You Won’t Believe How This 12-Year-Old Turned a Small Bitcoin Investment into a MASSIVE Fortune.
Success stories often seem larger than life, especially in crypto where the environment is very volatile.
But what if we told you that one of the most incredible tales involves a teenager who started investing when he was just 12 years old? Erik Finman, once a regular kid, turned his small Bitcoin investment into a massive fortune by the time he was 18.
How did he do it? Let’s look into his story and explore the key factors that made him a crypto millionaire before most people even knew what Bitcoin was.
A Glimpse Into His Early Life

Erik Finman
Before Erik Finman made his mark in the crypto world, he was like many other kids — curious, ambitious, and slightly rebellious. Growing up in Idaho, Finman wasn’t fond of traditional schooling. He found the education system restrictive and uninspiring, often clashing with teachers who doubted his potential. One teacher even told him he would never amount to anything, which only fueled his determination to prove them wrong.
Finman’s family, though supportive, didn’t have immense wealth. However, his entrepreneurial spirit was evident from a young age. Instead of following the typical route of excelling in school, he focused on his passions for technology and innovation.
His life changed dramatically when, at age 12, his grandmother gave him $1,000 — a gift that would lead him on a path to cryptocurrency success. And as of now, his net worth is sitting at $4 million.

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1. Early Adoption: The Power of Timing
One of the most important factors in Erik Finman’s success was his early entry into the cryptocurrency market. Back in 2011, Bitcoin was still in its infancy, trading at just $12 per coin. While many people were skeptical, Finman saw the potential in this new digital currency. He used his $1,000 gift to buy his first Bitcoins, marking the start of his incredible journey.
The key takeaway here? Sometimes, success lies in being ahead of the curve. Spotting opportunities early and taking action can make all the difference.
2. High Risk, High Reward
Investing in cryptocurrency, especially back in 2011, was considered risky. There were no guarantees that Bitcoin would succeed, and many doubted its long-term value. But Finman didn’t let the fear of the unknown stop him. He believed in the potential of Bitcoin and was willing to take a risk by putting his entire $1,000 into the investment.
While risk is part of any investment, Finman’s story reminds us that being willing to take calculated risks can open the door to massive rewards. The higher the risk, the greater the potential payoff — if you play your cards right.
3. Research and Curiosity
Understand what you’re investing in. Finman wasn’t just lucky. He did his homework. As a curious 12-year-old, he dove deep into the world of cryptocurrency, learning everything he could about Bitcoin and blockchain technology. He didn’t just blindly invest; he researched the market, studied the trends, and understood the potential of the technology behind Bitcoin.
This is a vital lesson for anyone interested in investing: do your research. Whether it’s crypto, stocks, or any other asset, understanding the market and what you’re investing in is very important for long-term success.
4. Persistence and Patience Pay Off
One of the biggest challenges in cryptocurrency is dealing with its notorious volatility. Bitcoin’s value has had its ups and downs over the years, but Finman didn’t let short-term drops shake his confidence. He held onto his Bitcoin through the turbulent times, believing in its future value.
Patience is a key aspect of Finman’s success. Staying focused on long-term growth and not getting swayed by short-term market swings is a common trait among successful investors. His persistence paid off when Bitcoin’s value surged, turning his initial investment into over $1 million.
5. Expanding Beyond Bitcoin
Finman’s journey didn’t stop with Bitcoin. After becoming a millionaire, he ventured into other projects, including creating education tech tools and working on innovative startups. He continued to diversify his interests and take advantage of new opportunities.
His entrepreneurial mindset is another reason for his success. Finman’s willingness to think beyond the traditional career path allowed him to seize opportunities others might have missed. He even famously dropped out of school, believing in his ability to create his own path to success.
Finally, Finman’s Top Secret…. Thinking Outside the Box
What truly sets Erik Finman apart is his belief in innovation and breaking away from conventional systems. Finman didn’t follow the traditional route of school, college, and career. Instead, he chose to pursue his passion for technology and cryptocurrency, even when others doubted him.
His story serves as a reminder that success doesn’t always follow a conventional path. Whether it’s investing early, taking risks, or pursuing innovative ideas, thinking outside the box can open the door to incredible opportunities.
Final Thoughts: Lessons from the Youngest Crypto Millionaire
Erik Finman’s journey to becoming the youngest crypto millionaire is more than just a story about getting rich — it’s about recognizing opportunities, being willing to take risks, and having the patience to see things through. Whether you’re a seasoned investor or just starting out in the crypto space, there’s something to learn from his experience.
Timing matters: Early adoption can be a game-changer.Take calculated risks: Don’t let fear hold you back.Do your homework: Research and knowledge are essential.Be patient: Success doesn’t happen overnight.Think differently: Don’t be afraid to break away from traditional paths.
If you’re inspired by Erik Finman’s story, remember that the world of crypto — and investing in general — requires a mix of strategy, curiosity, and a little bit of bravery.
Who knows? You might just be the next success story waiting to happen!
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JAM might be the potential game-changer in the world of blockchain!
Have you ever wondered why some blockchain networks seem to struggle with speed and efficiency?
While Ethereum has promised big upgrades to make its platform faster and cheaper for users, progress has been slow. On the other hand, Polkadot is stepping up with its own ambitious plan called JAM, designed to improve scalability much faster.
Do you think JAM can overcome the challenges that have slowed down Ethereum, or will it face similar obstacles?
Let’s explore what makes JAM a potential game-changer in the world of blockchain!
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What is the JAM Project?
Blockchain ideas often start as just ideas written down. But it’s only when those ideas are turned into real things that we can see if they work. Dr. Gavin Wood, who came up with JAM, is known for his big ideas.
The JAM project is really ambitious, but it seems like people are excited about it and are working hard to make it happen. Polkadot, a similar project, is also making progress. If JAM succeeds, it could change how we use blockchains and make them better for everyone.

Dr. Gavin Wood and the Gray Paper
The blockchain landscape has changed a lot since Ethereum and Polkadot were introduced. Ethereum, launched in 2015, brought smart contracts but can only handle about 30 transactions per second (TPS), and during busy times, gas fees can exceed $50, making it hard for many users to access.
Polkadot allows different blockchains to work together but often faces issues with isolated chains that limit how well they can connect.
This is where the Join-Accumulate Machine (JAM) comes in. It combines the best features of both. JAM is designed to process up to more TPS, a huge improvement over Ethereum, while keeping costs low and ensuring security.
By overcoming the limitations of current blockchain systems, JAM aims to create a more scalable and accessible platform that fosters innovation and encourages collaboration, making it a strong candidate for the future of blockchain technology.
JAM: The Fusion of Ethereum and Polkadot
Ethereum and Polkadot are two leading blockchain platforms, each with its unique strengths and weaknesses. Ethereum offers smart contracts for creating decentralized applications, while Polkadot provides a multi-chain architecture for interoperability.
JAM, a new blockchain platform, aims to combine the best of both worlds, offering a comprehensive solution with enhanced scalability and security.
Key Features of JAM
Smart Contracts: Like Ethereum, JAM allows developers to create self-executing contracts that automate agreements without intermediaries.Parachains: Similar to Polkadot, JAM supports multiple parallel blockchains (parachains) that can be customized for specific use cases.Shared Security: JAM provides a shared security layer for all parachains, ensuring the entire network remains secure.Native ZK-rollups: Unlike Ethereum, JAM offers built-in ZK-rollup technology for significantly improved scalability and lower transaction costs.Interoperability: JAM’s architecture enables seamless communication and value transfer between different blockchains.
JAM’s unique combination of features positions it as a promising platform for building and running decentralized applications with enhanced scalability, security, and interoperability.
Ethereum vs. Polkadot — Which Has More Issues?
Ethereum and Polkadot, despite their innovations, both face limitations that impact their performance and adoption. Ethereum, while known for its robust platform for decentralized applications (DApps) and smart contracts, has struggled with scalability issues.
The network often experiences congestion during high demand, leading to slow transaction times and high fees. Even with the transition to Proof-of-Stake (PoS) through Ethereum 2.0, these challenges persist, and Ethereum’s ability to scale efficiently while maintaining decentralization remains a concern.

Ethereum vs. Polkadot
Polkadot, though offering impressive scalability through its parachain architecture, faces limitations as well. Its network is relatively new compared to Ethereum, and adoption is still growing. One limitation is the complexity of integrating different blockchains into its ecosystem, which requires significant technical expertise.
Additionally, while Polkadot’s governance system allows for decentralized decision-making, it can also lead to slower protocol upgrades and changes, as the process depends on community consensus. Polkadot’s reliance on a central Relay Chain also introduces a potential bottleneck for the network’s overall performance.
So Why Does JAM Stands Out?
Let’s talk about strengths!
JAM stands out as an effective solution that addresses the limitations of existing platforms like Ethereum and Polkadot. With its innovative architecture and user-centric design, JAM offers a variety of advantages that help developers and enhance user experiences.
By prioritizing scalability, efficiency, and interoperability, JAM not only simplifies the development process but also sets the stage for a solid and versatile blockchain ecosystem.
Here are the key advantages that make JAM a game-changer in the world of blockchain technology.
Enhanced Scalability
JAM aims to significantly increase Polkadot’s transaction throughput, supporting up to 268,000 transactions per second.
This improvement is crucial for handling the growing demand for decentralized applications and services on Polkadot.
Universal Compatibility
JAM is designed to be compatible with various blockchain architectures, fostering a more interconnected and interoperable ecosystem.
This allows developers to build applications that can seamlessly interact with different blockchains.
Incentivized Development
The Web3 Foundation has offered a substantial prize pool to encourage developers to contribute to JAM implementations.
This incentivizes participation and fosters a growing community around the JAM protocol.
AI Integration Potential
JAM’s architecture is well-suited for integrating AI agents, which can automate business processes and enhance enterprise applications.
AI agents can be created and deployed on Polkadot using smart contracts, enabling them to interact with other decentralized applications and services.
Decentralized Ownership and Monetization
AI agents can be owned and controlled by multiple stakeholders, promoting a decentralized ecosystem.
This enables developers, users, and investors to benefit from AI-driven applications.
JAM Prize
The JAM Prize, supported by the Web3 Foundation, is an exciting initiative designed to encourage innovation in blockchain technology. With a generous fund of 10 million DOT, this prize aims to motivate developers to create and implement the JAM protocol in various ways.
By offering rewards for different programming languages and project types, the JAM Prize invites a wide range of ideas and solutions, enhancing the overall capabilities of the JAM network.
The ultimate goal is to promote strong, effective uses of the JAM protocol while building a knowledgeable and skilled community around it.
JAM Toaster: A Revolutionary Approach to Blockchain Testing
To help the JAM chain achieve its performance and reliability goals, a new testing platform called the JAM Toaster has been created. This advanced system is designed to run large-scale tests and performance evaluations, making it much more effective than smaller testing networks that often struggle with limited resources and unreliable technology.

Dr. Gavin Wood on The JAM Toaster
What makes the JAM Toaster special is its ability to host all operations of the JAM chain. It features 1,023 nodes, which helps developers study how the network behaves under different conditions.
This comprehensive setup addresses challenges faced by earlier testing systems, like those used in Polkadot and Kusama, which had fewer nodes and restricted access.
With the JAM Toaster, developers can conduct experiments and analyze results in a realistic environment, leading to a better understanding of how a large-scale blockchain operates. This ensures that they can build reliable and scalable solutions that meet the needs of businesses effectively.
JAM for Scalable Blockchains
JAM is still in its early development stages and is expected to take about two years before it is fully ready for use. Once deployed, it promises to be a powerful tool for developers by merging the benefits of smart contracts with Polkadot’s innovative parachain structure. This integration could significantly advance blockchain technology.
JAM will support multi-core processing, smart contracts, native ZK-rollups, and innovative transactionless applications, achieving an impressive throughput of 850 MB/s and the ability to handle over 3.4 million transactions per second (TPS).
Overall, JAM is an ambitious project that has the potential to transform both the Polkadot ecosystem and the broader field of blockchain technology.
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Swipe Your Crypto!
Have you ever thought about the day when you could use your cryptocurrency to buy groceries or shop online as easily as swiping a debit card? Imagine if your crypto was instantly available at millions of stores without having to wait days for transactions to clear.
Well, Mastercard has made that a reality with their latest innovation — a crypto debit card that lets you spend your digital assets directly from your mobile wallet at over 100 million merchants worldwide.
With Apple Pay and Google Pay integration, could this be the game-changer that finally brings cryptocurrency into everyday use?
Let’s see!
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What is Mastercard’s Crypto Debit Card?
Mastercard has partnered with Mercuryo to launch a game-changing crypto debit card that allows users to spend their digital assets at over 100 million merchants globally.
This euro-denominated card supports major cryptocurrencies like Bitcoin, and by integrating with Apple Pay and Google Pay, users can now pay for everyday items using their crypto directly from their mobile wallets.

Mastercard’s Crypto Debit Card
With over millions of people currently holding cryptocurrency, this innovation is poised to shift the way digital assets are used in the real world, moving from speculative investments to practical, everyday spending.
How Does the Crypto Debit Card Work?
The process is simple.
When users sell their cryptocurrency, the funds are immediately transferred to the card, making the balance available in real time. This is a significant improvement over traditional methods, which can take 1–2 days for money to show up in a bank account after selling crypto.
With this debit card, you can buy groceries, shop online, or pay for services right away — no slow conversions, no hassle. It’s a game-changer for anyone who wants to turn their digital assets into spendable cash instantly, without needing an exchange or third-party wallet.
I’ve been using RedotPay, which not only offers FREE crypto transfers but also makes it super easy to split costs fairly or send unforgettable crypto presents — all from one app. I even use it to pay for my travels, and it’s made my life a whole lot easier!
Pros and Cons of Mastercard’s Crypto Debit Card
First off, Mastercard’s crypto debit card makes accessing your funds super easy. It’s accepted by over 100 million merchants, so you can use it almost anywhere, and it works seamlessly with mobile wallets like Apple Pay and Google Pay.
On the flip side, there are a few things to watch out for. There can be fees involved, which is always something to consider. And depending on where you live, there might be regional restrictions.
Let’s look at more of these consideration below:

Pros and Cons of Mastercard’s Crypto Debit Card
Pros:
Instant Access: Users can instantly convert and spend their cryptocurrency without waiting days for transactions to process.Widespread Acceptance: The card can be used at over 100 million merchants, making it easy to integrate into everyday purchases.User-Friendly: The integration with mobile wallets like Apple Pay and Google Pay simplifies the spending process for non-tech-savvy users.Self-Custody Support: Users maintain control over their private keys, enhancing security and privacy when spending their digital assets.Encouraging Adoption: By making it easier to use cryptocurrencies, this card could help accelerate mainstream adoption of digital assets.
Cons:
Fees: The card incurs a €1.6 issuance fee and a €1 monthly maintenance fee, which could deter some users from adopting it.Regulatory Compliance: Users must navigate complex regulations, including AML and KYC, which may create barriers for some.Limited to Certain Regions: While it’s accepted globally, the specific features and regulatory compliance may vary by region, limiting usability.Market Volatility: Cryptocurrencies are known for their price volatility, which can affect the purchasing power of the funds loaded onto the card.Not Fully Decentralized: While it offers self-custody features, the card is still tied to traditional banking systems, which may deter hardcore crypto enthusiasts.
Accelerating Crypto Adoption
Mastercard’s crypto debit card could have a huge impact on mainstream crypto adoption. According to recent reports, 57% of online marketplaces are interested in expanding their digital wallet offerings. This easy-to-use card eliminates the complexity of crypto payments by allowing non-tech-savvy users to make purchases in stores and online.
With a potential 12% increase in crypto payments in Europe alone over the next year, the card is paving the way for more consumers and businesses to use digital currencies, making crypto as accessible as traditional payment methods.
Expansion of Crypto Usage Worldwide
With over 210 countries and territories connected to its payment infrastructure, Mastercard has created a global bridge between traditional finance and cryptocurrencies.
In Europe alone, you can use cryptocurrencies at 100 million merchants, showing just how much people want to use digital assets for payments
The ability to spend crypto directly from a self-custodial wallet has changed the way users engage with their digital currencies. Mastercard has played a big role in this trend, partnering with companies like MetaMask and Baanx to roll out crypto-to-fiat cards in the EU and U.K.
How It Can Overcome Challenges in Crypto Payments
Even though using cryptocurrency for everyday payments has its perks, there are still some challenges. One big issue is that cryptocurrencies have to follow strict rules, especially in Europe. Here, they have requirements like anti-money laundering (AML) and know-your-customer (KYC) rules that everyone must follow.
To make things easier, Mastercard has launched a new card that meets the Markets in Crypto-Assets (MiCA) guidelines. This means users can spend their crypto confidently, knowing they’re following the law.
Furthermore, this card comes with a low €1.6 issuance fee and a €1 monthly maintenance fee, making it affordable for everyday users to access their crypto assets without breaking the bank.
Bridge the Gap Between Crypto and Everyday Spending
So, want to spend your crypto like regular cash? Mastercard’s new card lets you do just that! It’s easy to use, has low fees, and is totally safe. Say goodbye to converting your crypto and hello to spending it anywhere.
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Imagine a single penny holding the potential to transform your life.
That’s the power behind “sats,” the smallest unit of Bitcoin, each worth a minuscule fraction (0.00000001) of a whole Bitcoin. While they may seem insignificant, sats collectively represent a revolutionary form of digital currency, and with their growing value, securing them is very important.
Unfortunately, the digital world has its own set of dangers. Hackers, phishers, and malware lurk in the shadows waiting to exploit vulnerabilities and steal your hard-earned sats. But don’t worry! By understanding these threats and implementing the right safeguards, you can ensure your digital treasure remains safe.
How? Continue reading below to learn more about the top tips for keeping your Bitcoin safe.
What are the Different Threats to your Bitcoin?
It’s important to be aware of potential threats when it comes to Bitcoin security. Here are a few common dangers you should know about:
Hacking
Bad actors can try to gain unauthorised access to your Bitcoin wallets. They might do this by finding weaknesses or loopholes in the software used to store and manage your Bitcoin. They might also try to trick you into giving them access by using clever tactics or by pretending to be someone they’re not.
Phishing
Phishing is a type of scam where criminals try to trick you into revealing your private keys or wallet information. They might send you fake emails that look like they’re from a trustworthy source, or they might create fake websites or social media accounts that appear legitimate.
Their goal is to get you to provide your sensitive information so they can steal your Bitcoin.
Malware
Malware is malicious software that can be unknowingly downloaded and installed on your computer. Once installed, it can compromise the security of your Bitcoin wallet. Malware can come in different forms, such as viruses, trojans, or spyware.
It’s important to be cautious about the files and programs you download and to have proper antivirus software installed on your computer to protect against malware.
Tips for Keeping Your Bitcoin Safe
Choosing a Secure Wallet
Your Bitcoin wallet is like your digital bank vault, so choosing the right one is crucial. Here’s a breakdown of the two main types:
Hot Wallets: These are convenient, online wallets accessible from your computer or phone. They’re ideal for everyday transactions but less secure since they’re constantly connected to the internet, making them more susceptible to hacking attempts.Cold Wallets: These are offline wallets that store your Bitcoin private keys (essentially passwords) on a physical device, completely disconnected from the internet. They offer superior security but are less convenient for frequent transactions.
Recommendation:
For most users, a reputable hot wallet paired with strong security practices (explained later) is sufficient for everyday use. However, for storing large amounts of Bitcoin, a hardware cold wallet is highly recommended due to its superior security.
Implementing Strong Passwords and 2FA
Think of your password as the key to your vault. Here’s how to make it unbreakable:
Strong Passwords: Avoid birthdays, pet names, or dictionary words. Instead, use a combination of uppercase and lowercase letters, numbers, and symbols with at least 15 characters. Consider using a password manager to generate and store these complex passwords securely.Never share your password with anyone.2-factor authentication (2FA): Adding another layer of security is crucial. This is where 2-factor authentication (2FA) comes in. 2FA requires a second verification step beyond your password, like a code sent to your phone, making it much harder for unauthorized access even if your password is compromised.
Remember: Strong passwords and 2FA are essential for both hot and cold wallets. They’re the first line of defense against potential threats, so take them seriously and implement them consistently.
Cold Storage for Large Holdings
Think of cold storage wallets as a bank vault for your digital assets. They offer unparalleled security by storing your private keys offline, completely disconnected from the internet, making them immune to online attacks.
Here are some popular cold storage options:
Hardware Wallets: These dedicated physical devices resemble USB drives and provide the highest level of security. They are relatively inexpensive and user-friendly for everyday transactions once set up.Paper Wallets: These are simply paper printouts containing your private key information. While highly secure due to being offline, they are prone to loss or damage and are not recommended for frequent transactions.
Investing in a hardware wallet is highly recommended for significant Bitcoin holdings due to its superior security and relative ease of use.
Multi-Signature Wallets
Multi-signature wallets operate on the principle that it requires multiple private keys (held by different individuals or devices) to authorise a Bitcoin transaction. This adds an extra layer of security, making it impossible for any single party to access your funds without the others’ approval.
Use Cases:
Ideal for individuals jointly managing Bitcoin investments, requiring everyone’s consent for transactions.Provides additional protection against theft or unauthorised access, even if one private key is compromised.
Securely Backing Up Your Wallets
Your wallet’s backup is your lifeline in case of loss, damage, or device failure. It’s crucial to back up your wallet information securely. Try a seed phrase or a series of random words that restore your wallet and private keys. Store it offline and securely, ideally handwritten and kept in a safe place. Never share your seed phrase with anyone!
Summary
Safeguarding your Bitcoin requires a layered approach. Choose a reliable hot wallet for daily use, and consider a hardware wallet for larger holdings. Always implement strong, unique passwords and 2FA for added protection.
For significant investments, explore advanced measures like cold storage and multi-signature wallets. Most importantly, ensure your wallet is securely backed up using methods like seed phrases or dedicated hardware backups.
Remember, staying informed and proactive is important for keeping your Bitcoin safe.

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What did you missed last month?
It’s only been the first week of September but if you missed what happened in crypto last month, you could be trading blindly.
But I got you brother!
August was a total rollercoaster! One minute we were soaring high, the next we were holding on for dear life. From mind-blowing gains to heart-stopping dips, this month had it all.
I know, I know — you’re probably wondering what the heck happened. We’re talking about the biggest winners, the epic fails, and all the WTF moments that made us scratch our heads.
In this post, I’ll deliver the craziest crypto stories of the month.
Trust me, you won’t believe what went down.
Bitcoin Just Crushed $60K! What’s Next?

Holy moly, Bitcoin just smashed through the $60K barrier like it was nothing! One minute it was stuck below, the next it’s surging past $60,800. Insane! And it wasn’t a slow climb either, this thing shot up over $1,000 in just an hour. That’s some serious buying pressure!
$60K is a big psychological hurdle, and technically it’s a key level too. The strength of this breakout is definitely making me bullish.

Now, everyone’s talking about the next target: $63K. That’s the 200-day moving average, which basically shows the long-term trend. Getting past that would be a huge win. Of course, it wasn’t all smooth sailing. The price swing was pretty big, and there were over $100 million in liquidations. That just shows how volatile things are right now.
So, what next? Honestly, it’s anyone’s guess. There’s a tug-of-war happening between buyers and sellers at this $60,800 level. The technical indicators are all giving mixed signals — a flat MACD, a neutral RSI. Basically, the market is waiting for a sign, a nudge one way or another.
August Came a bit Harsh for SOL
August has been a cold shower for Solana dreamers.
The harsh truth is that past performance is no guarantee of future success. August has been a sobering month for SOL investors, as the cryptocurrency faces a critical challenge: rampant inflation.
Since August 2023, Solana’s token supply has been inflating at a worrying 15% annual rate. That’s a lot of new tokens flooding the market. While the platform’s speed and growing user base are undeniably impressive, this rapid dilution is a serious spanner in the works for price appreciation.

The recent 43% crash during a supposed bull market was a wake-up call. Can you imagine what will happen when the bear truly rears its ugly head?
I’m not here to spread fear, uncertainty, and doubt. I’m simply calling a spade a spade. It might be time to reconsider our positions.
But don’t lose hope!
Solana has proven its resilience time and again. It’s a network that refuses to be counted out. A big part of its success is its dedicated community.
Top 5 Reasons I’m Bullish on Solana:

SOL Market Cap Differential vs. ETH
Market Cap Differential vs. ETH: Ethereum is the 800-pound gorilla, but Solana is the scrappy underdog with a massive growth runway. It’s outperforming Ethereum in key metrics, and if it can keep up this momentum, we could see a price explosion.TVL and DEX Volume: Solana’s total value locked is at its highest point in over two years, and its DEXes are busier than ever. This shows people are not only choosing Solana for DeFi, but they’re actually using it.DeFi User Growth: Solana is quickly becoming a top choice for DeFi users. Its speed and affordability make it perfect for trading and other DeFi apps.Firedancer Upgrade & Institutional Adoption: The upcoming Firedancer upgrade is designed to supercharge Solana’s performance, and institutional interest is growing. This is a major catalyst for future growth.
Read my full analysis about this on my post available in Medium @TheLuWizz  5 EPIC REASONS To Bet on Solana NOW!.
My Top Crypto Picks this August
If I were looking to add some digital assets to my portfolio right now, I’d be seriously considering Bitcoin, Ethereum, and XRP.
Bitcoin

Let’s start with Bitcoin. It’s the OG of cryptocurrencies, the undisputed king with the biggest market cap. I’m impressed by its recent performance — a 0.26% price increase in the past week and a whopping 124.54% year-over-year return.
The launch of spot Bitcoin ETFs has brought in a ton of new money, and with events like potential interest rate cuts on the horizon, Bitcoin’s price could see even more upward momentum.
Currently sitting at $58,561.97, I know it’s a hefty price tag, but for many, Bitcoin is seen as digital gold.
Ethereum

Next up, Ethereum. The runner-up in the crypto world, Ethereum has also been performing well. With its shift to a Proof-of-Stake model and the recent approval of spot Ether ETFs, investor confidence is high.
It’s up 2.70% in the past week and a solid 56.52% year-over-year. At $2,621.09, Ethereum is definitely in the investment spotlight.
Solana

I’m all in on Solana! Despite the harsh seasons it encountered earlier this month, this high-speed, low-fee blockchain is STILL absolutely killing it as Ethereum’s top competitor. It’s been on an insane run, reaching over 584% in the past year!
Right now, Solana is the fourth biggest crypto out there, but I think it’s got even more room to grow. With a price of $147.35 and a market cap of $69.6 billion, it’s showing serious strength.
And guess what? It’s been climbing steadily over the past week, with a 3.32% increase in the last 24 hours alone.
Trust me, Solana is a beast.
And mind you, this is just the beginning!
You don’t want to miss what happened next so make sure to read the full story in my Substack below. And don’t worry because it is completely FREE! No strings attached.
Read more stories on Bitcoin Broke $60K! Plus Solana's Slump, Trump's Portfolio, My Top Crypto Picks, and more travel stories!

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Gmail users are freaking out! Rumors are flying around that Google is deleting accounts left and right.
But don’t panic. It’s true that Google is getting rid of some Gmail accounts, but it’s not a mass purge. Google recently decided to clean up accounts that haven’t been used in a long time.
This policy specifically targets Gmail accounts that have not been accessed for an extended period.
Why is Google Deleting Inactive Gmail Accounts?
Google’s decision to delete inactive Gmail accounts is primarily driven by two key factors: security and data management.
Security
Weak passwords: Inactive accounts are more likely to have outdated or easily guessable passwords. These weak passwords can be exploited by hackers, putting users’ personal information at risk.Lack of two-factor authentication: Many inactive accounts may not have enabled two-factor authentication, a security feature that requires users to provide a code from a second device in addition to their password.Reduced attack surface: By deleting inactive accounts, Google can reduce the number of potential targets for hackers, making it harder for them to find vulnerable accounts.
Data Management
Storage efficiency: When you don’t use your Gmail account for a long time, it can take up space on Google’s computers. By deleting old accounts, Google can free up space for people who use their accounts a lot.Data privacy: Old accounts might have private information that could be stolen. Deleting them helps keep your data safe.Reduced operational costs: Managing a large number of inactive accounts can be costly. By deleting these accounts, Google can reduce its operational expenses and allocate resources to other areas of its business.
5 Ways to How to Protect Your Gmail Account from Deletion
While it’s true that Google is taking action against inactive accounts, there’s no need to panic. By following these simple steps, you can ensure that your Gmail account remains safe and secure.
1. Regular Usage
The easiest way to prevent your Gmail account from being deleted is to use it regularly. This means actively engaging with the platform at least once every two years.
Here are some examples of activities that count as account usage:
Sending or receiving emails: This is the most basic form of Gmail activity. Even if you don’t send or receive emails frequently, simply logging into your account and checking your inbox can help keep it active.Sharing photos: If you use Google Photos to store and share your photos, this counts as account usage.Watching YouTube videos: YouTube is a Google service, so watching videos on YouTube also contributes to your account activity.Using Google Drive: If you use Google Drive for storage or collaboration, this counts as account usage.
2. Strong Security Measures
A strong password is essential for protecting your Gmail account from unauthorized access. Avoid using easily guessable information like your name, birthday, or pet’s name. Instead, create a complex password that combines uppercase and lowercase letters, numbers, and symbols.
You can also add an extra layer of protection called two-factor authentication, or 2FA for short. This means you’ll need to use a code from your phone along with your password to log in. Even if someone steals your password, they won’t be able to get into your account.
And don’t forget to check your Google account security settings regularly. This will help you find any weak spots and make your account even stronger

Google Account Security Check-up
3. Account Management
If you have more than one Gmail account, it might be easier to just use one. This way, you won’t forget to check your emails. Also, if one of your old accounts gets hacked, it won’t affect your main one.
4. Review Your Connected Apps
A lot of apps and websites want to use your Gmail account. It’s cool that they can, but it also means they could mess with your account if they’re bad. So, it’s a good idea to check which apps are connected to your Gmail and get rid of the ones you don’t like or trust anymore.
By doing these things, you can keep your Gmail account safe and working. It’s important to protect your account because it’s where you do a lot of your transactions online, especially if you’re a crypto trader like me.
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September is Crypto’s Big Month! Top Crypto events this September that you can’t afford to ignore.

This month surely whispers of new beginnings and of fresh opportunities. For crypto traders, like you and me it’s a time of both anticipation and trepidation. In fact, this could make or break your trading year!
In this guide, we’re gonna chat about the key dates you need to circle on your calendar. Because trust me, we got a full pack of massive crypto events from major conferences to potential market-moving events.
Ready to dig into your personal cheat sheet this September?
But before that, make sure that you have followed me on Substack TheLuWizz. That’s where I share all the latest crypto trends and financial insights in the market that you won’t get anywhere else.Oh, and it’s all FREE! Subscribe now!
Must-Know Dates in September for Crypto

September Crypto Calendar: MartyParty
Just yesterday, one of favorite crypto influencer MartyParty released a post on his Twitter outlining the major crypto happenings this September. If you look at the calendar, it sure signals a lot of profit potential to crypto traders. Many traders got so hyped and are preparing their portfolio for what will be a potential shower of opportunities.
How about you? Are you ready for these big events? If you’re not yet sure how to get started, don’t worry just keep on reading because I’ll help you prepare and piece this out together especially on the most important upcoming dates highlighted in blue.
September 10, 2024- Trump Harris Debate
Debate Details:
Date & Time: September 10 at 9 p.m. ETLocation: National Constitution Center, PhiladelphiaModerators: David Muir and Linsey Davis
I’m really keeping an eye on this debate. The candidates’ views on cryptocurrency could seriously impact its future in the U.S. Trump’s generally been against strict regulations, which is good news for the crypto market. Harris, on the other hand, is more likely to support tighter controls.
As they dive into economic issues, their stances on crypto could sway investor sentiment and move the market. Digital currencies are playing a bigger role these days, so how they talk about these pieces of information could shape the future of crypto in the country.
September 10,2024- US House Committee Crypto Hearing 1/3
Mark your calendars on the same date as the House Financial Services Committee is about to dive deep into crypto, starting with a DeFi hearing. This is huge, especially considering the SEC and IRS have been eyeing DeFi with a critical eye.
The potential rules coming out of this hearing could seriously shake up the DeFi landscape. We’re talking about issues that could make or break projects. So, keep an eye on this one. It’s gonna be a big deal for the crypto world.
September 11, 2024- US CPI
The CPI is about to drop. This is a big deal for crypto. Think of it as a pulse check for the economy. If the numbers come in higher than expected, it’s generally good news for the USD, which can put pressure on crypto. But a lower-than-expected reading could be a positive for crypto.
So, why is this important? Well, the CPI affects everything from interest rates to investor sentiment. And both of those can directly influence the crypto market. It’s like a domino effect. So, stay informed on the CPI, and you’ll be better equipped to make informed trades.
September 11, 2024- US PPI
This is another important economic indicator to watch. The US Producer Price Index (PPI) measures inflation at the wholesale level, which means it tracks the prices that businesses pay for things like raw materials and services. For example, if the PPI shows that the cost of steel is rising, that could lead to higher prices for cars and buildings.
Why is this important for cryptocurrency? If the PPI goes up, it often means inflation is increasing. This can lead to higher interest rates. For instance, if the Federal Reserve decides to raise interest rates to control inflation, borrowing money becomes more expensive. This can make people less likely to invest in risky assets like cryptocurrencies.
September 11, 2024- US Initial Jobless Claims
Another important economic indicator to watch is the US unemployment rate. It’s basically a measure of how many people are out of work and looking for jobs. A low rate is good news for the US economy, which can be positive for the USD.
Why is this important for crypto? Well, a strong USD can impact crypto prices. So, keep an eye on the unemployment rate. It’s a key factor to consider when making trading decisions.
The Federal Open Market Committee (FOMC) votes on interest rates, and this decision has a direct effect on the value of the US dollar. If the interest rate increases more than expected, it usually strengthens the dollar, making it more valuable compared to other currencies. For example, if the rate goes up, people might want to hold more dollars because they can earn more interest on their savings.
On the other hand, if the interest rate is lower than expected, it can weaken the dollar, making it less valuable.
Investors pay close attention to these votes because the outcome can significantly influence currency trading and investment strategies. Keeping an eye on the FOMC’s decisions can help you understand how the dollar might perform.
September 18,2024- US House Committee Crypto Hearing 2/3
On September 18, there will be a packed schedule with two important hearings. The first hearing will take place in the morning and will focus on the enforcement practices of the Securities and Exchange Commission (SEC), which regulates financial markets.
Later in the day, there will be a hearing about “pig butchering.” This is a type of scam where someone pretends to be a romantic partner to trick people into giving them money or assets. Both hearings are significant and will cover crucial topics that could impact investors and the public.
September 18,2024- US House Committee Crypto Hearing 3/3
Then on September 23, a full committee hearing could be very significant for the cryptocurrency world, as the SEC is scheduled to testify. The House committee is planning to hear from SEC Chair Gary Gensler and the other four commissioners all at once, which is quite unusual.
This hearing comes at a time when lawmakers are discussing new legislation that could limit the SEC’s authority over digital assets and give more power to the Commodity Futures Trading Commission (CFTC). While the chances of passing new crypto laws this year are uncertain, there is still time for lawmakers to work on these bills. Key figures, including Senate Majority Leader Chuck Schumer (D-N.Y.), have expressed their commitment to getting something accomplished in this area.
With major events and announcements on the horizon, it’s certainly looking promising.
From regulatory developments to groundbreaking innovations, the potential for significant changes is undeniable.
There are still a lot of things that can happen this month, so if you want to stay updated, just follow me on my Substack TheLuWizz to receive FREE weekly and monthly crypto analysis plusmajor news updates!
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Have you ever wondered why some blockchain networks seem to struggle with speed and efficiency?
While Ethereum has promised big upgrades to make its platform faster and cheaper for users, progress has been slow. On the other hand, Polkadot is stepping up with its own ambitious plan called JAM, designed to improve scalability much faster.
Do you think JAM can overcome the challenges that have slowed down Ethereum, or will it face similar obstacles?
Let’s explore what makes JAM a potential game-changer in the world of blockchain!
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What is the JAM Project?
Blockchain ideas often start as just ideas written down. But it’s only when those ideas are turned into real things that we can see if they work. Dr. Gavin Wood, who came up with JAM, is known for his big ideas.
The JAM project is really ambitious, but it seems like people are excited about it and are working hard to make it happen. Polkadot, a similar project, is also making progress. If JAM succeeds, it could change how we use blockchains and make them better for everyone.

Dr. Gavin Wood and the Gray Paper
The blockchain landscape has changed a lot since Ethereum and Polkadot were introduced. Ethereum, launched in 2015, brought smart contracts but can only handle about 30 transactions per second (TPS), and during busy times, gas fees can exceed $50, making it hard for many users to access.
Polkadot allows different blockchains to work together but often faces issues with isolated chains that limit how well they can connect.
This is where the Join-Accumulate Machine (JAM) comes in. It combines the best features of both. JAM is designed to process up to more TPS, a huge improvement over Ethereum, while keeping costs low and ensuring security.
By overcoming the limitations of current blockchain systems, JAM aims to create a more scalable and accessible platform that fosters innovation and encourages collaboration, making it a strong candidate for the future of blockchain technology.
JAM: The Fusion of Ethereum and Polkadot
Ethereum and Polkadot are two leading blockchain platforms, each with its unique strengths and weaknesses. Ethereum offers smart contracts for creating decentralized applications, while Polkadot provides a multi-chain architecture for interoperability.
JAM, a new blockchain platform, aims to combine the best of both worlds, offering a comprehensive solution with enhanced scalability and security.
Key Features of JAM
Smart Contracts: Like Ethereum, JAM allows developers to create self-executing contracts that automate agreements without intermediaries.Parachains: Similar to Polkadot, JAM supports multiple parallel blockchains (parachains) that can be customized for specific use cases.Shared Security: JAM provides a shared security layer for all parachains, ensuring the entire network remains secure.Native ZK-rollups: Unlike Ethereum, JAM offers built-in ZK-rollup technology for significantly improved scalability and lower transaction costs.Interoperability: JAM’s architecture enables seamless communication and value transfer between different blockchains.
JAM’s unique combination of features positions it as a promising platform for building and running decentralized applications with enhanced scalability, security, and interoperability.
The Great Debate: Ethereum vs. Polkadot — Which Has More Issues?
Ethereum and Polkadot, despite their innovations, both face limitations that impact their performance and adoption. Ethereum, while known for its robust platform for decentralized applications (DApps) and smart contracts, has struggled with scalability issues.
The network often experiences congestion during high demand, leading to slow transaction times and high fees. Even with the transition to Proof-of-Stake (PoS) through Ethereum 2.0, these challenges persist, and Ethereum’s ability to scale efficiently while maintaining decentralization remains a concern.

Ethereum vs. Polkadot
Polkadot, though offering impressive scalability through its parachain architecture, faces limitations as well. Its network is relatively new compared to Ethereum, and adoption is still growing. One limitation is the complexity of integrating different blockchains into its ecosystem, which requires significant technical expertise.
Additionally, while Polkadot’s governance system allows for decentralized decision-making, it can also lead to slower protocol upgrades and changes, as the process depends on community consensus. Polkadot’s reliance on a central Relay Chain also introduces a potential bottleneck for the network’s overall performance.
So Why Does JAM Stands Out?
Let’s talk about strengths!
JAM stands out as an effective solution that addresses the limitations of existing platforms like Ethereum and Polkadot. With its innovative architecture and user-centric design, JAM offers a variety of advantages that help developers and enhance user experiences.
By prioritizing scalability, efficiency, and interoperability, JAM not only simplifies the development process but also sets the stage for a solid and versatile blockchain ecosystem.
Here are the key advantages that make JAM a game-changer in the world of blockchain technology.
Enhanced Scalability
JAM aims to significantly increase Polkadot’s transaction throughput, supporting up to 268,000 transactions per second.
This improvement is crucial for handling the growing demand for decentralized applications and services on Polkadot.
Universal Compatibility
JAM is designed to be compatible with various blockchain architectures, fostering a more interconnected and interoperable ecosystem.
This allows developers to build applications that can seamlessly interact with different blockchains.
Incentivized Development
The Web3 Foundation has offered a substantial prize pool to encourage developers to contribute to JAM implementations.
This incentivizes participation and fosters a growing community around the JAM protocol.
AI Integration Potential
JAM’s architecture is well-suited for integrating AI agents, which can automate business processes and enhance enterprise applications.
AI agents can be created and deployed on Polkadot using smart contracts, enabling them to interact with other decentralized applications and services.
Decentralized Ownership and Monetization
AI agents can be owned and controlled by multiple stakeholders, promoting a decentralized ecosystem.
This enables developers, users, and investors to benefit from AI-driven applications.
JAM Prize
The JAM Prize, supported by the Web3 Foundation, is an exciting initiative designed to encourage innovation in blockchain technology. With a generous fund of 10 million DOT, this prize aims to motivate developers to create and implement the JAM protocol in various ways.
By offering rewards for different programming languages and project types, the JAM Prize invites a wide range of ideas and solutions, enhancing the overall capabilities of the JAM network.
The ultimate goal is to promote strong, effective uses of the JAM protocol while building a knowledgeable and skilled community around it.
JAM Toaster: A Revolutionary Approach to Blockchain Testing
To help the JAM chain achieve its performance and reliability goals, a new testing platform called the JAM Toaster has been created. This advanced system is designed to run large-scale tests and performance evaluations, making it much more effective than smaller testing networks that often struggle with limited resources and unreliable technology.

Dr. Gavin Wood on The JAM Toaster
What makes the JAM Toaster special is its ability to host all operations of the JAM chain. It features 1,023 nodes, which helps developers study how the network behaves under different conditions.
This comprehensive setup addresses challenges faced by earlier testing systems, like those used in Polkadot and Kusama, which had fewer nodes and restricted access.
With the JAM Toaster, developers can conduct experiments and analyze results in a realistic environment, leading to a better understanding of how a large-scale blockchain operates. This ensures that they can build reliable and scalable solutions that meet the needs of businesses effectively.
JAM for Scalable Blockchains
JAM is still in its early development stages and is expected to take about two years before it is fully ready for use. Once deployed, it promises to be a powerful tool for developers by merging the benefits of smart contracts with Polkadot’s innovative parachain structure. This integration could significantly advance blockchain technology.
JAM will support multi-core processing, smart contracts, native ZK-rollups, and innovative transactionless applications, achieving an impressive throughput of 850 MB/s and the ability to handle over 3.4 million transactions per second (TPS).
Overall, JAM is an ambitious project that has the potential to transform both the Polkadot ecosystem and the broader field of blockchain technology.
Stay up-to-date on the latest crypto and tech trends. Subscribe to TheLuwizz on Substack for free!
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Ever dreamed of joining the Bitcoin revolution but felt priced out? Well, fret no more! In this blog post, we’ll explore the exciting world of fractional Bitcoin ownership and the power of HODLing (holding on for dear life) even with a small investment like 0.1 Bitcoin.
Bitcoin has surged in value since its creation, and it can be intimidating for new investors to jump in. But what if you could own a piece of Bitcoin without having to buy a whole one? That’s the beauty of fractional ownership!
This blog post will explain how you can get started with Bitcoin even with a limited budget and explore the potential benefits of holding onto your investment for the long term. So buckle up and get ready to learn how 0.1 Bitcoin could be your ticket to the moon!
Fractional Bitcoin Ownership Explained
Forget needing a whole Bitcoin to join the cryptocurrency game! Fractional ownership allows you to own a portion of a single Bitcoin. Imagine a Bitcoin being like a pizza — you can buy the whole pie, or just a slice (or two!).
This makes Bitcoin ownership more accessible, especially for those starting with a smaller investment.
Here are a few ways you can grab your slice of the Bitcoin pie:
Cryptocurrency Exchanges
Many cryptocurrency exchanges now allow you to buy fractions of a Bitcoin. These platforms function similarly to stock exchanges, letting you buy and sell Bitcoin (or fractions of it) at current market prices. They typically charge fees for transactions, so be sure to compare rates before choosing an exchange.
Investment Vehicles
Some investment products, like ETFs (Exchange Traded Funds) or trusts, hold Bitcoin as part of their portfolio. By investing in these, you gain exposure to Bitcoin’s price movements without directly owning a piece of the coin itself. This can be a good option for those seeking a more hands-off approach.
Now, let’s weigh the pros and cons of fractional ownership compared to owning a whole Bitcoin:
Pros of Fractional Ownership:
Lower Investment: The biggest advantage is affordability. You don’t need a massive sum of money to enter the Bitcoin market.Flexibility: You can invest any amount you’re comfortable with, allowing you to diversify your portfolio more easily.Convenience: Fractional ownership simplifies buying and selling, often through user-friendly platforms.
Cons of Fractional Ownership:
Potential Fees: Exchanges and investment vehicles may charge fees for buying, selling, and holding your fractional shares.Limited Control: With some investment vehicles, you might have less control over your Bitcoin compared to directly owning it.Not Owning the Actual Coin: Technically, you don’t directly hold the underlying Bitcoin asset using some fractional ownership methods.
Why HODL Makes Sense, Even with 0.1 Bitcoin
Strap yourselves in because we’re about to delve into the world of HODLing (Hold On for Dear Life). This term translates to a long-term investment strategy where you buy Bitcoin and, well, hold onto it for the long haul.
Here’s why HODLing can be a powerful strategy, even with a small investment like 0.1 Bitcoin.
Bitcoin’s Rise and Potential
Take a look back at Bitcoin’s history. Since its inception, its value has experienced tremendous growth. While past performance isn’t a guarantee of future results, this historical appreciation suggests Bitcoin has the potential to keep climbing. Imagine if you had bought a fraction of a Bitcoin years ago — that small investment could be significantly larger today!
Time in the Market vs. Timing the Market
The beauty of HODLing is that it takes the pressure off trying to “time the market.” The cryptocurrency market can be volatile, with prices fluctuating rapidly. Trying to predict these ups and downs is relatively easy. B
By HODLing, you focus on Bitcoin’s long-term potential, letting time do the work for you. Even if there are short-term dips, a long-term hold allows Bitcoin’s potential growth to shine through.
Acknowledging the Risks
It’s important to be transparent: Bitcoin, like any investment, carries inherent risks. The market is still relatively young, and regulations are evolving. There’s always the possibility of price drops or unforeseen events impacting its value.
However, with 0.1 Bitcoin, you’re limiting your downside potential while still having the chance to benefit from significant upside.
Conclusion
Forget the all-or-nothing approach!
Fractional ownership lets you buy a portion of a Bitcoin, making it a more realistic investment for beginners. Whether you choose a cryptocurrency exchange or an investment vehicle, fractional ownership offers affordability, flexibility, and a user-friendly experience.
A long-term strategy is key. HODLing, or holding onto Bitcoin for the long haul, can be a powerful approach. Bitcoin’s historical growth is promising, and focusing on the long game takes the pressure off trying to predict short-term market fluctuations.
Even a small investment like 0.1 Bitcoin has the potential for significant returns.
Don’t be shy; connect with me on your favorite platforms:
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As a special bonus, I’ve partnered with Fat Pig Signals, an excellent resource for crypto trading signals. Use my code “THELUWIZZ” to get a 15% discount. Happy trading!

The world of cryptocurrency is known for its wild price swings. While these fluctuations can happen at any time, many experts point to a curious trend: crashes seem more frequent on weekends.
This weekend’s vulnerability could have a significant effect on the future of cryptocurrency regulation.
Let’s look at the different reasons why your favourite digital coin might experience a downturn when the workweek ends.
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Reason 1. Trading Slowdown
Picture a busy marketplace filled with people buying and selling goods. Now, imagine that a big chunk of the crowd suddenly vanishes, leaving only a few people behind. This smaller group now has a much bigger influence on the overall buying and selling frenzy.
A similar thing happens in the cryptocurrency market during weekends. Since traditional banks and financial institutions are closed, trades significantly decrease.
Amin Shams, a finance professor at Ohio State University, explains that this lack of activity can amplify the impact of even small trades. When there are fewer buyers and sellers, a cryptocurrency's price becomes more susceptible to sudden movements, potentially leading to crashes.
Reason 2. Bank Closures
Stephen McKeon, a finance professor and cryptocurrency investment expert, points out another factor related to bank closures.
Cryptocurrency exchanges often require investors to have funds readily available in their accounts to facilitate trades. With banks shut down on weekends, some investors may be unable to quickly transfer money, hindering their ability to react to market fluctuations.
This can lead to “panic selling” moments, where investors fearing a downturn offload their holdings, further driving down prices. Typically, a rebound occurs on Sunday night and Monday morning as Asian and U.S. banks reopen, allowing investors to re-enter the market.
Reason 3. The Musk Effect and the Power of Influencers
High-profile figures like Tesla’s CEO Elon Musk can spark significant changes with a single tweet. If Musk were to post a negative comment about Bitcoin outside of regular market hours, it could trigger a wave of selling activity before investors regain access to their accounts on Monday.
This highlights the crypto’s unpredictable nature and dependence on external factors, which can be more impactful during weekends with lower trading volume.
Reason 4. Trading on Margin
Margin trading is a way for investors to borrow money from exchanges in order to buy more cryptocurrency. It’s a strategy that can boost potential profits, but it also comes with a lot of risks.
Here’s how it works: When the prices of cryptocurrencies drop below a certain point, investors who have used margin trading may get a “margin call.” This means they’re required to pay back the loan they took.
The problem is that during weekends, they might face difficulties accessing their bank accounts to repay the loan. In such cases, the exchange they borrowed from might be compelled to sell off the digital assets they hold in order to get back the money they lent. This forced selling by the exchanges can worsen the drop in prices over the weekend.
Reason 5. Market Manipulation
The possibility of market manipulation adds another layer of complexity to the weekend crash phenomenon. Studies suggest that tactics like “tether manipulation” might have artificially inflated cryptocurrency prices in the past.
Tether, a digital currency pegged to the U.S. dollar, could have been used to create a false sense of demand for other cryptocurrencies like Bitcoin. While the extent of such manipulation remains unclear, some believe it could be a contributing factor to weekend price swings.
Spoofing, a tactic in which fake buy or sell orders are placed to influence supply and demand, might also play a role. However, the lack of conclusive evidence makes it difficult to determine the impact of manipulation on weekend crashes.
Reason 6. Crypto ETFs
Cryptocurrency’s weekend crashes pose a challenge for regulators considering the approval of crypto-based exchange-traded funds (ETFs). Unlike cryptocurrencies, ETFs typically trade during regular market hours, creating a potential mismatch for investors holding crypto ETFs.
If a significant price drop occurs over a weekend, investors might be unable to sell their ETF shares until markets reopen on Monday, potentially suffering losses. You will be able to learn this when you learn how to read crypto signals.
This highlights the need for stricter regulations and investor protections before widespread crypto ETF approval can occur.
Wrapping Up
The vulnerability of cryptocurrencies during weekends is a worrisome issue that raises concerns about the stability of the overall market. Regulatory bodies, such as the Securities and Exchange Commission (SEC), are currently reviewing applications for Bitcoin and Ethereum Exchange-Traded Funds (ETFs).
Finding a solution to the problem of weekend crashes will likely play a significant role in shaping the future of cryptocurrency regulation. For now, it’s important for investors to be aware of the increased risks and implement appropriate risk management strategies to safeguard their investments.
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This guide is designed specifically for you, the complete beginner with zero experience, who’s curious about starting your investment journey.
We’ll break down the basics, answer your burning questions, and show you how to get started investing with confidence. Let’s go!
What is Investing?
Investing can be thought of as planting a seed. You put in a little something now (the seed), take care of it over time (watering, sunlight), and ideally, it grows into something much bigger ( a whole plant!). In finance, instead of seeds, we use money.
We invest our money in various places with the expectation that it will grow over time and provide us with benefits in the future.
Here’s a breakdown of the concept:
You commit money: This could be your savings, a portion of your paycheck, or even a windfall.Into an investment vehicle: This is like your pot or garden bed. There are many options, like stocks, bonds, or mutual funds, which we’ll discuss later.With the goal of growth: The ideal outcome is that your investment increases in value over time. There’s also the possibility of earning income along the way.
Why Invest?
So why go through the trouble of investing? There are several compelling reasons:
Grow your wealth: Over time, the return (growth) on your investments can significantly outpace what you might earn by simply keeping your money in a savings account.Reach your financial goals: Investing can help you achieve your dreams, whether it’s a comfortable retirement, a child’s education, or that dream vacation.Protect your purchasing power: Inflation slowly erodes the value of your money over time. Investing can help your money keep pace with inflation or even outpace it.Financial security: Building a strong investment portfolio provides a sense of security and peace of mind for your future.
Setting Financial Goals: Short-Term vs. Long-Term and How Investing Fits In
Financial goals are like roadmaps. They help you determine where you want your money to take you. Typically, we can categorize goals into two main timeframes:
Short-term goals (less than 5 years): These might include saving for a car down payment, a vacation, or emergency expenses. Investing might not be the best fit for these goals, as you may need the money readily available.Long-term goals (5+ years): This is where investing shines! Retirement, a child’s college education, or a dream home are all perfect examples. Investing allows your money to grow over a longer period, potentially generating significant returns to help you achieve these bigger milestones.
Understanding Investment Vehicles
Now that you’re pumped about investing and have your goals set, let’s look at the different types of investments you can choose from.
Stocks: Owning a Piece of the Company
Imagine you own a slice of a delicious pizza. That slice represents a stock, which is essentially a small ownership stake in a real company. When the company does well, its stock price typically goes up, just like the value of your pizza might increase if it’s a rare or sought-after kind. Conversely, if the company struggles, the stock price might go down.
Benefits: Stocks have the potential for high returns over the long term. If a company thrives, the value of your stock could soar. Some companies also pay out dividends, which are like a share of the company’s profits distributed to stockholders.Keep in mind: Stocks can be volatile, meaning their prices can fluctuate significantly. This makes them a riskier option, but also potentially more rewarding.
2. Mutual Funds & ETFs
Imagine instead of just one pizza slice, you have a whole charcuterie board filled with delicious meats, cheeses, and fruits. A mutual fund and Exchange-Traded Fund (ETF) are similar. They pool money from many investors and use it to buy a variety of investments, like stocks, bonds, or even other assets.
Benefits: Mutual funds and ETFs offer diversification, which helps spread out your risk. They are also generally less volatile than individual stocks and are a good option for beginners. Many also offer professional management, where experts do the investment selection for you.Consider this: There are fees associated with mutual funds and ETFs, so be sure to factor those in.
3. Bonds: Reliable Income Streams
Think of a bond as an IOU from a borrower, like a company or government. When you invest in a bond, you’re essentially lending your money to the borrower in exchange for a fixed interest rate paid out regularly.
Benefits: Bonds are generally considered less risky than stocks because they offer a steady stream of income. They can also help to stabilize your portfolio during market downturns.Keep in mind: Bonds typically offer lower returns than stocks. Their value can also fluctuate depending on market interest rates.
Briefly Exploring Other Options:
The investment world is vast! Here’s a quick mention of a couple of other options:
Certificates of Deposit (CDs): Similar to a savings account with a fixed interest rate, but your money is locked in for a specific period.Robo-advisors: These are automated investment platforms that use algorithms to create and manage a portfolio based on your goals and risk tolerance.Crypto Trading- Crypto trading as an investment offers high potential returns, but comes with significant risks. Unlike traditional investments like stocks, crypto requires active management and constant monitoring due to its volatility. But don’t worry, there are Crypto trading guides for beginners to help you get started.
We’ve just scratched the surface of investment vehicles. As you learn more, you’ll discover a wider variety of options to suit your investment strategy.
How to Building Your Investment Strategy
Now it’s time to build your personalized strategy. Here are three key factors to consider:
Risk Tolerance: How Much Loss Can You Handle?
Some people love the thrill of steep drops and sharp turns, while others prefer a tamer ride. Your risk tolerance is similar. It’s your comfort level with potential investment losses.
Aggressive investors: These thrill-seekers are comfortable with significant ups and downs in exchange for the potential for high returns. They may invest more heavily in stocks.Moderate investors: These folks enjoy a moderate pace, seeking a balance between risk and reward. They might have a mix of stocks and bonds.Conservative investors: These steady riders prioritize minimizing risk and focus on capital preservation. They may invest more in bonds and other low-risk options.
Understanding your risk tolerance is crucial. It helps you choose investments that align with your comfort level and sleep patterns! Don’t be afraid to be honest with yourself. A financial advisor can also help you assess your risk tolerance.
When Will You Need the Money?
Imagine you’re planning a trip. If it’s next weekend, you might pack a light bag. But for a year-long adventure, you’d pack more. Your time horizon is similar. It’s the amount of time you have before you’ll need your invested money.
Short-term goals (less than 5 years): These goals might require easier access to your money. Lower-risk options like CDs or bonds might be suitable.Long-term goals (5+ years): You have more time to ride out market fluctuations. Stocks and ETFs can be a good fit for long-term growth potential.
The longer your time horizon, the more risk you can generally afford to take. This is because the market has more time to recover from any downturns.
Asset Allocation
Asset allocation is the art of balancing different investment types in your portfolio based on your risk tolerance and time horizon.
Stocks: Offer high growth potential but also higher risk.Bonds: Provide steadier income and lower risk.Cash & Cash Equivalents: Offer safety and liquidity but lower returns.
There’s no one-size-fits-all answer, but a common starting point for beginners might be a 60/40 allocation (60% stocks, 40% bonds). You can adjust this ratio based on your individual circumstances.
How to Get Started with Investing: Taking Your First Steps
Now you’re equipped with the basics and ready to put your plan into action! Here’s how you can start:
Choose Your Investment Platform
First off, you’ll need a platform to facilitate your investments. These are often called online brokers.
Here’s what to consider when choosing a platform:
Fees: There are different fee structures, like commissions per trade or account management fees. Compare options and choose one that aligns with your investment style (frequent trading vs. long-term holding).Investment options: Make sure the platform offers the investment vehicles you’re interested in, like stocks, ETFs, or mutual funds.Account minimums: Some platforms require a minimum deposit to open an account. Choose one that fits your starting investment amount.User interface: The platform should be user-friendly and easy to navigate, especially for beginners. Look for features like research tools and educational resources.
Do your research! Many online brokers offer commission-free trades and cater to beginner investors. There are also Robo-advisors, which use algorithms to manage your portfolio based on your goals.
Make Your First Investment
Congratulations! You’re about to make your first investment. Here’s a step-by-step guide to get you started:
Fund your account: Transfer money from your checking or savings account to your chosen platform.Choose your investment: Select the stock, ETF, or mutual fund you want to invest in, considering your goals and risk tolerance.Decide on the amount: Start small! It’s wise to begin with a comfortable amount you can afford to invest for the long term.Place your order: Once you’ve chosen everything, follow the platform’s instructions to execute your trade (buy or sell).
Remember, this is just the first step. The key is to be consistent with your investment strategy.
Dollar-Cost Averaging
Dollar-cost averaging (DCA) is a strategy that helps smooth out the investment journey. You invest a fixed amount of money at regular intervals (e.g., monthly) instead of investing a lump sum all at once.
By doing this, you purchase more shares when the price is low and fewer shares when the price is high. This helps average out the cost per share over time.
DCA is a great strategy for beginners as it reduces the impact of market volatility and helps you build discipline.
Conclusion
Congratulations! You’ve taken a giant leap towards a brighter financial future. Let’s recap the key takeaways from this guide:
Investing is about planting seeds for future growth. You put in money today with the expectation that it will grow over time.Investing can help you achieve your financial goals, whether it’s a dream vacation, a child’s education, or a secure retirement.Understanding your risk tolerance and time horizon is crucial for building a personalized investment strategy.There are various investment vehicles available, like stocks, bonds, and mutual funds. Each has its own risk-reward profile.Getting started with investing is easier than you might think. Choose a user-friendly platform, start small, and consider dollar-cost averaging to manage risk.
Investing is Within Your Reach! It might seem complex at first, but with a little education and the right approach, anyone can become an investor. Remember, even small contributions consistently invested can make a significant difference over time.
Don’t be intimidated — take that first step today!
Don’t be shy; connect with me on your favorite platforms:
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Cryptocurrency has exploded in popularity in recent years. Once a niche tech concept, it’s now a hot topic of conversation, attracting both investors and everyday people. This 2024, it’s important to stay informed and connected with the key players shaping the future of this dynamic industry.
That is why, we have compiled a list of 10 must-follow crypto influencers who are leading the charge in 2024. These individuals offer unique insights, analysis, and commentary that can help you navigate the ever-changing crypto landscape.
Let’s go!
Why Should You Follow These Crypto Influencers?
Staying informed in this fast-paced world can be a challenge. Here’s where crypto influencers come in. These individuals are deeply involved in the cryptocurrency space and share their knowledge and insights online. Following them can provide valuable benefits:
Stay up-to-date: Crypto influencers keep you informed about the latest trends, news, and developments in the ever-evolving crypto landscape.Gain new perspectives: Influencers with diverse backgrounds offer a variety of perspectives on the market, helping you form a well-rounded understanding.Learn from the experts: Many influencers are industry veterans or technical specialists, providing valuable insights you might not find elsewhere.
Top 10 Crypto Influencers to Follow
Industry Leaders
Vitalik Buterin (Ethereum co-founder)- @VitalikButerin on Twitter

A young prodigy, Vitalik Buterin co-founded Ethereum, the world’s second-largest cryptocurrency by market capitalization. He’s a computer programmer deeply invested in blockchain technology and its potential applications.
Why You Should Follow Him: Considered a visionary in the crypto space, Buterin offers unique insights into the future of Ethereum and blockchain technology. He frequently shares thoughtful threads on Twitter, discussing technical advancements, potential challenges, and philosophical considerations surrounding crypto’s development.
Changpeng Zhao (Former CEO of Binance)- @cz_binance on Twitter

Changpeng Zhao, often referred to as CZ, is the former CEO of Binance, the world’s largest cryptocurrency exchange by trading volume (as of November 2023). He has a strong background in finance and technology, having previously built high-frequency trading systems for Wall Street firms.
Why You Should Follow Him (Before November 2023): CZ was a highly influential figure, offering practical advice and market analysis. He provided regular updates on Binance’s operations and future plans, keeping followers informed about the exchange’s role in the crypto ecosystem. However, it’s important to note that CZ stepped down as CEO in November 2023.
Tech Evangelists
Andreas Antonopoulos (Blockchain Educator)- @aantonop on Twitter

Andreas Antonopoulos is a well-respected educator and author in the blockchain space. Often referred to as “The Bitcoin Guy”, he’s known for his ability to explain complex technical concepts in a clear and engaging way.
Why You Should Follow Him: Following Andreas Antonopoulos offers several benefits:
Mastering the Basics: He excels at breaking down complex topics like Bitcoin and blockchain technology for beginners. His content is a great way to build a solid foundation in cryptocurrency.Understanding the Bigger Picture: Antonopoulos goes beyond technical aspects, exploring the social, economic, and philosophical implications of blockchain technology.Independent Viewpoint: He strives to present a balanced perspective, highlighting both the potential benefits and drawbacks of cryptocurrency.

Investment Experts
Mike Novogratz (Galaxy Digital CEO)- @novogratz

Mike is a Wall Street veteran with experience at Goldman Sachs and Fortress Investment Group before founding Galaxy Digital in 2018.
He may not be a technical crypto creator, but he is a prominent investor and advocate for the industry.
Why You Should Follow Him:
Gain insights into the institutional investment perspective on cryptocurrency.Hear about Mike’s bullish predictions and overall market sentiment.Stay updated on Galaxy Digital’s ventures and the broader crypto space through his pronouncements.
While Novogratz isn’t known for deep technical analysis, he offers valuable perspectives from a leading crypto investment firm. Consider following other figures for technical breakdowns or educational content.
Anthony Pompliano (often referred to as “Pomp”)

Twitter (Handle: @APompliano) — He’s also active on YouTube with “[The Pomp Podcast](YOUTUBE anthony pompliano podcast)”
Anthony is an entrepreneur and investor with experience at Facebook, Snapchat, and founding Morgan Creek Digital Assets (a hedge fund focused on blockchain technology). He is broadly interested in the intersection of finance, technology, and entrepreneurship, but a vocal advocate for Bitcoin and blockchain potential.
Why You Should Follow Him:
Engaging and informative content: Pomp actively shares his views on the crypto market, making it interesting to follow his perspective.The Pomp Podcast: Offers insightful interviews with various figures in the crypto space, providing a well-rounded view of the industry.“Off the Chain” newsletter: Delivers daily analysis of the crypto industry directly to your inbox (check his website for signup details).
Pompliano is a strong believer in Bitcoin as a long-term investment, so expect a bullish outlook. He offers a good mix of thought leadership and practical analysis through his various platforms.
Cathie Wood (@ARKInvest)

Her full name is Catherine Duddy Wood. While not as active as some on social media, Cathie Wood does participate in interviews and occasionally tweets on ARK Invest’s account (@ARKInvest)
She has over 40 years of experience in investment management. Previously held positions at AllianceBernstein and co-founded Tupelo Capital Management. She is known for her focus on disruptive innovation and thematic investing, particularly in areas like genomics, robotics, artificial intelligence, and blockchain technology.
Cathie Wood’s approach is active management, which can outperform the market or underperform depending on market conditions.
Why You Should Follow Her:
Unique Investment Perspective: Offers insights into a future-oriented investment approach focused on emerging technologies with high-growth potential.ARK Invest’s Research: Gain exposure to ARK Invest’s research reports and analyses on disruptive innovation trends.Understanding Innovation’s Impact: Learn how Cathie Wood views innovation impacting various industries and the broader market.
Note: ARK Invest’s strategies involve a high degree of risk, as they target emerging technologies with uncertain futures. Make sure to follow a mix of investment professionals with different styles and philosophies.
Youtubers/Social Media Influencers
Wendy O (Channel: CryptoWendyO)

Specific details are limited, but Wendy presents herself as an enthusiastic cryptocurrency educator and host of “The O Show” focused on crypto news and analysis. She focuses on delivering basic information, news updates, and interviews with industry figures. She also has a website (https://www.cryptowendyo.com/) with additional content.
Why Traders Might Follow Her (with some reservations):
General Crypto Education: Can be a good starting point for beginners to learn about cryptocurrency basics and general market news.Accessibility: Her content might be easy to understand for those new to the crypto space.Interview Insights: Interviews with industry figures can offer valuable perspectives, however, evaluate the credibility of each guest.
Note: Don’t expect in-depth technical analysis or trading strategies. Also be aware of any sponsorships or promotions mentioned, as they might influence the content.
Make sure to combine CryptoWendyO with other YouTubers known for technical analysis and market insights.
Mahmoud Jawad

Source
Mahmoud Jawad is a prominent crypto influencer who has established himself as an expert in a wide range of areas within the industry. From web3 marketing and decentralized finance (DeFi) to non-fungible tokens (NFTs), signals, community building, and growth hacking..
With over $10 million in earnings and 700+ investments displayed on their signals group, Jawad offers invaluable insights into the strategies they employ to market themselves and their projects effectively.
Jawad’s followers can expect to gain exclusive access to latest developments, including their involvement in building a fast, secure, and cheap layer 2 blockchain called #Bonerium. Additionally, Jawad provides updates on #Shiba founder #Ryoshi’s vision of creating a pure, decentralized token that belongs to its community.
Why Follow Mahmoud Jawad?
Mahmoud Jawad is a must-follow crypto influencer for several reasons:
Extensive Knowledge: Jawad’s expertise spans a wide range of topics within the crypto industry.Proven Track Record: With over $10 million in earnings and a vast portfolio of investments, Jawad has demonstrated their ability to navigate the crypto markets successfully.Insider Insights: Jawad provides their followers with exclusive access to the latest developments in cutting-edge projects.Community Engagement: Jawad’s engagement with their growing community, such as the £10,000 cash giveaways.
Conclusion
Crypto influencers can be a valuable resource for staying informed about the latest trends, projects, and news within the cryptocurrency space. They can provide educational content, analysis, and insights that can help you form your own investment strategies.
However, it’s important to remember that following influencers should never replace doing your own research (DYOR). Before making any investment decisions, independently evaluate projects, understand the underlying technology, and carefully consider your own risk tolerance.
Bonus Section: What to Watch Out For
When following crypto influencers, be aware of these potential pitfalls:
Bias: Influencers may hold personal investments in certain cryptocurrencies, which could color their analysis.Shilling: Some influencers may promote projects in exchange for compensation, without fully disclosing this conflict of interest.
Take all influencer advice with a grain of salt, and focus on building a well-rounded understanding of the crypto market before making any investments.

Don’t be shy; connect with me on your favorite platforms:
🐦 Twitter 🎥 Youtube 💬Medium
As a special bonus, I’ve partnered with Fat Pig Signals, an excellent resource for crypto trading signals. Use my code “THELUWIZZ” to get a 15% discount. Happy trading!

Are you losing sleep over the latest crypto trends? Better not lose your mind!
I’ve been trading crypto for a few years now, and let me tell you, the thrill of the market can be exhilarating. But it’s also a high-stress environment that can take a toll on your mental and physical health. One growing concern is the link between cryptocurrency trading and substance abuse.
It’s a wild world out there, and while we’re all chasing profits, we might not always recognize the toll it can take on our mental health.
Balancing Success and Stress

I’ve come across insights from experts like Abdullah Boulad, who runs a rehab center. He’s noticed a rise in substance abuse specifically among crypto traders.
It makes sense, right? The non-stop, high-pressure environment can push some of us to seek out substances just to keep up.
We might turn to stimulants like caffeine or even stronger stuff to stay alert and in the game.
Famous names in the industry, like Caroline Ellison, have even talked about this openly. She highlighted how the intensity of trading can distort our perception of reality, making it all too easy to lean on substances for a boost.
The Double-Edged Sword of Trading
Trading can be an exhilarating experience, filled with adrenaline-pumping highs and heart-stopping lows. Every successful trade is a dopamine rush, a sweet reward that keeps us coming back for more. But the flip side of this thrill is the potential for anxiety, insomnia, and even addiction.
The emotional rollercoaster of trading can take a toll on our mental health. Some traders turn to substances like benzodiazepines or alcohol to cope with the stress, creating a dangerous cycle of addiction.
As addiction expert Dr. Lawrence Weinstein points out, behavioral addictions like trading often go hand in hand with substance use
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I’ve seen friends turn to substances to cope with the stress. Benzodiazepines, alcohol — it’s a dangerous path. I know firsthand how hard it can be to break free from the cycle of trading addiction. The thrill of the chase can be as powerful as any substance.
What’s our Brain Chemistry when Trading?

What’s happening in our brains is pretty fascinating — and a bit alarming. Repeated trading can alter our brain’s wiring, especially in areas that control impulses and emotions. This can make it hard to step back and think clearly, leading us to make decisions we wouldn’t normally consider.
We all like to think we’re disciplined traders, but addiction can cloud that judgment. It’s a sobering reality that for some of us, the excitement of trading can end up being just as powerful as any substance we might be using.
Here’s the kicker: while some traders face devastating losses, others hit it big. That thrill of making a hefty profit in a flash can be addictive in its own right. But as Boulad points out, having money can actually worsen substance abuse. When cash is readily available, it’s tempting to use it as a way to escape stress instead of dealing with it.
How to Find Your Way Back?
If any of this resonates with you, know that you’re not alone. There are paths to recovery, and they often involve a mix of detox, therapy, and holistic approaches. Boulad tailors treatment to individual needs, incorporating mindfulness and financial counseling to help develop healthier trading habits.
Cognitive Behavioral Therapy (CBT) is another great tool that helps identify triggers and build coping strategies. It’s essential to tackle not just the addiction itself, but any underlying mental health issues that might be in play.
Build a Supportive Community
While it’s possible to kick an addiction on your own, having professional support significantly boosts your chances of long-term success. Stressful moments can lead to cravings, making it tough to go it alone.
It’s time to break the stigma surrounding mental health in the crypto world. If you or someone you know is struggling, know that you’re not alone.
Let’s come together to build a community that values both financial success and mental well-being.
Disclaimer: This article is intended to provide information and awareness about substance abuse within the cryptocurrency trading community. It does not offer professional medical or legal advice. If you or someone you know is struggling with substance abuse, please seek help from qualified professionals.
Don’t be shy; connect with me on your favorite platforms:
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As a special bonus, I’ve partnered with Fat Pig Signals, an excellent resource for crypto trading signals. Use my code “THELUWIZZ” to get a 15% discount. Happy trading!

The Billion-Dollar Secret from a Billionaire who Lives Like a Normal Person
Can you believe it? Warren Buffett, the man who’s been the Oracle of Omaha for what feels like forever, just turned 94. It’s crazy to think about. I mean, he’s seen so much in his lifetime — the Great Depression, the dot-com bubble, the financial crisis.
And yet, here he is, still at the helm of Berkshire Hathaway, still investing like a champ. One of the things I admire most about him is his simple lifestyle.
I mean, who else can be a billionaire and still live in the same house he bought decades ago? It’s a great reminder that wealth isn’t just about accumulating money, it’s about knowing how to use it wisely.
Buffett’s Timeless Investment Wisdom
Warren Buffett, the legendary investor, has built an empire on simple yet profound principles. His mantra, “Rule №1: Never lose money. Rule №2: Never forget Rule №1,” has guided him through decades of market volatility. Even after the 2008 financial crisis, which cost Berkshire Hathaway $25 billion, Buffett’s risk-averse approach remained steadfast.
Another key pillar of his strategy is long-term ownership. Buffett often says, “If you aren’t comfortable holding a stock for ten years, you shouldn’t consider owning it for even ten minutes.” This patient approach has yielded remarkable returns over time, as many of Berkshire Hathaway’s holdings have been held for decades.
In today’s uncertain economic climate, these principles are more relevant than ever. Inspired by Buffett’s frugality and investment acumen, here are seven practical saving tips to help you build a stronger financial future in 2024. Or shall we say, his 7 secrets to billion-dollar success!
Before you go on, Master Money Moves with TheLuwizz! Follow my Substack to get insider tips, expert advice, and practical strategies to achieve your financial goals.
7 Financial Lessons to Learn from Buffet

1. Live Below Your Means
One of the biggest lessons I’ve learned from Warren Buffett is the importance of living below your means. I mean, can you believe he still lives in the same house he bought for $31,500 back in 1958?
That’s insane! But it’s a great reminder that you don’t need a fancy lifestyle to build wealth.
To embrace this principle, I suggest evaluating your housing costs. Aim to keep these expenses below 30% of your net income. Whether it’s downsizing your living space or finding a less expensive area, reducing housing costs can free up resources for savings.
2. Avoid Unnecessary Expenses
Buffett’s no-frills lifestyle is evident in his choices, from his home to his hobbies.
As for me, I’ve started to focus on cutting back on unnecessary expenses. I’ve even canceled a few subscriptions I wasn’t really using. It’s amazing how much money you can save just by being a little more mindful of your spending habits.
I’m following the 50/30/20 rule now, and it’s really helping me stay on track with my financial goals.
Allocate 50% of your income to needs, 30% to wants, and 20% to savings. This helps identify areas where you might be overspending and can cut back.
3. Think Long Term
Another thing I’ve learned from Buffett is the importance of thinking long-term. He always says that today’s decisions can have a big impact on your future. That’s why I’m trying to be more patient with my investments.
I’ve started investing in low-cost index funds and contributing regularly to my retirement accounts. The earlier I start, the more I can benefit from compounding
4. Use Cash Instead of Credit
I’m also trying to avoid using credit cards as much as possible. Buffett’s a big advocate for using cash, and I’ve found that it really helps me stay within my budget. In my experience, using cash can make spending more tangible and manageable.
I set a weekly cash allowance for discretionary spending, and it’s been a game-changer. It’s a small change, but it’s made a big difference in my financial habits. Another game-changer thing that has made all the difference in saving is using RedotPay!
I can now pay my bills, buy stuff online, and even trade cryptocurrencies with no fees. It’s like having a personal finance assistant in my pocket. I’ve saved so much money since I started using it. If you’re looking for a simple and affordable way to manage your money, I highly recommend RedotPay.
Interested? I have a full guide on how you can start with RedotPay, check it out!
5. Drive a Modest Car
Speaking of saving money, I’ve been thinking about my car a lot lately. You know how Warren Buffett drives that same old car for years? I think it’s a brilliant idea. I’m starting to think about keeping mine for a few more years instead of trading it in for a new one.
I mean, cars are such a big expense. There’s the monthly payment, insurance, gas, and maintenance. And then there’s the depreciation — the minute you drive a new car off the lot, it starts losing value.
So, I’m thinking about delaying that new car purchase for a while. I’ll save money on the monthly payment, and I won’t have to worry about depreciation. Plus, I’ll avoid the hassle of car shopping. And who knows, maybe I’ll even be able to save up enough money to pay for the car in cash, which would be even better.”
6. Make Your Meals
Warren Buffett is a big believer in cooking at home. He says it’s one of the best ways to save money, and I couldn’t agree more. Especially now with food prices going through the roof, eating out can really add up.
I used to be a total foodie. I loved trying new restaurants and ordering takeout. But after reading about Buffett’s frugal habits, I decided to give cooking at home a try.
Not only is it cheaper, but it’s also healthier. When you cook your own meals, you know exactly what’s going into them. No more hidden sugars, unhealthy fats, or excessive sodium. Plus, it’s a great way to relax and de-stress. There’s something really satisfying about whipping up a delicious meal from scratch.
I’ve started planning my meals ahead of time and using grocery apps to find the best deals. There are so many great resources out there to help you save money on groceries.
7. Avoid Impulse Purchases
Last lesson I learned from Buffett is the importance of avoiding impulse purchases. You know, those times when you see something you want and just buy it without thinking? That’s a classic mistake.
To combat this, I’ve implemented a 24-hour waiting period. If I see something I want to buy, I’ll wait a day before making the purchase. This gives me time to think about it and see if I really need it. It’s a simple strategy, but it’s been incredibly effective.
I’ve also realized that I don’t need as much stuff as I thought I did. It’s a great feeling to be more intentional with your spending.
Wrapping Up
As we celebrate Warren Buffett’s 94th birthday, I’m filled with gratitude for the timeless wisdom he’s shared with the world. His frugal habits have inspired me to make significant changes in my own life.
By living below my means, avoiding unnecessary expenses, thinking long-term, using cash wisely, cooking at home, driving modestly, and resisting impulse purchases, I’ve been able to make significant strides towards my financial goals.
These habits aren’t about deprivation; they’re about making intentional choices that align with my values. I’m not just following in Buffett’s footsteps; I’m creating my own path to financial freedom.
Why not start today? The sooner you begin, the sooner you’ll reap the rewards.
Don’t be shy; connect with me on your favorite platforms:
🐦 Twitter 🎥@theluwizz on my Youtube 💬Medium
As a special bonus, I’ve partnered with Fat Pig Signals, an excellent resource for crypto trading signals. Use my code “THELUWIZZ” to get a 15% discount. Happy trading!

Make Money While You Sleep with Whale Bots
Copy trading is a popular strategy, especially for beginners, and there’s a reason for that. It allows you to use the knowledge of experienced traders without needing years of analysis yourself.
But hold on, because there’s a smarter way to approach copy trading than just blindly following any random account.
Today, I’m sharing a strategy that focuses on the big fish — the whales — and lets you ride their waves to potentially impressive gains.
Why Whales? Big Money, Big Potential
Whales are those crypto giants holding massive amounts of a particular crypto token. They often have inside information or superior analysis skills, and when they move, the market follows.
Here’s the beauty: with copy trading, you can mimic their trades, potentially replicating their success (with some adjustments, of course).
What’s the advantage? Easy Entry, Passive Approach!
One of the biggest advantages? You can start small. Forget needing a hefty initial investment. Platforms like the one I’ll mention allow you to begin with as little as $10.
Plus, the risk is arguably lower because you’re following someone with a (hopefully) proven track record.
And the best part? It’s passive. Here’s the basic workflow:
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Find the Whales

How to Find the Whales in Birdeye
We’ll use a tool called Birdeye (@birdeye_so). Head over there and navigate to the “Explore” tab.
Here’s the key — set a time filter to identify wallets that bought tokens before a price pump. These are your potential whales!
Analyze with Solana Sniffer

Analyze with Solana Sniffer
Now, let’s verify these whales are worth following. We’ll use Solana Sniffer (@solanasniffer). Check each wallet individually, looking for good win rates and impressive Profit and Loss (PNL).
Essentially, we’re separating the lucky winners from the consistent pros.
Time to Automate: The Copy-Trading Bot
This is where the tinyurl link comes in, but let’s address security first!
Before we jump to setting up a bot, a word of caution. Never click on shortened links. These can be phishing attempts designed to steal your crypto. Instead, research reputable copy-trading platforms and find their official crypto bot setup instructions.
Alright, Back to Automation!
Once you’ve chosen a secure platform, follow their video tutorial on setting up the copy-trading module specifically for whale wallets. This automates the process, so whenever your chosen whales make a trade, your account will mirror it.
Now, Sit Back and Relax ( (almost))
With your system running, you can (almost) kick back and enjoy the (potential) profits. Remember, even whales can make mistakes. Keep an eye on your trades, and don’t be afraid to adjust or pause if the market conditions change drastically.
Bonus Tip: Diversify
Don’t put all your eggs in one whale’s basket. Spread your investments across several wallets with good track records to minimize risk and maximize potential gains.
Wrapping Up
By combining Birdeye, Solana Sniffer, and a secure copy-trading platform, you can take a strategic approach to copy trading. This method leverages the power of whales while maintaining a degree of control over your portfolio.
Now, remember, the crypto market is volatile. This strategy isn’t a guaranteed path to riches. It’s a calculated risk, sure, because the crypto market is a rollercoaster. But by using these tools and doing your homework, we can position ourselves to profit from the waves created by the market’s biggest players.
Happy trading!
Don’t be shy; connect with me on your favorite platforms:
🐦 Twitter 🎥@theluwizz on my Youtube 💬Medium
As a special bonus, I’ve partnered with Fat Pig Signals, an excellent resource for crypto trading signals. Use my code “THELUWIZZ” to get a 15% discount. Happy trading!

Hold on to your hats, young go-getters! This blog post is for the ambitious millennials and Gen Zers out there who dream of hitting millionaire status before they hit 30!
Becoming a financial titan through trading might seem glamorous, but it takes more than just clicking “buy” and hoping for the best. We’ll crack open the vault of expert knowledge to give you the top trading tips you need to trade and potentially secure your future.
So buckle up, and let’s get you on the path to early millionaire dom (but remember, responsible and realistic expectations are key!).
Top Trading Tips for Aspiring Young Investors
Let’s face it, building real wealth takes knowledge and strategy. While the dream of becoming a millionaire before 30 is exciting, trading is more than just hoping for a lucky break.
Here are the essential trading tips you need to hit that jackpot.
Education is Key
Before you jump into the market, knowledge is your best weapon.
Developing a deep understanding of financial markets and trading strategies is crucial for long-term success. Think of it like building a house — you wouldn’t start construction without a blueprint, right? The same goes for trading.
Fortunately, there’s a treasure trove of educational resources at your fingertips. Hit the library and read books on technical analysis, fundamental analysis, and different investment philosophies. Numerous websites and online courses, offered by reputable institutions, can also provide valuable insights.
Remember, do your research and choose credible sources — avoid getting caught up in hype or unrealistic promises.
Build a Trading Plan
Based on a November 2022 survey conducted by lendingtree.com, it was found that a larger proportion, specifically 38%, of cryptocurrency investors experienced losses rather than profits. On the other hand, 28% of investors reported making a profit, while only 13% managed to break even.
Do you know what made the difference between the two? A good trading plan.
A well-defined plan should clearly outline your goals — are you aiming for short-term gains or building long-term wealth?
It should also factor in your risk tolerance — how much are you comfortable potentially losing on a trade?
Here’s where things get interesting. There are various trading styles, each with its own approach.
Day trading involves frequent buying and selling within a single day.Swing trading focuses on capturing profits over a few days to weeks.Long-term investing, on the other hand, takes a more patient approach, aiming to hold assets for years or even decades.
Your trading plan should define the style that best suits your goals and personality.
Take Disciplined and Measured Moves
The thrill of the trade can be intoxicating, but remember, successful traders are masters of their emotions. Discipline is key to avoiding impulsive decisions fueled by fear or greed. Stick to your trading plan, even when the markets get volatile. Don’t chase losses or let a winning streak cloud your judgment.
Risk Management
Here’s where risk management comes in — it’s your shield against potential losses. One crucial technique is using stop-loss orders. These automatically sell your asset if the price reaches a predetermined level, limiting your downside.
Position Sizing
Another key concept is position sizing. This refers to the amount of capital you allocate to each trade. A common beginner’s mistake is risking too much on a single trade. Instead, adopt a conservative approach.
A good rule of thumb is to only risk a small percentage (like 1–2%) of your total capital per trade. This way, even if a trade goes south, it won’t cripple your entire portfolio.
Start Trading Small
Remember, Rome wasn’t built in a day, and neither will your trading empire. It’s tempting to jump in headfirst with a large sum, but avoid the urge to go all-in. The markets can be unpredictable, and even experienced traders face losses.
Start small — invest a manageable amount that you can afford to lose. This allows you to gain experience, test your strategies, and build confidence without risking your financial security. As you develop your skills and demonstrate consistent profitability, you can gradually scale up your investments.
Don’t Put All Your Eggs in One Basket, Diversify!
While it’s tempting to pour all your resources into this one opportunity, remember the age-old adage — diversification is key. Just like you wouldn’t build your wardrobe with only one type of shirt, a diversified portfolio protects you from unexpected downturns in specific sectors or assets.
Here’s how diversification works in trading: by spreading your investments across different asset classes, you minimize the impact of losses in any single area. If one investment takes a hit, the others can help absorb the blow and potentially even keep your portfolio afloat.
So, how do you diversify your trading portfolio? Here are a few basic strategies:
Asset Class Diversification: This involves investing in a variety of asset classes like stocks, bonds, commodities, and real estate (through instruments like REITs). Each asset class has its own risk-return profile, so diversification helps create a more balanced portfolio.Industry Diversification: Don’t get too concentrated in one industry. Spread your stock picks across different sectors like technology, healthcare, consumer staples, and financials. This way, if a particular industry experiences a downturn, it won’t cripple your entire portfolio.Company Diversification: Even within an industry, avoid putting all your eggs in one basket. Invest in companies of different sizes and market capitalizations (large-cap, mid-cap, small-cap).
Long Term Investing: Patience is Power
Building significant wealth through trading takes time and discipline. While headlines might glorify overnight success stories, becoming a millionaire through trading is more likely a marathon, not a sprint.
Manage your expectations — there will be ups and downs along the way.
The long-term investment approach prioritizes steady growth over short-term gains. By focusing on companies with solid fundamentals and strong long-term prospects, you’re positioning yourself to benefit from their potential growth over time. This approach also allows you to weather market fluctuations and ride out temporary downturns.
Consider Seeking Guidance from Crypto Signal Groups
The path of a successful trader is paved with continuous learning and adaptation. This is where seeking mentorship from experienced traders or crypto signal providers can be invaluable.
Crypto signals are essentially trading recommendations provided by individuals with a proven track record. They can offer valuable insights based on their market analysis, potentially helping you identify profitable opportunities you might have missed.
Look for the best crypto signals with a proven track record, a focus on responsible trading practices, and a willingness to share their knowledge. Consider online communities or forums where experienced traders connect and offer guidance.
Wrapping Up
Becoming a millionaire before 30 through trading is a boss move, but remember, it’s a marathon, not a sprint. This guide is your trading toolkit — use it to learn the ropes, craft a plan, and avoid going all-in on that meme coin (you know the one).
But most importantly, trade responsibly and ditch the get-rich-quick schemes. Building serious wealth takes time, patience, and the brainpower of a financial ninja.
So, are you ready to boss up your bank account? Put these tips into action, sharpen your trading skills, and who knows, maybe you’ll be the next crypto king (or queen) chilling on a private island.
Thanks for journeying with me on this article. Let’s keep this journey going, shall we? Don’t be shy; connect with me on your favourite platforms:
🐦 Twitter 🎥 Youtube 🎧 Podcast 🔮 Patreon 🌐 Homepage 🔗 LinkedIn 💬 Telegram
Finally, as a bit of cherry on top, I’ve partnered with Fat Pig Signals, an excellent resource for crypto trading signals. By using my code — ” THELUWIZZ” 15%, you can get a 15% discount. Happy trading!
For verified crypto signals or forex signals check out gosafire.com!

Everyone else is doing it! Get FREE Crypto transfers, split costs fairly or send unforgettable crypto presents with one app — RedotPay!
I’ve been using RedotPay for a while now, and I gotta say, it’s been a game-changer for me. This platform has completely transformed the way I handle my money, both traditional and digital.
With RedotPay, making payments, whether for a new pair of sneakers or your monthly rent, is as easy as a few taps. You can use it at millions of stores worldwide — both online and offline. But that’s just the tip of the iceberg.
Are you interested in exploring the world of cryptocurrency? RedotPay is perfect for you! I have been using it to buy, sell, and send cryptocurrencies with ZERO fees often associated with other platforms.
Plus, transferring money to friends or family is incredibly fast and convenient! Start your application here!
In the upcoming sections, I’ll dive deeper into how RedotPay works so you’ll start experiencing all the amazing features in one platform.
What is RedotPay?

Image Source: RedotPay Official
RedotPay is a digital payment platform headquartered in Hong Kong. It was founded with a vision to create a seamless and inclusive financial ecosystem that bridges the gap between traditional and digital currencies.
The platform is operated by Red F. Technology Limited, a company registered in Hong Kong. RedotPay has quickly gained traction for its user-friendly interface and a wide range of financial services, including:
Global Payments: Users can make payments at millions of merchants worldwide.Cryptocurrency Trading: Buy, sell, and send various cryptocurrencies with zero fees.Fiat Transfers: Easily transfer traditional currencies between accounts.
RedotPay Supported Cryptocurrency
In the RedotPay app, you can make VISA card payments using a variety of cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), USDC, and USDT (available on ERC20, TRC20, BSC, and ARB networks).
You can use these cryptocurrencies directly for payments, eliminating the need for prior exchange and enabling a diverse range of applications.
Top Features of RedotPay
Having RedotPay has made my life easier–imagine having your crypto and your cash, all in one place.
Here some of RedotPay’s top winning features:
Dual Card Options
First off, the flexibility is insane. I’ve got a physical card for those old-school purchases, and a virtual card for all my online shopping.
Cryptocurrency Support & Free Virtual Card Offer
I’m a big crypto fan, and RedotPay is a dream come true. Managing my Bitcoin, Ethereum, Tether, and USD Coin is so easy with their mobile app. Now I feel like I have a personal crypto wallet right in my pocket.
Plus, I got hooked up with a free virtual card when I signed up — talk about a sweet deal! It’s perfect for online shopping.
Global ATM Access
As a crypto nomad, traveling is a big part of my life, and RedotPay has me covered. Being able to withdraw cash from any ATM worldwide is a game-changer. No more worrying about foreign transaction fees or running out of cash.
And yes, I paid for that boat rental with my RedotPay card too. Surprise? Well, that’s the new normal for me!
“Tired of missing out on the latest trends? Join my Substack (@theluwizz) for exclusive, expert-curated content. Make smarter financial decisions with me. Subscribe now!”
Secure System
Security is a big deal for me, and RedotPay doesn’t disappoint. That PIN code adds an extra layer of protection, giving me peace of mind. They have partnered with Cactus Custody, a top-notch security company in Hong Kong. Your money is protected by a $50 million insurance policy, and they store your private keys in super-secure HSMs.
These are like high-tech vaults that meet the highest security standards. So, you can rest assured that your funds are safe.
Where Can You Use your RedotPay Card?
Wondering where you can use your awesome RedotPay card?
Your card is accepted by over 44 million merchants worldwide! So, whether you’re shopping online or at your favorite store, you’re good to go.
I’ve been using mine whenever I want to reward myself with a protein shake every after killer workout. I just whipped out my RedotPay card, tapped it on Apple Pay, and that was it. No messing around with cash or foreign currency. It was so easy, I was out the door in no time.
If staying fit was as simple as paying for gym stuff with crypto, we’d all be rich!
You can also add your card to Apple Pay, Google Pay, or even Paypal and Alipay for super-convenient contactless payments. Use your card with tons of popular apps and services like Uber, Telegram, Facebook, Booking.com, Amazon, and AliExpress.
Basically, if you see a Visa logo, your RedotPay card is probably accepted! It’s a super versatile way to pay for all your stuff.
Step-by-Step Guide to Apply for a RedotPay Account
Ready to get your own RedotPay account? Application is super easy! Here’s how to do it:

RedotPay Step-by-Step Application
Step 1. Download the App
Start your application here! You can also download the RedotPay app from the Apple Store or Google Play. Once the app is installed, open the app until you see the screen similar to the first photo on the left.
Step 2. Verify Your Identity & KYC Authentication
First, they will need to make sure it’s really you. KYC or Know Your Customer authentication is a must. I recommend preparing either your passport or driver’s license before you start.
To complete the application, you’ll need to take a clear photo of your name, date of birth, address, identification document, and your face. Make sure that both your documents and your face photo are sharp and clear; blurry or reflective images can lead to a failed application.
Step 3. Fund Your Account
Deposit some crypto into your RedotPay wallet same as what’s shown in the second photo above. This will be your payment for the physical card.
Step 4. Choose your Card

RedotPay physical card
Head to the card application page and pick the physical card option or the virtual card option if you only want a virtual copy of the card. Then, hit “Order Card.”
Step 5. Fill in the Details
You will be asked to provide your contact information including your billing address. Note that they may also ask for your signature for verification purposes.

RedotPay Virtual Card
Step 6. Pay and Wait
Complete the payment, and they will start making your card. The card issuance fee is (Virtual $10/Debit $100) in BTC. It might take a little while, so be patient. When your Bitcoin payment goes through, you can start the card application process.
For the physical card, simply follow the next instructions to activate it once you receive it. The same goes for the virtual card for it to be successfully activated.
RedotPay Card Fees
Deposits: You can deposit Hong Kong Dollars (HKD) and US Dollars (USD) without any fees. There’s no limit to how much you can deposit.
Card Transactions: There’s a daily limit of HKD 80,000 or USD 10,000 (about JPY 1.5 million) for ATM withdrawals. You can withdraw up to 5 times a day and 30 times a month.
Monthly Limits: Monthly, you can withdraw a maximum of HKD 1,600,000 or USD 200,000 (about JPY 30 million).
Card Fees:
VISA Debit: No fees for transactions in your default currency. For other currencies, there’s a 1.20% fee.ATM Withdrawals: Foreign exchange withdrawals cost a 2% fee.Crypto Exchange: Converting crypto to fiat currency has a 1% fee.
Other Fees:
Annual Maintenance: It’s free to keep your card.Transaction Inquiries: Checking your transaction history within the app is free.ATM Withdrawal Inquiries: Inquiring about your ATM withdrawals is also free.Card Renewal: Renewing your card is free. You can request a reissue 90 days before it expires.Card Reissue Fees:Virtual Card: $10VISA Debit Card: $100Card Cancellation: Canceling your card is free.
How to Link your Apple Pay to your RedotPay Account?

Linking Apple Pay to RedotPay
Want to add your card to Apple Pay? It’s easy! Follow the images above and instructions below.
Step 1. Open Wallet
Find the Wallet app on your iPhone and tap the plus sign (+) in the top right corner.
Step 2. Choose your card
Select the card you want to add.
Step 3. Continue & Enter Details
Tap “Continue and then fill in the card information.
That’s it! Your card should be linked to Apple Pay.
How to Link your Google Pay to your RedotPay Account?

Linking Google Pay to RedotPay
Step 1. Open Wallet
Find the Wallet app on your phone and tap the plus sign (+).
Step 2. Choose a card
Select the card you want to add.
Step 3. Add new
Tap “Add New” and follow the instructions to register your card.
And that’s it! Your card is now linked to Google Pay.
FAQs About RedotPay
Why Your KYC Verification Might Not Be Approved
If you’ve submitted your identity information and it hasn’t been approved yet, please be patient. The KYC review process typically takes between 5 and 10 minutes.
Here are some common reasons why your KYC verification might fail:
Incomplete or Incorrect Information: Make sure that all required fields are filled out accurately and that your documents are clear and legible.Document Issues: Check if your documents are valid, not expired, and meet their requirements (e.g., photo ID, proof of address).Restricted Countries: Unfortunately, they are unable to provide services to residents of certain countries due to regulatory restrictions. The list of restricted countries includes: Afghanistan, Belarus, Burma (Myanmar), Canada, Central African Republic, China, Cuba, Democratic Republic of the Congo, Ethiopia, Haiti, Iran, Iraq, Lebanon, Libya, Mali, North Korea, Nicaragua, Russia, Somalia, South Sudan, Sudan, Syria, Ukraine, United States, Venezuela, Yemen, Zimbabwe, Burkina Faso, Congo, Cameroon, Jamaica, Mozambique, Senegal, Tanzania, Palau, Uganda, Burundi, Guinea-Bissau, Eritrea, Liberia, Rwanda, Sierra Leone, Croatia, Bosnia and Herzegovina, Montenegro, Macedonia, Serbia, Slovenia, Kosovo.
If you’re still facing issues, please contact their customer support team for further assistance. They can help you identify the specific problem and provide guidance on how to resolve it.
What to do if Your Deposit doesn’t Meet the Required Minimum Amount?
I’ve been there before, too. It’s frustrating when you deposit funds and they don’t seem to show up. Remember, each crypto has its own minimum deposit amount.
The deposit process involves a blockchain transaction, which incurs gas fees. These fees vary depending on the network’s congestion but if your deposit is too small, the gas fees might consume the entire amount, leaving you with no funds credited to your account.
So, here’s what I do:
Double-check the minimum: Before I send anything, I always verify the minimum deposit amount for that specific crypto.Leave a little extra: To be safe, I usually deposit a bit more than the minimum. This helps cover any unexpected gas fee increases.Be patient: Sometimes, it can take a few minutes for your deposit to confirm. So, don’t panic if you don’t see it right away.
How Long Until I See the Funds?
Typically, it takes between 1 minute and 1 hour for your deposit to show up in your account. This depends on how busy the blockchain network is.
If your deposit has been pending for a while, don’t worry. Just send their team an email with your registered email address, deposit address, and transaction hash.
Do I need to pay for a card?
Yes, you’ll need to pay a fee to get a card. They offer two types: virtual cards and physical cards. Virtual cards are $10 each, while physical cards are $100 each.
Does the money I paid for the card go into my account?
No, the fee you paid to get the card is a one-time payment. It doesn’t go into your account balance.
I’m 16. Can I use a card here, even though I’m allowed to in my country?
Unfortunately, you need to be at least 18 to use RedotPay.
Can I have more than one card?
Sure, you can have up to five cards.
Is my RedotPay card a credit card or a debit card?
It’s a credit card issued by Visa.
What’s the difference between a USD card and an HKD card?
Hong Kong residents: You’ll usually get an HKD card by default.Non-residents in Hong Kong: If you’re not from Hong Kong, you’ll get a USD card.
What color is the card, and can I choose a different color or customize it?
The physical card is red. Unfortunately, you can’t pick a different color or customize it right now.
I accidentally bought an HKD card instead of a USD card. Can I switch it?
Nope, once you buy a card, you can’t exchange it. If you need a USD card, you can buy another one. Just make sure to enter a different billing address if you’re in Hong Kong.
How long does the card last? Do I have to pay to renew it?
Both physical and virtual cards last for 3 years. If your physical card is about to expire, you can get a new one for free. But you’ll have to pay for shipping.
How can I see my whole card number?
Click the eye icon on the card page. To stay safe, don’t share your card number, expiration date, or CVV with anyone.
I’m trying to buy a card, but it says I don’t have enough money. Why?
Check your balance. The $5 signup bonus can’t be used to buy cards, only to spend.
Does my card need a password?
Your virtual card doesn’t have a password. But your physical card does. You can set it after you activate it. Go to Card Settings > Set Card PIN.
Does my card have a SWIFT code?
No, it doesn’t.
How can I set a limit for each order?
Go to Card > Limit to set your order limit.
I want to delete my card. Will I get my money back?
Once you delete a card, you can’t get it back or the money you paid for it. So, be careful before deleting.
Will I get charged if I don’t use my card for a month?
No, there are no extra charges. But remember, rewards usually expire after 30 days.
I tried to send money from PayPal to my card, but it didn’t work. Why?
The card is a credit card. You can’t deposit or transfer fiat currency to it right now.
What’s the most I can spend each day or month?
There’s no daily limit, but you can spend up to HKD 800,000 or USD 100,000 per transaction.
Why is the total balance on the homepage different from the available balance on the card page?
The homepage shows your total money, while the card page shows how much you can spend. The available balance is usually a bit less because of transaction fees. Also, check the exchange rates.
My total balance is enough, but it says I don’t have enough available. Why?
Check your payment settings. Make sure you haven’t disabled any currencies. Go to Payment Settings > Payment Priority Order.
How can I see my transaction history and change my billing address?
To see your transaction history, go to Card > Bill > Bill Statement List. You can also download it. To change your billing address, go to Card > Apply for Card > Order Card > Billing Address.
What if someone steals my card information?
If you think your card information has been stolen, freeze your card right away. Go to Card > Freeze. Don’t share your card details with anyone, and be careful with your information.
Don’t be shy; connect with me on your favorite platforms:
🐦 Twitter 🎥 Youtube 💬Medium
As a special bonus, I’ve partnered with Fat Pig Signals, an excellent resource for crypto trading signals. Use my code “THELUWIZZ” to get a 15% discount. Happy trading!

If I were looking to add some digital assets to my portfolio right now, I’d be seriously considering this top 5 crypto into my portfolio.
I’ve been actively involved in the crypto community for years, engaging in discussions, following news, and analyzing trends. Through my interactions with fellow investors and experts, I’ve gained valuable insights into the market.
That is why before this month ends, I’ll be sharing my top 5 crypto picks which I believe also have a massive potential in the following month! So, if you’re looking for the best crypto to add in your portfolio at this time, well it’s your lucky day!
Bitcoin (BTC)

Bitcoin has been my go-to cryptocurrency this month, and here’s why. As the OG of crypto, it’s still the undisputed champ in terms of market capitalization and recognition. It’s even legal tender in some countries!
The recent surge in its price, fueled by factors like Bitcoin ETFs and potential interest rate cuts, has only solidified its position.
Why I’m Bullish on Bitcoin:
Strong Performance: Bitcoin has consistently outperformed other cryptos, including Ethereum, over the past year.Institutional Adoption: The accumulation of billions in Bitcoin by major entities, likely including institutions and governments, shows strong long-term confidence in its value.Market Sentiment: With miner capitulation nearing its end and the hashrate stabilizing, the overall sentiment is positive, suggesting continued upward momentum.
Key Highlights:
Current Price: As of August 27, 2024, Bitcoin is trading at $62,899.97.Market Cap: It has a massive market cap of $1.20 trillion.Price Movement: Bitcoin has seen a +3.33% increase in the past week and a +142.61% year-over-year return.
The Pros and Cons:
While Bitcoin offers significant growth potential, liquidity, security, and scarcity, it’s not without its challenges.
Inconsistent regulations across different countries and sometimes slow transaction speeds can be drawbacks.
Ethereum (ETH)

I’ve also been keeping a close eye on Ethereum this month and it’s quickly become my top pick. As the pioneer of smart contracts, Ethereum has established itself as the go-to platform for developers and dApp enthusiasts.
Why I’m Invested in Ethereum:
Technological Advancements: The transition to Proof-of-Stake (PoS) has significantly improved Ethereum’s energy efficiency and scalability.Growing Ecosystem: Ethereum’s thriving ecosystem of dApps, ranging from DeFi protocols to NFTs, continues to attract new users and developers.Institutional Adoption: The recent approval of spot Ethereum ETFs has opened the doors for institutional investors, potentially fueling a significant price surge.
Key Highlights:
Market Cap: Ethereum boasts a substantial market capitalization of $327 billion.Price Performance: While it has experienced some fluctuations, Ethereum’s year-over-year return of +63.14% is impressive.Future Outlook: With the potential for increased demand from ETFs and ongoing technological advancements, Ethereum’s price could reach new heights.
Pros and Cons:
High gas fees during peak times and the risk of vulnerabilities in smart contracts are factors to consider when investing in Ethereum despite its massive potential.
Want to be the first to know about every trend and news on Ethereum? Join my Substack for free, expert-curated insights. Stay ahead of the trends and make informed decisions. Subscribe now at @theluwizz.
Solana (SOL)

While August hasn’t been the best month for SOL, I’d still bet my portfolio by adding it in my top 5. As a high-speed, low-fee blockchain, Solana offers a compelling contender among others.
Why I’m Bullish on Solana:
Impressive Performance: Solana’s ability to process thousands of transactions per second, coupled with its low fees, makes it a highly attractive option for developers and users.Growing Ecosystem: Solana’s ecosystem has been expanding rapidly, with a growing number of dApps, NFTs, and DeFi projects being built on the platform.Institutional Interest: The recent approval of a Solana ETF in Brazil is a significant milestone, indicating growing institutional interest and potential for increased adoption.
Key Highlights:
Market Performance: Solana’s impressive year-over-year return of +672.98% speaks for itself.Scalability: Solana’s design allows it to scale without relying on layer-2 solutions, ensuring a strong demand for SOL tokens.Future Outlook: With its growing ecosystem and potential for increased institutional adoption, Solana has a bright future.
Pros and Cons:
While Solana offers many advantages, it’s important to note that it has experienced some downtime incidents in the past. Additionally, its ecosystem is still relatively new compared to Ethereum’s.
Binance Coin
I’ve also been particularly impressed with Binance Coin (BNB) this month. As the native token of the world’s largest crypto exchange, Binance, BNB offers a unique combination of utility and value.
Why I’m Bullish on BNB:
Ecosystem Integration: BNB is deeply integrated into the Binance ecosystem, providing numerous benefits such as discounted trading fees, early access to new listings, and staking rewards.Utility and Value: Beyond its utility within the Binance ecosystem, BNB has gained wider acceptance as a payment and store of value token.Regulatory Clarity: The recent settlement of the US lawsuit against Binance and its founder has provided much-needed regulatory clarity and boosted investor confidence.Growth Potential: With Binance’s continued expansion and the growing adoption of cryptocurrencies, BNB has significant potential for long-term growth.
Key Highlights:
Market Performance: BNB’s impressive year-over-year return of +156.69% demonstrates its strong performance.Utility and Benefits: The numerous benefits offered by BNB within the Binance ecosystem make it a valuable asset.Regulatory Clarity: The recent settlement of the US lawsuit has removed a significant overhang and boosted investor confidence.
Pros and Cons:
While BNB offers many advantages, it’s important to note that its value is closely tied to the performance of the Binance exchange. Additionally, the concentration of BNB supply controlled by Binance could be a potential concern.
XRP

Last but definitely not least in my top 5 is XRP. As the native token of the Ripple payment network, XRP offers a unique combination of speed, efficiency, and cross-border capabilities.
Why I’m Bullish on XRP:
Regulatory Clarity: The recent court victory over the SEC has removed a significant overhang, providing much-needed clarity and boosting investor confidence.Institutional Adoption: Major banks and financial institutions are increasingly exploring XRP for cross-border payments, indicating a growing level of acceptance.Speed and Efficiency: XRP’s ability to settle transactions in seconds and at minimal cost makes it a compelling alternative to traditional payment methods.Growth Potential: With the increasing demand for efficient cross-border payments, XRP’s potential for growth is significant.
Key Highlights:
Market Performance: XRP’s year-over-year return of +13.97% demonstrates its resilience and growth potential.Regulatory Clarity: The recent court victory has removed a significant hurdle for XRP’s adoption.Institutional Adoption: Major financial institutions are exploring XRP for cross-border payments, indicating a growing level of acceptance.
Pros and Cons:
While XRP offers many advantages, it’s important to note that a significant portion of XRP is held by Ripple Labs. Additionally, its success is dependent on continued adoption by traditional financial institutions.
In Summary
As the crypto market continues to evolve, it’s essential to stay informed and make informed investment decisions.
My top 5 crypto picks for August reflect my belief in their potential for growth and innovation.
Bitcoin: The OG of cryptocurrencies, Bitcoin’s dominance and institutional adoption make it a solid foundation for any portfolio.Ethereum: As the leading platform for smart contracts and dApps, Ethereum’s continued development and growing ecosystem make it a promising investment.Solana: With its impressive speed and low fees, Solana offers a compelling alternative to Ethereum and has significant growth potential.XRP: The recent regulatory clarity and growing institutional interest in XRP could lead to a resurgence in its value.Binance Coin (BNB): As the native token of the world’s largest crypto exchange, BNB offers a combination of utility and value.
Remember, investing in crypto is risky. Do your own research and don’t invest more than you can afford to lose.
Disclaimer: This blog post is for informational purposes only and does not constitute financial advice. Cryptocurrencies are highly volatile and speculative investments. Please consult with a financial advisor before making any investment decisions.
Don’t be shy; connect with me on your favorite platforms:
🐦 Twitter 🎥 Youtube 💬Medium
As a special bonus, I’ve partnered with Fat Pig Signals, an excellent resource for crypto trading signals. Use my code “THELUWIZZ” to get a 15% discount. Happy trading!

As you all know, the crypto world is on the edge of its seat waiting for Pavel Durov’s release.

This isn’t just any release; it’s the potential return of a visionary who’s shaped the blockchain landscape.
Given his influence and the projects he’s been associated with, many experts including me have been analyzing the market to pinpoint the tokens that could see a significant surge once he’s back in the game.
Let’s dive into my top 5 picks that, mind you, aren’t just random guesses; they’re based on solid market analysis, project potential, and the potential impact of Durov’s return.
But first…
Who is Pavel Durov?

Pavel Durov is a Russian entrepreneur and investor, best known as the founder of the messaging app Telegram and the social network VKontakte (VK). Often referred to as the “Russian Mark Zuckerberg,” Durov has been a prominent figure in the tech industry.
Durov is not only known for his work on Telegram but also for his involvement in the cryptocurrency world. One of his most significant ventures was the Telegram Open Network (TON).
TON was a decentralized blockchain platform that aimed to improve the way transactions and payments were conducted. It was designed to be scalable, fast, and secure, making it a potential competitor to established blockchains like Bitcoin and Ethereum.
The TON project was highly anticipated, and its initial coin offering (ICO) in 2018 raised a significant amount of funds. However, the project faced challenges and regulatory scrutiny. The U.S. Securities and Exchange Commission (SEC) filed a lawsuit against Telegram, alleging that the TON ICO was an unregistered securities offering.
Due to the legal proceedings, the TON project was ultimately abandoned.
However, there might be a big glimmer of hope and a massive income waiting in the horizon.
Can Durov’s Release Trigger Tokens to the MOON?
But can you believe it? Durov will be released from police custody in France on Wednesday! According to a statement from the Paris prosecutor’s office, Durov has been placed under judicial supervision with strict conditions.
What will happen to tokens after his release? Well, my guess? It’s a prime time to invest in these tokens!
Here’s why:
Telegram’s Potential for Expansion
As the founder of Telegram, Durov’s return could signal a renewed focus on the platform’s growth leading to increased user adoption and engagement.
TON Revival Speculation
While the original TON project faced challenges, Durov’s release might reignite speculation about . This could drive interest in tokens related to TON or the broader blockchain space. Could we see a revival or maybe a whole new blockchain project?
Market Sentiment and FOMO
The return of a high-profile figure like Durov can significantly impact market sentiment. Investors are seeing Durov’s return as a bullish sign, and that could drive up demand for cryptocurrencies, especially the ones connected to his projects.

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Investor Confidence and Risk Appetite
And let’s not forget, Durov’s back could give investors a confidence boost. They might be more willing to take risks and invest more in crypto. This could be good news for a lot of tokens, even the ones that haven’t been doing so well lately.

Top 5 Tokens To Explode After Pavel’s Prison Release
While many investors may be caught off guard, expert traders like you and me should be gearing up for a significant price surge in popular blockchain tokens. This is a golden opportunity to capitalize on the market’s reaction to Durov’s return.
Here’s my top 5 picks!
@GoMining_token | $Gomining
Market CAP: $154.9M
Check out the live price here.
The Gomining token is a versatile utility token that serves multiple functions within the Gomining ecosystem. It functions as a discount token for electricity payments, offering NFT hashrate owners a 10% discount on power and maintenance costs.
Additionally, Gomining token holders can participate in protocol governance, voting on proposals and influencing the distribution of Gomining rewards. By locking Gomining tokens in a vote-escrow (ve) contract, users earn votes and stake rewards, with longer lock durations leading to greater voting power and reward shares.
@TonUP_io | $UP
Market CAP: $19.8M
Check out the live price here.
TonUP is a launchpad built on The Open Network (TON), a high-performance Proof-of-Stake public chain known for its scalability and efficiency. By providing a supportive environment, TonUP empowers emerging projects to thrive within TON’s ecosystem.
TonUP’s choice to build on TON is based on TON’s advanced technical architecture, which includes the FunC programming language and progressive sharding technology.
With over 3 million active wallet addresses, TON’s thriving community and growing adoption marks its potential for leading the ecentralized applications.
@GAMEEToken | $GMEE
Market CAP: $18.5M
Check out the live price here.
GAMEE is a leading mobile gaming platform that combines gameplay with ownership. With a massive user base of over 75 million and billions of gameplays, GAMEE is the largest game publisher on Telegram.
Arc8 represents a new era of casual mobile gaming within the metaverse. This innovative platform connects players, brands, and Web3 communities in an immersive gaming environment. As an ERC-20 utility token, GMEE also serves as the currency for accessing games, participating in activities, and influencing governance decisions.
@thenotcoin | $NOT
Market CAP: $929.0M
Check out the live price here.
Notcoin began as a popular Telegram game that introduced numerous users to the worldof Web3 through its innovative tap-to-earn mining mechanic.
The $NOT token is a community-driven asset designed to incentivize participation and contribution within the Notcoin ecosystem. Users can earn $NOT by discovering and interacting with Web3 products, participating in new games, and adding value to the ecosystem through various activities
Web3 builders can also promote their products to the Notcoin community through targeted campaigns.
@redotoken | $REDO
Market CAP: $64.0M
Check out the live price here.
I’ve always seen REDO as more than just an illustration. It’s a symbol, a testament to the unwavering spirit of digital freedom. Created by Pavel Durov, the mastermind behind Telegram, REDO embodies the defiance against oppressive censorship regimes.
That hooded dog, sketched with such raw emotion, is a direct middle finger to those who seek to control the online world. It’s a reminder of why Telegram exists, why people like Durov fight for the right to express themselves without fear.
Given Durov’s personal connection to REDO and his relentless pursuit of digital freedom, I believe the token associated with it has immense potential for growth.
Now, what do you think?
Durov’s potential influence on these five crypto tokens is pretty intriguing, isn’t it? But let’s be real. The idea of striking it rich overnight is as tempting as it is risky. The crypto market is a rollercoaster.
What’s hot today could be cold tomorrow.
My advice? Do your homework. Don’t put all your eggs in one basket. And only invest what you can afford to lose. If you play it smart, you might just hit the jackpot. But remember, patience and strategy are key
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Is Your iPhone About to Become a Crypto Wallet?
Apple’s recent announcement of opening its iPhone’s payment chip to third-party developers has sent ripples through the tech and crypto industries. This groundbreaking move could potentially pave the way for broader crypto adoption and revolutionize mobile payments.
Until now, Apple’s NFC chip has been exclusively accessible to Apple Pay, limiting competition in the mobile payment space. However, with the new policy, developers, including those in the crypto industry, can now access the NFC chip for in-store payments, transit fares, and other crypto uses.

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What’s the Implication for Crypto?
I see this shift as having far-reaching implications for the crypto sector. Crypto wallets can now integrate seamlessly with iPhones, allowing me and other users to conduct crypto transactions as easily as we do with traditional fiat payments.
This increased accessibility could drive greater adoption, making cryptocurrency more user-friendly for everyday consumers like us.
Apple’s decision comes in response to regulatory pressure, particularly from the European Union’s antitrust investigation. By opening up its NFC technology, Apple has avoided hefty fines and demonstrated a commitment to fostering competition in the mobile payment market.
What is its Potential Impact on Blockchains?
I think blockchain platforms like Solana and Ethereum’s Layer 2 solutions could benefit significantly from this development. These blockchains offer low-cost, high-speed transactions, making them attractive options for mobile payments.
What this means is that the increased accessibility of Apple’s payment chip could accelerate the adoption of these blockchains for everyday transactions.
While this development is undoubtedly positive, there are still challenges to overcome. Apple will continue to charge “associated fees” and require commercial agreements, meaning that only developers who meet stringent security and regulatory standards will gain access.
Additionally, the specific terms and conditions of these fees may impact the overall cost and usability of crypto transactions on iPhones.
Conclusion
Overall, I believe Apple’s decision to open its iPhone payment chip to third-party developers is a big step forward for both the tech and crypto industries. It has the potential to make cryptocurrencies more accessible and easier to use for everyday payments.
That said, the success of this move will depend on several factors, including Apple’s terms, how developers respond, and the overall market landscape.
Don’t be shy; connect with me on your favorite platforms:
🐦 Twitter 🎥 Youtube 💬Medium
As a special bonus, I’ve partnered with Fat Pig Signals, an excellent resource for crypto trading signals. Use my code “THELUWIZZ” to get a 15% discount. Happy trading!