CRISP is The Engine of Growth for DNotes and the Vehicle to Mass Acceptance of Digital Currency

With the new roll out of CRISP for Retirement, following CRISP for Kids this current family of two will be expanded to a family of five by June this year. More could be added later. Each of them has a mission of its own and a primary marketing target. The synergistic effect of them all, leveraging on the strength of each other, will deliver a powerful punch; the network effect with ever gathering strength. That will be the engine of growth for DNotes and the vehicle to mass acceptance of Digital Currency.

CRISP For Kids will be the pride of parents and grandparents for years to come and will be the flagship of CryptoMoms. Now that CryptoMoms has established a good foundation, we will soon be ready step up a PR campaign to encourage women’s participation in digital currency. Director – Chase.  Primary target = women

CRISP For Retirement will have a general appeal to anyone who wants to supplement their underfunded individual retirement savings account with DNotes for high potential returns. Beyond that, it is our “foot in the door” to reach out to small business owners with revenue of $1 to $50 million. Our mission is to promote ownership of DNotes among small business owners who will be the drivers of mass merchant adoption of DNotes as a medium of exchange. Many winning strategies are being incorporated as part of our overall strategic plan.  Director – RJF. Primary target = small business owners.

CRISP For Students will initially focus on university and college students. It could rapidly spread to include younger students. Our mission is to grow the next generation of DNotes stakeholders and be a real solution to student loan crises. A dedicated website serving a wide variety of students needs is likely. This will include an online market place for students worldwide as well as special education projects and scholarship funds. Director – TeeGee. Primary target – students.

Stay tuned for more ……

It has been a great day. Thanks for being so supportive and a real inspiration to all of us. It makes all the hard work well worth it.

Happy Birth DNotes!!! And ten thousand more to come.

New Thread for our Spanish Friends around the world.


infovortice2013 has kindly started a new thread for our Spanish friends around the world. Please visit and leave a post if you have a chance. If possible post in Spanish. Thanks.




https://bitcointalk.org/index.php?topic=958856.new#new

Great job, infovortice2013. You must have stayed up all night to bake that delicious looking Birthday Cake for DNotes. I am sure it was done with much love. Thank you and Happy Birthday to DNotes with every best wishes to everyone and all.

Like to start your day with a good laugh?

Here is one at Chase's expense:

"CR.I.S.P. is the brain-little one of Chase, a core group participant of CryptoMoms a neighborhood with a dedicated mission to influence as well as aid gals to take part in the cryptocurrency world presently controlled by men. CryptoMoms.com is a money neutral website, supplying rich material on nearly everything about cryptocurrency. It has a very useful neighborhood readied to respond any kind of questions quickly. CryptoMoms was created by, as well as is totally funded by, the DNotes group."

http://bitcoinmythsexposed.com/

Excellent. I was hoping that it would show up in Yahoo Finance. This is our sixth appearance on Yahoo Finance, a leading online international financial publication.

FPA is a very respectable International Association of Financial Planners. I believe that a lot of their 24,000 members worldwide are CFPs (Certified Financial Planners) that have passed high certification standards, including professional conducts. In brief, their recommendations are objective and carry much weight.

They concluded that even though Bitcoin has not demonstrated the attributes of a successful currency, their empirical analysis suggested that “individual investors can benefit from holding a small amount of Bitcoin in a diversified portfolio… the analysis demonstrates that adding Bitcoin to an investor’s portfolio does enhance efficiency.” They recommended that “Bitcoin should only be held as a minor component of a well-diversified portfolio, such as in a market-weighted basket of major asset classes.”

I share Chase’s excitement of FPA’s conclusion especially with the availability of DNotes being a stable digital currency with a proven track record of reliable long term appreciation. It is conceivable that once DNotes is discovered by professional investors and CFPs the recommendation to include DNotes as a minor portion of a well-diversified portfolio or asset allocation, may be made with far less reservation. That could be of material positive impact on DNotes valuation.

Thanks to Chase. I have no doubt that CRISP is on the right track. I will make a brief post on our family of CRISPs tomorrow.

Just a little history.
CR.I.S.P. is the brainchild of Chase.


Kids with a CR.I.S.P.
« on: July 26, 2014, 01:35:44 PM »
Quote from Chase:

“Kids with a CR.I.S.P.”  (Ctyptocurrency Investment Savings Plan)

Crypto Moms will be helping to teach kids (and their parents) about the importance of a long term savings plan for cryptocurrency by introducing the CR.I.S.P.  This is an unstructured and self-directed plan, meaning you can deposit as much as you want, whenever you want.  Since digital currency is relatively new, there is the potential for significant profit for early adopters.

This is a challenge to all Crypto Moms to help out a child by:
-registering them for a Crypto Moms account
-helping them set up an account on at http://dnotesvault.com/
-show them how to post on Crypto Moms (click "REPLY" on the bottom of the page to post)
-show them how to put their DNotes deposit address in their signature when they post ***
-put their birthday in their signature if they wish
-make a deposit to their account
-parents will have to act on behalf of small children
***  This allows for the “guardian” Crypto Mom to make deposits on the child's birthday, Christmas, etc, if desired.

Note:  It is easier to sign up multiple children following the examples used on page 3

We will help both the kids and the parents learn about cryptocurrency and how they can get more of it, often for free.  This is a great way to help out less fortunate children and an excellent way to save for your child's education.

I said all that, wow! Of course, CryptoMoms is only getting started. We have a lot of hard work ahead.

That is a great observation, but there is no clear indication of a correlation to development timeline or press release. I have spent hours looking at our chart a number of times. The patterns are so simple I can not come up with any interesting conclusions. However, I have noted that after reaching a new high it took time to gently digest that new high for a month or two before attempting for the next high. It has never gone back to the previous lows, except at the very beginning. If this trend line continues, DNotes will be an excellent store of value and eventually be very attractive as a medium of exchange. Based on this trend line, it is never too late to invest in DNotes as long as it is invested for the long term. And if you missed the last low a couple of months back, well, you missed it.

This 2nd Press Release is limited to 700 word intended to reach the mainstream news media. Please let us know if you come across major news networks and some new ones that have not covered DNotes before.


Another new one:
WCAX.com

http://www.wcax.com/story/28118633/dnotes-digital-currency-retirement-savings-plans-provide-relief-for-underfunded-retirement-accounts


DNotes Digital Currency Retirement Savings Plans Provide Relief For Underfunded Retirement Accounts

Posted: Feb 16, 2015 9:43 AM CSTUpdated: Feb 16, 2015 10:44 AM CST
This article was originally distributed via SproutNews. SproutNews, WorldNow and this Site make no warranties or representations in connection therewith.

DNotes is pleased to announce unprecedented Digital Currency Retirement Savings Plans to provide relief for underfunded retirement accounts; offering up to 12% Yearly Interest Bonus with a limit of 1,000,000 DNotes and a 100% deposit guarantee.

Illinois, USA – February 16, 2015 /MM-BitcoinPR/ —

DNotes, known as a stable digital currency with a solid and consistent uptrend, announced an unprecedented new savings plan to provide relief for underfunded individual retirement accounts. According to computing pioneer and DNotes Co-Founder Alan Yong, one million DNotes have been donated to CR.I.S.P. (Cryptocurrency Investment Savings Plan) for Retirement to encourage savers to supplement their underfunded individual retirement accounts. With any long term DNotes deposit commitment of 5, 10, 15, or 20 year duration, individuals will receive a 100% deposit guarantee, up to 12% yearly interest bonus on their deposit with 1 million DNotes limit on the bonus interest offered.

BREAKING NEWS:
CBS8.com


DNotes Digital Currency Retirement Savings Plans Provide Relief For Underfunded Retirement Accounts

Posted: Feb 16, 2015 9:43 AM CST
Updated: Feb 16, 2015 9:44 AM CST
This article was originally distributed via SproutNews. SproutNews, WorldNow and this Site make no warranties or representations in connection therewith.

DNotes is pleased to announce unprecedented Digital Currency Retirement Savings Plans to provide relief for underfunded retirement accounts; offering up to 12% Yearly Interest Bonus with a limit of 1,000,000 DNotes and a 100% deposit guarantee.


Illinois, USA – February 16, 2015 /MM-BitcoinPR/ —

DNotes, known as a stable digital currency with a solid and consistent uptrend, announced an unprecedented new savings plan to provide relief for underfunded individual retirement accounts. According to computing pioneer and DNotes Co-Founder Alan Yong, one million DNotes have been donated to CR.I.S.P. (Cryptocurrency Investment Savings Plan) for Retirement to encourage savers to supplement their underfunded individual retirement accounts. With any long term DNotes deposit commitment of 5, 10, 15, or 20 year duration, individuals will receive a 100% deposit guarantee, up to 12% yearly interest bonus on their deposit with 1 million DNotes limit on the bonus interest offered. Utilizing DNotes secure online coin storage platform DnotesVault; DNotes is now offering a wide range of individualized long term savings solutions.

Mr. Yong went on to explain that not everyone has the means or ability to save for retirement, resulting in many reaching retirement age with social security as their only source of income. Even for disciplined savers who can only save a small amount regularly, because of limited means, it can take decades to build a meaningful nest egg. This is compounded by the fact that nearly one in three Americans have withdrawn funds from their accounts before reaching retirement age.

Digital currencies such as DNotes and Bitcoin, are often characterized with huge potential growth propelled by rapidly growing investment from venture capital and wealthy individuals. As a group, $314 million was invested in this space in 2014 and is likely to exceed $1 billion this year. Being still at an early stage, investment in digital currency has the potential to yield high returns, albeit at a high risk. It is, therefore, prudent to only allocate a small percentage of one’s total portfolio for high risk investment, especially in early stages digital currency.

Closer to home, the seriously under funded individual retirement savings are also troubling. RJF, Director of CR.I.S.P. for Retirement expressed his concern, “In these uncertain financial times, it is becoming more and more difficult to maintain a retirement account that will actually see you through your golden years. We believe that the concept of using DNotes to augment your retirement savings is an important consideration.”

RJF went on to explain that CR.I.S.P. for Retirement is an unstructured and self-directed plan, using DNotes as the investment vehicle to supplement retirement savings. Re-occurring savings, in any amount, may be added at any time. This savings plan can be started with any amount of DNotes by opening an account at DNotesVault with an expanded registration at CR.I.S.P. for Retirement landing page.

CR.I.S.P. is the brain-child of Chase, a core team member of CryptoMoms; a community with a dedicated mission to encourage and assist women to participate in the cryptocurrency world currently dominated by men. CryptoMoms.com is a currency neutral site, offering rich content on everything about cryptocurrency. It has a very helpful community ready to answer any questions promptly. CryptoMoms was created by, and is fully funded by, the DNotes team.

As a stable digital currency with a solid track record of reliable appreciation, DNotes offers the potential of high returns on long-term investment. A large family of CR.I.S.Ps. is being offered in an effort to expand this investment opportunity beyond the early adopters of this emerging industry.

Among various objectives, DNotesVault will be creatively utilized to build the next generation of DNotes stakeholders using CR.I.S.P. for kids and CR.I.S.P. for students to be followed by many more innovative programs.

Yong stressed that “The beauty of DNotesVault is that we can setup and launch a new plan or program, such as a charity fund raising, as quickly as needed”.

DNotes, DNotesVault, and CryptoMoms are all strategically linked. It is a powerful package that will be used to grow DNotes stakeholders worldwide beyond the cryptocurrency industry.

Virtual currency is not legal tender, is not backed by the government, and accounts and value balances are not subject to FDIC and other consumer protections. This press release is for informational purposes only and should not be taken as investment advice.

For more information about us, please visit http://dnotesvault.com/crisp-for-retirement.php

Contact Info:
Name: Alan Yong
Email: Contact@DNotescoin.com
Organization: DNotes

Source: http://bitcoinprbuzz.com/dnotes-digital-currency-retirement-savings-plans-provide-relief-for-underfunded-retirement-accounts/

Release ID: 74957

Information contained on this page is provided by an independent third-party content provider. WorldNow and this Station make no warranties or representations in connection therewith. If you have any questions or comments about this page please contact pressreleases@worldnow.com

CRISP For Retirement is indeed the 1st Digital Currency Savings Account for Retirement, ever. All digital currencies, including Bitcoin fall under the same classification now and in the future. At this point they are all classified as "property" under IRS rules. Technically, there is legal ground to assume that even at this point, digital currency savings could be structured to claim tax deferred status. We are not taking that position. However, we believe that at some point in the future, there will be clearly established regulatory guidance permitting such treatment and official encouragement from our political leaders to promote it.

That is a cool car. I just posted it on my facebook page.

DNotes and CRISP For Retirement is expected to continue to be covered by many news outlets around the world through this week. Many will be covering DNotes for the first time such as the one below. It will be a very exciting week ahead.


First sighting at:

ILOVEBITCOIN.ORG

Posted on February 16, 2015 by adminbitcoin
 

DNotes is pleased to announce unprecedented Digital Currency Retirement Savings Plans to Provide Relief for Underfunded Retirement Accounts; offering up to 12% Yearly Interest Bonus and a 100% deposit guarantee.

Illinois, USA. DNotes, best known as a stable digital currency with a solid and consistent uptrend, announced an unprecedented new savings plan to provide relief for underfunded individual retirement accounts. According to DNotes Co-Founder Alan Yong, one million DNotes have been donated to CR.I.S.P. (Cryptocurrency Investment Savings Plan) for Retirement to encourage savers to supplement their underfunded individual retirement accounts. With any long term DNotes deposit commitment of 5, 10, 15, or 20 year duration, individuals will receive up to 12% yearly interest bonus on their deposit, as well as a 100% deposit guarantee.

Mr. Yong went on to explain that not everyone has the means or ability to save for retirement, resulting in many reaching retirement age with social security as their only source of income. Even for disciplined savers who can only save a small amount regularly, because of limited means, it can take decades to build a meaningful nest egg. This is compounded by the fact that nearly one in three Americans have withdrawn funds from their accounts before reaching retirement age.

Digital currencies such as DNotes and Bitcoin, are often characterized as disruptive technology with huge potential growth propelled by rapidly growing investment from venture capital and wealthy individuals. As a group, $314 million was invested in this space in 2014 and is likely to exceed $1 billion this year. Being still at an early stage, investment in digital currency has the potential to yield high returns, albeit at a high risk. It is, therefore, prudent to only allocate a small percentage of one’s total portfolio for high risk investment, especially in early stages digital currency.

DNotes is a Bitcoin alternative cryptographically created digital currency based on a novel decentralized peer to peer model, where trust is replaced by mathematical algorithms, eliminating the need of an intermediary such as a bank or an automatic clearing house.

Assets of value such as Bitcoin, DNotes, and other cryptocurrencies can be sent and received in minutes anytime, anywhere, worldwide without the oversight of any central authority. It takes as little as two simple cell phones, or computers with an internet connection to send and receive funds.

Unlike the costly credit and debit card payment network systems, where personal information is always at risk of being stolen with huge identity theft liabilities, DNotes transactions are only identified by a string of numbers, valuable for reference and tracking only. All transactions are posted in the blockchain public ledger and available for public inspection and verification. The complexities built in the hash functions make the successfully confirmed transactions impossible to reverse; thereby avoiding potential fraud and huge cost burdens to merchants who often have been exposed to such risk when accepting credit and debit card payments.

Bitcoin as a digital currency and the associated blockchain technologies are viewed by many highly regarded industry leaders, including Yong, as the greatest technology innovation since the Internet. Yong added that the distributed and consensus technologies coupled with the blockchain protocols have significant and positive world changing implications.

Mr. Yong went on to stress that,

“We never had and never will have a better opportunity to help the financially disadvantaged and the enormous population of the unbanked who have little means of rising from poverty.”

According to a 2012 World Bank published report there are over 2.5 billion people worldwide who are underserved or not served by banks and financial service companies. These groups, collectively known as the unbanked have limited opportunities to emerge from poverty. DNotes digital currency is the future of money with possible growth and appreciation potential for early adopters and long term investors.

Closer to home, the seriously under funded individual retirement savings are also troubling. RJF, Director of CR.I.S.P. for Retirement expressed his concern,

“In these uncertain financial times, it is becoming more and more difficult to maintain a retirement account that will actually see you through your golden years. We believe that the concept of using DNotes to augment your retirement savings is an important consideration.”

RJF went on to explain that CR.I.S.P. for Retirement is an unstructured and self-directed plan, using DNotes as the investment vehicle to supplement retirement savings. Re-occurring savings, in any amount, may be added at any time. This savings plan can be started with any amount of DNotes by opening an account at DNotesVault with an expanded registration at CR.I.S.P. for Retirement opening page.

DNotesVault.com is a secure web wallet and a strategic vehicle of DNotes to become the digital currency of the future with lasting value. Its mission is to encourage and assist everyone, worldwide, to support and participate in the high potential returns of digital currency savings. The DNotes’ team has gone to great lengths to ensure that the user interface is simple to use and easy to understand. The technology and process control, while complex, make it so secure that a 100% guarantee matching fund, always in excess of the total amount in deposited, exists with the guaranteed fund being displayed with addresses and amounts verifiable on the blockchain.
CR.I.S.P. is the brain-child of Chase, a core team member of CryptoMoms; a community with a dedicated mission to encourage and assist women to participate in the cryptocurrency world currently dominated by men. CryptoMoms.com is a currency neutral site, offering rich content on everything about cryptocurrency. It has a very helpful community ready to answer any questions promptly. CryptoMoms was created by, and is fully funded by, the DNotes team.

As a stable digital currency with a solid track record of reliable appreciation, DNotes offers the potential of high returns on long-term investment. A large family of CR.I.S.Ps. is being offered in an effort to expand this investment opportunity beyond the early adopters of this emerging industry.

Co-founder, Alan Yong explained that for mass consumer and mass merchant participation to take place, there must be a stable trustworthy digital currency to deliver the true cost advantages of an alternative form of payment, beyond just the lower cost of transactions. In the case of Bitcoin and other cryptocurrencies, high volatilities reduce all cost advantages with an added risk of currency loss if not converted to fiat currency immediately.

Mr. Yong, a well regarded pioneer and visionary in the early generations of portable computers and wireless communications, went on to say that, “Until DNotes becomes a truly valuable digital currency in our space, many may not understand or appreciate the DNotes’ approach in building fundamental values”.

He is convinced that DNotesVault has a major strategic significance. Among various objectives, DNotesVault will be creatively utilized to build the next generation of DNotes stakeholders
DNotes, DNotesVault, and CryptoMoms are all strategically linked. It is a powerful package that will be used to grow DNotes stakeholders worldwide beyond the cryptocurrency industry.

For more information please visit: dnotesvault.com/crisp-for-retirement.php

Virtual currency is not legal tender, is not backed by the government, and accounts and value balances are not subject to FDIC and other consumer protections. This press release is for informational purposes only and should not be taken as investment advice.

Media contact:
Name: Alan Yong

Organization: DNotes
Email: Contact@DNotescoin.com

This is what I just found. A Seminar on "Retirement Plan and IRA Investment in Digital Currencies" from almost a year ago. This is not unsual. If it is a good idea other people are likely to have thought of it. Could such a plan be granted tax deferred status? I believe so. By then, it would be huge, if the accumulated savings, subject to limits, could be rolled over to a ROTH IRA, as an after tax retirement account, free of tax on future earnings.

Roth IRA

"With a Roth IRA, you make contributions with money on which you've already paid taxes. Your money can then potentially grow tax-free, with tax-free withdrawals in retirement, provided that certain conditions are met".  https://www.fidelity.com/retirement-ira/roth-ira?imm_pid=1&immid=00994&imm_eid=e41730025&buf=999999


****************************
As offered by: Practising Law Institute
http://www.pli.edu/Content/Seminar/Bitcoins_Retirement_Plan_and_IRA_Investment/_/N-4kZ1z12chp?ID=214496

Audio Only On-Demand Web
Full Seminar
$129.00

Bitcoins - Retirement Plan and IRA Investment in Digital Currencies 2014 (Audio-only)
Released on: Mar. 13, 2014
Running Time: 01:08:03

•   OVERVIEW
•   FACULTY
•   CREDIT INFO
•   
Taken from the briefing Bitcoins - Retirement Plan and IRA Investment in Digital Currencies recorded February, 2014.

The use of bitcoins - the nascent digital form of currency - for purposes of the purchase of good or services has so far been relatively tiny, but reportedly growing. Its novelty and its potential as an investment asset has resulted in considerable media attention. Illiquidity, speculation, and other factors have driven large swings in the dollar value of bitcoins; which may today be considered a prototypical “Risky” asset. To some investors that could be an attractive diversification proposition. While bitcoins and other digital currencies may turn out to be unworkable or prohibited, they may develop into an integral part of the global economy. Its proponents maintain that, with the significantly reduced cost and transaction speed made possible by the internet, bitcoins can revolutionize the money transfer industry.

The emergence of bitcoins raises many legal questions, to be considered at this one-hour briefing, as to whether they are a permissible and compliant investment for retirement plans and IRAs. Given the novelty of the asset, the considerable attention given to it, particularly in the technology world, and the potential touted for it, this briefing, at a minimum, is a productive intellectual exercise for ERISA and other practitioners to have a basic understanding of bitcoins and how pension and related tax laws might apply to investment in them.

Lecture Topics  [Total Time: 01:08:03]


•   What are bitcoins and other digital currencies?
-What kind of asset is a bitcoin?
-What does an investor in bitcoins actually own?
-How are bitcoins created?
-How can Bitcoins be acquired and sold?
•   What are the key consideration for an IRA acquiring bitcoins?
-Is it a permissible investment under the Code?
-How should the IRA trustee/custodian hold the asset?
•   Can a retirement plan acquire bitcoins?
-Can a defined benefit or defined contribution plan invest in bitcoins?
-What is the indicia of ownership of a bitcoin?
-How should the trustee hold the asset?
-Could an investment in bitcoins meet ERISA’s prudence standard?
-Would an investment in bitcoins, or trading in bitcoins through an exchange, give rise to prohibited transaction issues?
-Does investment in bitcoins necessarily involve leverage or debt?
-Is it possible for a bitcoin fund to be included as an investment alternative for a 401(k) plan?
Presentation Material
•   Retirement Plan and IRA Investment in Bitcoin and Other Cryptocurrencies

Arthur H. Kohn, Howard Pianko, Antonis Polemitis

Bill Gates is my most admired person. Possibly, because I have yet to encounter a big issue I don’t agree with him. I was watching his interview on CNN this morning and obviously very impressed by his vision to help the unbanked to rise from poverty. His wife Melinda was awesome with her view point too. If I remember correctly, she started as a PR person at Microsoft and became a major influence to help Bill Gates transform from a nerd to an impressive personality at public interviews. That is not an easy thing to do. My PR people gave up on me because I hated using talking points. I prefer to focus on a few important issues and be spontaneous in responding to my audience as to what they enjoy in learning more about. I was a fairly frequent speaker at various computer, wireless communication, and business conferences for a number of years and did share the same podium with Bill Gates a couple of times.


http://money.cnn.com/2015/01/22/investing/bill-gates-mobile-banking/

Banks are among the most hated institutions on the planet.

Yet Bill and Melinda Gates believe banking -- specifically the mobile variety -- can be the source of great good in the near future, helping to lift millions of people out of poverty.

In its annual letter published on Thursday, the Bill and Melinda Gates Foundation identified mobile banking as one of four exciting breakthroughs that will help improve the lives of people in poor countries faster in the next 15 years than at any other time in history.
"Mobile banking will help the poor transform their lives," the billionaire couple wrote in the letter.

At first glance, mobile banking is a surprising choice for the Gates Foundation to throw its incredible heft behind. In the past, the philanthropy, which controls over $42 billion in assets, has focused challenges like access to condoms and turning human waste into drinking water.

But now the power couple is thinking about the 2.5 billion adults the World Bank estimates are without a bank account.
Related: Bill and Melinda Gates predict what the world will be like in 2030

Literally stuffing cash in a mattress: People in rich countries can drive or walk to the bank, use digital services like PayPal and write checks that can be deposited, sometimes even by taking a picture with a smartphone.

Those aren't really options if you don't have a bank account. People in poor countries often keep cash at home, literally stuffing it in the mattress. Or they invest it in an asset like lifestock that can lose value over time.

"If their savings are in the form of jewelry or livestock, for example, they can't very well chip off tiny pieces to cover routine daily expenses," Bill and Melinda Gates wrote.

Related: World's top cities: Zurich. Paris. Hartford?
Mobile = more control: Sending money to friends or relatives can also be difficult, with people in poor countries needing to take off from work to deliver it by hand or rely on a courier.

Borrowing money without a bank account can be even more problematic, with some lenders charging exorbitant rates.
"Digital banking will give the poor more control over their assets," the couple wrote.

Many developing countries like Kenya are rapidly adopting mobile banking. Gates estimates that by 2030, about 2 billion people who don't have a bank account today will be storing money and making mobile payments.
Related: London is the fastest growing western city
Mobile roadblocks: But to get to that level, mobile banking needs to overcome some big hurdles.

One obvious problem is the need to increase access to mobile phones, especially in countries like Bangladesh where women have fallen way behind men in this category.

The Gates Foundation also highlighted the need to convince regulators to revamp their laws in a way that encourages innovators to enter.
And while digital currency is great, poor countries need to develop enough physical locations for people to be able to convert this money into hard currency.

Interestingly, the focus by Gates and others like Visa (V) and MasterCard (MA) on mobile banking in poor nations could mean residents there enjoy services that Americans don't have access to yet.

"Entrepreneurs in developing countries are doing exciting work -- some of which will 'trickle up' to developed countries over time," Gates said.

CNNMoney (New York) January 22, 2015: 11:47 AM ET

Thanks, Chase. I just read that rather sad article. I highly doubt that the situation has improved over the last five years. My guess is that it has deteriorated. We can not reverse bad public policies which often convey compounding and damaging negative effects that could take decades to unravel. We do however hope that our family of CRISPs. will be a little safety net to those who are committed to routinely put away a little for the rainy days.

DNotesVault is designed with a purpose and a huge commitment to make the user experience in owning, storing and utilizing digital currency pleasant and enriching. We still have much hard work ahead. That is just a part of our total package to make DNotes to be better than money as we know it today. That is what it takes to achieve mass acceptance.

HAPPY BIRTHDAY TO RJF, Director of CRISP For Retirement.

Many thanks for a job well done. Check your piggy bank for a little gift from all of us.

***************

"Closer to home, the seriously under funded individual retirement savings are also troubling. RJF, Director of CR.I.S.P. for Retirement expressed his concern,

“In these uncertain financial times, it is becoming more and more difficult to maintain a retirement account that will actually see you through your golden years. We believe that the concept of using DNotes to augment your retirement savings is an important consideration.”

RJF went on to explain that CR.I.S.P. for Retirement is an unstructured and self-directed plan, using DNotes as the investment vehicle to supplement retirement savings. Re-occurring savings, in any amount, may be added at any time. This savings plan can be started with any amount of DNotes by opening an account at DNotesVault with an expanded registration at CR.I.S.P. for Retirement opening page."

The Bitcoin News
Posted on 15 February 2015. Tags: Bitcoin PR Buzz


Bitcoin Alternative DNotes Digital Currency Retirement Savings Plans Provide 12% Annual Interest; Relief For Underfunded Retirement Accounts And The Unbanked Worldwide
 
DNotes is pleased to announce unprecedented Digital Currency Retirement Savings Plans to Provide Relief for Underfunded Retirement Accounts; offering up to 12% Yearly Interest Bonus and a 100% deposit guarantee.

Illinois, USA. DNotes, best known as a stable digital currency with a solid and consistent uptrend, announced an unprecedented new savings plan to provide relief for underfunded individual retirement accounts. According to DNotes Co-Founder Alan Yong, one million DNotes have been donated to CR.I.S.P. (Cryptocurrency Investment Savings Plan) for Retirement to encourage savers to supplement their underfunded individual retirement accounts.

Read More:
http://thebitcoinnews.com/2015/02/15/bitcoin-alternative-dnotes-digital-currency-retirement-savings-plans-provide-12-annual-interest-relief-for-underfunded-retirement-accounts-and-the-unbanked-worldwide/