Financial Intelligence Mindset

For global businesses, exchange rate fluctuations can significantly impact profit margins, market shares, and balance sheets.
When attempting to mitigate this risk, many corporates fall back on placing intermittent FX trades, driven mainly by speculative bets with limited supporting policies or reporting.
Bondford help firms put in place a formal, adhered to FX policy and strategy for mitigating FX risk. These replace typically one-off, large FX trades with a hedging program that reduces volatility by averaging out a rate over time. With a hedging policy and program in place, management teams can focus on their core business, with confidence that FX volatility is being managed pro-actively and in line with their commercial objectives and goals.
Financial intelligence mindset is about understanding more about money and how to make more, manage it and maximise it in your business and personal life. It is about having the right attitude and beliefs about money.


By enhancing your financial intelligence, you are able to make decisions that are in the best interest of you and your business.

It enables you to understand more about money and ask the right questions to the right people to make the best decision and keep you on track for success
About the Host Royston A Cumberbatch
Coming from a humble background and going through depression in his early 20's means he knows what it feels like to have little or no money at times.
By investing in himself, he transformed his life and built a property portfolio with a net worth of £2 Million+. He as has also set up and owns several successful businesses.
It is now his mission to empower you to grow your business and become highly profitable, tax-efficient, and sustainable – building up reserves to withstand any recession.

About The PodcastFinancial intelligence mindset is about understanding more about money and how to make more, manage it and maximise it in your business and personal life. It is about having the right attitude and beliefs about money.


By enhancing your financial intelligence, you can make decisions in the best interest of you and your business.
It enables you to understand more about money and ask the right questions to the right people to make the best decision and keep you on track for success.

Free Resources:https://www.thebusinessgrowthmastermind.com/ebook_cashflowhttps://www.thebusinessgrowthmastermind.com/manage-assets
You can find out more about Royston Cumberbatch through social media profiles or by visiting my website www.racmacs.com.
Follow me on Social Media:
LinkedIn: https://www.linkedin.com/in/royston-andrew-cumberbatch-finance.Instagram: https://www.instagram.com/royston.cumberbatch/YouTube: https://www.youtube.com/feed/my_videosFacebook: https://www.facebook.com/RoyceCumJoin Facebook Community: https://www.facebook.com/1190826847779960/photos/10156549866807120/?av=558592119

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Phil has spent the last 15 years building and scaling Fintechs.

 Phil is passionate about improving the world's financial health. Initially working as a trader and investment manager, he led teams tasked with scaling retail platforms to mass market adoption in both the B2B and B2C space. 

As part of this effort, he interviewed over 10,000 people about their finances and where they were struggling and used this knowledge to develop tools to improve the UK's financial health. Phil is currently the Founder and CEO of Accru, a start-up aiming to make the high-yields available in crypto safe and accessible to everyone. 

Phil, the author of The Money Triangle, proceeds of which supports various financial education charities.

About the Host Royston A Cumberbatch
Coming from a humble background and going through depression in his early 20's means he knows what it feels like to have little or no money at times.
By investing in himself, he transformed his life and built a property portfolio with a net worth of £2 Million+. He as has also set up and owns several successful businesses.
It is now his mission to empower you to grow your business and become highly profitable, tax-efficient, and sustainable – building up reserves to withstand any recession.

About The PodcastFinancial intelligence mindset is about understanding more about money and how to make more, manage it and maximise it in your business and personal life. It is about having the right attitude and beliefs about money.


By enhancing your financial intelligence, you can make decisions in the best interest of you and your business.
It enables you to understand more about money and ask the right questions to the right people to make the best decision and keep you on track for success.

Free Resources:https://www.thebusinessgrowthmastermind.com/ebook_cashflowhttps://www.thebusinessgrowthmastermind.com/manage-assets
You can find out more about Royston Cumberbatch through social media profiles or by visiting my website www.racmacs.com.  
Follow me on Social Media:
LinkedIn:  https://www.linkedin.com/in/royston-andrew-cumberbatch-finance.Instagram: https://www.instagram.com/royston.cumberbatch/YouTube: https://www.youtube.com/feed/my_videosFacebook: https://www.facebook.com/RoyceCumJoin Facebook Community: https://www.facebook.com/1190826847779960/photos/10156549866807120/?av=558592119

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Ryan R. Sullivan shares his journey...
After a conversation with Gary Vee in 2019 and losing one of my first podcast guests to a tragic car accident in early 2020, I dropped everything to pursue podcasting. I created the all-in-one podcast launch platform - Podcast Principles.
With Podcast Principles, we make podcast launches simple for Coaches, Consultants, and Entrepreneurs.
I take driven professionals and help them build a stage to transform a vision into an effective show that generates content, makes an impact, and grows business. Our core values are honesty, transparency, and impact, and we're grateful to be able to work with folks from around the world to spread their message and share those values with others.
Email: [email protected] Podcastprinciples.com
About the Host Royston A Cumberbatch
Coming from a humble background and going through depression in his early 20’s means he knows what it feels like to have little or no money at times.
By investing in himself, he was able to transform his life and built a property portfolio with a net worth of £2 Million+. He as has also set up and owns several successful businesses.
It is now his mission to empower you to grow your business and become highly profitable, tax-efficient, and sustainable – building up reserves to withstand any recession.

About The PodcastFinancial intelligence mindset is about understanding more about money and how to make more, manage it and maximise it in your business and personal life. It is about having the right attitude and beliefs about money.


By enhancing your financial intelligence, you are able to make decisions that are in the best interest of you and your business.


It enables you to understand more about money and ask the right questions to the right people to make the best decision and keep you on track for success.

Free Resources:https://www.thebusinessgrowthmastermind.com/ebook_cashflowhttps://www.thebusinessgrowthmastermind.com/manage-assets
You can find out more about Royston Cumberbatch through social media profiles or by visiting my website www.racmacs.com.  
Follow me on Social Media:
LinkedIn:  https://www.linkedin.com/in/royston-andrew-cumberbatch-finance.Instagram: https://www.instagram.com/royston.cumberbatch/YouTube: https://www.youtube.com/feed/my_videosFacebook: https://www.facebook.com/RoyceCumJoin Facebook Community: https://www.facebook.com/1190826847779960/photos/10156549866807120/?av=558592119

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Anna Szymanowska, Founder of Fighter Shots, Share Her Business Start-up & Entrepreneurial Journey.  
Anna holds an MBA from London Business School (LBS) and MSc in Industrial Engineering and Renewable Energy.
Her work at Airbus, Microsoft and as a management consultant fostered strong product development and sales skills. 
After seeing her colleagues drink ginger shots in Switzerland, Anna decided to create her recipes. She is excited by the evolving relevance of health products and how her products can positively and sustainably impact people’s lives.
Fighter Shots is an all-natural, cold-pressed potent ginger shot brand, with performance shots designed to give consumers the boost they’re craving. There are five SKU’S, including UK’s first manuka honey shots and a vegan shot. 
As winners of a 2020 Great Taste award, Fighter Shots deliver a delicious range of products to boost immunity, reduce fatigue, and promote skin and joint health.
If you found this podcast informative, please like, share, comment or subscribe/ follow my channel. 

Free Resources:https://www.thebusinessgrowthmastermind.com/ebook_cashflowhttps://www.thebusinessgrowthmastermind.com/manage-assets
You can find out more about Royston Cumberbatch through social media profiles or by visiting my website www.racmacs.com.  
Follow me on Social Media:
LinkedIn:  https://www.linkedin.com/in/royston-andrew-cumberbatch-finance.Instagram: https://www.instagram.com/royston.cumberbatch/YouTube: https://www.youtube.com/feed/my_videosFacebook: https://www.facebook.com/RoyceCumJoin Facebook Community: https://www.facebook.com/1190826847779960/photos/10156549866807120/?av=558592119

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Simon is an entrepreneur and founder of the beverage company Clijé. Born and raised in London, he has inherited a spirit and vibrancy from growing up in such a dynamic city. 
A leader with several accolades in different fields, these flavours are showcased in a style of branding that expresses a deeper meaning and connection that uplifts and cultivates. 
Having founded businesses and gained experiences in a range of industries such as art, entertainment and hospitality - a creative and 'love for the niche' mindset is the cornerstone for these brands that feel tailored, unique and intriguing. 
Clijé is an award-winning start-up company with a culture and vision springboarded from the founder, with values and the attraction to reshape positions in the drinks industry.

if you found this podcast informative, please like, share comment or subscribe/ follow my channel. 

Free Resources:
https://www.thebusinessgrowthmastermind.com/ebook_cashflow
https://www.thebusinessgrowthmastermind.com/manage-assets

You can find out more about Royston Cumberbatch through social media profiles or by visiting my website www.racmacs.com.  
Follow me on Social Media:

LinkedIn:  https://www.linkedin.com/in/royston-andrew-cumberbatch-finance.Instagram: https://www.instagram.com/royston.cumberbatch/YouTube: https://www.youtube.com/feed/my_videosFacebook: https://www.facebook.com/RoyceCumJoin Facebook Community: https://www.facebook.com/1190826847779960/photos/10156549866807120/?av=558592119

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Alex, the author of an Amazon Number 1 Bestseller ‘The Business Path to Wealth Creation’, is a prize-winning chartered accountant with experience in financial markets and investment banking from the world’s top financial and advisory institutions including Deloitte, RBS and JPMorgan Chase.
Alex has been involved in property development programmes across different types since2008, building and managing a multi-million dollar portfolio that includes standard buy-to-lets,student accommodation and other houses in multiple occupancy (HMOs).
He specialises in raising finance, providing potential investors, investors andjoint venture partners with ad hoc (to their specific requirements), hands-freeand hassle-free property investments solutions as well as coaching and mentoring. 
Alex aspires to share business and financial knowledge with upcoming entrepreneurs andexperienced business minds to learn and master the concepts and mindsetsrequired to succeed, stand out, have the edge and make a difference.
He’s the host of The Business, Wealth and Mindset podcast, capturing inspiration wisdom from guests from all walks of life including the likes of Jane Bayler, Dr John DeMartini, Rob Moore, Gerald Ratner, Michelle Seiler Tucker, Holly Morphew
Alex is a lifelong student of human behaviour (why we do what we do, behave how we behave) from The University of Life
Royston Cumberbatch (Host) - Training Programs, Free resources, and contact details:
Group Coaching Program
https://www.thebusinessgrowthmastermind.com/register
Get Free eBook – How to Double, Triple, Or 10X Your Cashflowhttps://www.thebusinessgrowthmastermind.com/ebook_cashflow

Follow the host on Social Media:
LinkedIn: https://www.linkedin.com/in/royston-andrew-cumberbatch-finance.
Instagram: https://www.instagram.com/royston.cumberbatch/
YouTube: https://www.youtube.com/feed/my_videos
Facebook: https://www.facebook.com/RoyceCum
Join Facebook Community: https://www.facebook.com/1190826847779960/photos/10156549866807120/?av=558592119

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Remisha Jones is a Certified Financial Social Worker, Clinical Social Worker-LCSW-A, and entrepreneur and has been providing financial workshops called “Money Matter$ with Remisha Jones.  Remisha is a native of Roberta, GA and an alumna of Clark Atlanta University with a B.A. in Political Science.  She obtained two master’s degrees from North Carolina Central University with MS in Criminal Justice and an MSW in Social Work in 2019.  She has worked in the Social Work field for over 15 years serving children and families and is the Hustle Hard Radio show through WDRB media out of Charlotte, NC.  Remisha is also the owner of Positive Thoughts, LLC for over 12 years and focuses on mental health, business, and financial consulting.  Additionally, she provides financial consulting to families, organizations, businesses, and individuals over six years and provides valuable financial content and resources to help African Americans, minorities, and oppressed communities make healthier financial decisions.  Her educational background and professional experience allow me to incorporate both worlds of mental health and finances and serve those in need to develop a budget, eliminate debt, plan for large purchases, and make better financial decisions.  Her motto in life has been that you can do absolutely anything and accomplish any goal if one has Positive Thoughts.   As an expert in finance, business and investing, I help business owners and investors improve their credit rating and access funds to grow their business. Please send me a message or email me at [email protected] to see how I can help  FREE Resources   Online Business Growth Masterclass  https://www.thebusinessgrowthmastermind.com/ebook_cashflow   Download Money Management Ebook https://www.thebusinessgrowthmastermind.com/manage-assets  You can find out more about me through social media profiles or visiting my website www.racmacs.com. Follow me on Social Media:LinkedIn: https://www.linkedin.com/in/royston-andrew-cumberbatch-finance.Instagram: https://www.instagram.com/royston.cumberbatch/YouTube: https://www.youtube.com/feed/my_videosFacebook: https://www.facebook.com/RoyceCumJoin Facebook Community: https://www.facebook.com/1190826847779960/photos/10156549866807120/?av=558592119

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A good or excellent credit score or credit rating is crucial for small businesses and investors looking to leverage other people's money (OPM Strategy).  If you have tried to access some credit services such as loans or some services or products on credit, you may be familiar with the term credit rating. In case you are not familiar with it, credit rating refers to evaluating a borrower's credit risk. It assesses the ability or likelihood of a borrower (or potential or prospective debtor) to pay back money borrowed.   Your credit score also dictates how you handled your personal or business financial affairs in the past and is used by suppliers/creditors and other companies to validate your creditworthiness.   Many people have a problem differentiating between credit rating and credit score. A credit report or credit file is obtained from credit rating bureaus or agencies and analyses a borrower's history, financial commitments, repayment behavior, and so on. It usually has a credit score that reflects the borrower's source of income and repayment history. Lending institutions can then use the credit report as a credit rating tool and assess the default risk vs the borrower's ability to pay the loan. If the risk is too high, the borrower will likely default or does not have an existing or prospective income source to pay back. The institution is likely to decline or offer the credit at a very high-interest rate to compensate for the risk. Credit scores mainly apply to individuals. Financial services companies usually have a credit rating from of the credit rating agencies such as Standards and Poor's (S&P), Fitch Ratings, or Moody'; these agencies provide a rating system to help investors determine the risk associated with investing in a specific company, investing instrument or market. Ratings get assigned to short-term and long-term debt obligations issued by a government or a corporation, including banks and insurance companies, among others. Each agency has a different measure varying from AAA/Aaa for low-risk investments to CCC/Caa to C/D for high risk to junk/in default investments.     In a nutshell, credit rating refers to a borrower's creditworthiness or the riskiness of an investment/debt provider. The borrower or debt provider may be an individual, a corporate body, a non-governmental organization, or a government (a state).  A good to excellent rating also helps you get cheaper and affordable credit, saving you a lot in interest expense.  Besides, it also makes a good impression on potential investors, clients, or customers, creating room for more business deals and expansion.  It is, therefore, time to pay greater attention to your credit rating or credit score. It can make a lot of difference not only to your finances but also to your business profits and overall wealth.   The benefits of maintaining a good to excellent credit score  ·       When you manage your repayments on time, this creates an overall positive impact on your credit file, especially when loans and credit card payments are always on time and you maintain a maximum 25% credit utilization ratio.  ·  Investors use the credit reports issued by credit rating agencies to decide if your business is creditworthy.  · The reports help them to avoid risky investments by avoiding companies with poor ratings. · You are likely to get better interest rates from lenders if you maintain a good to excellent rating; it will also be easier to access bigger loans or pay back the loan as you will lower interest rates and save on repayment costs.  ·  An excellent credit rating gives you more bargaining power - this is helpful when you take in new investors into your business and need a new loan. For example - You can get better insurance deals when you have an excellent rating.   The impact or drawbacks of a Poor Credit Rating  · A lousy credit rating can mean a lack of access to much-needed funds to scale your business, and thus inability to sustain a business in the long run · A bad credit score is a negative reflection on the company or borrower. It means that anybody who views your report will consider you "unreliable or untrustworthy2 or not creditworthy. · You may lose potential clients or major business deals if they realize that you have a poor credit rating and, therefore, a business risk. · Poor Personal credit ratings may spill over to your personal life since you may not be able to access credit facilities when in need.   As an expert in finance, business, and investing, I help business owners and investors improve their credit rating and access funds to grow their business. Please send me a message or email me at [email protected] to see how I can help  FREE Resources   Online Business Growth Masterclass  https://www.thebusinessgrowthmastermind.com/ebook_cashflow   Download Money Management Ebook https://www.thebusinessgrowthmastermind.com/manage-assets  You can find out more about me through social media profiles or by visiting my website www.racmacs.com. Follow me on Social Media:LinkedIn: https://www.linkedin.com/in/royston-andrew-cumberbatch-finance.Instagram: https://www.instagram.com/royston.cumberbatch/YouTube: https://www.youtube.com/feed/my_videosFacebook: https://www.facebook.com/RoyceCumJoin Facebook Community: https://www.facebook.com/1190826847779960/photos/10156549866807120/?av=558592119

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You can start a side hustle (7 pm to 1 am) while holding down a 9 to 5 job!
Gaurang Patel is an Electronics Engineer by training, originally from India and now living in Canada with a dream of becoming a millionaire.
I interviewed him on the Financial Intelligence Mindset podcast, where he talked about his journey, including working 15 hours a week in low-paid jobs to clear down his debts.
Although Gaurang is well established in the field of IT, in his words, "sooner, I realize that it's not possible to become a millionaire by just doing a job he opted to do business - starting as a side hustle", although he was not sure which one…. I did challenge him as a few people make significant money working as employees or intrapreneurs.
He said that while trying to figure out which business to start, one of his friends gave him the idea of creating a financial services business.
Gaurang now provides financial services to clients, like insurance, investment, and mortgage products, and educates them on protecting themselves while growing their money.
About Royston Cumbertancy and some free gifts for you:
Get a Free Copy of my Ebook to Double, Triple, or 10X Your Cash Flow
https://www.thebusinessgrowthmastermind.com/ebook_cashflow
Watch Free 30 minutes Business Growth Masterclass:
https://www.thebusinessgrowthmastermind.com/auto-webinar-registration
You can find out more about me through social media profiles or by visiting my website www.racmacs.com. Follow me on Social Media:LinkedIn: https://www.linkedin.com/in/royston-andrew-cumberbatch-finance.Instagram: https://www.instagram.com/royston.cumberbatch/YouTube: https://www.youtube.com/feed/my_videosFacebook: https://www.facebook.com/RoyceCumJoin Facebook Community: https://www.facebook.com/1190826847779960/photos/10156549866807120/?av=558592119

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