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The P2P financial markets are yet to converge. In Latin America, there are a lot of actors in the market offering excellent financial services, from money transfers to banking, retail trading, insurance, and so on and so forth.

Today's post will focus on P2P currency exchanges, unlicensed international money transfer services, and unlicensed retail currency exchanges, which often comprise individuals executing transactions manually with their personal bank accounts. These unlicensed currency exchanges are more common than you think in Latin America.

In the hypothetical scenario that you want to optimize your finances as an employee, you have two options: Reduce your current expenses and increase your salary. Since both of these options are non-exclusive, you choose to do both.

Many words have been written about reducing your expenses, so today, we’ll talk about the latter option: Increase your salary.

If you want to ask for a pay raise, in short words: Don’t. Stop right there. Most of the time, you’re not ready to ask for it.

First Monday of the year 2022!

I’m grateful for what this year 2021 has brought into my life. Some were substantial changes, changes for the better which were needed.