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ccfath

Crowdfunding for Small Business Is Still an Unclear Path - NYTimes.com - 0 views

www.nytimes.com/...-is-still-an-unclear-path.html

CircleUp SoMoLend crowdfunding small business

shared by ccfath on 08 Jan 13 - No Cached
  • That big issue caused Mr. Caldbeck to leave his job to start CircleUp, a company that aims to connect up-and-coming consumer products companies with investors.
  • crowdfunding is a way for capital-starved entrepreneurs to receive financing that neither big investors nor lenders are willing or able to provide. To others, it represents a potential minefield that could help bad businesses get off the ground before they eventually fail, and in some cases could even ensnare unsophisticated investors in outright fraud.
  • SoMoLend, which lends money to small, Main Street-type businesses that typically wouldn’t interest private investors.
Janine Shea

Crowdfunding Efforts Draw Suspicion - WSJ.com - 0 views

online.wsj.com/...3783704578247380848394600.html

GroundUp Crowdfunding Market_Size_Growth

shared by Janine Shea on 22 Jan 13 - No Cached
  • Janine Shea on 22 Jan 13
     
    "the crowdfunding market could be worth $4.6 billion annually within five years"
ccfath

Public housing looks for outside investors | Marketplace.org - 0 views

www.marketplace.org/...ousing-looks-outside-investors

public housing investors Community-Level Urbanism Socially_Responsible_Investing

shared by ccfath on 10 Jan 13 - No Cached
  • Thursday afternoon in Savannah, Ga., the head of the Department of Housing and Urban Development will unveil a pilot program meant to address poor maintenance conditions at public housing developments across the nation. HUD’s idea?  Let outside investors fix them up.
  • The problem: Like tens of thousands of other subsidized developments, Tobie Grant Manor falls under Section 9 of the federal housing act. Any money to fix it up has to come from the government, and HUD says it’s about $26 billion short.
  • That’s why HUD Secretary Shaun Donovan says shifting properties like Tobie Grant Manor from Section 9 to Section 8 gives more options.  
  • ...2 more annotations...
  • Section 8 is different because it allows for private investors to front money for repairs and redevelopment. HUD then pays those developers back under a long-term contract. Donovan says the shift doesn’t cost taxpayers a penny extra.
  • In the first thirty days of the national pilot program, HUD has raised $650-million in private investments for housing authorities in 22 states.
  • ccfath on 10 Jan 13
     
    HUD looks to private investors for renovation and redevelopment of public housing projects.
ccfath

BlueKite Raises $1.5 Million To Help U.S. Immigrants Pay Bills Abroad - 0 views

techcrunch.com/...-s-immigrants-pay-bills-abroad

VC Venture Capital Funded

shared by ccfath on 10 Jan 13 - No Cached
  • BlueKite, a Miami-based platform for cross-border bill payments, is today announcing $1.5 million in new funding, led by PeopleFund, which contributed $1.3 million of the total raise.
  • The process for receiving approval is not simple, so Florida has served as a battleground for dealing with the regulatory and legal issues surrounding the set up of these cross-border payments. In Florida, the service has only be up-and-running for three weeks so far, but has already processed around 1,000 payments, averaging around $18.00 each, or around $20,000 in total transactions.
  • But for now, the company is targeting mom-and-pop shop cash stores, including Save Mart, Cash First (Naples) Agente, Atlantida, TipTopCashing, and others in Tampa and Miami.
Janine Shea

Creative class - Wikipedia, the free encyclopedia - 0 views

en.wikipedia.org/...Creative_class

GroundUp Customer_Segmentation Creatives Richard_Florida Rise_of_the_CC

shared by Janine Shea on 29 Dec 12 - Cached
  • It is composed of scientists and engineers, university professors, poets and architects, and also includes "people in design, education, arts, music and entertainment, whose economic function is to create new ideas, new technology and/or creative content”
    • Janine Shea
      Janine Shea on 29 Dec 12
       
      Customer segmentation variables
    • Janine Shea
      Janine Shea on 29 Dec 12
       
      Demographic - Occupation, Education, Location, Income, Social class Psychographic (LIFESTYLE) - Activities, Interests, Opinions (AIO Survey), Values, Attitudes Behavioral (towards PRODUCTS) - Benefits sought, Usage rate, Brand loyalty, Readiness to buy
  • Employers see creativity as a channel for self-expression and job satisfaction in their employees. About 38.3 million Americans and 30 percent of the American workforce identify themselves with the Creative Class.
  • cities which attract and retain creative residents prosper, while those that do not stagnate. This research has gained traction in the business community, as well as among politicians and urban planners. Florida and other Creative Class theorists have been invited to meetings of the National Conference of Mayors and numerous economic development committees, such the Denver mayor's Task Force on Creative Spaces and Michigan governor Jennifer Granholm's Cool Cities Initiative.[1]
  • ...14 more annotations...
  • members of the Creative Class value meritocracy, diversity and individuality, and look for these characteristics when they relocat
  • For a city to attract the Creative Class, he argues, it must possess "the three 'T's": Talent (a highly talented/educated/skilled population), Tolerance (a diverse community, which has a 'live and let live' ethos), and Technology (the technological infrastructure necessary to fuel an entrepreneurial culture)
  • “the Creative Class share of the workforce; innovation, measured as patents per capita; high tech industry, using the Milken Institute's widely accepted Tech Pole Index…; and diversity, measured by the Gay Index, a reasonable proxy for an area’s openness"
  • Creative workers are looking for cultural, social, and technological climates in which they feel they can best "be themselves".
  • active participation in a variety of experiential activities.
  • Street Level Culture
  • hard to draw the line between participant and observer, or between creativity and its creators”
  • interest in being participants and not spectators
    • Janine Shea
      Janine Shea on 29 Dec 12
       
      Don't be a tourist. Find the local in you.
  • 40 million workers—30 percent of the U.S. workforce
  • Super-Creative Core: This group comprises about 12 percent of all U.S. jobs. It includes a wide range of occupations (e.g. science, engineering, education, computer programming, research), with arts, design, and media workers forming a small subset. Florida considers those belonging to this group to “fully engage in the creative process” (2002, p. 69). The Super-Creative Core is considered innovative, creating commercial products and consumer goods. The primary job function of its members is to be creative and innovative. “Along with problem solving, their work may entail problem finding”
  • knowledge-based workers
  • Florida argues that the Creative Class is socially relevant because of its members' ability to spur regional economic growth through innovation (2002).
  • these usually require a high degree of formal education
Janine Shea

Endowment Style Investing | Franklin Square Capital Partners - 0 views

www.franklinsquare.com/...endowment-style-investing

Endowment Charitable_Trusts

shared by Janine Shea on 22 Jun 15 - No Cached
  • Why have endowments outperformed traditional investments?
  • The alternatives effect By investing in less liquid alternatives, endowments are typically able to construct a higher yielding portfolio with less correlation to the broader markets. The quality of the manager Illiquid, alternative investments are more difficult to evaluate than publicly traded securities. Skilled managers that are adept at taking advantage of pricing inefficiencies in illiquid securities will have a greater impact on returns than skilled managers operating in the public markets, where price inefficiencies are fewer in number and there is generally less return potential.
Janine Shea

Charitable remainder trusts | The University of Chicago Campaign: Inquiry and Impact - 0 views

campaign.uchicago.edu/...charitable-remainder-trusts

shared by Janine Shea on 22 Jun 15 - No Cached
  • If you use appreciated property to fund the trust, you avoid capital gains tax liability on the transaction, the beneficiary’s income may be taxed at ordinary and capital gains rates, and some income may be tax-free.
    • Janine Shea
      Janine Shea on 22 Jun 15
       
      When is the beneficiary's income taxed at ordinary and capital gains rates VS. tax-free??!
  • the endowment may outperform other investment strategies over the long term
    • Janine Shea
      Janine Shea on 22 Jun 15
       
      WHY OUTPERFORM??
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