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Posts by Ricky Nave

link to The $1 Billion Question: Did AT&T Poison People with Underwater Lead Cables?

The $1 Billion Question: Did AT&T Poison People with Underwater Lead Cables?

Decades ago, AT&T buried thousand of miles of lead-lined cables across the U.S., and a Wall Street Journal investigation recently found thousands of those cables still under the soil and water...

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link to I hired my first employee, but my client wants me personally. What do I do?

I hired my first employee, but my client wants me personally. What do I do?

Fred, 58 years old, runs a pest control company. A few months ago, he hired his first employee, Mat. Mat had no previous pest control experience, so Fred spent two months training him before...

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link to What Percentage of Assets do Companies Hold as Cash?

What Percentage of Assets do Companies Hold as Cash?

I sampled a variety of companies to get an idea of how much cash typical businesses hold on their balance sheets. The data is in the table below. CompanyIndustryCash & Cash Equivalentsas % of...

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link to 56 Profitable Bookkeeping Niches

56 Profitable Bookkeeping Niches

This article is a list of profitable niches for bookkeepers and virtual CFO service businesses. HVAC companies Pest & mosquito control companies Funeral homes Crematoriums Septic...

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link to What is FedNow? And How Does it Work?

What is FedNow? And How Does it Work?

Americans spend roughly $10 billion on payday loan fees each year because it takes banks 2-5 business days to actually deposit paycheck money into your account after you earn it. That's changing in...

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link to Market Research (Raw): Recreational & Tourist Submarines

Market Research (Raw): Recreational & Tourist Submarines

NOTE: This is a raw compilation of industry research which has not been substantially edited or curated. It is essentially my notes from researching the recreational submarine and submarine tourism...

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About the Author

In college, Ricky studied physics & math, won a prestigious research competition hosted by Oak Ridge National Laboratory, started several small businesses including an energy chewing gum business and a computer repair business, and graduated with a thesis in algebraic topology. After graduating, Ricky attended grad school at Duke University in the mathematics PhD program where he worked on quantum algorithms & non-Euclidean geometry models for flexible proteins. He also worked in cybersecurity at Los Alamos during this time before eventually dropping out of grad school to join a startup working on formal semantic modeling for legal documents. Finally, he left that startup to start his own in the finance & crypto space. Now, he helps entrepreneurs pay less capital gains tax.

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