<![CDATA[Gainology]]>Mon, 16 Jan 2023 14:37:32 +0000Captivate.fmEric O. Januaryhttps://artwork.captivate.fm/39ba2f89-9822-4896-87a7-515cc7a07b72/jjlhqcagxpqizm-rvmuzedym.jpgGainologyEric O. JanuaryEric O. JanuaryIn the over 25 years of helping people, I’ve never met anyone that wants to lose. We don’t want to lose games. We don’t want to lose loved ones. And we ESPECIALLY don’t want to lose money. Naturally, we want to gain. As true as this is, most end up losing more than they gain, not because of a lack of effort but because something is wrong with their Gainology. In this Gainology podcast and my Gainology book series, I share what helped me predict and make money off the housing bubble and banking crisis, a scientifically based rationale that you need to know to consistently get ahead.https://conduitadvisors.comnoepisodicUber - Don’t Get Taken for a RideUber - Don’t Get Taken for a RideKeys to avoid making bad investment decisions.

]]>Keys to avoid making bad investment decisions.

]]>4f5be03d-6260-4c6d-b67e-667dc984c4a6Fri, 06 May 2022 09:00:00 -060016:34nofull3Eric O. JanuaryBitcoin: Money isn't supposed to make you moneyBitcoin: Money isn't supposed to make you moneyEveryone knows that money is what makes money. Sure, that’s what we’ve been told, but is it true? Before you write me off, hear me out. Our money isn’t supposed to make money. What we invest our money in is what’s supposed to make money. We understand that principle. So why are we trying to make money with Bitcoin?  

]]>Everyone knows that money is what makes money. Sure, that’s what we’ve been told, but is it true? Before you write me off, hear me out. Our money isn’t supposed to make money. What we invest our money in is what’s supposed to make money. We understand that principle. So why are we trying to make money with Bitcoin?  

]]>1c51cfa4-3f6f-4ef7-bbf5-1c3c59e5bc0dMon, 21 Feb 2022 07:00:00 -060021:17nofull2Eric O. JanuaryBanks Give Black Owned Businesses Advantage on Supply Chain FinanceBanks Give Black Owned Businesses Advantage on Supply Chain FinanceAs CPA I realize that all qualified businesses need equal access to capital. As a business owner who happens to be African-American, I also realize that institutional bias is baked into the financial system. How do you think We Work got millions in loans from Chase while other more qualified businesses without access to VC capital got denied? African-American farmers got denied loans from the USDA for decades before the government settled the case. During the housing bubble, blacks with higher credit scores routinely got steered into less desirable sub-prime loans than whites with much lower credit scores.

In other words, getting a loan isn't just about meeting the 5 C's of Capital (credit, capacity, collateral, conditions, and character). It never has been. Providing access to supply chain financing to blacks is a step in the right direction for all business owners need.

]]>As CPA I realize that all qualified businesses need equal access to capital. As a business owner who happens to be African-American, I also realize that institutional bias is baked into the financial system. How do you think We Work got millions in loans from Chase while other more qualified businesses without access to VC capital got denied? African-American farmers got denied loans from the USDA for decades before the government settled the case. During the housing bubble, blacks with higher credit scores routinely got steered into less desirable sub-prime loans than whites with much lower credit scores.

In other words, getting a loan isn't just about meeting the 5 C's of Capital (credit, capacity, collateral, conditions, and character). It never has been. Providing access to supply chain financing to blacks is a step in the right direction for all business owners need.

]]>ba74259e-5c40-4da0-bfb1-8b4656a9d765Thu, 10 Dec 2020 09:00:00 -060026:30nofull1Eric O. January