Aaron Patzer Business Quotations

Mint's business model became, 'We'll go for free, and then we'll find these savings opportunities for you.' You know, better interest rate on your credit cards, when should you consolidate your student loans, when does it mathematically make sense to refinance your mortgage, and Mint figures all that stuff out for you.

Kevin Systrom of Instagram used to work for us as a consultant in the early days of Mint. I knew him a long time ago. Maybe I could have gotten in there. But with photo sharing, I don't know if there's an obvious business model. I don't think there's a competitive, sustainable advantage.

If you think about photo sharing sites, the mobile photo sharing and social, there's no competitive advantage, there's no obvious business model, so I never play with anything like that. I avoid it like the plague.

At 16, I started a web development business and had clients from the Netherlands, Caribbean, and across the country - none of whom knew my age because I could conduct all my business with a phone, scanner, and the Internet.

I've been spending quite a bit of time in Canada, New Zealand, Australia, and the U.K. as Mint is expanding globally, and I'm personally doing much of the research and business deals to make them happen.

It's okay to doubt yourself, it's okay to feel down; just never give up.

People do make judgments of trust on appearance - in the real world and online.