From Minimalism To Tech

Reader Disclosure


Only trade, invest or buy with money that you’re willing to lose because losses are guaranteed in life.

You Must Follow These Rules

The following site covers financial topics from a theoretical and entertainment standpoint only. Any discussion about investments, trading, or financial actions should be considered an experiment with the expectation of full loss. In addition, any stories we tell about others or ourselves may have details changed, or be completely fictional; this is what we mean that you should only read this site as entertainment and (or) as a thought experiment. Since the financial world changes – such as negative interest rates or bail-ins – we do not know what will happen in the future and thus there is no certainty or truth in any statement. Past financial advice from other generations, like “save 20% and watch compound interest grow it”, have all turned out to be lies or bad advice because of rapid changes in finance. In addition, anyone stating what they are doing should be considered fiction, as stating any digital action opens a person up to security compromises. Under no circumstances should you follow or consider securities, investments, financial actions, or crypto-tokens mentioned, unless you are willing to lose everything you invest or time you worked to invest. Readers agree to the following if they continue to read this site:

  1. Loss is highly probable with any investment, trade or financial action mentioned on this site. In addition, trading posts are often delayed several months before they are posted – this is to prevent the impact of journalistic plagiarism by allowing us time to consider an investment and take a position so that if journalists do steal content, they profit our positions through spreading our written material. This means that you should consider this fact before thinking about investing or trading anything we mention and there is a high probability that your positions won’t be profitable. If you want to know what we are currently investing in without any delay, you can consult with us directly.
  2. A select few crypto-tokens and crypto-assets may be exciting and they are new relative to other securities. However, most crypto-tokens and crypto-assets are total scams. It is very possible that any of the crypto-tokens or crypto-assets that we like may turn out to be scams; unfortunately, we are trusting strangers, like everyone else is. For this reason, we only buy crypto-tokens and crypto-assets with money that we don’t expect to receive a return – so a $100 is considered a total loss. Authors on this site have experienced complete losses with investments in securities in general and understand that nothing is guaranteed. In addition – since this was not clear to readers in the past – the authors may not do the action they mention, relative to their own circumstances; for example, a liquidity crisis right before an opportunity. Therefore all actions mentioned are “ideal” actions, like timing a buy if the author could. And all content about a crypto-token, is from an entertainment and fictional point of view. Only trade with money that you’re willing to lose on any and all investments, including – but not limited to – stocks, ETFs, mutual funds, bonds, crypto-tokens, precious metals, commodities, futures, basic materials, energy, and every other item you purchase.
  3. The authors of this site discuss gold from a currency point of view, not as an investment. Like all currencies, gold rises and falls in value relative to other securities. No mention of gold is from the standpoint of an investment – gold does not pay dividends or earn a return and never will. If an author writes about gold from a speculative point of view, this will be stated. Otherwise, all mentions of gold are from the view that gold is a currency. In 100 years, one ounce of gold will be one ounce of gold; nothing more and nothing less. Money and currency in other contexts may or may not refer to legal tender, as the definition is relative to authors, commenters and people in general.
  4. Any investment, trade or financial action mentioned on this site may be reversed quickly relative to the circumstances. For an example, if an author mentions that he purchased 1000 bitcoins, the market may look unfavorable to him and he may reverse this action. In addition, since this involves a token, the action itself may be fictional. This does not have to be stated, as the author is only responsible for his own due diligence, security, and change. In addition, all actions by authors mentioned are from an ideal standpoint – the individual’s environment or variables pertinent to them may not allow for it (“I’d like to buy that basket, but am facing a liquidity crisis”). Readers should perform their own due diligence about buying and selling cycles. Only trade with money that you’re willing to lose because losses are guaranteed in life.
  5. Any financial advice is intended for non US citizen audiences, or citizens of countries that do not allow financial advice. Many other countries around the world allow financial advice by non-credentialed results-oriented investors. However, some bureaucratic systems do not allow this; if you live in a bureaucratic system that does not allow financial advice from non-credentialed types, do not read the advice. Only trade with money that you’re willing to lose because losses are guaranteed in life.
  6. The authors of this site believe that a new financial world is beginning that carries less debt than the old world and is based on capital-based money, not debt-issued money. This is an exclusive viewpoint of the authors and does not mean that this view will hold true for the next few years, decades or centuries. We are willing to learn about this new system and post our findings, but this does not mean that any of these findings will be true in the future.
  7. All discussion or interview posts or articles are only from the view point of the person answering questions and not the writers of FinTekNeeks. When we discuss with someone about their views on a topic, or their design of choice, we do not insert our own opinion in the post or article. Therefore, the person answering the questions is responsible for the truth of what they assert in the post or article. Since we’ve seen so much change in the financial industry in general over the last ten years, we personally hear any statement made by anyone in any financial industry as a fictional story or an ideal story.
  8. We do not know the legal jurisdiction that you reside in and cannot offer any legal advice for financial securities. FinTekNeeks’ readers live all over the world and therefore are subject to many different system’s laws. What this means is that if you live in a country where a financial asset, like bitcoin, is illegal, then you must follow the rules of your legal jurisdiction. Some countries ban crypto-tokens and there’s no way for us to know whether you live in one of these jurisdictions.
  9. We have been wrong in the past and we will be wrong again in the future. Consider this when reading our posts. We are not above being wrong – in fact, we know it’s guaranteed to happen. If you dislike people who’ve been wrong, don’t read this site – we can’t guarantee that we won’t be wrong in the future. Only trade with money that you’re willing to lose because losses are guaranteed in life.
  10. We recently added, I just lost everything and you should read this post as it reflects major patterns of what we’ve seen in the cryptosphere. Most ideas in the cryptosphere – if not all ideas – will fail.
  11. Since “Fake News” has become a recent buzzword, we require that readers treat our site as if it’s fake information or fake news because of how rapid information changes in the financial industry. Twenty years ago, it was prudent to save money in a savings’ account – but is this true at 0% APY, which has been the rate for the last decade? A lot of financial information of the past has been refuted by recent changes, which means that by the time you read one of our articles, events or changes may have made our information completely irrelevant.
  12. Old articles from A.P. or content from past courses may be posted on our site that’s only relevant to the time we made the case (see date information). Students who have enrolled in our courses do not need to fear a loss of their investment in our courses, as we will not repost arguments or strong cases in favor or against something. We only repost snippets of content (most content is removed with a [REMOVED] indicator) to highlight examples of what people would have seen had they been enrolled in our courses or read our free content from our A.P. site.

Special Cryptosphere Warning

Crypto-tokens make up the cryptosphere, though we may use the terms like crypto-tokens, cryptocurrency, crypto-asset, since these are also popular terms. We would be absolutely shocked if any of them existed in 25 years, meaning that anyone who deals with these in any manner should do so at the full expectation of a loss. Claims that these are all Ponzi schemes may be correct in the long run – the vast majority of the cryptosphere ideas have no long term plan to maintain their idea. In the least, one should only consider a project with a strong idea, detailed white paper about the project, and a development team with a good reputation, along with proof over a 3 month period that progress has been made. Note that’s in the least. If a project doesn’t meet that criteria in the least, it should not be considered at all. In addition, the average life expectancy of a crypto-token is less than seven weeks, using a combination of measurements of post release of a crypto-token. Whereas a government issued fiat currency has a life expectancy of 27 years, crypto-tokens don’t have any authority backing them up that can increase interest rates, prevent capital flight, etc. This is as true for bitcoin as it is for every other crypto-token: anything is possible.

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