Tag Archives: Investment

63. The Importance of Managing Your Own Personal Finances as a Founder

Personal Finance, , , , , , , ,

As a founder, it can be challenging to know when to make the shift from pouring every dollar you have into getting your startup off the ground to taking a few chips off the table to eventually paying yourself first. However, every business owner should begin to separate their own personal finances from the business as soon as possible for a few different reasons.

In this episode, Malcolm Ethridge sits down to discuss best financial practices for founders and how to know when it is time to begin to allocate your revenue to more personal goals. Malcolm runs through tools and tricks to grow your business and build sustainable financial habits for you and your business. 

Malcolm discusses: 

  • How to invest in your own business and build funds for your long-term goals
  • Counterbalancing your business’s high burn rate with low personal expenses
  • Reinvesting extra cash flow into retirement and diverse investments 
  • Protecting what you have built and your loved ones through insurance 
  • And more

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56. Incorporating Precious Metals Into Your Diversified Portfolio with Patrick Yip

Personal Finance, , , , , , ,

Historically, gold and other precious metals have been how we trade with one another across borders and globally. Gold bars were the original store value before there was such a thing as the US dollar. The gold standard was so consistent in its ability to maintain its value through varying economic cycles that we backed up our dollars with it. Incorporating precious metals into a diversified portfolio as a hedge against the volatility in both the stock and bond markets sounds like a good idea.

In this episode, Malcolm Ethridge speaks with Patrick Yip from APMEX about diversifying investment portfolios with precious metals. Patrick explains why precious metals are a favorable investment during hyperinflation and why so many Americans continue to put their money toward gold and silver despite the approaching cashless society. Patrick then discusses how his company, OneGold, allows people to invest in gold and silver effortlessly through their credit card rewards.

Patrick discusses: 

  • The types of precious metals APMEX sells and the various forms they are available in.
  • Why Americans should own and invest in precious metals in a time of hyperinflation
  • Why do Americans continue to invest in precious metals, even though we’re approaching a cashless society
  • How OneGold’s credit card lets you earn rewards in the form of gold and silver, rather than points or cash-back
  • And more

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About Our Guest:

Patrick Yip is the Director of Business Development at APMEX, and currently manages One Gold, a digital precious metal platform. Mr. Yip joined APMEX in 2011 and held roles in merchandising, sales, project management, and business development. Before APMEX, Patrick worked for asset management companies, and at Fortune 500s, such as Disney and Twentieth Century Fox. 

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34. The Importance of Negotiating Your Equity with Brooke Harley

Personal Finance, , , , , , , , ,

Unsure whether and how to ask for more equity when negotiating your new compensation package? The 30 minutes you spend negotiating your new employment agreement could change the course of your entire future, and negotiating for more equity can be the driving force for that change.

In this episode, Malcolm Ethridge sits down with Brooke Harley, Founder and CEO of Class Rebel, to shed light on compensation negotiations and explain ways to ask for more equity. Brooke discusses Class Rebel’s role in preparing their students and arming them with the foundational key terms and concepts that make up an equity agreement.

Brooke discusses: 

  • The potential long term impact of equity negotiations
  • The importance of understanding the basics of stock option plans and how they work
  • The value of seeking out a competing offer
  • Understanding what’s negotiable in an equity offer and what’s not
  • And more

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About Our Guest:

Brooke Harley is the founder and CEO of Class Rebel, an online class e-learning company that offers classes focused on wealth, building angel investing, and the basics of managing equity.

She also has an MBA in finance and earned a JD from York University before founding Class Rebel. Brooke has worked as a corporate attorney as well as a venture investor and startup board member.

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33. LatinX Representation in Tech and Venture Capital with Cheryl Campos

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Less than 1% of all professionals working in venture capital today identify as LatinX, and only 1.2% of LatinX founders had access to or received VC funding in the last year. However, there are several leaders in the finance and tech communities actively working to change that.

In this episode, Malcolm Ethridge sits down with Cheryl Campos, Head of Venture Growth and Partnerships at Republic and co-founder of VCFamilia, to discuss how her organizations and ones like them are working to level the playing field in tech and increase the levels of LatinX representation in venture capital.

Cheryl Campos discusses: 

  • Why opening up venture capital to other communities will not only diversify the startup funding landscape, but also lead to more diverse products being launched and brought to market
  • How Republic has supported over 600 underestimated founders by helping them find access to funding
  • The work that her organization, VC Familia is doing to create a community and a sense of belonging for Latinx professionals in venture capital
  • How other venture capital firms can get involved to help make sure that more diverse professionals are finding career opportunities in technology and finance 
  • And more

Resources: 

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About Our Guest:

Cheryl is passionate about the intersection of finance, technology, and social impact. She is the Head of Venture Growth and Partnerships at Republic, a one-stop-shop for founders to raise capital from both accredited and non-accredited investors. She is focused on introducing underrepresented founders to both traditional and alternative funding sources in order to help their startups thrive. In other direct investing roles, she is a scout for Lightspeed and an investment partner at The Community Fund. Cheryl is also one of the founders of VCFamilia, a community of Latinx VCs supporting current & emerging investors through collaboration.

Previously she worked as an analyst in a Connecticut-based private debt & equity firm with an emphasis on minority and women entrepreneurs. She started her career in Investment Banking at Barclays, working in the Financial Institutions Group and Structured Finance. She holds a BA in Economics with honors from Harvard University.

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30. Passive Investing in Farmland and Agriculture with Peter Badger

Personal Finance, , , , , , , , , ,

Whenever we think of investing in real estate, we tend to think of either single family homes, apartment buildings, office buildings, or maybe shopping malls. But rarely do we think of buying raw or developed land as a means to invest in real estate and enjoy all of the financial benefits that tend to come along with it.

But in fact, farmland is actually considered to be one of the least volatile investment vehicles available, when compared to other asset classes. 

In this episode, Malcolm Ethridge speaks with Peter Badger, Chief Strategy Officer at Farmfolio, to discuss how owning farmland is a way to diversify your investment portfolio in a way that is not directly correlated to the stock market. Peter discusses turn-key investing in farmland and how Farmfolio’s model can be an effective option for investors of all sizes.

Peter discusses: 

  • What advantages he saw in investing in farmland that has changed his career and overall investment strategy
  • The importance of climate, land quality, and labor for the crop success
  • Why large grocers are turning to their operation to supply their stores
  • How FinTech is challenging the status quo of market regulations and requiring innovation for the future
  • And more

Resources: 

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About Our Guest:

Peter is a full-time investor in real estate and agriculture for nearly a decade and recently joined the team at Farmfolio as their chief strategy officer. Prior to that, Peter spent 18 years working on Wall Street and a decade working in Silicon Valley where he co-founded Framehawk, an enterprise software company, which he sold to Citrix systems. He has helped lead some of the world’s premier companies including Barclays, Merrill Lynch, Morgan Stanley, and Credit Suisse. Peter is also a world traveler and has lived in Denver, Medellin, Puerto Rico, San Francisco, Hong Kong, New York, Valencia, and London.

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28. Malcolm’s 10 Financial Commandments

Personal Finance, , , , , , , ,

There is no shortage of thoughts and opinions out there when it comes to managing your personal finances and making smart money moves. However, not all financial advice is created equal. Some is meant to entertain, some is meant to inspire, and some is meant to educate.

In this episode, Malcolm Ethridge rips a few pages out of his highly anticipated book to give you a preview. In The 10 Financial Commandments, Malcolm focuses on educating the reader, by sharing some of his favorite practical rules about money, both learned and earned.

Malcolm discusses: 

  • How some pieces of conventional wisdom can lead you astray
  • How to make sure that you are being intentional when thinking about your money
  • How to build equity in a more efficient and valuable way
  • The importance of finding your tribe and having someone to help keep you on track
  • And more

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