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Author: Joshua Rollins

The Commonalities Between Squirrels and Investors

by Joshua Rollins on October 21, 2020.

Here in the Upstate, tis the season for countless Eastern Gray Squirrels to busily bury, unbury, rebury and even lose track of diligently harvested acorns. While this peculiar behavior can stump even the most astute sciuriologist (trivia nugget #1), there’s a perfect (used loosely) connection to investor goals and outcomes. Nuturally, I expect you’ll want an explanation. Don’t worry; it’s not too tough a nut to crack.

The Different Types of Reg CF Offerings Explained

by Joshua Rollins on October 21, 2020.

Is it just me, or did every basketball coach ever go on and on about “back to basics” and “focus on the fundamentals,” as though Steph Curry hadn’t just inspired an entire generation to lob threes from half-court (and miss - because, you know, they’re not Steph).

The Move to Microinvesting

by Joshua Rollins on October 7, 2020.

Apps like Acorns have brought the phrase “micro investing” on the scene with their approach of rounding up to the next dollar whenever you spend money to invest in exchange-traded funds (ETFs). So your $3.78 latte would trigger $0.22 moving from your checking account to your Acorns account. While this function fits the connotation of...

How to tell an investing expert from a non-expert

by Joshua Rollins on September 23, 2020.

Investing can be complex. Building a smart investment strategy and risk management discipline takes work. But an investor is only deemed an expert based on one thing: track record; when someone can turn around and say, “Hey, look! It worked!”  This is the funny thing about tying “expertise” to the practice of risking capital into...

Unicorns & Workhorses

by Joshua Rollins on September 1, 2020.

Did you know that drinking from the horn of a unicorn might protect you from stomach trouble, epilepsy, or poison? This mythological horned horse/goat would fetch you quite the hefty price on the market.  Equally rare, a unicorn company is hunted by many investors to take them to a magical land of riches and royalty...

Profits, and Losses, and EBITDA…oh my!

by Joshua Rollins on August 19, 2020.

One of the main financial statements you can use to analyze a business is the Profit and Loss statement (aka the income statement, the P&L, or the statement of financial results). What does it do? The P&L measures the revenues, costs and expenses of a business over a period of time. You start at the...

Investor Insights: Debt vs. Equity Investments

by Joshua Rollins on August 5, 2020.

First, the disclaimer: If you can’t afford to lose 100% of your investment, then you shouldn’t invest – hard stop. Now the TLDR: When comparing the two, a debt investment can be less risky, provide regular paybacks, but also has less upside than an equity investment. If you are looking to make an equity investment...

Reasons to Invest Local with Regulation Crowdfunding

by Joshua Rollins on July 22, 2020.

If you’ve read our stuff before, you know Regulation Crowdfunding provides a new-to-you business investment opportunity. An avenue to invest local that has been suppressed since before the Great Depression is now yours for the taking! Breathe in all the freedom that can be packed into a phrase beginning with “regulation”. But it’s important to...

Transparency Builds Trust

by Joshua Rollins on June 30, 2020.

Transparency. Our final core belief is “transparency builds trust”. Among private equity partners, this is often encapsulated in phrases like “no surprises” or “give me bad news fast”. In Reg CF, this is usually “what could go wrong with investment X or company Y?”. For those interested in investing through Vicinity, it may be “where...

Explaining the Form C

by Joshua Rollins on June 3, 2020.

What is it? The Form C is the required SEC filing for any company looking to raise capital through Regulation CF. It needs to be filed before your campaign can go live and before any advertising about your offering takes place. As a potential investor, the Form C is a tool to evaluate the main...