Jean Galea

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Robocash Review 2024 – A Reliable P2P Platform for Beginners

Last updated: December 23, 2023Leave a Comment

ROBOCASH REVIEW 2021

Peer-to-Peer lending creates a marketplace that offers both parties what they seek. On the one hand, the system allows borrowers to avoid the hassle of turning to a bank and oftentimes – benefit from more competitive interest rates.

In the case of lenders, the phenomenon allows you to invest your money into third-party loans that typically offer a much higher yield than that of traditional assets.

Robocash is one such provider that caught my eye. Launched in 2017 – it offers a fully automated financial platform that follows the core principles of the peer-to-portfolio model. The service delivers an opportunity for you to invest in loans facilitated by Robocash Group.

In this review, I explore the ins and outs of how Robocash works, what loans you are investing in, how much you should expect to make, and of course – what risks to consider.

What is Robocash?

Robocash is behind a group of subsidiaries that offer robotic financial services in the lending marketplace, subsequently funding alternative loans. It focuses on providing automated fintech solutions and making international investments accessible to everyone.

The peer-to-peer lending process sits at the core of RoboCash Group. It primarily targets European investors, albeit, plans are being made to expand further afield in the near future.

[Read more…]

Filed under: Money, P2P Lending

The Best Crypto-Friendly Countries in Europe

Last updated: November 07, 20211 Comment

crypto friendly countries europe

As an investor in or holder of crypto assets, it would be ideal to live in a country whose government and financial system is knowledgeable about cryptos and has a favorable tax and banking situation. You can read about how countries tax crypto returns in another post I’ve written earlier, but today I want to consider a few possibilities that crypto investors should consider if they’re thinking of selecting a country predominantly to take advantage of its crypto-friendliness.

In addition, it is also great if there are already other investors and crypto companies based in that country, as you get tons of networking opportunities as well as the ability to work for one of these companies.

[Read more…]

Filed under: Cryptoassets, Money

Best Healthy Food Meal Plan Delivery in Barcelona

Last updated: April 16, 2024Leave a Comment

If you’re an athlete or you take your diet and training seriously, you should take a look at the rising trend of healthy meal plan deliveries in Barcelona. It’s incredible how many options we have in this city, although I would say only a few of them are really high quality.

Here are the best healthy meal plan delivery options in Barcelona. I’ll keep updating this list as I discover more places. Please leave a comment with your favorites if you know of any more that fit the bill.

We have three categories of healthy food delivery services in Barcelona:

Fully Customized

In this case, a chef will cook for you on a daily basis, according to your needs (calories, allergies, diets etc).

This is something of a rarity in Barcelona, in fact, I don’t know of any place that offers this service via a web or mobile-based interface. However, it’s by far the best option there is.

I kind of created this service for myself as I have a friend of mine who is a top chef, and I asked him if he could start cooking for me. He took up the offer and it’s been more than two years now that we’ve got this going.

Whenever I mention this to my friends they are typically amazed that such a service exists, especially at affordable prices, so I eventually got many friends on board as well, and now I am opening it up for anyone who visits my site.

Just fill in the form below, which will go to me and the chef, and he will get back to you with a proposal for you. Keep in mind that this sort of arrangement works best if you are doing it on a long-term basis as the chef can then really get to know your needs as well as bring down the costs. If it’s a one-off thing then you’d be better served using a normal healthy restaurant from the list further down below.

As a general guide, if you go on a weekly plan (5-7 days a week), the cost would be between €25-35 per day depending on your needs. This covers all your daily nutrition including breakfast, snacks, lunch and dinner. Delivery is done in the morning between 7:30 and 9:00 or in the afternoon between 18:30 and 20:00.

If you’re just starting out with meal plans and nutrition, I highly recommend that you consult a nutritionist who can prepare a plan for you that the chef can then follow. Just tick the box in the form if you need a nutritionist as well and I’ll connect you to mine.

Calorie-based meal plans

These are purely focused on fitness enthusiasts and provide meal plans and specific nutrition information:

  • Miplato
  • Menudiet (€40 discount if you use this link)

Meal Ingredient Delivery

These companies send you the ingredients for cooking dishes according to the recipes provided. It’s a convenient way of eating healthy food without the hassle of shopping for different ingredients and finding recipes. And you get to enjoy cooking your own food.

  • HelloFresh
  • LetsCookNow (25% off with the coupon JEANGALEA25)
  • Foodinthebox

My Experience with LetsCookNow

LetsCookNow

Having sampled the offerings of LetsCookNow, which is a service dedicated to the Spanish market, I found it to be a delightful fusion of convenience and culinary adventure. Right from the ordering process to the actual cooking, the LetsCookNow experience has been designed to simplify home cooking without sacrificing the joy of it.

Understanding that their audience in Spain is diverse, the website is thoughtfully designed to be accessible in English, Catalan, and Spanish. This multilingual feature ensures that language doesn’t become a barrier to enjoying their service. Users can easily switch between languages at their convenience, facilitating a smoother, more personalized browsing experience.

When my first LetsCookNow box arrived, it was neatly packed with fresh ingredients, all carefully portioned to minimize waste. LetsCookNow does not provide printed instructions (unlike HelloFresh), but you can watch a video and the step-by-step process online. I used my iPad for following along. It’s perhaps less wasteful to not print all those recipes, but I do enjoy having a printed paper I can throw about in my tiny kitchen without being too bothered if it gets dirty during the process.

As someone who has struggled with portion sizes and complex recipes, LetsCookNow’s approach to healthy cooking at home was a breath of fresh air.

The meals themselves were a mix of local Spanish flavors and globally-inspired dishes. Each ingredient was of good quality, and the recipe was easy to follow, leading to a delicious meal that brought the distinct taste of international cuisines to my home kitchen.

Indeed, LetsCookNow introduced me to various global flavors – from the spices of Moroccan cuisine to the tangy, savory notes of Asian dishes. This wide range of meals catered to different moods and preferences, providing flexibility and excitement that’s often missing in daily cooking.

One thing that stood out about LetsCookNow was their commitment to sustainability. The packaging was primarily made of recyclable materials, and there were clear instructions on how to properly dispose of it.

The delivery process of LetsCookNow was nothing short of exceptional. The service demonstrated meticulous attention to detail, from the thoughtful packaging to ensure ingredients remained fresh, to the punctuality of the delivery itself. My box arrived right on schedule, within the selected time slot, eliminating any concerns about waiting or rescheduling. Each ingredient was carefully packed to prevent damage or mixing during transit.

In terms of cost, the service offered good value for money. Considering the high quality of ingredients, the variety of meals available each week, and the sheer convenience of having everything delivered to your doorstep, the pricing was justifiable.

In a nutshell, my experience with LetsCookNow was more than just about convenience. It was about rediscovering the joy of cooking and tasting new cuisines, all from the comfort of my own kitchen. Whether you’re a busy professional, a food enthusiast, or someone just learning to cook, LetsCookNow offers a service that caters to your needs while bringing a world of flavors to your table.

I’ve liked the service so much that I’ve asked the guys at LetsCookNow to provide a discount to my readers, as I’d like you to try them out as well and let me know what you think.

By using the code JEANGALEA25 you will get 25% off your order from LetsCookNow.

Healthy food delivery

These are restaurants that consistently churn out high-quality food without being as strict as the previous ones:

  • Tres a la Cuina
  • Coco Kitchen
  • Fish & Greens
  • The Healthiest Choice

If there are days when you feel like cooking at home, I highly recommend the FitMenCook app for its recipes and fantastic dishes. Video instructions are also included, and it is available in both English and Spanish.

Here are some similar services that operate in the US and Canada. We might be seeing more of them opening up in Europe in the future if their models prove to be successful.

  • Sun Basket
  • Blue Apron
  • EveryPlate

Why We Don’t Cook Anymore

Before we had children, we used to cook at home a lot and also eat out very frequently. In Barcelona, you can find lots of great options for lunch since most restaurants have a menu del dia, which means a set menu for a fixed price that is usually excellent value for money.

Given that we both worked from home, it was a nice break from work to go out and have a nice lunch somewhere before getting back to work.

However, once we had children, our free time was much more constrained and we preferred to outsource our diets to the experts and thus eat healthier and better.

In 2020, the COVID crisis accelerated the trend of healthy food meal plan deliveries in Barcelona. Basically, many kitchens opened up, and they cook dishes and concentrate on selling them via delivery apps or by customers picking up their orders at the kitchen. This minimizes the costs of having tables and staff serving those tables, not to mention not being troubled by the COVID restrictions.

As a customer, I love the idea. It’s a trend that has been picking up steam in the United States as well. What we’re seeing is essentially the nascent era of cooking as a service. In much the same way as we have outsourced a lot of our daily chores to specialized services, cooking seems to be the next chore that is going to be outsourced in developed nations.

I think cooking will, by 2040, be a niche activity like e.g. gardening or sewing, not something which one would reasonably expect from substantially every household.

It's getting squeezed by a combination of long-running social changes, cultural norms, and…

— Patrick McKenzie (@patio11) May 5, 2019

Cooking has traditionally been the role of the woman, and it takes up quite a lot of time to shop for the ingredients, cook and then clean up after. If you have a family with a few kids, it takes even more time. If you calculate it, it could easily take 4-5 hours a day once you factor in everything. Since more women are heading back to the workplace, it makes sense for them to outsource this chore.

In my opinion, leaving the cooking to a specialized chef will also most likely result in you eating a healthier and more varied diet. A kitchen with a good chef will be churning out many different dishes, while if you cook at home you will most likely eventually stick to a small variety of tried and tested dishes. Unfortunately, we are also living in a period in history where food has become very processed, and good raw materials are not easy to come by. A chef who buys raw material in bulk has the expertise of being able to distinguish between poor and great quality fish, poultry etc, and he can even buy it at a cheaper price due to his contacts and the amounts he is buying.

Even without calculating the monetary value of time spent on cooking, food is easily the biggest monthly expense for my family after rental payments. Since switching to purchasing most of our food from one of the kitchens, our costs have remained equal, but we have gained a lot of extra time and eat way better since we have a professional chef with years of experience cooking for us.

Here are some reasons for giving up cooking your own food:

  • Gaining extra time
  • Spending more time with your partner and kids
  • Letting the pros do the work
  • Better control your portions
  • Protecting yourself from injuries (burns, cuts etc)
  • Less cleaning up
  • No grocery shopping

Another benefit for me specifically as I pursue athletic excellence for the various sports I practice is that I can have my dietician coordinate with my fitness coach and chef to make sure I am getting exactly the right fuel for my workouts and upcoming tournaments. If I had to do this myself I would definitely get it wrong and it would be too time-consuming.

Cooking at home on occasion is of course still a nice idea, especially when it involves all family members and serves as a relationship-building activity. It’s also great to go out for a nice meal at a restaurant every once in a while.

My Guidelines for Eating Well and Maintaining a Healthy Diet

healthy-diet

Over the past few years, I’ve taken a keen interest in nutrition as I realized that overall health and fitness is a result of both training hard and about eating the right foods.

Here are the rules of thumb for the food I eat, whether it’s prepared for me by the chef of whether I’m cooking myself:

  • Whole grains or their derivatives (wholewheat bread, pasta, etc.) in all meals, except those that include potatoes.
  • Legumes every day but in smaller quantities than wholewheat cereals.
  • One or two vegetable types in every dish (for example boiled broccoli).
  • Between one and three fruits per day, preferably local and seasonal products (this doesn’t include packed or bottled fruit juices that are typically full of sugar). Eating fruit is preferable over juicing it, as in the latter process you lose almost all the fiber in the fruit, and the resultant juice has a high concentration of fructose.
  • One lactose product per day, preferably fermented. I go with Greek yogurt for breakfast or as dessert.
  • Fatty foods in moderate quantities, giving preference to vegetables and keeping a healthy balance between omega 6 and omega 3 fatty acids.
  • Keep refined foods to an absolute minimum (cereals, oil, sugar, etc).

The image above shows the food portions I aim for in every meal.

Apart from the actual contents of meals, I also try to keep the following two golden rules in mind:

  • Remain frugal, which is easier when the above guidelines are observed as dishes will typically have a high content of fibre which helps one feel full and stay full longer.
  • Chew properly to facilitate digestion and intake of the food’s nutrients.

Keeping these bases covered it’s quite easy for anyone to establish their preferred ingredients/diet based on their location, physical activity, and local supply of products.

P.S. If you can understand Spanish, one of the best books I can recommend is Claude Aubert’s Otra Alimentacion es Posible.

Another great book is Mindless Eating.

Also, do check out these evidence-based nutrition resources and stay away from anything these fake experts have to say.

Filed under: Expat life

Bitpanda Review: One of the Best European Crypto Exchanges

Last updated: April 02, 20244 Comments

Bitpanda review

Bitpanda was created to offer a simple way to buy and sell cryptocurrencies. The Austria-based fintech platform has since garnered a notable reputation in this space, with the provider claiming to be behind more than 1 million active traders.

In this review, I dive into the many features of Bitpanda and how it measures up against the other cryptocurrency trading platforms in the market. In particular, I look at supported markets, fees and commissions, user-friendliness, and safety.

Buy cryptos at Bitpanda

What is Bitpanda?

Bitpanda began its journey under the name Coinimal in October 2014. The platform gained attention with its simplicity – making it easier for both experts and novice traders to step on to the cryptocurrency trading scene.

Today, the platform has evolved to provide an array of digital assets – including 46 cryptocurrencies, four metal tokens, and three different Bitpanda crypto indices.

what is Bitpanda?

In addition, the team at Btpand has also introduced several other financial management tools that aid in the process of online trading.

Here is an overview of the key features found at Bitpanda:

  • Buy and sell digital assets and tokens directly – 24 hours a day, seven days a week
  • More than ten options to pay for digital assets – with bank cards, e-wallets, and SEPA bank transfers
  • Fast and convenient transactions with fully-automated order systems
  • Create price alerts for supported digital assets
  • Set up a personal savings account to automatically buy digital assets
  • Unlock trading discounts with the Bitpanda Ecosystem Token
  • Gain access to competent and reliable support

Bitpanda was designed specifically for newbie traders who want an easy to use interface to access cryptocurrency. That said, the platform has also expanded to accommodate the needs of professional traders.

More specifically, Bitpanda Pro was created for seasoned traders and businesses that demand more advanced tools, as well as integrate the platform with trading bots.

All in all, Bitpanda strikes as a well-rounded platform for traders of all shapes and sizes. You can also access all its features through a native mobile application, which offers a smooth transition between different devices, and allows you to access your assets from anywhere, anytime.

[Read more…]

Filed under: Cryptoassets, Money

StockCrowd IN Review – A Good Spanish Real Estate Platform?

Last updated: January 19, 2022Leave a Comment

StockCrowd IN is a Spanish real estate investing platform with properties available all across the country.

Regulation

StockCrowd IN is regulated by the CNMV in Spain. This is a good thing but doesn’t mean much more than the fact that the platform has been approved by the national authorities. In fact, Housers is also regulated by the same authority, which gives you an indication of the usefulness of this Spanish authority.

On the other hand, Privalore, one of my previous favorites, and a very good platform backed by honest people, was denied approval by the CNMV due to its inflexibility and archaic rules for such platforms. I won’t delve deeper into criticisms of the CNMV, but we are seeing newer platforms like Brickstarter not even bothering with basing themselves in Spain, instead moving to Estonia where regulations are more modern.

My Experience

After a horrible experience with Housers, I’ve decided to start slow with StockCrowd IN, making a €500 investment in an apartment in Diagonal Mar, Barcelona. I’m very familiar with the area and the properties for sale there. It’s a district that is highly popular with both local and foreign buyers, and the quality of the buildings is pretty good compared to the rest of Barcelona.

StockCrowdIN investor area

Have you tried StockCrowd IN? Let me know how things went for you in the comments section.

Filed under: Money, Real estate

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Jean Galea

Investor | Dad | Global Citizen | Athlete

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