Money for The Rest of Us

Investment help and financial guidance for the rest of us.

  • Podcast
  • Guides
        • Asset Classes

        • A Complete Guide to Investing in I Bonds and TIPS (2025)
        • A Complete Guide to Equity REIT Investing
        • A Complete Guide to Mortgage REIT Investing
        • A Complete Guide to Investing in Gold
        • A Complete Guide To Investing In Convertible Bonds
        • Investing in Bitcoin, Oil, and Volatility ETFs
        • Carbon Investing and its Effect on Climate Change
        • Farmland Investing
        • The Opportunity and Risk of Frontier Markets
        • Investment Vehicles

        • A Complete Guide to Investment Vehicles
        • How to Invest in Closed-End Funds
        • What Are SPACs and Should You Invest in Them?
        • Money and Economics

        • A Complete Guide to Understanding and Protecting Against Inflation
        • Understanding Web3 Investing
        • Strategy

        • Why You Should Rebalance Your Portfolio
        • What Is Risk vs Uncertainty?
        • Tail Events and Tail Risk
  • Resources
        • General Resources

        • Topic Index
        • Glossary
        • Most Influential Books
        • Member Tools

        • Member - Getting Started Guide
        • Asset Allocation and Portfolio Tools
        • Current Investment Strategy Report
        • All Investment Conditions Reports
        • Strategic and Adaptive Model Portfolios
        • Member Tools and Downloads
        • Member Resources

        • Plus Premium Episodes
        • Submit A Question to the Plus Podcast
        • Member Forums
        • David’s Current Portfolio
        • David's Portfolio Trades
        • Courses

        • Investing in Closed-End Funds
  • Members
  • Join
  • Log In
You are here: Home / Archives for BlockFi

387 Plus: BlockFi Trade, I Bonds, College Savings, and Comparing Funds and ETFs

May 21, 2022 by David Stein · Updated May 27, 2022

In Plus episode 387, David explains why he closed his BlockFi Interest Account. We discuss how the level of real rates can help determine whether to buy a Series I Savings bond or a Treasury Inflation Protection Security. We consider how to invest college savings when the student is approaching the time when the funds need to be used. Finally, we look at expenses, tax efficiency, and tracking error to determine which of four S&P 500 ETFs/funds are preferred. … [Read more...]

Filed Under: Uncategorized Tagged With: BlockFi, college savings, ETFs, savings bonds, Series I savings bonds, TIPS

Portfolio Trade: Closing BlockFi Interest Account

May 19, 2022 by David Stein · Updated May 19, 2022

… [Read more...]

Filed Under: Uncategorized Tagged With: BlockFi, cryptocurrency lending, portfolio trades

387: Why Most Money Fails

May 18, 2022 by David Stein · Updated July 12, 2022

How you should approach money given most of it either collapses or loses its purchasing power due to inflation. Topics covered include: How a supposedly safe savings app collapsed, wiping out users' savingsWhy algorithmic stablecoins keep failing and why they are not black swansWhat it takes for money to be successfulHow money differs from investments Show Notes Intellabridge Power Women: Maria Eagleton, Mastercard-incubated Blockchain Company, is setting An Example For … [Read more...]

Filed Under: Podcast Tagged With: Beanstalk, BlockFi, Kash, luna, money, stablecoins, Terra, Tether

348 Plus: July Investment Conditions, How Much Cash, BlockFi Update, and Trading Philosophy

July 9, 2021 by David Stein · Updated December 16, 2021

In Plus Episode 348, we review investment conditions as of early July 2021. We consider how much cash to hold given investment conditions. We review the risks of using a cryptocurrency platform like BlockFi. Finally, we discuss what to consider when deciding to make a trade or trade at all. … [Read more...]

Filed Under: Uncategorized Tagged With: BlockFi, cash balances, cryptocurrency lending, trading

339: How To Make Money with BlockFi, Dai, and the Evolving DeFi Ecosystem

April 21, 2021 by David Stein · Updated February 2, 2022

What is decentralized finance and how it is seeking to solve the shortcomings of centralized finance. How BlockFi and MakerDAO, early entrants in the DeFi space, work. How to earn up to a 9% yield with cryptocurrency lending. Topics covered include: How centralized finance differs from decentralized finance (DeFi)What are the shortcomings of centralized finance and why decentralized finance is more inclusiveWhat are the key elements of DeFiHow Ethereum smart contracts workHow MakerDao … [Read more...]

Filed Under: Podcast Tagged With: BlockFi, centralized finance, cryptocurrency, cryptocurrency lending, DAI, DAO, decentralized autonomous organization, decentralized finance, DeFi, Ethereum, MakerDAO, rehypothecation

304: A 15% Guaranteed Return? Lending on the Fringes of Finance

July 1, 2020 by David Stein · Updated July 17, 2023

An analysis of the returns and risks of a cash advance company called DriverLoan Investor Club that promises to pay a 15% annual percentage yield. In addition, a look at different lending platform options including asset-based lending, unsecured peer-to-peer lending, and cryptocurrency lending. Jump to transcript Topics covered include DriverLoan Investor Club that promises a 15% guaranteed return U-haul Investors Club and other asset-based lending … [Read more...]

Filed Under: Podcast Tagged With: BlockFi, cryptocurrency lending, DriverLoan Investors Club, LendingClub, payday lending, peer-to-peer lending, PeerStreet, savings, stablecoins, U-Haul Investors Club

272 Plus: MLP Viability, Timber ETF and Cryptocurrency Lending Platforms

October 12, 2019 by David Stein · Updated April 29, 2021

In Plus episode 272 for the week of October 12, 2019 we look at the longer-term prospects of master limited partnerships given the energy transition, tax structure and concentration in the MLP space. We review whether the iShares Global Timber and Forestry ETF is a pure-play on timber investing. Finally, we consider why cryptocurrency lending platforms are paying 8% or more to individuals willing to lend out their cryptocurrency and is this a "safe investment." … [Read more...]

Filed Under: Uncategorized Tagged With: BlockFi, Celsius Network, cryptocurrency, cryptocurrency lending, timber, WOOD

Contact | Team | Topic Index


Darby Creek Advisors LLC
P.O. Box 68544 • Tucson, AZ • 85737

Copyright © 2025 • Disclosures, Privacy Policy, and Cookie Policy • Site by Tempora

Manage Cookie Consent

We use cookies to optimize our website, marketing, and services. 

Functional Always active
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
Preferences
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
Statistics
The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.
Manage options Manage services Manage {vendor_count} vendors Read more about these purposes
View preferences
{title} {title} {title}
Manage Cookie Consent
We use cookies to optimize our website, marketing, and services. We never sell users' data.
Functional Always active
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
Preferences
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
Statistics
The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.
Manage options Manage services Manage {vendor_count} vendors Read more about these purposes
View preferences
{title} {title} {title}