Here’s a quick list of top people I follow in the crypto space. Their work (articles, videos, tweets, interviews etc) are essential for anyone doing a deep dive on Bitcoin and other cryptos.
Who are you currently following?
Two-factor authentication or 2FA is a way of making your logins more secure, by not only requiring a username and password when signing in, but also a special extra code that can either be received as an SMS or else generated by an app or device. I like the Google Authenticator app and have used it for 2FA purposes. If you are using the 1Password software, an even better way to do 2FA is to replace Google Authenticator with 1Password itself. It has the ability to generate one-time passwords for 2FA purposes. If you wish, you can use both apps at the same time and see which one you like best, they will generate the same number so they are interchangeable.
Most of you will already have used 2FA, perhaps without knowing so, when you log in to your internet banking. Most banks give out a 2FA device or card which stores some codes you are required to enter when logging in. This ensures that if someone guesses or cracks your password, they still won’t be able to login unless they are also successful in robbing your physical 2FA device.
I would use 2FA whenever it is possible, but I especially highly suggest using it on websites which contain sensitive information that can be used by a hacker to damage you or steal assets.
Here are a few popular sites to use 2FA on:
For a bigger list check out this site.
Here’s a website that serves as a guide to setting up 2FA on the most popular platforms and websites.
If you’re living in Spain you are spoilt for choice when it comes to deals and discounts websites. We have a wealth of choice for getting great prices on travel, house decor, experiences, clothes and much more. Let’s have a look at my favorite websites.
You will find a very wide array of choices here. Do remember that if an offer seems too good to be true, there’s probably a catch. For example, a photography studio might offer a €19 photography session, but at the end, they will tell you that you have to pay another €40 in order to choose your own photos. I recommend sticking to the offers that don’t involve a 1-1 interaction; in that way you are minimizing the risks of being served differently from others who are paying the full price. Some examples of the offers that you can find here:
Before you buy anything, always do a quick search in Google and check the reviews. If you suspect that the original price and discount appear to be inflated, phone the service provider and ask for prices directly, that way you will identify and fake prices on the Groupon site.
Privalia is an online fashion outlet, with daily flash sales as well as other longer-term offers. They also have home & decor sections and the quality is generally good. They might have limited sizes available, but that’s just about the only downside. The delivery cost is a standard €6.95, but many offers include free or cheaper delivery options. Returns are also €6.95, and the items are picked up right on your doorstep. You have 14 days to return the products for any reason.
While not really a pure discount store, Zalando is our favorite online fashion store. The fact that they offer free delivery and free returns is really awesome and takes away most of the hassle with shopping for fashion. Delivery is right to your door as is the collection service for any returns. This site also has an extensive offers section, which is why I’m listing it here together with the other discount websites.
Do you have any other favorite discount and deals websites that are available to Spanish residents? Let me know in the comments section.
In Spain you have many options for buying food, but as you can imagine, there are significant differences between the options. Let’s have a look at these sources.
First up, you have the traditional supermarkets. The Spanish market is dominated by a few big supermarket chains:
The closest version to an organic food store chain in Spain is Veritas, which is a very limited version of Whole Foods in the USA.
You then have the local markets. You’ll find several within the cities and usually bigger ones outside the city.
The cheapest prices are to be found at the supermarkets or local markets outside of the cities. You’ll have to drive to these markets typically as they are not so easily accessible by public transport.
Another option is neighbor cooperatives as they are called. Basically, a number of neighbors will group up and order products directly from the suppliers. These suppliers will then come once a week and deliver the products to one point after which they are distributed amongst the neighbor community.
I’ve found the prices in the markets found within the city to be significantly higher than those in the supermarkets, even though the produce is sometimes identical (for example imported bananas of the same brand). On the other hand, I prefer buying fish and meat from the local market or meat/fish shop rather than from the supermarkets.
I’m still learning about how to find the best sources for healthy and organic produce, so if you have any insight I’d love to hear from you.
Amongst all the online investment platforms available today, P2P loan platforms are the ones which offer the highest returns. That, of course, comes with increased risk. Let’s have a look at how P2P loans work and which are the leading platforms.
The traditional way of getting loans was to go to a bank, describe why you need the loan, show your assets and submit an application. You then had to wait days or weeks until you receive a decision from the bank. They would offer you the terms, including probably the most important factor which would be the interest rate.
After the financial crisis, many banks became much more restrictive in who they give loans to, especially in certain countries. This left a lot of people and businesses in dire straits as they had nowhere to go to in order to obtain much needed capital to make important purchases or investments. This also created a situation where many investors in the Western Europe (e.g. Germany, UK) were flush in cash, and on the other hand you had people and businesses in Eastern Europe (e.g. Latvia, Lithuania, Georgia) who were suffering due to the difficulties in obtaining financing.
P2P platforms solved these problems by providing an alternative to banks. Investors now had no borders and could easily invest in loans outside of their countries at very good returns, because there was so much demand. In this way everyone is a winner. The platforms themselves take a cut when loans are re-sold on the secondary market.
Typically you will see different kinds of loans, some with no guarantee and others with some kind of guarantee. For example, if the loans you invest in have Buy Back guarantee, then the highest risk is for the P2P lending platform to go bankrupt, and that can happen because of many reasons – bad management decisions, competition or scam.
Typically platforms service the loans and receive payments from the borrowers. Then the received payment is divided proportionally according to the amount of investment between all investors that have invested in the particular loan.
As soon as the borrower, whose loan you have invested in repays his loan, you will start receiving payments of both the principal sum and the interest, for the investment period. They will be automatically transferred to your account. You can reinvest the received money in any available loans or request a payout directly to your personal bank account.
For each loan, the date of its repayment has been set, so the investor will receive money in his account according to the regularity of payments made by each particular borrower.
Let’s have a look at some of the most popular loan platforms in Europe.