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A Guarded Generation: How Millennials View Money And Investing (#GotBitcoin?)

The 2007-09 recession and college costs have left young adults loaded with debt and cynical about the markets. A Guarded Generation: How Millennials View Money And Investing (#GotBitcoin?)

Three months after Lehman Brothers shut its doors in September 2008, Kate McGaughey got a call from the company she worked at doing legal research on oil-and-gas leases. She was being laid off.

With no savings after only five months in her first job after college, she had to take on four part-time positions and sell her bicycle, laptop and musical instruments to keep a roof over her head. She used to joke that her liberal-arts education had gotten her a bachelor’s in unemployment.

“I was sad and angry—angry because it wasn’t just me,” says Ms. McGaughey, who lives in Los Alamos, N.M. “I had seen so many other friends move back in with their parents or selling Cutco knives or just doing work that was beneath [their] potential. I felt like the classes of 2008 and 2009 were an entire lost generation.”

Like many in her generation, Ms. McGaughey had started her working life as venerable financial institutions were failing and bringing the stock markets down with them. She came of age as the U.S. was confronting the worst joblessness since the Great Depression, and millions of Americans were losing their homes to foreclosure. As a result, more than half of millennials think their generation’s American dream has been upended, according to a survey for The Wall Street Journal conducted by MarketCast in September 2019.

A Guarded Generation: How Millennials View Money And Investing (#GotBitcoin?)

Burdened And Distrustful

The nationwide survey of 1,440 Americans across the millennial, Generation X and baby boomer generations offered surprising insights into how the millennials view money and investing, and how those views often differ markedly from previous generations.

For instance, those born between 1981 and 1996 feel more financially burdened and are more focused on the here and now than their parents and grandparents. They also are more distrustful of financial institutions and less financially literate than prior generations. In part because of financial uncertainty, many are putting off big milestones like buying homes—even while being committed to putting social values before monetary rewards when choosing investments or jobs.

More specifically, more than half of millennials surveyed feel overwhelmed by financial obligations, compared with 39% of Gen Xers and 31% of boomers. Building up an emergency fund is a focus for 60% of those between the ages of 23 and 38, compared with a little over half of both prior generations.

What’s more, half of millennials say they want to invest but have no idea where to begin, compared with 32% of Generation X and less than 20% of baby boomers. Mistrust of financial institutions runs through 37% of millennials surveyed, compared with 29% of Generation X and 22% of baby boomers.

“I know several people who lost their homes during 2008 and 2009 and others who went bankrupt,” says Timothy Hooker, a 29-year-old financial adviser from Detroit. “My mother was laid off from a big bank, and that hit home for me. Financial security is never guaranteed. It’s a continuous and evolving process.”

Mr. Hooker, who serves many clients from his generation, says millennials view investment risk very differently than their parents, wary about putting too much of their money into stocks out of concern about the next crash.

And the continuing turmoil in the stock market, driven by coronavirus fears and an oil-price crash, could add to millennials’ hesitation in entrusting their money to the market and taking on risk. The Dow Jones Industrial Average’s 11-year bull run came to an end this week and the Dow posted its biggest one-day drop since 1987. The S&P 500 and Nasdaq Composite joined the Dow in bear-market territory.

A volatile market like this can take toll on young people’s emotions, says Stoyan Panayotov, senior adviser and founder at Babylon Wealth Management. “Seeing your investments going down can be nerve-racking for both experienced and novice investors.”

Growing up during the recession years from 2007-09, when about one in six U.S. workers lost their jobs, reshaped the way many millennials think about money and investing—but in some contradictory ways. Some, like Ms. McGaughey, became very focused on building up their rainy-day funds, while others adopted a, “You only live once” attitude about spending while you can.

Pinching pennies is a common practice, with 70% of those born between 1981 and 1996 trying to find ways to save a little money every day, either for long-term savings or big expenses like travel, the survey found. However, 27% of millennials at least somewhat agree that their motto is to live in the present rather than plan for the future, reflecting a conflict between a YOLO mentality and a fear of the future.

A Guarded Generation: How Millennials View Money And Investing (#GotBitcoin?)

Emily Anderson, a 31-year-old from Memphis, Tenn., who defines herself as a “free spirit,” spent her 20s traveling, working multiple jobs and studying for a master’s in journalism in Europe.

Her temporary jobs as a freelancer or waitress never put her in a position to have savings, so she never thought about buying a house or saving for her retirement. She chose to put her money in a smaller bank, wary of the mistakes big banks made in the past.

“I don’t trust bigger institutions and things that surround capitalism,” says Ms. Anderson.

What’s Your Passion?

Causes that are important to millennials, compared with older generations.

Dashed expectations

Raised with the expectation that they could do anything they wanted if they worked hard enough, millennials instead entered a job market that offered fewer raises and opportunities than their parents had.

Those who started their careers around the recession experienced less economic growth in their first decade of work than recent generations, according to research by Deloitte. They have lower real incomes and fewer assets than previous generations at comparable ages, as well as higher levels of debt, Deloitte found.

Between 2010 and 2016, Gen Xers, baby boomers and the older silent generation all recouped some of their recession losses, while the average family headed by someone born in the 1980s fell further behind the older groups, in relative terms, according to data by the St. Louis Fed, which concluded that millennials are at risk of becoming a “lost” generation financially.

In addition to being more financially squeezed, they are more anxious than previous generations in part because the rise of social media put their lives on public display. “We had millennials who were going through financial trauma and processing that during the recession, but at the same time everybody else was putting their best foot forward on social media,” says Erika Rasure, assistant professor of business and financial services at Maryville University.

Ms. McGaughey, now 34, is in a better financial situation 12 years after losing her legal-research job in Santa Fe, but her financial decisions are still haunted by the hard times she lived through.

“I’ve become a little bit more liberal with my spending habits, but the recession has left me with a residual pinching where I tend to buy organic only when I can stack a coupon on top of the sale price,” she says.

Even if millennials have found some stability now, they are still haunted by how they started out. Despite having a stable job as a storm-water sampler for a company in Los Alamos, N.M., Ms. McGaughey says she continues to be concerned about her basic welfare and security, and is focused on paying down her student loans and building a fund to protect herself in case she loses her job again.

Ms. McGaughey and 45% of her generation expect there to be a recession in the next year, compared with 37% of baby boomers, according to a survey conducted by data-and-consulting company Kantar.

This fear, coupled with student debt estimated at $1.6 trillion, stagnant wages and rising housing costs is keeping younger investors like Gina Gauthier out of the markets.

“That whole picture of having this enormous amount of debt but also wanting to pursue the American dream of owning a home and having a family has been a difficult balance to try to find,” says Ms. Gauthier, a 33-year-old from Chicago.

Ms. Gauthier says she would love to buy stocks or funds, but for the past few years, she and her partner have focused on providing for their 1-year-old son, Charlie, while trying to repay their combined $200,000 in student debt, retire their mortgage and build an emergency fund for health-care expenses.

This leaves them with no extra cash.

“I would love to invest, but if I have $400 available to me, does it need to go toward getting rid of this student debt that is carrying 7% interest or is it going to go toward investing in something—even if it is something I really care about—but that has no guaranteed returns?” she asks.
Making a difference

That sense of meaning is central to millennials. Ms. Gauthier works as chief of staff for a venture-capital fund that invests in early-stage science and technology companies. She says the culture and purpose of a company is really important to her and is a big part of why she works in this field.

Despite not being in a position to invest, she says choosing to back a company that does good is her way of supporting impact investing, which means investing in companies that intend to contribute to measurable positive social or environmental footprints.

On an individual level, almost 70% of millennials would choose to invest in companies with positive sustainability elements even if that meant a 5% lower return on investment, the WSJ survey found.

“I think the world is at a crossroads,” says 26-year-old Austin Ritzel from Charlotte, N.C. “I truly believe that our actions will determine the future, and I think if we don’t make choices that value the environment and if we don’t address social issues like sexism, racism or xenophobia, we’re going to live in a progressively unhappier place.”

Mr. Ritzel says most of his decisions are influenced by those environmental and social concerns. He tries to consume less and takes animal welfare into account when buying food. He also scrutinizes his investment choices so the companies in his Vanguard and Robinhood portfolios are aligned with his values.

This value-driven mind-set permeates every money-related decision millennials make: from the food they eat and the clothes they wear to the experiences they choose and the companies they apply to work for.

Mr. Ritzel, who will be moving to London in September to study international political economy and wants to pursue a career in sustainable investing, says compensation for him is important but that he wouldn’t settle for an employer that “merely pays well.”

“I need a place that takes into account how its decisions and actions impact the world around it,” he says.

Millennials aren’t as willing to settle as their parents and are more focused on living a meaningful life by working fulfilling jobs, pursuing their passions, exploring the world and constantly learning to expand their minds.

The need for personal fulfillment is 3.4 times higher among them than their parents.

Life decisions

At the same time, millennials are delaying traditional life milestones, including marriage, homeownership and having children. Since the 1960s, the percentage of people aged 18-31 who are married and living in their own household has dropped by more than 50%, according to Goldman Sachs. The cohort has also helped drive the number of births in the U.S. to their lowest levels since the 1980s.

Ms. McGaughey says she doesn’t think she wants children and prefers renting over owning, as it gives her more flexibility to change cities and to experience different neighborhoods. But, like her peers, she feels a responsibility to think about the world she will leave behind to the next generations and doesn’t want to make selfish choices with her money.

“I care about my friends’ and my co-workers’ kids inheriting a world with clean water and clean air, and I am really focused on working for employers that care not just about shareholders but about their social responsibility,” says Ms. McGaughey, adding that she feels proud of being part of a company that is working toward getting the B Corp certification, which is issued by nonprofit B Lab to companies that meet certain sustainability criteria.

As she thinks about being able to invest some day, Ms. McGaughey says she would like to support companies that care about sustainability or that have a lot of women in leadership roles.

“I feel a moral obligation to put my money where my values are,” she says.

The Financial Gurus Millennials Listen To

The generation is more comfortable getting advice on social media than at established institutions. Meet the new influencers.

During a lunch break in Gloversville, N.Y., Ryan kirner made his first YouTube video. As he sat in his 1999 Honda CR-V with a busted air conditioner, he explained how an 18-year-old can build credit.

A Guarded Generation: How Millennials View Money And Investing (#GotBitcoin?)

That was October 2016. Now the 24-year-old is one of the most popular YouTubers giving financial and investing advice. Mr. Scribner’s YouTube account has more than 550,000 subscribers and counting. His videos draw up to 500,000 views a week. Mr. Scribner also has a website, InvestingSimple.com, where he reviews investment products like robo advisers and online investing services. Last year, he says he made around $500,000 from his YouTube channel and his website.

“I just captured all this pent-up demand,” he says.

Mr. Scribner’s meteoric rise underscores how many millennials are grappling with financial literacy and turning to social media for help. About 1-in-2 millennials, defined as born between 1981 and 1996, want to start investing but don’t know how to begin, according to a survey conducted in late 2019 by MarketCast.

These wannabe investors are more comfortable learning about finance online than at bricks-and-mortar banks. The WSJ survey found that 46% of millennials prefer to learn about finance on a website, while 18% prefer social media. That compares with the 25% who say they would opt to go to an in-person expert like a financial adviser.

In similar fashion, 38% of millennials say they follow financial influencers on social media to keep up to date, compared with 16% of Gen-Xers and 12% of baby boomers. And 22% of millennials say social media and blogs have shaped their outlook about money, compared with 12% of Gen-Xers and just 4% of Baby Boomers.

Still, some of the ways in which such influencers are compensated point to potentially thorny issues, including possible conflicts of interest. Compensation for some influencers, for example, can include sponsorships by the very companies whose products they recommend.

Mr. Scribner’s website includes a section titled “FTC Disclaimer” that mentions the presence of “affiliate links” on the site, which according to the site means “if you choose to make a purchase, we may receive a commission.” The disclaimer also says, “We only recommend products/services that are helpful and useful to our readers.”

Mr. Scribner, whose father is a financial adviser, says he thinks many millennials view traditional wealth managers as old-fashioned and shun them because they think it requires more financial know-how or money than they possess to enlist an adviser’s services. They prefer to use investing apps, Mr. Scribner says.

Mr. Scribner’s website includes a section titled “FTC Disclaimer” that mentions the presence of “affiliate links” on the site, which according to the site means “if you choose to make a purchase, we may receive a commission.” The disclaimer also says, “We only recommend products/services that are helpful and useful to our readers.”

Mr. Scribner, whose father is a financial adviser, says he thinks many millennials view traditional wealth managers as old-fashioned and shun them because they think it requires more financial know-how or money than they possess to enlist an adviser’s services. They prefer to use investing apps, Mr. Scribner says.

Social-media companies say millennials are talking more than ever about investing. On YouTube, monthly uploads of videos on investing increased nearly ninefold between 2013 and 2019, according to data provided by YouTube.

A spokesperson for Instagram, the Facebook -owned social-media platform popular with millennials and their younger Gen Z counterparts, says there were more than three million posts on investing in the 30 days ended Feb. 11.

One of the biggest finance-focused accounts on Instagram is @MrsDowJones, a creation of 28-year-old Haley Sacks, a self-taught investor who posts investing memes, including one that humorously compares actual earnings and adjusted earnings to a Khloe Kardashian before-and-after makeover. In one of her videos, filmed in a converted bedroom in her New York City apartment, she uses the ill-fated marriage of Tom Cruise and Katie Holmes to explain an options contract.

Her account has grown to more than 120,000 followers since launching in late 2017. She self-publishes and has her own website, mrsdowjones.com. She is working on increasing her YouTube presence and creating online courses and e-books. Ms. Sacks says she makes money through partnerships with brands, speaking engagements and her clothing line. Ms. Sacks declines to share how much money she makes from her brand.

A lot of her work is encouraging millennials to be more open about how they are saving and spending money. “Most people would rather talk about death or sex than about finance,” she says.

Another challenge, Ms. Sacks says, is helping millennials realize that finance isn’t untouchable and that they don’t necessarily need to pay someone to start investing.

“I think the best news is that it’s not that hard,” she says. “It sort of feels like we’ve all been duped into thinking that this is so difficult.”

There are Instagrammers who take a more conventional approach to teaching their followers about finance. Jessica Ghaney, a 25-year-old living in Nova Scotia, runs the Instagram page Forex Tips 101, where she posts graphics on topics like how to spot when to buy or sell currencies based on patterns in their trading results. She started the account in April 2019 and now has more than 80,000 followers.

Ms. Ghaney, a nursing-school graduate, is a self-taught trader who started her account to find like-minded investors. “Giving tips along the way just brought me closer to a whole bunch of people,” she says.

Ms. Ghaney says most of her revenue comes from her online courses on technical analysis. In less than a year, she says she has made around $97,000 from her brand. Including her personal trading and real-estate income, she says she makes around $230,000 a year.

As more millennials head to social media to learn about investing, banks are trying to cash in as well. Bank of America and Wells Fargo are among the top financial companies paying social-media influencers for endorsements, according to market-research firm SocialBakers.

The firm points to how Bank of America has worked with Instagrammer Sarah Herron to advertise its Advantage Savings account. One Instagram post features Ms. Herron clutching a dog with her boyfriend. A caption says she opened a Bank of America Advantage Savings account when she was 19, allowing her to save for milestones like starting a family. At the top of the post is a note that says the message is a “paid partnership” with the bank.

Ms. Herron declines to comment.

Chris Smith, enterprise social media executive at Bank of America, says the bank has research that suggests millennials and Gen Zers rely on influencers just as much as they do family and friends for advice.

“We partner with influencers to help educate our audiences,” he says.

San Francisco-based Wells Fargo has contracted with influencers for various campaigns, including the launch of its Propel credit card, says Jamie Moldafsky, chief marketing officer at Wells Fargo.

“The influencer should also be a customer in order to share their real-life experiences with the product,” she says.

In November, Instagrammer Leena Snoubar posted about how the Wells Fargo credit-card can earn holders rewards points for ordering food from a restaurant and streaming music.

Ms. Snoubar didn’t respond to multiple emails requesting comment.

Neither Wells Fargo nor Bank of America would say how much they pay influencers for their sponsorships.

Ms. Sacks, for her part, says in an emailed response to a question about how banks are using social media, “The #1 goal of the partnership should be integrity! If this is not a priority and millennials are swayed by influencers who don’t really know the financial product they are selling and they end up misrepresenting it or it ends up being bad—it will only further the distrust millennials have in financial institutions (stemming from the financial crisis in 2008 that shaped the job market we came into) which is exactly what we DON’T want.”

Ms. Sacks adds: “I say ‘no’ to so many products that I don’t believe in or that just aren’t up to my standard because the trust of my audience is more important than any paycheck.”

Millennials’ Passions Haven’t Affected How They Invest

Despite feeling strongly about the environment and other causes, most millennials have never heard of, or don’t fully understand, ESG investing.

Millennials may be more passionate about environmental and social-justice causes than previous generations, but those values have yet to make a significant impact on how they invest.

Accountant Katie Irwin Says She Wants To Be “Able To Understand Where And Why And What I Am Investing In.”

Part of the disconnect, according to a survey conducted in September 2019 for The Wall Street Journal by MarketCast, is that many millennials simply aren’t familiar with socially responsible investing or don’t want to commit to it until they become more financially literate.

Katie Irwin, a 33-year-old accountant who works for the state of Colorado, has been investing for three years. She says that while she cares about how her investments might impact the causes she supports, she needs to learn more about finance before she starts investing based on environmental, social or governance (ESG) criteria.

“I want to be able to understand where and why and what I am investing in,” says Ms. Irwin, who has a pension plan through her job and a target-date fund through Vanguard Group.

It is a familiar theme for many in her generation.

According to the survey, the top passion causes among millennials, defined as those born between 1981 and 1996, are climate change at 41%, followed by human rights, poverty reduction and safe work environment, each at 39%, and environment sustainability at 38%.

The same survey also found that nearly half of millennials want to start investing but don’t know where to begin, and an overwhelming 87% of millennials had never heard of ESG investing. After the concept was explained to them, 44% said they would be interested in socially responsible investments vs. roughly a quarter of Gen-Xers and baby boomers.

“With some continued confidence and education, we may see ESG funds grow among millennials as the interest is there, but the familiarity isn’t,” says Kelly Lanan, vice president for young investors at Fidelity Investments Inc. Among Fidelity’s millennial clients, none of the top 10 most popular passive mutual funds by invested assets focus on sustainability.

Drawn To Tech Stocks

Among millennials who do invest, work-sponsored 401(k) plans are the most popular financial product at 41%, the survey found, followed by individual retirement accounts at 25%. About 19% say they invest in mutual funds and exchange-traded funds, while 15% invest in individual stocks.

Nina Gunderson, a 27-year-old financial adviser at UBS in New York, began investing through a work-sponsored retirement plan. She says buying stocks in environmentally and socially progressive companies doesn’t drive her portfolio.

“I’m trying to think about investments where they provide stability, where there’s opportunity for growth” she says.

ESG investments are rarely found in 401(k) plans and IRAs, according to the American Retirement Association’s Plan Sponsor Council of America. In 2018, only 2.9% of 401(k) plans had an ESG fund in their lineup, while the group estimates that just 0.1% of total IRA plan assets were in ESG funds.

For now, the choice for many millennials is target-date funds, which grow less risky as a target date approaches. Target-date funds are the default option in many company-sponsored retirement plans.

Fidelity, which manages about $3.2 trillion, says that 58% of millennial assets in its 401(k) plans were in target-date funds at the end of 2019. Among millennials who have all of their savings in 401(k)s, the share rose to 70%.

Among millennials whose investments are self-directed, holdings skew heavily toward trendy technology companies. The top stocks they held as of the end of December were Apple Inc., Amazon.com Inc., Tesla Inc., Facebook Inc. and Microsoft Corp., according to a survey by Apex Clearing of more than 730,000 U.S. investor accounts with an average age of 31 years and 3 months. The average account held about $2,300.

While many of these companies often appear in the holdings of ESG funds, there is nothing to suggest millennials are buying them for that reason.

“It’s easy to want to invest in something that’s been up the most,” Ms. Gunderson says.

A Guarded Generation: How Millennials View Money And Investing (#GotBitcoin?)

Of the top 100 stocks held by millennial investors surveyed by Apex, 30% of holdings were in technology companies, 25% were services companies and 24% were consumer-goods firms. Bringing up the rear were utilities at 0.2%, basic materials at 1.5% and industrial goods at 3.3%. Oil giants Exxon Mobil Corp., Chevron Corp. and BP PLC also made the list.

Lucas Brito, 28, is one of these young investors who has a penchant for tech companies. He has traded Facebook stock in the past despite concerns about the company’s handling of user data, but has donated his earnings from Facebook to causes he cares about. “If they hold so much of my data and are making a profit off my data, I might as well get a cut of the pie,” Mr. Brito says.

He started trading stocks back in 2018 for fun, realizing it wasn’t so different than selling in-game credits on the popular online game “World of Warcraft.” “It’s like a virtual casino,” he says.

Mr. Brito, who works for a videogame company in Shanghai, China, says he and his fellow millennials are comfortable with tech companies because they grew up with them and understand their products. He also just thinks the sector has had exceptional growth compared with industries such as oil.

“How can you say it’s a bad investment to invest in them? All the big four grew so much in the last few years. When you compare [them] to oil, you’re sort of like, ‘Huh.’ ”
Inherited wealth

Many millennials say they have too much student debt to even think about investing. Some 34% of the millennials in the Journal survey say they have so much student-loan debt that it’s a challenge to save for the future, while another 52% “feel overwhelmed by financial burdens.”

“If you have debt, it’s literally just going to be a wash if you’re putting that into the market,” says Lauren Simmons, who at age 22 became the youngest trader and the second black woman to work on the New York Stock Exchange floor.

A Guarded Generation: How Millennials View Money And Investing (#GotBitcoin?)

Now 25, Ms. Simmons is working to launch a TV show to help young people with their finances.

“Having a conversation about millennials and investing is tricky because most of them are not in a position where they should be investing,” she says.

That situation might soon shift, however. It is estimated that millennials as a whole will inherit trillions of dollars from their parents, in what is expected to be the largest wealth transfer in history, says Danan Kirby, a 35-year-old client portfolio manager at Thornburg Investment Management in Santa Fe, N.M.

A Guarded Generation: How Millennials View Money And Investing (#GotBitcoin?)

Mr. Kirby, who has been promoting investing based on ESG for more than 10 years, believes that once millennials have more assets and become more educated about finance, they will put money into socially responsible investments. “It will transfer into investing because it’s already in the millennial’s mind-set,” Mr. Kirby says.

Thornburg’s clients, who are mostly financial advisers, are increasingly seeking to recast their practices around sustainability as they prepare for a wave of millennial clients, Mr. Kirby says. Those advisers could be well-positioned to attract the quarter of millennials in the WSJ survey who say they prefer to go to a financial expert to learn about finance.

“The industry at large needs to do a much better job communicating with millennials as a whole about investments in general. Quite specifically, sustainability,” Mr. Kirby says.

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Bitcoin Dev Reveals Multisig UI Teaser For Hardware Wallets, Full Nodes (#GotBitcoin?)

Bitcoin Price: $10K Holds For Now As 50% Of CME Futures Set To Expire (#GotBitcoin?)

Bitcoin Realized Market Cap Hits $100 Billion For The First Time (#GotBitcoin?)

Stablecoins Begin To Look Beyond The Dollar (#GotBitcoin?)

Bank Of England Governor: Libra-Like Currency Could Replace US Dollar (#GotBitcoin?)

Binance Reveals ‘Venus’ — Its Own Project To Rival Facebook’s Libra (#GotBitcoin?)

The Real Benefits Of Blockchain Are Here. They’re Being Ignored (#GotBitcoin?)

CommBank Develops Blockchain Market To Boost Biodiversity (#GotBitcoin?)

SEC Approves Blockchain Tech Startup Securitize To Record Stock Transfers (#GotBitcoin?)

SegWit Creator Introduces New Language For Bitcoin Smart Contracts (#GotBitcoin?)

You Can Now Earn Bitcoin Rewards For Postmates Purchases (#GotBitcoin?)

Bitcoin Price ‘Will Struggle’ In Big Financial Crisis, Says Investor (#GotBitcoin?)

Fidelity Charitable Received Over $100M In Crypto Donations Since 2015 (#GotBitcoin?)

Would Blockchain Better Protect User Data Than FaceApp? Experts Answer (#GotBitcoin?)

Just The Existence Of Bitcoin Impacts Monetary Policy (#GotBitcoin?)

What Are The Biggest Alleged Crypto Heists And How Much Was Stolen? (#GotBitcoin?)

IRS To Cryptocurrency Owners: Come Clean, Or Else!

Coinbase Accidentally Saves Unencrypted Passwords Of 3,420 Customers (#GotBitcoin?)

Bitcoin Is A ‘Chaos Hedge, Or Schmuck Insurance‘ (#GotBitcoin?)

Bakkt Announces September 23 Launch Of Futures And Custody

Coinbase CEO: Institutions Depositing $200-400M Into Crypto Per Week (#GotBitcoin?)

Researchers Find Monero Mining Malware That Hides From Task Manager (#GotBitcoin?)

Crypto Dusting Attack Affects Nearly 300,000 Addresses (#GotBitcoin?)

A Case For Bitcoin As Recession Hedge In A Diversified Investment Portfolio (#GotBitcoin?)

SEC Guidance Gives Ammo To Lawsuit Claiming XRP Is Unregistered Security (#GotBitcoin?)

15 Countries To Develop Crypto Transaction Tracking System: Report (#GotBitcoin?)

US Department Of Commerce Offering 6-Figure Salary To Crypto Expert (#GotBitcoin?)

Mastercard Is Building A Team To Develop Crypto, Wallet Projects (#GotBitcoin?)

Canadian Bitcoin Educator Scams The Scammer And Donates Proceeds (#GotBitcoin?)

Amazon Wants To Build A Blockchain For Ads, New Job Listing Shows (#GotBitcoin?)

Shield Bitcoin Wallets From Theft Via Time Delay (#GotBitcoin?)

Blockstream Launches Bitcoin Mining Farm With Fidelity As Early Customer (#GotBitcoin?)

Commerzbank Tests Blockchain Machine To Machine Payments With Daimler (#GotBitcoin?)

Bitcoin’s Historical Returns Look Very Attractive As Online Banks Lower Payouts On Savings Accounts (#GotBitcoin?)

Man Takes Bitcoin Miner Seller To Tribunal Over Electricity Bill And Wins (#GotBitcoin?)

Bitcoin’s Computing Power Sets Record As Over 100K New Miners Go Online (#GotBitcoin?)

Walmart Coin And Libra Perform Major Public Relations For Bitcoin (#GotBitcoin?)

Judge Says Buying Bitcoin Via Credit Card Not Necessarily A Cash Advance (#GotBitcoin?)

Poll: If You’re A Stockowner Or Crypto-Currency Holder. What Will You Do When The Recession Comes?

1 In 5 Crypto Holders Are Women, New Report Reveals (#GotBitcoin?)

Beating Bakkt, Ledgerx Is First To Launch ‘Physical’ Bitcoin Futures In Us (#GotBitcoin?)

Facebook Warns Investors That Libra Stablecoin May Never Launch (#GotBitcoin?)

Government Money Printing Is ‘Rocket Fuel’ For Bitcoin (#GotBitcoin?)

Bitcoin-Friendly Square Cash App Stock Price Up 56% In 2019 (#GotBitcoin?)

Safeway Shoppers Can Now Get Bitcoin Back As Change At 894 US Stores (#GotBitcoin?)

TD Ameritrade CEO: There’s ‘Heightened Interest Again’ With Bitcoin (#GotBitcoin?)

Venezuela Sets New Bitcoin Volume Record Thanks To 10,000,000% Inflation (#GotBitcoin?)

Newegg Adds Bitcoin Payment Option To 73 More Countries (#GotBitcoin?)

China’s Schizophrenic Relationship With Bitcoin (#GotBitcoin?)

More Companies Build Products Around Crypto Hardware Wallets (#GotBitcoin?)

Bakkt Is Scheduled To Start Testing Its Bitcoin Futures Contracts Today (#GotBitcoin?)

Bitcoin Network Now 8 Times More Powerful Than It Was At $20K Price (#GotBitcoin?)

Crypto Exchange BitMEX Under Investigation By CFTC: Bloomberg (#GotBitcoin?)

“Bitcoin An ‘Unstoppable Force,” Says US Congressman At Crypto Hearing (#GotBitcoin?)

Bitcoin Network Is Moving $3 Billion Daily, Up 210% Since April (#GotBitcoin?)

Cryptocurrency Startups Get Partial Green Light From Washington

Fundstrat’s Tom Lee: Bitcoin Pullback Is Healthy, Fewer Searches Аre Good (#GotBitcoin?)

Bitcoin Lightning Nodes Are Snatching Funds From Bad Actors (#GotBitcoin?)

The Provident Bank Now Offers Deposit Services For Crypto-Related Entities (#GotBitcoin?)

Bitcoin Could Help Stop News Censorship From Space (#GotBitcoin?)

US Sanctions On Iran Crypto Mining — Inevitable Or Impossible? (#GotBitcoin?)

US Lawmaker Reintroduces ‘Safe Harbor’ Crypto Tax Bill In Congress (#GotBitcoin?)

EU Central Bank Won’t Add Bitcoin To Reserves — Says It’s Not A Currency (#GotBitcoin?)

The Miami Dolphins Now Accept Bitcoin And Litecoin Crypt-Currency Payments (#GotBitcoin?)

Trump Bashes Bitcoin And Alt-Right Is Mad As Hell (#GotBitcoin?)

Goldman Sachs Ramps Up Development Of New Secret Crypto Project (#GotBitcoin?)

Blockchain And AI Bond, Explained (#GotBitcoin?)

Grayscale Bitcoin Trust Outperformed Indexes In First Half Of 2019 (#GotBitcoin?)

XRP Is The Worst Performing Major Crypto Of 2019 (GotBitcoin?)

Bitcoin Back Near $12K As BTC Shorters Lose $44 Million In One Morning (#GotBitcoin?)

As Deutsche Bank Axes 18K Jobs, Bitcoin Offers A ‘Plan ฿”: VanEck Exec (#GotBitcoin?)

Argentina Drives Global LocalBitcoins Volume To Highest Since November (#GotBitcoin?)

‘I Would Buy’ Bitcoin If Growth Continues — Investment Legend Mobius (#GotBitcoin?)

Lawmakers Push For New Bitcoin Rules (#GotBitcoin?)

Facebook’s Libra Is Bad For African Americans (#GotBitcoin?)

Crypto Firm Charity Announces Alliance To Support Feminine Health (#GotBitcoin?)

Canadian Startup Wants To Upgrade Millions Of ATMs To Sell Bitcoin (#GotBitcoin?)

Trump Says US ‘Should Match’ China’s Money Printing Game (#GotBitcoin?)

Casa Launches Lightning Node Mobile App For Bitcoin Newbies (#GotBitcoin?)

Bitcoin Rally Fuels Market In Crypto Derivatives (#GotBitcoin?)

World’s First Zero-Fiat ‘Bitcoin Bond’ Now Available On Bloomberg Terminal (#GotBitcoin?)

Buying Bitcoin Has Been Profitable 98.2% Of The Days Since Creation (#GotBitcoin?)

Another Crypto Exchange Receives License For Crypto Futures

From ‘Ponzi’ To ‘We’re Working On It’ — BIS Chief Reverses Stance On Crypto (#GotBitcoin?)

These Are The Cities Googling ‘Bitcoin’ As Interest Hits 17-Month High (#GotBitcoin?)

Venezuelan Explains How Bitcoin Saves His Family (#GotBitcoin?)

Quantum Computing Vs. Blockchain: Impact On Cryptography

This Fund Is Riding Bitcoin To Top (#GotBitcoin?)

Bitcoin’s Surge Leaves Smaller Digital Currencies In The Dust (#GotBitcoin?)

Bitcoin Exchange Hits $1 Trillion In Trading Volume (#GotBitcoin?)

Bitcoin Breaks $200 Billion Market Cap For The First Time In 17 Months (#GotBitcoin?)

You Can Now Make State Tax Payments In Bitcoin (#GotBitcoin?)

Religious Organizations Make Ideal Places To Mine Bitcoin (#GotBitcoin?)

Goldman Sacs And JP Morgan Chase Finally Concede To Crypto-Currencies (#GotBitcoin?)

Bitcoin Heading For Fifth Month Of Gains Despite Price Correction (#GotBitcoin?)

Breez Reveals Lightning-Powered Bitcoin Payments App For IPhone (#GotBitcoin?)

Big Four Auditing Firm PwC Releases Cryptocurrency Auditing Software (#GotBitcoin?)

Amazon-Owned Twitch Quietly Brings Back Bitcoin Payments (#GotBitcoin?)

JPMorgan Will Pilot ‘JPM Coin’ Stablecoin By End Of 2019: Report (#GotBitcoin?)

Is There A Big Short In Bitcoin? (#GotBitcoin?)

Coinbase Hit With Outage As Bitcoin Price Drops $1.8K In 15 Minutes

Samourai Wallet Releases Privacy-Enhancing CoinJoin Feature (#GotBitcoin?)

There Are Now More Than 5,000 Bitcoin ATMs Around The World (#GotBitcoin?)

You Can Now Get Bitcoin Rewards When Booking At Hotels.Com (#GotBitcoin?)

North America’s Largest Solar Bitcoin Mining Farm Coming To California (#GotBitcoin?)

Bitcoin On Track For Best Second Quarter Price Gain On Record (#GotBitcoin?)

Bitcoin Hash Rate Climbs To New Record High Boosting Network Security (#GotBitcoin?)

Bitcoin Exceeds 1Million Active Addresses While Coinbase Custodies $1.3B In Assets

Why Bitcoin’s Price Suddenly Surged Back $5K (#GotBitcoin?)

Zebpay Becomes First Exchange To Add Lightning Payments For All Users (#GotBitcoin?)

Coinbase’s New Customer Incentive: Interest Payments, With A Crypto Twist (#GotBitcoin?)

The Best Bitcoin Debit (Cashback) Cards Of 2019 (#GotBitcoin?)

Real Estate Brokerages Now Accepting Bitcoin (#GotBitcoin?)

Ernst & Young Introduces Tax Tool For Reporting Cryptocurrencies (#GotBitcoin?)

Recession Is Looming, or Not. Here’s How To Know (#GotBitcoin?)

How Will Bitcoin Behave During A Recession? (#GotBitcoin?)

Many U.S. Financial Officers Think a Recession Will Hit Next Year (#GotBitcoin?)

Definite Signs of An Imminent Recession (#GotBitcoin?)

What A Recession Could Mean for Women’s Unemployment (#GotBitcoin?)

Investors Run Out of Options As Bitcoin, Stocks, Bonds, Oil Cave To Recession Fears (#GotBitcoin?)

Goldman Is Looking To Reduce “Marcus” Lending Goal On Credit (Recession) Caution (#GotBitcoin?)

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