Student Research Committee

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Should You Buy Bitcoin?

In general, many financial experts support their clients’ desire to buy cryptocurrency, but they don’t recommend it unless clients express interest. “The biggest concern for us is if someone wants to invest in crypto and the investment they choose doesn’t do well, and then all of a sudden they can’t send their kids to college,” says Ian Harvey, a certified financial planner (CFP) in New York City. “Then it wasn’t worth the risk.” The speculative nature of cryptocurrency leads some planners to recommend it for clients’ “side” investments. “Some call it a Vegas account,” says Scott Hammel, a CFP in Dallas. “Let’s keep this away from our real long-term perspective, make sure it doesn’t become too large a portion of your portfolio.” In a very real sense, Bitcoin is like a single stock, and advisors wouldn’t 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 you’re passionate about it. “If it was one stock, you would never allocate any significant portion of your portfolio to it,” Hammel says.

Telegram Auto-Delete Messages in Any Chat

Some messages aren’t supposed to last forever. There are some Telegram groups and conversations where it’s best if messages are automatically deleted in a day or a week. Here’s how to auto-delete messages in any Telegram chat. You can enable the auto-delete feature on a per-chat basis. It works for both one-on-one conversations and group chats. Previously, you needed to use the Secret Chat feature to automatically delete messages after a set time. At the time of writing, you can choose to automatically delete messages after a day or a week. Telegram starts the timer once they are sent, not after they are read. This won’t affect the messages that were sent before enabling the feature.