How I made more than 10% annual profit using microloans

I would like to tell you about my experience of investing in P2P lending platforms. During my studies in the EU, my fellow students introduced me to the investments in P2P lending platforms. 2019 was the year of the lowest interest rates on deposits in the EU- fluctuated around 0.5-1% per annum, and this has been around for more than 2 years.

While all of them were receiving interest rates 20 times higher than in banks. Everything got to the point that my fellow students, being EU citizens, began to take loans in banks and invest these funds in these microloans. Sounds crazy, but it works for now. I decided to try.

Having invested 8K, in 18 months I received 1258 Euros of income, which amounted to about 10.5% per annum. After moving back to the United States, I discovered new opportunities with Prosper. It was a terrible experience.

On Mintos, I was not limited in the amount of investment, and most importantly, I did not have any time limits, since the vast majority of loans were microloans for a short period (up to 2 months). But in Prosper, you could invest for a period starting from 36 months, and the fee could reach up to 2%, in Mintos it is fixed at 0.85%.

In the end, I was refused because I could not show my gross income over 80.000 $ Plus. Also, there was no secondary market on Prosper where you could quickly and with a premium resell your investment. Fortunately, I still have a European SEPA bank account in Euros and continue to invest in Mintos.

Of course, the system is not perfect:

  1. You can earn more than 12% (the maximum that can be earned on the platform is 30% per annum), but then you get into loans with a rating of C- and below, and defaults can sometimes reach more than 30%. After all, the risk is all yours.
  • 2. When transferring money to a European bank from the United States, after I left the EU, I had slight difficulties.

My payment was frozen by the bank due to suspected money laundering. I had to submit documents on the origin of money through the Bank of America, and explain why, being in the USA and being a US citizen, I transfer money to a European bank, and for what purposes it will be used. It is good that they did not demand to obtain a license for investment activities.

  • 3. When converting from Dollars to Euros and from Euros to Dollars, you have to lose up to 4%.

From now on, I intend to increase my investment to 20K dollars, I will continue to invest in Mintos, and also try a new platform that uses crypt and promises interest rates two times higher than the European one. I will try to write monthly reports. If someone has a similar investing experience – let’s share.

NUMEROLOGY: Elements of Number Theory (VIDEO)

I remember when I was young and first learned about prime numbers. I thought, how many of them are there? I asked my teacher and he said they go on forever and pointed to the following famous proof in a book:

Suppose that p1=2 < p2 = 3 < … < pr is all of the primes. Let P = p1p2…pr+1 and let p be a prime dividing P; then p can not be any of p1, p2, …, pr, otherwise p would divide the difference P-p1p2…pr=1, which is impossible. So this prime p is still another prime, and p1, p2, …, pr would not be all of the primes.

Being young, this took some effort to understand the concept expressed by the language.

It depends exactly what you mean by a “statement about the natural numbers”, but if you are satisfied by the translation as “a statement of first-order arithmetic” (i.e., a statement that can be written with equality, the operations + and × (you can throw in power, it won’t change anything) and all quantifiers ranging over the set of natural numbers), then the answer is no: every statement of first-order arithmetic that can be proved using ZFC (+GCH if you will) can, in fact, be proved in ZF.

The way this (I mean, the meta theorem I just stated) is proved is by using Gödel’s constructible universe, which is a class of sets L, definable in ZF, which is a model of ZF, in which the axiom of choice (+GCH) automatically holds; and this class L has the same set ω of natural numbers as the universe. So if you can prove something from ZFC(+GCH), it is true in L, and if it is an arithmetical statement, then it speaks about ω which is the same in L as in the universe, so the statement is true in the universe.

Learn Python from beginning to advance

I’m gonna tell you “How I started learning python and become a Pro from a Noob”. Along with this, I will also tell you Career opportunities as a fresher in Python.

My Learning Journey: I want to learn Python for free so I have to Build a daily learning habit (4 hours per day) even utilize my weekends. My master plan was setting goals and hunt them. I have set 7 goals for 7 weeks!

My 1st Week Goal – (Python basics) As a beginner, our first-week goal should be- Get familiar with Python Basics like variables, conditionals, list, loop, function. (Be Curious and Explore things that you can do with Python). As I want to learn python for free so I started digging on the internet and luckily found a Python cheat-sheet that helped me a lot. Here is the link – Python Cheat Sheet thank me later :p

2nd Week Goal – (Sharp my coding skills) Solve 100+ coding problems. Reverse string, palindrome, GCD, merge sorted array, If-then-else statement, loops, functions, and python packages problems. “The more you struggle, the better developer you will become”.

3rd Week Goal- (Learn Data structure and Algorithms) Upgrade your skills and knowledge and Learn basics like Stack, Queue, Tuples, Tree, Dictionary, Linked List, Search (Linear and Binary search), Recursive function (factorial, Fibonacci series), Sort (Bubble sort, Selection Sort), and Time Complexity (Linear, Quadratic, and Constant).

4th (Explore Python Libraries) The reason why Python is so popular among developers is because of its amazing libraries that users can work with. Some most common libraries that you can use are Numpy, Scipy, Scikit-learn, Theano, TensorFlow, Keras, PyTorch, and Pandas.

  • OpenCV, a Computer Vision library, gives you the power of image manipulation! Pretty cool, eh?
    • SimpleCV, another CV library, essentially a subset of OpenCV, but has a much lower learning curve.
    • PyGame, a game development library, lets you make cool games.

5th Week Goal – (Learn Python framework) You must learn at least 3 popular frameworks. Read framework documentation, find video tutorials on youtube. Must start with Numpy, Django, pandas, and Scrapy.

  • Django- a web-application framework. from here you can Learn Django.
  • Flask (A Python Microframework), another popular web-application framework, a little more down-to-earth (and thus more flexible) approach to web app development

6th Week Goal – (Work on Python Projects) It’s the most important thing. Here you have to test and apply your knowledge. In 6th week, all you need to do is work on at least 3 python projects.

7th Week Goal – (Python Interview practice) Congratulations! Now you have what it takes to apply for any software engineering job in any tech company in the whole world. Now work on your soft skills and practice interview questions as many as possible.

Yeah! that’s my journey and it will definitely help you if you will do the same.

Now talking about Career Opportunities as a Freshers in Python  Here are the most common jobs for Python developers, their respective Pay scales and top companies using python:-

  • -Software Engineer – $103,035/yr
  • -Sr. Software Engineer – $129,328/yr
  • -DevOps Engineer – $115,666/yr
  • -Data Scientist – $117,345/yr
  • -Sr. Data Scientist – $136,633/yr

I hope this Helps!!

SCIENCE: Observation and measurement in quantum mechanics are dead?

Decoherence doesn’t require a human knowing about it. Spacetime represents our reality and converts virtual quantum information to physical/real objects.

Observation/Measurement is dead. Spacetime determines if a quantum wave should be physical for our reality. Spacetime governs our reality, by handing out physical states. Time dilation demonstrates spacetime scaling reality.

The flight/path/state of a particle/wave is known before starting. If a spacetime object (detector) causes the particle to decohere but continue moving to a final panel, the particle/wave is given a physical state from the start. If the particle/wave is to pass two detectors before the final panel, the particle/wave starts as a wave ..the physical state is taken from it.

Are unobserved matter waves, virtual mass in a 4D format – without time (don’t age/decay)? When it is given time it becomes physical in 3D and the 4D is used for time? The temporal dimension is where the fabric of spacetime originates, anything there is 4D by default. It isn’t spatial but mass can live there as quantum waves ..virtual.

A physical state turns a wave physical before it starts moving. It won’t be a wave during its flight.

4D virtual mass is unobservable. A physical state from spacetime is transforming the 4D to 3D + time.

Dark matter is unobservable, but also doesn’t have the ability to be given a physical state.

Does observation/spacetime swap quantum waves by giving it a physical state and a timeline? The wave function can propagate, but the wave doesn’t age until given a physical state.

Does this explain why we can never see quantum waves ..they are 4D?​

There is no reason for giving “observed” vs “unobserved” particles any special properties. At most a measurement can make the wave function for the position more narrow which seems more particle-like. At the end of the day it’s always described by a wave function. Wave- particle duality is a relic from a time where we were initially trying to understand QM.

Dark matter is observable through gravity. Otherwise we wouldn’t have observed it. I know that’s a tautology, but it seems it needs to be pointed out.

Sure there is, unobserved particles can tunnel, entangle, and be in superposition.

Dark Matter is not directly observable, you aren’t going to see a particle of it.

“Unobserved” / “observed” is not a well-defined property of a wave function. You cannot tell whether something was observed or not observed. Observation simply changes the state of a system to an eigenstate of some observable, which is just another state.

​Decoherence is the difference between observed and unobserved​

There’s no way to make a measurement so a particle is literally at one point, hence they are always in superposition over positions. It’s just a matter of how spread out.

And even if we did accept there was such a difference, the particle would be in this “observed” state for literally a point in time and go back to being unobserved. It wouldn’t make sense.

Observed particles are not in superposition (they are not in a state that is considered quantum weirdness), they have uncertainty because the quantum field still has an influence on it.

The observed state lasts from point a to b. It’s given a timeline. If it hits an object too large to be influenced by the quantum field it remains observed as it is part of that object now.

Einstein failed at a unified theory because he refused to believe anything could be without a physical state from spacetime.

COSMOLOGY: With over 1e83 atoms in the universe, how much of the universe can be remembered?

I’ve often thought that the universe itself is incapable of storing a perfect memory of anything more than a tiny percentage of its contents–some laughably small fraction of its whole. Even with an amazingly efficient system, how much information could really be stored about what’s transpired in the past?

By this I mean: I’d like to know, for example, which oceans the molecule of water in my glass has been immersed in, which algae used it as part of their metabolic processes, which comet deposited it onto the proto earth, which nuclear furnace generated the oxygen that went into its formation, etc.

I’d like to know this for as much of the universe as possible, in as much detail as possible. How much of the universe would be required, and how much information could you store?

Here are my thoughts on how to solve this. Considering:

  • There are some 1e83 atoms in the universe. Describing an atom at a macro level would mean you’d need to store its position and velocity over time, integrated into arbitrarily small time units, or perhaps only recording the changes in velocity when it accelerates (but even then you’d be discarding true information regarding its precise movements from heat and possibly inscrutable stochastic processes if it could even be attained at that scale without destructively altering the atom as it goes about its normal business).

    The atom itself isn’t even atomic, as there are quarks and other strange particles, but you get the idea of “atom” for the thought experiment.

  • You’d need some multiplicand of atoms to describe this information–very likely already requiring a few orders of magnitude of atoms per recorded atom.

    This would be a reading and writing mechanism, again a few orders of magnitude per atom that somehow encodes information about the ones you’re observing. (I.e., computer memory requires some 1e25 atoms (500g of silicon) to manipulate 8e12 bits of information (1 TB)–criminally inefficient.)

  • You’d need motive forces that would be so inclined as to construct this system, themselves constituting overhead rather than a storage mechanism. E.g., powerful creatures with space thumbs.
  • You’d need to have constructed the system in such a way that it could transmit or collate that information despite the inflation and entropy of the universe, and be willing to discard or localize data (locally accessible but inaccessible from other parts of the universe) that simply couldn’t overcome time horizons.
  • You’d need a non-destructive or at least not particularly invasive method of recording the state of each atom even when squeezed in among siblings (and we’ll assume such a thing is possible, although it almost certainly isn’t)
  • In a Gödel-esque puzzle, as I vaguely understand the term from GEB, the system itself would necessarily fail to encode information about its own history

Thus in the best-case scenario, you’re talking about an encoding inefficiency that necessitates only being able to record the state of some smaller subsection of the rest of the universe, and that would require the entire rest of the universe being dedicated to that task, which is presumably unlikely.

Story of a chronic marijuana smoker

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I’ve been a chronic daily smoker on and off for the best part of 15 years. Semi-successfully given up plenty of times, only to slide back into it as soon as the chance presented itself. This time is different, I’ve also given up drinking and cigarettes and slowly started adding in healthier habits and routines (lot’s of work still to go). One of the things that have helped me a lot is a really simple App called “Habits” where you can tick each day completing the action of a new habit off.

My first “Habit” was Tree Free, I then added No alcohol and cigarettes a week later. This week I’ve added “read a book” and “Exercise”. Once I’ve got a few weeks of these nailed I’ll add a sleep routine and “Write something”. The first two weeks have been a real struggle and a case of not doing my three core vices at all costs, not socializing, struggling to get out of bed, mood swings terrible sleep, etc.

I still miss it greatly and have to battle not to relapse but am starting to gain some of the benefits, financially, emotionally and physically. I’m less depressed and anxious but with a wider range of emotions. The area I’ve really struggled with is the loss of friendships and social isolation that cutting out this huge part of my life has caused, but I plan to change this through new hobbies, just difficult as I’m the guy who gets naturally connects with stoners and usually found sober types a bit boring.

Anyway, for those still sober this decade, keep it up, it’s a streak that you won’t be able to start for over 9 years and when people ask it’s pretty awesome to be able to say that I stopped that last decade.

Having impossible goals (VIDEO)

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It took me about a year of not being motivated by anything to come to the realization that I have now. While I was still in a rut, playing music wasn’t fun anymore, but I was still trying to latch onto it. The thing was, I wanted to like playing, but nothing was influencing me to actually enjoy it. What I should have focused on was my mindset at the time. I quickly realized I thought I wouldn’t be that great at what I do and it killed my motivation.

It was really hard to even find 5 minutes to practice on a good day. So, in order to combat this, I decided that my goal was to be the best musician in the world. I knew that I would probably never reach this point. The important thing is that I’ll have this goal forever. Never being able to achieve it makes me want to be the closest thing to it. You don’t have to be perfect. Be the next best thing.