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Ubuntu Tribe did not start as a crypto idea. It started from a clearer question: why do asset-rich regions stay cash-poor while value keeps leaving their hands? Tokenized gold opens a different path. Smaller entry points, wider access, and a way for more people to hold what has preserved...

11,005 просмотров • 3 месяцев назад •via X (Twitter)

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This scene always makes me think about what markets do once a simple asset story is no longer enough. At first people buy the thing itself. Then, at some point, that stops being exciting enough. So the market starts building layers around it. A structure. A wrapper. A more financial version of the same idea. That is why MSTR comes to mind for me here. Not because it is the same as a synthetic CDO. It obviously is not. But because the instinct feels familiar. If you believe in Bitcoin, the clean path is simple. You buy Bitcoin. If you want a more traditional route, you buy the ETF. That should be enough. But MSTR is something else entirely. It is Bitcoin, turned into a corporate vehicle, then turned into a capital markets machine, then turned into a narrative people are willing to value differently from the asset underneath it. And that is where it starts feeling less like pure exposure and more like financial engineering built around exposure. We have seen this movie before in different forms. Markets love taking a real asset, wrapping it in a new story, and then assigning the wrapper a value that starts drifting away from the thing it actually holds. As long as that premium stays alive, the machine keeps working. More demand for the structure. More capital raised. More accumulation. Bigger story. More believers. On the way up, it all looks brilliant. That is always the seductive part. In strong markets, even very simple reflexive loops can look like genius. The real question only shows up later, when the mood changes and people start asking whether the value was in the underlying asset all along, or in the extra meaning the market temporarily assigned to the structure built around it. That is why I find this clip so relevant. It is not just a reminder of 2008. It is a reminder of a deeper market habit. People rarely stop at owning the thing. They almost always find a way to build another layer on top of it. And to me, that is the more interesting question around MSTR. Not how much more Bitcoin it can buy. But how long the market will keep rewarding the wrapper more than the thing inside it.

Mercek

14,644 просмотров • 3 месяцев назад

An angry caller confronts Dave Ramsey for calling “Infinite Banking” a scam only to walk directly into a brutal financial reality check. ​Caller: “I am calling in response to a video I saw recently that you claimed infinite banking concept was a scam and actually got quite pissed off about it. I do not agree with that, and certain points that you made in that video. And I have set up a policy for my son when he was 1 years old, he's 5 now. Has a 500 thousand dollar face value. We pay 5,373 dollars a year for 13 years, and it's paid up at that point. There's a few points that I wanted to discuss that I just didn't agree with. One of the main things was that... so you claim that the cash value dies with you, and you only get the face value paid out.” ​Dave: “That's true. That is.” ​Caller: “Well, it's not true if you reinvest the dividends back into the policy.” ​Dave: “Dividend reinvestment is not cash value. Dividend reinvestment is because you have a mutual company, and the policyholders are the owners of the company. And so the profits from the company come to the policyholder, and they use that to buy paid up additions. That is not the same as keeping your cash value. That's buying extra insurance with your overpayment.” ​Caller: “But it still works out to be having a cash value much greater than the $69,849 we put into it.” ​Dave: “But the actual cash value, not the paid up additions... the actual cash value dies with you.” ​Caller: “No, because—” ​Dave: “Yes it does. I think... oh, OK.” ​Caller: “But your death benefit is larger than your cash value, so for me, I looked at it—” ​Dave: “Because you bought more insurance! You know what a paid up addition is? A paid up addition is buying additional insurance. I understand that's why you're getting more at death. Not because you got your cash value, but because you used your policy dividends to buy additional insurance. Right? But that's different than getting your cash value. If you took those policy dividends and went and bought a term insurance policy for 100,000, well, you'd get 100,000. But that's not your cash value.” ​Caller: “Well, I have a term policy.” ​Dave: “I know, but you missed my point. You're talking about... you use the policy dividends. You use the money they send to you because you're in a mutual company to buy additional insurance.” ​Caller: “Yes, paid up additions, yeah.” ​Dave: “Yeah, if you'd buy a term policy on the side for $100,000 instead, with that same money, you would get $100,000 more than your face value. But that's not your cash value, that's additional insurance. They're different.” ​Caller: “But right... they are different. In term, you don't have cash value to borrow again.” ​Dave: “I'm aware of that. But your point was that you don't lose the cash value, and my point is 100% of the time, by definition, you lose the cash value.”

Mide

65,566 просмотров • 1 месяц назад

How Inflation Forces People to Use Houses as a Savings Vehicle Saifedean Ammous explains how inflation (which is caused by governments / banks increasing the money supply by interest credit expansion) which leads to the loss of fiat money’s value, has changed the way people think about housing. In the past, under a scarce money standard money held its value better, so people could save for the future by simply saving in gold. For example, a gold coin could sit under a mattress for years and still hold its value. You can't do that today with easily created fiat government money. Today, with inflation causing money to lose value people need to find other ways to store their wealth / purchasing power. Holding fiat cash or government interest bearing bonds means losing purchasing power in the long term, so many turn to real estate. Ammous argues that this has led people to treat houses as savings accounts, even though houses are consumer goods, not true investments. A house doesn’t produce anything; it’s something you use, like a car or a washing machine, it just lasts longer. This change is a direct result of inflation. Since money no longer holds its value, people feel forced to buy houses to protect their savings which they spent time and energy to work for and save. Instead of keeping cash in the bank, they buy a house. As inflation drives the value of money down, house prices go up in fiat terms. This creates the illusion of making money, but in reality it's an indication that the money we are forced to use by nation states is losing value every year. Ammous highlights the impact this has on young people. When someone in their 20s or 30s tries to buy a home, they’re not just competing with others their age. They’re also up against older people or investors who see houses as better options than holding cash. These investors might be dentists, architects,doctors ,or other professionals who don’t actually want to be landlords but buy homes and rent them out because it’s a way to escape inflation. This pushes house prices even higher, making it harder for young people to afford homes. Ammous also points out that treating houses as financial assets affects how they’re built. Developers prioritize profit over quality or beauty, leading to homes that lack character or durability. Houses are no longer designed as places to live and enjoy but as tools for storing wealth and beating inflation. This is a HUGE problem.

Akbar Zab

42,088 просмотров • 1 год назад