博文

Bitcoin & MicroStrategy

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 #NFA #DYOR 5 reasons why a spot Bitcoin ETF approval could send BTC price above $100K The price of Bitcoin is determined by the balance between immediate demand and the supply of coins at a specific price level. By offering products where the asset manager retains the management fee, the incentives for providing the product increase significantly. * This means that sales teams at BlackRock, Fidelity, Ark Invest, Bitwise, VanEck, and other issuers will be fully engaged in attracting both internal and external clients. Other funds managed by these multi-trillion-dollar asset managers may also be encouraged to invest in Bitcoin's newly launched ETF. Historically, the ETF industry has witnessed a concentration of assets among the top two issuers.  For example, SPDR Gold Trust (GLD) and iShares Gold Trust (IAU) represent over 85% of the industry's assets under management .  Additionally, the market leader State Street's GLD has an expense ratio of 0.4%, which is considerably ...

LinkedIn Contribution

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  Got this message when logging in to Linkedin to post some thoughts related to Digital Asset. Tried two below: All / Business Administration / Business Development How can you use social media to identify new markets? https://www.linkedin.com/advice/0/how-can-you-use-social-media-identify-new-tucqf   All / Soft Skills / Strategy How can team members better understand a company's strategy? https://www.linkedin.com/advice/0/how-can-team-members-better-understand-companys-strategy-u4zjf Seems interesting. Imagine only answering one question every day; one year down the road, we could have built a contribution of 365 quality thoughts to the community. It is the consistency and discipline that separates professionals from amateurs. How can you use social media to identify new markets? Define your goals and criteria You are going nowhere if you don't know where you want to go. What do you want to achieve through social media? Merely awareness, branding, or conversion into dollars a...

AI 时代做自媒体是机会

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  AI 时代做自媒体是机会 可是知道的人有多少人去做? 做的人有多少人持续去做呢? 持续去做的人有多少人方法做对? 方法对的人有多少人愿意 ALL IN 投入更多的时间资源去做呢? 所以你不用去思考别人做不做 这样筛选下来 其实已经没有多少对手了 就像这部影片 已经保姆级实操了 都喂到嘴边了 但是 99.9%的人 看完这部影片还是不做的 所以不用担心知道的人很多 因为做到的人很少 持续做到的人非常少 成为那个勇敢尝试的人 你是不是就比绝大部分的人 多了一个赚钱的出路呢? 【保姆級實操】用免費AI工具做不露臉的獵奇知識頻道,日賺1k美金|世界之最TOP頻道拆解

AI 有多可怕

 AI Can Track you through your WIFI https://fb.watch/oEurmAYLDi/?mibextid=GpiG5r 【#32科技】打败ChatGPT 首款Ai人形智能体!“莓用机器人”Useless Man正式发布!更多黑科技,良心售价9999元! https://fb.watch/oEvhgHatC2/?mibextid=GpiG5r 以上两个视频, 一个正经八百,值得深思; 一个无厘头但耐人寻味。 它们都带出同样的讯息:AI 可以有多厉害,也可以有多可怕。 英语视频简单解说了电影 Eagle Eye AI 布局杀人背后的操作逻辑, 中文视频以趣味的方式带出了在未超越 Point of No Return 之前,我们是否该谨慎、认真的对发展人工智能这一块有更多更深入更全面的思量(甚至借助AI的自我反馈)? 两个视频也同时展现了成功的解说/发布会是可以怎么设计的。 注:以上两个视频皆是社媒AI通过算法推给我滑到的。这个讯息算是“回敬”它的一个小测试。“大家”相互学习。 Seek and you shall find.

Revamping HowTze.com

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I decided to revamp my site howtze.com in November 2023, to focus only on travel-related content - bucket lists and footprints . While it started with a strike of " Enough watering other's garden. It is time to water your own garden. ", the process reminds me of pruning bonsai . There are 2 important points to keep in mind: Clarity leads to power Knowledge is power.  Applied knowledge is real power Clarity leads to power. Quantifiable, measurable, graphical elements bring more clarity. How did it start? This has to be traced back to early 2023. I made a New Year resolution to travel overseas, as 2022 was mostly traveling to Sarawak, Borneo for business purposes (Miss Tourism International 2022). Personal resolution 2023: 1) Stay lowkey 2) Make money  3) Travel monthly  Then, the resolution (rather than simply calling it a wish) evolves: Go overseas. ✅ Go overseas every month. Go overseas every month, at least one week per trip. Go overseas every month, at least one we...

BTC Super Cycle

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Bitcoin Super Cycle Adoption, supply, institutional demand. increased value of the network as adoption grows (Metcalfe’s law),  increased scarcity due to the halving and  increased institutional adoption. This supercycle will, theoretically, see Bitcoin run up to new all-time highs, from which there will be no further downside, as there will be enough adoption and institutional support to continue to prop up the price. institutions are only one factor here. the market value of a commodity is not derived from centralized entities but rather from decentralized independent actors perceiving value in the commodity...investing in Bitcoin and other cryptocurrencies is akin to emerging markets investing at this stage in the adoption cycle. Bitcoin itself needs to have perceived value from market participants, or it will not have the staying power.  The Minsky Moment In economics, the very height of the boom cycle, where overvaluation is at its apex just before the bust , is cal...

要搞懂「收益率」的概念

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 家里至少一定要有一个人 #深懂并执行财务运作 理财篇  拿EPF还房贷  值得吗? ▋ 很多长辈常犯的错 今年55岁的他,正感慨着人生好短啊... 没想到那么快就到了退休年龄。 陈先生是个厂工。 打拼了半辈子, 省吃俭用才存到了一点积蓄和退休金。 积蓄放在定期存款, 有大约 RM200k, 每年大概有3%的利息。 EPF户口则有大约RM500k, 每年也能有5%到6%的股息收入。  陈先生有一间小房子。 每个月辛辛苦苦供, 到现在算下来, 也供了差不多25年了。 没想到 RM300k 的房贷, 供了那么久, 竟然还欠着银行 RM130k... 到了这个年纪,谁也不想再负债供房子... 他有点茫然。 听了一些朋友意见, 于是他就把从 EPF里提出了一些退休金, 直接把欠银行的 RM130k 清掉了~ 虽然退休金只剩 RM370k,但是无债一身轻~ 陈先生顿时觉得好轻松! 正在读者文章的你, 身边是不是也有一些长辈们都喜欢这样做? 事实上, 这样做会白白让你损失掉 #几万块, 甚至更多! ▋ 别花10块来省下8块 很多人因为缺乏基本的理财知识, 常常会做出不太正确的财务决定。 就拿陈先生的例子, 首先, 他想还清掉房贷, 想无债一身轻, 这没问题。 问题是, 他用能够获得更高收益的退休金, 去还掉房贷,来省下较低的利息... 这就好像, 你家里有一只每天能生「金蛋」的母鸡, 而外面有债主每天要和你讨「普通鸡蛋」, 你因为不想每天有人和你讨「普通鸡蛋」, 于是你把那只能生「金蛋」的金母鸡给了债主... 变相就是用10块来省8块,还倒亏2块... ▋ 为什么不用6块来省下8块? 不用退休金还的话,要怎么办? 陈先生手上不是还有 RM200k 的定期存款吗? 用它来换掉房贷不就行了? 很多人都没有意识到。 把钱放定期,相等于把钱借给银行。 更没意识到, 你借给银行100块, 银行付你3块的利息。 而你因为要买房跑去跟银行借100块, 然后银行却收你4块的利息... 你白白给银行赚了1块。 这时候你会发现, 放大量现钱在定期, 同时又借房贷的人, 好像有点傻。 这种不合理的分配, 有部分原因是传统思想告诉我们 人一定要有房 有存款! 而存款放在定期是最安全的! ▋ 有现金就不应该借房贷? 那又不一定哦! 这要看你 有没有办法利用现金获得比...