Responding to a popular request, we are now sharing transcripts of our investor podcast interviews in this new series. The following interview with Joshua Posamentier was recorded in April 2020....
___
Faction CEO Luke Norris has executed a tremendously effective Bootstrap First, Raise Money Later strategy from Colorado. Sramana Mitra: Let’s start at the very beginning of your journey. Where are...
___
Pipo Saude, a Brazilian provider of healthcare services for businesses and their employees, has raised $4.6 million in a new round of funding to expand its footprint in Brazil.
“The company’s platform offers recommendations for the healthcare products that fit the team, enabling businesses to improve the quality of life of their employees,” said chief executive and co-founder, Manoela Ribas Mitchell. “We go all the way to the end beneficiaries.”
Pipo Saude helps companies price their insurance appropriately and bring down the medical loss ratio that companies suffer. Medical inflation in Brazil may be worse than in the U.S., with prices rising at around 20% per year.
Like the U.S., people in Brazil often default to hospitals and urgent care facilities when they’re sick or injured; that “urgent care culture,” as Mitchell calls it, drives up the cost for providers and employers. “We try to move the needle toward preventive care and specialist doctors,” Mitchell said.
Backing the company with a $4.6 million round are two of Latin America’s top investment firms — Monashees and Kaszek Ventures . OneVC, the San Francisco-based investment firm that also invests in Latin American tech companies, also participated in the round.
Pipo Saude makes money off of commissions and has a few corollaries in companies like Zenefits (in its earliest days), Amino or the Canadian care benefit management company, Mitchell said.
The company currently has about 30 employees on staff, and some of the new cash will be used to scale the business.
For co-founders Mitchell, Vinicius Correa and Thiago Torres, the healthcare market was an obvious choice when they looked to start their own company. Torres and Mitchell had known each other as students at the University of São Paulo, where they both studied economics. Mitchell and Torres both pursued careers in private equity, where Mitchell worked at Temasek and then at Actis, focusing on healthcare, while Torres also went to Agavia Investimentos.
Correa worked in startups, initially as an employee at Nubank, where he met Mitchell through a mutual friend.
While healthcare may be a tough knot to unravel — especially for a startup — the size of the Brazilian market alone is enormous. “We’re talking about a $50 billion revenue pool,” says Mitchell. “If we want to build a very robust product we have to focus on Brazil for quite a while.”
The unicorns are still at it, Vision Fund 2 or no Vision Fund 2.
This week, Instacart announced that it has raised fresh capital at a valuation north of $13 billion. And, on the tail of that news item, DoorDash is looking to add more cash at a valuation that could stretch to a pre-money valuation that exceeds $15 billion, according to The Wall Street Journal.
Both announcements make it plain that late-stage unicorns are still able to attract huge sums despite a putatively uncertain, if recently excitable IPO market.
It’s an interesting state of affairs, as the prices that super-late-stage unicorns are able to charge private investors push their valuations so high that only the largest and richest companies might be able to afford buying them. The result could be a closed M&A window that leaves only an exit hatch marked “IPO.”
Amazon, for example, paid around $13.7 billion for Whole Foods, a chain of U.S. grocery stores that the technology giant also uses as distribution points for parcel delivery. Instacart, the grocery delivery service, is now worth $13.7 billion as well.
As the private company’s final investors won’t want to merely break even on their investment, Instacart
In case you missed it, you can listen to the recording here: 489th 1Mby1M Roundtable June 11, 2020: With Vincent Diallo, Interlace Ventures
___
The global lockdown conditions have resulted in organizations stepping up their spending on cyber security solutions. Enterprise cloud security company Zscaler (NASDAQ: ZS) is benefiting from this...
___
Hello and welcome back to Equity, TechCrunch’s venture capital-focused podcast, where we unpack the numbers behind the headlines.
After a pretty busy week on the show we’re here with our regular Friday episode, which means lots of venture rounds and new venture capital funds to dig into. Thankfully we had our full contingent on hand: Danny “Well, you see” Crichton, Natasha “Talk to me post-pandemic” Mascarenhas, Alex “Very shouty” Wilhelm and, behind the scenes, Chris “The Dad” Gates.
Make sure to check out our IPO-focused Equity Shot from earlier this week if you haven’t yet, and let’s get into today’s topics:
Instacart raises $225 million. This round, not unexpected, values the on-demand grocery delivery startup at $13.7 billion — a huge sum, and one that should make it harder for the well-known company to sell itself to anyone but the public markets. Regardless, COVID-19 gave this company a huge updraft, and it capitalized on it.Pando raises $8.5 million. We often cover rounds on Equity that are a little obvious. SaaS, that sort of thing. Pando is not that. Instead, it’s a company that wants to let small groups of individual pool their upside and allow for more equal outcomes in an economy that rewards outsized success.Ethena raises $2 million. Anti-harassment software is about as much fun as the dentist today, but perhaps that doesn’t have to be the case. Natasha talked us through the company, and its pricing. I’m pretty bullish on Ethena, frankly. Homebrew, Village Global and GSV took part in the financing event.Vendr raises $4 million. Vendr wants to help companies cut their SaaS bills, through its own SaaS-esque product. I tried to explain this, but may have butchered it a bit. It’s cool, I promise.Facebook is getting into the CVC game. This should not be a surprise, but we were also not sure who was going to want Facebook money.And, finally, Collab Capital is raising a $50 million fund to invest in Black founders. Per our reporting, the company is on track to close on $10 million in August. How fast the fund can close its full target is something we’re going to keep an eye on, considering it might get a lot harder a lot sooner.And that is that; thanks for lending us your ears.
Equity drops every Friday at 6:00 am PT, so subscribe to us on Apple Podcasts, Overcast, Spotify and all the casts.
Sramana Mitra: What is the level of adoption and penetration into this particular marketplace? How big is the market? How many kinds in that age group are there in America? What percentage of that...
___
Twitter has identified three new major state-backed disinformation networks, the social media company announced in a blog post on Thursday.
The networks, which have now been placed in Twitter's archive, appeared to be state-run operations from China, Russia, and Turkey.
All three networks were used to spread messages favorable to their respective governments, and in Russia's case to attack political dissidents.
The Chinese state-backed network was by far the largest of the three. Twitter disclosed 1,152 and 7,340 accounts for Russia and Turkey respectively, and 23,750 for China.
These 23,750 accounts only make up what Twitter calls the "core" of the state-backed operation, writing tweets to be disseminated. These were in turn picked up by some 150,000 "amplifier" accounts.
"Of the approximately 150,000 amplifier accounts, the majority had little to no follower counts either and were strategically designed to artificially inflate impression metrics and engage with the core accounts," Twitter said. Twitter did not disclose all the 150,000 amplifier accounts on the advice of researchers.
This vast network tweeted predominantly in Chinese languages and was "spreading geopolitical narratives favorable to the Communist Party of China (CCP), while continuing to push deceptive narratives about the political dynamics in Hong Kong."
Pro-democracy protests regained traction in Hong Kong in May after Beijing brought in sweeping new legislation to reduce the region's autonomy. Some saw this as a retaliation to the six months of protests which took place in the first half of 2019 in reaction to an extradition bill.
Byta, the music sharing service for pre-releases and other use cases where there is a need to share sound files privately, has picked up around $1.4 million in seed funding.
The round was led by the Canada Media Fund, with participation from of private investors. They include musician Scott Kannberg, one of the original members of 90s indie rock band Pavement, whom I’m told discovered Byta as a user of the service.
Launched as an MVP in 2015, today Byta describes itself as “the platform for music before it’s on streaming services.” The service lets anyone send and receive digital audio in a “clean, simple and secure way,” and is said to be used by bedroom artists to large record companies for sharing music files during the pre-release process and for collaboration, such as with bandmates, labels, promoters, writers and DJs, etc.
“Throughout the music ecosystem, everyone is privately sharing audio files and streams, long before tracks and albums are released on streaming services and pressed to vinyl,” explains Byta co-founder and CEO Marc Brown, who has worked in the music industry for 25 years.
“An artist’s music is their currency, and when recipients are not able to listen effortlessly, they will move on. The more time that is taken up by technical delays, the less time there is for listening. Though hard to believe, these simple tasks are difficult to accomplish efficiently on a desktop, and virtually impossible on mobile. Byta enables anyone in the music ecosystem to send and receive digital music in a clean, simple and secure way, on desktop and on mobile.”
With regards to use cases, Brown says producers and artists of all sizes use Byta to quickly swap tracks in the studio, and that managers and larger labels use the platform to securely share high-profile releases with key contacts across the music industry. “Byta is music’s first vertical SaaS, meaning our market is the whole music ecosystem,” he says.
To that end, Byta is competing most directly with generic file-sharing services, such as WeTransfer and Dropbox, along with artist streaming platforms like Soundcloud.
Adds the Byta CEO: “Unlike our competitors, Byta is built specifically for music. Byta is the only platform which takes advantage of audio files unique properties: embedded metadata, audio quality and streamability.”
Good morning! This is the tech news you need to know this Friday.
Former Facebook chief product officer Chris Cox will return after a year-long absence to his previous role at the company, which includes overseeing the main Facebook app, Messenger, Instagram, and WhatsApp. Cox, one of Mark Zuckerberg's top lieutenants, left in March 2019 over "artistic differences" with the CEO over his plans to make Facebook more privacy-focused.Microsoft President Brad Smith says the company does not sell facial recognition to US police departments and committed not to unless a nationwide law is passed to regulate the technology. Smith's comments follow similar announcements from IBM and Amazon.Snap CEO Evan Spiegel addressed concerns of racism at the company during a company all-hands on Tuesday but said he would not release diversity numbers, sources told Business Insider. Snap's decision not to release diversity reports is a break from major tech companies, which have generally released their diversity numbers to the public.Joe Biden's campaign has demanded that Facebook fact-check political ads and crack down on misinformation. Facebook is refusing, arguing that it's up to elected officials to decide the rules on political advertising and campaigning.Sony will launch the PlayStation 5 during the 2020 holiday season with a standard model and a digital edition with no disc drive. Upgrades include a solid-state hard drive and a graphics card capable of ray-tracing technology.The secretive data analytics firm Palantir is preparing to file an S-1 ahead of a potential September IPO, Business Insider has learned. The IPO prep, first reported by Bloomberg, has been long anticipated at the 17-year-old company whose earliest backers include Peter Thiel's Founders Fund and In-Q-Tel, the investment arm of the US intelligence and defense communities. Mark Zuckerberg and Priscilla Chan responded to criticism over Facebook's moderation policies following a letter written by dozens of scientists who receive funding through the Chan Zuckerberg Initiative (CZI). Chan and Zuckerberg said that while they are "deeply shaken and disgusted by President Trump's divisive and incendiary rhetoric," Facebook operates independently from CZI and follows its own policies on moderating the platform.Tim Bray, the senior Amazon engineer who resigned in protest in May over the company firing internal critics, on Thursday said the company should be broken up. Bray was speaking during a union meeting on Zoom attended by Amazon warehouse workers, engineers, and organizers.Online events platform Hopin is in talks to raise around $40 million in fresh funding led by Institutional Venture Partners (IVP), according to two market sources with knowledge of the deal. Hopin is only a year old and has yet to publish its first financials, but appears to have attracted frenzied interest from backers as the coronavirus puts paid to conferences and live events.A customer is suing Apple for $1 trillion over claims that the company stole his iPhone after he brought it in for a repair. Raevon Terrell Parker claims that Apple kept the phone because it had "new features" that were used to aid in the development of iOS 12.Have an Amazon Alexa device? Now you can hear 10 Things in Tech each morning. Just search for "Business Insider" in your Alexa's flash briefing settings.
You can also subscribe to this newsletter here â just tick "10 Things in Tech You Need to Know."
Mark Zuckerberg and Priscilla Chan responded to criticism over Facebook's moderation policies, saying that they are "deeply shaken and disgusted by President Trump's divisive and incendiary rhetoric" on the platform.Â
Zuckerberg and Chan were responding to a letter sent out by more than 140 scientists who receive funding through the Chan Zuckerberg Initiative (CZI). In the letter, the scientists argue that Facebook's policies are "directly antithetical" to the Initiative's mission statement and that the "spread of deliberate misinformation and divisive language" on the platform goes against what the initiative stands for.
"The spread of news that is not vetted for factual accuracy leads to confusion and a mistrust of experts," the scientists said.
"Like many, we were disconcerted to see that Facebook has not followed their own policies in regards to President Trump, who has used the Facebook platform to spread both misinformation and incendiary statements," they added.
They specifically cited Trump's May 29 Facebook post where he stated: "when the looting starts, the shooting starts," which the scientists say "is a clear statement of inciting violence."
In contrast, Trump posted the same statement to Twitter, where it was flagged for "glorifying violence," and put behind a content warning.
Dozens of Facebook employees walked out in protest of Trump's posts and called out the social media company for not taking action against the incendiary statements.
In the letter written by Chan and Zuckerberg, which was shared to Twitter by Recode reporter Teddy Schleifer, the billionaires say that while they are "deeply shaken and disgusted by President Trump's divisive and incendiary rhetoric," Facebook operates independently from the organization and follows its own policies on moderating the platform.
Â
"We take your concerns seriously and to heart," the letter says.
"And personally, like you, we are deeply shaken and disgusted by President Trump's divisive and incendiary rhetoric at a time when our nation so desperately needs unity," they continued.
"Although CZI and Facebook are entirely separate and independent organizations with different missions and teams, we do share the same co-leader. And in this moment, we understand that CZI's relationship with Facebook is not an easy tension to bridge."Â
The letter linked to a status update shared by Zuckerberg in which he explained that Trump's post was left up on the site because he referenced deploying the National Guard, and "people need to know if the government is planning to deploy force."Â
Still, Chan and Zuckerberg said that Facebook's decisions are "not the decisions of CZI as an organization. Nor will Facebook ever dictate how we at CZI approach our mission, work, or partnerships."Â
They also pledged to "redouble" efforts as a philanthropic organization to address racial injustice.Â
Zuckerberg last week said the company was exploring ways to address feedback they received from the community on how they can improve their policies, including reviewing Facebook's policies "allowing discussion and threats of state use of force."Â
Both Chan and Zuckerberg have recently spoken out in support of the protests against police brutality spurred by the May 25 death of George Floyd.
You can easily set up automatic email forwarding in Yahoo Mail, which lets you send a copy of incoming messages to Gmail or any other type of email service.
Automatic email forwarding can come in handy if you are trying to consolidate all your email to a single account, or if you want to delegate your messages to another person and need to automatically forward all new messages there.Â
The step-by-step instructions below are for forwarding Yahoo Mail to Gmail, but is widely applicable to any email service.
1. Open Yahoo Mail in a browser window and click the Gear icon at the top right of the page, under the Home icon. If the browser window is wide enough, the gear will be labeled "Settings."
2. Click "More Settings."
3. In the pane on the left, click "Mailboxes."
4. Under "Mailbox list," click the Yahoo email account that you want to forward.
Select your Yahoo email account from the list of mailboxes. Dave Johnson/Business Insider
5. In the Forwarding section, enter the email address where you'd like your Yahoo email to be sent, and then click "Verify."
After you enter your Gmail address, you'll need to go to Gmail and complete a few steps to verify you want to forward email there. Dave Johnson/Business Insider
6. Go to the account where you're forwarding your mail. You should see a new email from Yahoo asking you to confirm that you want to forward your email there. This prevents anyone from maliciously or accidentally forwarding email to an account that doesn't want the messages. Confirm that you want to forward the email. Your Yahoo Mail is now automatically forwarding to Gmail.
You can cancel email forwarding by returning to this same Yahoo Mail menu and clicking "Remove."
Many email clients can archive old emails, and Microsoft Outlook is no exception.Â
Archiving an email moves it from your inbox into a designated folder created by your email client, where it's easily accessible but out of sight. The feature helps you save the messages you might need without choosing between trashing them or a clogged inbox.Â
The process of archiving an email in Outlook only takes a couple of clicks. Since archiving is meant to move emails from your inbox into your archive folder, you'll need to be logged in to your Outlook account and have your inbox open. You currently can't archive emails from other folders, such as your drafts or sent folders.Â
If you want to clean up your inbox, here's how to archive an email on Outlook in four easy steps.
1. Select the email in your inbox that you want to archive.
2. Click the "Archive" button located along the top menu bar of your inbox.Â
3. To view archived emails, click on the "Archive" folder on the left side of your inbox.Â
When TikTok first came out, one of its biggest features was duets. These gave you the ability to record your own video alongside someone else's.Â
In the early days, this meant that you could sing a duet with Idina Menzel or Michael Buble. Now, people have found all sorts of ways to utilize the duet feature.
You can use it to react to people, to create comedic dialogues with your friends, or to show two different perspectives of the same event. You can even duet with yourself. The possibilities are limited only to what you can imagine.
If you want to duet with someone on TikTok â including yourself â that person has to have duets enabled in the privacy section of their profile. If they don't, when you try to make a duet with one of their videos, you'll get a notification telling you that you can't.
Otherwise, though, making a Duet video on TikTok is very simple â here's how to do it, using the app for iPhone and Android devices.
1. Open TikTok and find the video you want to duet with.
2. At the bottom of the sidebar menu on the right, tap the sharing button â it looks like an arrow pointing to the right.
3. At the bottom of the "Share to" menu that pops up, tap "Duet." If it's grayed out, that person has disabled Duets on their account.
4. Tap the red button at the bottom of the screen to start recording your video. Yours will appear on the left â the other person's will appear on the right.
5. When you're finished, tap the check mark to the right of the recording symbol.
6. Check your duet to make sure it's to your liking, then add any stickers or effects you may want and post it like you would with any other TikTok video.
If brevity is the soul of wit, then TikTok is pretty witty.Â
One of TikTok's defining features is its length limits. Videos shared on TikTok can be anywhere from one second to one minute long, and the app gives users precise control over how long their clips are.
However, these controls aren't always the easiest to use or understand.
Whether you just shot a video in the TikTok app on your iPhone or Android, or you want to upload a video from your phone's library, here's how to trim it to the perfect length.
1. Shoot your video in TikTok, then after stopping the recording, tap the red checkmark icon.
2. Tap the word and icon for "Adjust clips" near the top-right of the screen.
3. A bar will appear at the bottom of the screen, containing your clip. Use the red sliders on either side to change the start and end time of the clip, then tap "Save" in the top-right.
4. Tap "Next," then select your posting options and hit "Post" or "Drafts" to save the file.
1. Open the TikTok app and tap the plus icon in the bottom-center of the screen.
2. Tap "Upload" in the bottom-right, find and tap the video you want to add from your phone, and then tap "Next."
3. Use the red sliders at the bottom of the screen to change the start and end time of the clip, then hit "Next."
4. Add any effects or music you want, then post or save the video to your drafts.
Â
Secretive data analytics firm Palantir is preparing to file an S-1 with plans to go public in September, according to a person familiar with the company, who spoke on the condition of anonymity because they were not authorized to speak on the matter.
The timing could shift pending market conditions.Â
The IPO prep, first reported by Bloomberg, has been long anticipated at the 17-year-old company whose earliest backers include Peter Thiel's Founders Fund and In-Q-Tel, the investment arm of the US intelligence and defense communities.Â
A spokeswoman for Palantir declined to comment.
It's unclear which banks are working on the S-1. The company is still debating whether to have a normal public offering or to go public through a direct listing, according to Reuters.
Palantir is also working with bankers on a tender offer for private shareholders which would clean up its cap table, according to Bloomberg.
Palantir's turn to the public market comes five years after its last funding round, which valued the company at $20 billion. The company, which sells customized data analytics tools to corporations and the government, has struggled to live up to that valuation in recent years, as shares of the company flooded the secondary markets at a major discount.
Earlier this week, Palantir adjusted its strike price for employees down from $6.03 to $4.72 per share to lower the cost for employees to buy the options that are part of their compensation, Business Insider reported.
Earlier this year, secondary shares of the company regularly sold at a valuation between $8 billion and $12 billion, two investors told Business Insider in February. Around the same time, the secondary-share marketplace EquityZen offered Palantir shares for just $4.85, for an implied valuation of $8.9 billion, according to an offering viewed by Business Insider.
During this week’s roundtable, we had as our guest Vincent Diallo, Managing Partner at Interlace Ventures, a fund focused on Retail Tech. Yotta SecureAs for entrepreneur pitches, first up was Sunil...
___
Asynchronous chat apps like Slack have done their best to kill email, but maybe the key to chat replacing email is just making email look like chat? That’s the idea of Spike, a productivity startup that has built an email app that organizes emails into chat bubbles with an interface that encourages users to keep it short and simple.
Spike’s software began with a focus solely on re-skinning the email experience, but today they’re also launching support for collaborative notes and tasks into their interface as they look to provide a cohesive solution for productivity. The company is fitting an awful lot of functionality into one window, but they hope that streamlining these apps together can leave users spending less time tabbing through separate windows and more time getting stuff done.
“Email is a collection of your tasks, so why should it be separated from where your other tasks are?” asks CEO Dvir Ben-Aroya.
The new functionality widens the ambitions of the software but also refocuses the app on a more complete business use case. Ben-Aroya admits that the company hasn’t pushed monetization very hard in the past, instead looking to scale up its base of free users in an effort to eventually scale up inside organizations. As the app looks to bring small businesses and larger enterprises onboard, the app is keeping its free tier, but to get past limits on message history and note/task creation users are going to have to upgrade to a $7.99 per month per user plan ($5.99 per month when billed annually).
Alongside its product news, the startup also shared today that it has raised $8 million in a Series A round led by Insight Partners . Wix, NFX and Koa Labs also participated in the round. The company plans to use the cash to aggressively scale hiring and double its team this year.
“[W]e see a massive addressable market for centralized communication hubs to connect disparate messaging channels,” Insight Partners VP Daniel Aronovitz said in a statement. “The current climate and associated macro-tailwinds behind remote teamwork have only strengthened our belief that there is a sizable and growing demand for digital collaboration tools.”
The company’s platform is compatible with most email services and the app is available on Android, iOS, Mac and Windows.
Email startups are often privy to some of a user’s most sensitive data and can receive a lot of inquiries regarding privacy. As a result, Ben-Aroya believes his company is far ahead of competitors when it comes to safety. “Unlike many other available email clients, we’re never touching, manipulating, using, reusing or selling any part of the user data,” he says.
Spike has raised $16 million in funding to date.
Companies increasingly recognize that one of the greatest stresses for their employees is financial wellness. Even at innovative tech startups, people typically bump up against the limits of how much they know about wealth management pretty fast.
But providing financial education to a workforce, which has become increasingly common, is largely useless as most employees will tell you. The information can be hard to navigate, and it’s often not personalized in a way that addresses an employee’s circumstance and goals, which change over time depending on whether they are a recent graduate, getting married or even eyeing retirement.
It’s why so many employed people look to outside apps to both better understand their financial picture and to actually manage it.
It’s also a missed opportunity, according to a growing number of founders who are working to convince employers to move beyond education and instead offer automated financial planning (with a dash of human involvement) as an employee perk.
Their understandable argument: While offering benefits around fertility, family planning, and mental health are wonderful, companies are missing out on the chance to address the very top priority for their employees, which is how to avoid financial trouble.
Origin, a year-old San Francisco-based company led by Matt Watson — whose last company was acquired in December — is among the newest entrants to make the case.
Freshly backed by $12 million in funding led by Felicis Ventures, with participation from General Catalyst, Founders Fund and early Stripe employee Lachy Groom, among others, Origin wants to become the place where employees can track financial milestones, get professional advice from licensed financial planners, and take action, whether it be paying down student debt, building emergency savings or finding the right home and automotive insurance.
Currently staffed by 32 employees, six are financial planners, and they can handle the unique circumstances of “mid thousands of people,” says Watson, who notes that after an employee initially sets up a plan, much can be automated until a life event changes the picture.
“If you use just the tech, you’re only getting limited information,” he says, adding that access to Origin’s planners is “unlimited.”
The company already has 15 customers with between 250 and 5,000 employees, including the social network NextDoor; the cloud communications and collaboration software platform Fuze; and Therabody, whose Theragun therapy tool is used by pro athletes and trainers to pulverize their aching muscles.
All are paying $6 per employee per month because it doesn’t matter how much employees are making, says Watson. “The thing about financial stress is that it impacts everyone pretty evenly. The greater your income, the more stuff you buy.”
Considering that employees spend an estimated two to four hours each week dealing with their personal finances, an offering like Origin’s seems like a no-brainer for employers looking to both improve employee productivity and employee retention.
Indeed, the only thing holding back such offerings earlier in time were the kind of open banking APIs that exist today.
Now, the biggest challenge for Origin is to capture employers’ attention ahead of the competition. For example, another startup that’s also developing financial planning services as an employee perk is Northstar, founded by Red Swan Ventures investor Will Peng. More established players like Betterment that have long catered to individual investors are also focusing more on building up ties to employers that can use their offerings as an employee resource.
Either way, the trend is a positive one for employees, who are right now living through an economic roller coaster and could more generally use a lot more help with both staying afloat and saving for the future.
“Everyone struggles with finances,” says Watson, who worked in high-yield credit trading at Citi in New York before moving to San Francisco to start his last company. “I’m supposed to understand this stuff, and it’s complicated for me.”
Copyright © 2020 iStart Valley.
