Blog & Resources
Educational content about investment circles, financial collaboration, and building wealth together
FEATURED
COMMUNITY FINANCE
January 2025
12 million Americans use payday loans each year, paying an average of $520 in fees for a $375 loan at 300-400% interest rates.
Learn how your circle can provide fair salary advances at 8-12% instead, helping families break the debt cycle while building repayment history.
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GUIDE
January 2025
Starting an investment circle with trusted friends or family members can be a powerful way to build wealth together.
This comprehensive guide walks you through the steps to create, manage, and grow a successful Circle.
Key Steps:
- Choose Your Members: Select 5-10 trusted individuals who share your financial goals
- Define Your Purpose: Decide what you want to achieve (mortgage payoff, business investment, etc.)
- Set Contribution Rules: Determine monthly contributions and ownership structure
- Establish Governance: Create voting rules and decision-making processes
- Use Technology: Leverage Circles platform for transparency and tracking
- Start Small: Begin with a small deal to build trust and experience
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BEST PRACTICES
January 2025
Effective governance is crucial for maintaining trust and ensuring your Circle operates smoothly.
Learn the best practices for decision-making, conflict resolution, and maintaining transparency.
Clear Rules
Document all rules, contribution amounts, and decision-making processes upfront.
Transparency
Use the Circles platform to track all transactions and decisions in real-time.
Regular Meetings
Schedule monthly or quarterly meetings to review progress and make decisions.
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EDUCATION
January 2025
Ownership in a Circle determines how profits and returns are distributed. This article explains
different ownership models and how to calculate fair ownership percentages.
Ownership Models:
- Equal Ownership: All members own equal shares regardless of contribution
- Proportional Ownership: Ownership based on contribution amount
- Time-Weighted: Ownership based on how long funds have been invested
- Hybrid Models: Combination of factors (contribution + time + role)
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TAX & LEGAL
January 2025
Understanding tax implications is crucial when operating an investment circle. This guide covers
common tax scenarios and when to consult with a tax professional.
Important:
This article is for educational purposes only and does not constitute tax advice.
Always consult with a licensed tax professional for your specific situation.
Key Topics:
- How distributions are taxed
- K-1 forms for partnerships
- 1099 forms for interest income
- Deductible expenses
- Record keeping requirements
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