Top 5 Best Creative Problem-Solving Techniques for Students.

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This post first appeared on Ayi Post. If you are a student, creative problem-solving techniques should be of high interest to you. Because in school, you're constantly solving problems, ranging from tackling tricky examination questions to managing group projects and finding time for everything including your personal well-being.  You might have realized that all school related problems are solved by memorizing formulas or following a rubric. Sometimes, you need to think differently. And that’s where creative problem-solving techniques come in. What are creative problem solving techniques? These are methods to help you generate fresh ideas, approach challenges from new angles, and find solutions when the “usual” ones- the ones you’re familiar with - don’t work. In this post, we’ll explore the top five best creative problem-solving techniques for you as a student, share real examples and tips you can start using today. Let’s  dive in.  Why do students need creative problem...
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Special Purpose Vehicle, SPV, Isn't Always Created To Commit Financial Fraud.

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What's the primary job of every entrepreneur? Take profitable risks, do everything legitimate to at least preserve capital when profit can't be made.


This job wouldn't be done when a business survives the volatile early stage, breaks even, enjoys profitability for few years and then goes bankrupt as a result of venturing into risky ventures. The going concern concept would be defeated. 


So, what long term business survival options do some entrepreneurs pick to preserve their assets when they go into volatile ventures? One of them is the Special Purpose Vehicle (SPV) also known as Spechial Vehicle Entity (SPE).


A special purpose vehicle or special purpose entity is defined as a subsidiary created by a parent company for a special purpose.


The special purpose most often, is to isolate a parent company from financial risk by providing securitization of assets 


The above is made possible by the fact that SPV has Its legal status as a separate company. This status makes its obligations to secure its assets in the eventuality of the parent company going bankrupt possible. This is why SPV is sometimes called a bankruptcy-remote entity.


As a subsidiary with a legal entity status, a SPV has its own distinct balance sheet ( a picture of its assets, liabilities and capital) that's often off the balance sheet of the parent company. This is where investors have a problem with SPV, as it could be exploited to hide losses

However, some businesses create SPV for one purpose, to aecuritize debt and give investors the assurance of repayment. And not always to commit financial fraud 


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