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Envestio – what is behind high-yielding projects?

In last couple of years I have tried out different P2P platforms – Mintos, Twino, Swaper, Viainvest, EstateGuru, NEO Finance, but have always had a strange feeling about 2 of them: Kuetzal and Envestio – I saw that they had many projects from Latvia, offered much higher returns, but some of the listed projects just did not make any sense to me, so I did not even try to invest there.

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English

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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English

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.

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What happens when your app is featured on Google Play?

Prime Peaks is a fun racing game, available both on iOS and Android. On Sep 20th we released a new version, adding Dark Caves levels and Rock Crusher vehicle:

new_levels

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English

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.

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Latvian

Kur ņemt hipotekāro kredītu – 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%
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Latvian

Kur ņemt hipotekāro kredītu? 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%
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Latvian

Kur ņemt hipotekāro kredītu? 2. daļa – Swedbank

Swedbank līgums ir garš, sarežģīts un pilns ar visādiem brīnumiem, piemēram – aizņēmējiem paredzēts arī pārbaudes laiks.

Swedbank piedāvājums

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

Kur ņemt hipotekāro kredītu? 1. daļa – DNB banka

Tie, kas ir saskārušies ar kredīta ņemšanu nekustamā īpašuma iegādei, droši vien zin – ka izvērtēt un salīdzināt banku piedāvājumus nav viegli. Lai nedaudz vienkāršotu šo procesu pārējiem, aprakstīšu – kā man gāja un kam jāpievērš uzmanība. Šajā gadījumā runa ir par kredītu ap 50k EUR vērtam īpašumam, tātad – ja pirmā iemaksa būtu 20% jeb 10k, tad kredīta summa sanāktu 40k EUR.

DNB piedāvājums

Fiksētie % Papildus % Komisija
1.89% 3 mēn. EURIBOR + MFL 1%

DNB bija viszemākā fiksētā % likme un to piedāvāja samazināt vēl par 0.2%, ja noformētu kredīta maksājuma apdrošināšanu.

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English

How I lost $3700 and made $1500 with 3x leveraged ETFs

Long $UWTI

When I opened my DNB Trade account in 2015, my first trades were a bit crazy, among them:

  • $YHOO –  lost only 4%, but should not have touched it at all
  • $NBG – National Bank of Greece, lost only 25% (now delisted)
  • $CHAD, $CHAU – ETFs with 2x leverage that follow CSI 300 Index
  • $SUNE, $ZINC, $VRS – lost nearly 100%, delisted or went bankrupt

I tested my risk tolerance by starting with the most risky stuff I could find and when I got burned, moved to more safe things like sector ETFs with no leverage.

My most expensive lesson was from buying $UWTI – where I managed to lose about 80%, which amounted to more than $3700:

uwti