Ryan Holmes

As a child, I did what any normal kid who grew up without any electricity would do - I spent countless hours working on a computer wired to my parents' car battery... and learned how to code. This natural passion for computers lead me into the Internet market during the late 1990s and early 2000s.

As an entrepreneur, one of the biggest challenges you will face will be building your brand. The ultimate goal is to set your company and your brand apart from the crowd. If you form a strategy without doing the research, your brand will barely float - and at the speed industries move at today, brands sink fast.

Leverage is great when it works, and when it doesn't work, it creates a lot of issues. So I think if you limit the amount of leverage that people can borrow, or that banks can borrow, I think you'll find that you'll have a lot less issues going forward.