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Preparing for the Next Great Disruption

By David Galland | The Passing Parade | February 24, 2017

Entrepreneurially minded folks tend to favor the concept of “creative disruption.” It is understandable, too, as each new innovation creates a wealth of new commercial opportunities and potentially urges on the ascent of humanity.

Over the course of my 60-odd years on the planet, so many new products and services have been introduced that it would take me a full day to document all of them.

I am sure many dear readers recall, as I do, a world without electric typewriters, portable computers, fax machines, mobile phones, supersonic jets, apps, drones, and literally too many other innovations to count. Each of them swept away the proverbial buggy whip manufacturers that came before.

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How to Join the P2P Lending Revolution and Earn +10% Yields

By David Galland & Stephen McBride | Articles | February 17, 2017

In 1999, I was a partner in launching one of the world’s first pure online banks. At the time, the idea was controversial to say the least.

I remember sitting in an office at the Dallas OTC while our soon-to-be ex-lawyer tried to run up his fees by scaring the stone-faced bureaucrats.

“It’s a bank, but WITHOUT PHYSICAL BRANCHES!” he intoned, raising his voice and waving his arms dramatically to underscore each point. “There’s NO BUILDING THE CUSTOMERS CAN WALK INTO to see their bankers! Are you OKAY WITH THAT?”

Amazingly, we hacked through the regulatory kudzu in the end—with the help of our new attorneys—and opened for business.

Since that time, the world has changed. Dramatically.

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David and Olivier

Garret/Galland Research provides private investors and financial service professionals with original research on compelling investments uncovered by our team.

Using a disciplined process, finely tuned over long careers, our analysts uncover overlooked or underappreciated investments. Before any investment is recommended to clients, it must also first be analyzed using our proprietary CIQS quant model to dispassionately confirm the inherent value and the absence of significant downside risk. 

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