S&P 500 is the index of the 500 largest companies of the biggest economy in the world. As such, it is also an inequality-growth benchmark. If your net worth grows slower than that, you’re on the losing side; if it grows faster, you are among the winners. In the last 365 days, the magic number is +47%. On which side are you?

That is a much better way to see what is really going on than looking at inflation (CPI). …


I’ve built a tool for friends and family, and you may need it too.

I cannot count the number of times someone asked me if it is the right moment to buy Bitcoin. “Should I buy now?” I leave a discussion about all ifs and whys for another occasion. The demand is real, and as somebody who benefited a lot from being around in the “Bitcoin bubble,” I never feel honest replying with the safe but lazy “Don’t.”

For the majority of people, the correct answer is always the same: dollar-cost averaging. Buy a small amount for a fixed dollar value on a regular schedule, so you buy a bit more when the price…


While the Bitcoin hash rate reached another ATH, a bunch of new articles and memes complaining about the energy waste struck again. Let’s debunk it for good. It’s about time.

  1. The energy used to mine Bitcoin is often an energy that cannot be used otherwise. Only that type of energy is cheap enough. In Poland, miners use the energy produced by wind farms that because of an anti-renewable energy law (Poland tries to lobby and protect its inefficient coal mining industry,) cannot be sold to the network. Bitcoin makes those businesses profitable again. That is not a rare example but…


I recognize the demand for new funding and investment mechanisms, and I’m quite excited about cryptocurrencies in general. That said, the initial coin offering (ICO), in the current form, is a terrible investment model that cannot work and will make more people bankrupts than millionaires.

What is the ICO in the first place? After studying a bunch of the most famous examples — it’s easy to conclude that a successful ICO is an idea with enormous funding gathered in the process of selling a token with usually under-defined utility. …

Jan Klosowski

I design and build human interfaces. I speculate on markets and ideas. I am the owner at https://deltabadger.com/.

Get the Medium app

A button that says 'Download on the App Store', and if clicked it will lead you to the iOS App store
A button that says 'Get it on, Google Play', and if clicked it will lead you to the Google Play store