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What’s the difference between a loan and a bailout? And if BART has cash flow problems today, how does giving them a loan actually fix the underlying issue? How will you service the loan if you have cash flow problems, and what measures is BART taking to increase cash... show more

David Tangipa

12,947 subscribers

27,586 просмотров • 6 месяцев назад •via X (Twitter)

Новости и политика Финансы

Anya Rossi• Live Now

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"There's an incredible amount of leverage that's been taken out without cash flow able to service the debt" Nico Lechuga on why cash flow is what makes Bitcoin leverage survivable "Everybody has their own take on this, and we'll see what happens within the market. But if you're taking on any type of leverage, any type of debt, think about our own personal lives. If you buy a car, you buy a house and you're mortgaging that, you're taking out an interest loan, generally there's some degree of credit institution checking you to make sure that you have the cash flow to service the debt you've taken out" "When we're building businesses we think of risk vectors, and how those risk vectors potentially impact the business's chance of success. If you've introduced a risk vector, in this case leverage taken out against the business without having cash flow able to service it, then you can impair your business. This is designed by having uncorrelated businesses with good margins, sustainable cash flows. If you're taking out even a degree of leverage to buy Bitcoin, the only time you would ever do that is after you have the businesses and you have the cash flow" "Even if Bitcoin's price goes down, we see a drop from 126 to where we're at 65, 66 today, it doesn't matter, because you have the cash flow to service the debt. In the same way, when you buy a car and drive it off the lot, if you're paying with financing and the value drops 50% the day you drive it off the lot, you have a job and you can service that, so you're not impaired"

"There's an incredible amount of leverage that's been taken out without cash flow able to service the debt" Nico Lechuga on why cash flow is what makes Bitcoin leverage survivable "Everybody has their own take on this, and we'll see what happens within the market. But if you're taking on any type of leverage, any type of debt, think about our own personal lives. If you buy a car, you buy a house and you're mortgaging that, you're taking out an interest loan, generally there's some degree of credit institution checking you to make sure that you have the cash flow to service the debt you've taken out" "When we're building businesses we think of risk vectors, and how those risk vectors potentially impact the business's chance of success. If you've introduced a risk vector, in this case leverage taken out against the business without having cash flow able to service it, then you can impair your business. This is designed by having uncorrelated businesses with good margins, sustainable cash flows. If you're taking out even a degree of leverage to buy Bitcoin, the only time you would ever do that is after you have the businesses and you have the cash flow" "Even if Bitcoin's price goes down, we see a drop from 126 to where we're at 65, 66 today, it doesn't matter, because you have the cash flow to service the debt. In the same way, when you buy a car and drive it off the lot, if you're paying with financing and the value drops 50% the day you drive it off the lot, you have a job and you can service that, so you're not impaired"

The Wolf Of All Streets

30,854 просмотров • 1 месяц назад

How I'd buy a Laundromat for $0 down & make $100k/year: 1: Go to SMBmarket(.com) & search for Laundromats ($10k+/mo min. cash flow) 2: Check for consistent revenue growth 3: Contact the seller & make an offer 2-4x the yearly cash flow 4: Apply for an SBA loan at sba(.gov) 5: Finance 90% of the deal using the SBA loan 6: Find a private investor to pay 10% down for 15% equity in return 7: Now you're $0 out of pocket & you own a Laundromat I recently found a Laundromat doing $171k/year in cash flow… You could do a few things to add value & increase its cash flow past $200k/year: • Offer wash and fold for additional revenue • Install a small micromart to sell snacks & drinks • Offer WiFi & TVs & a child play area to attract more customers (more sales) After purchase, hire a General Manager, so you never work day-to-day. Use the cash flow to pay off the loan & take the remaining for yourself. If you dedicate enough time and research to this… There’s a huge payoff for all the hard work. The question is, will you give it a go?

How I'd buy a Laundromat for $0 down & make $100k/year: 1: Go to SMBmarket(.com) & search for Laundromats ($10k+/mo min. cash flow) 2: Check for consistent revenue growth 3: Contact the seller & make an offer 2-4x the yearly cash flow 4: Apply for an SBA loan at sba(.gov) 5: Finance 90% of the deal using the SBA loan 6: Find a private investor to pay 10% down for 15% equity in return 7: Now you're $0 out of pocket & you own a Laundromat I recently found a Laundromat doing $171k/year in cash flow… You could do a few things to add value & increase its cash flow past $200k/year: • Offer wash and fold for additional revenue • Install a small micromart to sell snacks & drinks • Offer WiFi & TVs & a child play area to attract more customers (more sales) After purchase, hire a General Manager, so you never work day-to-day. Use the cash flow to pay off the loan & take the remaining for yourself. If you dedicate enough time and research to this… There’s a huge payoff for all the hard work. The question is, will you give it a go?

Ben Kelly

166,477 просмотров • 8 месяцев назад

Rasmr explains why having cash flow makes him cooler than a rich trencher with no income "There's a bunch of people with 3 mil PnL, but they don't have cash flow. I have money I make every month, I run this show, I have employees, I pay clippers. In my opinion what I do is cooler than just trenching, even if you have 8 or 10 mil, because I actually provide value and have a public persona." "I value clout, and I'm friends with really high level people. Just in Miami I linked with orangey, bread scales, Dylan Latham. That has real value, because if I'm doing business eventually, that network is going to pay off." "When you're a trader and you don't have cash flow, that's how you start taking bigger and bigger risks. You start rugging people, you start dumping on your followers, because you think you're rich and you elevate your lifestyle to 50k a month, and then you need a trade to profit just to keep spending. They don't have the cash flow to support the lifestyle."

Rasmr explains why having cash flow makes him cooler than a rich trencher with no income "There's a bunch of people with 3 mil PnL, but they don't have cash flow. I have money I make every month, I run this show, I have employees, I pay clippers. In my opinion what I do is cooler than just trenching, even if you have 8 or 10 mil, because I actually provide value and have a public persona." "I value clout, and I'm friends with really high level people. Just in Miami I linked with orangey, bread scales, Dylan Latham. That has real value, because if I'm doing business eventually, that network is going to pay off." "When you're a trader and you don't have cash flow, that's how you start taking bigger and bigger risks. You start rugging people, you start dumping on your followers, because you think you're rich and you elevate your lifestyle to 50k a month, and then you need a trade to profit just to keep spending. They don't have the cash flow to support the lifestyle."

Kai

41,531 просмотров • 2 месяцев назад

"The intention is to utilize about 30% of the cash flow to leverage buying Bitcoin and provide like 70% excess for buying additional businesses or unleveraged buying Bitcoin" Nico Lechuga on how Orange Juice splits cash flow "You want a moderate degree of leverage on the cash flow of the business. You run this optionality anytime you're buying businesses, so you have the option of buying additional businesses with the cash flow that you have from the businesses there" "Or you have the optionality of providing a bit of leverage and buying Bitcoin with it" "You want to have the leverage ratio of the entire business be extremely, extremely healthy, so that in all economic environments you're not becoming impaired"

"The intention is to utilize about 30% of the cash flow to leverage buying Bitcoin and provide like 70% excess for buying additional businesses or unleveraged buying Bitcoin" Nico Lechuga on how Orange Juice splits cash flow "You want a moderate degree of leverage on the cash flow of the business. You run this optionality anytime you're buying businesses, so you have the option of buying additional businesses with the cash flow that you have from the businesses there" "Or you have the optionality of providing a bit of leverage and buying Bitcoin with it" "You want to have the leverage ratio of the entire business be extremely, extremely healthy, so that in all economic environments you're not becoming impaired"

The Wolf Of All Streets

29,677 просмотров • 1 месяц назад

I bet you didn't know this tax hack... Put 20% down on AI equipment and unlock massive bonus depreciation. The GPUs get rented to AI companies. Your cash earns ~30% a year while the rental income pays off the loan. So, you get the write-off, the cash flow, and the debt reduction. I’m not even scratching the surface of what’s possible.

I bet you didn't know this tax hack... Put 20% down on AI equipment and unlock massive bonus depreciation. The GPUs get rented to AI companies. Your cash earns ~30% a year while the rental income pays off the loan. So, you get the write-off, the cash flow, and the debt reduction. I’m not even scratching the surface of what’s possible.

Pace Morby

50,695 просмотров • 8 месяцев назад

How the wealthy actually use debt: borrow against an asset, put the cash into something yielding more than the interest. The spread services the loan. You never sell, never trigger the tax, and the underlying keeps compounding. Debt as a tool, not a trap.

How the wealthy actually use debt: borrow against an asset, put the cash into something yielding more than the interest. The spread services the loan. You never sell, never trigger the tax, and the underlying keeps compounding. Debt as a tool, not a trap.

Jake Claver, QFOP

30,220 просмотров • 2 месяцев назад

Getting a loan is hard -- unless it's a STUDENT loan from the government! “Students" get that, without anyone asking them how they plan to repay. So billions flow to rich colleges that give our useless degrees, while taxpayers and students suffer.

Getting a loan is hard -- unless it's a STUDENT loan from the government! “Students" get that, without anyone asking them how they plan to repay. So billions flow to rich colleges that give our useless degrees, while taxpayers and students suffer.

John Stossel

353,629 просмотров • 1 год назад

Friedberg: Michael Burry’s “Cooked Books” Claim is Totally Wrong david friedberg: “Burry's implication that they are cooking the books or hiding accounting is completely false because all of the accounting is apparent in the cashflow statement and in the balance sheet.” “Remember, companies have three financial statements, an income statement, a balance sheet, and a cashflow statement.” “The cashflow statement reconciles the difference between the income statement and the balance sheet, and it shows you all the cash that's going in and out of the company.” “And many analysts and many investors that are intelligent and do their homework, will look at the cash flow statement and they will see the CapEx, they will see all the investments going out, and they will calculate a number, typically called free cash flow, that will allow them to estimate the true cash generation of the business in a particular period and make an assessment of, should they be valued on free cash flow or should they be valued on the GAAP standard of EBITDA?” “And the investor has the choice on how they want to value the company.” “And Burry is incorrect in thinking that they're hiding anything because it's all there.” “They're following GAAP standards. And then investors make a market and they all decide, what do I want to value this company on? Cash flow? EBITDA?” “Let them choose, and then the market sets the price.” Chamath Palihapitiya: “I think we've given this guy way too much airtime. He's not very good at what he does.” Recorded in the brand new poker studio at The Venetian Las Vegas. Thanks The Venetian Resort Las Vegas!

The All-In Podcast

594,133 просмотров • 9 месяцев назад

Ursula von der Leyen has given the EU countries an ultimatum. Either they fund Ukraine at their own expense, or they steal Russian assets. ‘Today we propose to cover two-thirds of Ukraine's financing needs for the next two years. The EU must contribute 90 billion euros, the remaining part should be covered by international partners. We present two solutions to the member states that they need to agree on. The first solution is to use the EU budget as a guarantee to provide this capital to Ukraine in the form of a loan. This decision must be made by unanimous vote. The second solution is a reparations loan. Here we will use the cash balances obtained from mobilized Russian assets in the European Union. We propose to cover all financial institutions that have accumulated such cash balances. These institutions will have to transfer these funds into a reparations loan instrument. In other words, we take these cash balances, provide them to Ukraine as a loan, and Ukraine will have to repay this loan if and when Russia pays reparations. This decision can be made by a qualified majority vote. The funds will be directed to support Ukraine's budget and military support’. - SK

Ursula von der Leyen has given the EU countries an ultimatum. Either they fund Ukraine at their own expense, or they steal Russian assets. ‘Today we propose to cover two-thirds of Ukraine's financing needs for the next two years. The EU must contribute 90 billion euros, the remaining part should be covered by international partners. We present two solutions to the member states that they need to agree on. The first solution is to use the EU budget as a guarantee to provide this capital to Ukraine in the form of a loan. This decision must be made by unanimous vote. The second solution is a reparations loan. Here we will use the cash balances obtained from mobilized Russian assets in the European Union. We propose to cover all financial institutions that have accumulated such cash balances. These institutions will have to transfer these funds into a reparations loan instrument. In other words, we take these cash balances, provide them to Ukraine as a loan, and Ukraine will have to repay this loan if and when Russia pays reparations. This decision can be made by a qualified majority vote. The funds will be directed to support Ukraine's budget and military support’. - SK

Zlatti71

56,053 просмотров • 9 месяцев назад

Finally, Belgian PM, Bart De Wever, isn't afraid to say 'putin isn't getting a cent back'. Period. Bart De Wever, Belgian PM: "Is the reparation loan off the table? I think the text is very, very good because it mentions, of course, that we have no intention whatsoever of giving the immobilised assets back to putin. We have no intention of letting somebody else outside Europe decide about this. They have been immobilised for an indefinite period. It is the Europeans who will decide what happens to it, and our intention is to give it to Ukraine as the reparation. It's a reparation loan, the word says it itself. It serves to reparate what has been done to you by the aggressor. And that idea is still in the text, and I'm 100% behind it." This is how you play hardball. Overall, De Wever’s phrasing is a strong "Euro-maximalist" position. By framing it as a "reparation loan," he’s bridging the gap between legal caution and the moral demand to make Russia pay.

Finally, Belgian PM, Bart De Wever, isn't afraid to say 'putin isn't getting a cent back'. Period. Bart De Wever, Belgian PM: "Is the reparation loan off the table? I think the text is very, very good because it mentions, of course, that we have no intention whatsoever of giving the immobilised assets back to putin. We have no intention of letting somebody else outside Europe decide about this. They have been immobilised for an indefinite period. It is the Europeans who will decide what happens to it, and our intention is to give it to Ukraine as the reparation. It's a reparation loan, the word says it itself. It serves to reparate what has been done to you by the aggressor. And that idea is still in the text, and I'm 100% behind it." This is how you play hardball. Overall, De Wever’s phrasing is a strong "Euro-maximalist" position. By framing it as a "reparation loan," he’s bridging the gap between legal caution and the moral demand to make Russia pay.

Yasmina

60,091 просмотров • 8 месяцев назад

If a man wanted $100,000 loan from the bank to start a business, he would have to prove the business was worth the loan, but if he asked for the same loan to go to college it would be approved no questions asked. The only difference is the government guarantees the bank be paid back for the college loan. They knew you were making a dumb financial decision when you majored in feminism, they just don’t care.

If a man wanted $100,000 loan from the bank to start a business, he would have to prove the business was worth the loan, but if he asked for the same loan to go to college it would be approved no questions asked. The only difference is the government guarantees the bank be paid back for the college loan. They knew you were making a dumb financial decision when you majored in feminism, they just don’t care.

Brett Pike

20,620 просмотров • 6 месяцев назад

Orlando Bravo discusses how private equity has changed over time "It used to be that for those old school deals, if you look at the returns, two thirds of the returns would come from cash flow and the yield, and a little bit from the terminal value. Today, it is flipped."

Orlando Bravo discusses how private equity has changed over time "It used to be that for those old school deals, if you look at the returns, two thirds of the returns would come from cash flow and the yield, and a little bit from the terminal value. Today, it is flipped."

Boring_Business

122,052 просмотров • 8 месяцев назад

Most people use debt to get poor. They buy a house, build equity over decades, and stop there. The wealth is locked in a primary residence, doing nothing. The ones who get rich do something different. They take that same principle, the same velocity, and apply it to an asset that produces cash flow. A rental property. A business. Something that generates income while the debt pays itself down. The bank already knows this. Every loan they write is backed by collateral. They are not lending against your income. They are lending against the asset. And if you default, they take the asset and recover the debt. That is the whole game. Find an asset a lender would take back. Acquire it. Let the cash flow service the debt. Own it free and clear on the other side. Good debt makes you richer. Most people just never learned the difference.

Most people use debt to get poor. They buy a house, build equity over decades, and stop there. The wealth is locked in a primary residence, doing nothing. The ones who get rich do something different. They take that same principle, the same velocity, and apply it to an asset that produces cash flow. A rental property. A business. Something that generates income while the debt pays itself down. The bank already knows this. Every loan they write is backed by collateral. They are not lending against your income. They are lending against the asset. And if you default, they take the asset and recover the debt. That is the whole game. Find an asset a lender would take back. Acquire it. Let the cash flow service the debt. Own it free and clear on the other side. Good debt makes you richer. Most people just never learned the difference.

Ken McElroy

44,838 просмотров • 2 месяцев назад

On My First Million we had on Josh, who acquires family-owned campgrounds and will do $20m in revenue this year. His first one was near Yellowstone. He bought it for $3m, mostly an SBA loan. It was doing half a million in income, about $150k of cash flow. A couple years later he brought the cash flow up closer to $300k, refinanced, pulled all his cash out, and used it to buy the next one.

On My First Million we had on Josh, who acquires family-owned campgrounds and will do $20m in revenue this year. His first one was near Yellowstone. He bought it for $3m, mostly an SBA loan. It was doing half a million in income, about $150k of cash flow. A couple years later he brought the cash flow up closer to $300k, refinanced, pulled all his cash out, and used it to buy the next one.

Sam Parr

50,363 просмотров • 2 месяцев назад

Jeff Bezos: “Focus on the controllable inputs to your business instead of the outputs” Jeff gives the example of companies trying to drive up their stock price by actually going out and trying to sell their stock: “[A higher stock price] is the final output…. That’s not going to be sustainable. It’s a silly approach.” Jeff recommends working backwards from a higher stock price to its controllable inputs instead: “What are the inputs to a higher stock price? Okay, well, free cash flow and return on invested capital are inputs to a higher stock price. Let’s keep working backwards. What are the inputs to free cash flow? And you keep working backwards until you get to something that’s controllable.” He points out that a controllable input to free cash flow would be something like a lower cost structure: “If we can improve our picking efficiency in our fulfillment centers and reduce defects - reducing defects at the root is one of the best ways to lower cost structure - that starts to be a job you would accept. If you’re a reasonable person, you would say, I have no idea how to drive up the stock price - I can’t manage that directly. It’s not a controllable input. But I can make your picking algorithms more efficient, and that will reduce cost structure. And then you follow that chain all along the way. That’s what you do in all of these businesses.” Video source: Business Insider (2014)

Jeff Bezos: “Focus on the controllable inputs to your business instead of the outputs” Jeff gives the example of companies trying to drive up their stock price by actually going out and trying to sell their stock: “[A higher stock price] is the final output…. That’s not going to be sustainable. It’s a silly approach.” Jeff recommends working backwards from a higher stock price to its controllable inputs instead: “What are the inputs to a higher stock price? Okay, well, free cash flow and return on invested capital are inputs to a higher stock price. Let’s keep working backwards. What are the inputs to free cash flow? And you keep working backwards until you get to something that’s controllable.” He points out that a controllable input to free cash flow would be something like a lower cost structure: “If we can improve our picking efficiency in our fulfillment centers and reduce defects - reducing defects at the root is one of the best ways to lower cost structure - that starts to be a job you would accept. If you’re a reasonable person, you would say, I have no idea how to drive up the stock price - I can’t manage that directly. It’s not a controllable input. But I can make your picking algorithms more efficient, and that will reduce cost structure. And then you follow that chain all along the way. That’s what you do in all of these businesses.” Video source: Business Insider (2014)

Startup Archive

18,881 просмотров • 1 год назад

Cash flow is life or death. Every single day you need a dashboard: What did I sell? What did I collect? How much cash is in the bank? Without that, you’re flying blind. I’ve watched promising companies collapse simply because they ignored this discipline. Tools like QuickBooks make it easy, but you have to actually use them daily. Don’t learn this lesson the hard way.

Cash flow is life or death. Every single day you need a dashboard: What did I sell? What did I collect? How much cash is in the bank? Without that, you’re flying blind. I’ve watched promising companies collapse simply because they ignored this discipline. Tools like QuickBooks make it easy, but you have to actually use them daily. Don’t learn this lesson the hard way.

Kevin O'Leary aka Mr. Wonderful

19,197 просмотров • 10 месяцев назад

Bill Ackman on how to fix the student loan crisis in America Worth a listen "I would require the university to be the first loss lender. Imagine a $100K student loan. The university has to be the credit support They have to be the junior most $10-15K below, and then they have to be very thoughtful. Because they lose the first dollar if the student cant repay"

Bill Ackman on how to fix the student loan crisis in America Worth a listen "I would require the university to be the first loss lender. Imagine a $100K student loan. The university has to be the credit support They have to be the junior most $10-15K below, and then they have to be very thoughtful. Because they lose the first dollar if the student cant repay"

Boring_Business

827,794 просмотров • 7 месяцев назад

ELON: THE ECONOMY IS NOT A ZERO-SUM GAME “I think generally, people should always be wary that they may have, either consciously, or perhaps mostly subconsciously, internalized the notion of a zero-sum game, or a fixed pie. And if you internalize that, everything is zero-sum, meaning in order for me to get ahead, someone else has to not get ahead or for me to have stuff, someone else must not have stuff, if you have that axiomatic flow, then what it needs to be done is to fix that axiomatic flow, because it is false. It's not a zero-sum game. We can absolutely grow, and have grown, and the evidence is overwhelming, that we have grown the output of goods and services. We have many things today that we did not have in the past. We are far more prosperous. All of humanity is far more prosperous today than it was at times in the past.” European Jewish Association, 2024, Elon Musk

ELON: THE ECONOMY IS NOT A ZERO-SUM GAME “I think generally, people should always be wary that they may have, either consciously, or perhaps mostly subconsciously, internalized the notion of a zero-sum game, or a fixed pie. And if you internalize that, everything is zero-sum, meaning in order for me to get ahead, someone else has to not get ahead or for me to have stuff, someone else must not have stuff, if you have that axiomatic flow, then what it needs to be done is to fix that axiomatic flow, because it is false. It's not a zero-sum game. We can absolutely grow, and have grown, and the evidence is overwhelming, that we have grown the output of goods and services. We have many things today that we did not have in the past. We are far more prosperous. All of humanity is far more prosperous today than it was at times in the past.” European Jewish Association, 2024, Elon Musk

Mario Nawfal

1,682,416 просмотров • 1 год назад