Someone asked me to cover the difference between fungible and non-fungible tokens. I decided to do just that by explaining the differences, showing some examples of each, and sharing some potential future use cases of NFTs. The 3 main identifiers for NFTs or non-fungible tokens are: - Not interchangeable - Unique - Non-divisible The 3 main identifiers for fungible tokens are: - Interchangeable - Uniform aka not unique (they are all the same identifier) - Divisible Some common examples of NFTs are Cryptokitties or crypto domain like .eth or .crypto. Common examples of fungible tokens are BAT, 1UP, ENJ, and HYDRO. You will always find fungible and non-fungible tokens on another protocol. Most of the tokens I deal with and NFTs are on Ethereum. Fungible tokens there are listed as ERC20 tokens and NFTs follow the ERC721 standard. What’s most interesting is the potential use cases we will see in the future. I think a lot of video game assets like skins and other things you can earn will become NFTs and allow you to trade them with other players using smart contracts. We will also see supply chain tracking, copyright, and so many more use cases evolving over the next few years. A great resource that helped me learn is this great article on Medium on NFTs: https://medium.com/0xcert/fungible-vs-non-fungible-tokens-on-the-blockchain-ab4b12e0181a What are your favorite NFTs? Did this make sense and is there anything you’d like to have clarified or that you believe needs correcting? Let me know what you think about this in the comments below and don’t forget to subscribe!

The question we aim to answer is how safe and stable are stablecoins? We will be covering crypto and commodity backed stablecoins in this episode. Are stablecoins backed by cryptocurrencies or gold any better than fiat or algorithmic stablecoins? Well, the answer depends on what you want. If you are looking for something pegged to the dollar, you may have a better time with fiat backed stablecoins. If you want to stay in the realm of crypto but you want a coin that’s more stable to use for buying things, a crypto collateralized coin like DAI may be a good option for you. If you want something backed by a commodity and simply want exposure in crypto to real world assets like gold, you can invest in something like PAXG or XAUT. Crypto-Collateralized Stablecoins Like fiat collateralized stablecoins, these coins are supposed to be backed 1:1 but instead of fiat it’s by various cryptocurrencies. Sometimes, it’s just one cryptocurrency and other times it’s a pool of them. It can either be pegged to $1 still like DAI or be pegged to something else entirely like wrapped Bitcoin on Ethereum. Advantages: The main advantage of crypto-collateralized stablecoins is that they offer you exposure outside of just fiat and let you stay more within the realm of crypto. Beyond that, they also offer more options for decentralization as they may not require an entity like Tether to back their currency and can utilize a DAO like DAI. Drawbacks: More decentralization means less ability to control the funds, so they are more vulnerable to hacks. Being crypto backed means, it may also not be as reliable in a crypto bear market. Commodity-Collateralized Stablecoins Commodity-collateralized stablecoins are those that are backed by physical good commodities like gold that are held by a central entity. Like a fiat backed stablecoin, they are supposed to store the commodity and back their cryptocurrency at a 1:1 ratio. While there are some examples outside gold and it’s possible to tokenize anything, we will mainly talk about gold examples to keep things simple. https://coinmarketcap.com/alexandria/glossary/asset-backed-tokens - Coinmarket also gives an explanation of this. They can also be referred to as asset-backed tokens to simplify the term. You can find some gold examples and explanations on this from Coinmarketcap too: https://coinmarketcap.com/alexandria/glossary/gold-backed-cryptocurrency. Advantages: Gain exposure to more stable assets while staying in the crypto realm and maintain the ability to buy cheap fractional physical assets and hold them in a decentralized way. Drawbacks: You still need to trust a centralized entity to not mismanage or lie about the backing of their commodity-backed assets. You still need to rely on the underlying asset so it may not necessarily be stable in comparison to other stablecoins, but it will still ideally accurately reflect the value of that asset. There aren’t very many reliable projects that tokenize real world assets that I would be confident enough in to use instead of buying the real world asset or just holding cryptocurrency like Bitcoin. They also tend to have low liquidity and aren’t trading on many exchanges. Do you hold any crypto collateralized or commodity backed stablecoins? Do you trust that they are backed 100%? Do you trust any of these entities? Let me know what you think about this in the comments below and don’t forget to subscribe! For some examples of each check out my blogs: Hive: Publish0x: Read.Cash: *Disclaimer: This is not financial advice and is purely for entertainment purposes. What you see, hear, or read is my personal opinion, and any statements made are based on my views and should not be misconstrued as fact. My crypto portfolio may or may not be simulated* ? Support Me & Follow Me Elsewhere ? ? http://www.scottcbusiness.com Ask questions in my Telegram: https://t.me/cryptoandthings You can find all my cryptocurrency addresses on https://cointr.ee/scottcbusiness You can find all of my referral links here: https://linktr.ee/scottcbusiness

Many people have been debating buying verse renting a home and what is more financially optimal. Let’s dive into the pros and cons of both and then I will share my opinion at the end. **Video Timestamps:** *00:00 Intro 02:42 Rent Or Buy 03:30 Inflation 09:04 Renting Pros & Cons 11:45 Buying Pros & Cons 19:30 What I’m Doing 29:00 Outro* ### Important Things To Consider: Before diving into the bulk of this, it’s important to consider a few questions that may drastically impact your decision regardless of what’s more financially feasible: • Where you want to live versus where you are willing to live? • At what age do you want to own your home and or start the buying process? • Are you willing to live with roommates or to rent out part of the property? https://www.realtor.com/mortgage/tools/rent-or-buy-calculator/ This is a random tool I found to calculate the difference between the cost of buying and selling wherever you live. They found that it’s cheaper to rent any place for less than 5 years, but if you intend to stay there for more than 5 years, it will become less expensive to buy a home in the long term. ## Renting ### Pros • You don’t have to save a ridiculous amount of money for the down payment. • You can invest your money and avoid losing wealth to inflation. • You have total freedom to move and live anywhere without being tied down geographically. • You don’t have to pay for home maintenance, condominium upkeep fees, property tax, or insurance. • Getting rid of roommates or changing your living situation is much easier. • You don’t have to stress about the property, its value, or anything related to the legal and administrative side of owning a home. • Tends to be cheaper than buying within the first 5 years of living there. ### Cons • You cannot easily make modifications to the property. • You are not building equity – you are putting money into paying off someone else’s mortgage. • Lack of certainty & stability that you will keep renting after your current lease ends. • More expensive to live there after 5 years. ## Buying ### Pros • You will have your own home. This can provide a huge amount of peace and bring less stress to your life. • Ideally your real estate will appreciate a lot in value. • Your rent payments will go towards equity instead. • You can sometimes get tax benefits for owning your home, especially for first-time buyers. • It’s cheaper than renting if you intend to live there for more than 5 years. ### Cons • You need a massive amount of money saved to afford the down-payment to get a reasonable mortgage. • Housing prices are currently at all time highs. • You have to pay home owner’s insurance, home maintenance, property tax, or condominium upkeep fees. • You will pay insane amounts of interest on your mortgage aka this asset will make you lose money acting more as a liability. • Your ability to move or travel will be greatly limited, and you will have to deal with potentially bad neighbors, a bad neighorhood, etc. over time. • If you rent out part of your home or have roommates, it’s more challenging to evict tenants or change up the living situation given the landlord usually has much more legal obstacles. • Real estate is very illiquid. • You need to find the right home to buy and you need someone who wants to buy your home in order to sell. • There could be one-off events that can impact your home value and people’s willingness to buy it like natural disasters, animals on the verge of extinction living on your property, or someone dying in your home. • There are additional costs to selling and buying like inspections and realtor fees. For the rest of this including my recommendation and what I'm doing check out these links: Publish0x: https://www.publish0x.com/at-scottcbusiness/renting-vs-buying-home-ownership-xnxlklx Read.Cash: https://read.cash/@scottcbusiness/renting-vs-buying-home-ownership-fb10ca11 Are you renting or putting equity into a home? What works best at what age? What’s right for you? Let me know what you think about this in the comments below and don’t forget to subscribe! **This is a LBRY first video meaning it shows up on LBRY before it gets published anywhere else. If you’re not on LBRY, sign up and get started here: https://odysee.com/$/invite/@ScottCBusiness:4** ***Disclaimer: This is not financial advice and is purely for entertainment purposes. What you see, hear, or read is my personal opinion, and any statements made are based on my views and should not be misconstrued as fact. My crypto portfolio may or may not be simulated***

I recently had the chance to discuss Pepo with Jason Goldberg who is the founder and CEO. We got to talk about some of their new features, what Pepo is all about, how it started, and where it’s going. Check it out! Meet people sharping the crypto movement. Pepo is the best crypto user experience ever made. It’s blazing fast. Simple. Human. Pepo removes many of the icky bits that have limited crypto mass-adoption while making crypto about the people, not just the technology. It’s an app the entire movement can get behind. Pepo is so fast, so easy to use, that you’ll reimagine what’s possible with crypto. Whether you’re a crypto developer, podcaster, analyst, or blogger, there’s never been an easier way to showcase your work, earn appreciation, and connect with the community. It’s made up of short videos feeling similar to something like Snapchat or TikTok where you can collect more than just likes, you earn Pepo Coin for every like you receive running on the OST blockchain. These are some of the questions we went over: • Can you tell us a little bit about yourself? – 0:15 • What does your average day look like? – 1:56 • Can you give us a brief introduction to Pepo? – 7:47 • What problem does Pepo solve? – 10:08 • What are the next big updates for Pepo to release soon or that are in the works? – 13:56 • What measure do you have in place to prevent people from abusing the free Pepo gift for new joiners? - 16:29 • How did Pepo get its name and what was the original idea or motivation to start it? – 17:42 • Where does Pepo fit in with other existing similar projects? – 18:54 • Where do you see Pepo going in the next year? The next 5 years? – 23:36 • How does Pepo and OST work together? - 24:48 • What is the current userbase size and how well is the project growing? – 26:30 • So where can everyone go to learn more about this? – 27:26 Check out https://pepo.com/ for more information and to learn more about what they have to offer.