Telegramโs stand out feature is its encryption scheme that keeps messages and media secure in transit. The scheme is known as MTProto and is based on 256-bit AES encryption, RSA encryption, and Diffie-Hellman key exchange. The result of this complicated and technical-sounding jargon? A messaging service that claims to keep your data safe.Why do we say claims? When dealing with security, you always want to leave room for scrutiny, and a few cryptography experts have criticized the system. Overall, any level of encryption is better than none, but a level of discretion should always be observed with any online connected system, even Telegram.
Should You Buy Bitcoin?
In general, many financial experts support their clientsโ desire to buy cryptocurrency, but they donโt recommend it unless clients express interest. โThe biggest concern for us is if someone wants to invest in crypto and the investment they choose doesnโt do well, and then all of a sudden they canโt send their kids to college,โ says Ian Harvey, a certified financial planner (CFP) in New York City. โThen it wasnโt worth the risk.โ The speculative nature of cryptocurrency leads some planners to recommend it for clientsโ โsideโ investments. โSome call it a Vegas account,โ says Scott Hammel, a CFP in Dallas. โLetโs keep this away from our real long-term perspective, make sure it doesnโt become too large a portion of your portfolio.โ In a very real sense, Bitcoin is like a single stock, and advisors wouldnโt recommend putting a sizable part of your portfolio into any one company. At most, planners suggest putting no more than 1% to 10% into Bitcoin if youโre passionate about it. โIf it was one stock, you would never allocate any significant portion of your portfolio to it,โ Hammel says.
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