Sunday, June 30, 2019

Golden InfoNuggets - MAY - Business, CRE, Finance, Tech, Blockchain and AI

BUSINESS, COMMERCIAL REAL ESTATE, FINANCE and TECH GOLDEN INFONUGGETS

We use a powerful method of sharing - post #GoldenInfoNuggets on Social Media multiple times daily or in regular emails (every 5-15 days).  We’ve been sharing the essence of articles and a few powerful comments regularly.* 

Commercial Real Estate, Finance, Technology, Blockchain & AI


Andreas Senie (11 years - sales, real estate).  HILTON HOMEWOOD SUITES OPENS after YEARS of FAMILY COLLABORATION!  "May 2009, the Senie family gathered in Berlin MA for the second year working to obtain a zoning ordinance, for what today, is known as the Riverbridge Mixed Use Village.  May 2019, in partnership with Roedel Companies.  Riverbridge opened the doors of Hilton Homewood Suites. It is with tremendous pride we announce that of the 470,000 SF approved project there remains 50,000 SF of retail available thanks to the stewardship of Matthew Senie & Christopher Senie."  


It is tremendous when family can be so effective, such as you and partner Emmy of CRE Collaborative Inc creating your #WellDeveloped #Integrated #Broker / #Investor / #Developer / #Lender / #ServiceProfessional #Platform! #EARLY #FREE #ACCESS @ Lnkd.in/dedFk_p #commercialrealestate #bostonrealestate #cre #technology #analysis #business #data #startup #fintech #proptech #research #expansion #investment #smallbusiness #ai #blockchain #datascience #stem (edited - Comment -> Lnkd.in/egnTUiQ

RealQuantum.  "#BLOCKCHAIN APPLICATIONS IN REAL ESTATE SECTOR (#CRE #Technology #Analysis #Business #Data #Startup #FinTech #PropTech #Research #Expansion #Investment #SmallBusiness #AI #DataScience #STEM; edited - Bit.ly/2JhZ1u6):
  • Transaction registries and property rights.  Distributed registries can be used to record information such as registration of property rights and transactions.
  • Construction data storage and analytics.  Developers can comfortably make a multi-million dollar decision with help of accurate location data.
  • Voting.  Major decisions like repairs and landscaping of the local are often made through a vote."  Lnkd.in/euw7DdE
Underscore VC.  FUTURE of BLOCKCHAIN - Top 3 Factors Hindering Adoption.  "The how, when and who that will change everything are enlightened in an industry-wide survey, focusing on #CryptoCurrency, but applicable to the entire #technology (#Analysis #Business #Data #Startup #FinTech #PropTech #Research #Expansion #Investment #DataScience; edited; continuing in July - Lnkd.in/eksfSbn):
  1. Scalability - top problem. Josh Cincinnati thinks 'it is going to be an open question for probably the next decade,' and Gary Gensler says 'we’re multiple years away from it being scalable.'
  2. Regulation - Only 1.8% think it's clear, and continues to be one of the main challenges facing entrepreneurs building companies and protocols in the space. Unfortunately, there is no hard-and-fast solution besides patience to let case-law run its course, so don’t be surprised to see this coming up, again, and again for many years to come.
  3. Price Stability - wide-scale use of crypto for everyday transactions and many other use cases is volatility. In 2019, many saw this opportunity and began to take it on. But among survey takers, 56% don't use crypto for everyday goods - #Stablecoins could change this."  Lnkd.in/eMXX4Rw
Arsalan Khan  (17 years - IT consulting).  #DIGITAL #TRANSFORMATION (DT) #MYTHS (#Technology #Analysis #Business #Data #Startup #FinTech #PropTech #Research #Expansion #Investment #SmallBusiness #Blockchain #DataScience #MachineLearning #DeepLearning #STEM; edited; photo credit Lnkd.in/e3H6c27Lnkd.in/eWrY6_6):  
  • "DT and Business Transformation are the Same;
  • DT is only about Technology and Data; 
  • DT is a Specific Project; 
  • DT is Well Understood; 
  • DT does Not Affect Culture."
  • Additional Myth:  DT will be accurate, seamless and increase productivity.  Given lousy practice of beta testing software by the end-user vs before general release, the more ubiquitous the software, the more errors will be created, requiring higher- and higher-tech people to debug and solve the problems created.  Truly-great #AI will be required, but can it be developed fast enough?  Comment

Commercial Real Estate, Finance and Business


Liberty SBF (SBA 504 / Conventional / Bridge Loans).  NON-BANK #LENDERS (NBLs).  Good summary of how NBLs are essential to the #CRE #mortgage landscape.  They offer some banking services, but do not take deposits from its customers or the public.  Characteristics (#Analysis #Finance #Business #Data #Startup #Research #Expansion #Investment #SmallBusiness; edited - Lnkd.in/eEkcWWs):
  • "Adhere to #standards and best practices, but offer flexibility to better suit borrowers’ needs for faster, more efficient loan approval, as well as greater transparency.
  • Transactional, focusing on lending, not on promoting additional services, makes loans directly from its balance sheet.
  • More friendly to projects by smaller borrowers that fall outside of strict banking parameters, and ensure that borrowers feel comfortable and understand the loan process, driving the CRE deal to conclusion.
  • Specialists who better guide borrowers through the specific requirements of the SBA 504 loan process, reviewing each business in the context of its industry to underwrite them appropriately.
  • NBL decision-maker talks directly about the loan to get a good idea of whether or not the loan is likely to be approved without going through a lengthy process, with senior executives in local markets."  Comment
RealtyLink LLC"#LENDING SHOOTS UP in #OPPORTUNITYZONES (#Finance #Analysis #Business #Data #Startup #FinTech #PropTech #Research #Expansion #Investment #SmallBusiness; edited - Lnkd.in/eVbUhnc):
  • Freddie Mac sees a 180% increase as #funds target #multifamily #investments last year, when new tax breaks kicked in under the program;
  • 11.3%, were located in areas that are now designated as opportunity zones, characterized by high poverty and sub-par employment;
  • The increase escalates a trend form 2015 when Freddie Mac launched a small-balance loan program [$1-7.5M for 5+ units multifamily properties] - the effect on affordable housing was seen acutely in opportunity zones;
  • 2018 tax provisions allow for the preferential tax treatment of capital gains there;
  • Multifamily rental housing is expected to be a key target;
  • See latest list of all the Opportunity-Zone funds at Lnkd.in/esUNPwJ - about half focus on multifamily residential development, 91% on #CRE and 58% on community revitalization;
  • Funds range in size from $1M to $3M, average $215M;
  • Investor interest in this initiative is already high and will likely continue to grow as more investors become aware of the opportunities for financial gain and social impact."  Lnkd.in/eZCaKY5
Todd Tretsky (25 years - real estate finance)OPPORTUNITY ZONES "from our friends at Real Capital Analytics."  Robust Dec '18 article - many graphs and charts.  #Takeaway: "Before billions of dollars of tax-incentivized capital starts to flow into the 9,000 newly-designated #OpportunityZones, this analysis provides a baseline of the zones in terms of pricing, composition, ownership and scale."  #Technology #Analysis #Business #Data #PropTech #FinTech #Research #Expansion #Investment #Startup; edited; Comment -> Article
Inc Magazine.  "TIM COOK REVEALS HOW STEVE JOBS CONVINCED HIM to JOIN NEAR-BANKRUPT APPLE with POWERFUL THOUGHTS (#Technology #Analysis #Finance #Business #Data #Science #Research #Expansion #Investment #SmallBusiness #Startup; edited - Lnkd.in/eNHntnd):
  • Find a well-articulated, pressing problem to solve;
  • Look for springboards - finding ways to make things a notch or two better;
  • Take an experiential break - creativity is found out in the world;
  • Reconnect with those who buy and use what you sell;
  • Don't talk about building it - Build it!”  Comment
Sarajane Goodfellow (12 years - real estate).  #DENVER RANKED 3RD, BEHIND NYC and SF, for OFFICE ABSORPTION in 2018.  "Pretty impressive for a non-coastal city."  Article (Lnkd.in/e7q9aFM) requires a subscription, but since very active in Denver, we know the drivers (#CRE #Technology #Analysis #Finance #Business #Data #FinTech #Research #Expansion #Investment #SmallBusiness #AI #Blockchain #STEM #Startup): 
  • #HighTech talent galore;
  • Ultra-strong #Startup #Community; 
  • Reasonable #rents;
  • Wonderful #outdoors attractions;
  • Reasonable #tax #rates;
  • Three strong #universities in the metro area and many strong colleges in the state.  
Watch out though, the previous business-oriented #state (1999-2004, faded '05-'06, died 2007) #government momentum is being crushed by #Socialism, which means businesses will have to carry the load as well as fight government over-regulation, Denver's #SanctuaryCity choices and severe business restrictions. Comment

Andrea Lisi (17 years - financial academic).  TARIFF HIKE BENEFICIAL? (#Technology #Analysis #Business #Data #Startup #Expansion #Investment #SmallBusiness; edited - Lnkd.in/eNGZzKt).

"Nice chart on the top 10 items in US Imports from China that will move today from 10% to 25%, mainly about Consumer Discretionary Items. Two options, either Corporate America Profits will compress or they will pass the increase to the Consumer - neither option looks to me very beneficial for the US."  Response:
  • The tariff increase is on the base cost of the item, not the final price to the end buyer.
  • The top three will affect a combination of consumers and businesses.  
  • Expansion of US producers and startups will effect many industries and pocketbooks, and include workers, who will then buy more, etc, increase production scale and efficiency, and increase US tax income, reducing national debt (a bit).  
  • Sounds good to me.  Comment 
Roger Buswell (24 years - finance). 
BUILDING WEALTH through investments in real estate, one's own business, investment funds, advanced learning, etc is what we need to teach our progeny down to great grandchildren.  #CRE #Technology #Analysis #Business #Data #Startup #FinTech #PropTech #Research #Expansion #Investment #SmallBusiness #AI #Blockchain #DataScience #STEM - Comment -> Lnkd.in/ej9KF5k

Oleg Vishnepolsky (36 years - IT).  HIRING 50+ WORKERS - SMART BUT NOT NORMAL (good hiring story, Lnkd.in/ewjid6S)Our advice to living generations on careers / comfortable retirement (#Analysis #Finance #Business #Data #FinTech #PropTech #Research #Expansion #Investment #Startup #AI #Blockchain #DataScience #MachineLearning #DeepLearning #STEM #CRE; photo credit Lnkd.in/edaCyg2):  
  • #GenZs - conventional jobs will be gone soon, so: 
  1. Work job(s), be frugal, invest in rentals; 
  2. @ 30, raise your families while nurturing and adding rentals, using management companies, teaching your kids to invest;
  3. When kids are in college/trainings, build a business;
  4. Transition to your business full time, and partner/help other entrepreneurs; 
  5. Travel, build on everything you have and enjoy the next 30-40 years financially independent. 
  • #Millennials #GenXs #Boomers, Older:  
  1. Continue your career path as long as possible, staying up with #technology;
  2. Transition to consult, temp, broker, while helping entrepreneurs start and grow, sharing profits if possible.  Comment
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