Robsie's Journal

Disclaimer: This article reflects my personal experiences and opinions. I am not a professional financial advisor, and any decisions you make based on this information are your own responsibility. Always do your own research and consider your risk tolerance.

Introduction

A few years ago, I decided to take a more proactive approach to my financial future. I started investing in different regions and sectors, believing that 'All World' ETFs were a safe bet. However, I soon realized that my portfolio was heavily influenced by US big tech companies, and I began to question the wisdom of this approach. This is the story of how I came to re-evaluate my investment strategy and apply some principles of Feng Shui to create a more balanced and resilient portfolio.

Real Estate: The Solution?

You think real estate might be the solution to your investment woes. Shops, businesses, or apartments seem like a safe bet, offering steady income and the potential for long-term appreciation. However, real estate also comes with its own set of risks and challenges. Natural disasters, tenants who don't pay, or changes in fashion and demand can all impact your investment. Plus, real estate can be difficult to move and cash out quickly if needed. So, while real estate can be an attractive option, it's important to consider the balance of risk, availability, and return, and to diversify your portfolio accordingly. It's not for me. Beware: The house you live in is not an investment; it's a cost. Remember the three things to avoid for financial health: The third house, the second wife, and the first boat.

My Investment Philosophy

1. Avoid Toxic Investments: I've made it a personal rule to steer clear of large-cap social media and defense industries. This isn't just an economic decision; it's an ethical one that helps me sleep better at night. Plus, it turns out it also helped me dodge some significant losses, like the Tesla stock crash in Q1/2025. For example, after 'firing' large-tech US companies from my portfolio following the Trump inauguration, I avoided losses from the Tesla stock crash.
2. Diversify: I've learned the hard way that a single political decision or natural disaster can wipe out an entire sector or region. So, I make sure my portfolio is spread across different sectors and geographic regions. Even if you believe you're investing in an 'All World' ETF, it's worth checking the composition to ensure you're not overexposed to any particular sector or region.
3. Hold Investments in Different Currencies: I've started holding my investments in a mix of local currency, USD, and crypto. This helps protect against currency fluctuations and provides some liquidity in case of emergencies. For example, I exchange part of my local currency, Mexican Pesos, to USDC, and use a crypto card to use either currency as needed.
4. Choose Investments You Understand: I've found that my best investments are the ones I truly understand and believe in. I look for long-term trends and try to avoid high-risk, high-gain schemes. Your feeling can help, as long as it's not driven by greed.
5. Mix Investment Concepts: I like to have a mix of investments that cater to my preferences, knowledge, and risk tolerance. This could include P2P platforms, crypto, and stocks.
6. Keep It Simple: Complex strategies aren't always the best. I try to keep my portfolio as simple as possible. After all, the goal is to create a positive flow, not to complicate your life.

My Current Portfolio

I believe we're on the cusp of a revolution in AI and decentralized banking (DeFi), so I've allocated more than 50% of my portfolio to crypto, AI, and blockchain technology. Besides, I invested into more traditional ETFs and P2P credits.

Here's a breakdown:

1. Crypto: I mainly hold Bitcoin (BTC) for its reserve tool qualities, but I also have small amounts of other cryptos for learning purposes and USDC for currency averaging. Remember, there's Bitcoin, and then there's sh...coin. well, you know.
2. ETFs: I hold four ETFs that I believe are well-positioned to benefit from long-term trends. I rebalance these regularly to maintain a solid growth rate with reasonable risk.
3. A Blockchain-AI ETF: Although BTC is a great saving and reserve tool, it's not really used in real-life trading because it's too slow, and many bitcoiners are 'HODLING'. Thus, crypto payment systems and platforms, based on different tokens, are rapidly evolving. In addition, new AI platforms and banking products are emerging. This ETF helps me stay exposed to these exciting developments.
4. An Asia ETF: Up to now, I've visited China twice, and I've been impressed by its fast development in many areas, such as biotech, autonomous mobility, and AI. Asian countries will increasingly challenge the “established” economies. This ETF helps me tap into this growth potential.
5. A US Mid-Cap ETF: As mentioned before, I exclude large-cap US companies because they impose risks to my portfolio and are against my philosophy of the separation of social commerce and political influencing. However, the US has a long history of ingenious entrepreneurs, and I expect them to find creative new business ideas with global impact. This ETF helps me stay exposed to these opportunities.
6. A Global Companies for Zero-Carbon Technologies ETF: The transition from oil to sustainable alternatives is ongoing. Why? Because it makes sense, ecologically and economically. People want to charge their vehicles cheaply with their own electricity. The sun heats the water for the shower without charging tariffs. And even governments might understand that local and decentralized energy production is more resilient against external threats. This ETF helps me stay exposed to this transition.
7. P2P Platforms: I borrow through P2P platforms, which operate in EUR and typically take 20% of taxes from your interest. This provides another source of stable income.

Lessons Learned

Insurance: I've learned the hard way that insurance companies don't always have your best interests at heart. After crunching the numbers, I found that my life and disability insurance had an honest interest rate of just 1%. I cancelled it (“stop loss”) and reinvested the money into P2P platforms, where I'm getting an average of over 10% interest. Remember the rule of 72: 72 divided by your interest rate equals the years your investment needs to double. If the interest rate is 1%, it will take 72 years to double your money. If the interest rate is 10%, it will take just 7 years. Instead of paying every month, I receive double that amount back in interest rates. I call this concept 'Cashflow inversion,' although perhaps it should be named 'Cashflow inversion and amplification.' Review your insurance policies and financial contracts. Are they adequately covering your risks? Will they really pay out if needed?

Conclusion

Feng Shui is all about creating harmony and balance in your environment. I've found that applying some of these principles to my investment portfolio has helped me create a more resilient, diversified strategy that's less influenced by political headwinds and more focused on long-term trends. But remember, everyone's situation is unique, so always do your own research and consider your risk tolerance and preferences for certain financial products.

Happy investing! And remember, as the saying goes, “Don't put all your eggs in one basket.” Or, in my case, don't put all your Bitcoin in one wallet.

In this article, we’ll explore how to leverage the power of Perplexity AI, along with other tools, to create a personalized MP3 collection. Whether you’re a music enthusiast or just looking to curate a playlist from your favorite radio program, this guide will walk you through the process. This procedure uses proprietary platforms; some of them you might replace with FOSS software (for example, Perplexity AI by Open WebUI). Initially, I published this protocol on Medium. Now, I migrated it here for being part of the Fediverse.

1. Finding Titles with Perplexity AI

Perplexity AI is an innovative, free, AI-powered answer engine that can help you discover music titles quickly and accurately. To start building your playlist:

1. Visit Perplexity AI.
2. Enter a prompt like Create a playlist of songs played recently in the FM4 program SLEEPLESS.
3. Perplexity AI will generate a list of songs based on recent plays from the specified program.

This method allows you to tap into AI’s vast knowledge to curate a playlist tailored to your favorite radio shows or music preferences.

2. Converting the Playlist to a Text File

Once you have your list of songs, the next step is to convert it into a text file format:

1. Use Perplexity AI again to help format your list.
2. Ask: Convert this list of songs into a text file format, one song per line.
3. Copy the formatted list into your clipboard.

This step prepares your playlist for the next phase of the process.

3. Creating a Spotify Playlist with TuneMyMusic

Now that you have a text file of your songs. Let’s transform it into a Spotify playlist:

1. Visit TuneMyMusic.
2. Select Text as your source.
3. Paste the contents.
4. Choose Spotify as your destination.

Follow the prompts to create your playlist on Spotify.

Congratulations! You now have a custom playlist on Spotify based on your AI-generated list.

4. Downloading Songs as MP3 with spotDL

To convert your Spotify playlist into MP3 files:

1. Install spotDL from GitHub.
2. Copy the share link of your Spotify playlist.
3. Open a command prompt or terminal.
4. Run the command: spotdl https://open.spotify.com/playlist/xxxx (replace xxxx with your playlist ID).

spotDL will then download the songs from YouTube and convert them to MP3 format.

5. Transferring and Enjoying Your MP3 Collection

The final step is to transfer your newly created MP3 collection:

1. Connect a USB stick or external drive to your computer.
2. Copy the downloaded MP3 files to your chosen device.
3. Safely eject the device.

Now, you can enjoy your personalized MP3 collection anywhere, anytime!

By combining the power of AI with existing music tools, you’ve created a unique and portable music collection tailored to your tastes. This method saves time and introduces you to new songs you might have missed otherwise. Happy listening!

You can send small files, such as photos and documents, conveniently as email attachments, as long as they are not too large or too many. If you send your 120 MB PhD thesis as a Word file to your professor, she might hate you; if you are lucky, the email server rejects your bloat mail before, and you just are wondering the next weeks why you don't get a response. A compressed PDF below 2 Mb might have more success. The same is true for emails with plenty of files as attachments: they can be annoying and quickly eat up precious email inbox space and network resources (well, the same is true for HTML emails, with signature images, trackers, and other 'features,' but that is a different topic).

Just remember: Email was not designed as a file-sharing program!

Several commercial platforms, such as Box, Dropbox, and Google Drive, offer file-sharing and hosting solutions. Usually, there is a free tier with limited cloud space and paid plans with more space and additional features.

NextCloud

NextCloud is a free and open source (FOSS) that you can self-host on your server. The space scales with your hardware, and you can install many additional apps, such as groupwork programs, editors, a bookmark manager, etc. In addition, you can synchronize your contacts and calendars (CardDAV and CalDAV). I've been using NextCloud for over a decade, and it has never disappointed me. I pay 5 EUR for 500 GB of server space, which is enough for my personal and professional needs. For collecting homework, I can open a directory for upload; for sending large datasets, I can share files or directories for download only; and we can also edit shared manuscripts in collaboration. I could praise NextCloud even more, but this post is about file sharing.

The following screenshot shows the dialog for sharing ~100 coffee genomes, totaling 25.4 GB.

In Thunderbird, the plugin 'cloud' enables the upload of large attachments to your NextCloud instance. Instead of the file, only the link is sent. The person receiving your mail will appreciate the small size of your message and can decide whether to download the file. With this approach, you keep large attachments separated from the email servers (saving bandwidth and disc space and improving privacy) and keep a backup on your private NextCloud. The configuration is straightforward:

Old school tools

I omit the classic methods, such as defining a download directory on your server and using command line interface (CLI) tools such as rsync (one of my favorites). They are well-documented and efficient but more suitable for nerds and server administrators who want to automate file transfers (e.g., for backups) and dislike graphical user interfaces (GUIs).

Now, I will present two peer-to-peer (P2P) solutions that don't require a server as a middleman:

Torrents

Torrent distribution efficiently shares large files by breaking them into pieces for simultaneous download from multiple peers. Popular clients include Transmission and qBittorrent, with web plugins like WebTorrent also available. Users can download via .torrent files or magnetic links containing all necessary metadata. Trackers coordinate peer communication while creating a torrent, which involves using a client's tools to specify files, tracker info, and settings. This generates a .torrent file for distribution. Torrents are useful for distributing large files such as ISO images for class exercises or non-copyrighted movies. While efficient and scalable, torrent technology raises privacy and security concerns, as the user's IP addresses are visible to peers and the files are not encrypted by default. There are also risks of malware and copyright issues. Heavy usage can lead to a high network load.

For example, this method can efficiently distribute the Linux ISO for mass spectrometry data processing MASSyPupX. The download can be initiated by simply opening the magnetic link magnetic link with a torrent client.

The screenshot shows the distribution of the ISO using the torrent: the computer with the web interface is the seeder (providing the file), and the BitTorrent client is the leecher (receiving data)

Torrent is an excellent choice for distributing large files to the public or multiple users. Besides finding torrent links on webpages or getting them passed through personal communication, you can search for torrents on search engines like LibreY.

SyncThing

However, if you want to exchange data only between a couple of devices and have higher requirements for security and privacy, SyncThing is your friend. Syncthing is an open-source, peer-to-peer file synchronization tool that allows secure file sharing across multiple devices without a central server. Unlike torrents, it offers enhanced privacy and control over shared data. Syncthing can be faster for small files or local network transfers, while torrents may be advantageous for large-scale distribution. With its end-to-end encryption and device verification, Syncthing provides superior security compared to most torrent protocols. It is an excellent choice for users prioritizing data privacy and seamless file synchronization across personal and trustful devices. The web interface allows for the registration of additional devices and the management of synchronized folders. The following screenshot shows the web interface for a computer with four peers:

SyncThing works well for transferring and synchronizing large (several GB) private files, such as patient data. But you can also set up a SynthThing-Fork folder on your Android phone and quickly upload files for mobile use, such as bus tickets or your encrypted KeePass password database.

Of course, these P2P transfers will fail if no files providing peer is online. You can mitigate this risk by synchronizing to an always-on server. However, you need additional resources and more precautions to secure your privacy for such a setup.

Good luck with your private file transfers!

How many web searches do you perform every day? 10, 50, 100? Which search engine are you using? Are you logged in, for example, to your Google account, when you are searching? Is your browser preventing your identification by fingerprinting, and are you using a VPN to hide your location?

You should know that commercial web search providers probably get more information from your search input than you get back as results. Additionally, if you use a search as an identified user, the results might already be adjusted to your shopping interests, political views, etc. At the end of the day, they live from selling your data (Surprise!). What can you do?

Of course, you should use a privacy-oriented browser and a VPN. I mainly use the browsers Firefox and Brave for different purposes, and the Surfshark VPN.

However, the weak point is often the search engine. If you're still using Google search, even worse, logged in with your profile, nobody can help you. At the very least, you should switch your default search engine to, for example, DuckDuckGo. It helps hide your identity and prevent tracking. Furthermore, you can search with a scope, e.g., “!gsc famous professor” will search for the famous professor's content in Google Scholar (https://scholar.google.com/).

If you're even more paranoid, you can use a self-hosted web search engine. For my own and community use, I'm hosting two web search engines:

1. The first, https://librey.nube-gran.de/, is a LibreY instance, which gives you results from Brave Search, DuckDuckGo, Ecosia, Google, Mojeek, and Yandex Search. Additionally, you can search for images, videos, torrents, and maps. You can also connect with a Tor-compatible browser such as the Tor Browser or Brave using the address http://2ceiaa37hsmmk3japczvc4b6wnralj64qpf7ywfheircq3ht3rwus6ad.onion/.
2. The second search engine I'm self-hosting is a YaCy instance at https://yacy.nube-gran.de. YaCy is a peer-to-peer (P2P) search and a web crawler, i.e., the instance can index pages that might be less interesting to commercial crawlers and web searches. . Since YaCy instances connect, a distributed search index is available for P2P searches. You can see the integration of my instance in the YaCy network at https://yacy.nube-gran.de/Network.html. The name of my node is 'PRESIDENTA' in honor of the first female president of Mexico, Dr. Claudia Sheinbaum Pardo.
3. In addition, I installed SearXNG on https://search.nube-gran.de/. Like LibreY, it provides a private interface for private searches, employing external web resources and search engines. Compared to LibreY, SearXNG has more configuration options.

Good luck with your private web searches!