Publications

Bitcoin Beginner Series – Part 1: What is Bitcoin?

Note: This article was originally published on Zonotho, a financial education start-up, in March 2021Original post here In this series we’ll build up an understanding of Bitcoin, starting with the absolute basics. In Part 1 we’ll answer the questions: “What is Bitcoin?” and “Where did it come from?” What is Bitcoin and what makes it …

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Bitcoin: guidance from an actuary on how to channel your fear of missing out

Note: This media release was originally published by the Actuarial Society of South Africa, in conjunction with independent journalist Lucienne Fild, in Feb 2021. It was subsequently republished by several other media outlets.Original article hereIOL Article hereMoney Marketing Article hereBusiness Tech Article here As the price of Bitcoin breached $50,000 (R740,000), the fear of missing …

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Checklist before buying an Apartment in South Africa

Note: This article was originally published on Zonotho, a financial education start-up, in August 2020 Author’s Note: This article is written considering purchasing an apartment in a complex (i.e. sectional title) in South Africa. Many of these items also apply to a house, but some do not. You’ve found your dream apartment, the price seems …

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Buying a House – A Breakdown of the Costs

Note: This article was originally published on Zonotho, a financial education start-up, in August 2020 Author’s Note: This article is written considering taxes and regulations in South Africa. For many people, buying a property is an emotional decision. They look at the living room and imagine laughing with their friends and they look outside and …

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Grandmas on Lightning: is Bitcoin Too Hard To Understand?

Note: This article was originally published in Bitcoin Magazine in August 2020. I’ve spent a huge part of the last three years explaining Bitcoin to general audiences and the most common form of resistance I encounter is: “Bitcoin is too complicated. The masses will never understand it.” It’s a fair argument. Bitcoin is complicated and …

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What are “negative” interest rates?

The other day my mum asked me to explain negative interest rates. I realized I had no easy way to do this. It’s such a wacky concept: why would interests ever be negative? Under normal conditions, they wouldn’t. Which is why it’s easier to start with understanding positive interest rates.

Smoking: a 100-Year Story That Doesn’t End Here

Through the acrid haze, he can see the outline of the famous detective, Holmes, sitting in his dressing gown with a black clay pipe clenched between his lips. No children’s book would paint this scene today. But in 1902, it was common to read about characters lighting up cigarettes in a restaurant – it was a harmless vice, a gentleman’s amusement. Holmes smoking through a pound of strong tobacco, almost half a kilogram, was just what he did. Even kids recognized the iconic pictures of him smoking a pipe.