Publications

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.

Investing in the Stock Market – The Basics

There are many reasons why people invest in the stock market. Some want to make millions overnight (unlikely!). Whilst others may want to invest in businesses that will grow over time. If you have any kind of retirement savings or pension you probably own stocks already. In this article, we’ll go through the absolute basics of what you need to know to get started.

How to secure bitcoin in your own wallet

Bitcoin is designed so that any user can safely secure their funds, without the need for a bank, exchange, or third party. In the previous article we discussed why keeping your Bitcoin on an exchange is a bad idea. In this article we’ll look at how you can fix that by setting up your own digital wallet.

Why you shouldn’t keep your Bitcoin on an exchange

One of Bitcoin’s biggest advantages over traditional finance is that you can safely store your Bitcoin in a digital Wallet, without the need for a bank. However, many new users choose to store their Bitcoin on exchanges, without being aware of the risks. In this article, we’ll unpack what those risks are. And in the next article, we’ll look at how you can keep your Bitcoin safe by setting up your own digital Wallet.