Welcome to Nofinity

1. 💸 Payment for Order Flow Ban

• Neobrokers like Trade Republic and Scalable Capital can no longer receive commissions from market makers for routing customer orders.
• Consequence: Brokers must adapt their business models – Scalable Capital now runs its own trading venue, Trade Republic is preparing.
• Potential impact: Order fees may rise or the broker market could shift.

2. 🧓 Pension Increase of 4.24%

• Pension value rises from €40.79 to €42.52 gross/month per earnings point.
• Example: 40 points → from €1,632 to €1,701 gross (€69 more).
• Reason: Adjustment to general wage growth (pension level remains fixed until 2031).

3. ✈️ Air Travel Tax Reduction

• For flights up to 2,500 km: from €15.53 to €13.30 (−€2.50).
• For 2,500–6,000 km: −€6.33; longer distances: −€11.40.
• Note: Airlines may not pass on the savings to customers.

4. 🛡️ Bürgergeld becomes „New Basic Security“

• Amount unchanged in 2026 (€563 for singles).
• Tougher sanctions: Benefit cuts of 30% or total loss for violations.
• Protected assets reduced (e.g., €10,000 for ages 31–40, €20,000 for 51+).

5. ⛽ Fuel Prices May Rise

• The fuel discount (17 cents/litre less energy tax) ends in June.
• Only about 13 cents were passed on so far → prices could jump by up to 17 cents/litre.

6. 📦 Customs Fees on Chinese Orders (Temu, AliExpress)

• Duty-free threshold of €150 is abolished → flat €3 duty per product category under €150.
• Plus: import VAT and service fee (up to €7.50).
• Example: A €7 phone case could cost €14.83 in total.

7. 🏥 Minimum Wage Increase in Care Sector

• Care assistants: €16.52 (previously €16.10).
• Qualified assistants: €17.80, specialists: €21.30.
• Further increase planned for 2027.

8. 🔧 Right to Repair

• EU directive is transposed into national law.
• For devices like smartphones, washing machines, TVs, manufacturers must offer repairs for 7–10 years after sales end.
• Special rule: Repair within the 2-year warranty period extends the warranty.

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• Many variables affect extraction: pouring speed, height, laminar vs. turbulent flow, contact points, etc.
• Even seemingly consistent pouring often leads to inconsistent results.

• A device that maintains constant water flow – regardless of pouring technique.
• Consists of a water reservoir and a chamber below with a dispersion screen.
• Water accumulates and drips at a steady, predictable rate (max. ~1.5 g/s) onto the coffee bed.
• Similar to a Melodrip, but with fixed flow – no speeding up or slowing down.

• Prevents clogging: Gentle saturation reduces fines migration, improving filtration.
• Cleaner cups: The coffee bed acts as an additional filter, enhancing clarity and reducing bitterness.
• Reproducibility: One variable (pour rate) is eliminated; focus shifts to grind size and water temperature.

1. Bare kettle bloom (15 g coffee, 60 g water), then Gabby for the rest (165 g)
   • Water temperature: 88 °C → drops to ~78 °C during brew.
   • Brew time: about 3 minutes.
   • Result: 1.3 TDS, 16% extraction – preferred for light roasts, emphasizing floral and acidic notes.
2. Finer grind, same recipe
   • Extraction rises to 20.5% with 1.65 TDS.
   • More body and sweetness, but less nuance.
3. Single pour (12 g coffee, 200 g water) – to emulate cupping
   • Water temperature 83 °C, very coarse grind, well-rested coffee required.
   • Extraction approx. 17% at 1.15 TDS – very clear flavor separation.

• The Gabby Drip Master A is a tool for consistency – ideal for quality control or when you want to ditch the gooseneck kettle.
• Personal favorite: bloom with bare kettle, then use Gabby – yields the most balanced cups.
• Low extraction (around 16%) is preferred to highlight complexity and vibrancy, but higher extractions are easily achieved with a finer grind.

The case of Liz Barraza: On January 25, 2019, the 29-year-old was shot dead in front of her house in Tomball, Texas. Despite video footage and extensive investigations, the murder remains unsolved.

• Early morning: Liz is preparing a garage sale; her husband Sergio leaves for work at 6:48 AM.
• 6:47 AM: A dark Nissan Frontier (2013–2019) parks nearby; a disguised person gets out.
• Shots: After a brief conversation (Liz says a friendly

Summary follows...

This video explains how to actually build and preserve multi-generational wealth using crypto. It highlights the key differences between wealth creation and wealth preservation, offering a clear strategy.

🔍 The Four Critical Questions for Project Selection

• Real users? Does the project have active users?
• Reason to exist? Would it be missed if it disappeared?
• Demand independent of token price? Does utility remain during sideways markets?
• Value flow to the token? Is there a mechanical reason the token benefits?

Examples:

• Hyperliquid: Strong fee revenue ($419M in H1 2026), automatic buybacks. A real "cash flow" asset.
• Zcash: Minimal revenue, focused on private payments with fixed supply. Seen as "insurance against Bitcoin" (Naval Ravikant). Both pass the test of demand independent of price.

📉 Psychology and Risk Management

• Concentration over fragmentation: Holding 30 assets is like lottery tickets. Own a few strong projects.
• Drawdowns are normal: Bitcoin and Ethereum have historically dropped over 80%. Those without conviction sell at the bottom.
• Don't marry old favorites: New cycles reward new projects. Example: Cardano (ADA) never reclaimed its 2021 high, while Robinhood Chain attracted billions in volume within two months.

⚖️ Attack vs. Defense: The Right Balance

• Early stage: Higher risk for big gains (aggression).
• Later stage: More Bitcoin as a base (compressing drawdowns: from 93% to 53%). Bitcoin allocation should increase as portfolio grows.
• Take profits: No one knows the exact top. Scale out gradually.
• Never go to zero: Position size so you can't be wiped out.

🏛️ Estate & Family Planning

• Single key = single point of failure: Up to 3.8M Bitcoin are already lost. Legal structures (trusts, wills) and tax planning are essential.
• Williams Group study: 70% of wealth is gone by the second generation, 90% by the third. Main reasons: lack of communication (60%) and unprepared heirs (25%).
• History lesson: Rockefeller used trusts and preserved billions. Vanderbilt trusted judgment alone – the wealth vanished within a few generations.

Conclusion: With patience, a repeatable process, and smart structures, crypto can truly create generational wealth. Avoiding psychological pitfalls and reducing risk in time offers the best chances.

Summary follows...

Summary follows...