I recently came across this well-written analysis of Bitcoin by Citibank. If you have time, it is worth a read, or spend only 15 min to skim it if you're pressed for time (skip to page 101 for the conclusion).

Morgan Stanley next month is set to allow high net worth clients the ability to buy bitcoins. I think this is a good move. As more people with power and influence get involved, I hope to see bitcoin open up to the masses. I also hope that there is guidance and regulation provided so that the industry can healthily grow; right now, a lot of the features offered to the public sit in a gray area (e.g., lending of cryptocurrency to earn interest).

I'm also attaching a Morgan Stanley report if you have the time. It's more quantitative but serves as another data point from Wall Street.

There is so much to learn about crypto. When I first got started, I used a variety of YouTube, Wikis, and websites to get me up to speed. In particular, the following websites have proven invaluable to me and I wanted to share them with you:

1. CoinGecko: Useful to check market prices
2. Bitcoin wiki: Excellent place to learn about wallets, accounts, addresses, etc.
3. Trezor blog: ELI5 for bitcoin 

If you have a resource that you find especially useful, please let me know. I am always happy to learn more.

I recently confirmed that Gemini does indeed offer free withdraws and does not charge transaction / network fees. I'm surprised by this because transaction fees on the Ethereum network can cost over $10 for small transactions (e.g., under $50), which is cost prohibitive. It seems many exchanges, including Coinbase, also offer this free service. 

Gemini has some internal software to make it cost efficient for them by rolling withdrawals into one transaction. So when you refer to your transaction hash on Blockchain.com, you'll see a few other transactions alongside your's. 

I am trying to understand how Ethereum manages accounts and addresses. Unlike Bitcoin which you can generate an unlimited number of addresses, it seems you can only create one Ethereum address if you wish to spend it in one transaction. 

My understanding is that with Bitcoin you can send bitcoin from multiple addresses as long as it is coming from one account. Ethereum, on the hand, seems to only have one account, one address. To make matters more confusing, you can have ERC-20 tokens (e.g., BAT) transact using an ETH address. Before I transferred BAT from Gemini to my Trezor wallet, I was perturbed because it seemed illogical -- how can one type of coin get transferred to a different address? I had read stories of people losing their bitcoins forever due to carelessness in mixing up other cryptocurrency addresses (e.g., sending BTC to an ETH address) and I was determined not to make that mistake. When my BAT transaction using an ETH address went through, I was elated! This is such an interesting discovery for me but for someone who is 100% brand new to crypto, this can seem very confusing and off-putting. 

I am going to learn more about how Ethereum and ERC-20 handles transactions in the coming weeks.

Edit: Based on this Reddit thread, it's normal for Ethereum to have only one address per wallet.

I've been using the Brave browser for over two months now. I like its speed and compatibility with websites. Previously, Firefox was my main browser but I found it incompatible with a handful of websites. Brave uses the same engine as Google's Chrome but has built-in ad blocker. On top of this, Brave also has a unique incentive of giving users the option of opting into their native Brave ads, which are essentially Windows Notifications, that allow users to earn Basic Attention Tokens each time an ad is presented. 

I turned on Brave ads for three days now and have earned 0.6 BAT, which is equivalent to about $0.60 today. I'm not doing it for the monetary reward (though, I've read some people making ~$150+ last year), instead I'm excited to see what Brave can do with BAT. Supposedly there's a search engine in the works. Maybe they can compete with Google someday.