Posted in investing GO&GROW

Bondora created a new tool named “go & grow”. They says, you can earn 6,75% .

What do you need to start? Bondora account and there open “go & grow” account.

They says there is no risks and you can cash out any time.

Sure, 6,75% is with *. what it means?

It means, if something goes wrong, this profit is not a commitment. They can pay less..

I think, if you have much money and do not know how and where to invest, there is good solution to you. Even 3-5% is not bad, while banks pays nothing.

Here you are my test go&grow account. I earn 0.15 eur  with invested 15.13 eur.


If you want to create bondora account, there is my link. YOU will get 5 eur and then test yourself ūüôā

Posted in investing



K/P is out of range,

stock grows extremely  fast. It frightening a bit.

Economist would say, if K/P less then 10, this is first small signal about good growing stock. So, K/P 218 CONFUSING. Netflix does not have many assets, but stock price is huge. lucky¬† guys, who invest their money on Netflix 15 years ago, even 3 years ago… profit is awesome. But if comes bankrupt of Netflix, there would be no money from assets to pay even creditors. So it is important to look on assets, debt…

But positive way.

Netflix growing!

June 30, September 30, December 31,
2017 2017 2017
 membership membership membership
                51,921                 52,772                 54,750
As of / Three Months Ended
March 31,2018
   Revenue $       1,505,499     June 30, 201     (in thousands)

Revenue $       1,820,019     March 31, 2018  (in thousands)

One economist said, Netflix should grow few years more in same speed. So, i think, this is still¬† opportunity to make some money ūüôā

good luck, guys.

Posted in budgeting


My opinion, the most important money saving tip should be:



The pay yourself first technique is all but effortless to implement, usually costs nothing, and you can begin it with minimal planning. Start saving 10% of your salary.

Start Saving 10% Of Your Salary.

No matter how much cash tumbles into your coffers, it never seems to stick around for long. For that reason, you must pay yourself first, the same day you get the money.

TOP 2. MAKE YOUR SAVED MONEY  INACCESSIBLE. For reason you could not spend it.

The best solution to me is investing¬† 10 % of my salary every month, so my saved money “gone” from my hands, i can not use it anywhere else. A banker always offer you to open saving bank account. It is not a bad decision to do that, but is it not easier way to get back your saved money? Leave money in safe spot, safe spot from you too ūüôā

TOP 3. MONEY SAVING AND INVESTING IS A FINANCIAL GAME. Play this game! It is fun. The most enjoyable part is the result. Profit and interests for you. The money saving game should be funny part of your life.


Saving  really requires you to sacrifice other smaller things that you want in order to win your financial money saving game. This is the most painful part of money saving. But in bright  side, you should not sacrifice all you like, just some of that. for example, coffee from restaurant or gas stations or dinner in restaurants.


I think, you understand that very clearly. Buy what you really need. You can buy nice quality polo shirt from Lidl for 6 EUR, or you can chose¬† Ralph Lauren for 70 EUR or BOSS for 120 EUR. You paying for image and “status” not for comfort. A comfort is not a logo you buying. Branded stuff are quality, that is true, but over priced.



What reason you saving. You should know that. To save just in fact, do not promote you.

You want to pay out your debt is excellent aim or you want to buy a car with cash.

The most luxury aim is financial independence. If you reach it, you are a lucky guy.

My financial aim is: Earn for holidays from investments. How much money is it?

1500 – 2000 EUR PER YEAR

It’s looks not so much, but sure, investing portfolio should be about¬† 20 000 EUR.

Posted in investing


NVIDIA Corporation


STOCK price double in one year
in 2016 the stock price was 27 usd, after 2 years almost 10x more!!!!!!

try to think, why you should not invest in high risk crypto. In stocks, so much opportunities.

If you invested $1,000 in stocks like Nvidia 2 YEARS ago, now your profit almost  $10 000.

Let’s look on Advanced Micro Devices, Inc.


Not as good as Nvidia, but from 2015 november, stock price up 4 times, from about 2.2 usd to 10 usd.
Double your money every year not so bad, is it? ūüėõ
But this is history,  that stocks prices at the moment, my opinion, is expensive.
So what to do? Maybe you still can ear money with this stocks, why? Radeon video cards from AMD in crypto world now are top tool. It is best price and performance leader. In market that video cards deficit.  AMD has so much orders. So i rather chose AMD then Nvidia.
But for most honest readers, who read till end my posts i have top secret ūüôā


TSMC (Taiwan Semiconductor Manufacturing Company) is the largest independent chip foundry in the world. It produces chips for fabless semiconductor companies like Apple, Qualcomm, NVIDIA, and AMD.
Stock price growing more then 20% YTD, last three years almost double the stock price. Healthy and affording profits.

The stock price is still not as expensive as Nvidia or amd.

P/E Current 17.31 Is still in normal, while NVIDIA has a PE Ratio (TTM) of 47.55.

My opinion P/E is normal till 20. P/E smaller = companies stock price cheaper.

P/E is stock price and profit ratio.

My opinion TSMC will grow much. TSMC clients AMD and NVIDIA produce more and more.