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Personal Finance

Everyone Can Learn Angel Investing Using Kiva

“How do you get started in angel investing?” I’m often asked this question by friends who want to invest in startups. My default answer is “Don’t do it.” Angel investing can be fun, but being successful requires time, effort and learning. Most startups fail, and returns follow a power law distribution making access to deal flow critical. […]

10 Financial Lessons for my 18 Year Old Self

Here are 10 financial lessons I’ve learned in the past 10 years that I wish I could tell my 18 year old self. Start with the proper framework of accounts: Checking Investment (retirement) Long term savings (wedding, house, car) Short term savings (vacation) Guilt free spending (clothes, dining out, and gadgets) Emergency (three months of […]

Vesting: Thinking Short vs Long Term

Conventional wisdom says that it’s in the company’s best interest to vest/defer the proceeds of an acquisition. It keeps the person incentivized to work on the company’s problems as the person unlocks their value over time.  The vesting schedule is usually 1-3 years, with payments being made monthly, quarterly, or sometimes annually. Companies spend too […]

Adam McNamara