Recently I wrote an article at the National Review on why the new SEC regulations allowing unaccredited investors to invest in equity offerings from unlisted startups is unambiguously a good thing. As I argue,
the SEC has removed yet another hurdle in the evolution of our financial system toward a decentralized and democratized future, in which banks matter less and individual investors and entrepreneurs matter more.
Whether peer-to-peer lending is set to disrupt the banks or whether they will just be another customer acquisition channel for the banks is a hotly debated topic. The truth of the matter is that the assumptions underlying this debate are misplaced. …
The peer-to-peer lending sector in the United Kingdom is much larger than the equity crowdfunding sector. There are many reasons for this, not least of which is the significant demand from consumers and small businesses for credit that is not fulfil…
Borrowing against gold jewellery has been a fairly expensive proposition in the UK. Yes, there are many tempting offers from bullion dealers and cash for gold institutions offering cash to buy gold, but the lending rates on them are usurious. High …
