How to buy Bitcoin?

As Bitcoin price has climbed from $1k to $15k this year, I get asked quite a lot – how to actually buy it?

Screenshot 2017-12-10 21.38.27

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Speculating with Bitcoins and gambling with ICOs – Bancor, Status, Tezos

When I decided to buy some Bitcoins in 2013, it was like wild west – price of BTC was skyrocketing from $100 to $1000, everyone was writing about it and exchanges were crashing from lame code, high load and hacker attacks.

bitcoin-24.de 

At that time the biggest exchange in Europe was bitcoin-24.de, so I opened an account there, bought some Bitcoins and did some trades. But then it started receiving DDoS attacks and at one point transactions were duplicating.

If I bought 1 BTC, suddenly I received 2 BTC. If I sold 2 BTC, I got money for 4 BTC, etc. I got lucky to withdraw some bitcoins, but of course the withdrawals stopped working very soon, and I was left with an account “worth” 60k EUR and 7.7 BTC.

Continue reading Speculating with Bitcoins and gambling with ICOs – Bancor, Status, Tezos

Would I invest 127k EUR in P2P platforms like Bondora, Mintos, Twino?

Received an email from Mark, who asked for advice about investing in P2P platforms:

Basically, ~127k EUR is sitting around and not working. I do have Bondora and I was one of the early investors in 2012 when it was called Isepankur. Problem there is I don’t understand what’s going on there-it is displaying my ROI as 15% but everyone is saying that it’s not real because they don’t calculate defaults correctly and real returns are ridiculously low.
Considering all of the above, do you recommend investing in Mintos and/or Twino?How would you suggest getting enough math skills to be able to figure out what’s going on with my account at Bondora, how to calculate XIRR(not sure?) etc.
If not Mintos/Twino, what passive strategies would you recommend to put the capital I have sitting idle to work.

Continue reading Would I invest 127k EUR in P2P platforms like Bondora, Mintos, Twino?

Kur ņemt hipotekāro kredÄ«tu – DNB, Swedbank, SEB, Nordea vai Citadele?

Iepriekšējos 3 rakstos detalizēti apskatīju piecu banku piedāvājumus 50k EUR kredītam. Šoreiz apkopošu visu vienā rakstā ar dažiem secinājumiem. Zemāk saņemtie piedāvājumi:

Fiksētie % Papildus % Komisija
DNB 1.89% 3 mēn. EURIBOR + MFL 1%
Swedbank 2.40% 6 mēn. EURIBOR 1.5%
SEB 2.40% 12 mēn. EURIBOR 1.2%
Citadele 2.50% ? 2%
Nordea 2.70% 12 mēn. EURIBOR 0.50%

Continue reading Kur ņemt hipotekāro kredÄ«tu – DNB, Swedbank, SEB, Nordea vai Citadele?

Kur ņemt hipotekāro kredÄ«tu? 3. daļa – Citadele, Nordea, SEB

Šoreiz apskatīšu uzreiz 3 bankas un sākšu ar tām, kur līdz līguma izpētei nemaz netiku, jo piedāvātā % likme likās pārāk liela.

Citadele piedāvājums

Fiksētie % Papildus % Komisija
2.50% ? 2%

Continue reading Kur ņemt hipotekāro kredÄ«tu? 3. daļa – Citadele, Nordea, SEB

Kur ņemt hipotekāro kredÄ«tu? 2. daļa – Swedbank

Swedbank lÄ«gums ir garÅ¡, sarežģīts un pilns ar visādiem brÄ«numiem, piemēram – aizņēmējiem paredzēts arÄ« pārbaudes laiks.

Swedbank piedāvājums

Fiksētie % Papildus % Komisija
2.40% 6 mēn. EURIBOR 1.5%

Continue reading Kur ņemt hipotekāro kredÄ«tu? 2. daļa – Swedbank