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Back again with another Under Three Minutes, and this time we sit down with Vlad Hachinski, VP of Partnership Success, and discuss the increasing focus for financial institutions to forge partnerships outside the firm.


NexJ Nudge - AI Suite: Intelligent Investment Recommendations
What makes NexJ’s Intelligent Investment Recommendations assistant the smart choice? Learn how you can automate compliance, mitigate risk, and optimize portfolio construction with a peek at our Deep Learning-powered digital assistant.

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The Sourceful Life - Three Minute Training - Power!

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As a Man Thinketh: The Power of Positive Thinking in 3 Minutes
Tony Robbins is one of those self-help gurus, but unlike most of them he seems to actually care. One of his favorite books is called As a Man Thinketh, which I picked up recently. Its short but certainly sweet. Check out its main principles in this episode brought to you by Thought Monkey! Subscribe: Instagram:

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How To Make The Best Partnership Agreement In today's video we are going to discuss partnership agreements and how to put together the right partnership agreement for your small business. 0:25 Purpose of Partnership Agreement 0:39 Dispute Resolution Explained 0:55 Business Structure Explained 1:10 Involving a Lawyer in Business Agreement 1:42 Agreement Elements 1:44 Company Name and Purpose Explained 1:56 Responsibility Explained 2:19 Workload Sharing Explained 2:44 Partner Contribution Explained 2:59 Compensation Explained 3:26 Ownership Splits Explained 3:46 Partner Authority Explained 4:22 Partner Death or Disability Explained 4:48 Partner Exit Explained 5:01 Partner Disputes Explained

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Matthew McConaughey | 5 Minutes for the NEXT 50 Years of Your LIFE
"98% of people don't understand this" Matthew McConaughey's Incredible Motivational Speech. #videoadvice#matthewmcconaughey ===================================================== ►MOTIVATIONAL CLOTHES Be a Dreamer ===================================================== Motivational speech by Matthew McConaughey. ===================================================== Music by Dominik A. Hecker ===================================================== Footage credits: Ryan Scott - Fishtown Soldier

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3 minutes of power - on
UPDATE: The Russians do it better! See here: /watch?v=_j2jESz7Zl8 One of the more spectacular startups of a steelmaking electric arc furnace. This video is a few years old, so practices and equipment seen here - even the whole furnace - have changed. Draws about 50-60MW of active power (65MVA for the electricians) - almost the same amount of power as a 747 needs while cruising. Recorded with a good microphone, so turn up the volume!

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What do you do if you have a BAD partner?
What you should do in a BAD partnership. Important factors on the risks involved - how do you protect yourself?

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William Ackman: Everything You Need to Know About Finance and Investing in Under an Hour | Big Think
Everything You Need to Know About Finance and Investing in Under an Hour Watch the newest video from Big Think: Join Big Think Edge for exclusive videos: ---------------------------------------------------------------------------------- Bill Ackman is one of the top investors in the world, and he's said that he's aiming to have "one of the greatest investment track records of all time." As the CEO of Pershing Square Capital Management, the hedge fund he founded, he oversees $19 billion in assets. But before he became one of the elite, he learned the basics of investing in his early 20s. This Big Think video is aimed at young professionals just starting out, as well as those who are more experienced but lack a financial background. Ackman takes viewers through the founding of a lemonade stand to teach the basics, explaining how investors pay for equity, a word interchangeable with "stock." In the example, the owner starts with $750, with $250 of that coming from a loan. ---------------------------------------------------------------------------------- WILLIAM ACKMAN: William Ackman is founder and CEO of Pershing Square Capital Management. Formed in 2003, the hedge-fund has acquired significant shares in companies such as JC Penney, General Growth Properties, Fortune Bands and Kraft Foods. Ackman advocates strategies of "activist investing," the practice of using stock shares in publicly-traded companies to influence management practices in a way that benefits shareholder interests. ---------------------------------------------------------------------------------- TRANSCRIPT: Hi, I'm Bill Ackman. I'm the CEO of Pershing Square Capital Management and I'm here today to talk to you about everything you need to know about finance and investing and I'm going to get it done in an hour and you’ll be ready to go. How to Start and Grow a Business So let’s begin. We’re going to go into business together. We’re going to start a company and we’re going to start a lemonade stand and now I don’t have any money today, so I'm going to have to raise money from investors to launch the business. So how am I going to do that? Well I'm going to form a corporation. That is a little filing that you make with the State and you come up with a name for a business. We’ll call it Bill’s Lemonade Stand and we’re going to raise money from outside investors. We need a little money to get started, so we’re going to start our business with 1,000 shares of stock. We just made up that number and we’re going to sell 500 shares more for a $1 each to an investor. The investor is going to put up $500. We’re going to put up the name and the idea. We’re going to have 1,000 shares. He is going to have 500 shares. He is going to own a third of the business for his $500. So what is our business worth at the start? Well it’s worth $1,500. We have $500 in the bank plus $1,000 because I came up with the idea for the company. Now I'm going to need a little more than $500, so what am I going to do? I'm going to borrow some money. I'm going to borrow from a friend and he’s going to lend me $250 and we’re going to pay him 10% interest a year for that loan. Now why do we borrow money instead of just selling more stock? Well by borrowing money we keep more of the stock for ourselves, so if the business is successful we’re going to end up with a bigger percentage of the profits. So now we’re going to take a look at what the business looks like on a piece of paper. We’re going to look at something called a balance sheet and a balance sheet tells you where the company stands, what your assets are, what your liabilities are and what your net worth or shareholder equity is. If you take your assets, in this case we’ve raised $500. We also have what is called goodwill because we’ve said the business—in exchange for the $500 the person who put up the money only got a third of the business. The other two-thirds is owned by us for starting the company. That is $1,000 of goodwill for the business. We borrowed $250. We’re going to owe $250. That is a liability. So we have $500 in cash from selling stock, $250 from raising debt and we owe a $250 loan and we have a corporation that has, and you’ll see on the chart, shareholders’ equity of $1,500, so that’s our starting point. Now let’s keep moving. What do we need to do to start our company? We need a lemonade stand. That’s going to cost us about $300. That is called a fixed asset. Unlike lemon or sugar or water this is something like a building that you buy and you build it. It wears out over time, but it’s a fixed asset. And then you need some inventory. What do you need to make lemonade? You need sugar. You need water. You need lemons... Read the full transcript at

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Growth through strategic partnerships
Mark Addy of Business Link describes to David Bull how effective strategic partnerships can enable businesses to achieve growth.

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CFO Secrets of Success
Four of Silicon Valley's top CFOs — from LinkedIn. Tesla, Applied Materials and YouSendIt — talked about their success, their companies and business topics at a breakfast panel hosted by the Silicon Valley/San Jose Business Journal on May 31, 2012.

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How to know your life purpose in 5 minutes | Adam Leipzig | TEDxMalibu
Never miss a talk! SUBSCRIBE to the TEDx channel: Adam Leipzig has overseen more than 25 movies as a producer, executive and distributor. and has produced more than 300 stage plays and live events, and he was one of the founders of the Los Angeles Theatre Center. In the spirit of ideas worth spreading, TEDx is a program of local, self-organized events that bring people together to share a TED-like experience. At a TEDx event, TEDTalks video and live speakers combine to spark deep discussion and connection in a small group. These local, self-organized events are branded TEDx, where x = independently organized TED event. The TED Conference provides general guidance for the TEDx program, but individual TEDx events are self-organized.* (*Subject to certain rules and regulations)

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Self - Awareness, Influence, and Partnerships | Anton Rabie | [email protected]
Anton walks us through the formation of Spin Master Ltd., from its humble beginnings in a friend's living room to its current form as a corporate global leader. Anton Rabie serves as Chairman and Co-CEO of Spin Master Ltd. His inspirational leadership, insight and strategic vision have been essential in taking Spin Master from a small start up and transforming it into the success it is today. Anton has been instrumental in nurturing and developing Spin Master’s European presence and as a past member of the Supplier Council of the world’s top retailers, he has worked directly with over 10,000 retailers to build Spin Master’s North American and International sales network as it exists today. This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at

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Corp 101: The Basics of Corporate Structure Corporations 101: The Basics of Corporate Structure. Check back soon for more on the inner workings of corporations.

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What is a Partnership?
Form your company for just $0 and state filing fees! »»» Going into business can be a real challenge, especially when there's more than one owner. In this article I'll explore partnerships—what they are, how to form one, and their advantages and disadvantages. Partnership defined A partnership is a business structure owned by two or more persons who agree to carry on business together for a profit but decide not incorporate or form a limited liability company. There are three types of partnerships: general, limited, and limited liability partnerships. In a general partnership, profits, losses, and managerial responsibilities are shared equally among the partners. Each partner has unlimited personal liability, which means that any or all of each partners' personal assets can be taken in a lawsuit or to settle a debt. A limited partnership is not a partnership in the typical sense. Rather, it is better viewed as an investment financing arrangement. In a limited partnership, there are two classes of partners: the general partner who has unlimited liability and the limited partner whose personal liability is limited to their investment in the business. The general partner manages the business while the limited partner remains silent on the sidelines. The general partner has full legal and financial responsibility for the business while the limited partner remains uninvolved in the management of the business. They typically have no personal liability beyond their investment in the business. Limited partnerships are commonly used for short-term projects, such as filmmaking, or for real estate investments. A limited liability partnership is only available to certain professions, licensed by the state, such as accountants, attorneys, doctors, and engineers. The personal assets of the partners in a limited liability partnership cannot generally be used to satisfy business debts and liabilities. However, the limited liability partnership does not protect the partners for their own negligence or malpractice. In this video, I want to focus our attention on the most common type of partnership, the general partnership. How to form a general partnership Like a sole proprietorship, a general partnership is relatively easy to set up and maintain, as no paperwork is usually required to create it. Once you and at least one other person get together and sell a product or service for money, a general partnership has begun. Partnership status confers solely and automatically from the business activities of you and your partner. And partnership law automatically applies to your business and to you as partner. Each partner contributes to all aspects of the business, including money, property, labor and talent. In return each partner shares in the profits and losses of the business. As with most things, it is usually a good idea to have things in writing, so you should invest the time needed to draft a written partnership agreement. If you don't, the partnership laws of your state will govern how your partnership will operate. Your partnership agreement should include: how the business will be financed; who will do what work; what happens if a partner dies or becomes disabled; and what happens if a partner wants to leave. Partnerships and the IRS The IRS considers a general partnership a "pass-through" entity, which means that, like a sole proprietorship, profits and losses flow through to the partners' individual income tax returns. All the partners will share in the profits and losses of the business as well as be jointly and severally liable for all of its debts, liabilities, and obligations. Each general partner has equal responsibility and authority to run the business and to bind it. What this means is that any one partner can commit the partnership by entering into an agreement on behalf of the partnership. And all the remaining partners will be personally liable, regardless of whether they authorized the agreement or even knew of its existence. Because each partner has unlimited personal liability, a general partnership is the most dangerous type of entity to form. Not only can you be held liable for any agreement your partner enters into, you can also be held liable for any partner's negligence. In addition, each partner is personally liable for all of the partnership's obligations. For example, if you are one of ten partners, you are not responsible for just ten percent of the partnership's obligations. You are responsible for 100 percent. If the other partners are unable to pay their respective shares, you'll be responsible for the entire amount. The shared ownership attribute that characterizes a partnership has distinct advantages and disadvantages. Advantages of a partnership—easy and inexpensive to form, easier to raise capital, more resources Disadvantages of a partnership—unlimited personal liability, loss of independence, limited life

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How the Three Financial Statements Fit Together
Brought to you by StratPad: Simple Business Plan App. Try it free at This video completes our course on financial statements by showing you how the income statement, balance sheet and statement of cash flows are connected. We'll take you through two months in the life of a company as it's recorded in the financial statements. If you've watched all the videos in the series, you'll recognize all the terms and realize how far you've come in your understanding of financial statements. Video Transcript Nicely done! You've made it to the last video. And, by the way, don't be put off by the busy-ness of this screen. You know all this stuff here: income statement, statement of cash flows, the balance sheet. What I'm going to do now is a very fast rattle through of all three of these, just to cover off all the work that you already know. Alright are you ready? Let's get going. Oh one thing -- by the way -- you'll see negative numbers don't have a dash in front of them; they're represented with brackets around them. Ok, ready go. This is for January for Acme Web Design. The income statement starts off with sales of $5,000 and a corresponding costs of goods sold of $1,000. We know to subtract the $1,000 from the $5,000 to get to $4,000. Then we have a bunch of expenses: general and and administrative $6,000 -- that's your rent, telecommunications costs, administrative costs, that type of thing; no research and development costs; we have sales and marketing -- there was salary in there and a small campaign. Add all those up to get to $9,000. Then subtract $9,000 from $4,000 to get to ($5,000). That's our fancily named subtotal: earnings before interest, taxes, depreciation and amortization or called EBITDA. We didn't have no interest -- we didn't pay anything to the bank — and therefore our net income is a ($5,000) loss. That means we didn't make any money here. That ($5,000) goes over to the top of the statement of cash flows. The $5,000 worth of sales wasn't paid to us. Half of it instead went to accounts receivable ($2,500). When that happens it decreases the amount of cash available, therefore a negative number. But you can also see that it increases the accounts receivable showing on the balance sheet $2,500. But then, we didn't pay some of the costs this month. That increased our accounts payable $1,000 and also increased the amount of cash that we have on hand. There's our accounts payable down here $1,000. So total cash from operations is ($6,500). We didn't buy any equipment, we didn't take out a loan, but the founder did put in $25,000 against common stock. Therefore, the total cash proceeds coming into the company this month is $18,500. That's the total of this ($6,500) and this zero and this $25,000. Cash at the start of the period was zero. Therefore, cash at the end of the period was $18,500 and this starts off our balance sheet right here. We know what the accounts receivable is $2,500, therefore total current assets is $21,000. No equipment. There's the accounts payable $1,000. Total current liabilities of $1,000. No long-term liabilities. Total overall liabilities of $1,000. There's the common stock $25,000 sliding in here. Retained earnings is, as you know, the total of all the profits and losses since the company began. If you look down, you see a total of liabilities and equity of $21,000 which balances with the total assets of $21,000. Our balance sheet balances -- whew. We're almost there. I just want to show you one more thing. Ok, so what I've done here is added in another month. We're going to go through the month of February and we're going to do it very quickly. Alright, sales of $7,000 is up from the previous month. Corresponding 20 per cent of cost of goods sold $1,400 leaves a total gross profit of $5,600. Expenses hasn't changed, still $9,000 worth of expenses. $5,600 of gross profit minus the $9,000 of expenses equals the EBITDA of ($3,400). So we're still losing money but not as badly, which is exactly what you want to see in a new company. We did pay the bank $100 worth of interest and I'll show you why in just a minute. ($3,400) minus $100 is equal to ($3,500) the loss for the month. And that starts off our statement of cash flows at the top ($3,500). Ok, here's a little trickiness. The $2,500 in accounts receivable last month got paid to us this month but we also then took half. This sales then went back into accounts receivable. The difference between the $2,500 from last month and the $3,500 from this month is $1,000. So accounts receivable went up by $1,000 as you can see here, which just reduces our cash. The rest of the video transcript can be found here:

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The Big Bang Theory: Science & Society Panel
Taken from "The Love Car Displacement", all the cast discuss science, society, penises and Bridget Jones. Sheldon's expressions are priceless

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Power siping a snow wheeling tire in three minutes
Siping a tire for snow wheeling with a hot knife make me exhausted before I finish one tire.The method shown in the video requires less muscle allowing to sipe more tires before I become exhausted. The width of the kerf is controlled by the thickness and number of blades installed. In this video, I use a single carbide blade set for 3/16 depth producing a 3/32 wide kerf.

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Capital structure explained
In stories about the auto companies and the banks, we've been hearing a lot about debt-to-equity swaps, and exchanging preferred shares for common stock. To get how those swaps work, you first need to understand a company's capital structure. Paddy Hirsch explains. #MarketplaceAPM #CreditSwaps #EconomicExplainers Subscribe to our channel!

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An example of how to calculate the value of my small busine demonstrates how you can calculate your business value with a simple easy to understand example which you can apply to your business

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General Partnership - Explained
What is a General Partnership?

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