Healthy lifestyle healthy business ochsner pariseau 031009

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Hear about the real life stories that put successful entrepreneurs on the track to ruin by confusing the key measures of a successful business. Learn about the worst and best things to do to build your business capital structure. A healthy perspective on life and business will create a solid financial framework to build a sustainable, and bankable, business enterprise.

Published in: Economy & Finance, Business
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Healthy lifestyle healthy business ochsner pariseau 031009

  1. 1. Healthy Lifestyle, Healthy Business October 9, 2013 Scott Ochsner Patrick Pariseau
  2. 2. Concept: Financial positioning for the purpose of starting or growing a business takes time and is a behavior.
  3. 3. Positioning Issues: 1. 2. 3. 4. Capital – loan down payment Ability to service new debt Collateral to back a loan Ability to respond to an opportunity
  4. 4. 1. Capital: The wealth gap.
  5. 5. 2. Ability to Service Debt Top 1% Assets Debt Bottom 50% 35% 6% 7% 24%
  6. 6. 3. Collateral to back a loan 100 Year Stock Chart Early Automobile 100 Year Housing Price Early Cell Phone
  7. 7. 4. Ability to respond to opportunity Crisis lender to: • General Electric • Goldman Sachs • Dow Chemical • Bank of America The value of keeping some “dry powder”.
  8. 8. Depreciationist (80%) Capitalist (80%) No down payment Too much (junk) debt Invests in depreciable assets Exploitable – esp. in down mkts. Cash to expand Little debt and it is good debt Invests in appreciating assets Positioned to exploit

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