Month: December 2024

Bitcoin as anti consumerism, pro capitalism? Digital Capitalism? Cyber Capitalism?

Ok this is starting to get out of hand ,,,

Kanye made all of it cool and desired? No Kanye, no Rolls, no Lambo, no Louis V, no nothing!

Ironically enough true luxury is more analogue?

Just make aesthetics your apex value, all else shall follow —

Obviously you’d want the Bitcoin!

The next 4 years Trump in office ,,, Jan 20, 2025 to 2029 — the next 4 years will be the next 4 years of the most amazing economic prosperity of all time? Especially if you’re on the Bitcoin standard, MSTR, microstrategy and Bitcoin!

Projections

Traditionally BTC is 60% ARR, MSTR is 120% ARR. Maybe with Trump, we can double that?

BTC target 120% ARR, MSTR 240% ARR?

Show also $150k ARR 240% over 4 years

Here’s a year-by-year breakdown of ARR growth starting from $150k with a 240% annual growth rate over 4 years:

Formula Recap:

Where:

• ARR at Year 0 = $150k

• Growth Rate = 240% = 2.4

•

Year-by-Year Growth:

1. Year 0 (Starting ARR): $150,000

2. Year 1:

ARR: $510,000

3. Year 2:

ARR: $1.734M

4. Year 3:

ARR: $5.896M

5. Year 4:

ARR: $20.046M

Summary:

• Year 0: $150,000

• Year 1: $510,000

• Year 2: $1.734M

• Year 3: $5.896M

• Year 4: $20.046M

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1.9$M ARR of 120% for 4 years

Here’s a year-by-year breakdown of ARR growth with a 120% annual growth rate starting from $1.9M:

1. Year 0 (Starting ARR): $1.9M

2. Year 1:

ARR: $4.18M

3. Year 2:

ARR: $9.20M

4. Year 3:

ARR: $20.24M

5. Year 4:

ARR: $44.53M

Summary:

• Year 0: $1.90M

• Year 1: $4.18M

• Year 2: $9.20M

• Year 3: $20.24M

• Year 4: $44.53M

…

To calculate the cumulative ARR (Annual Recurring Revenue) growth over four years with a 120% annual growth rate, here’s how it works:

Formula:

Where:

• ARR at Year 0 = $1.9M

• Growth Rate = 120% = 1.2

•

Let’s calculate:

So, the ARR after four years will be approximately $44.51M.

Bitcoin is not risky, just high voltage, high volatility? It’s almost like no risk, no hazard or peril — “If it’s not going to zero it’s going to a million”— (Saylor) and now — I’m quite certain Bitcoin will keep going up, at a phenomenal rate, forever!

To dare or venture?

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The word “risk” has a rich and somewhat complex etymological history that traces back through several languages and centuries. Here’s a detailed overview of its origins and evolution:

Origins in Italian and Spanish

• Italian “risicare”: The English word “risk” is believed to derive from the Italian verb “risicare,” which means “to dare” or “to venture.” This term encapsulates the essence of taking a chance or facing potential danger, aligning closely with the contemporary meaning of “risk.”

• Spanish “riesgo”: The Italian “risicare” likely borrowed from the Spanish word “riesgo,” which translates to “danger” or “hazard.” The Spanish term has been used historically to describe the perils associated with maritime voyages, trading, and other ventures, emphasizing the inherent uncertainties involved.

Possible Arabic Influence

• Arabic “ar-Risk”: Some etymologists suggest a possible influence from the Arabic word “ar-risk,” although this connection is less certain. During the medieval period, Arabic had a significant impact on European languages, especially in the realms of trade, science, and navigation, which could have facilitated the transmission of terms related to danger and uncertainty.

Transition into English

• Late 16th Century Adoption: The word “risk” entered the English language in the late 16th century, initially retaining meanings related to “danger” and “hazard.” Over time, its usage expanded to encompass a broader range of uncertainties and potential negative outcomes in various contexts, including finance, health, and everyday decision-making.

Related Words and Derivatives

• “Risky”: An adjective form meaning “full of risk” or “hazardous.”

• “Riskiness”: A noun form referring to the quality of being risky.

• “Riskless” / “Risk-Free”: Terms used to describe situations or investments that are devoid of risk.

Semantic Evolution

While the core concept of “risk” has remained centered around the idea of uncertainty and potential negative consequences, its applications have broadened significantly. In modern usage, “risk” can pertain to various fields such as:

• Finance: The possibility of losing money on an investment.

• Health: The likelihood of developing a disease or injury.

• Everyday Life: The chances involved in daily decisions and actions.

Summary

In summary, the word “risk” originated from the Italian “risicare,” meaning “to dare,” and likely passed through Spanish “riesgo,” meaning “danger.” Its adoption into English in the late 16th century brought with it connotations of danger and uncertainty, which have since expanded to various aspects of modern life. The term’s journey through languages reflects the universal human engagement with uncertainty and the challenges of venturing into the unknown.

peril & danger vs uncertainty about the future?

Risk etymology

The word “risk” has a fascinating etymology that reflects its historical evolution across languages and cultures. Here’s an outline:

1. Greek Origins:

• Some scholars trace the word to the Greek noun ῥιζικόν (rhizikon), meaning “root” or “stone.” This might refer metaphorically to hazards or obstacles encountered on a journey or at sea.

2. Latin Influence:

• The Latin word resicum or risicum was used in legal contexts to denote “danger” or “chance.” It may have been influenced by the Greek root.

3. Medieval Italian:

• During the Middle Ages, the Italian word rischio or risco emerged, particularly in maritime contexts, referring to the dangers and uncertainties of sea travel and trade. The Italian verb rischiare means “to dare” or “to take a chance.”

4. Spread to Other Languages:

• From Italian, the term spread to other European languages:

• Spanish: riesgo

• French: risque

• English: risk

• It was adopted into English by the 17th century, likely through French or Italian trade and finance.

5. Modern Meaning:

• Over time, “risk” evolved from its association with specific maritime dangers to a broader concept of potential loss, harm, or uncertainty in any endeavor.

This etymological journey highlights how the concept of “risk” developed alongside the growth of commerce, exploration, and human ventures into the unknown.

Yes, you can take out a hard money loan for business purposes, particularly if you plan to use the loan to invest in or purchase real estate for your business. Hard money loans are flexible and can be used for various types of business needs, especially when traditional financing isn’t an option. Here’s how and when you might use one:

Business Applications for Hard Money Loans

1. Commercial Real Estate Purchases:

• If your business wants to purchase commercial property, such as office space, warehouses, or retail locations, a hard money loan can provide quick funding.

2. Property Development or Renovations:

• Ideal for businesses looking to renovate or develop properties, such as flipping commercial spaces or improving rental properties.

3. Bridge Loans:

• Useful for businesses needing temporary financing to bridge the gap while waiting for longer-term funding.

4. Startups and Entrepreneurs:

• Hard money loans might help new business owners who lack the credit history or financials required for traditional loans but can offer collateral (e.g., property).

5. Debt Consolidation or Working Capital:

• Businesses can leverage hard money loans to consolidate existing debt or gain quick access to working capital.

6. Expansion Projects:

• If a business wants to expand its facilities or operations and traditional financing isn’t an option, hard money lenders might step in.

Things to Keep in Mind

1. Collateral Requirement:

• Hard money loans are secured by real estate. You must offer property as collateral, which could be personal or business property.

2. High Interest Rates:

• Expect higher interest rates (8–15%) compared to traditional loans.

3. Short-Term Nature:

• These loans typically have terms of 6 months to a few years, so they’re best for short-term needs or projects with a clear exit strategy.

4. Fast Approval Process:

• They are great for businesses that need funding quickly to seize time-sensitive opportunities.

5. Risk:

• If you fail to repay the loan, you risk losing the property used as collateral.

Is It the Right Option for Your Business?

A hard money loan might make sense for your business if:

• You need quick funding for real estate-related ventures.

• Traditional lenders have denied your loan applications.

• You have a solid plan to repay the loan within the short-term timeframe.

However, due to the high costs, it’s important to carefully evaluate whether this type of loan aligns with your business needs and cash flow.

A hard money loan is a type of short-term financing secured by real estate property. Unlike traditional loans that are primarily based on the borrower’s creditworthiness and income, hard money loans focus on the value of the collateral—the property itself. These loans are typically provided by private investors or lending companies rather than conventional banks.

Key Characteristics:

• Collateral-Based: The loan amount is determined by the property’s value, often a percentage of the property’s quick-sale value, known as the loan-to-value (LTV) ratio.

• Short-Term Duration: Hard money loans usually have terms ranging from 6 months to a few years.

• Higher Interest Rates and Fees: Due to the increased risk to the lender, interest rates are generally higher than those of traditional loans, and fees such as origination points can be substantial.

• Faster Approval and Funding: The approval process is quicker because lenders focus less on the borrower’s financial status and more on the property’s value.

• Less Stringent Requirements: Borrowers with poor credit or those unable to secure traditional financing may still qualify.

Common Uses:

• Real Estate Investments: Investors use hard money loans to purchase, renovate, and sell properties quickly (often referred to as “flipping”).

• Bridge Financing: Borrowers use these loans as a temporary solution while waiting for long-term financing.

• Commercial Properties: Businesses may leverage hard money loans to acquire or improve commercial real estate.

Considerations:

• Risk of Foreclosure: Failure to repay can result in the lender seizing the property.

• Costly: The higher interest rates and fees can make these loans expensive over time.

• Exit Strategy Needed: Borrowers should have a clear plan for repaying the loan, such as selling the property or refinancing.

Conclusion:

Hard money loans offer a financing alternative for those needing quick access to capital or those who may not qualify for traditional loans. However, due to their higher costs and risks, they are generally best suited for experienced investors who have a solid plan for repayment.

…

A hard money loan is a type of short-term loan that is typically secured by real estate. It is primarily used in real estate transactions, especially by property investors, house flippers, or developers who need quick funding and may not qualify for traditional financing.

Key Features of Hard Money Loans:

1. Collateral-Based:

• The loan is primarily secured by the value of the property being purchased or refinanced, rather than the borrower’s creditworthiness.

2. Short-Term Duration:

• Hard money loans usually have terms ranging from 6 months to a few years.

3. Higher Interest Rates:

• Interest rates are generally higher than traditional loans (often 8-15%) because the loans are riskier for lenders.

4. Fast Approval Process:

• Lenders can approve and fund hard money loans much more quickly than conventional loans, often within days.

5. Less Stringent Requirements:

• Borrowers with lower credit scores or unconventional financial situations may still qualify, as the lender focuses more on the property’s value.

6. Uses:

• Often used for real estate investments, including fix-and-flip projects, land loans, construction loans, or as a bridge loan.

7. Loan-to-Value (LTV) Ratios:

• Hard money lenders typically offer loans with lower LTV ratios (e.g., 50-70% of the property value), requiring the borrower to contribute more equity.

While hard money loans are a flexible and quick financing option, their high costs and short durations make them best suited for specific scenarios rather than general use.

Yes, with capitalism ,,, you can have it all, with intelligent capital leverages!

Ride and surf the bitcoin wave!

Going from $250,000 to now over $2.6M?

Bitcoin — multiplied my wealth like At least 10x, maybe 12-13x?

Bitcoin. Spreading the gospel of bitcoin?