Cryptocurrency & Coins: Function, History and Future

No investment advice or purchase recommendation!

All information provided here does not constitute investment advice or a recommendation to buy. All statements are my general published opinion. I have obtained the information from my experience as a private investor. This experience report cannot and is not intended to replace personal investment advice from professionals.

Since March (11 months), the gains have been extreme:

• BitCoin (BTC) 453.9%
• Ethereum (ETH) 376.2%
• Binary Coin (BNB) with 428.5%

The view becomes even more blatant if you double the period round about again, to 24 months. If you had invested 2 years ago, you would make + 1,000% profit today. 24 months ago, the price stood at exactly $5,000, with which you could have bought 1 Bitcoin. Today, you would immediately get $54,000 for it, + $49,000 profit.

Coin (BTC) price in the course: What if?

What if you had invested in 2013? At that time, the price was still around $120 in October. Half a year later, Bitcoin was at $140 and at the end of 2013, in December, Bitcoin reached the $1,000 mark for the first time. Initially, the Bitcoin was at a few cents for a long time.

You want to trade yourself? Trading has never been so easy! Buy from 1 euro with these apps:

Download (Android + iOS): eToro

And a little tip, Made in Germany:

Download (Android + iOS) Trade Republic

Development of the cryptocurrency

Many still think very critically about cryptocurrency, especially those who have not yet had their own, long-term experience. Many customers I have conversations with also view cryptocurrency critically. They prefer to invest in stocks, index funds, art.

Don’t invest in cryptocurrency! Risky, dangerous… really?

But anyone who has been interested in the subject from an early age has experienced the unstoppable triumph of digital currencies, or cryptocurrencies, for themselves. From the first “have you ever heard of bitcoin?”, to “wow, bitcoin is at $100”, to today’s “unbelievable, $45,000”. What’s next? Many are already speculating on the next target, the:

100.000 $ Bitcoin exchange rate

For more than 10 years, we have been hearing “risk, dangerous…”, but history shows that digital currency is becoming increasingly established. Not only in the minds of people, but also in business (see payment method Paypal, Tesla) and also in governments, which are testing the first digital currency models.

Honestly – While in the beginning you thought every week it will be over soon, it turned into months and years. Now cryptocurrency, especially for the new generation, is often more present than classic financial investments. Today, there is no longer just bitcoin and few other alternatives but a whole pool of cryptocurrencies. Software companies, banks, governments, everyone is now talking about digital currency. Business giants like Paypal and Tesla accept them as a means of payment.

Are we only at the beginning of the digital age?

Economics is psychology. Just like digital currencies

Those who were there have now experienced an entire decade, i.e. 10 years. Bitcoin went “online” in 2009.

So if you’re 30 years old or younger, you’ve known digital currencies for half your life. Anyone born after 2000 has never known the world differently.

In fact, after more than 10 years, a psychological stability is emerging. People trust the digital currency

Critics and first movers: Isn’t the stock market always risky?

Cinema used to be demonized, as were television and the Internet. New things cause fear – and opportunities for those who are brave (Frist Mover).

Critics say: Too much risk, too much fluctuation. But isn’t it always like that when you think of shares? Of course, shares are something else, there is a concrete countervalue behind you (brand, products, inventory, etc.). But fluctuations are quite normal on the stock exchange, at the latest with leverage products. If you only have a short-term view, you will naturally only see something up and down. Those who think in the long term can build up their assets.

Therefore, I want with this small special, not only a look at the development of the large, well-known cryptocurrencies such as Bitcoin, Litecoin, Ethereum & Co. overturn, but also on new alternatives.

Cryptocurrency quickly explained

Never heard of the structure behind cryptocurrency?

Here once briefly, very simply explained, how the concept cryptocurrency works. Normal currencies, so-called FIAT currencies, such as the euro or on the US dollar are determined by the individual central banks. That is, individual bodies, people decide what happens.

Cryptocurrencies and coins, on the other hand, are determined only by supply and demand. Bitcoin, like other cryptocurrencies, is therefore free from government supervision and is determined only by the market (supply/demand).

Anyone who was involved with cryptocurrency just five years ago would have noticed next to nothing about it in the media. In the meantime, it is standard that banks, auditors, but also governments present more and more papers and strategies, some countries even explore the active use of cryptocurrency in their own financial system.

Blockchain: “Linked data packets”

Cryptocurrency itself is, simply put, a coded chain of data. The so-called blockchain.

How does cryptocurrency work?

Everything is set up as a P2P network (peer-to-peer). Data is therefore stored in a decentralized manner. All data blocks are linked to that of the predecessor. Within this distributed database, all transactions are actually known!

So the whole thing is a network where cryptography-signed messages are published – technical term: blockchain. You want to take a look at these transactions? Here you can see live how individual trades sometimes sell up to 100 Bitcoins and how sums in the millions go over the table:

• Bitcoin transactions – live on blockchain.com
• Ethereum transactions – live on blockchain.com

Trading volumes rise and rise: Digital currencies

Just this week, the news has rolled over, after PayPal has already announced that it wants to accept Bitcoin as a means of payment, Tesla has also produced big news this week. On the one hand, Bitcoin is to be accepted as a means of payment, and on the other hand, Tesla itself has invested 1.5 billion dollars in Bitcoin. Tesla probably made more money from the subsequent jump in the share price than from all electric cars (link for to article “Tesla killer” Nio) combined. The price spoke after the announcement by about $20,000 upwards, almost 100% of the market value.

Bitcoin is the most recognized digital currency after its first decade. Besides Bitcoin, there are a few other representatives that have been around longer. These include Ethereum, Litecoin and Bitcoin Cash.

Today new coins are coming after, interesting as an investment?

Coins under $5: Bitcoin Alternatives

Now before we get to evaluating the rates, here’s a look at an investment strategy that is emerging as digital currencies become more diversified. Why do I find coins under $5 so interesting? Question 1: Short-term development +/- 6 months:

• A) What is the probability that bitcoin will double in the next few months? So from currently ~ $45,000 to $90,000
• B) What is the probability that new coins, for under $5 will double in the same time period?

Read more about this and 2 other crypto trading strategies here.

Interesting at the moment are coins like

• Ripple (XRP) ~ $0.58
• Cardano (ADA) ~ $0.90
• IOTA (MIOTA) ~ $1.23
• Stellar (XLM) ~ $0.55
• EOS ~ $4.70
• TROM (TRX) ~ $0.05
• Tezos (XTZ) ~ $4.74

Still skeptical? What if… 24 months investment

In my new article I have opened an example calculation, which I also wanted to show quickly here. The assumption:

What if you had invested in bitcoin 2 years ago?

Imagine you bought bitcoins a few years ago for €5,000. Today, the price is $53,000. If you sold it today, you would have $265,000 in your pocket. That’s a whole $260,000 profit. Even after deducting the capital gains tax (profits from capital transactions must always be taxed in Germany) of 25%, you are left with $165,000 net profit, even after taxation. If you haven’t paid any capital gains tax yet, it will only be due when you close your year, so not directly when you sell the cryptos.

Example calculation: 24 months Bitcoin – 5,300 % profit

If you had invested today, exactly 2 years ago, you would have made 5,300% profit now

Profit in a few years:

• Buy for $5,000 at $1,000/ 5 bitcoins
• Current price $53,000 * 5 coins = $265,000 value
• Profit: $260,000
• Profit (after tax): $195,000

PS: As I write this article, the price has already risen above $54,000. Directly an update:

Profit in a few years:

• Buy for $5,000 at $1,000/ 5 bitcoins
• Current price $54,000 * 5 coins = $270,000 value
• Profit: $265,000
• Profit (after tax): $198,750

So during the article, my profit would have increased again by +$5,000.

Even 24 months ago, you would have made + 1,000%. Here, the price stood at exactly $5,000, with which you could have bought 1 Bitcoin. Today, you would immediately get $54,000 for it, + $49,000 profit.

Courses in the pandemic: analysis and evaluation

Here is a look at a few courses as examples. Did you know? There are now over 1,400 digital currencies. However, only a fraction have trading volumes over $1,000/day. These ones move hundreds of millions:

BitCoin (BTC)

Ethereum, ETH, Bitcoin, BTC, EOS, comparison, analysis, Covid-19, Corona, pandemic, currency trading, forex trading, cryptocurrency, coin, digital currency, price gains, rate, price history – an overview.

Price high immediately before / after Corona:

• Price high (beginning of 2020): 10,200
• Price high (beginning of 2021): 46,300
• Difference: +36,100
• Price level: 453.9%
• More about: Bitcoin

BitCoin (BTC) / USD

BitCoin (BTC) / EUR

Ethereum (ETH)

Price high immediately before / after Corona:

• Price high (early 2020): 311
• Price high (beginning of 2021): 1170
• Difference: +859
• Price level: 376.2%
• More about: Ethereum

Ethereum (ETH) / USD

Ethereum (ETH) / EUR

Binary Coin (BNB)

Price high immediately before / after Corona:

• Price high (beginning of 2020): 28
• Price high (beginning of 2021): 120
• Difference: +92
• Price level: 428.5

Binary Coin (BNB) / USD

Binary Coin (BNB) / EUR

EOS

Price high immediately before / after Corona:

• Price high (beginning of 2020): 5.4
• Price high (beginning of 2021): 4.3
• Difference: -0.9
• Price level: 79.6

EOS / USD

EOS / EUR

Trading: Reading Tips

1. Trading App: Recommendation
2. Trading strategies
3. Cryptocurrencies: List

Trading App: Recommendation

eToro App – Trade stocks, ETF, cryptocurrency, in my blog you have already learned a lot about trading. Lots of questions of course: which app do you trade with, what do I recommend? So today I want to share with you my favorite trading app, eToro. 29.88% asset growth in 12 months, with low risk through “Copy People” and “Copy Portfolios” or up to 127.35% through active trading and trading strategies. Learn about the app, fees and more here step by step.

• Trading App

Trading strategies

Whether it’s crytocurrency, currency trading, stocks, commodities or precious metals, these 3 strategies will help you understand the basic stock market game. I developed these 3 strategies to help beginners and novices understand the mechanics in a nutshell. Since I grew up with Bitcoin rather than stocks, here in particular a strong reference to digital currencies. But the mechanisms or strategies are the same for these 5 investment types: crytocurrency, currency trading, stocks, commodities or precious metals. I would exclude ETFs and index funds, as the risks and price fluctuations are significantly lower here.

• Trading strategies

Cryptocurrencies: List

BitCoin, BitCoin Cash, Ethereum, Litecoin, Dash, Ripple, Zcash or Binarcy Coin: They are considered the answer to traditional means of payment. Through the digitalization and decentralization of money, banks become superfluous. Only buyers and sellers are responsible for the control and security of their digital money. You want to invest in Bitcoin & Co. too? We have an overview of the most popular cryptocurrencies here.

• Cryptocurrencies: List

NFT: Digital Art / Crypto Art

Digital art, a new phenomenon. Here you’ll learn everything: What is an NFT? How do you buy NFTs? What marketplaces are there and how is the art market developing for investors. Meanwhile, higher prices are being achieved in the digital art market than in the physical one. Collections like “CryptoPunks” , “Bored Ape Yacht Club” are just two of the most famous works of digital art. The work “5,000 Days” made the artist overnight the 3rd richest living artist (sold at the price of $69 million at Christies). Buy, sell, collections and picture frames of digital art.

• Digital Art / NFT

How can you invest in cryptocurrency? Investment Strategies

For beginners and novices, I would summarize the stock market in general and digital currency in particular, like this:

1. Defensive – buy and hold portfolio of “well-known” brands
2. Defensive – buy and hold portfolio of “new” brands
3. Active trading with TP, SL and order placement

Reading tip: Which app do I use to buy and sell shares, cryptocurrency & Co. Here is the answer! My recommendation: trading app. Trading has never been so easy!

No investment advice or purchase recommendation!

All information provided here does not constitute investment advice or a recommendation to buy. All statements are my general published opinion. I have obtained the information from my experience as a private investor. This experience report cannot and is not intended to replace personal investment advice from professionals.

Strategy 1: Well-known brands, hold for the long term

Strategy 1 is simple and the “safest” form of investment on the stock market. Bet on known values. The easiest way to do this is through ETFs (index funds). These bundle several values from one area. For example, the DAX, it contains the largest, German, listed companies. If you invest your money here, you spread your capital on different companies from Germany. This minimizes your risk.

But you could also buy shares yourself that have been successful in the long term. Classics from the DAX, for example Daimler, Adidas, Bayer or Deutsche Wohnen.

In the field of cryptocurrencies comparable – Important: Much higher risk – with Bitcoin or Ethereum. You then hold these purchases in your portfolio for 1 year, 3 years or 5 years.

Strategy 1 summarized:

1. Buy known, solid (< 5 years) values
2. Hold your portfolio for a long time (> 1 year)

Strategy 2: New coins and broad investment portfolio

Why do I find coins under $5 so interesting?

My second strategy, which I want to present to you, deals with coin alternatives. By this I mean coins that have only appeared in the last 1-3 years. Another factor, they must be listed with large, reputable brokers. Because, the price of cryptocurrency is created by supply and demand. This means that only when sufficient demand is generated (range of brokers), the investment is profitable. The third central aspect is of course the price development itself, in the long term and in the short term.

1. Listing with major brokers
2. Relatively new (< 3 years)
3. Share price development

Bitcoin or alternatives? Here is a brief explanation of what makes the alternatives so attractive to me personally as an investment opportunity. As I said, economics is psychology. Coins are based purely on supply and demand.

Question 1: Short-term development +/- 6 months

• A) What is the probability that bitcoin will double in the next few months? So from currently ~ $45,000 to $90,000
• B) What is the probability that new coins, for under $5 will double in the same period?

Important for Beginners – It is not about whether a single stock makes $1.24 or $1.13 profit / loss. Ultimately, it is about relative changes (percent), just as with stocks. Which paper / currency / coin / etc. goes up 5%, 6%, 7%, etc. in 30 days. Ultimately, wealth building and profit maximization is not about specific values. You can easily compare the percentages of different investments.

Question 2: Long-term development +/- 12 months

• A) What is the probability that bitcoin will reach ten times its value? After 10 years on the market.
• B) What is the probability that a relatively new cryptocurrency such as XTZ (Tezos), TRX (TRON), EOS or XLM (Stellar) will increase its value tenfold, in the same time period?

Risk awareness: Price fluctuations

What you definitely have to be prepared for when investing in cryptocurrency is very high price fluctuations. While a stock might regularly lose 5 or 10%, cryptocurrency can go down up to 30, 40 or 50%.

If you have invested 10,000 euros and in the morning – 5,000 is in your account, stay calm!

Tip – Stock market always means strategy. Strategy means “a precise plan for a behavior”. That means for you simply said:

You sell at a profit. As a rule, you are not impressed by short-term price fluctuations.

Cryptocurrency Trading Tips: My top 3

For the reasons stated above (risk), it is so important (for individuals):

1. View cryptocurrency as a long-term investment strategy (3 months to 3 years).
2. Cryptocurrency is part of the investment portfolio (5 to 10%)
3. Diversify your crypto portfolio, just like you would with stocks in an ETF (spread a capital across multiple coins)

Investment portfolio: Shares, ETF, Commodities, Precious Metals & Co.

Briefly on diversifying your investment portfolio:

Cryptocurrencies are still very close to each other. With bitcoin as the perceived reserve currency, prices go up and down. If you spread a stock portfolio across several public companies, usually only a fraction of your stocks go in down, so a few papers, not all. With cryptocurrencies, market movements are closely linked.

General:

Diversify your portfolio!

Don’t just buy 1 coin, divide your equity among several. Crypto should only make up 5-10% of your portfolio. The rest is made up of investment alternatives like stocks, ETF, commodities, precious metals, possibly FIAT currencies, etc.

Strategy 3: Hochtief Trading

Wealth accumulation with less risk, prefer long-term investment strategies. If you want to maximize your profit, you have to trade daily and stick with it.

Here’s some insight on how you can act even more “professionally.”

Traders who are aware of high risk use all their capital to make trades that are risky but have high profit. One possibility is cryptocurrencies, precisely because the price fluctuations are so high.

The higher the price fluctuation, the faster the deal

So it’s about daily, hourly, buy and sell. Unlike stock trading, this requires full attention as the price is subject to constant fluctuations. Your goal:

Taking targeted profits from differences in highs and lows

Trading explained: profit taking, loss stop and margin

These 4 aspects are particularly important here:

1. Margin (profit margin of the broker)
2. Take profit (TP)
3. Stop Loss (SL)
4. Buy planned in advance

Simply explained, it works like this.

Margin: Broker fees on purchase

First of all, let’s talk about “margin”. As you have already learned, the margin is the profit margin of your broker (provider of the platform, website or app). Some brokers take an additional order fee of 5 to 10 €. With most “modern” apps, you no longer have to pay this, only the margin.

Tip! Trade without order fee and without Marin? If you have your residence outside of Germany, then you can trade with Robin Hood (no advertising link)! The highlight: Robinhood is free of margin trading. I would also like to, unfortunately I have my residence in Germany. Unfortunately we can’t do that in Germany. Not yet. I myself trade, after I really tested all apps, everything from stocks to ETF and Crypto with Etoro.

This fee for the purchase, is usually about 2% of the price. The selling price is the actual value. The purchase price is the actual value plus the broker’s margin.

• Sell: $100 (price)
• Buy: $102 (including margin of $2)

Take Profit: Take profits

As soon as you buy, you usually set 2 values as a trade. Your TP, i.e. “Take Profit” indicates when your order should be sold again.

A simple example is psychological values, like $10,000 price value, $10,200 price value, $11,000 price value, etc., when we talk about bitcoin. For a stock like Tesla, this would be just $880, $890, then $900 again.

When, which jump is how high, you can not predict, but you can guess. The biggest jumps are usually on

• X.5 – something like $9.50 or $15
• X,0 – even values like 10$ or 200$

The fluctuations are smaller for X.1 steps.

Once a stock or other tradable asset reaches these levels, many traders take the profit, why? Because many do. As a result, the price goes down. Reminder: supply and demand.

If this downward price jump is greater than the broker’s margin, the automatic sale through the take profit (TP) is worthwhile.

This way you can buy the coin again at a lower price directly after the price collapse. With this purchase, you then directly set a new TP and can use even small price fluctuations to maximize your assets.

Calculation example: profit taking

This is how the game of “Take Profit” and “Margin” works.

• You buy for $150, have $147 value
• Price goes to $200 (some sell through TP automatically, you do too).
• Profit: 53$, assets increase to 200$
• Price drops to $180
• You buy for 200$, have 196$ value
• All others now have $180 value

This way you try to take only price increases. In this way, your capital increases step by step without being reduced by falling prices.

Because of your increased capital, you now hold a higher value.

Portfolio increase: + $ 16

You repeat this step over and over again.

This way you protect your capital from falling prices (if your price targets, within the investment strategy, are reached).

Your assets have increased by +$16 (despite re-investment), i.e. a whole +10.6%.

Profit + $16
Relative + 10.6 %

This profit is not taken by the majority of investors. This is where you get the extra profits.

Stop Loss (SL): Stop losses

The principle is quickly explained. Stop Loss(SL) protects you from too high losses.

Stop Loss is the counterpart. If the cryptocurrency falls below a certain value, the position is automatically sold. In regular stock trading, you might set your stop loss at 60%, 80%. That is, if the paper is at 60 or 80% of the purchase value, it is sold.

You can define the values at any time. Either as a concrete contribution, or as a percentage value.

Plan ahead for purchases: Buy cheap at lows

Do you know the saying: In the purchase lies the profit?

You can buy financial products directly, i.e. execute a “Direct Order” or place an order.

• Direct order (immediate)
• Placed order (pre-planned)

You can buy cryptocurrency directly or plan your purchase in advance. So, if you expect the cryptocurrency to fall below a certain price, you can schedule the purchase in advance to drive your profit further up.

Let’s say bitcoin is currently at $45,300 and stagnating. You have time to trade, but you think that the price will go below 45,000 today, maybe even 44,800, because there is hardly any momentum in the market. Instead of buying directly at the price of $45,300, you place an order at the price of $44,950. Should the case occur, you will have made 0.77% extra profit.

With the high-low strategy, you can generate even more profit in combination. If this pre-order works 5x, your fortune increases additionally by itself by the fortune increase in each individual trade. So to speak, compound interest, only as profit.

1. Trade – 0.77 %
2. Trade – 1.55 %
3. Trade – 2.33 %
4. Trade – 3.12 %
5. Trade – 3.91 % (+0.06%)

Sell + Buy: Trading Tip

With my articles and guides, I want to help you save money! In my first trade, I made -5,500 euros in 1 hour. Why? I wanted to practice quickly. Because besides my companies, I only have the morning and the night for trading.

What is the Quint Essence?

“Quantum interest” explained: take short-term profits

I came up with the term “quantum interest” to clarify the concept. We do not wait for the big end, we also use small jumps (price movements) to take interest (profits).

A quantum leap is often perceived as something big. In fact, however, a quantum leap is the smallest possible unit in physics, simply put. Smaller than any virus, smaller than any atom, smaller than a proton, even smaller than an electron.

As you have already learned in the article on trading strategies, taking profit from small movements, is a good strategy to build your wealth further. Because that’s how you take:

1. Gains from long-term increase in share prices and
2. Gains from short-term price fluctuations

Time sale and schedule new purchases

I have built this table myself to calculate when I re-enter after a TP (Take Profit; selling the stock/currency/etc.). For this I subtract the margin x2 (i.e. the trading fee of the trader). At eToro, for example, you pay round about the following fees (margin) per trade:

• Cryptocurrency: 3%
• Shares: 0.2 %

Download: Sell / Buy Table

In my table, the whole thing looks like this. In the line “Sell” you enter the rate at which you have set your TP. Of course, the table is also available for you and the community as a free download:

• Sell / Buy – Table, Download

The table contains:

• Calculation margin sale / purchase for cryptocurrency (% at eToro)
• Calculation margin sale / purchase for shares
• Calculation leverage (spreadsheet 2)

Price Alert for Realtime Trading

In addition, I set up a price alert. This is then always slightly below the price, usually 0.5 – 1% before my TP. So I can reorder directly after the sale.

Tip! You can also “buy” automatically! To do this, you do not place your order directly, but buy at a certain price value. You can do this easily when buying the cryptos, stock, etc..

Leverage effect explained (Leverage)

What does leverage mean for financial products?

Leverage means increased capital / risk.

For pretty much all products you can use leverage in trading apps and with brokers. Simply put, a short-term loan from the broker. This increases the profits and (!) the risk. You give $1,000, take a leverage of 10, and you have $10,000 of capital tied up.

X10 = from 1.000 you make 10.000

Examples of levers:

Also, some mapped index funds automatically have leverage, such as the China 50.

Strategies for trade: risk assessment

You are probably already aware of the risk of the 3 forms of trading.

1. Defensive – buy and hold portfolio of “well-known” brands
2. Defensive – buy and hold portfolio of “new” brands
3. Active trading with TP, SL and order placement

Strategy 1 is defensive, you bet on “known brands” and hold the individual stocks for a long time, i.e. at least 6 months, maybe even 3 or 5 years. The risk is lower in relation to strategy 2 & 3.

Strategy 2 focuses on new values. No matter if cryptocurrency or stocks. For cryptocurrencies, this means that you buy Bitcoin (BTC), Ethereum, Litecoin (LTC), Dash, but also XTZ (Tezos), TRX (TRON), EOS or XLM (Stellar) in the portfolio. By diversifying across different assets, you try to minimize the risk for individual failures. The principle of an index fund. As an example and comparison to stock trading, here you would bet on new brands like Nio or Niu in addition to Tesla as an electric car manufacturer.

Strategy 3 requires your constant attention. You have to keep an eye on the prices, their origin, course and current values. Only then you can estimate how individual values will develop. The risk for mistakes is accordingly large if you want to trade “on the side”.

Now for the big question:

Can you make a lot of money with trading?

My trading strategies currently look like this, that I have 2 portfolios. My return in the investment account 1) is about 3.41% and in 2) currently about 8.56% per month.

1. Investment account (Strategy 1)
2. Trading Training Account (Strategy 2/3)

My current trading strategy: 50 / 50

50 / 50 means – One “serious” with stocks and ETFs and a second with stocks, ETFs, cryptocurrency and sometimes commodities / precious metals. So to say: 1) my investment account and 2) my trading training account. In both are about 50% of my capital.

As described, my return in the investment account 1) is about 3.41% and in 2) currently round about 8.56% per month. Your first important learning of the trading strategies above is also back: %-values are more important than Euro or US Dollar.

Accordingly, you can express the question, can you make a lot of money with trading? but also in numbers.

Development: Long-term trading

Thus, an investment of $10,000 grows in one year, with a monthly return of 3.41%.

• Investment: $10,000
• Capital after 1 year: $13,983.81
• Increase: + $ 3,983.81
• Yield / month: 3.41
• Yield / year: 39.84

Development: Daily Trading

Thus, a $10,000 investment grows in one year, with a monthly return of 8.56%.

• Investment: $10,000
• Capital after 1 year: $22,735.18
• Increase: + $12,735.18
• Yield / month: 8.56
• Yield / year: 127.35

Warning: You can only achieve such returns with 1) practice 2) significantly higher risk and 3) constant “readiness” in trading.

Cryptocurrency: reading tips

1. Trading App: Recommendation
2. Cryptocurrencies: List
3. Cryptocurrency future? History

Trading App: Recommendation

eToro App – Trade stocks, ETF, cryptocurrency, in my blog you have already learned a lot about trading. Lots of questions of course: which app do you trade with, what do I recommend? So today I want to share with you my favorite trading app, eToro. 29.88% asset growth in 12 months, with low risk through “Copy People” and “Copy Portfolios” or up to 127.35% through active trading and trading strategies. Learn about the app, fees and more here step by step.

• Trading App

Cryptocurrencies: List

BitCoin, BitCoin Cash, Ethereum, Litecoin, Dash, Ripple, Zcash or Binarcy Coin: They are considered the answer to traditional means of payment. Through the digitalization and decentralization of money, banks become superfluous. Only buyers and sellers are responsible for the control and security of their digital money. You want to invest in Bitcoin & Co. too? We have an overview of the most popular cryptocurrencies here.

• Cryptocurrencies: List

Cryptocurrency future? History

The world is increasingly sent into lockdown by the new Covid-19 virus. March 2020 was the month in which stock market prices also plummeted. Papers like those of Lufthansa fell to ~ 1/5 of their pre-value. Minus 80% losses in a few weeks. This happened to almost all sectors, except e-commerce and online trading. In contrast, the price of Bitcoin and other cryptocurrencies is holding up. What makes cryptocurrency stand out? Why im wanting to buy more cryptocurrency? Since March, BitCoin (BTC) has reached 453.9%. Ethereum (ETH) 376.2% and Binary Coin (BNB) at 428.5%. Currency trading is attracting more and more investors, including individuals. The phenomenon is strong in forex, but more investors are also getting involved in the stock market, as seen recently at GameStop. A look at the development, 12 months after the start of the pandemic, in mid-February; with the consequences of the lock down in March.

• Cryptocurrency future?

Share, ETF, Crypto: My experiences / mistakes

Stocks, ETF, Forex, Cryptocurrency, Social Trading – Here’s a little list of a few learnings that cost me money but are so simple you should know them! You want to buy stocks, index funds, cryptocurrency like Bitcoin or Ethereum, foreign exchange (currencies)? You’re thinking whether house bank, direct bank, online broker or app? Trading all on your own at risk or new options like social trading via app? My experiences and mistakes!

• Share, ETF, Crypto: My Experience

Find individual and beautiful dream homes

Dream homes offer plenty of space for individual needs. They are flooded with light, the rooms are large and pleasantly cut. The exterior architecture is worth seeing. Dream houses stand out from the classic building by an appealing exterior design. A large balcony, a terrace on the roof or a romantic bay window are built into dream houses. The view from the balcony or terrace goes into the green, to a lake or to the sea. The interior of a dream house can be described as upscale. High-quality furniture in the kitchen, expensive sanitary ceramics and hard-wearing, visually appealing floors are just as much a part of it as an advantageous cut of the individual rooms. The kitchen is equipped with a cooking island and a spacious dining area. A separate dining room is also happily furnished. The large living room has high windows and direct access to the terrace or garden.

Energy efficiency of the dream houses

Dream houses are characterised by a modern energy-saving heating system. Renewable energies and independence from a regional energy supplier are popular. In the meantime, technology has advanced so far that self-sufficiency is used with a powerful solar system in combination with the possibility of storing energy. In this way, the homeowner produces his own electricity and only needs to use the services of an energy supplier for a few weeks or months of the year. The insulation of the exterior walls, windows and doors not only provides very good sound insulation, but also a high saving in the consumption of heating energy. The houses are therefore particularly environmentally friendly. Heat pumps, which are operated with the self-generated electricity, do not require fuels such as gas or oil. These resources are no longer needed, which is another positive effect.

Safety issues

Dream houses are more expensive in their purchase price than homes with classic equipment. This sometimes attracts people with criminal energy. To prevent burglary, many dream homes are equipped with an alarm system and other security systems such as an electronic gate and video surveillance. The modern smart home system makes it possible to network different components and conveniently control them with your smartphone. In this way, you can also switch on your heating, prepare the coffee machine or close the blinds on hot days while on the move. You also have a view of your house at all times by calling up the images from the video camera while on the move. You can find dream homes in the city, in outlying areas and in rural areas. However, buying such a house always involves a larger investment.

More information about buying real estate

What else you need to consider when buying a property and what tips can help you finance the property of your dreams.

Planning and financing: costs, credits, tips

In most cases, the purchase of a property is accompanied by financing. Very few property buyers are in a position to pay cash for their property. Financing for a property usually extends over a period of ten to 30 years. Careful planning is therefore very important. A stable income is one of the essential requirements for secure financing. The income should be secured for the financing period. You must take into account changes in life planning as well as the possibility of loss of earnings due to illness or unemployment. Young couples may want to have children, which also affects income.

• Click here for tips on planning and financing.

What types of houses are there? Real estate guide

You just need a little more space? However, the choices of real estate these days are very large. Especially when buying a property, there are many factors to consider and choosing the right type of house is essential. What house types there are, and what makes each of them, we would like to tell you in this article. Learn about the characteristics and special features of each type of house, and let us show you the advantages and disadvantages. With the help of this guide, it should be easier for you to choose the property that is perfect for you. Get an overview and learn about the world of bungalows, terraced houses and villas!

• Click here for the house types.