[ANN][NOTE]DNotes - Celebrating DNotes 3rd Birthday - Forum Now Open

[Chase]

Happy Birthday Dyna!

Is Smokey in the doghouse??

[TeeGee]

Happy birthday DYNA. Within a year or two, your wife will be able to buy you a birthday dinner at a fancy restaurant that with DNotes she bought herself, maybe from a store.

Wouldn't that be the best birthday gift? To see your family spending the currency you helped create to buy services.

[bri912678]

Happy birthday DYNA. Within a year or two, your wife will be able to buy you a birthday dinner at a fancy restaurant that with DNotes she bought herself, maybe from a store.

Wouldn't that be the best birthday gift? To see your family spending the currency you helped create to buy services.

Within a year or two, his wife will be able to buy him a birthday dinner at a fancy restaurant with a fraction of one DNote.

[DNotes]

Happy birthday DYNA. Within a year or two, your wife will be able to buy you a birthday dinner at a fancy restaurant that with DNotes she bought herself, maybe from a store.

Wouldn't that be the best birthday gift? To see your family spending the currency you helped create to buy services.

Within a year or two, his wife will be able to buy him a birthday dinner at a fancy restaurant with a fraction of one DNote.

Indeed it would! Happy birthday Dyna!

[DNotes]

What major issues with the existing financial system can DNotes solve?


Half of the world's population does not have banking access and is therefore excluded from participating in economic growth.

Edit - DNotes can also help address all the other issues faced by people without banking access in the following article...

That is a big one for sure. There are many initiatives to provide people everywhere in the world access to computers and internet, it will be nice if we can help the cause with DNotes.

What technologies are most important to the future and success of DNotes?


What major issues with the existing financial system can DNotes solve?

1) Micro transactions, under $1 are not feasible. The transaction fees make micro transactions unprofitable if not impossible.


What services are most important to the future and success of DNotes?

1) Direct and simple fiat to DNotes exchange.


What major obstacles does DNotes face to achieve success?

1) Half of the world's population does not have banking access and is therefore excluded from participating in economic growth.

[Dyna]

This is a very interesting article from 2012:

"Banking in the developing world"   "The poor are different"  

HOW many people in the world have bank accounts and what do they use them for? You would think there would be answers to those questions, given that banking is the quintessentially global business, and is important not only in the West but in developing countries, where banks can help poor people save, borrow and invest. Yet, until now, data on the global reach of financial institutions have been limited. The IMF publishes a financial access survey of depositors and borrowers. But there is little about how much people save or why they borrow. Especially little is known about the banking practices of the poor, women and young people. So a big data hole got plugged last year when the Gates Foundation, the World Bank and Gallup World Poll carried out the biggest survey yet of how people save, borrow, make payments and manage risk. The results have just appeared.

Roughly half of all adults in the world have an individual or joint bank account, according to the new Global Findex database. As one would expect, there is a big difference between banking in the West (where is 89% of adults have accounts) and the developing world (41%). The difference is wider still when it comes to credit cards; half of adults have them in the West, just 7% in developing countries.

Within countries, levels of banking climb sharply with income and education. In Africa, for instance, 55% of people with tertiary education have bank accounts. But only just over 10% of those with primary or no education do.

Banking displays a significant gender gap. In developing countries, 46% of adult men say they have an account, but only 37% of women. The gap is largest in South Asia and the Middle East and north Africa. It is a bit lower in the rest of Africa, where banking penetration as a whole is low: 27% of men have accounts, 22% of women.

The bigger surprises concern how people use banks and other financial institutions. One might expect that, outside the West, banks (which tend to be relatively expensive) would be used largely for business. Not at all. The vast majority of people in developing countries—88%—say they use banks solely for personal use. The commonest reason for taking out a loan, for example, is to pay for family emergencies (typically someone falling ill). That is followed by school fees, home construction and the expenses of a wedding or funeral. In Africa, 38% of those with bank accounts say they use them to receive remittances from family members abroad. One particularly important reason for having an account in Europe, Central Asia and Latin America is to bank money from the government, either salaries or benefits.

In comparison, banks do not seem to be used so much for what seems like a basic purpose: saving money. More than a third (36%) of adults said they had saved some money last year. But only a fifth (22%) said they used a bank or other formal financial institution to do it; 29% saved, but not at a bank (presumably they put the money under the mattress or used it to buy jewellery). A popular form of saving in Africa was the savings club. A group of people get together to bank their pennies regularly and each month the club pays out the entire pot to each member in turn.

The modest use of banks for saving points to what seems like the overall story that emerges from the research. The extent of banking around the world is much patchier and less predictable than one might expect. Of course, bank usage tends to increase with income both globally and within countries. But income does not seem to be the sole determinant. Ghana and Benin are near-neighbours in West Africa and have similar levels of income. Yet Ghana has three times as many banks per head of the adult population as Benin does. Nigeria and Cameron are neighbours and have roughly the same level of banking among the poorest fifth of their populations (17% of the lowest quintiles in each country have bank accounts). Yet rich Nigerians are almost three times more likely than rich Cameroonians to have accounts.

The moral is that other things matter as well as income. Policy makes a difference: does the government make it easy for banks to spread? The banks themselves make a difference: after lack of money, one of the commonest reasons people give for not having an account is the paperwork. And mobile phones make a huge difference. In Kenya, a stunning 68% of adults say they have used a mobile phone to send or receive money in the past 12 months. More than half of them have bank accounts.

http://www.economist.com/blogs/feastandfamine/2012/04/banking-developing-world

Very enlightening, very insightful. The last paragraph, about the cell phones hit home to me. Dyna has been pounding this point into my head for quite some time. All you need to be a "Citizen of the World" is a smart phone (mini-computer), and an internet connection. Bill Gates knows this, he seems to be concentrating on figuring out how to get the "masses" an internet connection. Won't be long until the only "dead spot" will be the South Pole!! This is another reason to believe that Crypto-Currency will be not only more convienient, safer, quicker and cheaper than fiat for everyone, but it will be ESSENTIAL for the "unbanked" to be able to do things we in the west take for granted.

Interesting fact: Did you know?
Our very own Dyna (Alan to most, Yoda to me) once shared a podium with Bill Gates at a PC trade show. This was very early in the game, before Gates had "handlers", back when he was a wild-eyed, greasy-haired nerd. Dyna met Gates on a few other occasions after that for business, while Microsoft was growing to be the powerhouse it is now. He was kinda "handed over" to Steve Ballmer while Dyna was developing his DTR. Dyna was developing the first portable puters with the full power of a desktop, the DTR (Desk Top Replacement). They did not call them laptops back then. The DTR was powered by a 486 processor, the most powerful at the time. All other "portable puters" used a miserable little processor.

BTW.....today is Dyna's birthday! He is almost 10 years old in dog years........


Smokey

Thanks, Smokey. There were some great days. Dauphin was a big deal for a number of years.

Guess what? I have a feeling that DNotes could be a bigger deal in a couple of years. I am 69 today and thank you all for the good wishes. What I can tell you is this. I am a little wiser this year than a year ago.

My birthday wish is that we all can work productively together with due respect and appreciation for the contribution of everyone, young or old, for the mutual benefits of everyone. We all have much to gain by being positive and productive. Have a great year.

[SmokeysGardens]

What major issues with the existing financial system can DNotes solve?


Half of the world's population does not have banking access and is therefore excluded from participating in economic growth.

Edit - DNotes can also help address all the other issues faced by people without banking access in the following article...

That is a big one for sure. There are many initiatives to provide people everywhere in the world access to computers and internet, it will be nice if we can help the cause with DNotes.

What technologies are most important to the future and success of DNotes?


What major issues with the existing financial system can DNotes solve?

1) Micro transactions, under $1 are not feasible. The transaction fees make micro transactions unprofitable if not impossible.


What services are most important to the future and success of DNotes?

1) Direct and simple fiat to DNotes exchange.


What major obstacles does DNotes face to achieve success?

1) Half of the world's population does not have banking access and is therefore excluded from participating in economic growth.

That is a huge one, but one that some of the world's most powerful people are trying to solve. It is THE most important problem that if solved, will help the MOST people in the BEST way, so it should be the number one priority of anyone wanting to help "the poor masses".

Interesting note:

Dyan's company (Dyna founded it and took it public) was the first company in the world to put the Power Supply "inside the box". Before that, when you got a new PC, it had a separate, independent power supply, because of interference.  His company was the first to solve this basic problem.

Just talked to him, I thought mebbe he would be celebrating his birthday, but no.....he is working his ass off instead. He says maybe next year.

Happy Birthday Old Man.

Smokey

[Dyna]

Happy birthday DYNA. Within a year or two, your wife will be able to buy you a birthday dinner at a fancy restaurant that with DNotes she bought herself, maybe from a store.

Wouldn't that be the best birthday gift? To see your family spending the currency you helped create to buy services.

Within a year or two, his wife will be able to buy him a birthday dinner at a fancy restaurant with a fraction of one DNote.

Thanks, bri912678. That would be cool.

[qiwoman2]

This is a very interesting article from 2012:

"Banking in the developing world"   "The poor are different"  

HOW many people in the world have bank accounts and what do they use them for? You would think there would be answers to those questions, given that banking is the quintessentially global business, and is important not only in the West but in developing countries, where banks can help poor people save, borrow and invest. Yet, until now, data on the global reach of financial institutions have been limited. The IMF publishes a financial access survey of depositors and borrowers. But there is little about how much people save or why they borrow. Especially little is known about the banking practices of the poor, women and young people. So a big data hole got plugged last year when the Gates Foundation, the World Bank and Gallup World Poll carried out the biggest survey yet of how people save, borrow, make payments and manage risk. The results have just appeared.

Roughly half of all adults in the world have an individual or joint bank account, according to the new Global Findex database. As one would expect, there is a big difference between banking in the West (where is 89% of adults have accounts) and the developing world (41%). The difference is wider still when it comes to credit cards; half of adults have them in the West, just 7% in developing countries.

Within countries, levels of banking climb sharply with income and education. In Africa, for instance, 55% of people with tertiary education have bank accounts. But only just over 10% of those with primary or no education do.

Banking displays a significant gender gap. In developing countries, 46% of adult men say they have an account, but only 37% of women. The gap is largest in South Asia and the Middle East and north Africa. It is a bit lower in the rest of Africa, where banking penetration as a whole is low: 27% of men have accounts, 22% of women.

The bigger surprises concern how people use banks and other financial institutions. One might expect that, outside the West, banks (which tend to be relatively expensive) would be used largely for business. Not at all. The vast majority of people in developing countries—88%—say they use banks solely for personal use. The commonest reason for taking out a loan, for example, is to pay for family emergencies (typically someone falling ill). That is followed by school fees, home construction and the expenses of a wedding or funeral. In Africa, 38% of those with bank accounts say they use them to receive remittances from family members abroad. One particularly important reason for having an account in Europe, Central Asia and Latin America is to bank money from the government, either salaries or benefits.

In comparison, banks do not seem to be used so much for what seems like a basic purpose: saving money. More than a third (36%) of adults said they had saved some money last year. But only a fifth (22%) said they used a bank or other formal financial institution to do it; 29% saved, but not at a bank (presumably they put the money under the mattress or used it to buy jewellery). A popular form of saving in Africa was the savings club. A group of people get together to bank their pennies regularly and each month the club pays out the entire pot to each member in turn.

The modest use of banks for saving points to what seems like the overall story that emerges from the research. The extent of banking around the world is much patchier and less predictable than one might expect. Of course, bank usage tends to increase with income both globally and within countries. But income does not seem to be the sole determinant. Ghana and Benin are near-neighbours in West Africa and have similar levels of income. Yet Ghana has three times as many banks per head of the adult population as Benin does. Nigeria and Cameron are neighbours and have roughly the same level of banking among the poorest fifth of their populations (17% of the lowest quintiles in each country have bank accounts). Yet rich Nigerians are almost three times more likely than rich Cameroonians to have accounts.

The moral is that other things matter as well as income. Policy makes a difference: does the government make it easy for banks to spread? The banks themselves make a difference: after lack of money, one of the commonest reasons people give for not having an account is the paperwork. And mobile phones make a huge difference. In Kenya, a stunning 68% of adults say they have used a mobile phone to send or receive money in the past 12 months. More than half of them have bank accounts.

http://www.economist.com/blogs/feastandfamine/2012/04/banking-developing-world

Very enlightening, very insightful. The last paragraph, about the cell phones hit home to me. Dyna has been pounding this point into my head for quite some time. All you need to be a "Citizen of the World" is a smart phone (mini-computer), and an internet connection. Bill Gates knows this, he seems to be concentrating on figuring out how to get the "masses" an internet connection. Won't be long until the only "dead spot" will be the South Pole!! This is another reason to believe that Crypto-Currency will be not only more convienient, safer, quicker and cheaper than fiat for everyone, but it will be ESSENTIAL for the "unbanked" to be able to do things we in the west take for granted.

Interesting fact: Did you know?
Our very own Dyna (Alan to most, Yoda to me) once shared a podium with Bill Gates at a PC trade show. This was very early in the game, before Gates had "handlers", back when he was a wild-eyed, greasy-haired nerd. Dyna met Gates on a few other occasions after that for business, while Microsoft was growing to be the powerhouse it is now. He was kinda "handed over" to Steve Ballmer while Dyna was developing his DTR. Dyna was developing the first portable puters with the full power of a desktop, the DTR (Desk Top Replacement). They did not call them laptops back then. The DTR was powered by a 486 processor, the most powerful at the time. All other "portable puters" used a miserable little processor.

BTW.....today is Dyna's birthday! He is almost 10 years old in dog years........


Smokey

Thanks, Smokey. There were some great days. Dauphin was a big deal for a number of years.

Guess what? I have a feeling that DNotes could be a bigger deal in a couple of years. I am 69 today and thank you all for the good wishes. What I can tell you is this. I am a little wiser this year than a year ago.

My birthday wish is that we all can work productively together with due respect and appreciation for the contribution of everyone, young or old, for the mutual benefits of everyone. We all have much to gain by being positive and productive. Have a great year.

WOW happy Birthday DYNA and may You and your family and the Dnotes family be forever blessed and hope we can all move forward wiht this great vision..

[Dyna]

Happy Birthday Dyna!

Is Smokey in the doghouse??

Thanks, Chase. Smokey is a funny guy.

[qiwoman2]

Happy Birthday Dyna!

Is Smokey in the doghouse??

Thanks, Chase. Smokey is a funny guy.

i HOPE You are all celebrating well and maybe next year we can all meet you in the forst DNOTES convention? DYNA'S Birthday with Dnotes peeps/  

[Dyna]

This is a very interesting article from 2012:

"Banking in the developing world"   "The poor are different"  

HOW many people in the world have bank accounts and what do they use them for? You would think there would be answers to those questions, given that banking is the quintessentially global business, and is important not only in the West but in developing countries, where banks can help poor people save, borrow and invest. Yet, until now, data on the global reach of financial institutions have been limited. The IMF publishes a financial access survey of depositors and borrowers. But there is little about how much people save or why they borrow. Especially little is known about the banking practices of the poor, women and young people. So a big data hole got plugged last year when the Gates Foundation, the World Bank and Gallup World Poll carried out the biggest survey yet of how people save, borrow, make payments and manage risk. The results have just appeared.

Roughly half of all adults in the world have an individual or joint bank account, according to the new Global Findex database. As one would expect, there is a big difference between banking in the West (where is 89% of adults have accounts) and the developing world (41%). The difference is wider still when it comes to credit cards; half of adults have them in the West, just 7% in developing countries.

Within countries, levels of banking climb sharply with income and education. In Africa, for instance, 55% of people with tertiary education have bank accounts. But only just over 10% of those with primary or no education do.

Banking displays a significant gender gap. In developing countries, 46% of adult men say they have an account, but only 37% of women. The gap is largest in South Asia and the Middle East and north Africa. It is a bit lower in the rest of Africa, where banking penetration as a whole is low: 27% of men have accounts, 22% of women.

The bigger surprises concern how people use banks and other financial institutions. One might expect that, outside the West, banks (which tend to be relatively expensive) would be used largely for business. Not at all. The vast majority of people in developing countries—88%—say they use banks solely for personal use. The commonest reason for taking out a loan, for example, is to pay for family emergencies (typically someone falling ill). That is followed by school fees, home construction and the expenses of a wedding or funeral. In Africa, 38% of those with bank accounts say they use them to receive remittances from family members abroad. One particularly important reason for having an account in Europe, Central Asia and Latin America is to bank money from the government, either salaries or benefits.

In comparison, banks do not seem to be used so much for what seems like a basic purpose: saving money. More than a third (36%) of adults said they had saved some money last year. But only a fifth (22%) said they used a bank or other formal financial institution to do it; 29% saved, but not at a bank (presumably they put the money under the mattress or used it to buy jewellery). A popular form of saving in Africa was the savings club. A group of people get together to bank their pennies regularly and each month the club pays out the entire pot to each member in turn.

The modest use of banks for saving points to what seems like the overall story that emerges from the research. The extent of banking around the world is much patchier and less predictable than one might expect. Of course, bank usage tends to increase with income both globally and within countries. But income does not seem to be the sole determinant. Ghana and Benin are near-neighbours in West Africa and have similar levels of income. Yet Ghana has three times as many banks per head of the adult population as Benin does. Nigeria and Cameron are neighbours and have roughly the same level of banking among the poorest fifth of their populations (17% of the lowest quintiles in each country have bank accounts). Yet rich Nigerians are almost three times more likely than rich Cameroonians to have accounts.

The moral is that other things matter as well as income. Policy makes a difference: does the government make it easy for banks to spread? The banks themselves make a difference: after lack of money, one of the commonest reasons people give for not having an account is the paperwork. And mobile phones make a huge difference. In Kenya, a stunning 68% of adults say they have used a mobile phone to send or receive money in the past 12 months. More than half of them have bank accounts.

http://www.economist.com/blogs/feastandfamine/2012/04/banking-developing-world

Very enlightening, very insightful. The last paragraph, about the cell phones hit home to me. Dyna has been pounding this point into my head for quite some time. All you need to be a "Citizen of the World" is a smart phone (mini-computer), and an internet connection. Bill Gates knows this, he seems to be concentrating on figuring out how to get the "masses" an internet connection. Won't be long until the only "dead spot" will be the South Pole!! This is another reason to believe that Crypto-Currency will be not only more convienient, safer, quicker and cheaper than fiat for everyone, but it will be ESSENTIAL for the "unbanked" to be able to do things we in the west take for granted.

Interesting fact: Did you know?
Our very own Dyna (Alan to most, Yoda to me) once shared a podium with Bill Gates at a PC trade show. This was very early in the game, before Gates had "handlers", back when he was a wild-eyed, greasy-haired nerd. Dyna met Gates on a few other occasions after that for business, while Microsoft was growing to be the powerhouse it is now. He was kinda "handed over" to Steve Ballmer while Dyna was developing his DTR. Dyna was developing the first portable puters with the full power of a desktop, the DTR (Desk Top Replacement). They did not call them laptops back then. The DTR was powered by a 486 processor, the most powerful at the time. All other "portable puters" used a miserable little processor.

BTW.....today is Dyna's birthday! He is almost 10 years old in dog years........


Smokey

Thanks, Smokey. There were some great days. Dauphin was a big deal for a number of years.

Guess what? I have a feeling that DNotes could be a bigger deal in a couple of years. I am 69 today and thank you all for the good wishes. What I can tell you is this. I am a little wiser this year than a year ago.

My birthday wish is that we all can work productively together with due respect and appreciation for the contribution of everyone, young or old, for the mutual benefits of everyone. We all have much to gain by being positive and productive. Have a great year.

WOW happy Birthday DYNA and may You and your family and the Dnotes family be forever blessed and hope we can all move forward wiht this great vision..

Let's do it. It is for all of us and many around the world who may not have a chance, otherwise. I consider that it is a blessing to be very poor, one time and yet had a chance to briefly tasted wealth, though it was basically "paper money" because I never did not cashed in before it evaporated over a weekend. DNotes is now the challenge of my life; with your support we will make it a worthy cause to gain some financial freedom for ourselves while helping others.

[SmokeysGardens]

Happy Birthday Dyna!

Is Smokey in the doghouse??

Thanks, Chase. Smokey is a funny guy.

i HOPE You are all celebrating well and maybe next year we can all meet you in the forst DNOTES convention? DYNA'S Birthday with Dnotes peeps/  

I am kinda in the doghouse.....Dyna gets real embarrassed when folks talk him up. He is the most humble guy I know personally. I thought......hell with it. I just make sure I do not embellish the truth. Just the facts, ma'am.

Interesting note:
Dyna was part of the third-world's "poor masses". He grew up in the mountains of Malaysia, his family farmed coconuts and palm oil. No electricity. Dirt floor hut. Only thing they had with a motor on it was a WW2 British Army Jeep. Farmed with water buffalo. But....out of six kids, they all graduated high school, most (or all) went to college. All were VERY successful. Secret to the family: A VERY extraordinary mother, AND an exceptional dad. When he talks about the "poor masses", he knows what he is talking about.

[Dyna]

Happy Birthday Dyna!

Is Smokey in the doghouse??

Thanks, Chase. Smokey is a funny guy.

i HOPE You are all celebrating well and maybe next year we can all meet you in the forst DNOTES convention? DYNA'S Birthday with Dnotes peeps/  

I am kinda in the doghouse.....Dyna gets real embarrassed when folks talk him up. He is the most humble guy I know personally. I thought......hell with it. I just make sure I do not embellish the truth. Just the facts, ma'am.

Interesting note:
Dyna was part of the third-world's "poor masses". He grew up in the mountains of Malaysia, his family farmed coconuts and palm oil. No electricity. Dirt floor hut. Only thing they had with a motor on it was a WW2 British Army Jeep. Farmed with water buffalo. But....out of six kids, they all graduated high school, most (or all) went to college. All were VERY successful. Secret to the family: A VERY extraordinary mother, AND an exceptional dad. When he talks about the "poor masses", he knows what he is talking about.

Correction. Eight kids. Two girls and six boys. One time eight out of eght had their own business. One of the sisters finally gave up and decided to work for a large company. We never had a fight or a serious argument, but lots of passionate debates though.

[Dyna]

Happy birthday DYNA. Within a year or two, your wife will be able to buy you a birthday dinner at a fancy restaurant that with DNotes she bought herself, maybe from a store.

Wouldn't that be the best birthday gift? To see your family spending the currency you helped create to buy services.

Thanks, TeeGee. I am counting on that. We should all be proud and looking forward to that day.

[SmokeysGardens]

Happy Birthday Dyna!

Is Smokey in the doghouse??

Thanks, Chase. Smokey is a funny guy.

i HOPE You are all celebrating well and maybe next year we can all meet you in the forst DNOTES convention? DYNA'S Birthday with Dnotes peeps/  

I am kinda in the doghouse.....Dyna gets real embarrassed when folks talk him up. He is the most humble guy I know personally. I thought......hell with it. I just make sure I do not embellish the truth. Just the facts, ma'am.

Interesting note:
Dyna was part of the third-world's "poor masses". He grew up in the mountains of Malaysia, his family farmed coconuts and palm oil. No electricity. Dirt floor hut. Only thing they had with a motor on it was a WW2 British Army Jeep. Farmed with water buffalo. But....out of six kids, they all graduated high school, most (or all) went to college. All were VERY successful. Secret to the family: A VERY extraordinary mother, AND an exceptional dad. When he talks about the "poor masses", he knows what he is talking about.

Correction. Eight kids. Two girls and six boys. One time eight out of eght had their own business. One of the sisters finally gave up and decided to work for a large company. We never had a fight or a serious argument, but lots of passionate debates though.

I also come from a business-minded family, BUT at our house, the were no "quiet discussions". We were loud, proud, and as competitive as the hogs at the troth. Thier were four of us, 5 years apart youngest to oldest. (dont think my parents had TV then, nuttin else to do I guess). We played Monopoly, Risk, Poker, and every other thing that could have a winner. Second place was the first loser. Only thing that saved us from being hooligans was a dad that was as strong-willed and as smart as his children, and a mother that showed unconditional love to all her kids, all the time. Funny, Yoda......how we grew up literally a world apart, but somehow found each other, and we are gonna change the world! Rock On, Old Man!!!!!

Interesting note:
Dyna came to America in his early 20's, with hardley any money (a couple hundred bucks I think). He flew into New York in Janruary. He had never seen weather as cold as this. THEN, he flew to Chicago (New York was just a layover). It was about zero degrees there and he had lived on the equator all his life! Welcome to Winter, Old Man!

Smokey

[Dyna]

Happy Birthday Dyna!

Is Smokey in the doghouse??

Thanks, Chase. Smokey is a funny guy.

i HOPE You are all celebrating well and maybe next year we can all meet you in the forst DNOTES convention? DYNA'S Birthday with Dnotes peeps/  

I am kinda in the doghouse.....Dyna gets real embarrassed when folks talk him up. He is the most humble guy I know personally. I thought......hell with it. I just make sure I do not embellish the truth. Just the facts, ma'am.

Interesting note:
Dyna was part of the third-world's "poor masses". He grew up in the mountains of Malaysia, his family farmed coconuts and palm oil. No electricity. Dirt floor hut. Only thing they had with a motor on it was a WW2 British Army Jeep. Farmed with water buffalo. But....out of six kids, they all graduated high school, most (or all) went to college. All were VERY successful. Secret to the family: A VERY extraordinary mother, AND an exceptional dad. When he talks about the "poor masses", he knows what he is talking about.

Correction. Eight kids. Two girls and six boys. One time eight out of eght had their own business. One of the sisters finally gave up and decided to work for a large company. We never had a fight or a serious argument, but lots of passionate debates though.

I also come from a business-minded family, BUT at our house, the were no "quiet discussions". We were loud, proud, and as competitive as the hogs at the troth. Thier were four of us, 5 years apart youngest to oldest. (dont think my parents had TV then, nuttin else to do I guess). We played Monopoly, Risk, Poker, and every other thing that could have a winner. Second place was the first loser. Only thing that saved us from being hooligans was a dad that was as strong-willed and as smart as his children, and a mother that showed unconditional love to all her kids, all the time. Funny, Yoda......how we grew up literally a world apart, but somehow found each other, and we are gonna change the world! Rock On, Old Man!!!!!

Interesting note:
Dyna came to America in his early 20's, with hardley any money (a couple hundred bucks I think). He flew into New York in Janruary. He had never seen weather as cold as this. THEN, he flew to Chicago (New York was just a layover). It was about zero degrees there and he had lived on the equator all his life! Welcome to Winter, Old Man!

Smokey

Hey! Are you planning a tell all? If you don't hold back some, you may not sell a single copy, lol.

[DNotes]

Happy Birthday Dyna!

Is Smokey in the doghouse??

Thanks, Chase. Smokey is a funny guy.

i HOPE You are all celebrating well and maybe next year we can all meet you in the forst DNOTES convention? DYNA'S Birthday with Dnotes peeps/  

I am kinda in the doghouse.....Dyna gets real embarrassed when folks talk him up. He is the most humble guy I know personally. I thought......hell with it. I just make sure I do not embellish the truth. Just the facts, ma'am.

Interesting note:
Dyna was part of the third-world's "poor masses". He grew up in the mountains of Malaysia, his family farmed coconuts and palm oil. No electricity. Dirt floor hut. Only thing they had with a motor on it was a WW2 British Army Jeep. Farmed with water buffalo. But....out of six kids, they all graduated high school, most (or all) went to college. All were VERY successful. Secret to the family: A VERY extraordinary mother, AND an exceptional dad. When he talks about the "poor masses", he knows what he is talking about.

Correction. Eight kids. Two girls and six boys. One time eight out of eght had their own business. One of the sisters finally gave up and decided to work for a large company. We never had a fight or a serious argument, but lots of passionate debates though.

I also come from a business-minded family, BUT at our house, the were no "quiet discussions". We were loud, proud, and as competitive as the hogs at the troth. Thier were four of us, 5 years apart youngest to oldest. (dont think my parents had TV then, nuttin else to do I guess). We played Monopoly, Risk, Poker, and every other thing that could have a winner. Second place was the first loser. Only thing that saved us from being hooligans was a dad that was as strong-willed and as smart as his children, and a mother that showed unconditional love to all her kids, all the time. Funny, Yoda......how we grew up literally a world apart, but somehow found each other, and we are gonna change the world! Rock On, Old Man!!!!!

Interesting note:
Dyna came to America in his early 20's, with hardley any money (a couple hundred bucks I think). He flew into New York in Janruary. He had never seen weather as cold as this. THEN, he flew to Chicago (New York was just a layover). It was about zero degrees there and he had lived on the equator all his life! Welcome to Winter, Old Man!

Smokey

Hey! Are you planning a tell all? If you don't hold back some, you may not sell a single copy, lol.

Lol. I just about fell out of my chair laughing.

[SmokeysGardens]

Happy Birthday Dyna!

Is Smokey in the doghouse??

Thanks, Chase. Smokey is a funny guy.

i HOPE You are all celebrating well and maybe next year we can all meet you in the forst DNOTES convention? DYNA'S Birthday with Dnotes peeps/  

I am kinda in the doghouse.....Dyna gets real embarrassed when folks talk him up. He is the most humble guy I know personally. I thought......hell with it. I just make sure I do not embellish the truth. Just the facts, ma'am.

Interesting note:
Dyna was part of the third-world's "poor masses". He grew up in the mountains of Malaysia, his family farmed coconuts and palm oil. No electricity. Dirt floor hut. Only thing they had with a motor on it was a WW2 British Army Jeep. Farmed with water buffalo. But....out of six kids, they all graduated high school, most (or all) went to college. All were VERY successful. Secret to the family: A VERY extraordinary mother, AND an exceptional dad. When he talks about the "poor masses", he knows what he is talking about.

Correction. Eight kids. Two girls and six boys. One time eight out of eght had their own business. One of the sisters finally gave up and decided to work for a large company. We never had a fight or a serious argument, but lots of passionate debates though.

I also come from a business-minded family, BUT at our house, the were no "quiet discussions". We were loud, proud, and as competitive as the hogs at the troth. Thier were four of us, 5 years apart youngest to oldest. (dont think my parents had TV then, nuttin else to do I guess). We played Monopoly, Risk, Poker, and every other thing that could have a winner. Second place was the first loser. Only thing that saved us from being hooligans was a dad that was as strong-willed and as smart as his children, and a mother that showed unconditional love to all her kids, all the time. Funny, Yoda......how we grew up literally a world apart, but somehow found each other, and we are gonna change the world! Rock On, Old Man!!!!!

Interesting note:
Dyna came to America in his early 20's, with hardley any money (a couple hundred bucks I think). He flew into New York in Janruary. He had never seen weather as cold as this. THEN, he flew to Chicago (New York was just a layover). It was about zero degrees there and he had lived on the equator all his life! Welcome to Winter, Old Man!

Smokey

Hey! Are you planning a tell all? If you don't hold back some, you may not sell a single copy, lol.

Lol. I just about fell out of my chair laughing.

Just figured since it was your birthday, I would tell a few stories that made an impact on me. (And mebbe embarrass you too!) We were not "poor", but damn close to it. Us kids just never knew it. Your family was VERY poor, but look what hard work and tenacity will do for you. You taught me this: He who does things that others cannot or will not, will win the race. Dont matter if it is a business, or a family, same thing applies. There are plenty more stories for the book that DEMANDS to be written. A book needs written about how the three of us were brought together, (Dyna, me and DNotes) mostly by fate, and by what we have accoplished. But the story is not finished just yet.

Interesting Fact:
Dyna is a genius in several areas, but comes up a little short in other areas. While commuting from Chicago to Ashley a few years back, he said his car would not go over 30 miles per hour! I started questioning him about the car, and asked him when it was tuned up last. He said what? I said, ya, change the plugs, rotor cap, ect? He said: Ya mean I need to tune it up? The car had over 200K miles on it, had oil changed regularly, but NEVER tuned up!!!! The guy does not even know which way to turn a nut to take it off.......I was driving trucks for dad and was so small dad had to put blocks on all the pedals!! Dyna was riding Water Buffalo when I was driving trucks and tractors!

Smokey

[Dyna]

Happy Birthday Dyna!

Is Smokey in the doghouse??

Thanks, Chase. Smokey is a funny guy.

i HOPE You are all celebrating well and maybe next year we can all meet you in the forst DNOTES convention? DYNA'S Birthday with Dnotes peeps/  

I am kinda in the doghouse.....Dyna gets real embarrassed when folks talk him up. He is the most humble guy I know personally. I thought......hell with it. I just make sure I do not embellish the truth. Just the facts, ma'am.

Interesting note:
Dyna was part of the third-world's "poor masses". He grew up in the mountains of Malaysia, his family farmed coconuts and palm oil. No electricity. Dirt floor hut. Only thing they had with a motor on it was a WW2 British Army Jeep. Farmed with water buffalo. But....out of six kids, they all graduated high school, most (or all) went to college. All were VERY successful. Secret to the family: A VERY extraordinary mother, AND an exceptional dad. When he talks about the "poor masses", he knows what he is talking about.

Correction. Eight kids. Two girls and six boys. One time eight out of eght had their own business. One of the sisters finally gave up and decided to work for a large company. We never had a fight or a serious argument, but lots of passionate debates though.

I also come from a business-minded family, BUT at our house, the were no "quiet discussions". We were loud, proud, and as competitive as the hogs at the troth. Thier were four of us, 5 years apart youngest to oldest. (dont think my parents had TV then, nuttin else to do I guess). We played Monopoly, Risk, Poker, and every other thing that could have a winner. Second place was the first loser. Only thing that saved us from being hooligans was a dad that was as strong-willed and as smart as his children, and a mother that showed unconditional love to all her kids, all the time. Funny, Yoda......how we grew up literally a world apart, but somehow found each other, and we are gonna change the world! Rock On, Old Man!!!!!

Interesting note:
Dyna came to America in his early 20's, with hardley any money (a couple hundred bucks I think). He flew into New York in Janruary. He had never seen weather as cold as this. THEN, he flew to Chicago (New York was just a layover). It was about zero degrees there and he had lived on the equator all his life! Welcome to Winter, Old Man!

Smokey

Hey! Are you planning a tell all? If you don't hold back some, you may not sell a single copy, lol.

Lol. I just about fell out of my chair laughing.

Just figured since it was your birthday, I would tell a few stories that made an impact on me. (And mebbe embarrass you too!) We were not "poor", but damn close to it. Us kids just never knew it. Your family was VERY poor, but look what hard work and tenacity will do for you. You taught me this: He who does things that others cannot or will not, will win the race. Dont matter if it is a business, or a family, same thing applies. There are plenty more stories for the book that DEMANDS to be written. A book needs written about how the three of us were brought together, (Dyna, me and DNotes) mostly by fate, and by what we have accoplished. But the story is not finished just yet.

Interesting Fact:
Dyna is a genius in several areas, but comes up a little short in other areas. While commuting from Chicago to Ashley a few years back, he said his car would not go over 30 miles per hour! I started questioning him about the car, and asked him when it was tuned up last. He said what? I said, ya, change the plugs, rotor cap, ect? He said: Ya mean I need to tune it up? The car had over 200K miles on it, had oil changed regularly, but NEVER tuned up!!!! The guy does not even know which way to turn a nut to take it off.......I was driving trucks for dad and was so small dad had to put blocks on all the pedals!! Dyna was riding Water Buffalo when I was driving trucks and tractors!

Smokey

So?? One doesn't need to be good at everything. He just needs to be smart enough to know what he doesn't know; humble enough to recognize the one who knows, and perhaps, joining force to make it a “winning strategy.”

Stay tuned for a true story in business.