April 15, 2013

Debt Ratio Calculator
I just released the debt ratio calculator online after putting some final touches this week. Most of the logic and the code was written last weekend during the FinTech Hackathon. While the code was written during a 2-day period the idea was with me for a while, and I’m glad that I finally was able to write it. This is just the first version of it, in the future I want to put in other enhancements such as supporting international countries and actually sending information to loan based websites instead of just pointing users to the debt crowdfunding websites….

March 21, 2013

The year 2012 has been an amazing year for crowdfunding due to the passing of the Jumpstart Our Business Startups (JOBS) Act and a global explosion of crowdfunding sites. Two major trends currently dominate the industry: platform consolidation and niche platform development. One of the earlier examples of consolidation occurred during the summer of 2012, when EarlyShares bought HelpersUnite. More recently, two UK reward-based platforms, Crowdfunder and, merged to defend their turf against KickStarter. An explosion of niche platforms for a specific region, category, or demographic was fueled by white label solutions such as Launcht,, the open source…

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