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Monthly Archives: May 2014

Estonia is a Startup Paradise

Everyone is always looking for the next silicon valley and there are always rumors of which nation will rise to the challenge. Often times countries do not live up to the hype but sometimes there is merit behind all the buzz, the perfect example being Estonia. You can’t talk about digital excellence without mentioning Estonia in the same sentence, after-all they are nicknamed E-stonia for a reason. This European nation loves technology as their president Toomas-Hendrik believes the tech industry is the future and it is not uncommon for technology education to be taught at the kindergarten level. This is the same nation which were the brains behind Skype and Kazaa, which was once a file sharing giant.

This is a nation where voting can be done from the couch and you can sign documents digitally as Estonia has one of the fastest broadband Internet speeds in the world. In 2000, the government deemed Wi-Fi a human right and made this service free throughout the country, it is no wonder Estonia is home to so many wonderful startups.

15 Estonian Startups You Should Know About

1. 3D Wayfinder – 3D Wayfinder is a digital building directory that helps visitors find their way in large public buildings and building managers to earn new revenue through advertising sales. The solution has been designed to provide a pleasant and a convenient navigation experience.

2. Bondora –Bondora is a meeting place where individuals and businesses can borrow and lend money between each other. This website unites investors and borrowers from all corners of the world and allows them to borrow up to £10,000 quickly and easy.

3. Click & Grow – Click & Grow is a smart system that independently grows plants without the need of watering, fertilizing or any gardening know-how. They develop innovative plant growing systems from flowerpots to city farms.

4. DonateIT – DonateIt links together blood donors and donation centres in a quick and convenient way. They allow centres to inform potential donors when their particular blood type is needed and to keep them involved throughout the year. The app aims to promote regular blood donation, especially amongst younger people. It also tracks and shares your blood donations, how much you donated and when you can do it next. DonateIT makes donating blood socially engaging competing against one another for who can save the most lives.

5. Erply – Erply 3.0 gives retail stores a new operating system which adds social features to small businesses and makes them easy to use for everyone. ERPLY is a real-time POS & retail management system that manages all areas of your retail organization including point of sale, sales back office, inventory management, employee payroll, accounting, customer CRM, multi-channel/e-commerce and more, in a single integrated system.

6. Fleep – Fleep is a chat communication tool for teams and businesses. Incorporating some elements of Skype and email, Fleep is a simple tool that  strives to replace email in a business environment and helps you organise your multiple discussion streams easily.

7. Flirtic – Flirtic is the future of online dating, it makes dating more social and flirtatious, giving users the ability to express themselves more easily in order to find their perfect match. incorporates the most popular and addictive features of social networks, including messaging, wall posting, ‘likes’ and entertaining games and quizzes. These features make it easy for even the shyest and most cautious people to help them to engage with new people, break the ice and start conversations.

8. Funderbeam – Funderbeam x-rays startups using standardised scores and familiar metrics from the financial markets. They provide startup intelligence to wealthy individuals and professional investors from start to exit and offer them unbiased analytics. They are a startup which provides information about other startups.

9. GrabCAD – GrabCAD is leading the open engineering movement, helping engineers get products to market faster by enabling truly collaborative product development. Their collaborative product development (CPD) tool helps engineering teams manage, view and share CAD files in the cloud.

10. HealthDiary – Using HealthDiary gives you a safe and a private place to keep, access and easily export all health-related notes, reminders, reports, pictures of children. You can record your child’s growth milestones, stomach troubles and doctor’s visits. Reminders help you keep track of important appointments. It also lets analyse your child’s data across the years or bring it along to the next doctor’s visit. HealthDiary is currently preparing for a beta launch, you can sign up now and be the first to use HealthDiary.

11. Lingvist – Lingvist is a personalised approach to language learning that makes every learner a fast learner. Using mathematical optimisation, Lingvist’s tool tailors tasks according to your knowledge and skills. They take languages apart and arrange them into microlessons that each learner completes in the order that is most efficient for them.

12. Marinexplore – Marinexplore provides a proprietary cloud platform that helps streamline ocean data workflows and make sense of large-scale disparate ocean data. They help customers make better business decisions faster by dramatically reducing data handling time and mitigate environmental risk in offshore and maritime businesses.

13. SignWise – SignWise service cloud offers legally binding e-signing and strong user authentication both in-country and across borders. Their technology allows anyone to sign a document legally across the border on any device in just minutes. Here’s exactly how it works.

14. Realeyes – Realeyes is able to understand people’s feelings and behaviour based off their body language and gestures. Using this data, Realeyes enables brands, publishers and agencies to make profitable marketing decisions by measuring emotions via webcam in real-time.

15. Wellbiome – This wellness service adds scientific precision to your dietary decisions and helps to improve your quality of life by providing you a DNA analysis of your gut microflora. Wellbiome’s mission is to give people insight into their body and increase wellbeing and quality of life with relatively small effort.


Greek Turkish Economy Forum


Greek Turkish Economy Conference was organized succesful from Youth Business Network -associate organization of Students  for Liberty and International Platform for Young Entrepreneurs at Bilgi Law School 9 to 11 May 2014 . More than 100 participants from both countries attended the conference with main topic international relationships ,economical cooperation between Greece and Turkey .Also 2 startup companies showcased at the duration of the event . Lot of  journalists from Turkey have attended , and their interest for Greek Speakers was quite interesting
Some of the main speakers were :


 Emre Semercioğlu The role of International Platform for Young Entrepreneurs”

Myrto Dimitriou-Michaela Papamichail  -Youth Business Network -How we promote Greek startup ecosystem
Nikolaos Kostopoulos 10 reasons your startup will fail
Dr.Vasileios Grammatikas (Keynote speaker ) 
Haris Donias “Creating a Culture of Job Rather Τhan Job Seeking”
Enver Mısırlı Startups’ sector in Turkey”
Yro Chatziathanasiou Volunteering Instead Unemployment
Euthymia Papagianni “Investment Opportunities in Greece”
The second part of Greek Turkish Economic Forum will be announced soon and it will be organized in Greece


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Does a Bitcoin Weigh More Than a Gold Coin? Alternative Assets in Retirement Plans

The problem with being young and successful is that right now you’re, well, young and successful. However, that’s a situation which eventually takes care of itself. At some point most intelligent people come to that realization, and they start thinking about saving for retirement. The problem is that they start thinking about it a little too late. Most Americans never save enough of a nest egg to adequately supply their retirement needs. Even starting just a few years earlier with retirement investing could mean conservative differences in excess of a $100,000.


So you’re willing to put aside a few bucks for the coming rainy days, but the question still remains. Where should that money go? You could go the traditional route and just park it in a mutual fund. That’s a popular choice now with most people betting that the market and the funds will keep on delivering. Or you could go a completely different route. One of the more exciting alternatives in retirement investing is Self Direction. In Self Direction investors choose retirement assets that they understand (e.g. real estate or private business). The draw is that the profits can be higher and more consistent than typical market returns. Let’s take a look at some of the more popular alternative assets, and find out which ones make sense as a retirement investment.


Out of all the alternative assets, gold has definitely received the most extensive marketing campaign.Numerous companies have trumpeted their gold investment platforms as the best alternative to the stock market, but is gold really worth the hype? In actuality gold is a commodity like any other and its price follows the standard laws of supply and demand. Currently gold is riding a huge wave, but there are no guarantees that the wave will continue. With the somewhat chaotic nature of single asset prices in general, a prudent investor would not want to bet his/her entire retirement fund on gold alone. Gold, though, does have one unique feature that makes it attractive as a retirement investment. Namely, you can hold the physical gold and take it with you if the situation ever calls for it. Not allplatforms allow for physical possession, but those that do allow gold to function as a kind of insurance policy. Presumably gold will retain a large percentage of its value at any given time, and, more importantly, in any given location. That renders it a highly portable store of wealth.

Real Estate

Real estate has always been the classic venue for those who want to branch out on their own. It comes in a variety of forms, and it seems that rehabs and flips have captured the minds of today’s investors. However, flipping is not necessarily the best retirement investment. A successful flip requires real estate knowledge as to which properties are the most suitable, as well as how much it really takes to do a proper rehab job. Novices jump in, but then find themselves in trouble when they’re stuck with a property that doesn’t sell.  This approach could knock out your retirement fund before it even gets off the ground.  For most investors, a more conservative approach is in order. In real estate terms, conservative means foregoing the big deal and instead securing a small but steady stream of income. This can happen with a rental. Many retirement investors have found long term success by placing their funds in a single or multifamily rental. With the help of a qualified real estate agent, you should be able to find a rentable property that will provide your funds with a steadystream of retirement income.


Bitcoin is the first fully digital currency that has achieved some degree of general acceptance. It’s also one of the hot alternative flavors of the day. The question, though, still remains: is it a good retirement investment? For the answer to this, let’s take a lesson from the medical world. When a new pharmaceutical is released to the general public, it has already gone through extensive FDA safety testing. Still, many doctors recommend waiting a few years before taking it. The reason for this delay is that even with all the testing, the long term effects in real world scenarios have not yet been determined. This idea also holds true for new investment assets. When something as new and revolutionary as Bitcoin comes around, it might potentially be very profitable, but the long term stability is not yet known. As a retirement investor its best not to place your retirement solely in unproven assets. If you’re the adventurous kind, then take the plunge with some of your funds, but leave the majority of them to safer investments.

Alternative assets can definitely provide higher returns than a standard mutual fund, but caution should always be your first response. The best thing to do is choose a reputable financial firm  that offers alternative investment options. Next up, get educated. Choose an asset that appeals to your investment sensibility, research it fully, and then make a sensible judgment with all of the facts.

Cara Price is a caffeine based life form who ardently believes in the convergence of technology, communication, and art to help businesses thrive. She is currently working as a content and communication specialist for Broad Financial, a leading custodian of enhanced retirement platforms. She loves people, Pinterest, and the written word, and she can be contacted via