rtb house is a technology company that delivers solutions for personalized display advertising .

it is headquartered in warsaw , poland and operates on over 40 markets .

rtb house develops in-house digital advertising technologies with real-time bidding ( rtb ) models : - a display advertising technique in the field of personalized retargeting , which delivers digital ads selected basing on users ’ online shopping history and preferences ; the firm cooperates with a number of ad space suppliers in order to build its reach .

among them are google doubleclick , yahoo! right media , appnexus and other networks .

rtb house

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rtb house has bolstered its asia - pacific presence by opening new offices in australia and new zealand .
rtb house – an international tech company developing its in - house tools for buying ads in real - time bidding ( rtb ) – is extending its sales management force in poland and romania . in march , the rtb team welcomed wojciech glowacki and catal
rtb house , a poland - based ad agency with its own real - time bidding ( rtb ) technology , has announced the appointments of three new regional directors .
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rtb house is the best choice retargeter when it comes to fast , effective campaign optimization , data transparency and increase in revenue . at defshop , we are very satisfied with the results and look forward to a friendly and successful international partnership with rtb house .
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“rtb house provided better performance and higher volume than mostly all other retargeting partners we have ever tested . and that was no small number ! ”
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scotland has abolished the rtb and wales is following suit - the final date for the abolition of the rtb in wales is 26 january 2019 .
rtb house specializes in precisely targeted display advertising , with solutions to profile , target , and reach the most valuable e - shoppers . its technology allows any
technologies . rtb house , a global tech company headquartered in warsaw , poland will extend its international operations to advertisers in australia , new zealand , indonesia and malaysia .
prior to rtb house , geruszczak was employed at apple for several years where he was responsible for sales processes in the german - speaking countries , italy and the uk .
and it was in this milestone year of polish entrepreneurial growth that warsaw - based rtb house , a tech company specializing in precisely targeted display advertising , arrived on the scene .
“with rtb house’s advanced retargeting technology and performance - based payment model , we can run more efficient and goal - oriented campaigns which help to improve our engagement with consumers . ”
rtb house delivered great results with their deep learning based algorithms . they have proven that they are one of the leading technology companies that create personalized , retargeting campaigns .
the house of commons library provides research , analysis and information services for mps and their staff .
a recognised leader in the field of rtb technology , mythings handles more than half a billion rtb requests every day , providing highly accurate bid predictions for every user and segment according to hundreds of data points including predicted revenue for advertiser . its extensive network of rtb providers spans leading rtb exchanges such as google doubleclick , appnexus , rubicon and admeld .
after expanding to asia , the european rtb house announced its latin american expansion last week , with its first local office in sao paulo , brazil , which will lead the regions’ operations .
we are extremely satisfied with the results delivered by rtb house . they are proactive , transparent and committed to their work with constant focus on fulfilling their client’s requirements and needs .
rtb house is one of our retargeters , as we utilize a multiple retargeting strategy . they help us to reach our objectives – to be a local best performing ecommerce platform .
users take hundreds of small steps when visiting advertiser’s website . the model developed by rtb house uses deep learning to identify every one of these footprints , in order to find patterns in decision - making . with a larger pool of relational data , rtb house’s new method can help businesses estimate the individual conversion rate ( cr ) , maximizing return on investment at the earliest possible moment .
that deliver best - in - class visibility and delight their customers . putting deep learning algorithms into play , rtb house takes ad personalization a step further and displays only ultra - targeted creatives .
russia , romania and czech republic have the highest number of ads clicked , according to an analysis of advertising campaigns conducted by rtb house . large ad formats received the highest click - through rates .
initially , four countries will be rtb house’s target : brazil , argentina , chile , and mexico . the leader of the latin american division will be wojciech glowacki , director of business development latam .
the general idea and results of rtb house deep learning approach were first time presented during an online advertising workshop , part of the 33rd international conference on machine learning ( icml 2016 ) in new york city .
headquartered in warsaw , poland , rtb house operates on 33 markets and for clients in europe , apac and latam is currently running nearly 650 advertising campaigns . for its clients it buys 3 . 5 bn views per month .
“the good results delivered by rtb house proved that we chose the right retargeter . the functionalities of the platform and their performance oriented approach helped us to reach our goals and to deliver high quality content to the users . ”
headquartered in poland , rtb house operates in 29 countries across asia , north africa and europe including austria , belgium , france , holland , germany , portugal , switzerland and italy . scandinavia is next on the agency’s hit list .
rtb house , a tech company specializing in display advertising precisely tailored to the users ' interests , will expand operations to the asia - pacific region . business activities in the region will be led by jakub ratajczak , managing director apac .
internet users from warsaw , kiev and budapest generate the majority of clicks that ended up with a purchase . however , the highest click rates were registered in london and madrid – shows an analysis conducted by rtb house in european cities .
“the knowledge and the experience that rtb house has put together , based on other emerging markets , can help brazilian players in the ecommerce sector to finally take advantage of the entire potential of their redirecting solutions” , said framil , in a statement .
by using a multiple - retargeting strategy , we doubled high quality retargeting traffic . this resulted in additional revenue . for us , rtb house is a valuable partner that keeps promises . we particularly value their flexibility and the exceptional customer service .
sherry fitzgerald is quoting a price of £800 , 000 - plus for an elegant victorian semi - detached house overlooking the sea at tobernea terrace in blackrock , co dublin . the three - storey end - of - terrace house is scheduled for auction on june 30th .
offering tenants who had lived in their home for up to three years a 33 % discount on the market value of their house .
“across the region ( central , eastern and southern europe ) , the company sales force already has dozens of people , and the new directors reflect our heightened support for these regions , ” stated maciek mikolajczak , rtb house’s business development director of central and eastern europe .
“adding machine learning into the mix effectively allows rtb networks to target the individual . this is a much more powerful tool . ”
to do this , rtm daily spoke with two executives from rtb house , an ad agency that houses its own real - time bidding technology : maciek mikolajczak , business development director of central and eastern europe ; and robert geruszczak , business development director of uk and ireland .
house , an international agency that develops tools for buying ads through real - time bidding , has announced its launch into the uk and ireland .
rtb house is one of few companies in the world that managed to develop and implement its own technology for purchasing advertisements in the rtb model ( real - time bidding ) – a solution in which buyers participate in real - time advertising space auctions . the company operates worldwide and currently runs 850 unique campaigns for global brands in almost 40 markets across europe , latin america , asia and pacific , middle east and africa . the rtb team is made up of over 150 people : performance marketing experts , analysts , sales and customer care specialists , programmers and others .
following its election in 2015 , the conservative government has announced proposals to extend the right to buy ( rtb ) to housing association tenants .
10 june 2014 , warsaw – rtb house , an international tech company specializing in retargeting , real - time bidding , and display advertising , is expanding to greece . maciek mikołajczak , business development director cee , is responsible for all business strategies , partnerships , and sales activities in this country .
also in rtb house’s favour was the country’s wealth of technical talent . poland is well blessed with engineers , with a job market brimming with big data specialists and programmers , who frequently take the highest positions in worldwide competitions such as topcoder and are talent spotted by the likes of microsoft and google .
rtb house is one of few companies in the world that managed to develop and implement its own technology for purchasing advertisements in the rtb model ( real - time bidding ) – a solution in which buyers participate in real - time advertising space auctions . the company operates worldwide and runs campaigns in 33 markets , including : the czech republic , france , germany , greece , holland , poland , russia , spain , sweden , and turkey . the rtb team is made up of over 100 people : performance marketing experts , analysts , sales and customer care specialists , programmers and others .
tristan thompson goes house hunting alone as he checks out $ 2m property in la with its own basketball court . . . just minutes from khloe ' s mansion
also , rodrigo framil , former general manager in the digital agency mythings , will lead the brazilian office as the business director of rtb brazil .
found that current rtb bidding mechanisms are based on segmentation , as opposed to the individual , while rules for determining bid amounts are often rudimentary .
rtb house specializes in retargeting and display advertising with the e - commerce sector , manufacturers , top advertising agencies , global affiliate networks and media houses on 31 markets . the company is currently running nearly 650 campaigns and has access to international ad networks including : doubleclick , yahoo’s right media , rubicon and pubmatic .
the data is reported in the rtb’s quarter 4 2017 rent index report which was published today . the report is produced in conjunction with the economic and social research institute and is based on the actual rents being paid in over 17 , 700 new tenancies registered with the rtb during the quarter .
tyler loechner is a mediapost reporter covering real - time , programmatic , rtb and more . you can reach tyler at tyler @ mediapost . com .
nevertheless , it is an astonishing story . rtb house founders used their own financial resources for the initial funding , 1 , 500 , 000 pln ( €350 000 ) , and recently reached break - even point . the company employs over 100 people and is on course to hit a 2014 turnover target of €5 million .
no implementation date for the extended rtb has been announced . tenants interested in being kept up to date on progress in developing the extended rtb can sign up here ( click on the link entitled ‘housing association tenants’ at the top right - hand of the page and complete a pop - up contact box ) .
greece is now the 31st european market where rtb house offers solutions based on personalized retargeting , a highly effective advertising technology that allows to re - engage customers by showing ads tailored to their individual shopping needs or web browsing history . the whole ad space is purchased in real time with rtb ( real - time bidding ) which means advertisers can purchase single ad views and display them to a high - potential buyer , precisely during the period when they are in the decision - making process .
blow e ( 2015 ) comparing the right to buy in england , scotland , wales and northern ireland briefing paper number 07174 , 12 june 2015 , house of commons library .
geruszczak : and the west is counterbalancing . we can observe significant growth of new ways to use rtb here . mobile and video are the main drivers of ad spend growth . what ' s more , video and mobile ads in the rtb model are used as a normal way to promote products and services . companies are not only keeping an eye on the potential of rtb , as it’s still how the east works , but they are looking for more advanced tools and new ways to advertise via net .
companies . “asia is not just an exotic - sounding , but also a very promising direction of expansion . polish tech companies like rtb house can compete successfully overseas because of low economic barriers to entry and modern standards of technological innovations . i’m happy to be a part of poland’s growing business presence abroad . there’s no reason to believe that we couldn’t become home to another
the statutory right to buy ( rtb ) was introduced in october 1980 . to date , just under 2 million council properties in england have been sold . as a general rule , assured tenants of housing associations ( aside from those who were previously secure council tenants with a ‘preserved’ rtb ) do not have the rtb on the same terms as council tenants . housing association homes built since 1989 have generally been financed with a mixture of public and private funding - this reliance on private investment has acted as a barrier to selling the properties at below market value .
since 2012 , properties built to replace those sold under the reinvigorated rtb have been let at affordable rent levels of up to 80 % of market rents ( i . e . they are
the main bedroom is on the second floor , with its clever walk - in dressing room and corner en suite bathroom with gorgeous sea views on two sides . the third bedroom is at the top of the house .
the rear garden is close on 100 ft and opens directly on to seapoint avenue through double gates . this area is ideal for off - street parking , although there is plenty of room to park in front of the house .
mikolajczak : that’s true in general , but in performance advertising , which we do in rtb technology , the differences are much smaller . this is because shops pay us only for results . we are looking toward roi optimization , and we ' ll be setting up cost per sale or per order goals . prices and margins for electronics and fashion products are not that different in western and eastern countries . so the money that shops are ready to spend is more or less similar . if the campaigns in rtb are more expensive in the west , this is because the display campaigns run in the rtb environment are more expensive .
the rtb q4 2017 rent index , for all new tenancies , shows nationally the annual growth rate of rent was 6 . 4 % , which has slowed from 8 . 0 % in the previous quarter .
robert geruszczak : western europe is easier to classify . from our perspective , it includes all countries west , southwest and north of poland . at the moment , rtb house is active in 17 western european markets , including france , italy , spain , portugal , benelux ( belgium , the netherlands , luxembourg ) , dach ( germany , austria , switzerland ) , sweden , denmark , finland , norway , island , great britain and ireland .
asia is not just an exotic - sounding , but also a very promising direction of expansion . polish tech companies like rtb house can compete successfully overseas because of low economic barriers to entry and modern standards of technological innovations . i ' m happy to be a part of poland ' s growing business presence abroad . there ' s no reason to believe that we couldn ' t become home to another skype . we should boldly use our resources and capabilities
in this week’s latam roundup : rtb house launches its latin american operations and the first local office , in sao paulo , brazil ; another acquisition for wpp group in brazil – and according to specialists , more acquisitions to come , in general , with the devaluation of the local currency compared to the us dollar and the euro ; and , finally , cadreon announces its viewability certification in brazil , claiming to be the first company in the country to achieve such standards .
rtmd : are there any glaring differences in the way western europe marketers use the rtb technology versus eastern europe marketers ? ( direct response v . branding ; mobile v . online ; video v . display ; etc . )
rtb house , a technology company specializing in retargeting scenarios , has come up with a brand new model that relies on deep learning ( currently the most promising subfield of ai - oriented research ) to craft digital features that recognize the attitude , intention and intent of internet users . it allows for accurate estimation of the conversion probability , which in turn makes personalized retargeting more efficient than before . the model can even be applied to users who haven’t clicked ads , a long - sought after feature of digital marketers .
complaints about the management of leasehold properties and service charges and difficulties reselling rtb flats , because lenders were reluctant to provide mortgages , led to government interventions in favour of rtb leaseholders . the housing act 1988 introduced compensation for tenants whose landlords were slow in carrying out duties and removed the cost floor for properties more than eight years old . the leasehold reform , housing and urban development act , 1993 dispensed with the right to a mortgage , deferred completion of purchase and shared ownership leases .
has found that machine learning algorithms used to enable more efficient ad bids over rtb ( real - time bidding ) networks will generate some $ 42 billion in annual ad spend by 2021 , up from an estimated $ 3 . 5 billion in 2016 .
in short , polish entrepreneurs had realized they could operate , market , and build their own tech company , rather than existing as a development house for richer countries . significant investment funding soon followed . in 2012 online healthcare booking platform docplanner secured a series a round of $ 1million .
while welcomed by housing association tenants who have long sought the rtb , the measure is controversial and has generated strong reactions from social landlords . local authorities are concerned that the measure will be paid for , in part , by the sale of their most valuable ( vacant ) stock . commentators have questioned whether sales of vacant council stock will generate sufficient funding to pay for an extended rtb . housing associations have questioned the legitimacy of legislating to force the sale of assets owned by charities / not - for - profit companies .
number 4 is owned by ray simmonds , a well - known specialist in antiques restoration who last year acquired woodbrook house near portarlington in co kildare . he intends to convert woodbrook into a luxury hotel and is currently carrying out major refurbishment to the 12 - bedroom mansion which stands on 100 acres .
facebook cofounder and ceo mark zuckerberg completed his second and final day of congressional testimony on wednesday , in a hearing before the house energy and commerce committee . lawmakers opened the hearing by noting its purpose was to examine “breaches of trust” by facebook and the broader relationship between tech companies and their read »
facebook founder and ceo mark zuckerberg faced tougher questions from lawmakers on wednesday in his second day of testimony on capitol hill . more than 50 congress members of the house energy and commerce committee interrogated zuckerberg on the social media company’s privacy settings , business model and its failure to stop the illegal sale of read »
the house is decorated in period style with a deep red dining room , rich yellow in the drawing room and expensive cream , highlighted with white , on the hall and landings . ready to move into , it has several hidden extras such as stereo wiring in each room and a central heating system that ensures instant heat
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the firm is one of only a few globally to have developed its own tools for buying inventory and displaying adverts using the rtb ( real time bidding ) model . this involves advertising buyers bidding on an impression , and if successful , the buyer’s ad is instantly displayed on the publisher’s site .
the conservative manifesto in 1979 had proposed the right to buy for council , new town and housing association tenants . housing associations had received government subsidy and consequently should be subject to the same regime as local authorities . although the house of commons approved these proposals the national federation of housing associations mobilised support in the house of lords ( including conservative peers associated with housing associations ) to safeguard the right of charitable organisations to hold their assets in perpetuity . amendments passed in the house of lords excluded tenants of charitable housing associations from the housing acts of 1980 . although no further proposals to extend the right to buy to housing association tenants emerged until 2015 , housing association tenants could take advantage of low cost home ownership measures and the right to acquire ( housing act 1996 ) that conferred a right on eligible housing association tenants to buy their home at a discount . over 3 , 000 dwellings were purchased under the right to acquire between 1998 - 99 and 2013 - 14 in england .
councillors have warned of a ‘property bonanza’ – and said many tenants claim the money was a gift from overseas , making it near impossible to trace . last summer , it emerged that a property company had leafleted 60 , 000 council house tenants offering six - figure rewards for working with them to buy and then sell their homes .
as for the competition , the team found little rtb advertising implementation when they launched the business , and no regional enterprise offering services based on this technology . the largest advertisers had already been approached by global players , however their products , while technically impressive , were not always suitable for local clients .
the immediate reaction of housing associations to reduced rents and rtb proposals was that , as independent social businesses , housing association boards should not be mandated to sell or to charge specific rents . lower rents and the rtb would negatively impact on the development capacity of most housing associations . almost £3 . 85bn would be lost in rental income over four years and , consequently , at least 27 , 000 new affordable homes would not be built . concern was also expressed about the potential cost and administrative burden of implementing higher rents for higher earners . government’s response to these concerns was bullish and critical of housing associations’ record . it restated its legislative intentions and the implications for the regulation and financing of housing associations were highlighted . against this background housing associations accepted a ministerial invitation to enter into a voluntary arrangement to adopt the right to buy . although the details were not clear ( and are critical ) the expectation was that discounts would be the same as under the existing rtb , attempts to exclude properties from the rtb would be unwelcome and housing associations would face similar pent up demand as local authorities had in 1979 - 81 . applications to buy would particularly be for better properties and from more affluent tenants . the greater the surge in sales the more difficult it would be to build replacement properties quickly . the generally accepted view was that the financial impact of extending the rtb would be neutral for housing associations – because government would reimburse the discount ( and finance this through receipts from the disposal of high value council dwellings ) .
mikolajczak : if by supply , you mean online ad space , then yes . there are no significant differences between online ad space between the two regions . rtb house and all the other ad channels and techniques of ad serving are available . if you mean technologies - - it’s also a yes . there are no ad technologies or supply chains that we don’t have access to in the cee region . in terms of demand it’s similar in both regions in terms of proportions . as for technological demand , it’s worth noting that we are all big - eyed here in cee and have every intent to be at the forefront of the global online race .
“we were all aware of the rapid development of rtb in the us market and growing interest in the technology in western europe . we believed we could build something that would leverage the rising demand for programmatic advertising on our side of the pond , and later become competitive compared to solutions from global players . ”
the labour government elected in 1997 devolved housing powers to scotland and wales , and these administrations adopted different approaches to the right to buy . in england rtb discounts were reduced in february 1999 when the £50 , 000 maximum was replaced by maximum discounts differing between regions ( from £38 , 000 in london to £22 , 000 in the north east ) . in 2003 , maximum discounts were further reduced to £16 , 000 in nine local authorities in the south east and in all except two london boroughs ( detr , 2003 ) . restrictions were also introduced on resale of right to buy homes in designated rural areas . increasing concerns about abuses of the rtb ( see jones , 2003 ) and the impact of the rtb on regeneration of council estates were addressed in the housing act 2004 which also extended the initial qualification period from 2 to 5 years and extended the discount repayment period from 3 to 5 years . these changes reduced the rate of sales .
the rtb was highly publicised and made attractive by the expectation that rents would increase . after some initial nervousness building societies became willing lenders and more than nine out of ten rtb sales were financed with private sector loans . this reduced the significance of the right to a mortgage , and immediately generated more substantial receipts for government than anticipated . cumulative capital receipts under the policy proved greater than under any other privatisation policy . however , from the outset there were restrictions on local authorities’ use of receipts which largely reverted to the treasury . crucially , there was no commitment to use capital receipts for housing and no policy to replace sold dwellings .
“given this industry condition , advertisers needed to find new ways of deploying their marketing budgets more efficiently , ” said dyczkowski . “rtb , and programmatic in general , was a great remedy for this downturn with its highly efficient cost models , i . e . pay - per - result payment models and targeting capabilities . ”
basis . this offer was described as a compromise with a view to securing the independence of housing associations and the best deal on compensation ( for discounts ) and flexibilities ( the ability to refuse the rtb in relation to certain properties ) . during his speech to the conservative party conference on 7 october 2015 , the then prime minister announced that agreement had been reached on the nhf’s offer and that the first housing association tenants would be able to buy their homes in 2016 . during the autumn statement and comprehensive spending review 2015 , the chancellor announced that the extended rtb would be piloted by five housing associations . these pilots are now complete and a
eastern europe is tricky to define as a region , as the boundaries vary depending on political , geographical , cultural , or socioeconomic contexts . note that europeans in business generally use the term cee ( central and eastern europe ) when referring to the region instead of “eastern europe . ” anyway , when most people think of eastern europe or cee , they usually are referring to ex - communist countries . however , at rtb house , the cee label encompasses all countries that are south and / or east of poland . this includes southern european countries such as bulgaria , romania , ex - yugoslavia , greece and turkey . overall , we currently operate in 11 countries in the cee region .
the rtb had previously resulted in only a slow cumulative loss of relets and had generated capital receipts , but the sale of housing associations’ stock would have profoundly different implications for relets and the public purse . it also required government spending in order to fill the gap in housing associations’ accounts occasioned by the enforced sale of properties . in effect the treasury would fund the discount - paying housing associations the difference between market value and rtb sale price and recouping this by selling higher value council properties and dismantling of council housing . the rationale for this can be questioned in terms of priorities in spending and its impact on the supply of affordable housing and issues related to asset management , choice and mix in social rented housing . extraordinary discounts would also inflate demand and experience suggested that a significant proportion of properties sold to home owners under rtb would become privately rented on resale – with higher costs to the public purse because private tenants entitled to housing benefit would pay higher , market rents than social renters .
from the moment of its introduction on 3 october 1980 , right to buy has been a divisive and controversial policy . supporters argue it gives the aspirational working class the opportunity to own their own home and improve their financial circumstances : opponents say it amounts to a sub - market flogging of public assets and has caused distorted house prices , substantially contributing to the housing crisis .
there are countries that are more western in terms of innovation , economy and embracing western concepts , such as slovenia , the czech republic and poland , and countries like bulgaria and romania , which had seen little in the way of rtb implementation in 2012 . they did , however , possess great curiosity and were willing to test new solutions .
fyber is a global technology company , developing a next generation monetization platform for mobile publishers . fyber combines proprietary technologies and expertise in mediation , rtb , video and audience segmentation to create holistic solutions that shape the future of the mobile app economy . this includes providing the world’s first and only mechanism to achieve a true state of header bidding for the mobile app environment .
bartlomiej romanski , cto of rtb house ( pictured top left ) , notes that conversion prediction ( the estimated probability that a user will act in a desired way ) plays a crucial role in digital advertising : “we live in a world where big data is comprised of endless streams of information about internet users . deep understanding of a customer’s needs and attitudes is the first path to success . we’ve used the newest technologies to construct an algorithm which , by using recurrent neural network ( deep learning architecture ) , is able to accurately predict how will internet user behave , what purchase intentions they have , and what decision they will take . this in turn makes our personalized ads even more accurately targeted , bringing our clients higher roi and helping them use advertising budgets more efficiently . ”
at the end of the hall , a second door leads into the main part of the house . walk through this and you are in a wide airy inner hall that could easily double as a study , and has french doors leading to a deck with steps down to a gravelled patio . the staircase starts here and it rises to the first floor landing , off which is a formal dining room with a concealed door leading to a long galley style kitchen . at the end of the kitchen is a small dining area , just right for a table for two , with a door opening on to another timber deck overlooking the garden . the first floor has a superb 20 foot drawing room running across the front of the house , including the deep bay window with its extra wide window ledge , perfect for looking out to sea .
looking back over the history of rtb it is apparent that , rather than the symbolism associated with a legal right , it was the manipulation of levels of discount that were key to the operation of the policy . the right to buy with lower discounts would have had much less impact . by 2015 potential maximum discounts were at their highest ever level and , along with low interest rates and rising house prices , provided an attractive environment for housing association tenants to buy . the policy had the potential to generate rapid and significant purchases and in turn to trigger disposal of council housing to further speed the decline of social renting . the pace and volume of sales is likely to affect the feasibility of replacing sold properties : at best there will be replacement elsewhere with smaller and less attractive dwellings and at worst replacement will fail to materialise . in the long term the extension of the policy is likely to have some impacts similar to its predecessor : but , in contrast , it requires direct public spending to finance discounts . as with the rtb previously , tenants who have already benefitted longest from subsidised housing , who are better off and who live in the best dwellings benefit disproportionately while the strategic impacts are adverse .
although the right to buy has remained in england since 1980 , by july 1983 amendments were planned and the general consent was amended ahead of new legislation . the housing and building control act , 1984 provided a right to purchase a shared ownership lease , tidied up technical details , closed loopholes in the original legislation and increased its scope . more disabled persons’ dwellings were included and there was a general extension to county councils and to successors . some 50 , 000 additional tenants were included by extending the rtb to some properties where public sector landlords did not own the freehold . the rtb was also extended to some 250 , 000 tenants of only 2 years standing and the maximum discount increased to 60 % ( 32 % for 2 years tenancy ; 60 % for 30 years ) .
the previous housing minister , gavin barwell , acknowledged issues with the replacement policy when giving evidence to the communities and local government select committee on 27 february 2017 . commenting on the rate of replacement , he said : “ at the moment , we are delivering on that but the projection suggests that , in the future at some point , we will not be . therefore we need to look at what we can do to make sure that we get those replacement homes . ” the most recent statistics on rtb sales ( march 2018 ) show that starts and acquisitions fell short of the three - year replacement target at the end of december 2017 . dominic raab , the housing minister , said that consultation would take place which would consider giving councils more flexibility over the use of rtb capital receipts .
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> < p > some tenants with a secure tenancy agreement can apply to buy their home . < / p > < p > introductory tenants cannot apply . < / p > < p > some properties for the elderly or persons with disability may be exempt and cannot be bought . check with the home ownership team to find out if you live in one of these properties by emailing < strong > < a href =
mailto : house . sales @ urltoken
> house . sales @ urltoken < / a > < / strong > < / p > < p > there may be other reasons which may mean you cannot buy your home , such as if you are an un - discharged bankrupt , subject to a court order , in breach of any aspect of your tenancy agreement , anti - social behaviour etc . < / p > < / div >
essential system maintenance is scheduled to take place between 6 pm on friday the 6th april 2018 and 7 pm on saturday the 7th april 2018 . this will affect the rtb online portal which will be unavailable due to this scheduled maintenance . please try again after this 7pm on saturday the 7th april 2018 if you wish to access the online service . thank you for your patience and we apologise for any inconvenience caused .
– philipp schroeder , active venture partners “in the upcoming periods , the marketing industry will be further revolutionized by programmatic trading via real - time bidding ( rtb ) and a direct integration of sales and marketing departments under one roof . yd group already proved to be a clear innovative leader in this field . the funding from partech international and active venture partners will allow the company to grow significantly in important international markets . ”
< div class =
externalclass37bbbf5533304d1d9a086daf8e1a5cc3
> < p > the home ownership team will tell you within 4 weeks of applying if you have the right to buy . they will provide you with the purchase price within 12 weeks of applying to buy a house or bungalow . < / p > < p > if you are applying to buy a flat or maisonette you will receive details of the purchase price and service charges within 16 weeks . < / p > < / div >
the extension of the rtb to housing association tenants was the subject of an inquiry by the communities and local government select committee over 2015 - 16 . the committee’s report expressed support for the government’s aspiration to extend home ownership and increase housing supply , but concluded that there are “unresolved issues” and said that the committee “remain concerned that the government’s policies could have a detrimental effect on the provision of accessible and affordable housing across all tenures . ”
his blackrock home has been imaginatively restored and redecorated over the past five years and is currently laid out as a three - bedroom house with a smart one - bedroom apartment at ground floor level . architect david sheehan of barry & sheehan , who specialises in the restoration of large period houses , was commissioned to redesign the interior . the result is a home with flexible and unusual accommodation that will appeal both to families , or perhaps to a couple who want a home with good income potential .
< div class =
externalclass1ef5a3cd211546b5be77239502775b28
> we should tell you within 4 weeks of applying if you have the right to buy . < br > you should have a price in writing from us within 12 weeks of applying to buy ( if your home is a house / bungalow ) . < br > if you live in a flat or a maisonette , we have 16 weeks to tell you the price and details of service charges you will need to pay as a leaseholder . < / div >
according to the residential tenancies board ( rtb ) , in the october - december period of 2017 ( q4 ) the standardised national average rent for new tenancies was €1 , 054 per month , up from €990 one year earlier . in percentage terms , nationally rents grew by 6 . 4 % over the year to q4 , which brings the growth rate down to levels seen in early 2017 . this represents a slowdown relative to q3 2017 which was 8 . 0 % .
geruszczak : i would say that supply is the same , but the dynamic of growth in the west , in comparison to east , much lower . mature markets , as the west is , are struggling with stagnating innovation . so any changes occurring are not that spectacular . as far as rtb technology is concerned , there are many more market players in western europe and more money to invest . high competitiveness , in turn , pushes the market players to look for even more advanced solutions .
one of the first right - to - buy homes was visited for a photo opportunity by thatcher , who handed over the deeds to the buyers . the house on amersham road , near romford , essex , was bought by the pattersons in august 1980 for £8 , 315 with a deposit of £5 . it was sold for 21 times its original value in 2013 , for £180 , 000 . property website zoopla , lists its current estimated value as around £250 , 000 . but the financial strain of the mortgage reportedly contributed to the breakup of the patterson’s marriage .
the housing and planning act 2016 does not contain measures to implement a statutory rtb for housing association tenants . the act does , however , contain measures that will require english local authorities to make an annual payment to government in respect of the expected sales of “higher value” vacant stock over the year . these payments will be used to compensate housing associations for selling housing assets at a discount to tenants . the then secretary of state confirmed that no higher value asset payments would be required from local authorities in 2018 / 19 .
in a recent interview , the founder of the online furniture marketplace and mountain’s portfolio company avandeo , burkhard gersch describes the company’s goal to distinguish itself from the traditional distributor concept and become a vertical trader , manufacturing many items in house and creating a strong brand image . the strategic approach adopted by avandeo was featured in an article on a leading german e - commerce blog , citing it as the reason why the company is poised for greater success than new entrants to the market . the full interview can be found here . the article can be read on urltoken for further information , please visit urltoken
comparisons have been drawn with the existing commitment to replace properties sold since the discount levels were increased in 2012 . rtb sales increased from 2 , 638 in 2011 / 12 to 13 , 416 in 2016 / 17 , while the total number of dwellings started on site or acquired by local authorities , the greater london authority ( gla ) , and the homes and communities agency ( hca ) since 2012 / 13 up to the end of 2016 / 17 was 12 , 930 . the right to buy one - for - one additions policy allows for replacement of the homes sold within three years of the date of sale .
the volume of sales doubled in 2012 - 13 from below 3 , 000 each year ( between 2008 - 9 and 2011 - 12 ) and almost doubled again in 2013 - 14 : but they remained lower than in any year between 1981 and 2007 . how much of the relatively small increase in sales after 2011 is attributable to the relaunch of the rtb rather than a relaxation of wider market constraints is difficult to assess . the government’s commitment to replace properties sold was also called into question with only 2 , 712 new dwelling starts by local authorities and housing associations between 2012 - 13 and the third quarter of 2014 - 15 .
, the german provider of online marketing services for local smes , welcomes the nwz group , one of the leading media companies of northern germany , as a further investor . as founder and ceo of the startup , feliks eyser is proud to have the successful media house on board and hopes to build on its extensive knowledge in providing local online marketing for smes . as an issuer of daily newspapers , nwz has more than a decade of experience in the field and often represents a point of first contact for small companies seeking media attention . regiohelden looks to use the additional investment to continue its successful growth in the sea market and fund the development of new products , as well as hiring new employees . for further information , please visit
the conservative manifesto commitment involved reinvesting the receipts from housing association sales and replacing dwellings – so that the supply of affordable rented housing was not eroded . capital receipts from the sale of higher value council properties would generate sufficient funds to cover the value of the discount received by the rtb purchaser and fund two affordable rented dwellings to replace both the council dwelling sold to finance the policy and the sold housing association property . while this might be possible in parts of london and with some atypical properties it seems unlikely to be achievable in many cases ; or only by replacing larger properties in more expensive locations with smaller properties in less expensive locations . this is likely to increase social and spatial segregation and limit the capacity of the social rented sector to respond to diverse needs .
the conservative party had committed itself to introducing a right to buy before margaret thatcher became party leader . it was largely in place in 1974 , but did not prove an asset in the two general elections that year because of high interest and mortgage repayment rates , as well as the growth of negative equity as house prices fell . electoral defeat delayed the policy rather than acted as a catalyst . after the election of may 1979 a new conservative government drafted legislation to provide a right to buy but , because this would not become law until october 1980 , also revised the general consent ( may 1979 ) to enable sales with higher discounts matching those proposed in the new legislation . the numbers of sales completed under this general consent exceeded previous levels . between 1952 and 1980 over 370 , 000 public sector dwellings were sold in england and wales . almost a third of these were in 1979 and 1980 and it is evident that higher discounts generated and would have continued to generate higher sales without the right to buy being in place .
subsequent changes to the rtb before 1997 were largely designed to make the policy more attractive . sales of flats had lagged behind houses and this contributed to the decision to introduce differential rates of discount in 1986 under the housing and planning act . new discounts for houses were 32 % for 2 years tenancy , increasing by 1 % for each additional year to a 60 % maximum ( after 30 years ) . discounts for flats started at 44 % ( 2 years ) and progressed by 2 % for each additional year to a 70 % maximum ( after 15 years ) . the discount repayment period was also reduced from 5 years to 3 . ministers proposing these changes referred to the problems of the inner city and the inadequacies of the old bureaucratic and monopolistic public housing sector . policy was now about dismantling the legacy of council housing and housing action trusts . stock transfer to housing associations ( with a preserved right to buy for existing tenants only ) were introduced to further this . higher discounts generated more sales of flats but exposed the lack of understanding of leaseholders’ rights and obligations among purchasers and their advisors and local authorities’ inexperience of managing leaseholds .


hiddenlevers is a financial technology company with offices located in both new york city and atlanta .

it provides financial advisors and professional traders with web-based tools to assess macro risks and stress test portfolios .

advisors use the correlations engine and easy user interface to help clients understand risk in portfolios , showcase hedging strategies , and compare portfolios in several macro-economic outcomes .

hiddenlevers

hiddenlevers ' s headquarters is located in new york , new york . for every employee , hiddenlevers generates $ 209 . 4k in revenue . hiddenlevers has 1 followers on owler .
owler has collected 14 screenshots of hiddenlevers ' website since jun 2014 . the latest hiddenlevers website design screenshot was captured in mar 2018 .
hiddenlevers mastermind session : top faqs of hiddenlevers from hiddenlevers on vimeo . get ready for another amazing hiddenlevers mastermind session ( literally the hottest thing since sliced bread ) . in this episode , we gathered the most frequently asked questions our advisors hadabout hiddenlevers . your hosts , jeff + david , will dive into each question and give you the
in addition to providing access to hiddenlevers for the stress testing of prospect portfolios , global financial is also using hiddenlevers as a financial planning tool .
use hiddenlevers to stress test fixed income securities . click here for high - resolution version
we were early adopters of hiddenlevers and now consider it a key tool for our practice .
hiddenlevers ' headquarters is located in new york , new york , usa 10013 . hiddenlevers has an estimated 39 employees and an estimated annual revenue of 8 . 2m . . . .
as an investment advisor , i would not want to be without an analytical tool like hiddenlevers .
hiddenlevers is the complete risk platform helping financial advisors with portfolio management needs and client friendly presentation .
since we began using hiddenlevers over a year ago , it has become an indispensable tool for us .
as a prospecting tool , hiddenlevers helps me illustrate how someone is being underserved by their current advisor .
hiddenlevers , the portfolio stress testing platform for financial advisors , today announced that it n . . .
summit equities , the renowned investment advisory firm , is greenlighting hiddenlevers as a core techn . . .
the company is also in discussions with pershing and td ameritrade institutional to integrate hiddenlevers into their platforms .
hiddenlevers announced thursday it has shifted its headquarters from new york city to decatur , in ano . . .
about hiddenlevers hiddenlevers is quickly becoming the premier portfolio stress testing solution for both portfolio managers and financial advisors everywhere . the cloud - based platform includes a library of macro scenario research , portfolio stress testing , portfolio risk profiles , thoughtful client - facing output and an enterprise level risk monitoring . hiddenlevers is based in new york city .
about hiddenlevers hiddenlevers is quickly becoming the premier portfolio stress testing solution for both portfolio managers and financial advisors everywhere . the cloud - based platform includes a library of macro scenario research , portfolio stress testing , risk profiles for portfolios , automated risk monitoring , and thoughtful client - facing output . hiddenlevers is based in new york city .
we ' ve made a significant investment in the people we serve by integrating hiddenlevers into our technology offering .
you’ve used hiddenlevers , then , to strengthen relationships with existing clients . do you use it to attract new clients ?
you’re viewing a free company profile from the pitchbook platform . to explore hiddenlevers’s full profile , request a free trial .
hiddenlevers mastermind session – smas , options , structured notes from hiddenlevers on vimeo . many advisors use hiddenlevers to model risk + return for stocks and bonds , but did you know , we can also help model nearly any type of asset class from options to structured products to alts to non - marketable securities . in our recent mastermind session , co - hosts
advisors using hiddenlevers can run various macro - economic scenarios and see what the expected outcomes are on their portfolios . hiddenlevers adds pre - specified scenarios for users to explore , for example “gold crash , ” or “revolution in the arab street . ”
hiddenlevers is a provider of next - level risk technologies , aimed at portfolio managers , financial advisors , and corporate treasuries .
jeff baker is a member of hiddenlevers , an interactive stress testing and risk platform based out of new york . hiddenlevers works with financial advisors , holistic planners , broker dealers , and asset managers to stress test investment portfolios and optimize return outcomes .
joonas is a jack of all trades , whose role at hiddenlevers is split between sql bro - gramming and relationship management . joonas spends most of his time at the hiddenlevers hq , but outside the office joonas is an accomplished pianist , theatrical performer and philanthropist . joonas has a bachelors degree in economics and public relations from syracuse university . before his stint at hiddenlevers , joonas worked as an economic researcher at the ministry of economic affairs in estonia , making him the most estonian member of the hiddenlevers team .
new york , march 01 , 2017 ( globe newswire ) - for immediate release orion selects hiddenlevers as key t . . .
atlanta , june 28 , 2018 / prnewswire / - - hiddenlevers , a provider of financial risk technologies , has s . . .
chicago , il - - ( marketwired - jan 27 , 2015 ) - hiddenlevers , the premier portfolio stress testing platfo . . .
atlanta , ga - - ( marketwired - nov 13 , 2014 ) - hiddenlevers , the premier portfolio stress testing platfo . . .
at hiddenlevers , we use adjusted closing price for all total return calculations seen on the site . the definition of adjusted closing price :
most clients don ' t understand asset management . with hiddenlevers , we take real - world scenarios and illustrate how their portfolio may react .
new york , ny - - ( marketwired - aug 26 , 2015 ) - hiddenlevers , the premier portfolio stress testing platf . . .
new york , ny - - ( marketwired - jul 16 , 2015 ) - hiddenlevers , the premier portfolio stress testing platf . . .
new york , ny - - ( marketwired - oct 8 , 2014 ) - hiddenlevers , the portfolio stress testing ï¿½platform fo . . .
you started using hiddenlevers just a couple of months after it was launched . are you concerned about the pitfalls of being an early adopter ?
contact : raj udeshi hiddenlevers + 1 212 292 3147 email contact alexa auerbach morningstar , inc . + 1 312 696 - 6481 email contact
hiddenlevers - passes - 200b - in - assets - on - platform - opens - new - headquarters - in - atlanta - 300673927 . html
envestnet has integrated with hiddenlevers to deliver its portfolio stress testing tools directly from the envestnet advisor suite . use hiddenlevers’ economic scenarios and macro correlations modeling to give clients a sense of how vulnerable their investments may be to various economic changes , and what they might do to help protect their portfolio .
with markets at highs and fears of a correction , financial advisors using orion advisor services can access hiddenlevers to model scenarios like rising interest rates , middle east turmoil , and global deflation . the single sign - on integration allows orion users who subscribe to hiddenlevers to import their account positions into the hiddenlevers cloud - based software . once there , they can visualize market beta risk , showcase hedging options , and provide an interactive experience for clients .
hiddenlevers announced thursday it has shifted its headquarters from new york city to decatur , in another sign that atlanta ' s fintech scene is gaining traction .
hiddenlevers and morningstar will host a webinar on wednesday , feb . 4 at 4 p . m . et to provide additional information about the benefits of the integration and how clients can begin using the combined services . advisors can create a hiddenlevers trial account , and register for the webinar at urltoken .
new york , ny - - ( marketwired - may 13 , 2016 ) - hiddenlevers , the leading portfolio stress testing platform for financial advisors and asset managers , now has universal fixed income modeling . financial professionals subscribing to hiddenlevers risk management software can get instant risk analytics on millions of fixed income securities .
hiddenlevers ' research team creates scenarios to model recessions , crises , and other economic events , using historical research and analysis on how economic indicators are correlated .
new york , ny - - ( marketwired ) - - 05 / 13 / 16 - - hiddenlevers , the leading portfolio stress testing platf . . .
new york , ny - - ( marketwired ) - - 08 / 26 / 15 - - hiddenlevers , the premier portfolio stress testing platf . . .
new york , ny - - ( marketwired ) - - 07 / 16 / 15 - - hiddenlevers , the premier portfolio stress testing platf . . .
when it comes to engaging with prospects your brand of service is your unique , competitive advantage . but with changing times technology has become the center of many firms . using the right software has become increasingly important , and financial softwares like hiddenlevers and redtail can help amplify your competitive edge to win new business . with hiddenlevers
we took a look at one company in this new game , new york city based hiddenlevers , which early this year launched a service that tries to uncover the hidden connections between economic trends and stock prices and portfolio performance . see : how hiddenlevers is using the web to bring wirehouse - type economic analysis to rias .
hiddenlevers ' research team creates scenarios to model recessions , crises , and other economic events , using historical research and analysis on how economic indicators are correlated . the hiddenlevers scenario library contains almost 90 different built - in scenario outcomes covering events across a range of categories like domestic ( us ) , monetary , global , historical , and more . these built - in scenarios are just a starting point - scenarios can be customized or created from scratch in hiddenlevers to analyze virtually any macro event .
combining interactive data ' s expertise and range of fixed income evaluations with hiddenlevers risk analytics engine and scenario - based stress testing gives the market a powerful new tool ,
said andrew hausman , president of interactive data ' s pricing and reference data division .
we are pleased to support hiddenlevers innovation in risk technology .
jeff assists the hiddenlevers team in sales and business development . jeff leverages his prior experience as an investment analyst to support product development as well as developing new business relationships . prior to working at hiddenlevers , jeff held investment analyst positions with ubs and raymond james . jeff is a graduate of northwestern university with a bachelors degree in economics .
, director of financial planning at global financial .
we ' ve taken advantage of hiddenlevers scenarios like oil crash , global deflation and tech bubble 2 . 0 .
no ownership rights : all content on the site , including text , graphics , logos , button icons , images , and software , is the property of hiddenlevers or its content suppliers , and is protected by u . s . and international copyright laws . “hiddenlevers” , “gxworks” , and the hiddenlevers logo are trademarks of gxworks , llc . other featured words or symbols , used to identify the source of goods and services , may be the trademarks of their respective owners in the united states and / or other countries .
suhail ali leads system integration and public api development at hiddenlevers . suhail has over 15 years of experience in technical consulting in the financial services , telecom , insurance and credit card processing industries . prior to hiddenlevers , suhail was director of product development at axela technologies . he is a graduate of northern illinois university with bachelor’s degrees in computer science .
the compilation ( that is , the collection , arrangement , and assembly ) of all content on the site is the exclusive property of hiddenlevers and is protected by u . s . and international copyright laws . all software used on this site is the property of hiddenlevers or its software suppliers and protected by u . s . and international copyright laws .
, hiddenlevers integrations ace .
we started with our data integration and built a single sign - on in 22 hours . mad props to orion for bringing us together .
in terms of dividends , hiddenlevers includes dividends in the price history of any publicly traded investment , but does not assume reinvestment . this is in line with adjusted closing price :
in addition to being a handy tool for charting within his articles on seeking alpha , leventhal says he sees potential in hiddenlevers as a tool to help select products and to manage clients .
i use hiddenlevers scenarios in presentations in community education programs and i’ve gotten a [ few ? ] new clients . it also helps distinguish me as an ria from the brokerage industry . *
to get best - of - breed fixed income data , hiddenlevers tapped interactive data corporation , a leading provider of fixed income evaluated pricing and subsidiary of intercontinental exchange ( nyse : ice ) .
downside risk as a topic has often been a disconnect between advisors and clients – just statistics and jargon . hiddenlevers stress testing platform employs imagery and interactive functionality to make sure everyone is engaged .
unauthorized use of your account : you agree to promptly notify hiddenlevers of any known or suspected unauthorized use ( s ) of your account for the service , or any known or suspected breach of security , including loss , theft , or unauthorized disclosure of your password or credit card information . hiddenlevers shall not be liable for any loss or damage resulting from your failure to safeguard your password and account .
hiddenlevers is always bringing features that help enhance client experience , improve efficiency , and help financial professionals stay ahead of the market . check out what we ' ve released ( so far ) this year !
, group president , advisor services at envestnet .
hiddenlevers has provided a substantive value in the risk tech category , and to see global financial using it to maintain sales momentum is just fantastic .
you have a background in economics and have said that you and your firm tend to approach things quantitatively . what about advisers who aren’t as well versed in economics ? can they find value in hiddenlevers ?
hiddenlevers offers sophisticated macro scenario modeling , hedging strategies and risk profiles , but makes sure the analysis is just as useful for the client - facing advisor as it is for the investment committee . “we make a huge effort to make everything understandable , even exciting , for the end client . it’s just better when advisors can talk about risk in real terms , ” says raj udeshi , co - founder , hiddenlevers .
chicago , il - - ( marketwired - jan 27 , 2015 ) - hiddenlevers , the premier portfolio stress testing platform , has teamed up with morningstar to make it easier for mutual advisor clients to stress test portfolios . subscribers of morningstar office ( sm ) , the company ' s practice management system for financial advisors , can now import portfolios directly into hiddenlevers and gauge how big picture economic scenarios might affect their investments .
. financial advisors using orion can import accounts directly into hiddenlevers , and use the stress testing tools to help clients understand risk / reward trade - offs , showcase hedging strategies , and step up their overall practice .
while it’s still early — the company launched just ten months ago — to assess its value in the investment process or its track record in correlating economic trends to asset prices , hiddenlevers has its share of devoted subscribers .
hiddenlevers has the right to withdraw or remove features of the service at any time , and without prior notice to you , with or without refunds or price adjustments , at the company & apos ; s sole discretion .
hiddenlevers helps investors generate trading ideas based their economic views , and understand how big picture scenarios will impact their investments . the team is comprised of successful wall street macro - traders , economic experts , and black swan contrarians .
have set out to bring the kind of quantitative economic analysis that wall street and hedge funds rely on to independent advisors . hiddenlevers’ new ria - focused product , released two weeks ago , offers portfolio - specific scenario analysis and
not in the sense where i’ve used hiddenlevers results to , say , buy one etf over another etf , but i use it to stay in or get out of asset classes or get into new types of asset classes .
orion invited hiddenlevers to participate in fuse , its inaugural developers retreat in the utah mountains . this weekend hackathon brought together top developers of the industry ' s best tech companies to get inspired and quickly hammer out new ideas .
hiddenlevers ( “the company” ) should be used for informational purposes only and does not constitute investment advice . if you make investment decisions based on information you receive in connection with the site , you do so at your own risk and hiddenlevers and its employees will not be liable for any losses that you may sustain . site users should conduct their own independent research and due diligence and obtain professional advice , if necessary , before making any investment decisions or recommendations .
ashleigh helps operate the hiddenlevers messaging machine and spread the gospel of client facing risk tech . through social media , digital campaigns , and conference programming , she gets fintech seekers to the front door of hiddenlevers . refusing to live in some marketing silo , ashleigh takes support calls herself just to make sure the customer experience is enjoyable . miss nails is a graduate of troy university with a bachelors in marketing and is currently pursuing her master’s in communication from purdue university .
hiddenlevers uses big data to measure millions of relationships between the economy and investments . interest rates affect home sales and oil prices , which impact the price of home depot stock . we uncover these links for 35 , 000 + investments .
i think we need to say it one more time : hiddenlevers broke $ 200b in assets on our platform . that ' s $ 200b being stress tested and analyzed to make sure clients meet goals and understand risk + reward ! urltoken
hiddenlevers lets you change assumptions on the fly , and provides very humanizing language and visuals ,
said dixon .
the idea is to have global financial advisors use stress testing to actually build closer relationships with their clients .
nevin’s note : hiddenlevers is roughly to economic analysis what brightscope is to 401 ( k ) plans . they each gather and analyze data that are publicly available , package them up in useful , web - based dynamic charts , tables , and
leventhal pointed me to his recent post , a funny thing happened on my way to selling diebold , and explained that hiddenlevers’ macro profile tool helped him uncover a few relationships above and beyond what he was able to glean from other research sites .
but far from implying that our models are infallible , we enable clients to adjust assumptions and correlations throughout the system as they use it . this enables advisors to use our tools to model based on their own insights in addition to using hiddenlevers’ analysis .
another mic drop moment brought you by hiddenlevers ! today , we launched sma data on our platform . every sma can be stress tested , used in proposals , and makes manager review easier than ever . see historical data + holdings on 8000 + smas . urltoken
, president and ceo of orion .
hiddenlevers fits perfectly into that new vision , as they represent web 3 . 0 for advisors , in both functionality and visual appeal , and we are glad to have them as an adopter of our new interface .
no warranty or guarantee is given regarding the accuracy or completeness of the information provided on the site and under no circumstances will hiddenlevers be held responsible , or liable for errors , or omissions resulting in any loss or damage caused or alleged to be caused by information contained in the material presented on the site , including but not limited to direct , indirect , incidental , special or consequential damages caused by using the information . hiddenlevers does not sponsor or promote any of the securities or financial instruments or indices listed on the site .
2015 has brought renewed market volatility , and investor concerns about macro uncertainty are only rising ,
said raj udeshi , co - founder of hiddenlevers .
without dynamic engagement around risk in your advisory practice , you ' re no better than a robot .
high - yield bonds were ground zero for the impact of tanking oil prices , but only a fifth of them were related to energy . advisors using the hiddenlevers ria risk toolkit could distinguish divergent behavior in high - yield issues , for both themselves and for their clients .
any action against hiddenlevers arising from or relating to your access to and use of the website and the provisions of these terms and conditions must be brought by you in state or federal court located in the state of georgia , county of dekalb . you consent to the jurisdiction and venue of the state and federal courts located within the state of georgia , county of dekalb , for the adjudication of all claims by hiddenlevers against you arising from or relating to your access to and use of the website and the provisions of these terms and conditions .
audrey assists the team in project management and customer relations . when she ' s not aiding the product dev team in the release of new features , she uses her prior experience in marketing to build and maintain positive relationships with hiddenlevers users . she has made it her goal to ensure that users are utilizing hiddenlevers to its fullest potential and are consistently aware of how the latest updates and newest features can be used in their client workflow . audrey is a graduate of emory university , with a degree from the goizueta business school in marketing and isom .
dhwani is a full - stack developer at hiddenlevers and is responsible for developing and maintaining the company ' s front - end , application , and database software . besides development , she enjoys teaching kids . she is a graduate of dharmsinh desai university with a bachelor’s degree in computer science .
based in the cloud , hiddenlevers recalculates correlations daily , doing six million regressions a day and testing them for statistical significance . the company has about 230 subscribers , including rias , hedge funds and individual users at institutions such ubs , merrill lynch , wells fargo and j . p . morgan .
“we’re trying to educate this audience on how to talk about risk with clients , ” says hiddenlevers co - founder raj udeshi . “it’s not about predicting the future , but about preserving wealth . we’re trying to help advisors deal with uncertainty and to do it without having to have ten analysts . ”
the first hiddenlevers success stories came when us treasuries got downgraded in the 2011 debt ceiling debacle ,
said ghanta .
our scenario analysis showed that the bond market would stay strong , counter - intuitively , and the pros have been using us to stress test fixed income assets ever since .
did the recent market plunge have your clients worried and stressed ? your clients and models should be prepared and hiddenlevers can help . in this session we’ll cover : how to discuss risk and volatility with your clients how to make model changes to combat our current volatile environment stress testing for various potential 2018 outcomes your
is quickly becoming the premier portfolio stress testing solution for both portfolio managers and financial advisors everywhere . the cloud - based platform includes a library of macro scenario research , portfolio stress testing , risk profiles for portfolios , automated risk monitoring , and thoughtful client - facing output . hiddenlevers is based in new york city .
we work with some of the best financial advisors in the world . today’s spotlight shines on trust point advisors how did you get started with hiddenlevers ? trust point’s goal was to find a portfolio risk management platform to help our investment team identify unforeseen risks in our client portfolios . when clients decide to work with us ,
here at hiddenlevers we’re continuously updating and releasing new features to help advisors . this year we’ve released new analytics , an investor policy statement , and structured note support . what is the survey tracker ? survey tracking—our latest feature—is yet another utensil in our advisors’ tool box . with all your prospects + clients it can be difficult to
“if there really is a municipal bond crisis , or if the euro zone really does go into a free fall , what happens to joe smith’s portfolio that i’m managing and the specific positions that he holds ? ” asks ghanta . he says that hiddenlevers is the first service geared toward rias that is meant to answer this question .
hiddenlevers provides you with risk management , client presentation , and now retirement analysis . with our newest feature , cash flow analysis , we created a new way to present potential risks of your prospect + client’s financial plans . check out the replay of this month’s mastermind as david + jeff walk through : 1 . why we decided to
developed by two former wall streeters with experience in it , sales and trading , hiddenlevers looks at equities , etfs , adr shares , mutual funds , bond funds , equity options , major currencies and soon , fixed - income instruments , and correlates their movements with 130 economic “levers” or indicators over periods of two and ten years .
but hiddenlevers further hedges its revenue model by also catering to financial media . the dynamic charts that users can generate to compare economic indicators and stock prices are embeddable , so financial writers on websites like seeking alpha can use them to tell powerful stories of correlation . this functionality is only included at the $ 200 / mo price point .
increasing wages , rising rates , and looming inflation have caused a shakeup in the markets , but investors shouldn’t fret . when should investors panic about inflation and rising rates ? at hiddenlevers we analyze a wide range of forward - looking economic scenarios , and many of our users have long been interested in modeling the impact of rising rates . as
absolutely . with the greek crisis , i had people who wanted to get out of all bonds . but all bonds are not created equal . when we looked at the scenarios with hiddenlevers , you could see that different types of bonds reacted differently . in some cases we stayed where we were and in some cases bought more of some bonds .
lately the faang gang ( facebook , apple , amazon , netflix , google ) is feeling the brunt of the market . with public mistrust and regulatory scrutiny threatening their freedom , serious risks loom for the faangs . but are these price shocks company - specific or a macro issue ? within hiddenlevers , the tech bubble scenario lets us explore how these macro conditions affect
brian is hiddenlevers ' front - end / ui developer . he spent 6 years with the us army in a military intelligence role , studying graphic design and web development in his free time . after his time in the army , brian held positions as a creative director and ui / ux designer while he continued to transition into his role as a front - end developer .
hiddenlevers is part of mayor michael bloomberg’s technology incubator in new york city , which is an effort to keep top tech minds from leaving the city for other tech hotspots like sillicon valley . despite being part of the incubator , udeshi says they haven’t accepted any of the venture capital offers they’ve had , and are entirely self - funded by way of their own personal investment returns .
terrell cheaves is a front end application developer at hiddenlevers and is responsible for developing and maintaining the company ' s user experience and user interface design . terrell has over 10 years of development experience in digital advertising , cloud , telecom , and financial industries . he is a graduate of florida state university with a bachelor’s degree in interactive media and a master’s degree in information technology .
is quickly becoming the premier portfolio stress testing solution for both portfolio managers and financial advisors everywhere . cloud - based since its inception , the comprehensive risk tech platform includes a library of macro scenario research , interactive stress testing and scenario analysis , risk profiles for portfolios , automated risk monitoring , and thoughtful client - facing output . hiddenlevers has offices in new york city and atlanta .
with the # 2 spot in total aum growth on the 2014 forbes list of fastest growing rias ( based on assets under management ) , global financial has been coaching advisors on how to integrate stress testing into their customer acquisition process . by offering sales training on the hiddenlevers risk analytics and reports , global financial makes an effort to include the macro context in advisor - prospect conversations .
we ' re excited to provide our clients with the ability to seamlessly evaluate risk in their portfolios through the new integration with hiddenlevers ,
said tricia rothschild , morningstar ' s global head of advisor solutions .
the integration of morningstar ' s portfolio analytics compliments the stress testing capabilities of hidden levers and will help our advisor clients to deliver even better outcomes for investors .
“advisors who equip themselves with the most advanced wealth management tools and technology are positioned to make better decisions , implement them more effectively and communicate them in the way that best fits a client’s needs , ” said bill crager , president , envestnet . “at envestnet , we are deeply engaged in creating those capabilities . hiddenlevers allows advisors to access critical information that used to be very difficult to come by . ”
udeshi and ghanta launched hiddenlevers a year an a half ago with the retail investor in mind . this initial $ 30 / month package got things rolling , but didn’t bring in as many clients as they had hoped . along the way they realized that the data may be more valuable to advisors , who have the sophistication to interpret it and the incentive to show their clients as much info as possible to explain their portfolio selection .
as everythingman # 2 , david works in multiple areas from business development to relationship management and enterprise engagements . david is able to use prior experience in the fintech space to create product ideas , develop new business relationships , and support client needs . prior to hiddenlevers , david ran two financial technology startups in options trading and ria back - office technology . david is a graduate of lake forest college with a bachelors degree in philosophy .
our bond universe coverage just got a huge shot in the arm ,
said praveen ghanta , co - founder hiddenlevers .
when the oil crash started taking its toll on fixed income in 2015 , it was proof that our risk model works . stress testing laid bare which high - yield issues would be most impacted by oil volatility . our audience started asking for every name under the sun , and we listened .
udeshi met with suresh kumar , chief information officer of pershing , at t3 last week to discuss integrating hiddenlevers into netx360 . “i like the concept . i don’t know if it actually works in answering the questions [ about hidden economic levers ] , ” said kumar in an email to riabiz . “we need to do a deeper dive with his offering which we have offered to do . that will include getting feedback from our advisors . ”
in a stress test using a specific scenario , investment performance is projected by applying the scenario ' s assumptions on lever movements to the model created for each investment through regression analysis . if a scenario forecasts oil to rise , and exxon is correlated with oil , then exxon will rise in that scenario . the hiddenlevers scenario model accounts for how multiple factors can simultaneously impact an investment , so that rising stock prices and rising oil prices don ' t get double - counted .
steve zuschin has been a key member of the hiddenlevers team , leading ria sales and contributing to business development , operations , and marketing . he has a deep background in financial services , having worked in a number of roles at northwestern mutual . mr . zuschin is a graduate of california state university – chico with a bachelor ' s degree in finance . he is also a member of the screen actors guild for his work in a groundbreaking commercial involving the sale of his beard .
if access to this website is unavailable , delayed or limited , or if this website does not operate quickly and efficiently , you may be unable to transmit your instructions for transactions and other matters , or such instructions may not be promptly executed or you may be unable to retrieve information on a timely basis . if your operations are dependent on such communications with us , and such communications are disrupted or delayed , you may suffer losses . hiddenlevers will not be liable for any such loss .
other risk analytics providers might only use one or two proxies for all bonds - - and many advisors might not realize this ,
said raj udeshi , co - founder hiddenlevers .
we are a big data platform , with the ability to get more specific - - identify each individual bond ' s vulnerability to oil prices , several market indices , and of course , 10y treasuries . the ability to illustrate these vulnerabilities for the client or prospect is what makes asset gatherers love us .
clark is a recent graduate of the terry college of business at the university of georgia where he studied finance and traded options . he assists with business development , customer support , and marketing . clark spends his time off by hanging out with his dog , playing basketball , watching uga football , and funneling his salary into speculative bubbles . currently , clark is preparing hiddenlevers for the release of the hlcoin , which will revolutionize how the world pays for investment advisory services and transactions . contact clark to invest .
by digging deeper to show the divergent behavior of bonds to certain macro indicators , hiddenlevers creates new opportunities in fixed income . a portfolio manager can use stress testing to replace fixed income allocations damaged by exposure to oil prices . an ria can show why their allocation should withstand the impact of market events like oil volatility , a housing rebound , tech bubble 2 . 0 , and more . a registered rep can articulate why a more expensive managed fixed income product was chosen over an individual bond , fulfilling the dol fiduciary mandate .
hiddenlevers uses big data to measure millions of relationships between the economy and investments . interest rates affect home sales and oil prices , which impact the price of home depot stock . we uncover these links for 35 , 000 + investments . the model starts by measuring the statistical relationship between economic levers and investments - several million regressions are performed as part of this process . this enables the measurement of more obvious relationships like the impact oil prices on exxon mobil , and the discovery of less obvious relationships like the impact of auto sales on television broadcasters .
richard is responsible for business development and enterprise sales for the canada market . he brings tons of enterprise deal management , sales and business development expertise to the table , and previously served at croesus and td wealth . after a 20 year tour working with canadian global banks , asset managers and wealth management firms , he is giving everything he’s got to build hiddenlevers in the canadian market . outside work , he takes his kids on long road trips in the united states , to remind them that the grass is not greener . richard holds an mba from york university .
vincent is helping develop an appetite for the hiddenlevers platform across canada and the us . he has international management , sales and business development expertise , with a particular focus on canada and china . most recently he served as vp , sales and marketing and board member for croesus , one of canada ' s largest fintech companies . with stints at apple and mcgill university , vincent has created an extended network of contacts in the finance and tech communities . he spends his spare time writing songs and playing guitar . vincent only owns one bike : a honda sport touring bike .
at hiddenlevers we run millions of regressions to help our clients find potential relationships between over 25 , 000 different securities and hundreds of economic indicators . the strength of our broad approach is that it enables us to find relationships that a single analyst could never find manually . we can thus rank energy companies by their relationship to oil ( and gas ) prices , or rank financial sector companies by their sensitivity to various interest rates . and of course having this wealth of data enables us to model the potential impact of various economic scenarios on individual securities and portfolios as well .
securities or financial instruments mentioned in the website may not be suitable or appropriate for all investors or in all geographical areas . your particular needs , investment objectives and financial situation were not taken into account in the preparation of this website and the materials contained herein . you must make your own independent decisions regarding any securities or financial instruments mentioned herein . the fact that hiddenlevers has made available to you through the website , investment opinions and other information constitutes neither a recommendation that you enter into a particular transaction nor a representation that any financial instrument is suitable or appropriate for you . you should consider whether an investment strategy or the purchase or sale of any product is appropriate for you in the light of your particular investment needs , objectives and financial circumstances .
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the fed provides an overview of how it uses scenario - based stress testing to examine bank balance sheets and cash flows under a range of economic assumptions .
msci reviews the role of stress testing in the investment process , and includes a discussion on how to include stress testing in investment selection , hedging , and portfolio optimization .
jp morgan investment analytics & consulting provide a comparison of var and stress testing , and conclude that stress testing provides a deeper understanding of a portfolio ' s sensitivities and risks .
reports , and sell on two tiers to the retail and the advisory world . see :
reporting to help advisors show their clients the economic undercurrents that support their portfolio .
“there’s a complete lack of data , ” says udeshi . “even on a bloomberg terminal which you pay $ 2 , 500 a month for , there is no aggregated economic data in one place , all together , where it updates in real time . we’ve done that for the first time here . ”
udeshi and ghanta gave riabiz a demo of the site last week . the charting widgets are an impressive and innovative feat — they are the first production example we’ve seen of non - flash interactive charts , built with html5 , that still have all of the functionality that one would expect from an interactive web chart .
the site still has the feel of a startup — it’s literally still a little rough around the edges graphically . but the queries come back in a snap and the workflow is simple and obvious .
reports . there are plans to automate importing of portfolios from the major portfolio management systems in the coming months , as they are able to gather beta testers to help provide feedback .
product at the retail price point for one year , an 85 % discount .
“it’s one of the first things i’ve seen that ties in economic data , stock data , and commodity data and allows for some substantive economic analysis , ” says leventhal . “it puts some form around the process and takes it to the next level . ”
“i don’t just sit and talk to a client and say ' i pulled this out of thin air’ . . . this is a tool that can help explain [ portfolio selection ] . ”
according to an advisor at the t3 conference , rias often don’t do this type of analysis , mostly because the tools that are necessary are difficult to afford for an independent . udeshi and ghanta hope that their pricing will change advisors’ minds , and encourage them to rely more commonly on structured macro economic analysis .
users can also take a bottom - up approach , and use the macro trend screener to search for stocks , etfs , mutual funds , and currencies that are positively or negatively correlated with any of the economic indicators within hidddenlevers . for example , a search for mutual funds and etfs within the information technology sector that are positively correlated with airline traffic growth turned up three funds with a strong positive correlation : rydex s & p equal weight technology
a macro trend screener search for mutual funds and etfs within the information technology sector that are positively correlated with airline traffic growth .
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descriptive keyword for an organization ( e . g . saas , android , cloud computing , medical device )
generate proposals that include risk tolerance capture and fee attribution , to help satisfy heightened regulatory demands .
illustrate the impact of economic risks on portfolio models , current clients and prospects ' holdings .
create a digital risk officer to monitor accounts drifting from risk bands , and flag bad actor advisors + fund managers .
in a stress test , investment performance is projected using the relationships measured in step 1 , applied to the scenario assumptions in step 2 . if a scenario forecasts oil to rise , and exxon is correlated with oil , then exxon will rise in that scenario .
i really love the proposal report as this has helped me compete against managed mutual fund portfolios .
it has been a valuable tool both for converting prospects and for getting buy - in from our clients . . .
thanks for your support . i am glad to see your firm continues its commitment . . .
located in soho in downtown manhattan , our data future lab incubates early stage businesses working with computing , artificial intelligence , machine learning , or building intelligent conversational agents .
as middleman , dave is responsible for taking brian ' s work and handing it to suhail . he wonders what might happen in a world where people can communicate directly via computer ( or smart - phone ! ? ) , eliminating the need for middlemen like himself . for now he feels secure in his job .
alyssia contributes in a variety of front office roles . from manning the lead intake to threatening dead beats with cancellation , alyssia can deliver a message and get it done . she previously reviewed contracts and client agreements in the back office of a sports law firm . now , her client - facing talents have space to flourish . alyssia is a graduate of the university of michigan , with a ba in political science + international studies .
andré is responsible for sales in switzerland and other european wealth management capitals . he started his career in finance , trading derivatives and designing hedging strategies . after moving to the us , he worked at merrill lynch and prudential , in trading , institutional sales , risk and asset management , compliance . previously , he was co - founder of a boutique financial planning firm in new york and has in - depth experience with cross - border fintech for us and europe . andré owns three motor bikes : an old english police bike , a triumph , and a chopper .
finally , after years of waiting , the economy is starting to show signs of significant inflation . powell seems to have little concern with inverting the yield curve and even more pundits are pointing to a market correction . on the opposite end , some financial pundits are painting a different narrative . one where the fed ignores its 2 . 0 %
how you relate and interact with your clients plays a large role in client loyalty and retentions . your clients want an advisor that cares about their wants and needs , as well as someone they can trust . ( i mean you are managing their money ) the moment your clients don’t feel the love , they’ll leave to find
from policy makers to portfolio managers , the search for inflation is no longer coming up empty . annual cpi stands around 2 . 5 % , up from stated comfort levels . oil prices are above 80 usd and investors are starting to sweat . if the fed reigns in inflation , there is sure to be collateral damage . – why is the fed letting
millennials are on track to receive $ 30 trillion in inheritance alone in the next decade or so , yet only 30 % of financial advisors are actively prospecting this demographic . what’s preventing you from tapping into such a large market of potential clients ? my guess is the difficulty you may face trying to market to them . when
since the financial crisis , there has been one constant in the capital markets – an accommodative central bank and low interest rates . today those days are starting feel long in the tooth . the 10 - year treasury crested past 3 % in april and investors expect a more hawkish fed president to move away from the easy money
curious about the ins and outs of it all ? check out the new fed hawks war room above . i . the skinny : new fed hawks – why ripe ? 2018 : new fed chair , rising volatility , and the flattest yield curve in a decade . the fed is back in the spotlight as it deals with short - term rates exceeding
you can’t just ignore current market realities when courting new clients . in this mastermind session , we tackled the popular feature – customizable risk - forward proposals . our proposal system is the perfect presentation tool to win over a prospect or replace your current quarterly performance report . from stress test results to sector analysis to fees analysis , the proposal bundles
let’s face it – it’s china in trump’s cross - hairs , not europe . the administration is targeting chinese high - tech , apparel , and investments into the usa – far more precise moves than the blanket tariffs on industrial metals proposed earlier . still , the euphoria from tax cuts is getting replaced by fear due to protectionist rhetoric , which the chinese
the federal reserve released the details for its 2018 stress test . it’s not pretty . they’re simulating a 65 % drop to the equities market and a deep recession rather than their usual 50 % drop . as a part of the dodd - frank act , “too big to fail” banks must perform stress tests on their assets to make sure
with these market conditions , there’s no better time to evaluate how you are going to make sure your clients are prepared and well informed .
predicting china’s economic collapse is a popular contrarian pastime , but not a productive one . it’s true that her manufacturing days are dwindling and her addiction to credit begs for a collapse in asset values . but , it just hasn’t happened and talk of china trumping the isolationist us is now commonplace . – is a china debt
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us payrolls upside surprise this morning . job + wage growth risin , but unemployment also rising back to 4 % . . that unemployment uptick is good news , not bad . it shows that more previously disenchanted folks are coming back into the labor force . # jobsreport urltoken