Imagine that you are an employee at a hot Silicon Valley startup. Your salary is solid, but you know that your real payoff will come one day--in a year, or four years, or some undetermined day down the road--when your company has an IPO and its much-lusted-after shares get bid up by eager investors. But, for whatever reason--you want to buy a house, you want to diversify your personal assets, you want to leave the company before it goes public--you don't want to wait that long
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