Before blockchain, the problem with digital transactions is that we needed a third person verifying our moves. I might be a bad person and make copies of the same digital dollar. I might have transfer you, your parents, and your friend the same digital dollar for three pieces of bubble gum instead of one.

MoneyGram International Inc. (MGI) is a blockchain-based money transfer company serving a segment of the estimated 1.7 billion unbanked individuals. In 2018, the Company generated 88% of its total revenue from money transfer services and competes with companies such as Western Union (WU) and PayPal (PYPL) for shares in the unbanked money transfer market.

block chain

The space race was the competition between the Soviet Union and the United States for spaceflight dominance. We raced to land the first man on the moon. Instead of direct conflict, we fought under the pretense of technological advancement. In the 21st century, there is now a new ‘Space War’ under the guise of blockchain adoption.

time horizon

The truth is investors who trade frequently are more likely to face poor performance. Investors who hold on to “winning” stocks earn 7% more than investors who do not because of taxes and trading cost implications. Although a small majority of investors can actively game “earning releases” and trading volume to earn enough to offset tax and trading cost, the majority of investors do not.


Regardless of what investing framework you follow; you are ultimately the one buying or selling a stock. Behavioral finance incorporates the human element, the final missing link into finance.

short selling

Evidence show that retail short seller performs better than institutional short sellers. The inverted yield curve correctly predicted all the recession during the last half century. The inversion officially happened on August 14, 2019.