Thursday, 8 March 2018

Cryptocurrency corner

One of the alternatives to shares and real estate could be soon what they call PoS crypto, also known for the long name of Proof of Stake coins. These coins need to be staked in a fully updated wallet, in order to keep the last version of the block-chain. In exchange, they receive stakes of the named coin (the ROI varies between 4-10% normally). Anyway, not all of them are equal, and some offer the same coin (Neblio for example), while other are offering a different coin, like shares are offering dividends (NEO offering GAS).

One of those freshly discovered coins is called Neblio (NEBL), and it is offering a 10% interest for staking annually. This coin was 0.2$ in September, and now it is 12-13%, with a good potential to grow a bit more. What is the concept behind this cryptocurrency? Blockchain’s unique distributed ledger technology is what makes the Neblio Network possible. This decentralized system of securely storing transactions is the future of database technology for global networks. Enterprise applications taking advantage of this technology gain numerous benefits over those using traditional database architectures including transaction immutability, transparency, security, reliability, and decentralization. Despite the maturity of blockchain networks, few applications have taken advantage of the technology due to the difficulty, and cost of integration and maintenance. Unlike legacy blockchain networks, next-generation blockchain networks such as Neblio will fill the huge gap in the enterprise market to simplify the development and deployment of distributed applications that drive business value through blockchain technology.

So, in order to receive 1 coin per day, you need to stake 365x365 coins (estimate value 43k $). This is a gamble, but if the price will go to the perceived value (60$), then you can receive on average 1800$ monthly, doubling your investment in less than 2 years from staking, with a total value of approx. 8 millions.

Of course, this coin was used just as an example for Proof of Stake, and i am not involved in any way in this coin promotion. You should always invest your money based on your own research.

Added bonus: to study the greatest traders of the present, find the book "Market Wizards" by Jack D. Schwager.

Monday, 5 March 2018

Monthly report - February 2018

My Overview

Total portfolio: £31047 (-1372)

Debt: £5208 (-132)

External funds: ZERO

Car: No

Net Worth: £26078 (-529)

Investments UK: £17445(+239)

Investments overseas : £3977( +23)

Cash: £ 250 (-2250)

Pension: £8890 (+176)

Total Income: £1523 (-182)

Passive income: £183(12.01%)

Savings rate: 14.45%

Side hustle 2 value: £3.31

Side hustle 3 value: £118 (Profit Ianuarie = 413)

Side hustle 4 value: £604 (Funds:4854)

This month was a good month, even if the numbers are inconclusive. The side hustles were not the main focus, as we tried our best to finish the house renovation according to the schedule, and tenants moved in at the end of the month (28.2.18). The final numbers were £2460, spent on painting (whole house), carpet change (whole house), bathroom renovation (new floor, new shower curtain and pools, new front and side panel for bathtub and waterproofing), new curtains pools and new curtains (whole house) and few odds jobs around (handles, side rail etc). The cash reserves are close to zero and need to be re-done. But once i got around March expenses, we should slowly build them back. I have also published 2 new books in February, my fourth poetry book and the one about diet (after 3-4 years of work in progress).

Friday, 2 March 2018

Medium Platform

As it seems that the Medium Platform is the latest trend in blog's world, i try to power-boost my way over there with 3 posts per day for 60 days.

Week 1 payment - 0.07$

I am just curious about the week 8 payment ( or month 3), whichever will come first. I am being lazy with the content, practically i am importing the last 5 years posts from my creativity and science blog.

I will come back with news about it.

Friday, 23 February 2018

Real estate crowdfunding

As for two of the websites i use for this specific investment,  just increased the minimum investment at £100 (it was £10 before), while has £1000 as minimum investment.

First one yearly returns are somewhere at 5-7% after tax, while for the second is 7-9% after tax.

Wednesday, 14 February 2018


When i was little,

in my dreams,

i was always flying.

Sometimes close to the earth,

sometimes up in the sky,

but the fly

it was just a metaphor

for freedom.

Now i grow up,

and i stopped flying.

I wonder why?

(Retirement or work, all of them are also just metaphors, but behind them is hidden the idea of freedom, and how or if we achieve it, it is only depending on us. Be active and start right not. Do a small action towards your total freedom. Good luck!)

Tuesday, 6 February 2018

January 2018 - monthly report

My Overview

Total portfolio: £32419 (-1956)
Debt: £5208 (-132)
External funds: ZERO
Car: No

Net Worth: £26911 (-2124)
Investments UK: £17206 (-1516)
Investments overseas : £3954( same)
Cash: £1960 2500 (-540)
Pension: £8714 8604 (+110)

Total Income: £1705 3359 (-1654)
Passive income: £448(26.30%)
Savings rate: 60.23%

Side hustle 2 value: £0.13
Side hustle 3 value: £413 (Profit December = 471)
Side hustle 4 value: £711 (Funds:4944)

Not so good on the numbers this month, due to renovation of the rental house and the cryptocurrency decline. But the house is almost ready to go, and we have some prospective tenants, with only the gas safety check to be done tomorrow. One major cause of almost £9000 in expenses was moving in a new property and renting the old one, after some serious renovations, so hopefully we start to build the savings back from now on. Another cause of £1516 decrease in investments was due to cryptocurrency dip (based on a £4944 initial portfolio), but if it is not one of those mistakes done now and then in life, i will see the results in December this year.
Side hustle 1 is seriously down, even if is 100% passive. And side hustle 4 is related to cryptocurrency, as you could guess already. All this while matched betting is a constant, with a bit over £400. The future is promising from now on, with utilities (gas, electric, water and council tax) not needing to be payed on the second house as soon as the tenants are in. One set of expenses disappearing, and rent coming in the saving account, things tend to look brighter. I will focus on the side hustle 2 in the near future, and maybe something will move in the right direction over there.

That's all for the moment, thank you for the support, have a nice day!

Thursday, 1 February 2018

Zero fee share trade - coming soon

I got some good news tonight. Probably you heard about sharedealing platform with zero fees, like Robin Hood in US, or the ones that started to trade share fractions? Well, seems that we will have the best of both in UK, with Free Trade launching soon over here, promoting zero fee and even share fractions. Seems good to me, and can’t wait to test their products.

Link here to put your email on the waiting list.

Disclaimer: This is a referral link aiming to put me higher on their waiting list. You can use the no-referral link here if you wish so. But thanks anyway.