Welcoem to posts!!
in the future - u will be able to do some more stuff here,,,!! like pat catgirl- i mean um yeah... for now u can only see others's posts :c
A brand new issue of SMB insider is out! SMB Insider, is your go-to source for essential insights and trends impacting small and medium-sized businesses.
In this edition, we cover:
- Emerging consumer spending trends
- The current state of the job market
- How small businesses can reduce employee burnout
- 100 million in NBA salaries and the business of sports
- Current state of private equity
- Breakthroughs and challenges in healthcare
and more!
Subscribe to get access to SMB Insider
👉 4-pillars.ck.page/4fab8af8f2
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A brand new issue of SMB insider is out! SMB Insider, is your go-to source for essential insights and trends impacting small and medium-sized businesses.
In this edition, we cover:
- Emerging consumer spending trends
- The current state of the job market
- How small businesses can reduce employee burnout
- 100 million in NBA salaries and the business of sports
- Current state of private equity
and more!
Subscribe to get access to SMB Insider
👉 4-pillars.ck.page/4fab8af8f2
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A brand new issue of SMB insider is out! SMB Insider, is your go-to source for essential insights and trends impacting small and medium-sized businesses.
In this edition, we cover the pressing issue of personal finance, exploring the sobering reality that many millennials may never retire or afford homeownership.
We'll also discuss the amount of money needed to achieve happiness, the burgeoning investment opportunities in AI, and the truth about work-from-home jobs.
Additionally, we'll examine the current economic landscape, inflation concerns, and more. Join us as we navigate these critical topics to keep you informed and ahead of the curve.
Subscribe to get access to SMB Insider
👉 4-pillars.ck.page/4fab8af8f2
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A brand new issue of SMB insider is out! In this issue, we cover topics such as:
- The record levels of credit card and consumer debt in America
- How to succeed in your career (Hard work vs Luck)
- Dow Jones crossed 40,000 for the first time ever
- The current state of the real estate market
- Retirement in America 2024
- The Business of Sports
and more!
The purpose of the newsletter is to provide a weekly digest of relevant topics to those who monitor the economy, investing, career, and small & medium-sized businesses in general.
Subscribe to get access to SMB Insider
👉 4-pillars.ck.page/4fab8af8f2
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To all of my adoring fans who find it easier to fall asleep reading than watching a video, I am pleased to announce that we have launched a newsletter!
The purpose of the newsletter is to provide a weekly digest of relevant topics to those who monitor the economy, investing, career, and small & medium-sized businesses in general.
In this issue, we cover:
- Inflation: A topic that everyone is tired of yet we can't ignore
- The business of sports: Common themes from stories as divergent as the Mike Tyson fight to the LIV-PGA conflict
- Careers: From jobs report to the latest on high-paying remote/hybrid jobs
- Personal Finance: From a controversial cost-of-living estimate to the argument that the 401(k) is destroying capitalism
Subscribe to get access to the very first issue of SMB Insider
👉 4-pillars.ck.page/4fab8af8f2
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Don’t start a business — buy a business. It’s easier than you think. Here’s what you need to know about using an @Small Business Administration (SBA) loan to buy a business (and what people won’t tell you about them)An SBA loan provides financial assistance to small businesses.
They can be used for a wide variety of reasons: acquiring real estate, short-and long-term working capital, refinancing current business debt, purchasing machinery and equipment — and much more. One of the first things you know is understanding the mindset of SBA loan officers.
SBA loans are lucrative. There are a ton of teams trying to originate more SBA loans. SBA loan officers are looking for things like:Loan sizeDown paymentFinancial historyTransaction structureBut there is another factor you know about that’s incredibly important: debt service coverage ratio (DSCR).
This essentially is just how much cash flow you have to service the debt. The higher the number, the better. Ideally you’d want at least a 1.5 - 1.75x DSCR. Another tip you should know: If you hear “The SBA doesn’t allow that,” you shouldn’t always believe it.
That’s because banks have their own practices for what they will and won’t allow for lending. Instead you can do your own research on SBA.gov to understand the specific requirements for a loan. Then you can compare different lenders. What are your thoughts/questions on SBA loans?
Let me know in the comments!
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Hi, I'm Nick McLean and I'm a partner at Four Pillar Investors, a Private Equity firm. My background is in Operations Management with an emphasis on Lean manufacturing; strategy development and execution; and mergers and acquisitions (M&A).
I consider one of the primary roles of a manager/leader to be to help those around you be more successful and to develop as individuals. When I think of myself as a leader, I am more interested in granting and sharing authority than hoarding it.
WE INVEST IN COMPANIES LONG-TERM, TO HELP THEM REACH THEIR FULL POTENTIAL.
We started Four Pillars based on our shared values and what we want our company to stand for.
We purchase and operate small businesses with the intention of owning the business for the long term. Though we seek involvement in our investments, our intention is to support without becoming a burden. It is our intention to work together with company management to achieve shared success.