If you’re building an app, digital product, or tool — and want to offer premium features, subscriptions, or supporter perks — you’re faced with a critical decision: 👉 How do you manage payments, entitlements, and gated access without reinventing the wheel? There are more options than ever before. And while tools like Stripe and Gumroad […]

Options trading often boils down to one critical decision: should you let your position expire or close it early? This choice is relevant for both buyers and sellers of calls and puts. In this article, I’ll break down the scenarios for each type of option—long calls, short calls, long puts, and short puts—and provide practical […]

TL;DR: Government spending, tax policy, and central bank decisions ripple through every asset class. Here’s how I track and respond to them as a European investor — and real examples from my own portfolio of what happened when policy shifted. In late 2022, news broke about Spain’s new “solidarity” wealth tax. Around the same time, […]

TL;DR: Interest rates affect everything from your P2P lending returns to your mortgage payments to your crypto portfolio. As someone who invests across all of these, here’s how I’ve adjusted my portfolio across rate cycles — and what I plan to do next. When the ECB started raising rates aggressively in 2022, I noticed it […]

When I first reviewed Hive5 in late 2024, I called it one of my top three P2P lending platforms. Solid double-digit returns, a clean interface, a credible-looking team. I recommended it without hesitation. I was wrong. Over the past year, enough has surfaced about Hive5 that I no longer trust the platform with my own […]

London House Exchange (formerly Property Partner) is one of the better-known real estate crowdfunding platforms in the UK. The platform was founded in 2014 with the promise of giving investors the opportunity to enter the UK property arena with an investment of just £1,000. With property prices – at least in the case of London, […]

Open an InDemo account Indemo is a newer platform in the European peer-to-peer (P2P) lending landscape, having launched in 2023 with the aim of revolutionizing real estate investing. Based in Riga, Latvia, Indemo distinguishes itself by offering two unique investment opportunities: mortgage loans and discounted debt investments. This review delves into Indemo’s strengths and weaknesses, […]

Debitum Investments (formerly Debitum Network, rebranded in February 2024) is one of the most established platforms in the Peer-to-Peer (P2P) lending arena, forging a conduit between investors and borrowers to channel capital towards businesses. Since its inception in 2018, operating from the vibrant city of Riga, Latvia, Debitum has made significant strides. The platform has […]