Hi! My name is Reinis Fischer (38), a proud dad and devoted husband. CEO and Founder of Terramatris crypto hedge fund, drone enthusiast, world traveler, photographer, book author and passionate lover of Georgian cuisine (vegetarian).

An ex-pat living in Georgia since 2011, I trade stocks, take photographs, work out at the gym, and many more. Here I write about travel, finance, and other things that might interest me.

Latest articles

Top Places To Visit in Georgia in April

In this article, I will list some of the top places to visit in Georgia during the month of April. Tbilisi - is definitely worth visiting at any season of the year, April is a very good month to visit Tbilisi, weather is warm and long gone are March winds - go explore Tbilisi old town, climb up to the Narikala fortress, enter Tbilisi Botanical Garden and watch everything around you blooming. Visit Tbilisi Dezerteer bazaar and buy some fresh…

Travel guides |

Top 5-star Luxury / Boutique Hotels in Tbilisi

Tbilisi and Georgia have been gaining a lot of international tourist attention in recent years, without any doubt it has helped to boost Georgia's tourism industry, with new hotels popping up all across the country. There are a few 5 - star hotels in Tbilisi, according to Booking.com. For a luxury stay in Tbilisi, you should be ready to pay about $250 per night, though you could find some bargain deals even under $250 In this article, I have…

Hotel reviews |

Average Salary in European Union 2018

For the fifth year in a row, I'm publishing my humble observations on average salary changes in the European Union. In this article, I've compared both gross and net average salary for 2018. Update: Average Monthly Salary in European Union 2020 As in the case with minimum wages in the European Union 2018 article, for this year's average salary article, I was able to pull data both for gross and net minimum wage values across the European Union…

Investments |

Google AdWords/AdSense To Ban Cryptocurrency Related Ads

In June 2018, Google will update the Financial services policy to restrict the advertisement of Contracts for Difference, rolling spot forex, and financial spread betting. In addition, ads for the following will no longer be allowed to serve - Binary options and synonymous products, cryptocurrencies and related content (including but not limited to initial coin offerings, cryptocurrency exchanges, cryptocurrency wallets, and cryptocurrency…

Blogging |

Nasdaq Baltic Stock Market Biggest Gainers / Losers 2017

There was a 71 company listed on the Nasdaq Baltic stock market in 2017. In today's article, I decided to make a quick look on the biggest gainers and losers for a whole 2017.  Baltic equities are listed on Nasdaq Baltics in 3 listings - Main List, Baltic secondary listing, and Firth North. As of writing this article the total market capitalization for companies listed under one of the three listings was EUR 7 billion and 261 million. 7 billion…

Investments |

Cryptocurrencies are Volatile - Here is How I Lost $1,000 in Value in a couple of days

Wow, what a bearish ride for the past couple of days in the cryptocurrency world. Bitcoin and all the other major altcoins have lost value on average by 25% in the past couple of days. From trading BTC at $11,615 on March 5th down to $8,606 on March 9th.  Long story short - I've been investing in cryptos since the second part of 2017. Before actually investing in cryptocurrencies I developed the so-called dollar cost averaging plan, and decided…

Investments |

Top Hotels to Book in Daugavpils, Latvia

Daugavpils has been on my travel radar for a very long time, in fact I've been in Daugavpils for couple of times in the past. According to Booking.com there are no 5-star hotels in Daugavpils, but there are a few 4-star and a lot of 3-star hotels located in the city and in the neighboring vicinity.  Disclosure: hotels listed below contain links to Booking.com, by clicking on links on this page and by making a reservation on Booking.com site, I…

Hotel reviews |

Minimum Wages in European Union 2018

Turns out this is already fifth (#5) article about minimum wages in European Union featured on the blog. Traditions must be continued and here comes the latest article with the latest data for 2018 about minimum wages in the European Union. Update: Minimum Wages in European Union 2019 In 2018 there were 22 out of 28 European Union member states with the official minimum wage set by the government. Feel free to browse through the archives for…

Investments |

Palios Mylos Restaurant Review near Argiroupoli Springs, Crete

Ahh, I love these lovely roadside cafeterias which are hard to locate, after visiting and leaving, on the map. This time I was lucky enough and turned out I had pictured the name of this place in Greek. A bit patience and usage of Greek language transliteration and here you go - found both the name and location of this place, meet Palios Mylos Restaurant near Argiroupoli Springs, Crete. Visited back in June 2017. Now it's hard to recall exact …

Restaurant reviews |

February 2018 Dividend Income Report - $62.89

Time flies and so did last February disappeared like a flicker. Now it's time to look back and see how did it go for me in terms of dividend income. February marks already the tenth (#10) dividend income report, covering earnings I've made from dividend-paying stocks, peer to peer lending (both fiat and cryptocurrencies) Surprisingly, but February turned out much better than I thought before - after a few e-mail and support tickets forth and…

Investments |

Winter near The Baltic Sea (Dubulti beach, Jūrmala)

In today's Piece of Life series, a couple of HDR's from the Baltic sea (more precisely Dubulti beach in Jūrmala, Latvia) Pinewoods, frozen sea and cold fresh air. Frozen Baltic sea Would love to return here in Summer. Restaurant Orizonte in Dubulti beach Pinewoods near Dubulti beach

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How I'm Buying Stocks in Nasdaq Baltics Market

I've been investing actively in the Nasdaq Baltics market actively since 2017. Currently, I hold stocks of 16 great dividend-paying companies. And in fact that's the reason I'm investing in this market - call me dividend investor. In today's article, I wanted to share a quick "how to" on how I'm actually investing in this market. For operations (trades) to happen, I've opened a brokerage account at SEB Latvia bank, which comes up with a cost…

Investments |

Top 5-star Luxury / Boutique Hotels in Barcelona

Barcelona is one of the most popular travel destinations in Europe, the city is the desired location for romantic trips, in case you are looking for best honeymoon or just romantic weekend in fabulous Barcelona city, in this article I have listed Top 5 star and luxury hotels in Barcelona, based on actual user reviews on Booking site. Alternatively see: 20 Top Rated Romantic Hotels / Apartments In Barcelona The price per night for those 20 top…

Hotel reviews |

52 Week Money Saving Challenge

I first heard about such challenge from SEB Latvia bank - How to save 1,400 euros per year? The recommendation is simple - to deposit in the first week one euro, in the second week - two, third week - three, etc. The amount after each week continues to grow, up to the last week of the year, when it is 52 euros. As I love challenges and believe they are the great way to master new skills and make good habits, and in fact, there have been a few…

Investments |

Investment Goal #3 - Build up Starter Emergency Fund $1,000

Now this should probably be ranked as an Investment Goal #1, but as I already have goal one and goal two defined, I will keep this, probably, most valuable goal to build up a starter emergency fund as goal #3 As they say, you should have in your emergency fund about 3-6 months of expenses in savings to have a good sleep. Since the last time I counted our family expenses on a monthly basis (Cost of Living in Tbilisi (Republic of Georgia)) has…

Investments |