October 24th

News can be depressing at times but it also gets people riled with all the goings in the world and here at home that's why I don't watch it on TV but prefer to skim thru headlines online. There are the odd 'feel good' stories with all the doom and gloom.

When articles come out that I know will impact my finances I take more notice.

Rent control is a problem that hits renters in the wallet.. or purse. Not only here in Nova Scotia but all around the world and depends where you live. 

Recently we had a provincial election and rent control was one of the issues batted around by parties while protests occurred about high rent.

 Being 'House poor' can be a big problem so can 'Rent poor'. Earning or collecting pensions where rent or a mortgage takes most of a monthly's income. 

PC's are now in power here and they have brought in/continuing a rent cap of no more than a 2% increase per year until 2023. That's a help but as folks move out or are 'renovicted', landlords have no hold on what they can increase the rent by ... 6, 7% or more. So, over time with the turnover of apartments, rent is climbing higher and higher plus the 2% rent cap yearly.

Here's a good CBC article addressing that;


Rent Caps or not across Canada, renters are all in the same boat while some landlords don't obey any guidelines and adjust rents to their pleasing. Those that go to Tenancy Boards for help, rarely get big rent increases over turned where the Landlords will come up with some excuse.

On my Crytpo Ventures page today, I'll introduce a crypto site that one of the biggest pensions in Canada (out of Quebec) has invested in.

Plus the pros and cons of Staking with coins other than 'Stablecoins'.

October 19th

Out of the blue or 'clouds', Facebook is going to launch their 'Novi' Wallet in the US first with a 'Testing' or what I call 'Beta' phase on Conbase which is interesting. Facebook will be using the Paxos stablecoin to launch or USDP; legal in the US and backed 1 for 1 USD as per the rules and regulations.

The Wallet will be in an 'APP' download and selected testers can fund using debit cards to see if it performs smoothly.

It will interesting to see when Facebooks' Novi goes mainstream and will it work for me In Canada down the road as another option to covert crypto coin (Paxos) to CDN currency. Hopefully so.

October 18th

For folks that have an interest in training/working in aviation ... this is an ideal time to start. 

Airlines didn't expect the passenger loads they are getting so soon after the pandemic but with 'Vaccine Passports" which show proof of the required 2 shots and people anxious to get away or visit family, they are in a hiring trend now where they don't have enough employees to meet the building demand after thousands were laid off after the pandemic started.

On the mechanical side in Canada, aircraft are maintained within Transport Canada's rules and regulations and College students are taught this from the start. Airlines like Air Canada, Jazz Air and WestJet hire students right out of these schools across Canada where recruiters check on their progress. 

Newly Licensed AME's or Aircraft Maintenance Engineers that certify aircraft airworthy can make north of 60 grand a year and up. There used to be one blanket coverage for all aspects of an aircraft but now their are separate categories like Mechanical, Structures/Sheetmetal and Avionics.

New aircraft are less hydraulics and more 'fly by wire' or electronics and avionic trained people are in demand. 

Pilots and flight attendants will be needed as more aircraft are brought back into service.

Airlines tend to get into internal cycles of highs and low times depending what's going on ... too much debt, strikes by unions, accidents, etc. and for investors that are into these Airline stocks, it can be an up and down ride at times. 

Stock prices are down currently but eventually as airlines start reporting profits once again as they build up from the lows of the pandemic, they will come up but like everything investing, patience is required.

​Air Canada for example with the Ticker; TSE: AC had a rising stock price going into 2020 at around $50 a share. Today, It's around half that with potential to climb again. 

October 16th

Stable or a good balance I what I look for. When investing there are the odd pitfalls ... specially when dipping toes into areas not being familiar with but I look at them as learning experiences. I'll play that better next time and know what to look for before hand while having a more 'stable' mindset than just rolling the dice hoping for the best outcome, remembering there are a lot of variables beyond my control.

When is stable getting dicey? A common trading practice with the crypto is to buy volatile coins with 'stable coins' (1:1 with the USD) to capture the gains from a low buy and sell at a high point  ... trade back into the stable coins where the price isn't going to move or very little like 99 cents and back to a dollar until the next Trade (seeking a 'no loss' of gains scenario)

​Enter the US department of the Commodity Futures Trading Commission or CFTC. They are now watching stablecoins and checking their history like a Hawk .. or an Eagle?

I caught wind of them looking into Tether (USDT) and shifted my holding in that stablecoin to others like USDC and DAI. Tether was fined 41 million (already paid) for a one time warning because they didn't back each coin by a dollar as per regulations between 2016 to 2018. 

Tether is not going anywhere with a 68 billion dollar market cap but will further crossing the line with the CFTC cause them to be banned in the US? Just speculating but the CFTC will be watching all stablecoins that are available to US citizens.

I opted to use mainly the currency USD within Trading pairs awhile back where no one knows what's going on behind the scene with US regulators until the hammer falls.

October 14th

Rising inflation will probably bring on an increase in interest rates later on in Canada. That's a topic like the pandemic. Go away and tired of seeing it everywhere but unfortunately folks have to deal with it in their daily lives like shopping ... probably having to budget a tad more with the rising prices. 

For investors in the stock market, inflation and interest rates are for many ... in the back of their minds when making decisions about their portfolios.

Bitcoin is holding fairly steady. Moving a few hundred dollars in a day but staying in a 'high/low' range in the 50 grand USD level currently. Normal stuff with the BTC although it looks volatile to newcomers and novice traders. 

Where I live on the east coast of Canada, the nearest crypto exchange is based in central Canada although there's are a lot of potential and tech minded people here in the Atlantic Provinces. The closest Bitcoin 'Mining' Center is in New Brunswick operated by Hive Blockchain Technologies and that company is listed on the TSX and NASDAQ stock markets. They are currently expanding their operation in New Brunswick with a new building under construction.

Who would of thought of such a thing a few years back where Mining was done mostly out of China when Bitcoin started.

Quebec was the first province to invite Miners to Canada a few years back where that province has the cooler climate and cheap power as a promotion.

Today the focus is to convert to 'Green' as much as possible but still have the computing power maxed out. Hive Blockchain are smart where they are keeping the majority of their 'rewards' for completing Blocks for Bitcoin transactions and doing the same with their Ether rewards. 

China banned everything Bitcoin, Altcoins and Mining so the migration to North America continues to the States and Provinces that are open to their business with a requirement to follow their regulations.

October 10th

It's Thanksgiving weekend in Canada and Columbus Day in the USA.

Once again the pandemic has the country asking folks to limit gatherings while the 4th wave continues. Canada's top doc figures that wave has now peaked but far from being in the rear view mirror.

The NHL season is gearing up to start and a new focus on how the pressure of those in sports is coming to the forefront with the Montreal Canadien's star goaltender, Carey Price opting to get some mental issues ironed out before returning to the team. Up to these last two years of the 'un-normal', those in sports for the most part kept their feelings and thoughts bottled up inside and physical injuries were the only factor keeping players out of the game. 

Sure, goalies like Price get paid the big bucks to be happy with no financial worries and just focus on the game but that's changing. Get mentally fit before things snowball and worsen although not everybody can do that unfortunately.

In the crypto world, it continues to be 'indecision' while the wait continues to see which way Bitcoin will go. That won't last for long I'm sure where the big money traders called 'Whales' will make a move soon to either take profits or hold looking for a further boost in price.

It is good news that the US is not going to ban Bitcoin and Altcoins like China but further regulate to protect investors they say. But, it all still comes down to accepting the risk to play ... like stocks. The rules are there but there's no help or sympathy if into a big loss situation. Stay informed, think positive and hopefully make winning decisions ninety percent of the time.

October 8th

The crypto Markets are more bullish currently as prices of Bitcoin, Ether and Altcoins have risen in value slowly over the last few days. Currently, I feel we are in kind of a high point where 'Whales' like to sell for gains with coins they bought at a lower price but see what happens where this is the final quarter of 2021 and Bitcoin could climb to a record high or early in the new year.

I continue to just concentrate on the top 20 coins in marketcap plus Tezos where these tokens hold the most interest by the masses and they have some savvy people behind them keeping them popular. Plus 'staking' plans to earn interest with these tokens and stablecoins. 

There's quick money to be made with new tokens, De-Fi projects that appear out of the clouds and last for a few days, weeks or even months before they fade away as investors turn their interest to the next possible 'millionaire maker'. Or... the pump and dump as I call it. There's also the issue of getting possible gains from that new coin to convert into a useable token on an exchange to eventually withdraw or trade again. 

However, new coins that make a big splash are picked up by the some popular exchanges where they like the additional business via fees.

Of possible interest for US folks, Moneygram is planning to work with the stablecoin, USDC. When moving money out of the crypto market, MoneyGram will give an additional route where Circle's USDC can then be converted to USD when a user prefers. That is expected to rollout at the end of this year. 

So, if one wants to cashout some Bitcoin, they can trade it for the USDC which equals 1 USD each and withdraw it through Moneygram or send it to someone else. International options are expected in 2022.

It's wise to map out additional options available to convert crypto to cash for the times it may be needed for emergencies or routine withdrawals. 

October 3rd

That old saying for this time of year ... the days are getting shorter or like my local DJ says, the sun is like I work this time of year; show up late, don't do much and go home early.

I enjoy the Fall where the summer's heat and humidity fade away to nice crisp mornings with a chill in the air.

The Markets are coming back to normal after a down half of September where traditionally 'fear of losing' multiplies in that month plus there's a lot of shuffling of assets; sell losers and add to winners while they have come down in price some.

Bitcoin and Altcoins have rebounded since the 1st of October and are kind of back to normal despite the same issues on the go like China and the US pressure to further regulate crypto outfits and their related coins.

I can think of another month with the stocks where there's a lot of selling going on and that goes with the saying ... sell in May and go away. Keeping extra cash on hand until now ... October until sometime in the new year where things 'usually' turn bullish.

September 28th

I'm looking forward to October and hopefully better days with the stocks and crypto. Both Markets are down again today. The wait and see continues. I don't sell like many will do during these rough patches.

If anything, the 4th wave of the pandemic is still getting worse in areas of the Atlantic Provinces. Hopefully, this will be the final wave after the virus has made it's way through the population as the 4th major hurricane of this season churns up towards the East Coast of Canada but staying well out to sea so far.

September 25th

There's not much going on as stocks and the crypto market remain remain in a slumber for this week. Mostly rekindled China worries that's old news got fear on the mind of a lot of investors once again. The stock market did recover but remains flat for now. Time to watch and wait on my end. 

Meanwhile, the NHL starts their pre-season games tonight with the Habs ... Montreal and Toronto Maple Leafs starting if off when the puck drops.

Looks like there will be more fans in the stadiums depending on the covid rules across the country.

September 21st

Justin Trudeau and the Liberals will continue to run the country after last night's election results. Prime Minister Trudeau was looking for more seats but will continue as a minority government. So, not much change going forward as Canada deals with the 4th wave of the pandemic and not hard to see it's wearing down our hospital staffs while many nurses are now speaking out about being pushed beyond their limits since March of last year.

China ... investors must cringe now when they see that country come up with bad news. Being one of the largest economies in the world, it affects the Markets when things move in directions beyond the normal. Reminds me of the term...

like a bull in a china shop. It can cause some major damage at times.

First the crackdown on tech companies in the country that do business all around the world. They brought out their own fiat related coin and then started the shut down of everything Bitcoin in that country. No doubt so citizens would concentrate on the new China digital token. 

When they make moves on oil or commodities like ore and metals, it has a ripple effect for the companies that import to China.

The past few days a brewing issue with a major property owner over there that now is billions in the hole upending markets yesterday. Will the China ruling party bail them out or let it collapse. That's coming to a head soon.

For sure, there's more to come with everything China related to spoil the broth.

It's once again wait of the dust to settle from all that commotion yesterday on my end and see if it's a good time to buy low in stocks and/or crypto ... or is there more trouble coming for this week. So far today, there's some positive signs that things have bottomed out and could recover some today.

September 19th

The Gig Economy ... I would say this started with Uber drivers as 'Gig Workers'. Uber provides the platform and how to get started. The rest is up to the Gig worker, or self-employed person to develop his, or her own schedule.

'Gig workers are independent contractors, online platform workers, contract firm workers, on-call workers and temporary workers. Gig workers enter into formal agreements with on-demand companies to provide services to the company's clients.'

After the covid pandemic started, that exploded with the home delivery. Everything you can mention being delivered by Gig drivers and bicyclists picking up orders from shops and delivering them. Like 'Skip the Dishes', for example ... Load the 'app' and pick as many orders to work for the day while the orders are constantly added.

I looked in on a friend's App recently just to see what's involved like a $50 tip to deliver food to an office already paid for. That looked tempting but that was about the cream of the crop from that current list of deliveries. From what I seen and heard; on a good day ... working for a few hours to bring in a hundred bucks is normal.

Anyone can do it as a part-time job. What's needed? transportation, cell; and if it's a vehicle ... lots of gas money plus the specialized insurance for gig workers would be a good thing. Flying around town or a city looking for the addresses can be distracting plus the messages that come up on the cell. Accidents do and will happen if not fully aware of your surroundings.

Form what I read ... with Amazon now opening a distribution center in Nova Scotia, Gig Drivers can make around a $100 bucks a day with delivering up to 150+ packages a day. That's a lot of going.

With the rise of the individual, or retail investor, financial firms like banks and robo-advisors are pivoting to offer trading services to them with billions of dollars swirling around in the stock and crypto markets. I guess you can call that sort of a Gig ... seeking earnings with 'retirement' as the goal. 

Lots of folks build their portfolios over time while working ... to add a source of income when they retire and continue at it to keep busy while keeping the mind engaged or put it on 'auto-pilot' to increase their holdings and income.

With the stock markets, low or no trading commissions is the attraction now with no minimum investing amounts required. Big change from years ago with today's educational resources for the 'do-it-yourself' investor. A major topic being ... the search for low fees if going the ETF or Fund route.

September 15th

It certainly looks like the covid strain, Delta has now spread from coast to coast while cases have ramped up on the East Coast of Canada these days. Top Doc's say it has to make it's rounds and peak before things get better. No sign of that yet according to the latest news.

The original long range outlook from the start of this pandemic was 2 years and looking like it will take that long before it slows down all together baring another fast spreading strain of the covid doesn't start up.

It's been a slow start to the week in the crypto markets but picking up some now today being Humpday. 

The stock market has picked up the pace as well where the price of oil is climbing, bringing up the price of oil related stocks. Back to back hurricane type storms pounded Louisiana and recently Texas, forcing oil producers to cut production for now. That usually means we will pay more for gas at the pumps.


September 12th

The Atlantic provinces of Canada got their first direct hit from a hurricane this year and that was on the east coast of Newfoundland where the St. John's and surrounding area got hammered overnight Friday into Saturday by 'Larry'.

There is damage from the sustained high winds and rain plus it was high tide at the time causing a higher storm surge. That happened Friday night and some power is expected to be back on today while that work continues until all power is restored.

Today, there are no brewing hurricanes in the Atlantic so far.

Ending this week, both the crypto and stock markets are kind of subdued. Normal September stuff they say where it fits in with past general investor sentiment from past years and decades with the stock market. 

​But there are always gems to be found that buck that tradition and the increasing rise in numbers of the 'retail investor' that want to make steady money twelve months of the year in one form or another.

With Bitcoin, which acts like an 'index' over most 'coins', it looks like it has bottomed out at 45 grand USD after falling from over 50 grand last week. Uncertainty is normal in the crypto market after that plunge while waiting from some movement from buyers and sellers ... which will have the greater impact on price moving forward. The Bulls and the Bears.

September 9th

The US SEC is making a lot of noise lately in the crypto world as it sticks it's 'feelers' into more exchanges and crypto sites, De-Fi, etc. looking to see if things are kosher and if coins behind these outfits are registered security tokens or not.

Just to stay informed, I watch the news daily to see if any crypto 'sites' I'm in are in the SEC crosshairs, although I am Canadian. Things can turn ugly if they don't comply for requests for information or submit their financial plans that involve securities ... voluntarily.

I joined one of the top US Exchangers after it launched and It's trading on the US stock market called ... Coinbase. A huge outfit now worth billions.

Just to show how enforcement departments in the US are watching crypto now ... Coinbase has been compliant with the US SEC and they say they have submitted plans to offer clients a lending opportunity depending on their wealth status.

That was stopped in it's tracks where the US SEC would sue if they launched this without explanation. 

There will probably be further news on that later but got me to thinking, who's next? There are quite a few crypto sites that offer 'lending' depending on how much collateral one has in their 'wallet'.

If that 'lending money/crypto' issue expands with enforcement into more US related sites or international that offer it to US citizens, Canada tends to follow what's going with all these new and impending rules/regulations the US are imposing.

This has no effect on Coinbase's current services or day to day business by the way.

Meanwhile, 'buy the dip' is a popular topic today where Bitcoin took a plunge on Tuesday where the big crypto holders, or Whales decided to sell in mass for a short period before Bitcoin rebounded staying above the mid 45 grand range for now. I'm sure a lot that are into Trading have done that... buy the dip or 'buy low', waiting for the next increase in prices with Bitcoin, Ether and Altcoins.

September 5th

The tourism industry here in the Atlantic Provinces is improving as borders opened with vaccine protocols in place for travelers. Seeing Hotel parking lots full is a good sign for tourism that was flat for over a year. Air Canada is making money again with passenger flights while both Air Canada and Westjet are now dealing with employee shortages after massive layoffs last year.

All this talk from the airlines of cheap fares for awhile is already out the window I noticed after checking ticket prices to fly but there are some decent deals with the discount and seasonal airlines.

For now, Bitcoin is staying above the 50 grand USD level where there seems to be indecision at this time. That won't last long.

If BTC moves up further and uses the 50 grand 'line' as a bottom, it's possible a further climb is ahead at some point. But this is crypto land and volatility rules. 

Like the wartime action flicks I watch as the commander shouts to his troops ... "Hold the Line!" or in NFL Football ... defense geared up to stop the other team from advancing beyond the 50 (yard line). 

The focus for a lot of investors following the 'coins' shifts as one sector seems to peak and then they move to what could be the next bonanza or ... return to what works for them to make gains and money. Shifting trends.

For example, De-Fi was hot for a year and then NFT's came on the scene. Now there seems to be a slow shift back to De-Fi's, where some coins are duplicating Ether's platform for De-Fi sites but with cheaper fees.

September 3rd

We are already into the long Labour Day weekend here in Canada and back to school is the talk this week after interrupted schooling happened in 2020 and 2021, switching back and forth to 'in class' or at home learning. With the vaccinated count rising in the Atlantic Provinces, things should get back to normal but too early to tell yet.

To start off September, it's been a good boost for the Stock Market, closing the week just on the plus side with the TSX, Toronto Market.

Altcoins ... which I consider Coins other than Ethereum and Bitcoin are the buzz starting this month. I would have to side with those who hold (hodl) the top popular coins rather than Trade currently but eventually there will be a slide back at some point where 'buying low(er)' is my strategy.

Currently, most coins I watch are at a high, with Bitcoin getting over the 50 grand hump for now.

As I read the latest daily crypto news and this always happens when things are heating up ... article writers seek out 'old school' millionaires for their opinions. Folks that made their money before Bitcoin and are not involved only seeing the written word, Bitcoin. I don't even have to read the article because it's the usual tune like they've been saying for years now ... it's worthless.

With billions funded around the world, creating millionaires in the crypto world, I ignore all this side chatter. Eventually, things will change with crypto as it has since it started ... with more rules/regulations coming in and countries now bringing in their own currency related coins. It won't be long before there will be a Forex angle to that where it's about trading country currency coins for the price differences, looking for gains.

Meanwhile, I don't dwell too much about what the future holds with all that, when the opportunity arises ... it's time to make some 'coin' while the going is good.

August 29th

Looks like Donald Trump and his antic's are rubbing off on people here in Canada. Reminds me of the last presidential election where Trump stirred up riots and just plain caused trouble. Here, social media infused people are now causing mayhem on the campaign trail with a recent Liberal rally cancelled in case it boiled over into violence. The other party leaders condemned this type of behavior so that's good to see.

Social Media ... in one way, it brings people together and helps many while others decide to start an uncontrolled mob over their own opinions. Through media, folks can make a lot of money while others lose everything they got. I wasn't surprised when social media sites banned Trump. 

I'm not one for following a lead dog in a dog sled team. I go my own way.

Through all the trends and cycles with the crypto world, a lot of folks are more tuned in to trends and cycles. Before Bitcoin started over a decade ago, many trusted their funds to Brokers in the stock market and still do but the rising up of the 'retail investors' and 'DIY investors are slowly changing things.

There's a lot of buzz now about Ether (ETH) possibly taking over top spot from Bitcoin for the reason; Ether has a thriving business behind it while Bitcoin is based on holding for future value, buy and sell. 

Since De-Fi became the rave for some last summer, that boosted Ether where De-Fi rides on Ether's platforms. Ether is now in the news just as much as Bitcoin is.

As always, others will try and some will succeed in duplicating Ether's success and investors quickly take notice thru articles and information available. Before anyone realizes ... a new Trend has started.

Both Cardano (ADA) and Solana (SOL) are ramping up with platforms to rival Ether ... sort of a 'We want to be like Mike' thing but with value and cheaper to get involved via lower transaction fees. This also gets institutional players (Wall Street 'Whales' for example) watching.

Solana, for example increased from mid 60's to over $90 USD in a few days over the recent news about their progress.

These are trends for the interested investors to follow and makes some coin as it develops. Ride the wave sort of thing before things calm down for these coins and the next trend begins to form down the line.

August 26th

In Canada, the Federal Election campaign promises are once again in full bloom. Affordable housing, senior incentives and the latest ... higher corporate tax on Banks and Insurance companies. All costing billions with the mentioned higher tax supporting some of those costs. All great stuff if they become reality and not going to happen overnight which ever party wins the race.

Markets ... I kind of look at them where gravity plays a role. Whatever goes up, eventually comes down. There's greed and fear involved and the always present tug of war between the sellers (Bears) and the buyers (Bulls) in general, swaying the price of stocks on a daily basis or on a longer term.

Crypto is no different where there are several ways to make a 'coin'. One can hold or hodl for the long haul, trade, stake (De-Fi, etc.), airdrops for free coin and there's the 'futures' game. Speaking of game (gaming) and NFT's ... that's growing by leaps and bounds while players earn money. The first time I ever seen a country (Philippines) yesterday now taxing funds gamers make on the popular Axe Infinity where some are replacing their job with playing the game daily.

I prefer Trading and Staking while it was all about Bitcoin in the beginning but that market is slowly shifting with other coins rising up with millions and billions of dollars behind them although Bitcoin still remains the index that the others, or Altcoins, react to like the lead car on a roller coaster.

Early today, I seen Bitcoin drop in price along with Ether. Makes me think of 'buy low' which I'll decide on before prices inch up once again. 

August 24th

It's hurricane season and folks who live on the Eastern seaboard of North America are kept well informed of any dangerous storms that may hit certain regions. The last few years we have been very lucky here in

the Atlantic Provinces as hurricanes have downgraded and wind speed slows when going over colder water in the North Atlantic.

The latest called Henri was in the news the last few days but has blown itself out now and just rain forecast for this area while pushing a lot of humid air our way but as always, it's wise to keep 'track' of these as they can cause a lot of damage and power outages with direct hits.

Bitcoin did a 'chin up' to the 50 grand USD bar but 'selling' pressure has brought it back to normal for this month. Ether and Altcoins react as well when BTC moves in price. I figure the Market could build into another 'FOMO' fever while the interested watch and ponder how much gains they could make with an extended Bull run.

I perk up more when a Market drops short term like crypto after a high that results in cheaper buying and potential for more gains.

The Stock Markets have rebounded so far on this last full week of August after a down week. As always, it takes time for investors that drive prices to absorb the daily issues and then carry on depending on sectors like oil, mining, financials, etc.

August 19th

Flat .. or what they call going sideways is what's happening in the Crypto Market these days while the Canadian stock market (TSX) has been having an off week due to a mix of issues like oil price down, the spreading Delta Variant possible slowing economy growth again and the latest inflation stats showing over 3%. 

Just a ballpark figure but the average performance percentage for holding a basket of conservative stocks is 6% for a year. Normal inflation is around 2% but with the latest being over 3% in Canada ... that worries some investors who dwell on that. Just an example of an issue that investors consider when making choices. I'm losing ground instead of gaining sort of thing.

On my end, I think long term so put blinders to all that and continue to build on my current and new holdings where there will always be concerns in the market place through the ups and downs.

In the crypto market, I have been concentrating on the crypto-currency, Ether and it's been holding around the 3 grand USD range. Things will eventually move there again after days of indecision by investors.

August 17th

A Federal election in Canada is coming for Sept. 22nd. It wasn't long before opposition parties to the Liberals and Prime Minster Justin Trudeau (the guy who still has the nice hair) focused on debt. With millions forced out of work due to the pandemic, what is any party in the Federal Government to do? .. sit on it's hands or provide funds for folks to live on and keep businesses propped up for the duration and that is still ongoing. The US is still printing money for recovery from the pandemic as well as other countries around the world. No way to escape government debt in times like these.

One of the biggest issues on a personal level are rent control and the cost of housing today. Both are out of control with no real government focus on clamping down on them ... just studies and looking into it. Rent and housing in the cities and the surrounding area are overvalued but it keeps going up in relation to the next new housing development or apartment complex prices. There are loose regulations on yearly rent increases but for the most part, ignored.

No way to describe it but ridiculous while in the news it's about forcing folks to look elsewhere or move away. $500 to $800 a month increases are common today and of course that's insane but no stopping it.

Affordable housing is coming, governments say that want to pacify the masses and get re-elected but by the time they are built, hardly affordable and subject to increases like every other complex.

Like everything we have no control over ... the unsaid words ... deal with it. Brutal but true and no other choice for many paying out more money than they can afford.

​In the stock and crypto markets ... things have been flat the last couple days with some prices falling back some for now. Lots of issues got investors pondering over them. In crypto, Bitcoin is expected to make a move north to the 50 grand level at some point but as always, that's speculation as it goes through it's daily highs and lows. Trade (low) or Hodl (hold) is the question in a lot of investor's minds and that indecision is why coins don't move a lot in price on some days, weeks or even months at a time.

August 14th

I dread heat warnings on the weather forecasts and stats of high humidity ... give me spring or fall anytime to enjoy the outdoors but other folks prefer it. Like everything, there's always folks who have it worse like out in BC with fires raging since June and Vancouver area socked in with smoke making for very poor air quality.

So I can only mutter and complain about the heat so much with that in mind.

After the label of 'Broker' was clarified in the new US crypto laws that are attached to Biden's trillion dollar infrastructure bill ... comments have turned positive where a variety of financial outfits and Traders still think of Bitcoin and crypto as Buffalo Bill's Wild West Show and watch from their seats. With more laws and regulations in place, this could change their minds to jumping in and participating .... meaning millions of funding dollars.

Even so there's always risk involved in everything that's investing.

The hype around Cardano recently, which continues today ... came to pass as ADA breached the $2 mark so far. Touted as a rival to Ether and currently moved up to 3rd place overall in Market Cap.

August 11th

Despite new crypto laws and regulations coming into force in the US, Bitcoin and Altcoins are moving up in price to date. Looking good after being asleep for a couple months. 

There's lots of talk about Cardano (ADA) these days as a possible building competitor to Ether and it's 5th overall in Market Cap

Price predictions where it's now hovering around $1.85 USD, is $5 by the end of the year and higher in 2022 but as always, one must remember it's only guess work based on it's development and potential.

The stock world continues to move up and many popular dividend paying stocks I own/pursue are a lot higher in price than in January of this year. You kind of have to look at the big picture where a steady climb with inflated prices eventually leads to either a short or long term downfall before resuming again. Like a never ending slow moving roller coaster. At the bottom of the track loops, many like to buy more stock at lower prices to add to their portfolios. 

August 7th

Canada continues to move past the pandemic loosening more restrictions as the 'vaccinated' stats rise. The US/Canada border is opening as well. Airlines ramp up more international flights and more airports can once again accept international flights and travelers with the required 2 vaccine shots ... what they call the 'vaccine passport'. Individual provinces are also bringing this in while the Delta Variant remains a major issue.

In the Stock world, it was an upbeat conclusion to the week with a lot of 'green' on Friday indicating increases. Personally, I'm into the dividend paying stocks, which adds up over time.

In Crypto, that scene is abuzz since Ether added their 'London' Hard Fork with Bitcoin also getting over that 40 grand hump once again so far today. 

The additions to the Ether system were closely scrutinized I imagine to see if they working as laid out in the plans. Since the 5th of August, Ether's price has moved up as expected and it's over the 3 grand plateau so far. I suspect 'profit taking' will happen at some point but for now ... it's a general 'thumbs up'.

For folks who bought 1 Ether, for example, on July 20th of this year at $1754 USD, your Ether wallet would of increased by $1321 with the current price of $3075 at this time. A nice chunk of 'coin' for just watching.

So, that's the stuff that stirs the excitement pot with crypto at times after it wakes up after weeks or even months of little movement. What they call FOMO with some mixed in ... fear of missing out.

August 3rd

While the Delta Variant of the Covid-19 has taken hold and spreading faster now in the US and parts of Canada (probably everywhere by now) there's a general movement by the governments that it's time to move forward and continue to open up more despite concerns of some top Docs in the land.

The covid and variants will be around for a long time yet with Booster shots coming down the pipe in the near future they say. Meanwhile, the common Flu is almost unheard of last winter here. See what happens this winter while the word is that Mask wearing will not be mandatory (here) probably by the Fall. I would say the common flu will be back big time when folks toss the Mask.

More on Regulations and how it effects the crypto market in the US as Canada continues to ramp up their new crypto laws. Behind the scenes and all of a sudden ... a push to get two new regulations pushed into law started last week in the US. Important for coin holders to keep in tune with the new laws as they come into force I figure. 

The first I mentioned in my last post about throwing a net of taxation rules over the crypto in the US and the second is categorizing coins with what are securities and what are commodities. Addressing stablecoins and what is required to be legal to use in the US and what is required to add a new stablecoin(s), etc. The De-Fi world will also be in there but apparently extra regulations will be tabled for that Market place.

See what happens when these new regulations gets passed and dissected by the crypto media to make more sense of them. How they will impact the average coin holder and changes made by crypto exchangers/wallet holders ... if any.

July 31st

Ending this month, Bitcoin has moved up into the $40,000 USD level. See if BTC can maintain that and perhaps move up some in August. 

Regulations continue to be drafted and being readied to further blanket the crypto market even more as this year goes on.

In one way, it'll probably make the institutional investing crowd more comfortable when investing while others would prefer it to stay the way it was .. like the wild west and unregulated. It will eventually come down to thinking about where, what tokens/stablecoins to get involved with and how much to deposit/ withdraw with regards to transaction levels that trigger personal data being sent to the Fed's.

They use it to determine taxes and if crypto address are linked to criminal/terrorist individuals or organizations.

Otherwise, the law abiding have nothing to worry about except... dang, not more taxes!

Meanwhile, news from the Kraken ... nope, not the new NHL team, the Seattle Kraken ... hitting the ice next season.

Kraken, where I like to 'Stake', updated about stats and kind of floored about how much was involved there. These are yearly interest rates that can change depending on the plan but added once or twice a week (instead of monthly like a bank) which is better for compounding. Remembering, tokens fluctuate in price but going long term .. tends to work out nicely.

We are thrilled to announce that, year-to-date, Kraken has paid out more than $100 million in rewards to our clients via our first-in-class staking service. 

Recognized as the global leader in secure, on-chain staking, Kraken has seen the total number of assets staked on our platform rise from $1 billion to more than $5 billion in 2021.

Why are clients choosing to stake with Kraken?

Instant Stake: Start earning rewards right away
Instant Unstake: Unstake on Kraken in a matter of seconds
Weekly Rewards: Receive rewards once or twice a week 
Fixed Rewards: Earn consistent reward rates, no fluctuations
High Security: Benefit from Kraken’s strong security focus

Kraken currently offers the following yearly rewards:

Kava (KAVA) 20%
Polkadot (DOT) +12%
Kusama (KSM) +12%
Cosmos (ATOM) +7%
Solana (SOL) 6.5%
Tezos (XTZ) +5.5%
Ethereum (ETH 2) 5-7%*
Cardano (ADA) 4-6%
Flow (FLOW) 4.6%

*ETH 2 staking is subject to additional terms and conditions

July 28th

So far, the Atlantic Provinces of Canada continue to move through final phases of opening to all of Canada and the US eventually. The covid-19 cases remain low although there are the Delta Variant cases around. It's not spreading like wildfire here like in other parts of Canada and the world. Wearing Masks (for now) and keeping that 6ft distance where possible remains part of normal life here.

The Halifax airport will be moving to landing international flights next month and probably the real test with the virus as more folks get vaccinated.

Speculation ... is a part of the 'greed and fear' thing with investors to consider as they play in the stock and crypto world. Just a rumor that Amazon could be accepting Bitcoin sparked a Bitcoin rally. Word is they are hiring to explore that field and 'may' get more involved down the road. 

So far, good to see Bitcoin and Altcoins wake up from a daze that lasted for a few months... what they call Crypto Winter. Indecision is major factor, which is normal coming off past highs in price.

Stock indexes rebound much faster these days from speculation or real news that impact companies and sectors. For example ... Inflation stats that come out are real and freak out some investors into making changes.

July 24th

The daily news of where prices of stock and crypto are going should be taken with a grain of salt as predictions tend to be far from what actually happens now. It takes time to realize that new generations are involved and a lot more educated as they take up investing. It still takes experience and shifting with the trends as they quickly learn that I'm sure.

Reddit fueled Traders move billions of dollars these days and then there's the 'no fee' playground they play in ... Robinhood in the US, for example ... which is looking to go public on the stock exchange itself while being watched by the Feds. It's a new movement that throws a wrench into the traditional way things were done in the past so that's an example of how price predictions have a new angle thrown in.

Crypto is the same with price predictions and good to see a slight breakout in Ether yesterday, continuing into today with Bitcoin following this time. Usually it's the other way around. 

Regulations. The days of Bitcoin and all that swirls around it being like the Wild West with no rules or law only internal governance in areas ... is slowly coming to an end I figure. Besides the rest of the world, US States and Canada is looking at exchanges and 'security' like Tokens that have not applied or registered with powers to be like SEC's, etc. It's becoming a daily news thing where some outfit has been given notice to comply or can't operate here.

Probably a wise thing now to is to do a background check on where your tokens/coins being held relative to where you live if your into the crypto scene. 

A good example of that is Binance, the #1 exchange in the world by 'volume' ignoring requests to get registered with local authorities but it's now catching up to that outfit with 'illegal to operate' notices from everywhere these days. With no offices, the head honcho says he's working on that.

Amazingly, volume increased by 36% today with Binance and a 24 hour trading volume of over 20 billion. Folks still like a renegade bucking the system.

​However, Binance.US (ranked 9th) is working with the Feds in that country to be compliant.

July 20th

Next month, the Canada/US border opens to vaccinated US visitors while Air Canada is set to resume flights to US destinations along with Westjet and other seasonal carriers. 

Meanwhile, the covid variant... Delta is steady in the news and spreading around the world with some countries in lockdown. The fully vaccinated (2 shots) will hopefully keep this in check and if they do get the Delta, it will be milder compared to those not vaccinated. That's what health officials say but everybody is different with reactions to disease/virus and their cures.

Down ... is the word for today with stock indexes and crypto like Bitcoin ... for now. With the stocks there are always various reasons investors ponder over but the Delta Variant concern is at the top of the list starting this week.

Bitcoin and Altcoins ... kind of expected with the continued drop from yesterday. Now the wait to see where they are headed next. Hover around the current lows or climb in price eventually. No one knows but there's always a lot of opinions out there in the crypto news.

July 17th

As more people get vaccinated here in Canada, the tune has changed to adapting and living with the Covid-19 as restrictions ease. Hiring and businesses continue to ramp up with travel on a lot of folks mind. Here on the East Coast, the cruise ship tourist industry will be preparing for next year's visits that pump a lot of money into the local economy and government.

The stock market has been on a steady incline with some expected dips like the end of this week. Fossil fuels like Oil will continue to impact that Markets as OPEC related countries boost production, lowering the price of Oil per barrel, which spooks some investors into selling.

Speaking of 'selling' ... the coins in the crypto market are mostly down or trading sideways as investors wait for a possible price impact as a major US Bitcoin related fund unlocks for trading over the next few weeks with the first lot this Sunday, the 18th ..something like 16,000 BTC. Find out next week what happens then with the price of Bitcoin, which rolls downhill to most Altcoins ... if anything.

July 10th

There are several Stablecoins out there and I use a couple of them regular in Trading and holding funds that I take out of the volatile crypto coins.

A good example of that is the past run-up of Bitcoin to 60 grand. Thinking BTC will peak soon and wouldn't take much to for holders to be spooked into selling on mass, which happened ... moving BTC to a Stablecoin as BTC neared that peak would of been smart and reap a nice gain. Go back in when it stopped falling at 30 grand.

But that's like trying to time the Stock Market, which doesn't work out with too many factors involved to swing the stocks with some major issues suddenly wreaking havoc that's totally unexpected. The Covid pandemic comes to mind.

There's also that growing trend of playing it safe and just hold Stablecoins with Staking, or earning a yearly interest that's added daily.

DAI and USDT (Tether) I use frequently. USDT being the top with regards to market cap and under scrutiny these days. Probably stirred up by central banks where Tether could be cutting into their business while it continues to expand and grow.

A product of Coinbase and Circle (which is heading into the stock market soon like Coinbase) is the USDC (USD Coin which equals 1 US Dollar each) and is now making waves as well with over $25 billion dollars behind it and growing.

To be classified as a Stablecoin like USDC for example. Every coin must, or should be, backed by 1 USD dollar and it's a thing now for them to show audits proving this.

In summary, I use Stablecoins as sort of a safe haven when the crypto market in general begins to go off the rails for awhile and takes awhile to get back on track, picking up steam for another hopeful 'Bull' run.

July 5th

Earn ... an option that's caught on with folks involved with Crypto Exchangers and De-Fi sites. Also brings in more clients to exchangers looking to earn interest on their crypto assets added daily or multiple times a week depending on the plan layout. Interest added daily increases compounding compared to a Bank where it's added monthly.

I'm involved in a few, first starting with Kraken awhile back ... expanding their list of coins available to 'Earn' on or called 'Staking'. Nexo has the largest options of coins to choose from as well as Fiat like USD. Recently, Coinbase has ramped up their advertising of 'Earn' options I got into as well. I don't pay any fees adding coins to Staking or withdrawing them back to my 'on-site' Wallet. 

When comparing 'no' or low fee 'Earn' plans to De-Fi sites based on Ether smart contracts and looking at one example of $110 and deciding to withdraw that amount out to an exchanger Wallet; Recent Ether (Gas) fees for that has ranged from $30 to $40 just to pull out $110. Crazy. Ether says they are working on bringing down those fees but it will be awhile. 

Always wise to check out the fee structure when entering into De-Fi sites. Competitors to Ether are on the rise in the De-Fi market promoting lower fees but again... how high these are at any point and time is worth checking out. Some are set to 2 to 5% on the balance to be withdrawn probably having to buy/hold a balance of a site's specific token for the deduction of fees to withdraw another coin.

However, I prefer to stick to the no fee options I mentioned in the second paragraph. Not complicated and easy 'in and out' solutions. Like Coinbase ... just hold in the Wallet and turn on/off ... the option to earn/stake.

July 4th

Independence Day USA

July 3rd

Weather patterns are becoming more unpredictable. Global warming is happening and some countries are doing their best to cut down on emissions into the atmosphere while others say, it's all happened before.

British Columbia in the last week was unprepared for record high temperatures of near 50 C (around 120 F) and many have tragically died from the heat. Lightning strikes have started multiple wild fires and a town completely burned while most folks had little time to escape.

I thought June was unusually hot and muggy here in Nova Scotia with spurts of 3 and 4 days at a time staying at high temperatures and humidity levels. That's July stuff. See what this month brings.

Global warming? Look no further than than Canada's north and the Arctic ice melting more in the summers than previous centuries while Greenland is seeing more land exposed from the coast with glaciers melting. Foreign countries and energy/mining all have sights on the north as summers bring more open water to explore. Canada and Greenland have their work cut out to protect their territory and environment up there.

Turning to money and crypto. The Crypto world has a unique way of applying seasons to trends and patterns. With Bitcoin basically trading sideways for awhile now (indecision) while many Whales buy at the low watermark of 30 grand USD, they call this the Crypto Winter. Expected to last another 6 weeks while others saying it's into spring with an expected steady boost in price coming in September. 

Personally, I don't go much by predictions because Bitcoin moves more with social media and news which either brings on more fear or spending from week to week. But ... past history has been known to repeat although not always the same way.

July 1st

Canada Day

June 29th

Heading into July, Bitcoin's 'low' for a few weeks now has been the $30,000 USD level and it's been recovering from that ground level point with price increases like the last couple of days. Altcoins are seeing improvement as well while any negative scuttlebutt is kind of being ignored for now.

Ether is of building interest where in July there will be a switch up to the way they do things and 'should' be followed by a boost in price but a reminder that it still follows and influenced by the price of Bitcoin.

As I mentioned before, I like to trade a few 'established' coins I prefer while others jump on new coins that could make them a bundle or suffer a loss. That's nothing new and what I call leapfrogging where some folks are good at it. 

Keeping track of my coins like Tezos and Litecoin, for example, I used to check price/charts a lot. The only one I rely on now is CoinMarketCap where it's all there what I need.

However, I was thinking I would like to get notified of price changes and I eventually landed on CoinMarketAlert. They have a variety of Alerts available that I can select to be sent directly to my 'inbox' like the price of Tezos every 30 minutes or longer time ranges of an hour or more. A price 'target' I can set if I want to buy or sell is another feature of many.

Handy options that I'll keep where more than once checking my mail, I see the price of a coin is gone higher all of a sudden and quicker than I expected. Off to my Trade site(s) to get in on the action.

June 26th

Do you have one shot, the two shots? A vaccine record or vaccine passport? and when was your last rapid test? Could be a confusing time for some travelers if not prepared as provinces open up soon plus the Canada/US border in July maybe.

Flying? Be a good idea to get there early and check about rapid test availability. Looks like a 'same day' test requirement before boarding. I remember the line- ups in the airports. Probably be more waiting time in these.

Here in Canada, Ontario especially ... is making moves against crypto exchangers that do not comply with their requirements after Canada as a whole has been fairly quiet about any regulatory moves but that's ramping up slowly.   

Binance, the worlds largest exchanger decided not to comply with Ontario's request and I explained that on my Crypto Ventures page. Similar issue in the US but they hashed that out where wanting in on the bigger market south of the border.

June 24th

It's been a quiet week on my end with the Crypto front as Bitcoin dropped below 30 grand USD and recovered up to today, so far. Altcoins like Ether, Cardano and Litecoin saw new lows following Bitcoin's repeated drops this month. They are slow to recover after being battered once again. Tezos in comparison hasn't corrected that much and wouldn't take much for a rebound with that coin.

I'm waiting for more settling times with the crypto coins for some decent swapping for gains once again but currently there's too many twist and turns in that Market.

Meanwhile, some areas of the Stock Market has seen some new highs, opposite to the cryptos. Calming news out of the US Federal Reserve early in the week seemed to do the trick for now. 

Atlantic province travel opened yesterday and I'll soon be seeing some 'out of province' plates on the road. Hopefully a boost for a slumped tourist industry waiting to restart.

June 20th

Happy Father's Day

With schools soon finishing up for the summer and holidays, it's all about being fully vaccinated to enjoy 'no quarantine' travel outside of the Atlantic Bubble soon while the federal and provincial governments keep a close watch on the Covid situation across the land and around the world. Of most concern is keeping the stronger Delta variant out of India contained here.

Good to see restaurants open again after the recent lockdown for in-dining where Dads can get treated to a nice meal and enjoy the day.

June 19th

Inflation ... It's been the talk in the stock world for the last month with relatively nothing changed until this week, US Federal Reserve chairman, Jerome Powell said .. yes, it's heading up there and here comes the mind boggling part I find.

Fear and selling starts right away along with the possible interest rate rising a tad in a couple years time. All stuff any investor and shopper can plainly see when doing a grocery run in the local shops. Good sales at times keep things at par with the grocery bill but even that is on the low end of inflation compared to other basics like clothes, rent and the car (all higher).

Due to the Covid pandemic, transportation costs for delivering goods is sometimes higher and backed up at times. Country Tariff fees on shipments get factored in and now the latest. I don't recall this one but it has happened before.

The St. Lawrence River in Canada ... the main waterway highway for cargo is seeing low water levels. Ships have to carry less containers, etc. to navigate shallower waters and the owners of these ships then charge more for the delivery because they can't carry their regular load ... passed on to good's cost.

Eh? Good excuse as any I guess. Something like a hurricane 'may' threaten Gulf of Mexico oil platforms. Oh my ... our gas price up north here goes up almost immediately even though it's stock piled here.

Moving on to crypto and Bitcoin. With the stock indexes ending in the red on Friday from the inflation and interest rate news where a lot sell while they think about this for a bit and let it sink in over the weekend ... Bitcoin also dropped. Over the years it gets more and more attached to movements with the Stocks and Gold. But with Bitcoin lately, it doesn't take much to start a retreat in price.

June 17th

The Atlantic Provinces of Canada are looking to reboot their tourism industry with inter-province travel (no quarantine required) coming next week and I see Air Canada is coming back to service airports outside of the major hub cities in July. Hopefully we are done with 'waves' of the covid and it's variants but see what happens as travel ramps up here and across Canada.

Things looked upbeat for a day this past week when Bitcoin went above the 40 grand USD level once again but since then it's gone back to fluctuating below that level. Most Altcoins follow suit.

I see some countries across the Big Pond are banning crypto exchangers from holding 'pump and dump' coins spurred by social media sites where the majority lose money with these coins. Similar to Reddit's WalllStreetBets 'pumping' stocks they target. It's the new trend which continues to attract investors looking for a quick score.

June 11th

Regulations. More are coming down the pipe every week lately on the crypto world. Lot of articles out of the US recently on laws in draft/revision on how crypto is to be run in the country focusing on Bitcoin. The latest is with the trillion dollar De-Fi market where regulators say is most likely illegal where not on registered platforms. See what comes with that in the future, which will probably be about getting licensed to operate in the US.

Meanwhile, the state of Texas has allowed Banks to deal in crypto while the White House mulls over their view on it all, which is expected to come up in the current G7 summit where recent big news was about taxing Tech companies higher ... like Apple at a minimum of 15% operating outside of the US.

That's not supposed to happen! I'm sure some BTC'ers were thinking this and got spooked with sudden selling this past week when the FBI went into the blockchain system and seized crypto after tracking BTC ransom paid to hackers.

Will this evolving hi-tech approach by the FBI give more ammunition to outfits like the IRS to seize unpaid taxes down the road. A wait and see thing where the FBI seizure came out of the blue this week.

If your into Futures trading, which is risky at the best of times, the US SEC is also warning traders that crypto is highly volatile. Well, to get into Futures in the first place is a learning experience and knowing crypto moves more rapidly with higher fluctuations that most stocks on a given day, That's really nothing new. 

Meanwhile, Bitcoin .. the influencer on the majority of altcoins out there, continues to range from 32 to 40 grand these days since the latter part of May's 40% drop in price. Looking at most Altcoin charts... they have similar patterns to BTC ... up before the drop from 60 grand to new fluctuating 'lows and highs' trading ranges.

On my end, it continues to be mostly a holding pattern for now while I shift more concentration on dividend paying stocks for now. It was definitely more of a shift to crypto before the 60 grand drop when it was on a steady Bull run.

June 8th

The Montreal Canadiens continue to surprise me and their fans, sweeping the Winnipeg Jets in 4 straight games. They now move on to the finals before the Stanley Cup round, which will mean cross-border travel into the US that the Federal Government has allowed with conditions I imagine.

Despite positive news articles for Bitcoin, the negative posts continue to over shadow and cause a lot of selling at times, while those against the coin punctuate on the negative with their opinions causing fear. The yo-yo effect between greed and fear will have their place in the stock and crypto worlds.

Just another episode to wait and see where Bitcoin bottoms out and more buying takes over at the 'low' once again.

June 6th

It's early June but I can imagine a lot of folks in Atlantic Canada are looking forward to July 1st, or Canada Day when travel restrictions within the Atlantic Provinces are scheduled to be dropped. That all depends on keeping the covid cases down and getting more folks vaccinated. July 15th is a tentative date to open to the rest of Canada although still a big problem in hot zones within Quebec, Ontario and out west but things look more positive for travel and business than it has in a long time.

June 5th

Trends are always changing and now with social media such as Twitter and Reddit having more influence than ever before on the crypto world plus breaking new ground with a few stocks in the stock market world that's making headlines with pump and dump strategies. Sort of the individual person or retail investor they are called, grouped together to take on the mega rich companies on Wall Street in the US.

With Bitcoin still the main coin that influences most 'tokens' with price swings, your average crypto Trader into patterns can harness gradual gains while watching the price of Bitcoin until ... enter a dude like Elon Musk.

When he goes on Twitter and decides to split with Bitcoin after embracing it, folks that follow those tweets sell in mass for some reason. Even though he toys with followers about selling Tesla's BTC stash worth millions and then ... nope, I ain't right now. Even if he did, that would cause a short term drop and rebound when others would pick up that sold Bitcoin, like BTC has always done since it started. All kind of nuts to me but that's the hold social media has on investing these days. 

The flip side is knowing BTC will drop after these manipulating Tweets to buy more BTC low and wait for the eventual rebound.

Then there are always folks looking to make money as 'middle people' with sites that are smartly placed between a person deciding on what coin to buy and following through with a purchase. Machine learning?

Too busy and too many chat sites to monitor ... Enter AI, or Artificial Intelligence with a new added handle these days called ... machine learning. With a subscription cost of less than a $100 a month to make it look cheaper at $99 a month, there are sites now that monitor social media posts and rank which crypto coins 'could' go up in price either quickly or gradually ... with some success I may add. Not something I would do but folks make money with them that can absorb that monthly or yearly cost with successful swaps/trading. Of course there are 'always' losses as well along the way.

Overall, It's getting to a point in Crypto, one can't ignore what's going on in social media or could be in for sudden and unexpected losses. The main social media scuttlebutt is always picked up by crypto news sources like Cointelegraph and Coindesk anyway to read and see what impact they have had, if any.

 June 2nd

In the Canadian NHL Playoffs, the Montreal Canadiens advanced to the next round which starts tonight against the much rested Winnipeg Jets. Montreal just finished a 7 game series against the Leafs on Monday night.

Looks like investors are gaining more confidence with the Bitcoin and Altcoin price levers after a brutal May while some coin values are inching up lately.

​Doge coin jumped up in price yesterday along with an Elon Musk Tweet where Coinbase has added the Doge. The latest about that on The Coinbase Blog.

May 31st

In the stock market, May is traditionally another time of the year when investors re-evaluate their holdings/portfolios with some going with the old quote 'sell in May and go away'. But May has been decent and Markets are kind of leveled off for now with all this talk of a dip coming, which usually begins to float around when things are going 'too' good with a Bull run.

In the Crypto Market, I'm sure a lot did sell and go away (at a loss probably) as Bitcoin fell in the 2nd half of the month dragging Altcoins with it, including the 2nd highest in market cap ... Ether. But as some left, others become interested as they read about a good time to ... 'buy low'.

Bitcoin has stabilized some, bouncing around in the $30,000 to $40,000 USD range. Meanwhile Ether and Altcoins have leveled off at new lows, such as Litecoin and Tezos with 'narrow' trading meaning not a big increase in price before selling brings it back down again to a steady low range.

Bitcoin continues to be heavily influenced by rehashed old news, daily international news/updates and social media causing FUD at times, a term that has come up a lot these past weeks.

fear, uncertainty and doubt

FUD means “fear, uncertainty and doubt.” Bitcoin followers advise to HODL your coins despite the FUD of those outside the community.

But, like the stock market, daily fluctuations are driven by 'fear and greed'. I think 'greed' is a bit of a harsh 'stock market' term where it happens at times but mostly it's about investors buying, looking for increased gains over time.

The 'pump and dump' of a stock or 'coin' via social media such as Twitter and Reddit is definitely about 'fear and greed'.

May 29th

Some good news although long from over, Canada's top Doc overseeing covid-19 figures there is a light at the end of the tunnel now as more folks get vaccinated. Most of Canada is preparing for or have laid out plans for reopening. Last I read, Manitoba ... Winnipeg remains a hot spot and locking down more there for now..

There's steady talk of a 'vaccine passport' as possible requirement to travel.  PEI is one province already bringing that in for the latter part of June and July where visitors and/or residents that are fully vaccinated and have proof will not be required to isolate for 14 days. That should revive their tourist industry if all goes to plan and barring no further 'waves' of covid.

In the 'Post-Musk' Twitter Bitcoin bashing that jump started a major crash in Bitcoin, some normalcy is back after an up and down week as I watched what's happening and Musk gone fairly quiet.

However, Elon Musk was having private meetings with 'Mining' firms on how to reduce power consumption, etc. again raising the hackles of the Bitcoin faithful where these meetings should be public with full disclosure. Billionaires influencing and manipulating most of the crypto market being the biggest issue this year. Risk adverse people become millionaires following them on social Media but the most lost. Be careful of the 'pump and dump' manipulators out there.

May 23rd

It's the long '24th of May' weekend here, or Victoria Day weekend. Traditionally, the kickoff for the camping and RV season here on the East Coast.

Dampers on all that this year with the Covid but I'm sure folks are making the next of it. I recall pitching a tent in Newfoundland years ago on a beauty day with fun had by all only to wake up to 6 inches of snow on the ground. Didn't have to look far for water to get the kettle going in the morning for coffee. Stog it with snow. No billion dollar bottled water industry on the go then.

Overall, it was an up and down week in the Markets, finishing Friday kind of flat. 

The crypto market however went through kind of a 'quake' but settled down the last couple of days. All sparked by various hits of bad news that influences Bitcoin more now than it has in the past. Unfortunately, there's not much warning at times when a major dip is about to start from Tweets and/or international crypto news but wise to be prepared and expect it. I just 'hold' where I'm at with the coins until the storm passes

Low 30 grand USD to 40 grand seems to be the range these days for Bitcoin. 'Buy the Dip' I'm seeing a lot but I continue to wait for now until things settle down some more.

May 19th

Hints of loosening restrictions and lockdowns is good news here in Canada while some top Doc's expect a 4th wave of the covid? I guess that could be possible 'when' borders open up and international travel ramps up. Hope not though.

I watched a Florida Panthers NHL playoff 'home' game where the stadium was full and mask-less for the most part. Also checked on how hometown lad, Sidney Crosby's Pittsburgh Penguins were doing with a partially filled stadium beating the New York Islanders last night. Seemed strange after watching 'empty stadium' Canadian teams play but cheering fans certainly liven up the game

While The Canadian TSX stock market broke another record yesterday, Crypto is going the other way for now with panic selling. Don't really get this constant selling at a loss but that's the cycle the Markets go through.

Reading the crypto news, looks like a lot of folks are making moves on wrong or twisted information spurred by social media that they take as fact. Like starting a rumour and it's passed on to buddies and their friends eventually being nothing like it started.

Meanwhile, I wait for the dust to settle and continue from there with potential Trades.

May 17th

While the US population is going maskless 'after' being vaccinated, there's no change here in Canada as the covid and variants continue to plague provinces from coast to coast. Top Docs figure restrictions will be loosened heading into summer as more folks get vaccinated. Hoping, various lockdowns will do the trick in the meantime this time of year.

On the 'hit to the wallet' side of things, oil per barrel is creeping up so the price of gas follows plus rising inflation, being more of an issue south of the border where their economy is ramping up quicker than here but we'll be on par as well soon. So far, interest rates are on hold but that could change in the months ahead. More of an issue for folks paying for overpriced homes these days on ultra low mortgage interest rates. 

Crypto, except of the odd coin that's in the green and moving up in price, is in a funk starting the week with major coins dropping in value. A Musk induced hangover or just continued short term fear causing all the selling. Probably a lot of cash going back into 'stablecoins' and currency like USD in 'Wallets" for now

When you look at the big picture ... social media with Twitter is controlling the price of Bitcoin now, which is crazy of course while a lot of buyers and sellers just wait for what Musk will Tweet next. Kind of like the near daily Trump Tweets when he was in power. Hopefully that trend will fade away soon while crypto holders lose money these days. Some will wait for a signal that Bitcoin has bottomed and buy there but it's all Twitter induced manipulation for now.

May 15th

The weather is getting warmer on the east coast and good to see those sunny 'no wind' days where the Bay here is like a mirror. Makes me think of travel but be awhile yet.

The shortened 'no fan' NHL season is over and now the Playoffs start today. Montreal Canadiens will play the Toronto Maple Leafs on Thursday, May 20th to start their series

In the short term, some crypto enthusiasts hinge on every Tweet or article about rich 'movers and shakers' like Elon Mush for example with Dogecoin. All that was kind of humorous at first with the coin's Mascot in various headliner pics and videos, such as being crown king dawg and battling King Kong but when folks plow too much money into or taking money out on his every word, that can bring on some financial pain and that ain't funny no more.

I'm sure Musk is smart enough to read up on how blockchains and Miners operate where Miner rigs consume quite a bit of power although some are converting to 'green' energy. So when he goes full bore into Bitcoin and then reverses his stance while Tweeting all this stuff is kind of nuts, causing 'short term' holders to dump Bitcoin recently.

However, that's the way crypto is moved these days ... by speculators and those stirring the 'emotions' pot like greed and fear as it matures more. Meanwhile, big business and banks continue their interest in BTC while more government regulation is coming I'm sure... some good, some not so much.

May 11th

Doge to the Moon! Elon Musk is once again stirring the pot to rally Doge fans. He's going to send a Canadian minted Doge coin to the moon in one of his rockets in the future and gathering social media votes to possible sell Tesla cars for Doge in return. He is already accepting Bitcoin for his cars. Crazy stuff.

Gemini, run by the Winklevoss twins has now added Doge to their 'interest earning' plan, calculated and added daily. Never a dull moment in the crypto world and that's just about one coin of many making news.

Meanwhile, I stick to my Trading of coins I like and know. For example ... Tezos (XTZ) which has been having some decent swings of late ... ideal to take in some gains.

Interesting over time where there are folks that are dedicated to their coins and try and stick with them through thick and thin while others are what I call 'leapfroggers', looking for what coins old and new that will make money for them on a daily basis. Nothing wrong with that where I steady read about millions being made by the big spenders or people new to crypto absorbing all the risk and betting the farm plus borrowing more. Not a move I recommend but folks do it every day.

May 8th

Tomorrow is Mother's Day filled with phone calls and video chats while most areas deal with covid restrictions/lockdowns around the world, which remains an unwanted normal way of life these days. Restaurants are usually booked solid for tomorrow here but only open for takeout now. Moms in senior homes with their specific visiting schedules or in lockdown will find it the hardest I'm sure, missing family.

Stories of some folks betting the farm plus borrowing money to get in on the Crypto Dogecoin frenzy or FOMO were probably seen by Elon Musk, the so called ... Dogefather as he kind of doused water on the fire recently. Summarizing ... it comes down to being careful where it's volatile and like I always say ... don't spend money you can't afford to lose. Some have become millionaires risking it all and been lucky in these high stakes games.

Meanwhile, Bitcoin has a  'high water' or 'high tide' mark of around $58, 500 USD so far this week while millions in transactions continue as always

May 6th

We are into our 2nd week of our 2nd Covid Lockdown as case numbers continue to rise for now. Initially a target of 1 month was planned but unless the case numbers reverse soon, that could be extended. Once again, hard on non-essential small business that were forced to close plus those thinking 'travel' as summer gets closer.

​A spin-off from Litecoin ... Dogecoin or Doge continues to make the news after a steady climb in price this week but the first 'halt' happened at around peaking 0.70 and kind of stalled today at 0.60. A sign of indecision probably. See what happens next as the weekend approaches. A wicked current 72 billion market cap is behind the Dogecoin

May 4th

So far today, there's no sign of slowing down the Ether 'bull run' where the coin is heading for $3500 USD and could pass that today. Some 'Holders' that had a large stash of Ether before this run started are smiling today. For example, Ether's price on Jan 1st of this year was floating around $740 and in the last 24 hours alone, jumped in price about $400.

Meanwhile, Bitcoin fell back from yesterday's highs and dragged down some Altcoins with it. Ripe for Traders interested in the lower prices for now.

The Stock Market continues to rally and reminds me of Ether where thoughts of a minor or bigger crash 'may' happen with inflated prices for many a stock out there depending on the sector. But, when concentrating on dividend paying stocks ... an investor is not too worried about price swings when in for the long haul.

However, it's wise to keep up on the news where dividends are not guaranteed depending on the cash flow a company has ( or ETF/Fund ) and just wants to preserve it by cutting dividends and restoring at a later date.

May 2nd

It's not smart to get involved with a party or a social gathering these days in 'lockdown' Nova Scotia. Halifax Regional Police are fining people almost daily now with an expensive $2000 fine each, up from a $1000 fine where a lot of people weren't complying with the covid rules since the latest lockdown started. 17 people at one gathering last night for $34,000. Ouch!

The thing is, there may not be any police around when going to a party but those following the lockdown requirements and/or neighbors can call about it while HRP encourages that. 

Been reading and watching both the crypto and stock scene. In crypto land, Ether continues to climb in price heading for 3 grand USD while most other coins I watch are in 'narrow' trading range these days and kind of stalled along with Bitcoin that's around $56,000 currently. No doubt, Ether is a headliner right now as more bigwig financial institutions around the world are planning on using or already using their smart contract apps.