Welcome to Digital Asset News. You can talk stories in crypto, currency, and assets, and bring them out of bite-sized pieces. Today I just want to do a quick Q&A, because I thought it was a pretty good question that came about, and it really just asks me, Digital Asset News, or my name's Rob, to take a look at a subscriber's portfolio. I thought it was a pretty good idea, and I think if this goes pretty well, depending on the interest, I think I'm going to open this up to everybody, because I think it's a pretty cool idea. So first of all, today, just so you know, for reference, it's January 26th, it's about 8 a.m. El Paso, Texas time, and I just thought this was pretty cool. So it was a message I got, it says, Hey Rob, hi my name's Tom, I've been watching your channel since November. Thanks Tom, I appreciate it, because that's exactly when I started, November 2019, which is crazy. It says, Per your advice, I have been DCing for more than a year now, first of all, not financial advice, but it's a pretty good idea, that's what I do, dollar cost average. I don't want to do it, that's all you Tom, but thanks. He says, My portfolio has reached $420,000 as of today, that's pretty damn good. According to many crypto experts, including yourself, we are at the bottom of a massive bull run for the rest of this year, so I'm extremely excited about that. If you had the time, you think it's appropriate, could you take a look at my portfolio below and assess my potential by the end of the year, what are my chances of becoming a multi-millionaire? Thanks for being a very honest, rational, and highly intuitive, educated crypto Tom. Well, first of all, Tom, thanks for reaching out, that's pretty great of you, I appreciate that. What he's talking about here is, this could be the year, and I've always said this, I believe 2021 is going to be the year. Why do I say this? Because everything goes in cycles, and not that we are guaranteed to go in this cycle, but it's happened the last, you know, 10 years, so I'm thinking I got a pretty good shot here. So it always goes like this, it all kind of comes off with Bitcoin. So you have a halving, the rewards that the miners get are cut in half, and that happened in 2012. Then the very next year, because there is now more of a scarcity, you've got an all-time high, and that's exactly what happened in 2013. Then you have a massive dip the next year, and you have a reset, or whatever thing goes sideways, which has happened in 2015. Same thing happened in 2016, halving, 2017, massive all-time high, 2018, big dip, and then for 2019, we kind of moved sideways a little bit ups and downs, but just a little bit of a reset. And the same thing happened, or it's happening now. So 2020, just halving in May 2020, I believe we are due for an all-time high, and then in 2022, a massive dip and a reset. So when we take a look at what's going on here, at the end of 2020, we were at around almost 30,000, and we think, wow, look at that, it's just so huge. Well, it's really not, we need to look at it like this, because that's what it's been the last, you know, eight years, 10 years, nine years, whatever it is. And that's where we're at. So 2021, I believe, is going to be just ginormous. So if that's the case, let's take a look at Tom's portfolio, and I have to tell you, it's looking pretty good. This guy's almost got half a million in cryptocurrencies and digital assets. So Tom, tip of the hat, good job. So this is what we've got, and looks like Tom here is pretty darn heavy on VeChain, which he's a big believer. I'm a big believer in VeChain because it has real-world functionality. I believe that we're going to need a lot better tracking. Even Walmart knows this is going to happen, and they actually trialed tracking on the blockchain. And instead of it taking like days for them to track produce and items and different things that they're actually shipping across the country, it took them seconds to find. So imagine doing this, not just for tracking that, but also for counterfeits, also for medication, also for things that are either heat sensitive, or they have to be there in a certain amount of time, in a certain amount of way, like a vaccine or something like that. I think that would be a pretty good idea to have. So VeChain, I can see, and Tom here has got almost 6 million VET. So that's pretty good. Bitcoin, he's got almost a little over 2.5. Cardano, he's got 224,000. That's a lot. Algo, 31,000. Voyager token, one of my top picks for 2021. 14,000 itself. Ethereum, 10.5. Chainlink, Silo, Polkadop each other. Okay. So this is the actual portfolio. So I'm going to make two things. First of all, I'm not a financial analyst or a financial planner, so this is not financial advice. Obviously, I'm just some guy who likes cryptocurrency assets and has been around for a little bit of a time. And this is all my passion. So I will just take a look at this and go, if this was my portfolio, here's what I would do. First of all, I wouldn't change anything. I wouldn't change too much here. If you have this money already in, then you can do what's called a rebalance and say, well, I think this is going to go up. So I'm going to put it in there. A lot of people, they like to invest into altcoins so they can just dump it all in the Bitcoin. I think that's not a good idea in the long run because I think if you think Bitcoin is going to go up to a million dollars this year, sure, okay, then go for it. But I like to diversify. I invest into crypto. I invest into stocks. I invest into precious metals, gold and silver. I invest into real estate. I invest in the land. I'm not stuck on one thing because that's putting all your eggs in one basket. I think it's not a great idea. Now the returns aren't so fantastic on all those like gold. I'm not going to get a ton of return, but hey, it's just a diversification what I want to do. So for this one, for Tom, what I would say is if this was me, I'd probably want to put a little bit more in Ethereum because I think that personally, Ethereum's going to go to 10,000. Also the channel wouldn't touch because you already have it in there, so why take it out right now? And besides, if you just started to buy and purchase, if you start to sell right now you're going to be subject to long or short term capital gains, which could be up to 38, 42% even higher depending on the state that you live in. So I wouldn't do that at all. Cardano, I would, that's a pretty great amount that you have. I wouldn't touch that again for the whole thing that I'm selling or talking about. I would increase my Voyager because I, again, I think that if right now it's at a dollar, I think it's going to 30, it's a 30X, you can't beat that. Ethereum is around 1,000, that's a 10X right there. Chainlink, honestly, I think I'm a little bit low and if you are new to the channel, first of all, welcome, I'm sorry, I skipped over too much, but this is what we're talking about is my 2021 price predictions. I will link this at the very end.  I just don't do that. But what I try to do is keep myself grounded. So like I said, Bitcoin, I got it going to 150,000 this year. I'm not talking about 20, 20, 8 or 5 or whatever. I'm talking about this year, 150K, Ethereum 10K, Chainlink 35, and people say this is probably my worst pick because they think that it's going to 100 and I hope I'm wrong. I hope I'm wrong. This is just a conservative me. Cardano $3, Theta $10, Celsius, and I have all these in a row and the probability. I think Bitcoin 0 to 10 or 10 is the most probable it'll happen. I got it as a 10. The other one I have is Theta and I explained why I believe all these things in the video. You can watch that later. But for Tom here, I don't know much about Silo. I don't know a ton about Algorand. All I hear is that it's going to be big. But if you look hard enough, every crypto product is going to be enormous. That's just how it is. If you want to find that your beliefs, then just look in YouTube and just type in Algorand of the Moon and it'll come up. Type in Tron of the Moon. It'll come up. Type in Polkadot to the Moon. It'll come up. So I'm not sure of this one and I can't speak to that. So I'm just going to say just keep it as is. The only thing I would change is I would put more into Ethereum because everything's built on Ethereum. So why not? And also I would put more into Voyager. That is me personally. So what I want to do right now is just say, OK, Tom, what you have now based on my predictions themselves about where it's going to go at the end of this year. If we could take a look at and extrapolate it, then where would we be or where would Tom be if this all pans out to my conservative predictions? So this was a great question, I thought. So what I did was before the video, I just put this together. We're going to use this for portfolio review. So sending your portfolio and I'll tell you some suggestions that I would do if it was my portfolio. Not telling you what to do. Just telling you what I would do. So what I want to do is just say, OK, so Tom here's got. He has 2.68 of current holdings of Bitcoin. And I think the prediction is going to be at 150,000. So you take 2.68 times 150,000, you get 402,000. So if that pans out, I think it could, then Tom would be a pretty happy guy because he's got that. Now to make this super simple, this is just a formula. If you want to do this, you just click on any cell. And I'm using Google Spreadsheets. And if you want to do a formula, you just type in equal.  You put a star, 1,000, and then it would equal that. So that would be the formula. 10.5 times 10,000, you get 105,000. Now if you want to make it simple, like I have the formula right here already, all you've got to do is just drag it like this. And it'll prepiply all the numbers for you, which is pretty cool. So now we got 10.5 times 10,000, 105,000. His chain link, he's got four and nine. I think he's got 35, it's 14.3. Cardano, I think he's going with three bucks. That's 672,000. And VeChain is his big hold, which he's got five, almost 5.8 million. I think it's going to a quarter. That's going to give him 1.5 million. Voyager for his 14,000 times 30, that's going to give him 438,000. Wow. So this is, I wanted to show everybody this because it's the power of diversification. Diversification, excuse me.  This is what I would do. And I think if you do something like this, you don't have to have all these new winners. And you just have to have one big winner, a couple kind of winners, and then maybe a couple of disappointments, but you'll still come out okay. Because it's a lot easier than it's going, nope, this is the one, I'm doing this one all the way down and I don't care. And you saw that with what happened with XRP. XRP could still be enormous this year. I have no idea, but it's not looking too good. So if you want to wait around for another four years, that's cool.  That's why I like to spread things around. So this is everything that we got. I'm going to go over Algorand and Celo, Vithor talking a bit, but let's just take a look here. I'm going to take this, go down to here and we take a look at the sum. He's looking at three million right here. So he's got three million. So yes, Tom would be a multi-millionaire if these price predictions come true. And again, these are conservative numbers. Now for Algorand, I, again, I don't really get into that one and Celo and Vichain Thor, there was a website I found called Digital Coin. And if you think I give conservative numbers, then this one is super conservative. So like this one for Ethereum, it thinks, okay, for 2021, this is the Mac is going to go 1865, 2022, 2031. It's saying that not until 2028 will we reach 5850. It says the same thing for Bitcoin. For my prediction, 150K, it says that that Bitcoin is going to top out at 50K and then it's going to be 150K in 2028. I don't think, I mean, maybe who knows but I don't think that's true. So let's take a look at Algorand. Let's just get some kind of like basic price prediction. They're super conservative. I think it's like, it's 60 cents right now. They're saying it go to 90 cents. Okay, great. So 90 cents, let's put that in, 0.9. All right. And then Celo, let's go back and look at Celo. Right now it's 318. This one says it's going to go to 461. Sure, whatever. So we're going to put 461 and then the Thor token, it's at 0.00, it's like a penny. And this one says, well, it's going to go up to two pennies. All right, or no, excuse me, fractions of a penny, 0.002, not too good. Well, that's just, that's a V Thor. So we'll go 0.002 and then again, over here, we'll just drag this down and voila. You've got, so on top of this 3 million, Tom's going to get maybe 28, 43, 45, another 45,000, which I don't think he really needs because he's already in months on millionaire, but good for him. So yeah, that's kind of where I see things potentially going. And then lastly, I want to talk about another thing, which is it's not how much you make, it's how much you keep. So we have to be prepared about where are we stashing all of our crypto and digital assets? Are we putting it all in the exchanges? Are we putting it all on our nano ledgers? So really this is actually going to lead off into one of the videos that I just recently did, which was called have a plan. And I talk about what are you going to do with all these massive gains that are coming your way? Cause like Tom here, he's got three million. So if he sits on it, I mean, you can do that, but there's a pretty good chance that next year, 2022 might see a massive dip and you might lose all that. So maybe you want to do what I talk about in this video, which is start to transfer some of your gains into a stablecoin and then stick it there. And then also other things like putting it into like a Celsius or a Voyager where you can gain yield.  Just, it's just funny to me. And I was like, I should do that. And I try to do it. And this was the face I came up with. So I just, I can't do it. So but just so you knew, if you were going to go into stablecoins, either using Voyager or Celsius, this is the exchange of wallet fees. I'm sure a lot of people have seen this, but if you don't know in the description of all my videos, there's going to be a link. It's going to look somewhere underneath here, exchange of wallet recommendations. You click on this, it's going to take you to the exchange of wallet fees itself. And you can take a look at all the different rates that Voyager and Celsius has. Honestly, Celsius has the better rates usually and Voyager is right behind it. But just for like something like USDC, that's right here. This one right here, USDC, you get 8% APY. And then over on Celsius, you get 13.86% if you want to get paid in Celsius.  So then you get almost 11%. So again, what I usually do is I use Voyager to buy almost all my crypto, honestly. And then I'll transfer over to Celsius, whenever I not so damn lazy, and then I can get better rates. But sometimes I just leave it on there. And that's just how it goes. So that leads me to my last point, which is talking about where do you store all this stuff? Because you can store everything on a ledger. That's fine, you can store it on a ledger. I mean, we had that information hack, but the ledger itself is bulletproof so far. No one has ever hacked a nano ledger, ever. Now, they did something goofy where they left a lot of people's personal information and that got hacked. So people's name, address and phone number, which I think is horrible. I'm not gonna say that's great. That's just awful, but no cryptocurrency was stolen. So that's at least one good thing, but it could lead to other things. But for right now, you could put it on a ledger. It's very safe. But the question is then, well, how do I get this APY?  So this is just what I do. Again, not financial advice, but these are the places where I put all my crypto and digital assets. And it looks something like this. I mean, this as simple as I possibly could. So real quick, if you break this down, let's start with the smallest one, 1%. 1% is in Brave. And that's what I use for my Mew, my ether wallet connection. So I put that on there just so I can do like demos and things like that for you guys. Just kind of makes sense. Then the next highest one is on exchanges. I leave about 14% of the exchanges. And you know why? It's because sometimes I have recurring buys that I just sometimes just forget about. Sometimes they're like every once a week or once a month.  And for every one time, sometimes they are on Kraken, Gemini, or Coinbase. But Coinbase, it could be because of whatever else I have on there that I just got to keep taking off. So that's really it's on Kraken and Gemini. And that's about 14%. The next biggest one is on Celsius. And it's an obvious case because if I can transfer things to Celsius and they can pay an interest, that's a pretty good deal. And they haven't been hacked either. They had a DNS attack, which I had Alex in the show. I've had on the show like twice. And he explained very thoroughly. You can check out that video. It's, and he goes about and he talks about exactly how Celsius earns yield. And I had to drill them on it, but he gave me three reasons. So definitely check that video out. I'll link it at the end if I, I'll put that in there. And then the next highest one is Voyager. I like Voyager. I like the token obviously, what we just talked about. And it's safe. It hasn't been hacked either. They had an issue where they had to shut everything down for like 12 hours, but they did it. And they, there was no hack whatsoever. So a lot better than a lot of these different exchanges, even a Binance who has been hacked before. And again, Voyager to me, like I say, it's like the hotels.com.  You can go right to the hotel and go, I want to stay at a double tree. Or you can go to hotels.com and go find me the best rate for hotels.com for double tree, for the Marriott, for the Superstar, for the Motel, 86, I don't know, whatever. And it'll give you the best rates. That's what Voyager does. It's a broker and it looks to all the best exchanges and just says, which one of you has the cheapest? Great, we'll use you. And then we'll, we'll make a little bit of money on the spread, which I'm fine, I don't care. And that's what I use. And then of course, the next bigger, higher step, I got a half on my nano ledger. So that's where I put things.  And I just, you know, I just go through all of my price predictions and I talk about what I would do as far as an exit strategy because at some points it has to happen. So that's it. So look, that might have gone a little bit long. I apologize, but I had to get over this one. This is good. So if you want to submit your portfolio for a review, it's super easy. Just go to DanTeachersCrypto.com. It's a free website. You can sign up or just click on the contact button. You can find the, forget how to get there. Super simple. Just in the description area of my videos that says 100% free website, DanTeachersCrypto.com. Once you're like, nah, that sucks, I won't do that. Just go to Twitter and just follow me on Twitter. And it's that news asset and just drop me a DM and I'll respond back to it. Hey, there's Coin Bureau, that guy's great. All right, so that's it. So look, if you made it this far, you must have liked it a little bit. So hit the thumbs up, subscribe because I think you might want to listen to some other stuff that I do. It's pretty time sensitive because we usually do a lot of news things. So consider hitting that button. And that's it for today. So thanks for watching, really appreciate it.  I'm gonna choose those today because there's a lot of information out there. And that is it. So thanks so much. I appreciate it. See you on the next one.