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Chat Folders. Your chat list can have separate tabs with specific chats for Work, School and more via Settings > Chat Folders.

To try it out, add one of the presets like Unread or Personal. You can edit them from any device to include or exclude other chats – like Unread with muted chats excluded.

You can also create custom folders with your own filters like Groups or Channels – or select individual chats to make a Work or News folder.

Folders support unlimited pins to keep your chats in any order and can be shared via link – letting coworkers and contacts add the folder and join all its chats in one tap.



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Chat Folders. Your chat list can have separate tabs with specific chats for Work, School and more via Settings > Chat Folders.

To try it out, add one of the presets like Unread or Personal. You can edit them from any device to include or exclude other chats – like Unread with muted chats excluded.

You can also create custom folders with your own filters like Groups or Channels – or select individual chats to make a Work or News folder.

Folders support unlimited pins to keep your chats in any order and can be shared via link – letting coworkers and contacts add the folder and join all its chats in one tap.

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To pay the bills, Mr. Durov is issuing investors $1 billion to $1.5 billion of company debt, with the promise of discounted equity if the company eventually goes public, the people briefed on the plans said. He has also announced plans to start selling ads in public Telegram channels as soon as later this year, as well as offering other premium services for businesses and users.

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.

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