Financial Poise

All Articles by David M. Freedman

David M. Freedman

About David M. Freedman

Legal and financial journalist.

Angel Investor Fundamentals

An angel investor is an individual who provides capital from his or her own funds to a private business owned and operated by someone who is neither a friend nor a family member. Angels often provide the first round of “outside” capital—that is, outside of the founders’ family and friends (the three Fs). Angel capital may be in the form of straight debt, convertible debt, or equity purchases.

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Investing in Water: A Review of Outstanding Books

While global water supply has remained constant over millions of years, the demand has increased six-fold just in the last century. The rate of demand is increasing roughly double the rate of population growth due to irrigation, mining, manufacturing, and other industrial uses as well as household and commercial consumption. Today 40 percent of the people on earth live in water-scarce conditions—that will grow to 60 percent by 2025.

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iDisclose Generates 80%-Final-Draft PPM for Under $5,000

iDisclose is a new web-based, do-it-yourself, automated PPM generator that is much more than a mere template. iDisclose operates much as TurboTax does: The way you answer one question opens up a customized set of drill-down follow-up questions, so the entire document is granularly customized for each issuer. It works for a range of securities, including preferred and common stock as well as convertible debt.

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Equity Crowdfunding Performance Review: Billions for Startups, But What about Returns for Investors?

There is no lack of statistics about how much capital has been raised, and how those dollar amounts have increased year over year, in the new asset class called securities crowdfunding. The statistics about investor returns have been much less forthcoming, partly because securities crowdfunding is only a few years old, but also because investor returns are not as “transparent” as offerings and sales on funding platforms.

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Investing in Farmland

Investing in Farmland

U.S. farm real estate retained its value over the decade 2000 to 2010, despite the housing market’s tumble [see charts below]. In fact, the average value of land and buildings on farms has steadily increased since the late 1980s, with the sole exception of 2009.

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