Jean Galea

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🤔 N26 vs Revolut – Why I Think There is a Clear Winner

Last updated: April 29, 202114 Comments

N26-vs-Revolut

Gone are the days when if we needed to do some banking we would have to leave work early or form a long queue at a land-based institution. With the invention of the internet came convenience on another level. Most of the things we would need to leave the house for can now be executed at the click of a button.

As such, the age of mobile digitization has finally reached the everyday banking space. Mobile banks are sometimes called ‘challenger banks’ due to the perceived threat against traditional institutions. In fact, they are more successful and popular than ever and have truly revolutionalized the retail banking arena.

At the forefront of this are N26 and Revolut, which in truth, both offer very similar features and benefits. But of course, if you only want to get started with a single mobile banking app, you need to make a decision between the two.

[Read more…]

Filed under: Banking, Money

AxiaFunder Review – Litigation Funding with 20% ROI

Last updated: September 26, 20221 Comment

AxiaFunder Review

The online crowdfunding arena now touches a vast number of investment sectors. As you likely well know, this covers everything from real estate, consumer and business loans, development financing, and even fine art. With that said, a rather interesting sector that is yet to fully take-off is that of litigation crowdfunding.

This is where you will be – alongside your fellow crowdfunding platform members, financing legal cases. In return – and on the proviso that legal proceedings are financially successful, you as an investor will be entitled to your share.

If you’re keen to find out more about this somewhat innovative crowdfunding opportunity, I welcome you to read my in-depth AxiaFunder Review. I cover each and every metric that I think you should consider before taking the plunge – such as how AxiaFunder works, what types of cases you can invest in, expected returns, and of course – the underlying risks involved.

What is AxiaFunder?

Founded in 2016, AxiaFunder is an online crowdfunding platform that specializes exclusively in litigation finance. Before I go any further, it is relevant for me to quickly outline the fundamentals of what litigation finance actually is – as it might be something you haven’t previously come across.

AxiaFunder

In its most basic form, litigation finance allows those seeking financial damages through the courts to fund their claim when they are unable to do so themselves.

[Read more…]

Filed under: Money, P2P Lending

YouHodler Review 2026 – Earn Up To 12% Interest on Your Cryptos

Last updated: January 15, 202618 Comments

Youhodler

Taking into account the volatile nature of cryptocurrencies, investors are faced with an ongoing dilemma – exit the position or ‘HODL’. For those investors in it for the long run, they will simply look to hold on their cryptocurrencies with the hope that in the near future they will be worth significantly more.

Until then, the coins remain idle in a private wallet – resulting in opportunity costs along the way. After all – and much like gold, Bitcoin does not yield any income.

With this in mind, YouHodler has created an online platform that allows you to earn interest by depositing your digital currencies. In turn, this will then be loaned out to those that wish to engage with crypto-loans.  Today, the company presents itself as a crypto-fiat finance service that offers half a dozen distinct features to meet the needs of both investors and borrowers.

In my YouHodler review, I explore the ins and outs of how the platform works. Not only does this include a breakdown of its interest-yielding service, but I also have a closer look at a number of other key features found at the platform.

[Read more…]

Filed under: Cryptoassets, Money

Spotlight Review – Easily Add Instagram Feeds to Your Site

Last updated: April 06, 2021Leave a Comment

Spotlight

As you might have noticed, I include the latest photos from my Instagram feed in the footer of my blog. I’m no Instagram celebrity, but including the Instagram shots help my readers get a glimpse of another side of me, namely my experiences as a padel player competing in Spain and my journey in this sport.

Spotlight for WordPress offers a simple and effective way to add your Instagram feeds to your WordPress site.

Instagram has become one of the most used social media platforms. It is now becoming as important as ever to harness its power and use it to your advantage. By integrating your Instagram feed on your site, you can increase social engagement and brand awareness while also building social proof.

As one of the main social media platforms in 2020, Instagram is a place where you can connect with your audience in a very different way than you would on Twitter or Facebook. While Twitter is mostly used to express your views and Facebook to connect with friends and family, Instagram is unique in that it is a space where you can tell your story. Used in the right way, Instagram can be a very powerful tool for bloggers, businesses, and brands alike.

Instagram for me is a place where I can share my passion for sports – in particular my padel and tennis journey. It is a way to showcase a different side to my personality that adds a personal touch to my blog. In this post, I will be taking you through the process of installing Spotlight on your website, just like I’ve done in my footer. Let’s get to it.

Whether you have a blog, product or service page, run events, or a business, Spotlight can help you take your Instagram game to the next level.

Instagram itself, surprisingly, does not make it very simple to embed such a feed and customize it on your site. Instead, we have to use WordPress plugins that facilitate this task. My favorite plugin for this is Spotlight, so in this post, I’ll review Spotlight for WordPress and cover some of its best features.

[Read more…]

Filed under: Tech

What are Good Monthly Operating Margins for Software/SAAS Businesses?

Published: June 22, 20202 Comments

If you operate a software business (such as WordPress plugins) or a SAAS, it is important to benchmark your operating profit with that of other similar businesses.

Before we start, it’s important to clear up some definitions:

Gross Margin – Revenue minus Cost of Goods Sold (or Cost of Sales)
Operating Margin – Gross Margin minus Sales, Marketing, General and Admin expenses
Net Margin – Operating Margin minus Interest & Taxes

I’m looking at operating margin % here.

You can take a look at some open metrics over at Baremetrics for a start.

I also asked several of my friends in business and there isn’t one clear answer. The most common percentage I could identify is around 80%, but it’s not always clear what margin they are referring to.

[Read more…]

Filed under: Business

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Jean Galea

Investor | Dad | Global Citizen | Athlete

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