Jonathan Mills Patrick

life story

I'm going back to my roots

I'm returning to my financial roots with the goal of helping others become financial free

non-dilutive capital

The Power of Non-Dilutive Capital

Access to non-dilutive capital can provide a growth mechanism for companies with recurring revenue streams.

recession

What a Weird Recession

This has got to be one of the weirdest recessions...ever. In fact, it is.

reading the tea leaves

Reading the Tea Leaves - July 3rd, 2022

Here is the data, information, and news I have been reading over the past week. Plus, what it means for you.

fundraising

Why startup founders should do their own fundraising

As a startup founder, you should be driving your own fundraising. Not paying someone to do it for you.

business models

Some newer business models are starting to struggle

New business models can help you differentiate your company from competitors. But, they come with tradeoffs.

SPACs

SPACS go Splat

SPACs were all the rage in 2021. Since then they have gone splat. Here is a history of the funding vehicle and why they are struggling.

us economy

My favorite economic analysis tools

These are my favorite economic analysis tools for tracking how the economy is doing and informing my investment strategy.

bear market

3 Emails & a Bear Market

Yes, we are in a bear market. Here is what you should be doing about it.

mortgage rates

When will mortgage rates go back down?

Mortgage rates blasted from 3% to 6% in a short period of time. Here is when I think they will go back down.

us economy

Our Economy is Built Around This

Consumers, including me, just love to pay for convenience. But at what cost? Without those industries where would our economy be?

environment

EU Beats Climate Target, Meanwhile CO2 levels reach highest in history

The EU just crushed its 2020 climate target with a 34% reduction. Why can't the rest of us do as well?

music

The Rhythm and the Work - how music improves performance

Music has the ability to improve performance. If it can make you move.

gas prices

I'll take public transit

The national average is $4.896 according to AAA. So, let’s call it $5 per gallon. That means it will cost me over $100 to fill up my 23-gallon gas-guzzling SUV. Ouch.

What’s really driving the $45B sitting in inventory at major retailers?

The big-box retailers are sitting on $45B in inventory. But, consumer spending is up. What does it mean?

startups

For Startup Founders Defensibility is Critical

The more easily defensible your business model is the better your chance of holding off competitors and/or copycats.

amazon stock split

Here’s Why an Amazon Stock Split is Happening

Today we will see an Amazon stock split. Here are some reasons why the company might be performing a stock split.

layoffs

As Layoffs Stack Up There Are Positive Signs

May and June have seen an increase in layoff activity. That will continue, but there is good news.

cyberpunk

Art Predicting Life - Cyberpunk 2077

I see a world where technology is embedded into humans and that tech is used to access virtual worlds.

money

$

Money, or $ going forward in this article, is a dominant thing in our lives. So much so that I am worn out with thinking about it.

sba loan

Which SBA Loan Has the Lowest Down Payment?

An SBA Loan in the Express program can help keep your down payment lower. As low as 10%.

startup accelerators

These Startup Accelerators Currently Accepting Applications

Startup Accelerators offer a lot of benefits to founders. These are the ones that are currently open for applications.

cryptocurrency

Investing in crypto currency is still a good idea - here’s why

The crypto currency market has seen a steep decline, just like the stock market. But, now could still be a good time to invest. Here's why.

shares in a startup

Offered Shares in a Startup? Ask these questions

The allure of being an early employee, and therefore getting shares in a startup, can be hard to pass up on. But, not all offers are equally valuable. A lot has to happen for your shares to turn into real money in that venture.

consumer debt

Pop Goes the Consumer Debt Bubble

There is a consumer debt bubble looming and it could easily pop. Here are the numbers that lead me to believe that and what I am doing about it in my own life.