personalfinance

Listen up. Most folks stress about money constantly. It affects everything. If you're struggling, it's partly because you haven't realized that making money is a skill. You can learn it, practice it, and master it. So rewire your brain about money, 'cause that's step one to getting what you want.
And if you're ready to actually start applying what you learn? That’s where Zest comes in—we can help you turn financial understanding into action, with returns that can reach up to 24% per annum.
It's All in Your Head:
For real, "money problems" are actually psychological problems. How you see money shapes what opportunities you even spot. Most people think money's hard to make, evil, or not a skill. They're stuck in survival mode, and it limits their income. You need to level up your mindset through the Levels of Purpose: Survival, Status, Autonomy, Creativity, and Contribution.
Zest was built for those ready to break out of that survival mindset—and start building real wealth through smart, sustainable investments.
From Grinding to Getting Paid to Play:
You're probably stuck in a job – unpleasant work just for money. But there's also a career (growth in your work) and a calling (work you can't stop doing, and people pay you for it). Your ultimate goal should be to make work feel like play.
And while you explore that calling, Zest can help your money work for you in the background. Passive income buys time, and time buys freedom.
Money is Spiritual:
Work is about solving problems, and humans love solving meaningful ones. Money is a tool to solve problems and reach your potential. It's about finding your purpose and contributing to the world. Many businesses seem "unspiritual" because they're stuck in basic survival or status modes. Pursuing your calling, often through your own business, is a path to contribution.
Zest believes money should serve purpose—not the other way around. That’s why every investment is designed to help you build toward autonomy and impact.
Making Money: A Skill, Not Luck
Forget luck. Making money is a system you can understand. Here's how:
Understand yourself: Build products and market to people like you.
Solve a problem: Create digital products (courses, coaching) around problems you've personally solved.
Get an audience: Build your own audience on social media and email. It's free and powerful.
Systemize promotion: Consistently promote your products through a weekly system.
Iterate and persist: Keep testing and improving your marketing, products, and strategies. Don't stop until it works.
That’s it. Keep experimenting and don’t give up. And while you build your system, remember—Zest is here to grow your capital in the background, helping you focus on the bigger mission ahead.
#MindOverMoney #FinancialFreedom #WealthMindset #PersonalFinance #moneymindset

Buffett's "15% Rule" is an informal guideline for individual investors to prevent any single stock from dominating their portfolio and manage emotional risk.
The "15% Rule" for investment diversification attributed to Warren Buffett is not a formal, hard-and-fast rule he publicly declared, but rather a conceptual "guardrail" or a "rule of thumb" that some analysts infer from his investment behavior and philosophy on concentration versus over-diversification. It suggests that for an individual investor, no single stock or asset should make up more than approximately 15% of their total investable wealth for very long to manage emotional and financial risk.
Understanding the 15% Concept
The idea stems from several aspects of Buffett's approach:
Emotional Risk Management: The core principle is to prevent any single holding from having an outsized impact on an investor's mood, sleep, or overall financial stability. When a position grows significantly and the market is uncertain, the 15% threshold serves as an internal alarm, prompting the investor to assess if the position has become an emotional dependency rather than just an investment.
Trimming Winners: When a position, through strong performance, grows to be much larger than 15% (e.g., 25-30% of the portfolio), the "rule" suggests considering trimming some of those gains and redirecting the excess into other robust holdings or cash. This is a quiet, unexciting adjustment done over time, not a panicked sale.
Buffett's Practice vs. Advice: While Buffett himself practices high concentration in a few deeply understood businesses (Apple alone accounts for over 22% of Berkshire's equity portfolio as of late 2025), he advocates for broad diversification via low-cost S&P 500 index funds for most average investors who do not have the time or expertise to analyze individual companies in depth. He famously states that "diversification is protection against ignorance". The 15% concept bridges this gap, offering a practical way for individual investors who choose to pick individual stocks to manage their concentration risk.
A Component of Broader Strategy: This informal rule works in concert with other Buffett-esque principles, such as maintaining a cash position to capitalize on opportunities during downturns and focusing on high-quality, cash-generating businesses.
Market Uncertainty and Adjustments
During times of market uncertainty, such as the current period with high valuations (the S&P 500 Shiller CAPE ratio recently reached beyond 39, a level surpassed only once before), Buffett's firm, Berkshire Hathaway, has been a net seller of stocks for 12 straight quarters, accumulating a record cash pile. This behavior aligns with the spirit of the 15% rule by quietly reducing risk when valuations are frothy, without making dramatic pronouncements.
This approach emphasizes being "roughly safe" over being precisely right, using a simple, human-friendly guideline to avoid falling in love with a single investment and to ensure no one idea can determine one's entire financial fate.
#WarrenBuffett #InvestingTips #Diversification #RiskManagement #PersonalFinance

Un piratage massif de la plus grande plateforme de crypto-monnaie américaine a eu lieu avec la complicité des employés.
Investing.com - La bourse de crypto-monnaie Coinbase Global Inc. (NASDAQ:COIN) a annoncé il y a peu de temps, jeudi 15 mai 2025, qu'elle s'attendait à encourir des coûts allant de 180 à 400 millions de dollars à la suite d'une récente cyberattaque.
La société a confirmé que les données de compte, notamment les noms, les adresses et les adresses e-mail, avaient été volées à un petit groupe d'utilisateurs, mais que les attaquants n'avaient pas pu accéder aux informations de connexion ou aux mots de passe.
Indemnisation des victimes et confirmation d'une violation interne
« Nous rembourserons les clients qui ont été trompés en envoyant des fonds à l'attaquant », a déclaré Coinbase.
L'entreprise a expliqué que les cybercriminels ont pu mener cette attaque après avoir « soudoyé et recruté un groupe d'agents de support technique impliqués », ce qui a facilité le vol des données des utilisateurs.
Dans un article publié sur son blog officiel, Coinbase a réitéré son engagement à indemniser les clients fraudés et a annoncé une récompense pouvant aller jusqu'à 20 millions de dollars pour toute information menant à l'arrestation des attaquants.
Confirmations après des mois d'avertissements précédents
Cette confirmation officielle de Coinbase intervient trois mois après que l'enquêteur de la chaîne ZachXBT a publié des allégations selon lesquelles les utilisateurs de Coinbase ont perdu 300 millions de dollars à la suite d'escroqueries d'ingénierie sociale.
La plateforme a également déclaré que les attaquants avaient obtenu des images de cartes d'identité gouvernementales, de soldes de comptes et de données d'entreprise, mais a confirmé que les codes d'authentification à deux facteurs (2FA) et les clés privées n'avaient pas été compromis.
Mesures immédiates contre les employés impliqués
Coinbase a immédiatement licencié les employés impliqués dans le piratage, a informé les autorités américaines et internationales compétentes et a confirmé son intention d'engager des poursuites judiciaires et pénales contre les personnes impliquées.
Publicités de tiers. Il ne s'agit pas d'une offre ou d'une approbation de la part de. Vous pouvez consulter la divulgation ici ou supprimer les publicités.
Selon CoinDesk, Coinbase n'a pas encore publié de commentaire officiel sur la réclamation de perte de 300 millions de dollars de ZachXBT.
#SafeInvestingWithBinance
#tradingtechnique
#PersonalFinance
$SHIB $WIN

⚠️ C⚠️ Caution: Potential Risks of Ripple and $XRP ⚠️
Ripple holds significant influence over the total supply of $XRP , which introduces considerable risk to your investment. Through their escrow system, they have the capacity to release up to 1 billion XRP tokens each month. At the current market value, this equates to over $3 billion USD, potentially flooding the market with additional coins. Such a move could negatively impact the value of your holdings, as increased supply without sufficient demand tends to devalue assets.
This model contributes to inflation, as the continuous release of new coins into circulation can undermine the price stability of XRP. With Ripple's centralized control, they can release tokens at their discretion—whether to fund operations or other purposes—without necessarily considering the interests of smaller investors. Furthermore, since all XRP will eventually enter circulation, the risk of dilution becomes unavoidable if demand doesn't rise at a comparable rate.
💡 How to Protect Your Investment:
1. Diversify Your Portfolio: Avoid putting all your capital into a single cryptocurrency to mitigate risk.
2. Understand Your Risk Appetite: Align your investments with your personal risk tolerance and long-term goals.
3. Educate Yourself: Stay informed about market dynamics, and develop a strategy that takes volatility into account for sustained success.
Ripple’s centralized approach means they can release large quantities of XRP into the market, potentially devaluing your investment. To safeguard your financial future, ensure you have a balanced approach to crypto investing. For further details, consider researching Ripple’s escrow system through official sources and reputable cryptocurrency analysis platforms. Don’t let centralized control limit your growth—take a proactive and diversified approach to your investments. 🚀
#InvestWithCaution #RippleXRP #XRP #Cryptocurrency #PersonalFinance
aution: Potential Risks of Ripple and $XRP ⚠️

Ripple holds significant influence over the total supply of XRP, which introduces considerable risk to your investment. Through their escrow system, they have the capacity to release up to 1 billion XRP tokens each month. At the current market value, this equates to over $3 billion USD, potentially flooding the market with additional coins. Such a move could negatively impact the value of your holdings, as increased supply without sufficient demand tends to devalue assets.

This model contributes to inflation, as the continuous release of new coins into circulation can undermine the price stability of XRP. With Ripple's centralized control, they can release tokens at their discretion—whether to fund operations or other purposes—without necessarily considering the interests of smaller investors. Furthermore, since all XRP will eventually enter circulation, the risk of dilution becomes unavoidable if demand doesn't rise at a comparable rate.

💡 How to Protect Your Investment:

1. Diversify Your Portfolio: Avoid putting all your capital into a single cryptocurrency to mitigate risk.

2. Understand Your Risk Appetite: Align your investments with your personal risk tolerance and long-term goals.

3. Educate Yourself: Stay informed about market dynamics, and develop a strategy that takes volatility into account for sustained success.

Ripple’s centralized approach means they can release large quantities of XRP into the market, potentially devaluing your investment. To safeguard your financial future, ensure you have a balanced approach to crypto investing. For further details, consider researching Ripple’s escrow system through official sources and reputable cryptocurrency analysis platforms. Don’t let centralized control limit your growth—take a proactive and diversified approach to your investments. 🚀

#InvestWithCaution #RippleXRP #XRP #Cryptocurren
#PersonalFinance