#hardbacon

[boringkate]

Car ownership is still so bonkers to me.

"A study by personal finance service Hardbacon estimates the current average cost of owning a car in Montreal at $1,310 per month. Hardbacon's compilation includes purchase price, maintenance, gas, parking and insurance."

It costs like exactly $1,310 CAD a month for me to be alive in Montreal. Like that covers my rent and food and internet and drugs and transit and everything. Like EXACTLY exactly!!!

You could own a trans girl for the cost of a car! Wouldn't you rather own a trans girl? You hate public transit that much? Are you trainphobic or transphobic???

[affiliate-idea]

2024年8月のコアアップデートに関するGoogleのダニー・サリバン氏へのインタビュー - SEO Japan｜アイオイクスのSEO・CV改善・Webサイト集客情報ブログ

"Googleの検索アルゴリズムが原因で破産に追い込まれた「Hardbacon」というサイトのケースを取り上げ、Google検索からのトラフィックがほとんどないサイトが、どうやって11か月という長期にわたって、優れたコンテンツを作り続け、従業員の給与を支払い、事業を続けることができるのかと言及しました"

https://seojapan.com/column/interview-google-august-core-update/#:~:text=Google%E3%81%AE%E6%A4%9C%E7%B4%A2%E3%82%A2%E3%83%AB%E3%82%B4%E3%83%AA%E3%82%BA%E3%83%A0%E3%81%8C%E5%8E%9F%E5%9B%A0%E3%81%A7%E7%A0%B4%E7%94%A3%E3%81%AB%E8%BF%BD%E3%81%84%E8%BE%BC%E3%81%BE%E3%82%8C%E3%81%9F%E3%80%8CHardbacon%E3%80%8D%E3%81%A8%E3%81%84%E3%81%86%E3%82%B5%E3%82%A4%E3%83%88%E3%81%AE%E3%82%B1%E3%83%BC%E3%82%B9%E3%82%92%E5%8F%96%E3%82%8A%E4%B8%8A%E3%81%92%E3%80%81Google%E6%A4%9C%E7%B4%A2%E3%81%8B%E3%82%89%E3%81%AE%E3%83%88%E3%83%A9%E3%83%95%E3%82%A3%E3%83%83%E3%82%AF%E3%81%8C%E3%81%BB%E3%81%A8%E3%82%93%E3%81%A9%E3%81%AA%E3%81%84%E3%82%B5%E3%82%A4%E3%83%88%E3%81%8C%E3%80%81%E3%81%A9%E3%81%86%E3%82%84%E3%81%A3%E3%81%A611%E3%81%8B%E6%9C%88%E3%81%A8%E3%81%84%E3%81%86%E9%95%B7%E6%9C%9F%E3%81%AB%E3%82%8F%E3%81%9F%E3%81%A3%E3%81%A6%E3%80%81%E5%84%AA%E3%82%8C%E3%81%9F%E3%82%B3%E3%83%B3%E3%83%86%E3%83%B3%E3%83%84%E3%82%92%E4%BD%9C%E3%82%8A%E7%B6%9A%E3%81%91%E3%80%81%E5%BE%93%E6%A5%AD%E5%93%A1%E3%81%AE%E7%B5%A6%E4%B8%8E%E3%82%92%E6%94%AF%E6%89%95%E3%81%84%E3%80%81%E4%BA%8B%E6%A5%AD%E3%82%92%E7%B6%9A%E3%81%91%E3%82%8B%E3%81%93%E3%81%A8%E3%81%8C%E3%81%A7%E3%81%8D%E3%82%8B%E3%81%AE%E3%81%8B%E3%81%A8%E8%A8%80%E5%8F%8A%E3%81%97%E3%81%BE%E3%81%97%E3%81%9F

[nuadox]

CFA Montréal Fintech Series – Event recap (May 2018)

- By Phil Siarri , Nuadox - (Sponsored Content)

Fintech firms have made their marks with meaningful innovations as of late, disrupting the historically conservative financial services sector. Financial services professionals will most likely have to adapt their service offering to this new reality. This is was the general message communicated by the panelists of a conference organized on May 23 by CFA Montréal at Centre Mont Royal in downtown Montreal. The event, entitled “The Future of Advice”, was moderated by well-known cryptocurrency and blockchain advocate Elisabeth Préfontaine.

Image: Panelists at the CFA Montréal Fintech Series event in May 2018. Credit: Phil Siarri.

Bitcoin: Have you missed the boat?

Though bitcoin is having a rough patch lately, the virtual currency can still rely on convinced advocates. Among them, Jonathan Hamel, President and founder of the Académie Bitcoin, a consulting firm specializing in blockchain and bitcoin.

"About 90% of what we hear about bitcoin is noise. Bitcoin is a serious project. It is rather sad that some traditional players are trying to slow down its growth and that of fintech companies in general, " he added.

Jonathan disagrees with investors believing it is too late to invest in bitcoin. "We are still very early in the life of bitcoin. Its market position is still small compared to traditional asset classes. As a matter of fact, we can even say that its media coverage is disproportionate."

Hamel is convinced that bitcoin will continue to gain popularity, particularly because it offers investors many opportunities because of its volatility and because it has a very low correlation with other asset classes. Futures contracts with bitcoin as the underlying will also help boost its popularity, he believes.

"Adding cryptocurrencies to a portfolio also increases the Sharpe ratio," he precised. However it is necessary to know how to exchange them and when. In that regard, Hamel believes that the fundamental analysis techniques commonly used by financial analysts and portfolio managers are not very helpful.

"You have to see bitcoin in another way. Think of gold. It is the market that has given value to gold over many centuries. It's a similar situation with bitcoin. It is not really possible to determine its intrinsic value based on fundamental data”.

Let’s talk Open Banking 

Fintech companies like Wealthica (with which I have brand ambassador relationship) rely on open data and open banking to help manage the financial lives of their users. Through an online dashboard, Wealthica users have access to a consolidated portrait of their accounts and investments held in different financial institutions.

"The problem with the traditional model, in which information is not shared by financial institutions, is that advisors do not always have an overview of their clients' assets," said Simon. Boulet, CEO and founder of Wealthica.

According to Simon, the aggregation of financial data has many advantages for both advisors and investors. By having access to a complete picture of a client's assets, an advisor can, for example, easily compare the performance of the investments he manages against portfolios held in other financial institutions. And no need to ask the client for their account statements, all the information is available in the same place.

"Open banking really offers great opportunities for customers and financial institutions. The problem is that only a handful of them share their data with third parties, " he added.

To work around this problem, Wealthica, like other applications, use screen scraping, which consists of using software to browse the websites of financial institutions by imitating the actions of a real user. The data thus collected can then be consolidated. Unlike open banking, however, the customer has to share their access codes with the company, and since the data is unstructured, it is sometimes incorrect or incomplete.

Simon, therefore, wants more and more financial institutions to agree to share their customers' data with third-party applications. He would also like to clarify that the aggregation of financial data is authorized by financial regulators such as the Autorité des marchés financiers (AMF) in Quebec, with certain rules relating to security and confidentiality of data are respected.

Other considerations: DIY investors, education reforms

Another panelist was Julien Brault, CEO and co-founder of Hardbacon which I previously wrote about back in February. Hardbacon wants to democratize investing through its product offering: an app designed to help users monitor their investments as well as to obtain real-time analysis of their stock market portfolios, an online magazine, financial product comparator, online course and an encyclopedia.

Julien pointed out that “twenty percent of Canadians are self-directed investors to some degree”. “Younger population groups are more and more attracted by DIY investment (do-it-yourself) apps such as Hardbacon but also Mylo and Wealthbar. They want the freedom to invest in what speaks most to them” he added. Julien is convinced this is definitely a factor to consider for traditional players.

The fourth panelist at the event was Barton Wallace, Investment Officer at CN Investment Division. Barton gave a lecture on artificial intelligence and machine learning, explaining that despite the perceived hype, such are important components of modern investment strategies.

Wallace and Hamel both spoke on the necessity for governments to work on education reforms at the high school, college and university level so that future leaders are better equipped for the financial world of tomorrow, which will heavily rely on technology.

Overall it was a pleasant event, it was both educative and entertaining.

Wealthica has financially contributed towards this post. We are including this notice in an effort to remain transparent towards our readership.

The information provided does not constitute investment advice, financial advice, trading advice or any other sort of advice.

Read Also

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Fintech startup Hardbacon launches iOS app

Interview with Simon Boulet of financial aggregation platform Wealthica

[mysymmetry]

2010 Heck, I was still in highschool. Walking home down Longwood, that stretch between the industrial buildings that dragged, then the turn onto Aberdeen where time slipped away, and everything went faster. Hearing the guitar build in the Arkells “I’m Not The Sun” but not understanding the lyrics, not really.

2011 Graduating highschool, and the silly drama that ensued with Darcy Schwenger and his stoner friends. I was so jealous of S’s new girlfriend in her blue one-shouldered dress at prom. 

2012 First year. Living in the cinder-block cave of residence, my room entirely plastered in magazine cutouts. Visiting the on-campus Emergency department several times for concussions, a ruptured cyst, debilitating anxiety. Not realising that there was a different experience to be had, in life, without anxiety. 

2013 Second year. Starting as an SLG leader. The library. The crush of Bio-Med: Molecular and Cellular Biology. Molecular Biology and Genetics. Biochem I. Biochem II. Dropping Stats with a 33% and taking it again the next semester, finishing with a 97%.  That summer, I drove to Alberta in the red hatchback alone, days after Eric broke up with me. 

2014 A lift, maybe. And a lot more drinking. Sitting in the back of War Memorial Hall every morning for Human Physiology, often hungover on Friday mornings. I put cream in my coffee because that’s how my mother took it. Because I never saw a woman drink it black. I can still smell  the funk of cream rotting as I unsuctioned the lids from my forgotten reusable cups.

2015 Anatomy. Epic was sound again and I often wore breeches into the dissection lab, coming straight to campus from the barn. This was the semester that Sofian and K were interested in me. I spent the summer in New York City. Long pause. In the fall, Casey Ford was my professor. 

2016 I moved to Montreal very quickly, without a job, in the dead of winter. Kat helped me move all of my boxes in and then we went for Pho. I loved that tiny studio apartment. I expanded into so many languages and roles and drugs and ways of being in the world, so many friendships. I volunteered at Moksha and worked at Hardbacon and Rachelle-Bery and Startl.Us and SendItToSarah and later, Cafe Noble. I saw someone jump in front of the subway train, and I lost my friendship with Greg. 

2017 I achieved some dream of being a barista at a reputable cafe but very quickly decided to leave it, and everything I’d tried to prove myself as in Montreal. It felt right. I moved to PEC and into this paradise life of wine and pizza and parties and friendship and abundance. I trusted people. I trusted myself. I walked back into my privilege, for better or for worse. By the end of the year, I went to New Zealand without looking back.

2018 Bron had her accident. I left my trip to New Zealand and went to Germany without an idea of how long I would be there - a week? I didn’t leave for 4 months. I came back to Canada to work for 2 months, then went back to Germany. Finally, in November, I broke and said I couldn’t do it any longer and came home to rebuild. 

2019 I rebuilt. I got a job and started saving money and fumbled for places to live every 4 months. I restarted with a sense of duty and responsibility: to no longer be a liability. I sensed that there was no room in my family for me to fail, or die frivolously. I started therapy. I did The Artists’s Way. I met Zak. 

2020 I lived through the COVID-19 Pandemic. I will be able to say this. I got an apartment with Zak. I did YTT. My life felt immensely more sensible and constructed. I had a savings, I paid for insurance and utilities and my friends started purchasing 1200 dollar sofas and new cars. I felt a desire to settle down - to simply lay my bones in an apartment, to let things fall. To forget stuff. But I also felt a loyalty and a lift towards travelling - to carrying only what was necessary and joyful, to connecting intensely with near-strangers, to exploring and deciphering and experiencing newness firsthand. And especially after reading all of this, and seeing just how completely my life was going somewhere when I was in New Zealand, remembering that openness, I know that I must go again. I must trust that I will not be punished for leaving my family behind. I must leap into the arms of the world and let it catch me.

Because, a decade.

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[ultimateentrepreneur]

7 Cheap SEO Strategies You Can Use To Rank First On Google

7 Cheap SEO Strategies You Can Use To Rank First On Google

by Arthur Dubois, SEO specialist at Hardbacon Every business aims to generate the highest revenue, which requires proper marketing, planning, and execution by considering the cost. Do you know SEO can drive customers to your business’ website looking for the product, service, or solution you offer? SEO is about optimizing your website for search results to maximize its visibility and drive…

[compulsion-dexpression]

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[nuadox]

Hardbacon secures funding to develop AI that predicts changes in the stock market

- By Phil Siarri , Nuadox -

And another quick update about Montreal, Canada-based fintech startup Hardbacon: the company announced today it has obtained conditional funding of $50,000 for an artificial intelligence research and development project to predict stock prices. The grant is part of the National Research Council of Canada's Industrial Research Assistance Program (NRC IRAP).

Hardbacon, a mobile budgeting and investment tracking app, is developing a stock rating system, which will leverage artificial intelligence to help investors select stocks. Ratings generated by artificial intelligence will appear in Hardbacon's mobile application, and will also be made available under license to financial institutions desiring to use such ratings or to offer them to their respective customers.

"Many Hardbacon users asked us to tell them what to invest in", stated Julien Brault, CEO of Hardbacon. Until now we had refused, until one of our employees presented us with a promising academic article that he had written about the possibility of using artificial intelligence to generate predictive ratings. We are grateful that the NRC IRAP has agreed to support this project."

Source: Hardbacon

Read Also

Fintech startup Hardbacon announces new funding round, roadmap

[mrbulltk]

Oпpoc: Пoчти З0% кaнaдцeв инвecтиpoвaли в кpиптoвaлюту

Oпpoc: Пoчти З0% кaнaдцeв инвecтиpoвaли в кpиптoвaлюту

Oпpoc: Пoчти З0% кaнaдцeв инвecтиpoвaли в кpиптoвaлюту Coглacнo иccлeдoвaнию cтapтaпa в oблacти финaнcoвыx тexнoлoгий Hardbacon, пoчти кaждый тpeтий кaнaдeц влoжил cpeдcтвa в цифpoвыe aктивы. Teм нe мeнee, бoльшинcтвo гpaждaн oбecпoкoeны cвoими инвecтициями в кpиптoвaлюту, пocкoльку тoлькo 5% из ниx cчитaют этo бeзoпacным инcтpумeнтoм. 28% pecпoндeнтoв oтвeтили, чтo ужe пpиoбpeли цифpoвыe…

[cryptosnewss]

Nearly 30% of Canadians Are Cryptocurrency Investors: Survey

Nearly 30% of Canadians Are Cryptocurrency Investors: Survey

Almost one in three Canadians has allocated funds to digital assets, according to a recent study. Still, most locals are worried about their investment in crypto, as only 5% find it a safe strategy. Cryptocurrencies and “meme stocks” in Canada Fintech startup – Hardbacon – conducted a survey of Canadian adults to estimate sentiment for cryptocurrency in the country. According to the results, 28%…

[onlinewebstoresite]

Hardbacon’s Crowdfunding Campaign Hits the $50,000 Mark The …

Hardbacon’s Crowdfunding Campaign Hits the $50,000 Mark The Montreal-based start-up has in truth got to 500 % of its project target, in specific many thanks to a$14,000 payment from BMO SmartFolio. The crowdfunding project, which proceeds up until March 24, was introduced to money an on the internet training course regarding spending made for Millennials. …

[mikemortgage]

Desjardins partners with fintech to boost online brokerage capabilities

TORONTO — Desjardins Group has partnered with fintech Hardbacon to boost the capabilities of its online brokerage as the interest in do-it-yourself investing and lower-fee investment options continues to rise.

Desjardins Online Brokerage, a division of Desjardins Securities also known as Disnat, allows self-directed investors to conduct trades and manage their stocks on their platform.

The partnership with Hardbacon gives the online brokerage’s clients access to stock and portfolio analysis tools on the fintech’s mobile app, as well as a six-hour online investment course, while new clients get 10 free trades within one year on Disnat.

Desjardins Group, the largest co-operative financial group in Canada, is the latest company to rollout enhanced options for self-directed trading at a lower cost.

On Wednesday, TD Bank Group announced a deal with fintech Hydrogen Technology Corp. to enhance its TD WebBroker platform for do-it-yourself investors and later launch a robo-adviser platform.

Desjardins Online Brokerage’s business development manager Louis D’Anjou said interest in self-directed investing is rapidly growing with trades on their platform up 25 per cent in 2018 compared to last year.

He added that the biggest growth for the platform was in the number of clients between the ages of 18 and 30, which is up 200 per cent compared to a year ago. The online brokerage has roughly 105,00 clients currently, he said.

One sector driving activity on the platform is the cannabis industry, which has seen a flurry of activity as Canada prepares to legalize marijuana for recreational use next month.

“It’s incredible — we have a lot of new clients because of that,” D’Anjou said in an interview.

Portfolio analysis software has been around for a few years, but have usually been targeted towards institutional investors, said Julien Brault, chief executive of Hardbacon. Their tools help to “empower regular investors,” he said.

Desjardins paid Hardbacon an undisclosed amount to offer the fintech’s services to their clients.

Companies in this story: (TSX:TD)

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[pat78701]

Former financial journalist says stock brokers are next for FinTech disruption

A Montreal-based former business journalist has raised $50,000 in crowdfunding, including $14,000 from BMO SmartFolio, to add an online course to his stock-investing mobile app launching this summer. Hardbacon, which is developing a mobile app that puts a virtual stock broker into your pocket, launched a crowdfunding campaign with a goal of $10,000 on Ulule.com earlier… from DIYS http://ift.tt/2mQYi57

[compulsion-dexpression]

Start up that help people with their money and finances