How I bought my first flat (almost)

For the past 1,5 years, I wanted to diversify from my investments and buy something from the real world. As I’ve been employed for ~5 years, getting a mortgage should not be that hard and I was actually really keen to start getting some debt. I really think a lot differently of dept what I used to a few years ago. So this is a story of how I wanted to buy a flat, and if I was eventually successful.

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How I exploited existing youtube videos with a fake Patreon profile

I am watching a lot of investing videos on youtube recently. I like to watch them while I eat, or they play in the background while I do something else. I assume that even though I don’t pay enough attention, interesting info catches my attention. I noticed there are a lot of great videos, and I thought of a way how I could exploit that. In this short text, I’ll try to explain my black hat idea and if it worked.

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Mintos – loan repurchase ratio

For the past few years, I had mintos work on autopilot. I had sent there money and let it compound by autoinvest feature. Recently I checked some metrics and found out I have 93% of my p2p portfolio in a single lending company. That shocked me, as I don’t want to keep my eggs in one basket, but diversify. So I adjusted that just a few weeks ago, to diversify my investments among more lending companies. This got me thinking, and I thought seeing how % of defaulted loans could be a good indicator, whether the p2p lending market is surviving corona times just fine or struggles.

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Why I am opening an account with a third stock broker?

Today I opened an account in etoro, which is the third brokerage I use. I started investing on DEGIRO platform, later got annoyed by the 30% tax on dividends, and created an account on trading212, which I am very happy with! But today I created and funded an account with etoro, in this article I will explain why I want to have 3 brokers, maybe even more in the future and why I don’t think that is a bad idea.

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I am selling after owning it for 12 years

It’s time I just don’t put money into domains and websites I no longer have a plan to build and work on. I am starting with an auction on, domain I’ve had for 12 years. A decade ago, I spent a lot of time with pageranks and I was earning a good amount of money on my 100+ website portfolio with high page ranks – good income for a student. I no longer have passion in this area, no plan for that domain, so I am putting it on sale ­čÖé Join auction on if you are interested.

Deprecating suggestions on Digrin

I decided I want to deprecate suggestions feature on I looked into data and it was rarely used. Digrin was sending emails to users (I even forgot about that part). I don’t use the feature myself, and I think it can be even dangerous, to have a feature that sounds like “suggestion for stock buys”, which you often need financial licence to do. And this was automated feature. I am removing it now, but wanted to write down for myself how it worked, because I will definitely forget and one day I might find it interesting.

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