Author: NBTC

Robert Kiyosaki has declared the traditional 60/40 investment portfolio dead following Morgan Stanley’s adoption of a 60/20/20 allocation model. The “Rich Dad Poor Dad” author argues the conventional approach failed when President Nixon removed the dollar from the gold standard in 1971. The traditional 60/40 portfolio allocated 60% to stocks and 40% to bonds. Financial planners promoted this ratio as a path to retirement security for decades. Morgan Stanley now recommends 60/20/20, with 20% in bonds and 20% in gold. FINALLY the BS “magic wand” of Financial Planner’s….the BS of 60/40 is dead.FYI: 60/40 meant investors invest 60% in stocks…

Discontent with the two-party system is reaching a rolling boil, and several forces—from party rebranding debates to congressional feuds and billionaire-sized ambitions—are fueling talk that America may be on the edge of a new political party. America May Be on the Brink of a New Political Party A growing chorus of activists, lawmakers, and political influencers are hinting that the U.S. could see a new party emerge as early as 2026—and the motivations behind this push come from three distinct but converging fronts. Together, they paint a picture of a political environment where institutional loyalty is wearing thin and voters…

New Zealand’s government is anticipating a major shift in its national curriculum, confirming that financial literacy will become a required component for all students from Years 1 to 10 beginning in 2026. Education Minister Erica Stanford stated that the subject will be incorporated into the refreshed social sciences curriculum, with schools mandated to implement the changes by 2027. The move signals expanding concern over low exposure to financial concepts among young learners, as well as the increasing role of digital payment systems, including cryptocurrency, in everyday economic activity. Market indicators, such as the Litecoin price, which fluctuated between $81 and…

The restarted Senate is moving forward with certain crypto initiatives, but how much time is left compared to how much work is left, really? You’re reading State of Crypto, a CoinDesk newsletter looking at the intersection of cryptocurrency and government. Click here to sign up for future editions. The narrative Now that Congress is back from the government shutdown, all eyes are on how it will proceed on crypto issues. There are a few components to this: Mike Selig’s nomination to run the Commodity Futures Trading Commission, market structure legislation and other crypto matters. Why it matters Time is starting…

Bitcoin has reached a major goal. More than half of its mining now runs on clean energy. This change has brought new hope to the crypto community, and also raises one big question. Will Tesla accept Bitcoin payments again? A Clear Shift Toward Cleaner Power New research shows that over 50% of Bitcoin mining uses clean energy. This includes solar, wind, hydro and nuclear power. A few years ago, the number was much lower. Miners depended a lot on coal and other fossil fuels. But things are different now, as many mining companies have moved to areas with cheap renewable…

Berachain and the overall decentralized finance market experienced a new force over the last 24 hours, with Berachain network standing out distinctly among others. The latest industry data showed that Berachain had the most significant increase in the total value locked in the DeFi, with a massive 27.89 percent spike. TVL in the chain had increased to $271.44 million, which was way higher than the single-digit growth per day exhibited by competing networks. .@berachain is showing the strongest acceleration in DeFi activity today.Its TVL increased 27.89% over the past 24 hours, reaching $271.44M, a much sharper move than other chains,…

Cryptocurrency investment products have reached a major milestone, with year-to-date (YTD) inflows surpassing the total gains recorded in 2024. Global crypto exchange-traded products (ETPs) have attracted $48.67 billion so far this year, exceeding the full-year total for 2024, according to CoinShares head of research James Butterfill, who reported the figures in an X post on Thursday. In 2024, crypto ETPs recorded $44.2 billion in inflows, driven by a massive surge following the historic launch of spot crypto exchange-traded funds (ETFs) in the United States. The new milestone builds on record-breaking weekly inflows of $5.95 billion posted last week, with Bitcoin…

Banking giant JPMorgan Chase abruptly closed the bank accounts of Strike CEO Jack Mallers in September, resurfacing concerns about debanking practices toward crypto executives. “Last month, J.P. Morgan Chase threw me out of the bank,” the Bitcoin-focused payments firm’s CEO tweeted Sunday. “It was bizarre. My dad has been a private client there for 30+ years. Every time I asked them why, they said the same thing: ‘We aren’t allowed to tell you’.” The letter from Chase cited “concerning activity” identified during routine monitoring but provided no specific details, stating the bank is “committed to regulatory compliance and ensuring the…

U.S. entrepreneur Eric Trump has shared a sneak peek into American Bitcoin’s mining facility, which mines 2% of the Bitcoin supply daily. In a video shared on X, Eric Trump offered the crypto community a sneak peek of American Bitcoin’s mining facility, showcasing long rows of high-performance, liquid-cooled servers. He noted that the site houses roughly 35,000 of these machines, each powered by what he described as “American energy” to mine Bitcoin. Eric stated that American Bitcoin “mines about 2% of BTC’s supply daily”. This claim sparked discussion in the comments, with some clarifying that he meant the company mines…

Ethereum creator Vitalik Buterin said, “Privacy is not a feature. Privacy is hygiene,” after hackers infiltrated several U.S. banks and stole client information. Reports indicate that hackers targeted JPMorgan Chase, Citi, and Morgan Stanley during a cyberattack on mortgage technology firm SitusAMC. The breach highlighted the vulnerability of sensitive data in banks and the ease with which large systems can expose customer information. Banks face risk as stolen data exposes sensitive client records SitusAMC was the victim of a cyberattack on November 12, 2025, that exposed large amounts of sensitive corporate information, including accounting records and legal documents. In this…