Spicer Matthews

Spicer Matthews Is A...

  • Lover Of His Wife
  • Lover Of Business
  • Lover Of The Web
  • Lover Of Real Estate
  • Lover Of The Stock Market
  • Lover Of Great Ideas
  • Lover Of Snowboarding
  • Lover Of PHP
  • Lover Of jQuery
  • Lover Of Skateboarding
  • Lover Of Portland
  • Lover Of Punk Music
  • Lover Of Google
  • Lover Of Himself :)

21 March 2011 ~ View Comments

All Categories Of Business

All Categories Of Business

I have spent my entire professional life at the decision making level with early stage companies. Some companies I founded and some companies I was invited to join. I have been part of a failing team nearly as many times as I have a winning team. These are not all just web start-ups, many traditional [...]

07 March 2011 ~ View Comments

Why I Did Not Answer Your Call

Why I Did Not Answer Your Call

Growing up there were really only 2 forms of non-face-to-face communication: land lines (phones), or snail mail (letters in the mail). You used either one of these forms of communication based on your particular needs. Dialogue that was time sensitive or required a lot of back and forth was done over the phone. Dialogue that [...]

02 March 2011 ~ View Comments

Music In Your Lives

Music In Your Lives

So we all know her, or him but to tell a better story we will keep it to a “her”. The girl that stops everything when “her song” comes on the radio. The girl that will interrupt almost anything you are saying to sing at the top of her lungs whatever song is playing in [...]

23 February 2011 ~ View Comments

Content Management Systems

Content Management Systems

Content management systems (CMS) have been on my mind for a while now. Several months to be exact. A content management system for the web is a system for publishers, producers of content, to easily distribute content without needing a PhD in computer science. Allowing the producer of the content to focus on the content [...]

05 December 2010 ~ View Comments

Love Of Evernote & The Art Of Reflection

Love Of Evernote & The Art Of Reflection

I have never really been a note taker. For the most part I always have a pen and paper nearby in case I want to jot something down, but often I do not use them. I do not know what constitutes a good memory, but given the fact I can often remember most everything (minus names, spellings, and phone numbers) I am going to say I have a good memory.

This brings me to my new favorite product, Evernote. Evernote is a note taking solution that makes it easy to remember things big and small from your notable life using your computer, phone, and the web. I am going to go as far as naming it my 2nd favorite product of the year. My 1st favorite product is SkyLedger, of course!!

For over a year now I have been looking at Evernote thinking “cool product, I really want to use it, but I am not a note taker”. A few months ago I just took the plunge and started putting anything and everything into Evernote and my life has changed because the use of Evernote has taught me the art of reflection.

09 June 2010 ~ View Comments

The New Age Business Man / Woman

The New Age Business Man / Woman

Something that has been on my mind for a while now is; What does the new age business person looks like? As more and more consumer dollars are being spend online and less and less spent in person on the streets, how does this affect the first time entrepreneur? Really great companies have been built by people with simple resumes. I see in many ways it is becoming harder and harder for a first time entrepreneur to break ground on their dream because they have to do business on the web.

It use to just take someone that was willing to work long hard hours and maybe some start up capital to build a truly profitable business. Whatever business the entrepreneur was going to go into they did not have to have 20 years of experience working in the industry, however in many cases that helped. I have a close friend who went to college and graduated with a business degree. Other than odd college jobs this friend did not have much of a resume. He knew one thing; he did not want to work for “the man”, and he was willing to work his butt of to make it happen. After much research he raised a small amount of capital and went into the fast food business. Today he has grown the business rather successfully. All this friend had was a passion and a good head on his shoulders.

16 May 2010 ~ View Comments

AudioBox – Real Cloud Based Music

AudioBox – Real Cloud Based Music

When it comes to hardware and operating systems I am one of the biggest Apple fan boys out there. When it comes to software and control I am truly annoyed by Apple. As a side note I am an Apple share holder and I love what they do from a business stand point. Apple has held back music players for years. They released iTunes a long time ago and it blew all the music players out of the water. Back then compiled desktop based software was cool. Then they went full speed ahead with the Apple iTunes music store. This was amazing from a lets kill cd’s standpoint.

I have a library of music that I have gotten from all different sources; Amazon, iTunes, cd rips, and so on. I want to stuff all this music in one bloat free place and have it with me everywhere I go. If I am 100% an Apple user this place is iTunes, but I am not. I have an Android phone, a windows netbook, linux laptop, Apple desktop, Apple laptop. There is no easy way with iTunes to keep all these devices in sync when it comes to my music. Nor do I want my 13 Gig music stash living on all these devices. The service that was about to do all this was Lala.com until Apple purchased then and closed them down. Grooveshark.com has sort of done it but their way of doing things is a little odd and they use way to much flash.

22 April 2010 ~ View Comments

Power, Greed, & Money Does Some Good

Power, Greed, & Money Does Some Good

As many of you know, I am a big follower of the world in terms of money flow. I love all aspects of investment. I love all aspects of business. No one would ever call me a hippy. I am as capitalistic as they come. Most would say I would sell my first born to make a buck. While not true you get the point.

All while I aline myself with the group of people that think profit is the end all be all. One thing that I think capitalistic America does so well is giving back. This is something I do not think any other capital based country does as well as the US. We give back on a constant bases and will really rally when called to action.

09 March 2010 ~ View Comments

Real Estate Vs. Da Stock Market – Part #3

Real Estate Vs. Da Stock Market – Part #3

Overview

The point I am going to make in this post is you can use the different markets outside of Real Estate to help with timing your Real Estate transactions. Great timing can do wonders for your bottom line. I have to setup my point so read all the way through. I will put it all together at the end.

To continue my argument that I believe that at the very least if you are a Real Estate investor you should have an eye on different markets outside of the Real Estate world I am going to highlight Mortgage Back Securities and what it means for the common Real Estate investor.

First lets define what a Mortgage Back Security is, or MBS. More or less a MBS is a bond sold on wall street from the big government backed firms Fannie Mae and Freddie Mac. These loans are originated by banks we all know and love. Then the banks sell these loans off to Fannie Mae, and Freddie Mac in big pools (collections of mortgages). For example (and to keep things simple), lets say Bank of America lent out 100 thousand dollars to 10 people (total of 1 million dollars). Bank of America collected a bunch of fees for putting the loan together (from the borrower), also mostly likely will get to continue to service the loan (charge more fees for the service of collecting loan payments). Now, BofA will sell this pool of loans to Fannie Mae or Freddie Mac. So the amount of loans BofA is willing to make each week/month/year is almost a factor of how willing Freddie and Fannie are willing to buy the loans.
Once the pool of loans are sold and out of the bank’s hands, Fannie and Freddie then bundle the loans up into bigger pools and sells them off on Wall Street as bonds. So when you make your home mortgage payment you send the money to your bank, then the bank send your payment to Fannie and Freddie, and then Fannie an Freddie sends your payment to the owner of the bond. You can learn way more about this process at Wikipedia.

Why should you understand all this?

It is one big chain of influencers; The seller, the buyer (borrower), the bank, Fannie/Freddie, and the bond holder. Each phase of this chain relays on entity below it. So lets look at each phase.

06 March 2010 ~ View Comments

Elevation Fitness In Private Beta

Elevation Fitness In Private Beta

I can not express how excited I am about Elevation Fitness. A product designed for personal trainers to keep track of their clients. I have been working on this project with an amazing team of people for over 2 years, and I am happy to say we went into private beta this week.

Elevation attempts to do away with paper and pencil for personal trainers and move their client management to the Cloud (where we all know my favorite place to be is). If you are interested please signup for the private beta and let me know what you think.