All the stuff I wish people had told me before I got started

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Photo: Markus Spiske/Unsplash

I’m not writing this claiming to be some 27 year old self-made millionaire that has already retired, living off dividend incomes from my wildly diversified market beating share portfolio.

Why? Because it just isn’t true.

My job is my main source of income, I eat oats for breakfast to save money and can’t remember the last time I bought new shoes. Secondly, it isn’t relatable. I want people to read this and get something useful from it. I’m not a fan of reading investing articles written by some jumped up kid who owns three Lamborghinis. …


A step by step guide to help you grow your personal wealth

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Photo: Hello I’m Nik/Unsplash

Building wealth is hard. If it was easy everyone would be doing it and doing it well. Life forces you to make constant decisions with what you do with your money, making the trade off between spending it now on a food shop, movie ticket or taxi ride and saving it to enable some future utility like going on a dream holiday, getting yourself on the property ladder or digging yourself out of a hole if some unexpected life event happens.

With these never ending choices chipping away at your salary each month it can be hard to know exactly where your personal wealth is at, what you can afford and if your savings and investments are growing. I know because I’ve been in this exact position, with money disappearing every month and a seemingly static net worth that wasn’t going to support my future aspirations. …


Why and how I’ll be weighting my portfolio for the year ahead

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Photo by Romero Souza on Unsplash

As 2021 kicks off and people form their investment goals for the year ahead, I want to share the rationale behind five technology verticals I’ll be weighting my investments toward. My sensible hat means that these are all ETFs that I not only think are going to perform well and maximise my financial returns, but that I also believe the rationale behind each one has a broader positive impact on society as well, so it’s a win for everyone.

The usually caveat applies: this isn’t financial advice, just my musings which for the most part seem to work out pretty well. I’m also not on commission for any of these ETFs (I really really wish I was), I just genuinely believe that they’ll do well. …


And how that can help to re-wild the Earth

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Photo by Guillaume Brocker on Unsplash

The growing use of agricultural land at the expense of wilderness is having a profoundly negative impact on our ability to mitigate the impacts of client change. The accelerating clearing of land for farming is driven by a growing consumption of agricultural products, primarily as a result of an expanding and more affluent global population that wants more and better food. Technological advances have increased the calorie yield of farmlands but struggle to keep up with the world’s appetite.

This farmland has to come from somewhere, and more often than not it is at the expense of wild areas. By removing natural carbon sinks, such as forests, to expand agricultural land we are not only increasing greenhouse gas emissions (e.g. by burning woodland or introducing methane producing animals), but are also constraining the planet’s ability to regulate CO2 in the atmosphere by removing the plants that sequester it out of the air. Not to mention the general destruction of animal habitats, removal of natural flood defences and the degradation of wilderness into monotonous fields. …


My literary pursuit to create a place on our little rock spaceship

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Photo by Alfons Morales on Unsplash

Dr Seuss once wrote, “The more that you read, the more things you will know. The more that you learn, the more places you’ll go”. I like to read a lot, and a lot of the books I read are fun, interesting and more often than not vaguely informative, but every now and then a book pops up that ends up having a genuinely life changing impact…

The six books below have taken me places; their contents have helped me make decisions, redirected my interests or simply made me see every day things in a completely different light. …


I bet it’s more powerful than you think…

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Photo by Pereanu Sebastian on Unsplash

The question comes up again and again; what actually is deep learning? To understand deep learning let’s start with a simple use case to frame our explanation around. That use case is one of a self driving car.

A self driving car is an autonomous vehicle that drives itself without any human intervention. This driving is broken down into three primary activities: see, decide, act. For example I see a red light, I decide to stop, I put on the brakes. But in this case the car is doing everything on its own. So where does deep learning come into it? …


A brain dump of learnings I’ve sponged up over the last four years

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Photo by Stefan Cosma on Unsplash

Taking the leap to enterprise grade software is hard. And it’s even harder with a technology that is hitting its adolescent phase, deciding what it wants to do with its life, who it’s going to date, where it’s going to live and what it’s going to apply itself to. If it was easy, everyone would be doing it, and its difficulty is one of the reasons why blockchain is yet to hit mass adoption.

Moving to enterprise requires a change in mindset and approach from fast paced innovation environments to new priorities such as availability, usability, resilience, compliance and critical support, without losing sight of the problem it was built to solve in the first place. I’ve decided to compile and share a list of learnings from my own experience and that of a few others who have done this successfully around the world. …


Reflections on a series of articles exploring applications of blockchain to reduce the impact of climate change.

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Photo by Samuel Ferrara on Unsplash

I wrote the Blockchain vs Climate Change series of articles to achieve the following:

  1. Explore applications of DLT to reduce GHG emissions and therefore their impact on climate change
  2. Educate on the commercial and social opportunities presented by these applications
  3. Spark conversation and debate around these and adjacent ideas
  4. Inspire readers to experiment with the proposed applications to ultimately realise the described benefits

Throughout the series I have covered 15 applications where I believe blockchain has a valid value proposition that, if correctly applied, will more likely than not result in a reduction in GHG emissions in the area described. These have covered a broad range of applications across transport, power, land use, cities and industry, and I hope that as a reader you have extracted value and relevance from at least a handful of these use cases. …


Exploring applications of blockchain technology to reduce greenhouse gas emissions across industry.

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Photo by Ant Rozetsky on Unsplash

The US EPA calculated that global industry was responsible for 22% of GHG emissions in 2017. Despite total industrial GHG emissions trending gradually downwards there are still huge gains to be had, particularly through the reduction in waste and the GHG emissions generated through production, transportation and disposal of goods. This can be achieved by greater visibility of product lifecycles enabling better prediction of future supply and demand. Highly polluting industries such as chemical manufacturing must evolve over time to reduce their impact on climate change. …


Exploring applications of blockchain technology to reduce greenhouse gas emissions across buildings and cities.

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Photo by Alex Knight on Unsplash

Buildings are huge consumers of energy with elaborate lighting and climate control systems in many major cities running 24/7. Creative and efficient building design however can enable the carbon neutrality of buildings, through insulation, solar generation and the use of sustainable materials in construction, relatively easily. The following three ideas cover areas where blockchain can offer value in enabling better building design, confidence in the use of carbon-neutral building materials and integration into the broader environment to tap into city-wide efficiencies.

About

Michael Yorke

Product manager. Self-titled free thinker. Rat in the race looking for a gap in the fence.

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