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1081  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 29, 2016, 07:05:14 PM

The new membership site is almost ready. Feel free to take a look and comment.

https://fourpillarsofbusinesssuccess.com/



The new site looks fantastic!!

The membership fee for the entire first year is only $1 - awesome!

All that hard work is about to pay off.  Smiley

Thanks Chase.

Yep, the first year we will be building content and creating value.

It's getting really close now! This will help launch DNotes into the next phase of it's progression.

It has been a lot of hard work but I am very happy with how things have been coming together, thanks to many from our community who have been giving me a great deal of help.

The book is a significant foundation block for DNotes. Once you get to read the DNotes Story - Chapter 15, as narrated by "TeeGee", you will get a much clearer picture of the DNotes' Vision and the amazing journal ahead. DNotes is a currency with a purpose. Our journal just began.
1082  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 29, 2016, 04:32:52 AM
This is a pretty good article, worth the read, from Marcus Swanepoel is the CEO of BitX, Why Bitcoin’s Bad Reputation is in the Eye of the Beholder

As an industry insider, it is sometimes very hard to admit that bitcoin suffers from serious negative perception issues: that in the minds of many people bitcoin is still automatically linked to thoughts of drugs, terrorist financing and money laundering.

Needless to say, this has massive implications for all potential stakeholders: It slows down consumer adoption, it has regulators set the bar unreasonably high for bitcoin companies to operate and many banks still refuse to provide bitcoin companies with simple operating accounts.

All of this results in the stifling of innovation, the creation of an unfair competitive environment, and ultimately, a negative connotation for the consumer who is meant to reap the benefits of this new and useful technology.

We’ve spent enough time with all these stakeholders to reasonably assert that most of these concerns are driven by perception and emotion, rather than facts and data. Are there risks around bitcoin? Yes, of course – they exist in all financial systems.


[...]

"My advice is that companies should play very close attention to what is happening, because this will not go away," he said.  Layers of middlemen in payments systems face a creeping threat across the nexus of commerce, stockbroking, currency trading or derivatives. Many risk extinction over time."

http://www.telegraph.co.uk/business/2016/03/13/central-banks-beat-bitcoin-at-own-game-with-rival-supercurrency

My Bet is: a confusing array of influences -- blah blah blah -- will result in an interim phase of faster capital growth in non-free cryptos/blockchain projects. Then though . . . folks are gonna say, 'What? Cryptos that are a 'tool of state control'? Nah . . . let's try these 'free cryptos' that we've been hearing about!'

Mark (IndiaMikeZulu), Australia

"a confusing array of influences -- blah blah blah"

Hard to disagree, Mark. Our industry is reminding me of the proverbial
“too many cooks spoil the broth”


Satoshi had it perfect and now some of the stripped-down versions .... well ----  are beginning taste like spoiled broth.
1083  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 29, 2016, 04:09:49 AM

The list of outlets for easy bitcoin purchasing seems to grow every day:


Buy bitcoin with cash at up to 633,000 outlets in over 40 countries

http://bravenewcoin.com/news/buy-bitcoin-with-cash-at-up-to-633000-outlets-in-over-40-countries/

That is quite an impressive number. Technically, every cash register can be an ATM, if regulatory compliance is not an issue. However, I am concern about the hidden fees and unfavorable exchange rates in certain cases, especially, if used as regular means of saving for retirement. As an example; you want to save $114 but only $100 is deposited into your account. (You purchased $100 worth of Bitcoin plus $14 in fees) It may be okay to get an account started but not too attractive on a regular basis.
1084  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 28, 2016, 10:10:44 PM
Although the article below is about FinTech, it certainly applies to digital currency and the blockchain.

I like the concluding statements, "especially if you care about financial innovation, keep in mind that a solid foundation is the most important thing in building anything new and meaningful. Bridge or otherwise."

Fintech Lessons From a Troubled Bridge Over New York’s Waters
March 24, 2016 Gregg Schoenberg

(FinTech) Disruptor hubris. If we had a dollar for every time we’ve reheard the metaphor comparing banks to dinosaurs or to the taxi services being put out of business by Uber, we’d have enough to own a unicorn. Underpinning this attitude is the idea that fintech start-ups will somehow obliterate the incumbent financial services industry in the next few years. We think that this unlikely because fintech isn’t “another sector.” And while there will continue to be some “us against them” tension, the divisiveness is unwarranted; incumbents and start-ups are part of the same family. Fintech start-ups seek to satisfy the same needs as incumbent firms and while free from legacy encumbrances, many have too few customers, too much confidence and too little respect for the regulatory environment in which they operate. Over time, promising companies based on solid technologies could falter as a result.

·       Fintech is becoming too hyped in certain areas. Even though venture funding cooled in Q4, 2015, deal activity remains high, as do valuations, especially on the consumer side of fintech. Accelerators, incubators and now start-up factories have cropped-up to participate in the global fintech boom. Many of these initiatives are crucial, since they compensate for the lack of financial services innovation in the years leading up to the financial crisis. Unfortunately, half-baked business models, me-too companies and fintech “tourist” investors looking for a quick trade seem to be on the rise as well.

·       Some large incumbents are riding the fintech wave without a plan. Just as politicians, commissioners and contractors jumped on the Manhattan Bridge project over a century ago, it now seems that every major incumbent is getting fintechier. Although some large banks, payments companies, insurers and asset managers are making solid progress, others seem to be grasping. One reason may have to do with the boards overseeing large firms, which often consist of prominent financial and corporate executives whose last personal brush with technology involved a Commodore VIC-20. With some notable exceptions, you’d be challenged to find many large firms represented by directors who have more than a topical understanding of cloud computing, enterprise software or artificial intelligence, let alone how these innovations can reshape the financial services world. Would you want to ride across a bridge whose construction was overseen by non-engineers?

If you find yourself in lower Manhattan or Brooklyn this Spring, we encourage you to reflect upon the Manhattan Bridge in between your admiring gazes at that other bridge. And when you do, and especially if you care about financial innovation, keep in mind that a solid foundation is the most important thing in building anything new and meaningful. Bridge or otherwise.

Source: http://www.thefinancialrevolutionist.com/opinion/2016/3/24/fintech-lessons-from-a-troubled-bridge-over-new-yorks-waters
1085  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 28, 2016, 12:05:04 PM
67   DNotes DNotes   $ 935,127   $ 0.008486   110,191,427 NOTE   $ 6,424   35.53 %

It's helpful not to run about in the rain every time the price lifts, but this rise has doubled the amount of crypto I have liquid for the Cryptopia effort. (Tee hee -- I have a strict 'exchange-risk protocol,' so I don't trade NOTE on Poloniex 'cause I trade other cryptos there, and those keep me 'at my limit' there.)

Mark (IndiaMikeZulu), Australia

Yesterday was an interesting day for DNotes. I hope most of the buying was for long term investment. DNotes has significant long term potential based on what we are working on. Near term - it's anyone's guess. The market is still highly volatile.
1086  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 27, 2016, 02:00:52 PM
The NIRP Thing?

The BoJ’s recent policy failure is the latest in a series (Fed, BoJ, PBOC, ECB) that is leaving the emperor looking nakeder and nakeder.


Little Markie just getting back to struggling with the buy-sell split on Cryptopia:

Poloniex is presently 1497-1494 – niiiice!
But Cryptopia is still 1550-1253

Mark


Thank you for your great support, Mark. There were a few large blocks on the sell side at Poloneix. They seem to be all cleared now.
1087  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 27, 2016, 01:57:21 PM
Happy Easter everyone!

Happy Easter Brandon.
1088  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 27, 2016, 01:56:02 PM
Happy Easter to our friends and family around the world.

I will be with family all day.
1089  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 26, 2016, 02:56:59 PM

It is thought provoking. However, that is probably an accurate representation of industry-wide frustration and fear of, “destroying a burgeoning industry from the inside.” That fear is not groundless. I don’t think that it is likely, but yes Bitcoin could still fail.

“Time for action” is a great idea but who is going to lead, and can enough people recognize the right direction if they are being led to one?

There is too much noise and confusion. Yet the payoff is way down the road even if you are on the right path. The willingness to commit to the long term and working together collaboratively for mutual benefits is a rare breed, though that is what it will take. DNotes is committed to do all the right things. But even for us, it's hard not to feel lonely sometime while traveling down a uniquely different path.

Time for action

The revolution has begun.

It's not a revolution that many have noticed and, even with all of our bluster, it can still fail. But let's not let it.

There is no upside to abandoning one of the most unique and potentially life-saving financial technologies in the world, but there is also no upside to ignoring the problem of slow-moving major players, a petty user base that sees conspiracy in every Reddit post and bankers who chortle at blockchain in public and invest millions into it in private.
You say you want a revolution. Make one.”


Read more: http://www.coindesk.com/land-1000-bitcoin-wallets/

1090  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 26, 2016, 04:26:07 AM


Please check out this story on CryptoMoms - http://cryptomoms.com/forum/index.php?topic=1312.msg6516#msg6516

Excellent cause and story behind it. You have our support. I would suggest that this type of project would do much better on a social / crowd funding site like gofundme, I'd be willing to bet it would get substantial support there.


What she is looking for is someone who has the know how and experience to take a new product to market. She said that she doesn't even know where to start, which is probably why she went with an 'invention company'.

I told her I would post her story on CryptoMoms and then it could be used as the story link for Twitter and Facebook to get the word out.

Shark Tank, or perhaps a venture capitalist (if they took over getting the product manufactured??), would probably be a good fit.

Are there any crowd funding sites that would guide someone through this?


Her story is touching and Joe's suggestion of using crowd funding may be her best bet. She may have to pick one that is more charity oriented. Joe mentioned GoFundme. A second one is CrowdRise.

What I am concerned about are the complexities of coming up with a viable business model and the necessary skill sets to execute. It takes a lot more than money to take it to the next level. I would be surprised if any VC would even look at it. Looks like she needs someone with the right experience to work with her.


GoFundMe vs CrowdRise

GoFundMe and CrowdRise are two popular crowdfunding sites that allow individuals (like you!) to raise money for different personal expenses, causes, and charities. Just like there are subtle differences between Kickstarter and Indiegogo, two popular reward-based crowdfunding sites, there are also similarities and differences between these two platforms. Choosing the right platform for your needs is key.

Do you want to raise money for a charity? Are you fundraising for unexpected medical expenses, or to cover education costs? This GoFundMe vs CrowdRise comparison should help clear up some details about each of these fundraising services and give some insight as to which one is best for your situation.

GoFundMe is a crowdfunding site that markets itself as a platform where individuals can raise money for a wide variety of personal causes for established charities. This platform has categories for just about any cause you can think of, and an ‘other’ category in case your cause is really out of the box.
They also have a special section for major event fundraising – like Ferguson Rebuilds, Philippine Typhoon, and Colorado Flooding. GoFundMe allows users to raise money without a campaign deadline or to choose an all-or-nothing model (you must hit your goal to keep the funds raised.

“San Diego-based GoFundMe was launched on May 10, 2010 and has quickly become the World’s #1 fundraising site for personal causes and life-events. Hundreds of thousands of people have raised over $700M from 8M donors for the things that matter to them most.” – Source.

Categories: medical, volunteer, emergencies, education, memorials, sports, animals, business, charity, community, competitions, creative, events, faith, family, national news, newlyweds, other, travel, and wishes

Cost: GoFundMe takes a 5% fee while the cost of credit card processing depends on your location (2.9% + $0.30 for USA and Canada) or if you are a charity. For information on pricing for other locations see this page.

Notable campaigns: There have been several campaigns that have gone viral in the media on GoFundMe, including money raised for Boston Bombing victims and businesses that were harmed during the Ferguson protests. I’ve included snapshots of them below. For more campaigns, check out our list of inspiring GoFundMe projects or those listed on the GoFundMe website.

“San Diego-based GoFundMe was launched on May 10, 2010 and has quickly become the World’s #1 fundraising site for personal causes and life-events. Hundreds of thousands of people have raised over $700M from 8M donors for the things that matter to them most.” – Source.
Categories: medical, volunteer, emergencies, education, memorials, sports, animals, business, charity, community, competitions, creative, events, faith, family, national news, newlyweds, other, travel, and wishes

Cost: GoFundMe takes a 5% fee while the cost of credit card processing depends on your location (2.9% + $0.30 for USA and Canada) or if you are a charity. For information on pricing for other locations see this page.

Notable campaigns: There have been several campaigns that have gone viral in the media on GoFundMe, including money raised for Boston Bombing victims and businesses that were harmed during the Ferguson protests. I’ve included snapshots of them below. For more campaigns, check out our list of inspiring GoFundMe projects or those listed on the GoFundMe website.

Read More:  http://www.crowdcrux.com/gofundme-vs-crowdrise/
1091  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 25, 2016, 06:47:51 PM
I am interested to hear what this new book has to say on digital currencies.


The FINTECH Book: The Financial Technology Handbook for Investors, Entrepreneurs and Visionaries

THE FIRST GLOBALLY CROWDSOURCED BOOK ON FINTECH

The FinTech Book is the leading guide to the financial technology revolution—including the disruption, innovation and lucrative opportunities. Created by two prominent thought leaders in FinTech and the associated investment space, this groundbreaking guide showcases the leading industry influencers in FinTech in a single, informative volume.

Entrepreneurs and investors will find this an invaluable resource to uncovering new opportunities and maximizing their ROI in this growing market. This inspiring book covers every major industry development in depth, complete with firsthand insights and lessons learned by practitioners at the cutting edge. This first comprehensive volume on the global state of FinTech gives you a distinct competitive advantage by:

Illustrating the ins and outs of the industry with the leading figures at the centre of the action
Detailing the unique market dynamics of the FinTech revolution
Illuminating the diverse potential of the sector and the various ways it can impact related industries
Showing you firsthand how other investors and entrepreneurs have risen to the top of this dynamic environment
Explaining key themes such as API economy, behavioural biometrics, blockchain, digital currencies, financial inclusion, fintech hubs, mobile payments, predictive algorithms, and robo-advisors.

Whether you are responding to disruption or wanting to profit from innovation The FinTech Book is for you.

http://ca.wiley.com/WileyCDA/WileyTitle/productCd-111921887X.html


It will be interesting to find out. It could be just a brief mention:

"Explaining key themes such as API economy, behavioural biometrics, blockchain, digital currencies, financial inclusion, fintech hubs, mobile payments, predictive algorithms, and robo-advisors."

1092  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 25, 2016, 06:37:01 PM
Ran across two great articles on blockchain today that are worth a mention. I'll send the other in a separate post.  Bitcoin Remains The Sole True Use Case For Blockchain Technology

If you talk to a Bitcoiner – or what’s hipper is a blockchainer – you will undoubtedly hear a highly optimistic opinion of the technology behind Bitcoin. And that’s fair enough, as some of the most influential companies in the world entered into a space that not yet a decade old.

There are myriads of ideas thrown around about how the blockchain and Bitcoin can revolutionize how the world operates. Blockchain, it seems, can do anything. If you ask some, its a chaordic system – in the Dee Hock spirit – and if you ask others it can create a new digitized superstructure to prop up the institutions that exist today in the world. Blockchain can literally power finance like oil powers the modern economy.

Yet, despite the scoffing at Bitcoin that takes place among many of the blockchain participants, there is obviously no doubt that Bitcoin remains by far most useful example of how blockchain can be used. You could even say it is, in fact, the only use-case which has succeeded in any meaningful way. This is important. What if nothing else ever comes to be of blockchain technology?



I agree with the author that, “Bitcoin remains by far most useful example of how blockchain can be used.” Granted that the first application of Bitcoin is digital currency, or money, it has fundamentally transformed every aspect of money as we know it. At DNotes, we acknowledge, without any doubt, that neither Bitcoin nor any other digital currency, as of today, has met the full functions of money. However, we believe that it can be done. It will take time and strategic positioning in multiple areas, followed by great execution of those strategies. DNotes has been doing just that.

Our industry has a tendency to make things sound really complicated as if there is an advantage to create confusion to cover up the lack of knowledge or plain ignorance.

Essentially, there are three key components of Bitcoin that led me to the conclusion that it is the greatest technology revolution since the internet – money, global payment system, and immutable bookkeeping blockchain. We are committed to deliver all three. Most challenging and valuable of all is the first – money or digital currency. DNotes will meet and exceed the full functions of money one day. It will be superior to fiat currency. That is our vision and we are sticking to it.

There will be many viable commercial applications using blockchain technology where indisputable time stamped transactions and record keeping are important to the extent that those records can not be altered or removed once confirmed. They may be available for anyone anywhere to verify or limited to the “permissioned” group to do so. There will be a few key players that will reap massive rewards, some less so, but a lot of “me too” will be led down the wrong path. Sadly, that is how it always works. Nothing unusually, the majority or 60% of startups failed within the first five years. It will be nice if 60% of them succeed instead.
1093  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 25, 2016, 03:33:44 AM
Congratulations to CryptoMoms! We just blew through 20,000 Registered members.

20,077 Registered members as of March 24, 2016 10:30 pm CST.
1094  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 25, 2016, 03:24:57 AM
Here is a good article on smart contract worth reading:

9 Myths Surrounding Blockchain Smart Contracts

William Mougayar (@wmougayar) | Published on March 23, 2016

William Mougayar is a Toronto-based entrepreneur, Ethereum Foundation advisor and advisor to Consensus 2016, CoinDesk's flagship conference. He is also the author of the upcoming book, The Business Blockchain.

In this feature, Mougayar explores and attempts to debunk some of the biggest misconceptions related to blockchain-based smart contracts.

Smart contracts are a key underpinning of blockchain technology, yet they are still misunderstood in many ways.

In the fullness of their deployment, they will be no less revolutionary than the invention of the HTML markup language that allowed information to be openly published and linked on the Web. Smart contracts promise to program our world on the head of blockchains, and potentially replace many functions currently executed by expensive or slow intermediaries.

Historically, the concept was first introduced by Nick Szabo in 1994. Smart contracts then had a long gestation period of inactivity and disinterest, because there was no platform that could enforce them, until the advent of blockchain technology in 2009. Now, smart contracts are entering their prime, especially since Ethereum has popularized them further by making their programming a basic tenet of their blockchain's power.

Like any new buzzword, the more a term gets popular, the more it spreads around. The more it will get used, but also misused and abused. It will mean a lot of different things to different people.

Here’s a list of 9 misconceptions about smart contracts, and my efforts to debunk and explain away those misconceptions:

1. Smart contracts are the same as a contractual agreement

No. If we stick to Nick Szabo’s original idea, smart contracts help make the breach of an agreement expensive because they control a real-world valuable property via "digital means".

So, a smart contract can enforce a functional implementation of a particular requirement, and can show proof that certain conditions were met or not met.

These can be fairly strict implementations, eg if a car payment is not made on-time, the car gets digital locked until the payment is received.

2. Smart contracts are like Ricardian contracts

No. Ricardian contracts, popularized by Ian Grigg, are semantic representations that can track the liability of an actual agreement between parties.

These can also be implemented on a blockchain, with or without a smart contract. Typically, multiple signatures are part of a Ricardian contract's execution.

3. Smart contracts are legally enforceable

Smart contracts are not law (yet), but they could represent pieces of a legal agreement. The legalities around smart contracts are a work in progress.

A smart contract outcome could be used as an audit trail to prove that terms of legal agreement were followed or not.

4. Smart contracts include Artificial Intelligence

Smart contracts aren’t really that smart on their own.

Smart contracts are really software code that runs on a blockchain, and they are triggered by some external data, that lets them modify some other data.

So, they are closer to an event-driven construct, more than artificial intelligence.

5. Smart contracts are blockchain applications

Smart contracts are usually part of a decentralized (blockchain) application. There could be several contracts to a specific application.

For example, if certain conditions in a smart contract are met, then the program is allowed to update a database.

6. Smart contracts are easy to program.

Yes and no. Writing a simple contract is fairly easy, especially if you are using a specific smart contract language (eg Ethereum’s Solidity), which lets you write complex processes in a few lines of code.

But there are more advanced implementations of smart contracts that use "oracles". Oracles are data sources that send actionable information to smart contracts.

7. Smart contracts are for developers only

True today, but we will soon see more user-friendly entry points that will allow any business user to configure them via a graphical user interface, or perhaps a text-based language input.

Ethereum's Mist browser is a step in that direction.

8. Smart contracts are not safe.

Not true. Even in the Ethereum implementation, smart contracts run as quasi-Turing complete programs, which means there is finality in their execution, and they don’t risk looping infinitely.

9. Smart contracts have limited applications.

Not true. Like HTML, the applications are limited by whoever writes them. Smart contracts are ideal for interacting with real-world assets, smart property, IoT, and financial services instruments.

They apply to almost anything that changes its state over time, and could have a value attached to it

Source:  http://www.coindesk.com/smart-contract-myths-blockchain/

1095  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 24, 2016, 02:58:30 PM
There are a number of people peddling Onecoin ("Onecon!"), one of the most outspoken is a blogger named Ken Labine (Canada). Anyway, he and I have gotten into it. HERE I go off on how he expresses great triumph in Onecon having white-labled (well, at least temporarily, as you will see) a Mastercard:

Ps. This is my FIRST post on bitcointalk, although I've been following for years. Also, I've read nearly all of the Paycoin (XPY) story and comments here, since around December of 2014, when it looked like trouble would start brewing for GAW and Homero. Curiously, Onecon is following VERY SIMILAR footsteps with bombastic claims, which I will outline in my next post. But for now, at least learn about what a great deal their "OnePay Card" is (typing that just felt eerily reminiscent of Garza's cutesy labels for his scam)

-------------------------------------

ME: Now, I am watching this video of yours: https://www.youtube.com/watch?v=-cUfJdYKRtc
"OneCoin - FIRST CANADIAN USING ONEPAY CARD LIVE" Published on Feb 17, 2016


Ken Labine Quote from video: "First you can see the OnePay card being used ....this is HUGE..."
ME: Actually it's not. Unless you are talking about the fees to use the Pre-Paid card being HUGE; becausae they are. It's not even a credit card, its simply a prepaid card with ridiculous fees and a Onecoin logo. That's it.


And take note of how much you are being raped in fees!!
QUOTE: December 1st, 2015:
● The FEE to load OneCoin Prepaid Card is 5% on the transfered amount, minimum of €25 per transfer
● Maximum amount to transfer per day from OneCoin Cash Account to OnePay: €5000
● The FEE to transfer funds from OneCoin Cash Account to OnePay: €16


ADDITIONAL ONECOIN CARD FEES TO FURTHER BENEFIT RUJA AND HER PONZI:
● New card FEE - 20.00 EUR
● Card replacement FEE - 20.00 EUR
● ATM balance inquiry FEE - 3.00 EUR
● ATM withdrawal FEE - 3%, min 4.50 EUR
● ATM decline FEE - 1.50 EUR
● Manual Cash withdrawal FEE - 7.5%, min 10.00 EUR
● Purchase FEE - 1.50 EUR
● Chargeback FEE - 30.00 EUR
● Check Refund FEE - 20.00 EUR
● Currency conversion FEE -5%
● Inactive card FEE - 2.00 EUR
● Card loading FEE - 5% min 25.00 EUR
● Copy/Retrieval request FEE - 10.00 EUR
● Deactivation or reactivation FEE - 20.00 EUR
● Internet Banking Monthly service FEE - 1.25 EUR


total one time fees: > 168.75 EUR!!!!!
(IF dinged once for each/ obviously, MANY are recurring)


SOURCE: https://onecoin.mycardplace.com/cholder/brands/zalagroup/OneCoin27112015.pdf?random=206.0


WHO THE HELL IN THEIR RIGHT MIND WANTS TO BEND OVER AND PAY THIS?!?!?


This is just ANOTHER example of Ruja screwing people over BEFORE she pulls the rug out from under them, altogether.


ALSO: Any company can co-brand an MC Pre-paid Debit card (its lucrative, so why not?):
SOURCE: https://www.mastercard.us/en-us/merchants/grow-your-business/find-solutions-by-need/co-branded-cards.html


ME: As seen here: http://peakfinancialservices.eu/wp-content/uploads/2015/02/whitelabelcard1.jpg


ME: and not unlike "Bob Card" Mastercard: http://smashinghub.com/wp-content/uploads/2012/01/20-bobcard-exclusive.jpg


--------------------------------------------------------------------------------------------------------------


Ken Labine Quote from video: "At first I was saying, 'Where can I use my Onecoins?" - "Anywhere where Master Card's accepted...." - "But what this video made me realize is that I'm able to use Onecoin ANYWHERE where paper money is accepted..." - "...people are using their coins..."
^^^^
ME: NO THEY ARE NOT USING THEIR ONECOINS ON THIS CARD. LIAR!:
SOURCE: http://makemoneywithonecoin.com/onecoin-card/
QUOTE: "Note that you can only load your card in EUR (Check your application status: Money Accounts>Card Request)"


SOURCE: https://onecoin.mycardplace.com/cholder/brands/zalagroup/OneCoin-FAQ-02A.pdf?random=86.0


--------------------------------------------------------------------------------------------------------------
ME: Furthermore, THIS IS THE HOLDING BANK


THE DIRECTOR OF ONECON'S EXPENSIVE DEBIT CARD's HOLDING BANK HAS JUST BEEN CONVICTED THIS WEEK OF CRIMINAL GANG INVOLVEMENT AND SMUGGLING 24 MILLION EUROS OF DOLLARS WORTH OF DRUGS INTO THE U.K.!!!!!!


THE FOLLOWING IS PROOF SOURCE:


Bank:North International Bank LTD and its successors and assigns as applicable;
Participating Company:Zala-Group LTD, client of the Bank providing prepaid card
issued for the program;
PIN: Personal Identification Number;
Prepaid Card: your personalized Prepaid Card issued by the North International
Bank LTD;
SOURCE: https://onecoin.mycardplace.com/cholder/brands/zalagroup/OneCoin27112015.pdf?random=206.0

Martin Henry Beckett – Sole Director of Zala-Group LTD
SOURCE: http://companydb.uk/09630600-zala-group-ltd#.VvLybvkrLIX

Conviction:
SOURCE: http://www.standard.co.uk/news/crime/drugs-gang-found-guilty-of-smuggling-24-million-worth-of-cannabis-in-carpets-a3207336.html
DOES THE METROPOLITAN POLICE WORK FOR YOU AS A SOURCE, KEN?!?
SOURCE: http://news.met.police.uk/news/drugs-gang-convicted-156447
SOURCE: http://www.macintyrehudson.co.uk/martin-henry-beckett-bankruptcy
_______________________________________________________________________________ ____

ME: And remember when we discussed this Ken?

“The source, who worked for some months at OneCoin, prefers to remain anonymous, even though he is no longer employed with them:
“Once I was threatened by them, and I do know Ruja is part of some underground circles in Bulgaria. I'd like to remain anonymous. I really hope to contribute to the truth!”
Well, these are the sorts of ducks which will continue to begin falling in a row the more this scam is perpetuated. THIS is some good JOURNALISM right here, Ken!

SOURCE: http://cointelegraph.com/news/onecoin-a-voice-from-inside-is-there-underground-circles-in-bulgaria

So, maybe THIS is the type of “Due Dilligence” your new recruits and downline should have taken before signing up!



I really enjoy in depth analyses with referencing like the one you've shared Tim Tayshun, thank you.

I'm very impressed that you've read all of so many different coins forum posts, including the DNotes thread. I stopped reading other forums when I got sick of how childish they were.

That's really cool having set up a 2 way Bitcoin ATM. Be so cool to have something like that over in NZ / AU.


Agreed, it's hard to pick up information when 3/4 of their entire thread is squabbling and bickering at each other.

Tim Tayshun you did a great job collecting information on Onecoin, thanks for bringing us all up to speed.

Just dropping in briefly to say hello to everyone and to welcome TimTayShun to DNotes forum. We certainly appreciate the sharing of your experience with OneCoin.
1096  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 23, 2016, 04:36:12 PM

I try to stay neutral in my opinion of other coins, but this one has always looked sketchy. They have been on the radar of numerous authorities, but somehow still operating. Do they have to collapse with everyone's money, before something is finally done?


OneCoin Ponzi Scheme Adjusts Tactics To Recruit More Members

http://themerkle.com/onecoin-ponzi-scheme-adjusts-tactics-to-recruit-more-members/

Though I haven't spent much time researching their model, I steer far away from any MLM type schemes that rely on tiered recruitment.

They should rename it "MadoffCoin"  Grin


It is a shame that we are still seeing a lot of questionable activities going on in our industry.


Agreed but, lets take that a step or two further shall we? It's a shame we are still seeing a lot of questionable activities going on in the financial industry. I think we are pretty much following the curve in that regard. It takes a long time, longer than crypto has been in existence to shake out the obvious crooks and scams. And, even having done that, the less obvious and smarter schemes will always remain just under the radar. And this is something we have always lived with and, I fear, will always live with. Human nature is sometimes our worst enemy but, it can also be our best friend. Depends on what side your on...

 


Just discovered this - Cryptopreneurs Radio has been heavily involved in OneCoin since October. They are currently having a OneCoin-hour show because of the scam headlines.

Tough Talk Radio ‏@TTRNetwork  47m47 minutes ago Katy, TX
http://tobtr.com/s/8547909  #Cryptopreneurs #OneCoin @SusanKherkher @randystrain

http://www.blogtalkradio.com/toughtalkradionetwork/2016/03/23/cryptopreneurs-radio-with-tony-gambone-and-linda-ballesteros

That should be interesting. I'll put it on in the background.


All the signs are there staring these people in the face but they refuse to accept the truth.

http://cointelegraph.com/news/one-coin-much-scam-onecoin-exposed-as-global-mlm-ponzi-scheme


I hear you, RJF. We all live in a very challenging world with the good, the bad, and the ugly in terms of human behaviors. There are many things we are up against that we wish we can change, but will result in vain even if we try.  The best that we can do is to ensure that DNotes will provide a worthy alternative to those who believe that we will protect their best interest before ours.

1097  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 23, 2016, 02:22:47 PM

I try to stay neutral in my opinion of other coins, but this one has always looked sketchy. They have been on the radar of numerous authorities, but somehow still operating. Do they have to collapse with everyone's money, before something is finally done?


OneCoin Ponzi Scheme Adjusts Tactics To Recruit More Members

http://themerkle.com/onecoin-ponzi-scheme-adjusts-tactics-to-recruit-more-members/

Though I haven't spent much time researching their model, I steer far away from any MLM type schemes that rely on tiered recruitment.

They should rename it "MadoffCoin"  Grin



It is a shame that we are still seeing a lot of questionable activities going on in our industry.
1098  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 22, 2016, 09:42:58 PM
Blockchain Tech Enables Utah Republicans to Vote for Candidate

https://www.cryptocoinsnews.com/blockchain-tech-enables-utah-republicans-vote-candidate/

Registered members of the Republican party in Utah will be able to nominate a candidate for the United States Presidency by placing a vote without having to visit polling stations by submitting them via the internet at the party’s website. The votes will be submitted and secured on a blockchain.

For the first time ever in the United States, a state party has enabled voting via the internet. Members of the Utah Republican party will be able to cast their ballot to vote today for this year’s Republican presidential nominee by registering online at the party’s website.

The online voting infrastructure is secured and powered by Smartmatic, a British firm with experience in online voting solutions around the world.

Smartmatic will use a private blockchain along with end-to-end encryption, enabling registered Republicans in Utah to cast their vote online.

Once registered, users will each obtain a unique cryptographic key that they will need to enter online while casting a vote. Voters will also be able to learn about the candidates and change their ballot before submitting their vote. Once submitted however, the recorded vote is permanent and cannot be changed.

Mike Summers, program manager at Smartmatic and a key developer of its blockchain-based voting technology contends online voting is here to stay for the convenience that it offers and party members young and old are signing up in numbers. Indeed, a Wired report contends that 59,000 Utah Republicans have already registered online for casting their vote onto the blockchain.

Furthermore, Summers adds that the online voting system is secured against vote tampering, due to the implementation of the firm’s cryptographically secure blockchain.

Online voting also brings significant advantages over offline votes submitted toward a physical ballot, even more-so in a state like Utah. A significant majority of the state’s residents are members of the Church of Latter Day Saints, commonly known as Mormons. Mormons often spend several years abroad for missionary work and up till now, had to depend on postal voting which are fundamentally unreliable.

Missionaries, travelers, U.S. military service personnel and citizens abroad the country have had to rely on ballots sent over the mail. With online voting solutions that see votes registered and secured on a blockchain, the democratic voting process just got simpler.

This is historic and a great use case. "Smartmatic will use a private blockchain" In this case, that is the most appropriate arrangement. It is for a specific group "Registered members of the Republican party in Utah" for a specific function "cast a vote". And best of all, one can vote from anywhere worldwide. The owner of one private key owns one vote. Once it is spent, confirmed, and recorded on the ledger, it is verifiable but can not be changed and manipulated or tampered. I can see how this could gain mass acceptance in the not so distance future. It will be great for the industry in terms of generating awareness.
1099  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 22, 2016, 02:35:09 PM

Thank you, RJF. We will be launching it through KickStarter to drum up initial support for the project with a small pre-sell target. Anyone who can support me with a small pledge to buy a copy of the book will be greatly appreciated.
  

You can count me in for a copy, can I pay with Bitcoin? I really don't want to spend any DNotes because the future of DNotes is looking very bright!

Well, for the kickstarter portion, we will only be able to use what kickstarter accepts. Which at the moment is only debit/credit cards. Other forms of payments will be available after the launch, kickstarter will begin prior to launch.


Wow - lot's of interesting info on the DNotes' thread today!

I'll take 3 or 4 books.  Smiley Smiley

That is very much appreciated. Thank you very much, Chase.

The Kickstarter campaign is a great opportunity for us to promote pre-sale of the book. Anyone who is in the position to support us will be greatly appreciated. However, do not feel obligated though. We are thinking of offering a limited number of E-books over a limited time to be given away free for those who can not afford it. We will be posting details here, should we decide to do that. Additionally, anyone who can give the book an objective review will be very much appreciated.

This book means a lot to me but most importantly it could be invaluable to a lot of business owners and those who are contemplating in starting a new business. I am challenged to help reduce the high rate of business failures currently in excess of 60% of startups in the first five years. There are many reasons for the high rate of failures. It must start with you the owner, the leader, and the coach. Among others, creating a favorable culture for the benefits of everyone is a great starting point. Your company can enjoy greater inspiration at every level when mutual dependence, mutual cooperation, and mutual benefits are emphasized by everyone at all levels.

Quote of the day, "When you can inspire those who follow you to not only appreciate great leadership skills but also strive to develop them in themselves, you will find that they become even better followers too."

This book is a key foundation block of our ecosystem. It is a pathway of DNotes towards mass acceptance on a global scale. Those who read the book carefully will come to understand that everything DNotes has been doing is reflected in the book. It is about coming up with a very long term vision, develop a whole series of winning strategies, and execute them flawlessly over a period of time. It is about developing and launching a whole series of highly scalable building blocks that are all strategically linked. DNotes is a very large scale work in progress project that is not easy to understand when one just look only one or two things like DNotes the currency (that is just 1 among 1000 and nothing special by itself now or CryptoMoms for the matter) For now that is a correct assessment.

DNotes goes way beyond that. As a system, each piece is like a gear or a component. When we completed building all the parts and assembled them into a system - it becomes a very powerful machine.

In essence, that is what we have been doing. Hope you will enjoy reading the book. It is uniquely different and refreshing. There may not be another business book like it. If I am wrong, let me know. I am always looking forward to read more good books.
 
1100  Alternate cryptocurrencies / Announcements (Altcoins) / Re: [ANN][NOTE]DNotes - Company Launch and Book for Small Business Owners in 2016... on: March 22, 2016, 01:57:31 AM
Quote from: indiamikezulu on March 21, 2016, 11:53:32 PM

Ian and I are trying to arrange a meeting with the head of the Commerce and IT Department of our local college. WTS.


Hmmm . . . while trying to figure out if Connecticut is going ‘bankupt’ as well as Puerto Rico and Illinois, I found this:

“Many more [nations], from Senegal to Laos, lie in a debt danger zone, where an economic downturn or a sudden jump in interest rates on world debt markets could lead to disaster.”

http://www.theguardian.com/business/2015/jul/11/beyond-greece-world-filled-debt-crises [My italics]

The report is already dated – mid-2015 -- but more interesting is that other lists of the same type list other nations: that is, the list is longer.

All these nations are candidates for crypto adoption.

Quote From Shepherd Today:

Illinois is not exactly out of the woods yet, but it is getting a little better. As long as nothing major blows up anytime soon I think we can manage to get by.

If we look at the world as a whole, we are getting progressively worse. But no one wants to see the whole system collapse; so collectively our political leaders will always make a last minute bailout attempt and just create more money out of thin air. Eventually, there may be no more place to hide.  In the mean time, we need to build trust and awareness so that digital currency like DNotes and others can be a viable investment alternative, just in case.
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