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Hey investors and entrepreneurs,

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Here are the reads, clicks, and listens to send you into the weekend...

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• Misconceptions about Private Credit.
• Traders who can tell the future still lose.
• Why is Greenland so important?
• How to play small caps.
• A WordPress alternative?
• Is AI investment worth it?
• New copyright rules for AI images.
• & loads more of the good stuff below.

But first... a question for the investors:

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If you hit "other", remember to reply and let us know!

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For the Investor

🤑 3 Misconceptions About Private Credit: What Investors Need to Know - Private credit is built for steady, predictable income, usually around 9-11%, with solid downside protection. Most loans are senior secured, so if things go sideways, they still recover well. It’s been around way longer than people think, and it can perform in all market environments.

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🤑 Inside the race for Greenland's mineral wealth - Greenland is loaded with gold, copper, and rare earths, but actually digging the stuff up is a slow and expensive grind. Harsh weather, crazy-high costs, and a ton of government red tape make mining a tough business. The locals aren’t convinced it’ll bring them jobs or cash, but the government hopes it’s the ticket to gaining independence from Denmark.

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🤑 An investing experiment let traders see headlines a day in advance—1 in 6 of them went broke - Even when traders saw headlines 36 hours early, most still lost money, and 1 in 6 went broke. Short-term market moves are unpredictable, even with an edge, because reactions aren’t always logical, and bet sizing is hard. Long-term, boring investing wins, but if you want to gamble, at least use money you can afford to lose.

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🤑 The Best Way to Play Small Caps (and It’s Not the Russell 2000) - The Russell 2000 is basically a club that kicks out its best members just as they start making real money, which is a terrible way to build wealth. Small-cap investing works when you find winners and actually hold onto them instead of letting some broken index boot them out. A smarter move is picking the best, keeping them as long as they stay sharp, and only dropping them when they actually lose their edge—not just because they got too big.

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🤑 The Fartcoin stage of the market - The latest crypto mania makes 2021 look rational by comparison. Speculative meme coins like Fartcoin have hit billion-dollar valuations despite serving no purpose beyond pure hype. Smart money seems to be cashing out while retail traders pile in, proving once again that stupidity is undefeated in financial markets.

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For the Entrepreneur

🤑 Why We're Quitting Wordpress in 2025 - Some claim WordPress isn’t the no-brainer it used to be. The “free” part can get expensive fast, and dealing with plugins and performance issues is a pain. Some claim Webflow and Bricks make design and development smoother, with less headaches.

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🤑 Canada secures 30-day pause on tariffs threatened by Trump - a 30-day pause on Trump’s tariffs to both Canada and Mexico after committing to stricter border enforcement. Markets reacted and stabilized after both countries negotiated temporary delays. Trump raised concerns about Canada’s banking restrictions, while economists warned of potential economic fallout if tensions escalate.

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🤑 Be Water, My Friend - Discipline, adaptability, and simplicity define both martial arts and personal finance. Bruce Lee’s philosophy of fluidity applies to money just as much as combat—rigid plans break under pressure, while flexible strategies endure. Wealth isn’t built through complexity or force but through steady application, humility, and the ability to bend without breaking.

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🤑 Is AI Worth the Investment? Calculate Your Real ROI - AI can be a solid investment, if done right, some see a full payback in under a year. The trick is starting with easy wins, keeping costs in check, and making sure you’ve got the right people on board.

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🤑 GenAI is telling your brand’s story — with or without you​
- If you ignore AI, it’s going to tell your story anyway, and probably not how you want. Brands that put out clear, well-ranked content have a much better shot at AI saying the things they want said. Keeping an eye on AI results and tweaking your content can help make sure your brand story stays in your hands, not an Ai guess.

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Invest in "Boring" Businesses ​ "Boring" businesses are gaining favor for a reason. ​ Dry cleaners, HVAC, machine shops, home services. ​ Unlike their venture capital counterparts, good small businesses are cash flow positive. ​ Immense pricing power, actual profits, and decades of successful operations. ​ Eventually, though, these businesses must be sold. ​ When they do, acquisition entrepreneurs take the helm. ​ They raise capital from investors, acquire the company, and run it with fresh eyes. ​ This lets investors earn the returns of "boring businesses", without operating them. ​ But, where can you find these deals? ​ Enter CapitalPad - a platform connecting accredited investors directly with SMB acquirers. ​ ​ 👉 CapitalPad.com/invest​

• ​The US Copyright Office's new ruling on AI art is here - and it could change everything - AI-generated works can't be copyrighted unless a human adds significant creativity. Existing law is enough, and cases will be judged individually.
• ​21 Super Effective Habits of Highly Successful People - Highly effective people push limits, focus deeply, own their choices, and keep learning. They value relationships, and move with purpose.
• ​Why Self-Improvement Needs a Software Update - The usual self-improvement buzz feels off in a world on fire. Maybe 2025 is the year to drop the hacks.​
• ​How a Health Department led by RFK Jr. could throw the advertising industry into turmoil - Kennedy wants to ban pharma ads on TV, threatening billions in revenue and messing up how drugs reach consumers. Big Pharma and the ad industry will obvs fight it.
• ​The Power of Unlearning: The Science of Changing Your Mind - People resist changing their minds due to bias, ego, and sunk costs, often at the expense of sound business decisions.

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​Lessons in Allocating to Alternative Asset Classes: Alternative investments like private equity, venture capital, and hedge funds, can juice returns and diversify your portfolio, but they come with long lock-ups, high fees, and less liquidity. Big investors put up to 50% into these, but for individuals, picking the right funds and having enough capital is key. Access is getting easier, but success takes patience, research, and a long-term mindset.

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​Apple | Spotify​

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At the Money: Lessons in All... Jan 15 · Masters in Business 18:11   ​

• ​Frames: Runway’s latest image generation model, designed for enhanced stylistic control and visual fidelity. It allows creators to define and maintain a consistent aesthetic while exploring creative variations. The model is gradually being integrated into Gen-3 Alpha and the Runway API, enabling seamless creative workflows. Frames can generate diverse styles, from classic cinema portraiture to 1980s SFX makeup, retro anime, and experimental album art. Plus, they’ve built in safety measures to keep things responsible.

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• ​Open Deep Research: an open-source tool that helps you quickly pull together AI-powered research reports from web searches. A more flexible alternative to Gemini Deep Research. You can choose which AI model (Google, OpenAI, or Anthropic) does the analysis. It also lets you filter results by time, pull in content from web pages, and export your findings in different formats . It also has a Knowledge Base to save and revisit your past research.

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If you're not a member click the link above☝️and join a private, vetted community for experienced entrepreneurs and investors...

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Come see where we're hangin' out!

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❌ No hype ❌ No BS

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Members, here are some of the threads you may have missed…

• Taylor gives us a look at a 3 year correlation between equities and bonds at it's highest levels since 2000.
• Tommy tries to wrap his head around everything that has happened in the United States the last 2 weeks.​
• Shaurya gets advice on whether to learn about investing right now or wait till I have at least 1 million USD in the bank, and keep growing his business.
• Taylor opens up about 'life refactoring' and going through and just getting his shit organized.
• Geoff wondering if a stretch lab is worth it, other share experiences.
• Travis shares some resources about why Nvidia is crashing and group had a lot to say.​

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Upcoming Fireside Chat with Della Kirkman Feb 11, see the event page for details.

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A new section called The Vault, is where you'll find any epic and value bomb post/thread immortalized.

In Snowball...

Snowball member retreat in Las Vegas being planned for Spring - more info here.

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• Upcoming group calls:
  • More Fireside chats coming up.
  • A special wealth chat.
  • A monthly crypto chat.
  • A monthly Ai chat.
  • Monthly group M&A chat where members discuss deals and opportunities they're seeing.
• More excellent Fireside chats lined up - stay tuned.
• Members can access recordings of all our Fireside Chats anytime here.​
• You'll also find investing opportunities for members to take advantage of.

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Join Snowball.

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Disclaimer: Not financial, investing or tax advice. This newsletter is strictly for information, entertainment and education purposes. Nothing in here is investment advice or a solicitation to buy or sell any assets or to make any financial decisions. This newsletter is not tax advice. Talk to your professional advisors. Do your own research. There will also be affiliate links in here from time to time because we like free money.