Warsaw – the capital of Poland, a city where various cultures intertwine, combine styles and classes. It is here that representatives of the business world, politics and management come to raise their qualifications. In addition, there are many universities in Warsaw, thanks to which you can get education at a very high level. It is here, to the capital, tourists from the country and around the world come down to admire the monuments and then move on. They welcome and bid farewell to their multi-colored billboards, which point the way and encourage them to stay longer and return.

Warsaw – the capital of Poland, a city where various cultures intertwine, combine styles and classes. It is here that representatives of the business world, politics and management come to raise their qualifications. In addition, there are many universities in Warsaw , thanks to which you can get education at a very high level. It is here, to the capital, tourists from the country and around the world come down to admire the monuments and then move on. They welcome and bid farewell to their multi-colored billboards, which point the way and encourage them to stay longer and return.

 

Billboards advertising 

 

Billboards advertising 

 

The city simply asks to put many billboards advertising a given product or service in the center or on the outskirts. Marketing specialists are competing in new proposals that attract the ear. Often, they also engage other senses, such as hearing, by creating an offer as a multimedia outdoor advertisement. In this way, they reach increasingly larger groups of recipients. Today’s society needs very expressive and specific stimuli to catch the message from many others. Outdoor advertising (ie in the outdoor style) meets the expectations of the modern consumer.

Thanks to the possession of many sports facilities, Warsaw is often the organizer of events in this nature, but also cultural events, such as concerts of the greatest music celebrities, skating performances, performances by masters and many others. Thanks to billboards visible from every point of the capital , both residents and guests will learn where to go for a wide range of entertainment.

Billboards often have large surfaces first to make them more visible. Secondly – thanks to this you can fit a lot more details about the thing being advertised to the event. Advertised in this way is remembered and can be the basis for discussions about the information presented on it. A smaller, but also an attractive form is citylight. It is a message in the form of a poster placed behind a glass or plexiglass. An ideal place for this type of outdoor advertising is, among others, a public transport stop. You can also meet citylights in waiting rooms in public places or shop windows.

There may also be external advertisements in the form of traditional poles with announcements, posters, etc. Warsaw is known for its diverse types of this type of information carriers. Depending on the part of the city (whether it is the Old Town, or more modern housing estates, or ancient Prague), the advertising poles are adapted to the ambient climate. Thanks to this, surfaces blend into the background and after some time they become an integral part of a given district.

The price for renting advertising space in Warsaw depends on several factors. Above all, the size of outdoor advertising is important, as well as its location, but also its location. The more popular sectors to rent, the more you have to pay.  

 

 

Why and which online bank to choose?

 

One in four French people think that all banks are equal when it comes to which bank to choose. That there are no differences when it comes to choosing a bank. So what are the advantages of an online bank? Which online bank to choose?

 

1. Choose my bank to save money

 

1. Choose my bank to save money

 

Which online bank to choose? To choose your bank, you have to study the pricing conditions and the bank charges applied. By opening a bank account in an online bank you can save an average of up to € 182 in bank charges. You benefit from a free current account, free daily transactions (transfers, statements, withdrawals …) and a free credit card. Online banks are cheaper than traditional banks.
See the offer of the cheapest bank

 

2. Choose my bank for the freedom and ease of managing your finances

 

2. Choose my bank for the freedom and ease of managing your finances

You still wonder which bank to choose, why choose an online bank? Online banks allow you to easily manage your money freely. You can edit online at the ceiling of your credit card, follow live (24h / 24, 7/7) changes in payments and withdrawals from your bank account on computer, tablet and even shows connected with intuitive banking applications. Visual representations and categorization of money moves available on websites or mobile applications online banks make you save time in managing your bank account.

3. Choose my bank for quality customer service

3. Choose my bank for quality customer service

With online banking you can benefit from expert advisors in finance that will answer all your questions about your account, but also savings, life insurance, mortgage, investment in stock market … Did you know that 50 % of online banking customers are satisfied with the services of their bank compared to 24% for traditional banks. The best customer service is Monabanq. They guide you by offering a budget coaching to control your expenses and help to fill out your tax return.
See the offer of monabanq

4. Choose my bank for attractive promotional offers

 

Still wondering what bank to choose? Online banks also offer up to € 120 offered (Monabanq) for the opening of a current account. You also benefit from savings booklet with better rates of pay. The most attractive promotional offer is that of Boursorama, which offers 80 euros directly to your account at the opening, then 150 € for each sponsorship, up to a limit of 10 per year, which is still 1,500 € offered on year. What increase your purchasing power!
See the offer of boursorama

5. Choose my bank for trips abroad, adapted to my mobility

5. Choose my bank for trips abroad, adapted to my mobility

Choose your bank to travel at no cost. With an online bank, you control all your banking actions through innovative applications from your smartphone, tablet, computer and even connected watch. Online banks also allow you to save on overseas fees like Monabanq, with its 50 payments offer and 25 cash withdrawals by credit card at no cost. With Hello bank you benefit from the Global Alliance network to withdraw money abroad at more than 50,000 ATMs. Online banking is suitable for a mobile student.

 

Which bank to choose today, more than 3 million French have opened a bank account in an online bank. Changing banks is easy and secure. The new bank takes care of all the formalities. simply sign a mandate with the new bank and send him the bank details of the old account. The new bank will inform banks of issuers of withdrawals and transfers of your new bank details. You therefore have no further steps to make to change your transfers or withdrawals. You can even choose to only transfer all your transfers and withdrawals and not close your account.

Savings are not affected by the new provision of the Macron law. You must close your Livret A, a booklet for sustainable development before you change banks. The transfer of the Housing Savings Plan (PEL) or the Housing Savings Account (CEL) is possible, but you will lose the benefits and the transfer has a cost. You can not transfer a home loan or a consumer credit. You can keep the loan or credit in your home bank, redeem it from your new bank, or prepay it.

Online banks have everything planned so that you can change banks easily within a maximum of 22 days with EasyMove Boursorama Bank, Hello Start Hello Bank! ING Switching Service, Fortuneo neoChange, BforBank B Switch and Monabanq’s bank mobility service.

Which bank to choose without income?

There are different types of online banking. Wondering which online bank to choose if you can not justify income? Monabanq is the only online bank where you can subscribe to a bank account without justifying income.
Monabanq without income

Choosing the best bank

Choosing an online bank means having the assurance of putting your money in a better bank, just as secure as a traditional bank. You can do all your online transactions which makes online banking easier and more interesting. To choose the online bank that suits you best, compare the largest retailers with the table below:

 

Which bank to choose? The opinion of the French

Today, one in two French people has not changed banks for more than 20 years. The French are very dissatisfied with the customer relationship with their bank. Only one in five French people are satisfied with the help given by their bank on their financial management. 60% of French think banks do not give more importance to their customers. One in two French people think they pay too much bank charges. He would be willing to pay € 50 a year, while the national average of bank charges in France is € 194. The French should ask the question which bank to choose , decide to choose his new bank, yet they are only 3% of French to intend to change banks .

Why do you observe such a feeble desire to change the French? one in three French people is worried about change and does not want to make any effort to adapt to the functioning of an online bank. one in four French people is worried that an error will occur during a change of bank . We understand better why they are undecided when it comes to determining which bank to choose . But rest assured, the bank change process is reliable and secure.

With the new Macron law that facilitates bank switching within a maximum of 20 business days, the French are reassured and can identify which bank to choose with confidence. There is no reason to hesitate to open a bank account in an online bank. Intentions to change banks are multiplied by four. Thus, if all bank change procedures are supported by the bank, it is more than 12% (instead of 3%) of French people who are ready to change banks. Of the 12% of French people who want to change banks, 24% want to open a bank account in an online bank .

 

 

The Scottish craft beer brewer BrewDog is currently looking for – not only for German standards breathtaking – £ 25 million. In the first 20 days could be collected £ 5 million . That’s amazing even for BrewDog’s standards. In 2013, the boys needed six months to get a comparable amount of investors.

 

Founded in 2007 by Martin Dickie and James Watt, BrewDog is currently Britain’s fastest growing food & beverage brand. The company with 365 employees not only brews its own beer, but also sells it via its own sales channels such as the online shop and its own bars, 28 of which have already been opened worldwide. BrewDog beer is already exported to 55 countries today.

BrewDog as a blueprint for crowdfunding

 

BrewDog as a blueprint for crowdfunding

 

The fact that Scottish brewers can raise a lot of money from the crowd in short periods of time should set an example for other companies that are considering crowdfunding. In many ways, the case can also serve as a blueprint for your own campaign. BrewDog has a few features that make it easier for the company to raise money that other companies may not own.

First of all, BrewDog has a B2C business model in the consumer goods sector , which means a high level of crowdability . This, of course, is a quality that other companies can not easily adopt. The business model should not have to change because of the desired refinancing type. It also helps that Martin and James like to be rebellious, for example, by advertising crowdfunding financing and wanting to get involved with the traditional finance industry :

“Crowdfunding should no longer be seen as a niche alternative, but a proven, workable option for those libertines and change-makers who want to shake up the status quo.”

Both are well received by crowd investors. The rebellion must already fit the concept of the company. If the German Post suddenly came back rebellious, that would hardly attract (positive) attention.

 

BrewDog as a financial investment

 

BrewDog as a financial investment

 

As far as the naked numbers are concerned, BrewDog has some positive points on its side. They have grown rapidly over the last few years. In 2014, it was 64% in sales. It is foreseeable that the company will continue to grow. Alone because the two Scots are absolutely on the marketing side. For evidence, see here , here or the pitch for the current campaign . I knew this then very small Scottish brewery because of its marketing before I ever saw or drank a BrewDog beer. The associated brand and its own distribution channels also speak for BrewDog. The expansion into America, for which an own crowdfunding campaign is already in the starting blocks, also stimulates the imagination.

The key question is: will it be worthwhile for an investor to have bought for the price today? With a price of £ 47.50 per share, BrewDog is currently valued at £ 305 million. For a company with a turnover of £ 29.6 million in the past financial year, this is a hefty price tag despite growth rates of around 70%. The fact that the company has not described financial planning in the prospectus (or anywhere else) does not necessarily give you a better basis for the valuation.

 

Further incentives for investment

 

Further incentives for investment

 

The fact that BrewDog has already conducted three crowdfunding rounds and tied in a crowd of more than 12,000 investors through its own investor side has enabled it to launch its own funding on the investor’s homepage in addition to the ” official funding ” on CrowdCube. The founders also use the network of investors and offer a very comprehensive referral program. From five recommendations you get a book and three bottles of an exclusive Milk Stout. Subsequent levels 10, 20, and 40 referrals each receive the previous level package and two additional rewards. The ten investors with the most recommendations get the full BrewDog package and the currently strongest beer in the world, The End of History .

How the prospectus creates transparency about how the funds are used also convinces me. It describes how the funds are to be used and also in which order the projects will be realized (or which projects will not be implemented if the full £ 25m do not come together). Each project and its benefits will be described separately in the Prospectus.

The (in my opinion) decisive incentive to invest, however, are the perks : £ 10 Beer-Bucks (money that can only be used in BrewDog bars), a birthday beer per year, discounts in the online shop and bars, invitation to HV and, depending on the size of the investment, you become a member of the beer club Abstract Addicts and receive a free subscription to the Equity Punks BottleBox Beer Club for a year. The whole thing makes sense, of course, if you like the beer too. After my trip to the craft beer festival in Frankfurt in September, I can definitely answer that for me with yes !

Conclusion

 

BrewDog can prove financially a good investment, but it does not have to. The probability does not seem high enough for me to invest under normal circumstances. However, I decided to draw the stock to participate in the BrewDog project and to accompany the boys on their journey. An investment in BrewDog is shopping in a culture and an attitude. Besides, I think I’ll get at least a big part of my investment over the perks. Here I just allow myself to use the fun investor in me.

Much more important than the question of whether the investment is worthwhile, however, is that BrewDog shows how money can be collected by the crowd in an intelligent way. What is your attitude towards BrewDog and its crowdfunding? Will you invest? 

 

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