SAFE Agreements: A Simple Summary For Investors
Asset Scholar
by Josh Heier
1d ago
Key Takeaways SAFE Agreements Simplify Fundraising: Offers a straightforward and efficient way for startups to raise funds without the complexities of traditional equity financing, benefiting both founders and investors. Post-Money Valuation Enhances Transparency: The introduction of post-money agreements by Y Combinator in 2018 provides greater clarity and predictability regarding ownership percentages and dilution. Flexible Conversion Terms: SAFEs can convert into equity based on valuation caps, discount rates, or a combination of both, allowing investors to benefit from favorable terms a ..read more
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What Is Survival Bias And How Can It Lead To Investing Mistakes?
Asset Scholar
by Josh Heier
4d ago
Table Of Contents Startup Investing Setting The Trap Survivorship Bias How Does This Relate To Investing? Conclusion Startup Investing There are a lot of reasons to be excited about equity crowdfunding and the increased accessibility of investing in private companies. One, it provides avenues for impact investing. A collection of retail investors can turn many small capital contributions into significant support for a founder, business, mission, or problem that needs solving. Two, more avenues for raising funds also means that a more diverse range of founders and companies have a shot at ..read more
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Is This Now The Biggest Threat To Music Royalties?
Asset Scholar
by Josh Heier
1M ago
Key Takeaways Generative AI has already been used to create “deepfake” songs. These songs have been convincing or satisfying enough to gather millions of streams and views on platforms like Spotify and TikTok. The music industry is trying to contain the fallout, but digital media platforms are reluctant partners and AI is raising novel legal questions. It’s unclear how this affects the asset class in the long term, but it is a risk. Table Of Contents Generative AI Deepfakes What Should The Music Industry Do About AI? How Does AI Affect The Future Of Music? Conclusion Frequently Asked ..read more
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Is Farmland Really A Hedge Against Inflation?
Asset Scholar
by Josh Heier
2M ago
One of the often-touted values of farmland as an investment is that it provides a hedge against inflation. This is, in theory, due to the fact that the value of farmland rises during periods of elevated inflation. Thus, an investment portfolio that includes farmland would see better performance and less volatility when inflation rises than one without it. So, is it true? In short, it seems to check out. However, more recent history suggests the benefits may be somewhat overstated. Table Of Contents What Is “Inflation”? Why We Care About Core CPI What Is Core CPI Anyway? So, Is Farmland An I ..read more
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TikTok Vs UMG – Here Is What Caused This Gigantic Battle
Asset Scholar
by Josh Heier
3M ago
The title “Star Wars” flashes across the screen, while the iconic crawl scrolls across your screen. In your ears you hear that familiar, and exhilarating… silence!? Not quite the same, is it? The Time To Fight Is Now Welcome to Music Wars. On many levels, nothing here is new, though the battlegrounds have changed considerably over the past few years. Universal Music Group (UMG) recently took what may be seen as a dramatic step by many. They pulled their songs from TikTok. Drake, Taylor Swift, the Weekend, and more are now unavailable on the platform. As Billboard reports, t ..read more
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This Is What I Think Killed “Here”
Asset Scholar
by Josh Heier
3M ago
Here is one of the first platforms I ever wrote about, so I have followed it closely for the past 1.5 years. Here’s my view into what happened. Table Of Contents Building Here Problems With Here's Real Estate Platform 1. Low Offering Success Rate 2. Unique No More 3. A Tenuous Business Model Property Management Fee – Execution Issues Sourcing Fee – Overreliance Conclusion – Outgunned & Outmaneuvered 4. Poor Expense Management What About The Wefunder Funds? Conclusion – The End Of Here Building Here Here Investments Inc. incorporated on February 22, 2021. One year later, in Feb ..read more
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EquityMultiple: How To Make Simple Commercial Real Estate Investments
Asset Scholar
by Josh Heier
3M ago
EquityMultiple provides a simple platform for accredited individuals to invest in commercial real estate for as little as $5000, with a range of products serving several different investment objectives. We have a comprehensive walkthrough for you below, if you’d like to learn more. Table Of Contents What Is EquityMultiple? Investment Opportunities at EquityMultiple Investor Suitability for EquityMultiple Understanding Fees on EquityMultiple Potential Returns & Liquidity with EquityMultiple Navigating the EquityMultiple Platform Concluding Thoughts on EquityMultiple FAQ About EquityMult ..read more
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How Do Population Growth And Real Estate Appreciation Relate?
Asset Scholar
by Josh Heier
4M ago
Originally sent to newsletter subscribers on January 8th. Does a population boom automatically translate into skyrocketing real estate prices? In our first data-oriented newsletter post, we’ll take a closer look. All the data used in this analysis are from the US Census Bureau and Zillow covering the period of 2000-2023. Population Hot Spots A heat map of population growth by US state, as the percentage increase from 2000 to 2023. Population has changed a lot over the past 23 years, but the effects are far from uniform. The Northeast and Rust Belt states generally saw anemic growth ..read more
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Terms
Asset Scholar
by Josh Heier
4M ago
There are a variety of important terms for understanding alternative investments. You can find more information about some of the most important ones here. Table Of Contents A B C D F G K L M N P R S V A Accredited Investor An investor or entity that meets certain criteria defined by the SEC. These are generally based on income, assets, or knowledge. Accredited investors have greater access to alternative investments. Read More After Repair Value (ARV) After Repair Value (ARV) is a term used in private credit opportunities for real estate. These are loans for “fix and flip” proje ..read more
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Is This Now The Biggest Threat To Music Royalties?
Asset Scholar
by Josh Heier
4M ago
Originally sent to newsletter subscribers on December 11th. In Comes Generative AI The emergence of ChatGPT just over a year ago has kicked off a tsunami of generative AI content that no one was really quite prepared for. Like other creative mediums, music has not been spared. In April, a new single from Drake and The Weekend began trending. It reached 600K streams on Spotify, 15M views on TikTok, and nearly 300K views on YouTube before being removed. You see, that single wasn’t actually from either artist. It was created by “Ghostwriter ..read more
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