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What Are Stakeholders? Definition, Types, and Examples
A stakeholder is an individual or a group of individuals with an interest, often financial, in the success of some venture. The primary stakeholders in a corporation include its investors, employees, customers, and suppliers.
With increasing attention on corporate social responsibility, the concept of stakeholder has been extended to include communities, governments, and trade associations.
Key Takeaways
- A stakeholder has a vested interest in a company and can affect or be affected by its operations and performance.
- Stakeholders may include investors, employees, customers, suppliers, communities, governments, and trade associations.
- An entity’s stakeholders may be internal or external to the organization.
- The public may also be construed as a stakeholder in some cases.
Understanding Stakeholders
Stakeholders can be internal or external to an organization. Internal stakeholders are people whose interest in a company comes through a direct relationship, such as employment, ownership, or investment.
External stakeholders do not directly work for or with a company but are affected by the actions and outcomes of the business. Suppliers, creditors, and public interest groups are all considered external stakeholders.
Fast Fact
Stakeholder capitalism is a business concept that maintains that companies should serve the interests of all of their stakeholders, not only their shareholders.
Stakeholder Examples
Internal Stakeholder
Investors are internal stakeholders who are significantly affected by a company and its performance.
If, for example, a venture capital firm decides to invest \$5 million in a technology startup in return for 10% equity and significant influence, the firm becomes an internal stakeholder of the startup.
The return on the venture capitalist firm’s investment hinges on the startup’s success or failure, meaning that the firm has a vested interest.
External Stakeholder
External stakeholders do not have a direct relationship with the company but may be affected by its operations.
When a company goes over the allowable limit of carbon emissions, for example, the town in which it is located is considered an external stakeholder because its residents may be harmed by the increased pollution.
External stakeholders in some cases can have a direct effect on a company. The federal government, for example, is an external stakeholder. A policy change on carbon emissions affects the operations of any business that burns a significant amount of fossil fuel.
Issues Concerning Stakeholders
A common problem is that the interests of various stakeholders may not align. In fact, they may be in direct conflict.
For example, the primary goal of a corporation, from the perspective of its shareholders, is often considered to be the maximization of profits to enhance shareholder value.
Labor costs are unavoidable for most companies, but a company may seek to keep them under tight control.
This is likely to upset another group of stakeholders—its employees. The most efficient companies successfully manage the interests and expectations of all of their stakeholders.
It is a widely held myth that public corporations have a legal mandate to maximize shareholder wealth. In fact, there have been several legal rulings, including by the Supreme Court, clearly stating that U.S. companies need not adhere to shareholder value maximization.
Stakeholders vs. Shareholders
All stakeholders are bound to a company by some type of vested interest, usually for the long term.
A shareholder is a stakeholder with a financial interest in a company due to their ownership of a company's stock.
However, shareholders can sell their stock; they do not necessarily have a long-term need for the company and can usually get out at any time and reduce their losses.
Other stakeholders cannot necessarily make such an exit. The vendors in a company’s supply chain might suffer if the company limits production and reduces or eliminates its services. Employees of the company might lose their jobs.
What Are the Different Types of Stakeholders?
Examples of important stakeholders for a business include its shareholders, customers, suppliers, and employees.
In recent years, it has become common to consider a broader range of external stakeholders, such as the government of the countries in which the business operates or the public at large.
Are Some Stakeholders More Important Than Others?
When a business fails and goes bankrupt, there is a pecking order among various stakeholders of who gets repaid for their capital investment.
Secured creditors are first in line to be repaid. They are followed by unsecured creditors, preferred shareholders, and finally owners of common stock (who may receive pennies on the dollar, if anything).
Clearly, not all stakeholders have the same status or privileges. Workers in a bankrupt company can be laid off without any severance.
What Are the Stakeholders in a Business?
Stakeholders in a business include any entity that has a vested interest in a company’s success or failure.
First, there are the owners of the business. These can include hands-on owners as well as investors who have passive ownership.
If the business has loans or debts outstanding, the creditors (including banks or bondholders) will be the second set of stakeholders in the business.
The employees of the company are a third set of stakeholders, along with the suppliers who rely on the business for their income.
Customers, too, are stakeholders who purchase and use the goods or services that the business provides.
Are Stakeholders and Shareholders the Same?
Although shareholders are an important type of stakeholder, they are not the only stakeholders. Other stakeholders include employees, customers, suppliers, governments, and the public at large. In recent years, there has been a trend toward thinking more broadly about who constitutes the stakeholders of a business.
The Bottom Line
Stakeholders are individuals, organizations, or other entities that have a vested interest in the success or failure of a company or other endeavor.
Stakeholders can be internal or external and range from customers and shareholders to communities and even governments.
2025-07-24 · 3 months ago0 0131How Smart Buyers Are Getting Homes in 2025 With Just 3% Down
Imagine this—you’ve finally found the perfect home. The open kitchen, the sunny backyard, and just the right neighborhood. You’re ready to make an offer, but one thing is still unclear: how much down payment do you need for a house?
and You’ve probably heard it a hundred times: “You need 20% down to buy a house.” But is that really true? How much down payment do you need for a house in today’s market? Whether you’re a first-time homebuyer in the U.S., someone relocating for a job, or finally ready to stop renting, the house down payment is likely the biggest obstacle between you and your dream home.
This article breaks down everything you need to know about making a down payment on a house, how much is actually required, and what smart buyers are doing in 2025 to make the leap into homeownership faster than ever.
What Is a House Down Payment?
A down payment for a home is the portion of the property price you pay upfront when buying a house. The rest is usually financed through a mortgage. This one-time payment reduces the amount you borrow and affects your monthly mortgage payment, loan type, and even your interest rate.
How Much Down Payment for a House in 2025? (It’s Not What You Think)
When most people think about buying a house, they assume they’ll need a 20% down payment. But here’s the truth in 2025: you may not need nearly that much—and in some cases, you might not need a down payment at all.
1 - Traditional 20% Rule: Yes, putting 20% down can help you avoid paying for private mortgage insurance (PMI), and it reduces your monthly payments. But it’s not a requirement.
2 - Average Down Payment in 2025: According to recent housing market data, the average down payment for first-time buyers in 2025 is around 6% to 7%, not 20%. For repeat buyers, it’s usually a bit higher—about 13%.
3 - Low Down Payment Loans:
- FHA Loans: As low as 3.5% down if your credit score is 580 or higher
- Conventional Loans: Many lenders now accept 3% to 5% down, especially for first-time buyers.
- VA and USDA Loans: 0% down payment options for eligible buyers, including veterans and rural homebuyers.
4 - Down Payment Assistance: In 2025, many state and local programs still offer grants, forgivable loans, and matched savings plans to help with your down payment and closing costs.
So what does this mean for you?
If you’ve been putting off buying a home because you think you need tens of thousands of dollars upfront, it’s time to take a second look. The rules have changed, and you might already be closer to homeownership than you think.Here's a breakdown of the most common loan types:
You don’t need 20% down. In fact, the average down payment on a house in the U.S. in 2025 is around 7–12%, according to Zillow and Freddie Mac data.
Why the 20% Myth Still Exists
The 20% figure comes from the idea of avoiding private mortgage insurance (PMI), which lenders require if your down payment is less than 20%. But PMI is not necessarily a bad thing—it can be temporary and often costs less than renting while you wait years to save more.
Let’s explore the pros and cons:
Buying with a Lower Down Payment
Faster entry into the housing market , cash left over for renovations, emergencies, or investments and Possible to qualify with down payments as low as 3%
Downsides to a Lower Down Payment
PMI adds to monthly costs , higher loan amount = more interest over time and more scrutiny from lenders (higher credit score needed)
How Down Payment Affects Buying Power
Let’s say you're buying a home worth $350,000:
You can see that even a small increase in your down payment can significantly lower your monthly costs—but it’s not always necessary to wait.
Can You Buy a House With No Down Payment?
Yes—if you qualify.
1- VA Loans (for military service members and veterans): 0% down.
2- USDA Loans (for rural areas): 0% down, though income limits apply.
3- Local or state programs: Many states offer first-time homebuyer assistance, including grants and forgivable loans.
Use tools like HUD.gov or contact a local mortgage lender to explore down payment assistance programs near you.
How to Afford a Down Payment Faster
1. Automate Your Savings Set up a high-yield savings account and automate deposits. Even $100/week adds up quickly.
2. Use Windfalls Wisely Tax refunds, bonuses, or side-hustle income? Put it directly into your house fund.
3. Cut Unnecessary Subscriptions Streaming services, gym memberships, and food delivery can eat away at your down payment fund. Track your spending with apps like Mint or YNAB.
4. Look Into Gifted Down Payments Many lenders allow family to help with your down payment, as long as you follow proper documentation rules.
Final Thoughts: Should You Wait or Buy Now?
If you're wondering, "Should I wait until I have 20% down?" here’s the truth:
In most cases, buying with a smaller down payment makes more sense than waiting years and watching prices rise.
By the time you save another $20,000, that dream house may cost $50,000 more.
Instead of aiming for perfection, aim for progress. Work with a trusted mortgage advisor, understand your financing options, and choose a home that fits both your budget and lifestyle goals.
You can visit the BYDFi platform to learn more about investments and successful ways to live a successful life.
2025-07-07 · 4 months ago0 0131Worried About Condo Insurance Rates? Here’s How to Pay Less
condo insurance costs :
Owning a condo is a dream come true for many, but the hidden costs—like condo insurance cost , can catch you off guard. If you’re searching for answers to questions like “How much does condo insurance cost?” or “What’s the average condo insurance rate?”, you’re in the right place. This guide dives deep into condo insurance rates, breaks down the cost of condo insurance, and shares insider tips to help you save big while protecting your home.
Whether you’re exploring options or ready to make a decision, let’s uncover everything you need to know about condo insurance costs in 2025.
Why Do You Need It?
Before we dive into the cost of condo insurance, let’s clarify what it covers. Unlike homeowners insurance, condo insurance (also called HO-6 insurance) protects your personal belongings, interior walls, fixtures, and liability within your unit. The condo association’s master policy typically covers shared areas like hallways or the building’s exterior, but it won’t cover your personal space. That’s where condo insurance steps in.
Without it, you’re at risk of paying out of pocket for damages from fires, theft, or even lawsuits if someone gets injured in your unit. Knowing the average condo insurance cost helps you budget for this essential protection.
The Real Cost of Condo Insurance in 2025
Average Condo Insurance Cost in the U.S. (2025)
According to current insurance data, the average condo insurance premium in the U.S. in 2025 ranges from:
- $400 to $750 per year
- That’s roughly $35 to $65 per month
Factors That Affect Condo Insurance Cost
Here’s a breakdown of what influences your condo insurance premium:
1. Location
- High-risk areas (e.g., flood zones, hurricane-prone coasts, urban areas with high theft rates) typically mean higher premiums.
- States like Florida, Louisiana, and California often have higher rates due to natural disasters.
2. Coverage Amount
- Dwelling coverage: Protects interior structures like walls, floors, and built-ins.
- Personal property: Covers your belongings.
- Liability protection: Covers legal expenses if someone gets injured in your condo.
- The more coverage you choose, the more you pay.
3. Deductible
- A higher deductible means lower monthly premiums, but more out-of-pocket cost during a claim.
- Most deductibles range from $500 to $2,000.
4. Building Structure & HOA Policy
- Some condo associations cover certain parts of the structure (e.g., exterior walls), which may reduce what you need to insure.
- Always check your HOA’s master insurance policy to avoid overpaying for duplicate coverage.
5. Claims History
- If you’ve filed multiple claims in the past, your rate may increase.
6. Safety Features
- Smoke detectors, alarm systems, deadbolts, and sprinkler systems can help lower your premium.
Example:
How to Lower Your Condo Insurance Costs
Worried about high condo insurance costs? Here are actionable tips to slash your premiums without sacrificing coverage:
- Shop Around: Compare quotes from at least three insurers. Online tools make it easy to find competitive condo insurance rates.
- Bundle Policies: Combine your condo and auto insurance for discounts of up to 20%.
- Raise Your Deductible: Increasing your deductible from $500 to $1,000 can lower your premium by 10–15%.
- Improve Security: Install smoke detectors, deadbolts, or a security system to qualify for discounts.
- Ask About Discounts: Some insurers offer savings for retirees, non-smokers, or loyal customers.
- Review Coverage Annually: As your condo’s value or association policy changes, adjust your coverage to avoid overpaying.
Final Thought:
Condo insurance might seem like just another bill—but it’s a powerful shield that protects your space, your belongings, and your peace of mind.
While the average condo insurance cost in 2025 falls between $400 and $750 per year, your individual rate depends on where you live, how much coverage you need, and how wisely you shop.
Whether you're buying your first condo or looking to save on a renewal, don’t settle for the first quote. Compare, customize, and claim the discounts you’re entitled to. And most importantly, make sure you fully understand your HOA’s master policy so you're not over- or under-insuring your home.
You can visit the BYDFi platform to learn more about investments and successful ways to live a successful life.
2025-07-15 · 4 months ago0 0131Blum Listing Date: What Crypto Traders Are Desperately Searching For ?
Are you among the thousands of crypto traders around the world holding your breath for the Blum listing date? You are not alone! Anticipation of the Blum airdrop listing date has reached a fever pitch, with people from all over the world – seasoned investors to crypto beginners – wanting to snatch what looks to be a money-making opportunity. This article cuts through the noise and speculation to provide you with the key information you're eagerly awaiting, and addresses your most important questions regarding how to trade this potentially game-changing event.
The Blum project has been generating a great deal of buzz, particularly among those who've been actively participating in its airdrop program. The idea of a new exchange platform designed for user friendliness and accessibility has been popular, particularly in regions where conventional crypto exchanges are hampered by regulatory hurdles. But the million-dollar question is: when is Blum coin listing date? And how can you best position yourself to take advantage of it? Let's see.
What is Blum, and why is everyone talking about it?
Blum is a new crypto exchange aiming to simplify the trading experience, particularly for users accessing it through mobile devices. What sets it apart is its unique approach to token listings, promising access to a wide range of cryptocurrencies, including those often harder to find on mainstream exchanges. The Blum team has been actively promoting its platform through airdrops, incentivizing early adoption and building a strong community. This has naturally led to immense interest in the Blum listing date.
When is the Blum listing date?
This is the question on everyone's mind, right? Unfortunately, as of now, there is no official, confirmed Blum listing date. The Blum team has been tight-lipped about the exact timeline, fueling speculation and generating a sense of urgency among those eager to participate. The best approach is to follow Blum's official channels for announcements and avoid relying on unverified sources, particularly those circulating on Telegram groups or unofficial websites.
What can we learn from Blum’s official website regarding the listing?
The Blum listing date official website offers limited concrete details about the exact listing timeline. Typically, official websites provide timelines or roadmap that can be analyzed to project dates of launch. While there is a launch date, it is best to not depend on that launch and always keep and ear on any new developemnts. Users are encouraged to follow their offical websites for the latest details. As any changes are made to the official website or roadmap, it is wise to review the website often.
What is the Blum airdrop listing date, and how can I participate?
The Blum airdrop listing date refers to the date when the tokens earned through the airdrop program will become tradable on the Blum exchange (or potentially other exchanges). To participate in the airdrop, you need to have followed Blum’s instructions, which typically involve tasks such as joining their social media channels, inviting friends, and engaging with their platform. Ensure you’re using verified links to avoid scams and phishing attempts, which are common in the crypto space. It's important to note that participating in the airdrop does not guarantee immediate riches, but it does position you to potentially benefit from the Blum listing date.
Where can I find reliable information about the Blum airdrop listing date on Telegram?
Telegram can be a valuable source of information, but it’s also rife with misinformation and scams. If you're seeking updates about the Blum airdrop listing date Telegram, stick to the official Blum Telegram channel. Verify its authenticity and be wary of unofficial groups claiming to have insider knowledge. Always cross-reference information with other sources before making any decisions, and never share your private keys or personal information on Telegram or any other unverified platform.
What factors will influence the Blum listing date and price?
Several factors could impact the Blum listing date and the initial price of its token. These include:
- Overall Market Sentiment: The broader crypto market trends will undoubtedly play a role. A bullish market could create a more favorable environment for the Blum listing.
- Adoption Rate: The number of users actively using the Blum platform will influence its perceived value.
- Exchange Listings: Whether Blum secures listings on larger, more established exchanges could significantly boost its visibility and trading volume.
- Regulatory Developments: Changes in crypto regulations could have both positive and negative impacts.
The Blum project is undoubtedly one to watch. While the exact Blum listing date remains a mystery, staying informed, following official channels, and exercising caution will put you in the best position to navigate this exciting development.
Looking to refine your trading knowledge? Be sure to check out BYDFi to learn more!
2025-06-17 · 5 months ago0 01312025 Bull Run Alert: Could MAGIC Coin Become the Next GameFi Giant?
MAGIC Coin Price Prediction 2025: Could This AI Crypto Explode 10x and Make You Rich Overnight?
If you are like me, constantly checking exchanges in the middle of the night, scrolling through your portfolio, wondering which altcoin could be the next massive winner, then you have probably typed “MAGIC coin price prediction” into Google more times than you can count. Perhaps you are a beginner in the US with $100 in your Coinbase wallet, or a seasoned trader in Europe frustrated by the volatility of the euro against the dollar. Whatever your situation, the buzz around MAGIC coin is impossible to ignore. This token is not just another speculative asset; it is powering AI-driven games and metaverses, and it is gaining significant attention during the 2025 bull run.
As someone who has been deeply involved in cryptocurrency since the 2021 boom—and survived the inevitable crashes—I understand the emotions behind investing: the fear of missing out when prices skyrocket, the regret of selling too early, and the constant search for reliable news. Today, we will explore MAGIC coin in depth, analyzing its ecosystem, latest developments, and potential price forecasts. By the end, you will have actionable insights to decide whether it’s time to buy, hold, or step aside.
What is MAGIC Coin? Understanding the Crypto Behind the Magic
MAGIC coin, officially known as the MAGIC token, is part of the Treasure ecosystem. Unlike meme coins or generic DeFi tokens, MAGIC serves as the fuel for an AI-powered entertainment universe, combining gaming, NFTs, and autonomous agents.
Treasure is building a metaverse where AI agents—smart NFT-based bots—can interact with users, play games, and even trade crypto autonomously on-chain. The MAGIC token powers every interaction within this ecosystem. From purchasing in-game assets to staking for rewards, it has practical utility beyond speculative trading.
MAGIC has a maximum supply of 347 million tokens, with deflationary mechanics built-in. A small portion of fees from transactions is burned, reducing the circulating supply over time. This scarcity mechanism adds a potential long-term value proposition for holders.
For traders using fiat currencies, the current price of MAGIC hovers around $0.21, with a market capitalization of roughly $66 million, ranking it #269 on Coinbase. Its presence on Tier-1 exchanges makes it accessible for global investors while still small enough to allow for explosive growth.
The name MAGIC reflects its core concept: blending blockchain technology with AI in a way that transforms passive investment into interactive engagement. For European traders worried about high Ethereum gas fees, MAGIC’s deployment on Arbitrum keeps transaction costs under $0.01, removing a common barrier to adoption.
Why 2025 Could Be a Breakout Year for MAGIC
Recent developments have positioned MAGIC coin at the forefront of AI-driven crypto gaming. Treasure recently unveiled a roadmap that includes an AI Agent Marketplace, Smolworld—a Tamagotchi-style AI pet game—and expansions to Bridgeworld Canopy. These projects are currently in beta and attracting thousands of daily users.
The rise of AI agents is one of the hottest trends in 2025. MAGIC powers Neurochimp, a framework for NFT agents that can evolve, trade autonomously, and even participate in crypto games to earn rewards. Imagine a digital sidekick earning passive income for you while you sleep. With scalable technology, millions of users can benefit without network lag.
MAGIC has already demonstrated explosive growth potential. Last July, it surged 50% in a single day during a wave of Web3 gaming hype. A few weeks later, it rallied 65% in one week, fueled by a revival in GameFi activity, with trading volumes reaching $38 million in 24 hours. Rumors of partnerships with major wallets like MetaMask and potential listings on other exchanges have also contributed to growing investor optimism.
For context, European traders in high-tax countries may enjoy capital gains benefits from staking rewards, while U.S. investors have straightforward IRS reporting on platforms like Coinbase. Despite the positive news, it’s crucial to remember that crypto remains volatile, and investors should always perform their own research (DYOR).
MAGIC Coin Price Prediction 2025
The big question: Could MAGIC coin become a 10x investment? Analysts have mixed opinions, but current sentiment is bullish. The Relative Strength Index (RSI) stands at around 60, indicating room for growth, and the 200-day Simple Moving Average (SMA) points to a long-term uptrend.
Bull Case Scenario: If Bitcoin reaches $100K and Web3 gaming adoption surges to over 1 million Smolworld users, MAGIC could experience a massive price increase. CoinLore’s high estimate of $2.47 assumes strong ecosystem growth and strategic partnerships. For a $1,000 portfolio, this could result in gains exceeding $10,000
Bear Case Scenario: Regulatory crackdowns on NFTs, delayed product launches, or a broader market correction could push MAGIC down to $0.15, representing a short-term loss. CoinCodex warns of a potential -25% drop if sentiment shifts negatively.
Realistic Outlook: The average price is likely around $0.44, based on Binance data, with key support at $0.20 and resistance between $0.30–$0.34. Major factors influencing price include new game releases, AI-driven hype, and Bitcoin’s performance, with an estimated 80% correlation to MAGIC’s price movement.
Pros and Cons of Investing in MAGIC
Pros:
1- AI + Gaming Integration: Unlike meme coins, MAGIC has real utility in an interactive ecosystem. Smolworld alone could attract 100,000 new users each quarter.
2- Affordable Entry: At $0.21 per token, beginners can participate easily. Staking on Treasure DAO offers 10–15% annual yields in MAGIC.
3- Exchange Access: Available on Binance (USDT pairs) and Coinbase (USD), providing easy fiat access for traders worldwide. BYDFi also offers a simple and secure way to buy MAGIC with competitive fees.
4- Deflationary Mechanism: Token burns on transactions create scarcity, which may support long-term price appreciation.
Cons:
1- High Volatility: Past surges of 50–65% are often followed by significant corrections. Not suitable for risk-averse investors.
2- Competition: MAGIC faces rivals like GALA and IMX in GameFi. Success depends on ecosystem adoption.
3- Regulatory Risks: NFT regulations in the US and EU could slow growth. Local compliance should be checked.
4- Technical Challenges: AI agents require substantial computing resources, which could affect scalability.
For day traders, volume spikes indicate potential short-term gains, while long-term investors may prefer dollar-cost averaging.
How to Buy MAGIC Coin
Whether you are funding via USD, EUR, or other fiat currencies, here’s a step-by-step guide for beginners and advanced traders alike:
1- Choose an Exchange: For low fees and liquidity, Binance is recommended. Coinbase is suitable for U.S. compliance. BYDFi is another excellent choice for secure global trading. Complete the KYC process—it takes only 5 minutes.
2- Deposit Funds: Link your bank account or purchase USDT with a credit/debit card. MoonPay can provide instant fiat-to-crypto conversions.
3- Trade MAGIC: Search for the pair MAGIC/USDT and buy at market price or set limit orders below $0.20 to catch dips.
4- Secure Your Tokens: For long-term storage, transfer to a hardware wallet like Ledger and enable 2FA.
5- Stake or Play: Use Treasure’s dashboard to stake tokens for rewards, or engage in Smolworld gameplay for fun and potential earnings.
Total fees typically range from 1–2%. Experienced traders can also use BYDFi or Bybit for leveraged trades but must be aware of liquidation risks.
Final Thoughts
MAGIC coin is not a get-rich-quick scheme. It represents a calculated investment in AI and gaming innovation within the Web3 space. With price forecasts pointing to $2+ by the end of 2025 and ongoing developments such as the AI Agent Marketplace, there is substantial potential upside. For U.S. traders aiming for USD gains or EU investors seeking to hedge against inflation, allocating 5–10% of a portfolio to MAGIC is reasonable—but only money you can afford to lose.
Start small, monitor on-chain metrics like burn rates, and engage with the Treasure community on Discord for insider updates. The metaverse is expanding rapidly. MAGIC coin might just be the digital key to that future.
2025-09-17 · 2 months ago0 0130
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