Let’s continue with part 2 of the investing and diversifying your portfolio.
Next in the list is cryptocurrency also know as crypto.
4) In the cryptocurrency world Bitcoin is the king with 66% of the total market cap of cryptocurrencies. Second biggest player is of course Ethereum with 8% from there thousands other cryptocurrencies. You can buy and sell crypto in numerous websites and exchanges, including money apps like Revolut. My platform of choice for crypto is Coinbase one of the largest in the world. The way I purchase crypto is the following with 22 simple steps. Just kidding I have not counted them. The downside of Coinbase and other crypto apps are their commissions. In order to buy the convenient way it will cost a lot more than the hard way. If you purchase directly using credit/ debit card up to 4% + a margin compared to the current price of the crypto. To overcome this you can deposit money using SEPA transfers this is about 1 Euro per transfer, the money will appear in the account in about 2 business days. Next you login to https://pro.coinbase.com/ with your Coinbase account, fees here are 0.5% a lot lower than in Coinbase, and transfer money from your Coinbase wallet. Then you can buy directly from the exchange. Previously maker orders where not charged any fees at all, but this has changed now. More on maker and taker orders and how to trade using Coinbase Pro in a future post.

5) Another asset class that I have in my investment portfolio is Equity crowdfunding, in other words you buy a small piece in a new company mostly startups. The two platforms that I have used in the past is Seedrs and Crowdcube , both UK based platforms. These have many interesting companies that you may like and want to invest in them. Keep in mind that only Seedrs has a secondary market and generally do not expect any return of investment for years, if at all. Only join because you want to support a company with great products. Another way to invest in a company is directly to the company you want to support, one of them is Brewdog where you can become a shareholder of a company with great beer. If you buy share please use R096584 as a referral code. A lot of perks apply for shareholders for example free delivery for online purchases for a year and 10% off at Brewdog bars around the world(This is awesome because you can walk in a Brewdog bar like you own the place and get a nice discount as a bonus!).

6) Real Estate/ Financing crowdfunding represent opportunities where you finance Real Estate opportunities or provide working capital for companies. The first that I ever used was Housers a Spanish platform where you fund various project types for example Development Loans,Fixed Interest or Buy-to-let from Spain,Portugal and Italy. In general most project promise great returns but I believe their due diligence could be better and the advertised returns lower to match actual performances. The second that I am using is Crowdestate an Estonian platform providing investment opportunities like Mortgage-backed loans,Secured loans,working capital etc. Crowdestate only offers funding opportunities with specified length, in contrast with Housers where you can invest indefinitely in an actual apartment for example. Again due diligence in companies that Crowdestate adds to the platforms should be more intense and diligent, pun intended.

That’s all from the asset classes I have in my portfolio, of course there are numerous other platforms and opportunities but I only discuss the ones that I have used personally.

Here you can see a pie chart of how I have invested my cryptocurrency portfolio

And here is the current state.

Current Value percentages by November 2019

As you can see Bitcoin dominates as the other cryptos have lost a lot more.

If you missed Part 1 you can find it here

The current state of Europe with negative deposit rates, low inflation and high housing prices can leave a young person baffling on what to do with its money except from consuming it.
There are ways available for European citizens to invest even a small amount and get the satisfaction that your money are sitting idle in your bank account.
Let’s start from the basics :
1) Always keep an emergency fund, yes I know it sucks to have money generating no income apart from a 0,05% per year(This is real for all Greek banks, some European are already charging customers with more than 500k€ in their account ) . The emergency fund should be your total spending for the next 3-6 months, including any loan payments – debt . This means that if you get in a no income situation you have a breathing room for the next months to figure things out.

2) Next there are platforms that allow you to invest in loans issued by Loan originators across Europe and the world. I personally use Mintos.com. It offers buy back guarantee in most loans meaning that if a loan is delayed by more than 2 months the loan originator buys back the loan in full plus accrued interest. My investing strategy in Mintos is loans from European originators with buyback guarantee and 10%+ interest. This means mainly personal and car loans. I have been investing in Mintos for a little more than a year and the 10% has been pretty much consistent, compound interest starts becoming obvious very quickly. Problems can occur only in case of a loan originator paying late or defaulting. Personally only 1-2 loans from a specific originator were late. Of course you can diversify between originators. I will share my specific strategy in a later post. There are many more platforms like peerberry and fastinvest, that I have not tried as I don’t feel the need to diversify between platforms.

3) Revolut You may be wondering why a money app is third in my list, but Revolut has enabled US stock trading in their app. This means that you can exchange Euro to US Dollars and start trading. It allows fractional stocks and dividend payments. Keep in mind that EUR/USD exchange should be made Monday to Friday as Revolut offer worst rates during weekends, this is a tip also if you use it during traveling. So Revolut is offering 3 stock trades per month for the free tier,personally I feel it is enough for building up your stock portfolio. My strategy here is at the end of every month I exchange Euro to USD and load them on my investing account and split them between 3 stocks. Fractional shares let you buy exactly the percentage you need, for example you can buy 0.08 of Amazon or 0.5 Tesla stock for about 150$. In summary my future strategy here is buying stocks in new companies every month until I have at least 30-40 different stocks, after that I will continue increasing my position in them. I will share my stock research in a later post. With only 2 months of investing, as it just became available in Greece, my stock portfolio have increased in value by about 8-9% (at time of writing). I must have been lucky with my picks.

As this post is getting long enough I will split it up with a second part that will include cryptocurrency, equity crowdfunding, real estate crowdfunding and investment crowdfunding.

Here is a pie chart with the percentage that I have invested/saved by type.

And this is a pie chart with current value percentage after any gains or losses – writeoffs.

As you see my cryptocurrency percentage has fallen a lot as it is a real bear market for crypto. On the other hand Microloans A.K.A. Mintos and the US stock market is doing great thats why they are the first I included in my post.

Στα πλαίσια του έργου “Ηλεκτρονικές Υπηρεσίες για την Ανάπτυξη και τη Διάδοση του Ανοιχτού Λογισμικού” το οποίο διενεργήθηκε από το ΕΔΕΤ σε συνεργασία με την ΕΕΛ/ΛΑΚ ανέλαβα την ανάπτυξη πυλών πληρωμής για τη δημοφιλή πλατφόρμα ηλεκτρονικού εμπορίου Woocommerce

To Woocommerce είναι ένα plug-in το οποίο αναπτύσεται στηριζόμενο στο πιο δημοφιλές CMS  στο ίντερνετ αυτή τη στιγμή το WordPress.

Αναπτύχθηκαν 2 plug-in που προσφέρουν διασύνδεση για πληρωμές με χρήση καρτών ( πιστωτικών / χρεωστικών / προπληρωμένων ) για τις Τράπεζες Πειραιώς και Εθνική. Η χρήση καρτών είναι η καλύτερη λύση τόσο για τους έμπορους για την εξασφάλιση των πληρωμών τους  όσο και για τους καταναλωτές για την εξασφάλιση των αγορών τους.

Τα plug-in προσφέρονται με άδεια ΕΛΛΑΚ και ο πηγαίος κώδικας είναι διαθέσιμος στο Github.

Επίσης μπορείτε να κατεβάσετε ή να εγκαταστήσετε απευθείας στη WordPress εγκατάστασή σας από το αποθετήριο του WordPress στους παρακάτω συνδέσμους.

Εθνική Τράπεζα: National Bank of Greece Payment Gateway for Woocommerce

Τράπεζα Πειραιώς : Piraeus Bank Greece Payment Gateway for WooCommerce

Tα Plug-in χρησιμοποιούν τη μέθοδο redirect και δεν απαιτείται η ύπαρξη SSL στο site.

Έχουν δοκιμαστεί για τις εκδόσεις WP 4.+ και Woocommerce 2.3+ .

I come across a pretty annoying bug-feature in woocommerce. If someone uses Layered navigation filters and has variable products based on a specific attribute, the filtering will return all the products with the specific attribute, even if this variation is out of stock.  If someone  is selling clothes-shoes for example this is quite disturbing.

This bug is reported to Woocommerce github issue tracker here. It is rated as a won’t fix mainly because the attributes of a variable product is not directly connected with the Taxonomy Terms.

Building upon a solution from http://www.stimart.net/web/woocommerce-hide-out-of-stock-items-that-appears-using-layered-nav-filter-widget/ which is removing the products before showing in the template pages , I went deeper in the woocommerce core. This was mainly because the aforementioned solution had trouble with more advanced themes and especially with the pagination. In simple themes it worked almost perfectly.

So this is my solution.

Open file in woocommerce plugin -> includes -> class-wc-query.php

Find Function


public function layered_nav_query( $filtered_posts ) {




global $_chosen_attributes;



[php]     global $wpdb;[/php]

And after

$posts = get_posts(
‘post_type’     = > ‘product’,
‘numberposts’     = > -1,
‘post_status’     = > ‘publish’,
‘fields’         => ‘ids’,
‘no_found_rows’ => true,
‘tax_query’ => array(
‘taxonomy’     => $attribute,
‘terms’     => $value,
‘field’     => ‘term_id’



//continue fix
if ($attribute ==”pa_size”)    {
$new_ids= array();
$queryslug =”SELECT *  FROM {$wpdb->prefix}term_taxonomy as taxonomy, {$wpdb->prefix}terms as term  where taxonomy.term_id= $value and taxonomy.term_id = term.term_id ” ;
$slugr = $wpdb->get_results( $queryslug );
$slug = $slugr[0]->slug;
foreach ($posts as $post_id)
$query =”SELECT *  FROM {$wpdb->prefix}posts as posts , {$wpdb->prefix}postmeta as postmeta where posts.post_parent= $post_id  AND posts.ID = postmeta.post_id AND meta_key like ‘attribute_$attribute’  AND meta_value like ‘$slug’ ” ;
$variation_ids = $wpdb->get_results( $query );
foreach ($variation_ids as $variation_id){
$var_id = $variation_id->ID;
$query2 =”SELECT post_id  FROM {$wpdb->prefix}postmeta as postsmeta  where post_id= $var_id and meta_key like ‘_stock_status’ and meta_value like ‘instock’ ” ;
$result = $wpdb->get_results( $query2 );
//END fix


Where pa_size can be renamed to your attribute.