財政的にも、社会的にも、政治的にも、地政学的にも、歴史上最も不安定な時期に差し掛かっている今、金と銀という形で富を守ることが、経済的な存続と破滅の分かれ目となる。

米国債残高の31％が2024年に満期を迎える。したがって、来年は7兆6,000億ドルを返済しなければならない。金利の上昇により、米国は1日に20億ドルの利息を支払っている。2022年の2倍だ。
すべて順調だ！

ハッカーが数百万ドル相当のNFTを盗んだ。

デジタル猿。

もう一度読んでください。

デジタル猿の強盗だ。

私のビンゴカードにはなかった。

https://www.theblock.co/post/267963/hackers-steal-nfts-worth-millions-from-apes-to-art-blocks-in-nft-trader-exploit

Convenience and liquidity are two key factors that influence the investment decisions of many people. Convenience refers to how easy it is to access and manage your money, while liquidity refers to how quickly you can convert your assets into cash without losing value. Both convenience and liquidity can affect your financial goals, risk tolerance, and time horizon.

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- Money market funds: These are mutual funds that invest in short-term debt securities, such as treasury bills, commercial paper, and certificates of deposit. Money market funds offer a high degree of safety, stability, and liquidity, as they aim to maintain a constant net asset value (NAV) of $1 per share. You can withdraw your money at any time without penalty or fees, and you can also write checks or use debit cards from some money market funds. However, money market funds usually offer low returns compared to other investments, and they are not insured by the Federal Deposit Insurance Corporation (FDIC).

- Short-term bonds: These are debt securities that mature in one to five years. Short-term bonds typically offer higher returns than money market funds, but they also have more price fluctuations and credit risk. You can sell your short-term bonds before maturity, but you may incur capital gains or losses depending on the market conditions. You can also buy short-term bond funds, which are mutual funds that invest in a diversified portfolio of short-term bonds.

- Online savings accounts: These are bank accounts that offer higher interest rates than traditional savings accounts, as they have lower overhead costs and can pass on the savings to customers. Online savings accounts are convenient, as you can access your money anytime through online banking or mobile apps. They are also liquid, as you can transfer your money to other accounts or withdraw cash from ATMs. Online savings accounts are insured by the FDIC up to $250,000 per depositor.

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Crypto currencies are digital assets that use cryptography to secure transactions and control the creation of new units. They are decentralized, meaning that they are not issued or regulated by any central authority, such as a government or a bank. Crypto currencies have been gaining popularity in recent years, as they offer advantages such as lower transaction fees, faster settlement, anonymity, and resistance to censorship and fraud.

However, crypto currencies also face many challenges and uncertainties that may affect their future development and adoption. Some of these challenges include:

- Volatility: Crypto currencies are known for their high price fluctuations, which can make them risky and unpredictable for investors and users. The volatility is driven by factors such as supply and demand, speculation, regulation, hacking, and technical issues.

- Scalability: Crypto currencies have limited capacity to process transactions, which can result in congestion, delays, and high fees. For example, Bitcoin can only process about 7 transactions per second, compared to Visa's 24,000 transactions per second. Some solutions have been proposed to improve scalability, such as increasing the block size, implementing second-layer protocols, or creating new consensus mechanisms.

- Regulation: Crypto currencies operate in a legal gray area, as different countries have different laws and regulations regarding their use and taxation. Some countries have banned or restricted crypto currencies, while others have embraced them or are developing their own digital currencies. The lack of a clear and consistent regulatory framework can create confusion, uncertainty, and risks for crypto currency users and businesses.

- Security: Crypto currencies rely on cryptography and distributed networks to ensure their security and integrity. However, they are not immune to cyberattacks, theft, or human error. For example, hackers can exploit vulnerabilities in the software or hardware of crypto currency platforms or users, or users can lose access to their funds if they forget their passwords or lose their devices. Moreover, some crypto currencies have experienced hard forks, which are splits in the blockchain that create two incompatible versions of the currency.

Despite these challenges, crypto currencies also have many opportunities and potentials to grow and innovate in the future. Some of these opportunities include:

- Adoption: Crypto currencies have a large and growing user base, especially among younger generations, who are more tech-savvy and open to new forms of money. Crypto currencies can also reach the unbanked and underbanked populations, who lack access to traditional financial services or face high barriers to entry. Moreover, crypto currencies can enable new business models and use cases, such as peer-to-peer lending, micropayments, smart contracts, decentralized applications, and tokenization of assets.

- Innovation: Crypto currencies are constantly evolving and improving, as new technologies and solutions emerge to address the existing challenges and limitations. For example, some crypto currencies are experimenting with quantum-resistant cryptography, artificial intelligence, biometrics, oracles, interoperability, and privacy-enhancing techniques. Furthermore, crypto currencies can foster innovation in other sectors and industries, such as energy, healthcare, education, gaming, art, and social media.

- Impact: Crypto currencies can have a positive impact on society and the environment by promoting financial inclusion, empowerment, transparency, democracy, and social good. For example, crypto currencies can help reduce poverty and inequality by providing access to financial resources and opportunities for marginalized groups. Crypto currencies can also support humanitarian causes and social movements by facilitating donations and crowdfunding. Additionally, some crypto currencies are working to reduce their environmental footprint by adopting greener alternatives to energy-intensive mining.

In conclusion, crypto currencies are a dynamic and diverse phenomenon that have both advantages and disadvantages for their users and stakeholders. The future of crypto currencies is uncertain and depends on many factors that are difficult to predict or control. However, one thing is certain: crypto currencies are here to stay and will continue to shape the future of money and society.