When I first entered the world of cryptocurrencies in 2018, like most people, I started with Bitcoin (BTC) and Ethereum (ETH). At first, I had a strong aversion to Ripple (XRP) because it was seen as “the bank’s crypto.” However, in 2019, I was hired by a software consultancy firm that works with credit unions, …
Ripple: The Crypto Company Revolutionizing Cross-Border Payments with XRP Read More »
In this post, I want to discuss one of the best-kept and most powerful secrets in the world of investing: compound interest. Unlike simple interest, which only generates returns on the original capital, compound interest generates returns on previously accumulated earnings, thereby accelerating capital growth over time. The earlier you start investing, the more effective …
Compound Interest: The Growth Engine for Your Retirement Plan Read More »
In this post, I want to explore the famous Swensen model for building a long-term profitable portfolio. David Swensen was a renowned American economist and investor, widely acclaimed for his innovative approach to portfolio management. As the Chief Investment Officer at Yale University from 1985 until his passing in 2021, Swensen transformed the university’s endowment …
The Legacy of David Swensen: A Sustainable Investment Model for Modern Investors Read More »
A few weeks ago, I wrote an article about the oldest and most recognized blockchain: Bitcoin (you can read it here). The initial idea of Bitcoin was to be a secure and reliable means of payment worldwide without intermediaries. However, over the years, it has been proven that Bitcoin is slow, costly, and requires a …
Blockchain Projects for the Future of Micropayments and Cross-border Transactions Read More »
While reading about the development of artificial intelligence and its effects on our current and future society, I came across several articles presenting a solution to a potential future problem: the loss of jobs due to the massive use of AI. This solution, somewhat peculiar, is the creation of a universal basic income (I’ll leave …
ISO 20022 is a global standard for the transmission of financial data. Its main goal is to unify and standardize messages and processes within the financial system, enabling more efficient, transparent, and secure communication between financial institutions, banks, and other entities involved in securities exchange or international payments. Introduced in 2004, ISO 20022 has gained …
Investing in financial assets—whether stocks, treasury bonds, real estate, cryptocurrencies, gold, or others—brings both opportunities and risks. While investments can increase personal or financial wealth, they also carry risks or uncertainties that investors need to understand and be prepared to handle in case of losses. Understanding these risks and personal responsibilities when investing is crucial …
Personal Responsibility in Financial Investments Read More »
When planning for retirement in the USA, two popular types of individual retirement accounts (IRAs) are the Roth IRA and the Traditional IRA. Understanding their differences can help you choose the right one for your financial goals. What is a Traditional IRA? A Traditional IRA is a retirement savings account where you can contribute pre-tax …