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If the first decade of the crypto industry’s life were to be documented, it surely would have been one of the most binge-worthy series ever. Over the past few years, we saw everything — from multi-billion dollar scams and projects promised to be the next big thing that burned down spectacularly to projects creating value within and beyond the niche. In the meantime, the price of one bitcoin has gone all the way from being enough for a pizza to being enough to buy you a brand-new car.

But, at the start of the new decade, we should be looking at more than just numbers. If the industry continues its remarkable progress, it has to start solving real problems and build…


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OneCoin is probably the poster image of a cryptocurrency scam. Its magnitude even attracted Hollywood’s interest, which, as we know, makes financial-themed productions only if they relate to notable events.

Although the investors on the top of the OneCoin pyramid made money indeed, over €5b went into the founders’ pockets, which, according to the recent FinCen leaks, instructed their team to “take the money and run,” should the project goes south.

Yet, even today, hardcore OneCoin-ers refuse to face reality and continuously echo the idea they were sold by the “Missing Cryptoqueen,” as BBC named the founder — “the price and the value of the cryptocurrency depend on its usability.”


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Photo by Element5 Digital from Pexels

In a few weeks, the world will witness one of the most awaited presidential elections in U.S. history. On November 3rd, Americans will vote to elect the leader of the world’s biggest economy and one of the largest military structures. Understandably, the elections’ outcome will significantly impact reforms, policies, and international relations.

According to a survey from the asset manager Hartford Funds, 93% of investors believe the presidential race will affect the stock market, while 84% admit they expect to change their investing habits as a result.

But should they? …


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Photo by Thibault Penin on Unsplash

Netflix (NFLX) was added to the S&P 500 in 2010, replacing the New York Times. Since then, the index has returned 157%. Netflix — 1533%.

During the last decade, the company was close to bankruptcy several times but managed to overcome the bumps and today has a market cap of over $217b.

What Netflix is also known for is being the epitome of subscription services. It is no coincidence that the company’s success is in line with the growth in its subscribers.

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Companies like Apple, Adobe, Spotify, Microsoft, and more, followed the example and adopted the subscription-based model.

It isn’t popular only among digital service providers, however. In recent years, the subscription business model has managed to penetrate a variety of industries, including health care, transportation, cosmetics, fashion, and more. …


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Photo by Steve Harvey on Unsplash

While drinking my morning coffee and browsing the news feed, I noticed 70 or so percent of the suggested articles were about Robinhood and its record earnings. I decided to go through some of them. The more I read, the more baffled I became by pieces coming from Forbes and other supposedly top-tier publications.

“Robinhood is selling its users’ orders to market makers…”

“Robinhood isn’t democratizing finance at all…”

“Robinhood is an oxymoron and not a charity…”

“They are sleeping with the enemy in some respects…”

“Robinhood has sold the world a story of helping the little guy that is the opposite of its actual business…


I know you are busy with your day or have better things to do than reading this article, so here is a tl;dr:

  • Jack-of-all-trades content creation agencies produce crappy content;
  • They are a pointless stumbling block that stands between you and the one who makes things work, while also charge you for this;
  • The days of the agencies with the one-size-fits-all approach are numbered;
  • Don’t let agencies shoehorn your brand in a framework that isn’t specifically designed for your business;
  • As a client, you should outsource your content writing needs exclusively to niche specialists;

And you can stay for some real-life examples about the way these agencies have failed some of my clients. …


This year marks the 60th anniversary of Africa’s independence. There is the feeling, however, that the continent still remains in the shadows of the Berlin Conference. Although 60 years may seem like a long enough period for countries to find their way and emerge as regional leaders, today, Africa remains the poorest and least-developed continent in the world.

Hunger, poverty, lack of clean water and electricity, terrorism, local ethnic and religious conflicts, corruption, disease outbreaks — this was Africa’s story till the early 2000s. During the last two decades, however, the continent has made remarkable progress and embarked on a road to a brighter future. …


In his book “Extraordinary Popular Delusions and the Madness of Crowds”, Charles Mackay says that men think in herds and go mad in herds, while they only recover their senses slowly, and one by one. That was written in 1841. Today, it is even more relevant.

The most illustrious collective obsession in the past decade is cryptocurrencies. For the last couple of years, we witnessed industry-specific shocks with varying implications, be it exchange hacks, scam schemes, or else. …


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Photo by Kevin Grieve on Unsplash

The University of Zurich, Switzerland, 19 September 1946: “We must build a kind of United States of Europe. In this way only will hundreds of millions of toilers be able to regain the simple joys and hopes which make life worth living”.

These words kicked-off the discussion about the potential establishment of a geopolitical entity, uniting the most developed countries in Europe. If you wonder who is the author, make no mistake — it is Winston Churchill, the leader of the country that has now gone full-reverse on the idea of a united Europe. What happened in the next few decades is pretty well-known. …


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“Every aspect of learning or other feature of intelligence can in principle be so precisely described that a machine can be made to simulate it.”

— Mission Statement, Dartmouth Conference, 1956

It is interesting to see how the mission statement of the “Dartmouth Summer Research Project on Artificial Intelligence”, one of the most prominent events in the history of AI development, was so much ahead of its time. Looking at the first concepts, shaped more than 60 years ago, really puts in perspective how long it took us to reach the state where machines are able to start learning by doing. …

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