TimMarsh asked if we could post these on the forum for feedback.

https://www.redbubble.com/people/dnotes/works/26871402-we-accept-dnotes?asc=u



Appreciate it Tim!

Oh I see, did you copy over DNotes.conf to the DNotes directory?

On windows it will be either of these:
C:\Documents and Settings\WINDOWSUSERNAME\AppData\Roaming\DNotes
or
C:\Users\WINDOWSUSERNAME\AppData\Roaming\DNotes

Hi powergecko, we don't have one at this time. Is it a long update for you?

An enlightened and stimulating conversation continues building in this thread. Two short posts jumped at out me the last few pages.

Alfaalfa, take heart! I know exactly how you feel, because in my past, I used to get overly emotional about my investments. This is why I never made it in the hedge fund world in Chicago. As a deep believer in crypto, though, I've had to really try very hard to get over this mentality of fretting too much. ESPECIALLY because this is crypto. All coins, from bitcoin on down, are wildly volatile. So it takes a little bit of extra mental oomph to steel one's self against market movements. Buy the coins you really believe in, like DNotes. And then forget about them. Act as if those assets aren't there. So when volatile swings down happen, you less apt to care. Same when volatile swings upwards happen, you won't get caught up in euphoria.

Also recognize that humans are built a certain way, psychologically. We are care far, far more about losses, than equivalent gains. So you have to be extra vigilant about your mindset when the market is moving against you.

DNotes isn't designed for the pump and dump crowd, it doesn't ride the waves created by short term trends. It is a long play, and I'd urge you to treat it as such. It goes up a lot? No big deal. It goes down some? No big deal. Because over time, the long-term trajectory is potentially very great. And that is why we all hold. Don't worry about the short-term movements.


Noticed nobody replied to this one, and certainly would be glad to share my thoughts because this is an important point to sound out.

To me, the monthly % returns were always rather ambitious. It's just so hard to consistently have liquidity to support such herculean compounding. I was never sure my 10 year CRISP would continue to pay out so heftily. And honestly, that doesn't really matter to me.

Because the awesome short term returns on offer served as a forcing function for me. Once the money is deposited, it either matures on the given timeline of the CRISP, or there is a liquidity event, like DNotes 2.0.

Either way, I'd earn some solid interest on my core holdings, and would be forced to hold it for the intermediate to long term. Regardless of whether the interest hits all the stated targets from years ago, I am very happy. Because I essentially backed myself into a corner, in a good way. I've never been tempted to sell, because I can't. And given the interest, don't want to, either.

And I think that has been good for everyone, since it has created an incentive for all DNotes hodlers to do just that: hodl. And I'd imagine such an incentive has helped the coin stabilize these past few years, for everyone.

Awesome video though it needs some clarification. Of course, we love and appreciate compliments that are totally unsolicited.

DNotes is committed to building a trusted brand because we believe that trust is invaluable in every business dealing, particularly in financial services.  The next wave of investment will be coming from seasoned investors and professional fund managers. We want to ensure that everything that we do is researchable and verifiable. That is what separates DNotes from most of our industry peers. Perhaps we believe more than others that we are dealing with money, other people’s hard-earned money, no matter how it is characterized - commodity, asset of no instinct value, or property.

Now back to CRISP For Retirement. We did not want to dilute our stakeholders assets by issuing more DNotes in order to fund the retirement program, yet we felt that it would be a great incentive to provide a few selections of different terms to give people a choice that best fit their time horizon – 5, 10, 15, or 20 years.

With that I got the support of some major stakeholders who collectively purchased 1,000,000 Dnotes and contributed them for of paying the interest until the last DNotes from this pool is used up. The balance is verifiable:

CRISP for Retirement Statistics
Funded Retirement Accounts   296
Principal Deposit Value   82,479.42 USD
Total Interest Payments   951,187 NOTE
Current USD Value   1,322,245.80 USD
Current DNotes   6,601,110 NOTE
Retirement Fund Bonus Balance   100,447 NOTE

Apparently, there is still some left. The math may not add up because early withdrawal were forfeited any interest paid as stipulated.
We are committed to the benefits and success of others based on our principal belief that we will also be successful as a group by doing that. The following press release provides more details:

Yahoo Finance:
 
DNotes Digital Currency Retirement Savings Plans Provide Relief For Underfunded Retirement Accounts

AccesswireFebruary 16, 2015

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.

CHICAGO, IL / ACCESSWIRE / February 16, 2015 / 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.

Read More: :  https://finance.yahoo.com/news/dnotes-digital-currency-retirement-savings-032800708.html

Good point here. I have invested a lot in DNotes at 0.25$/NOTE. I can't even sleep with the thought that it's already at 0.15$ level. Also, if I understand this correct, in a 5 year retirement program, will I get a bonus besides the monthly interest? And if I need the money let's stay 8 months from now, will I get any interest?