Today I take a moment to celebrate the privilege of living in the United States of America. As an individual who was born in a 3rd world country (Philippines) and immigrated here at a very young age, I was afforded an incredible wealth of support from the USA’s social safety…

In the spirit of exploring web3 savings accounts via stablecoins I finally set up a ‘savings account’ on Maker (via oasis) using a DAI stablecoin. Given the fallout with algorithimic stable coins I thought it’s time to explore stablecoins collateralized by an underlying asset. Keep in mind there are 2…

I can’t help but feel a bit of deja vu as I write this newsletter. Indications of economic instability, rising consumer debt, contractions in the public and private equity markets, layoffs en-mass at tech companies small and large and…the icing on the cake? …

After a brutal 24 months in the US residential real estate markets, the dynamics between buyers and sellers are finally changing. I should know, my wife and I made a bid on a 3 bed 1 bath single family home in Pleasant Hill, California for $880,000 and we were outbid…

I think the NFT universe is at a point where we have to acknowledge some form of legitimacy. What originally started as a bunch of degens creating pixel art has turned into an arena where (in addition to pixel art): Artists can create digital content embedded with smart contracts to…

“When there is no enemy within, the enemies outside cannot hurt you” — African proverb. I have so many odd peculiarities, habits, and rituals that I do on a regular basis. The thought of picking up another ‘life tip’ at this point in my life really makes me L O…

Someone posed a question to me recently — one that I see come up on the interwebs quite a bit. “Are the gas fees required to move a token from the Ethereum mainnet to an l2 tied to the token or is it just a byproduct of Ethereum? If i…

I’m convinced as of November 2021 etherum gas prices have closed the door on all newbies who want to enter the defi space unless they’re willing to start with $$$. All most newbies can afford to do at this point is buy and hold ETH…but moving ETH to defi apps…

The rich and poor in 2 charts The US Federal Reserve publishes a quarterly report called a “Distributional Financial Account” summary which at its core shows how assets (equities, real estate, consumer goods which appreciate and value, pensions) and liabilities (consumer debt, mortgages, etc) are distributed by demographic attributes like…