Blog
Tips, tutorials, and updates from the Molixa team
Finance
Annualized ROI vs Total ROI: The Difference
A 60% total return sounds great until you learn it took five years. This explains why annualized ROI is the only fair way to compare investments of different lengths, how CAGR and IRR relate, and a calculator that does it all.
FIFO vs LIFO vs HIFO for Crypto Taxes
The cost-basis method you pick can swing your crypto tax bill by thousands. This compares FIFO, LIFO, and HIFO on the same trade set, explains the rules and risks, and shows a tool that runs all three side by side.
How to Check if a Crypto Token Is a Honeypot
Honeypot tokens let you buy but never sell. Learn the exact contract red flags, how to read transfer and fee logic, and the checks that protect your money.
Do I Report Crypto on Taxes If I Didn't Sell?
Buying and holding crypto in USD is not a taxable event, but staking rewards, swaps, and airdrops are, even if you never cashed out. Here's exactly when you owe, plus how to answer the Form 1040 digital-asset question.
Do You Pay Tax on Crypto Staking Rewards?
Staking rewards can be taxed twice: once as income when received, again as a gain when sold. Here is how it works across four countries and how to track it.
ERC-20 vs ERC-721 vs ERC-1155: Differences
Three token standards, three jobs. ERC-20 for currencies, ERC-721 for unique NFTs, ERC-1155 for both at once. Here is how to choose and what each one costs.
Good Profit Margin by Industry: 2026 Benchmarks
A 5% margin is excellent for a restaurant and alarming for SaaS. This comparison lays out realistic net and gross margin benchmarks across 10+ industries so you know if yours is healthy, plus a calculator to find out.
IPFS vs Centralized Hosting for NFT Images
Host NFT art on a normal server and the buyer is trusting you not to delete it. IPFS fixes that, but with tradeoffs. Here is the honest comparison.
Impermanent Loss in DeFi, Explained
Provide liquidity and you might earn less than just holding. That gap is impermanent loss. Here is the math, a worked example, and how to minimize it.
How Compound Interest Works (+ Rule of 72)
Compound interest earns money on your money and on the interest it already made. Here is the formula in plain English, why compounding frequency matters, and the Rule of 72 shortcut to estimate doubling time, plus a calculator to see it.
APR vs APY in Crypto Staking: The Difference
A 100% APR and a 100% APY are not the same return. Compounding is the difference, and in DeFi it can swing your yield by double digits. Here is the full breakdown.
How Much House Can I Afford? The 28/36 Rule
The price tag a lender approves is not what you can actually afford. This guide applies the 28/36 rule, debt-to-income math, and full PITI to show what your salary really buys, with a calculator to model it.