I agree the CR.I.S.P. for Retirement will be more complex than the one for kids, but it also going to be a flexible, first of it's kind, exciting investment vehicle.

There are several ways that a retirement account can grow including additional contributions, dividends, interest, or capital gains.  DNotes gives you the option of additional contributions and what most of us are counting on, the potential for huge capital gains.

An unstructured, self directed plan allows you to make as many contributions as you want, whenever you want.  This allows the most flexibility to accommodate people who want to make a large contribution now while prices are low, monthly contributions, or random contributions as their financial situation allows. 

This is going to be very exciting!!
 
                 

Couldn't help thinking a bit more about this. Another thing that a digital retirement account should provide is a withdrawal limit. A range of percentages could be offered or the customer could set their own limit on how much they could take out per month. This would serve another function of providing an anchor for the coin as accounts multiply and values go up. It would take a lot of coins out of circulation (sitting on exchanges) and put them to work stabilizing the network. They would maintain value being "on deposit" I can see where it would help smooth out the constant price fluctuations sort of like a "heat sink" Settings could only be changed yearly except for verified hardship.

It could all be offered in packages like "Max Saver" "Mid Saver" etc with each having it's own range. Sounds like a lot of work but not as much as it appears. Once programmed, the code could be reused in many other offerings.

Just saying...

Well, I'm certainly not a retirement planner but, It would, in my opinion, need to incorporate the following items:

1. Secure and guaranteed
2. A minimum initial deposit and low monthly or quarterly deposits after
3. Some form of interest. Not POS or anything like that right now but, a fund would need to be created to provide small monthly interest payment.
4. Marketing
5 Dedicated overseers
6.Small monthly management fee (you need to get something back for the fund and operators)
7. Down the road, when you start to consider POS or other methods of keeping the network healthy, a lot of this can be provided automatically.

I wouldn't look at this as a profit center but, DNotes in general will profit as the coin gains value through this exposure. Also #6 can be adjusted as the coins value increases. Make it a selling point, help increase awareness of DNotes and your monthly fees will go down.

As far as marketing it, no real difference from marketing DNotes itself except increase your presence in areas where young people congregate online and off. You already advertise to many areas, beef it up and make the fund your prime offering. Include the others as well but don't push the coin itself, push the usefulness of it.

And the big one; make sure it's within the scope of the law. I don't think this is a stumbling block right now but, get your ducks in a legal row for the coming years. As long as the matching funds are being held where they can be audited, that should be fine for now.  

It sounds like a lot of work but, you have already done the heavy lifting with existing products. And, think about this, it is an area NO ONE has even begun to move into except DNotes, why not own it?

Thank you BITDV, I will test it out at some point today, then add it. Good luck with your exchange

It's good to get the Younglings in to start saving for retirement earlier. I will think on this.. btw new exchange has DNOTES here listed. I bought some of their exchange tokens which means we share in revenues of what the exchange makes so if there is any DNOTES trading here I certainly will join in..

https://btcpool.exchange/market?pair=NOTE/BTC

Also it is a good time to stock up on tokens as with this revenue it can help us to stock up on and procure more Dnotes correct?

I agree, it's a perfect time for CR.I.S.P. for Retirement.  RJF made a good point, this may be the type of digital world savings plan that gets young people saving for their retirement.  The potential returns, could help give people hope for a secure retirement. I love this idea!

The account history function is really cool. I can see you were already working on it when I made my post.

I like that I can see that SEVEN people that I've sent crypto to still haven't registered their account... Luckily, I'll be able to match the e-mails and the times the crypto was sent to the times of the transactions on the transaction history, and make sure nobody is having any problems registering (or just not being lazy).

Great feature, another building block in place.

Sending DNotes:  yes

Storing DNotes: yes, especially with the guarantee, that makes it a no brainer as long as there remains trust in the organization and that is only growing as far as I can see.

Using Dashboard: yes, simple enough for most.

BRAND NEW EXCHANGE!!


Dnote is on https://btcpool.exchange

WE ARE LIVE!!

What I was thinking was that I could send an email to an old classmate, teacher, boss, friend, long lost relative, etc that included a simple how-to explanation about DNotes.  I would tell them that there was # Dnotes waiting for them at the DNotesVault.  All they have to do is sign up (using the same email address), create an deposit address, and the DNotes will show up in their account.  If you send it to people you know, even if it's been a long time since you have seen them, there will still be an element of trust.  It may be a great way to reconnect with someone.

It could have an expiry date in case they don't register.

What did you mean in "something automated for all new accounts"?

I think TeeGee has the 'keep it simple' covered - "explains in detail without losing the reader", "advantages DNotes enjoys over it's rivals", "screen shots of each step".  I kind of went on a DNotes bragging rant, and since I'm not writing this article, I will eat some humble pie.

I'll rephrase the last sentence in my post.  If we had an easy to follow how-to, do you think it's a good idea to email it to people and have a deposit of DNotes waiting for them at the Vault if they are interested?

I like this idea, but it would really stand out if it was different from all the other how to's and videos that claim to be easy enough for grandma to understand, but actually leave grandma more confused than ever!  In order for cryptocurrency to work, everyone,including those with only basic computer skills, has to feel that they fit in somehow.  Other than DNotes, I don't know of any other coin that has done anything to tackle this.  The CR.I.S.P. is easy for people to comprehend because they have already heard of Registered Retirement Savings Plans (RRSP), Registered Education Savings Plans (RESP), Dividend Reinvestment Plans (DRIP), etc.  We have given them a place to learn at CryptoMoms.  They are also familiar with their investments being held in a secure place (banks, investment companies, and now DNotesVault) and want nothing to do with downloading wallets and storing their investments on their computers.  We should emphasize how they can fit in at DNotes, by holding it as an investment, and spare them most of the complicated aspects of crypto.

Would it be a good idea to have this write-up (TeeGee ) with screen shots simple and inviting enough that we could email it to friends, family, and acquaintances, telling them that if they are interested, there are a certain amount of DNotes waiting for them when they sign up at the Vault?  Perhaps with an expiry date?

Dyna-  go focus on projects, (but don't forget to take some brain cleansing down time)  I'm sure alot of us here can answer some of the questions that arise.

Here are my personal thoughts in my experiences with give-aways that I have run. I'd like to mention that DYNA and DNotes were very helpful in the whole process. I gave crypto to about 30 Vault accounts so far, I was happy that approx 30% were female, a massive demographic with less exposure to this industry.

Is it easy to send DNotes to someone who knows nothing about digital currency? Can we make it easier?

*Being able to send digital currency to people who have no prior knowledge about it is really easy with the ability to attach the Notes to their e-mail.

*Explaining the advantages of crypto is exciting conversation to have with each unfamiliar person, but doing it several times a day, in multiple conversation mediums (facebook / e-mail / in person), it can become very time consuming. It is making me think that somebody from the community (I think I just put my hand up?) could write up a ~1000 word crypto "information" page that highlights the all the benefits of crypto, but also explains in detail without losing the reader, the comparative advantages DNotes enjoys over its rivals. I'm thinking this page should include screen shots of each step of the process (email, registration, and then dashboard) and in the future maybe some monthly progress reports on the market and how Dnotes has performed long term with some fancy graphs etc (I do that stuff in my spare time, so will just copy and paste it and make sure the grammar is tidy without lots of brackets and comma abuse!) The best mediums we could consider using to post the "update" information would be here on bitcointalk, on the FB page, twitter and the vault / Dnotescoin websites. I think potential investors would be quite interested, or at least give a second look into claims of "since this date, DNotes has gone from 1200 satoshi, to 3800 satoshi, which equates to $x to $x even taking into account the btc fall."

We could try and make some more videos like MiningHabit made a while ago that demonstrated how to buy from exchanges, the pc wallet demo's are a bit outdated.

*Giving the gifts of crypto to so many people, I found many of them didn't really understand it properly, but saw the value in "oh, it could go like the bitcoin one went, and be worth lots one day, oh sure i'll take it!", I'd say of the people who knew nothing about crypto, half of them were like this, the other half were more inquisitive and talked about wanting to discuss further when they had more money to properly invest and legitimately saw it as a long term investment - these people made me particularly happy. There exist many people who support crypto based on their moral conscience, and those people were over the moon to accept their "first crypto". My hope was that these people would 1. know that I'd done my research on what the best crypto was and 2. they would automatically think of Dnotes (after bitcoin) when somebody says "crypto", creating a tacit association.

Do you feel safe storing your coins at DNotesVault?
Is it easy to understand why your coins are safe at the DNotesVault?

It feels safe storing my crypto there, especially with the guaranteed fund. It is also very easy to understand why the coins are safe, there is a good explanation on the Vault website.

Is the dashboard easy to understand and use?

Yup, it sure is. It is good that you included having an "available balance" on top of a "overall balance". This means that I know that several people still haven't registered for their vault accounts that I've sent crypto to. In future, I imagine the Vault will look more like a chequeing account, where you can see your ingoings / outgoings, and just imagine how cool it would be to have a VaultCard that you could use on an eftpos terminal! - Would just have to find a payment processor, and write lots of code!

May this be the best Year for Dnotes.

Our official recommendation is that all transactions be conducted through the exchange, due to the nature of our industry. Interested parties should communicate with you through PM if necessary to make special arrangement as needed.

We very much appreciate your concern that a large sell order will negatively affect our price, over the short term. There have already been an increased amount of selling and so far they have been absorbed with increased buying. We certainly appreciate your support and confidence expressed.

It is unfortunate, but we know that a lot of people have lost a significant amount of their investment. We wish you the very best and hope that every thing will work out for you soon.

The bright side to the BTC value crash is that in a day or so, I can buy another btc or so, and pick up some cheapy dnotes (in terms of a USD valuation).

It's a very bold move, that clearly shows doubt in the top ranked Scrypt coin. The DOGE/LTC merged mining seemed to spur the transition, but there isn't enough conclusive evidence to say it was the only reason. I've been watching other coins that have recently opted for merged mining, one saw a 50x increase in network hashrate, which had zero effect on the price.

One conclusion that can be drawn from this, is that the market is in a time of uncertainty and miners are desperately looking for stability. These times of confusion could be a good opportunity for us to take a large market share, and restore some civility to our industry.