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Telegraph Article on ISAs and Robo Advice compares Nutmeg, Wealthify, MoneyFarm, and Scalable Capital.

At some point, even if it is in the construction of the algorithms, an active decision has been made about how “asset allocation” – the weighting of each component in a portfolio – will be handled.

“Not all robo-advisers use an active strategy to decide on the asset breakdown, but we encourage those concerned to look at the investment strategy, who is making

According to coin.dance's excellent block data stats, we have

• 3.8% of blocks voting for classic
• Old Classic miners (slush) voting for 2MB
• Newer miners (also slush), voting for classic, unlimited: EB16.0/AD4/BV8.0
• 9.5% of blocks voting for unlimited
• Slush EB16.0/AD4/BV8.0
• ViaBTC /EB2/AD4/
• pool.bitcoin.com /EB16/AD4/
• 9.0% of blocks voting for 8MB
• Slush EB16.0/AD4/BV8.0
• pool.bitcoin.com /EB16/AD4/
• Mysterious BW Support 8M fisher jinxin /BW Pool/
• 12.3% of blocks voting for SegWit

Who's the mysterious pool? How do we know they support 8MB? Why would they not signal support for unlimited or classic?

If the

Es gibt Rentensversicherungspolicen mit folgenden Eigenschaften:

• Einzahlung jederzeit, üblich monatliche Sparrate
• Auszahlung jederzeit möglich
• Investment der eingezahlten Beträge in Fonds, auch ETFs
• Bei Auszahlung nach dem 62. Lebensjahr und nach mindestens 12 Jahren Laufzeit [Korrektur] wird die Hälfte der Erträge mit dem persönlichen Einkommensteuersatz besteuert [Danke u/schgebbi].
• In allen anderen Fällen werden die Erträge bei der Auszahlung mit dem Abgeltungssteuersatz belastet.

Solche Policen eignen sich als Wrapper für ETF-Sparpläne, da keine teure Versicherungsleitung erbracht wird. Die Besteuerung nach der 62/12-Regel ist in jedem Fall günstiger als die Abgeltungsst

I got interesting in Bitcoin because I like progress. The last couple of years did not show this, so I'm losing interest. Do people here feel the same?

Here's what I expect from the Bitcoin world this year:

• Break through the 1MB block size barrier and related disputes. On-chain scaling, fuck yeah!
• Overcome the Blockstream/Core vs Internet hivemind blockade. Sometimes decentralization needs leadership!
• Demonstrate growth in Bitcoin usage by businesses from other industries. It's the economy, nerd!
• Show on-chain or side-chain innovation that let's me do things, which were impossible last year. Disrupt me, baby!
• Break 1000 USD/BTC. To the moon!

I don't care, which happens

Moody's downgrades rating

Brazil's Oi starts $14.3 billion bond restructuring talks

Will they default on bonds?

I use a LibreOffice spreadsheet for budgeting and tracking. I think I could do better with specialized software, but I'm not comfortable with disclosing all the data to a third party (like mint). Is there a usuable software that import CSV or (better) HBCI data from banks?