Sunday, 6 May 2018

April 2018 - Monthly report

My Overview

Total portfolio: £32379 (+595)
Debt: £4529 (-249)
External funds: ZERO
Car: No
Net Worth: £27850 (+844)

Investments UK: £17632 (+195)
Investments overseas : £3606 ( -300)
Cash: £ 1060 (+260)
Pension: £9495(+511)

Total Income: £1821(-203)
Passive income: £214 (11.74%)
Savings rate: 17.57%

Side hustle 2 value: £3.40
Side hustle 3 value: £200 (Profit March - 523)
Side hustle 4 value: £757 (Funds:4653)

This month I was slightly over-working, with little to no break. I am aware of this, and i will try to relax in May. Th net worth increased with more than 800, with almost 600 on the portfolio increase and 249 debt reduction. The investments overseas took a hit due to the pound losing value, while the ones in UK slightly increased. Monthly income was a bit lower, with only 11% passive, mostly because of a miscalculation on matched betting (lost some bets and got only 200 profit instead of the average 3-400). The saving rate is still quite low, because i am paying at least 300 out of the debt every month. As major expenses, i an thinking to build an ethereum mining rig and to go in two holidays, in August and September, 10 days each. I am confident that i will manage to hit at least some winning jackpots with crypto, as i got some small amounts of altcoins growing up quite nicely. I am focusing of Proof of Stake altcoins such as Neo and Gridcoin (PoS means monthly or even daily interest if i will manage to get a significant amount).

Saturday, 14 April 2018

Crypto corner - Free bitcoin and other cryptocurrencies

To continue my series, i got two decent opportunities, working well especially for teenagers, but also for anyone having some spare time in front of the computer (like a night shift for example, not that i am confirming that this is what i do to keep myself awake at work when i am bored).

First company is called EarnCrypto.com, and you have various tasks, from completing surveys to watching commercials or playing Facebook games (wink-wink), and while the payments are not very big, you can focus on one crypto which you believe will increase in the future, and this is even better it that altcoin is Proof of Stake (PoS is a protocol enabling them to pay you interest for the coins that you keep in the official account/wallet). Suggesting Gridcoin, but feel free to choose another (Verge for example increased in the past few days in increments of 20%).

Another interesting one is Earn.com, where, despite a complicated process of profile verification, you can do little surveys (3-6 questions/tasks) and be paid in Bitcoin for it. A task can take 10-60 seconds, but there will be only few per week. In order to do it fast, you need to make a wallet on myetherwallet.com and keep a copy of the account handy, and one account to Telegram messenger. The task will ask you to put your Etherwallet and to connect the to your Telegram. And there it is, some bitcoin for you.

Tuesday, 10 April 2018

Free bitcoins - is this possible?

I will post something about 2 new strategies to get free crypto-currencies as soon as i have a bit of free time. In a way, because you pay with your attention.

Monday, 9 April 2018

Martie 2018 - Monthly report

My Overview

Total portfolio: £31784 (+737)
Debt: £4778(-430)
External funds: ZERO
Car: No

Net Worth: £27006 (+928)
Investments UK: £17437(-6)
Investments overseas : £3977( same)
Cash: £ 800 (+550)
Pension: £8984(+94)


Total Income: £2024(+501)
Passive income: £549(27.11%)
Savings rate: 10.86%

Side hustle 2 value: £7.6
Side hustle 3 value: £523(Profit January= 118)
Side hustle 4 value: £489 (Funds:4761)

A slight increase, and not a bad month overall. I got few expected and unexpected expenses, such as a big electric/gas bill and flight tickets for 1 week trip to Romania, but also some extra hours at work (10 more shifts, in order to make a bit extra for my following trip). Debt are going down by £430, and I am also trying to build some extra cash reserves from now on as we got two holidays to arrange in August and September. Not a great saving rate this month due to the aforementioned expenses. But the monthly balance was positive, so i marked as a win.



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.