Comments on: Howard's Bank

By: share tips

share tips — Thu, 18 Nov 2010 04:25:00 +0000

Could you imagine a world without banks? At first, this might sound like a great thought! But banks (and financial institutions) have become cornerstones of our economy for several reasons. They transfer risk, provide liquidity, facilitate both major and minor transactions and provide financial information for both individuals and businesses.
Running a bank is just as difficult as analyzing it for investment purposes. A bank’s management must look at the following criteria before it decides how many loans to extend, to whom the loans can be given, what rates to set, and so on:

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By: alena01

alena01 — Wed, 30 Dec 2009 14:24:53 +0000

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By: Anonymous

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By: howardlindzon

howardlindzon — Sun, 20 Dec 2009 23:04:27 +0000

No I don't want right of first refusal and I don't have to invest if I don't want to but I will buuild out the team to help manage the money on the back end.

By: WayneMulligan

WayneMulligan — Sun, 20 Dec 2009 23:01:34 +0000

Ok, so you're just extending the value chain for a typical VC/Angel model by tacking it onto a wealth management model (Investing in start-up = top of the funnel, wealth management = bottom of the funnel…capturing value in both the exit and post-exit investing returns…smart). However, you also said that “The next time you see the entrepreneur, he/she is asking for more money. WTF?”.

I think that's gonna happen anyway, regardless of how/who manages the entrepreneurs money after an initial exit. They might be able to carry their own angel round but once you're talking A or B rounds of funding, the entrepreneur will look for outside capital again.

I originally thought you were proposing copying the book publisher/record label model. You fund an entrepreneur/team and get right of first refusal to fund the next 2 – 3 start-ups they found. Is anyone doing anything like that? Has it been done with any degree of success?

By: howardlindzon

howardlindzon — Sun, 20 Dec 2009 18:04:00 +0000

No I don’t want right of first refusal and I don’t have to invest if I don’t want to but I will buuild out the team to help manage the money on the back end.

By: WayneMulligan

WayneMulligan — Sun, 20 Dec 2009 18:01:00 +0000

Ok, so you’re just extending the value chain for a typical VC/Angel model by tacking it onto a wealth management model (Investing in start-up = top of the funnel, wealth management = bottom of the funnel…capturing value in both the exit and post-exit investing returns…smart). However, you also said that “The next time you see the entrepreneur, he/she is asking for more money. WTF?”.

I think that’s gonna happen anyway, regardless of how/who manages the entrepreneurs money after an initial exit. They might be able to carry their own angel round but once you’re talking A or B rounds of funding, the entrepreneur will look for outside capital again.

By: Howard’s Bank [ Howard Lindzon ]

Howard’s Bank [ Howard Lindzon ] — Sun, 20 Dec 2009 07:37:04 +0000

[...] Howard’s Bank December 19th 2009 2:02am I would never call my bank Howard8217s Bank but I plan to havea bank for entrepreneurs The death of venture capitalists has been a topic of discussion ad nauseum on the web the last 1224 months Bad VC8217s die great ones evolve and as is the case in any industry some asshats that suck balls can From: howardlindzon.com [...]