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Betting on Bitcoin for FIRE/LeanFIRE while at the lower end of socio-economic level (lower end earner)

Just wanted to see if anyone else on here is basically going big on Bitcoin for their FIRE/LeanFIRE plan while they're a lower-end earner.
I constantly see on other finance related subs people talking about making $100K a year or more, especially in software/IT and talk about their struggle or plan on retiring. But I wonder if anyone on here is on the lower side of things, like $50K or less and doing what they can to stack sats.
Without revealing too much of course, how is it going for you? Do you feel the extreme risk? Did you decide it just made more sense to go in on Bitcoin versus more traditional routes?
I guess I just want to hear more stories from those in the community were not already doing well financially or didn't get in early and how the plan is going for them.
submitted by TheBloodEagleX to Bitcoin [link] [comments]

Every Way I Have Made Money Online Since 2015

I have been making money online since 2015. There are so many ways that I can't remember them all, but here is a list of most of them - including the most significant ones. Hope this helps you somehow. As I'm from Canada, many of these (but not all) are for Canadians.
From highest-earning to lowest, for your convenience:
Gig Earnings $50,000
LocalBitcoins affiliate (non-ref) $10,000
Reddit posting $5,000
HealthyWage personal challenge (non-ref) $3,400 (profit)
Dietbet $200/month posting $2,000
Selling hoverboards $2,000
Bank signup bonus $300
Coinbase Earn (non-ref) $150
HealthyWage individual challenges (non-ref) $50/month
Selling LocalBitcoins trading guide $100
UberEats/DoorDash restaurant $100
Fiverr $100
Selling email list that I scraped $100
Black Friday meal kit deal $100
Craigslist study $75 airdrop $65
Growing hydroponic lettuce at home $15/month
Tangerine bank (use Orange Key: 59103835S1 to get $50) $50 (non-ref) signup bonus $50
Coinberry (non-ref) signup bonus $30
Honeygain (non-ref) $20
Rakuten cash back Canada, USA (non-ref) $10
Amazon affiliate $10
Instead of telling the whole story of each method, and since you care most about the highest-earning opportunities, let's discuss those and if anyone has questions about something not mentioned in this post - don't hesitate to ask, I'm happy to explain.


This is by far my biggest earner. Basically, back in mid 2017, I realized that the crypto market was starting another bull run. I had previously learned that it was possible to make money advertising for companies by adding their custom signature to my account profile so that each post contains links to their website/products underneath it. They paid a lot more back then, because Bitcoin was only valued at around $700-1,000 when I started.
This forum also doesn't care about having multiple accounts - in fact, it's fully allowed. Some people have hundreds of accounts. Therefore, I quickly searched the web for people selling their accounts... and bought a bunch of decently-ranked ones such that I was able to post full-time essentially, making up to $5/post which only takes a minute or two. The best campaign I joined is one called DeepOnion, which paid almost $30,000 in about 1 month!!! All I had to do is make 10 posts a week per account, and they deposited their coin to my wallet. After it was added to an exchange, the price quickly rose and one night my portfolio value went from $3,000 to over $20,000. I sold literally at the peak! I also made money from Bitcoin paying campaigns (they pay in BTC as opposed to their token/coin). Another big score was a campaign called ATLANT, where I made well over $20,000 ...however, didn't sell my tokens and now they are worth a fraction of that. Oh well.
With the above said, I don't recommend doing this anymore, as the forum is filled with 3rd world spammers who realized that it was possible to make big money a couple of years ago, and now they have bots spamming constantly and applying to campaigns and such. I haven't posted there in a long time, probably over 6 months, because it wasn't worth it anymore. It was great while it lasted.

LocalBitcoins (non-ref)

Notice how most of my earning comes from crypto? :p
Well, I found a high-ranking Reddit post about Bitcoin that was ranked in the top 3 on Google for multiple good long-string keywords. In other words, many people (I'm talking hundreds) were finding it on a daily basis. I got my comment to the top spot, which includes an affiliate link and so over 5,000 people ended up signing up and I made a lot from it. My estimate is about $10,000 USD equivalent (pays in BTC daily), although could be more.

Reddit Posting

This is the same deal as Slickdeals, as explained below. However, after SD banned my accounts, since I had a high-karma Reddit account, I realized that my clients might be interested in advertising in "deals" subreddits (mostly Amazon, although it varied). Sure enough, they were and I got paid up to $300 for a single post in popular subreddits.

HealthyWage (non-ref)

This is an app that pays you to lose weight. There are a few different types of challenges, including personal, individual and team challenges. The personal challenge is the one I am currently focusing on, as I bet $125/mo over 12 months ($1500), and if successful, stand to win $4,900 or $3,400 profit. I started at 360 pounds, and must weigh out at 180 pounds or less after 1 year to win. (I know, it's lots of weight to lose, but there is tons of money at stake.)
If you join using my referral link, you get $40 added to your prize and I also get $40. By the way, most people who join make a mistake of betting too much or too little. For example, you might get the same winnings by betting $100/month or $500/month, because the algorithm caps out at a certain amount. With that said, use this calculator to get the exact amount that you should bet to maximize your ROI (click on "Calculate a Healthy Wager"). I didn't know about this before signing up, and ended up betting more than I had to make the same amount (although only $12).


I had a startup similar to Groupon, and had made a few Slickdeals accounts because of that. One day while driving, it occurs to me that people might be willing to have me post on SD using my account since the traffic is so high. Well, I drove straight to the library and posted my Skype contact on about 30 threads on Warrior forum, and that same night I was getting contacts from China and it never stopped. This was way back in 2015, and I had 3 accounts and made $20 per post. I was doing about 1 post/day and sometimes getting $5 to do upvotes as well. All-in-all, after contracting out someone on Fiverr to automate the whole thing, my accounts ended up getting banned and that was that.

Selling hoverboards

During the hoverboard craze of 2015, I made a couple of rudimentary sites and managed to sell about 12 in total, making about ~$100 profit per sale, and selling the sites for $750 and $250 respectively for about $2,000 in total profit. This is the first time I used YouTube as a marketing medium, specifically paid product placement, which you can see here. This video sold 4 boards & I sold the site for $250, and the board cost about $350, so it was a good deal in the end.
Well, that about sums up my online earning history. I'm sure there are (many) other ways I've earned a buck, but simply don't remember them all. Again, don't hesitate to ask any questions you may have and I am more than happy to answer. Thanks for reading.
Edit: it's great to see that this post is interesting to many people
My best suggestions to make fast, easy money are the following:
  • Growing Hydroponic Lettuce this is a new one to me, but I recently started growing lettuce and not only is it super enjoyable, but it's much more cost-effective than buying it from the store. Checkout this video which shows how. All that is needed is a container with some 2 or 3 inch holes, some "net cups" to hold the lettuce in, and some liquid nutrients which are available on Amazon.
  • Coinberry (non-ref) I literally signed up, verified my account and got the bonus within an hour. There is a 3 day hold to withdraw funds, but it's an easy $20 and they also give an extra $10 "customer appreciation bonus" after your first deposit, so you get $30 total.
  • HealthyWage (non-ref) If you need to lose weight anyway, then you might as well get paid while doing so. I recommend doing a minimum amount of weight-loss over 6 months, to make it easier on yourself. When you signup with my link, we both get $40.
  • Dietbet no ref link, but this is a really good earner. I make about $200/month with it by playing in 9 games simultaneously.
  • Honeygain (non-ref) this one is entirely passive, and I highly recommend it. Simply download the app and you make money for browsing online, without doing anything else. I make about $50/year with just my phone. When you signup with my link, we both get $5.
  • (non-ref) this is a legit cryptourrency site that gives you $50 when you sign up & deposit $250. I know it's legit, because I just signed up a few days ago and already got my bonus. Simply buy their crypto in the app with your credit card & stake it for 6 months, and they give you $50.
submitted by Separate-Time to WorkOnline [link] [comments]

How I Got Paid By 65 Different Beermoney Programs in 2018 [Guide]

How I Got Paid By 65 Different Beermoney Programs in 2018

Hi! Welcome to my guide for everything that paid me in 2018. Before I begin, here are a few details:
Now, let’s get into the good stuff.

1. Quickthoughts - $590

This was my top earner for the year and it only took me up until September to earn this amount. I had to stop because they require a W9 for anything over $600 and I was too lazy to file that. It is pretty similar to a traditional survey router, but I seem to have much better luck with not disqualifying here. I get paid $1 per survey but some people earn $2 per survey based on their demographics. Some people have issues with bans and getting locked out of accounts, so it is not for everyone. Because of this, it is important to cash out the minute you hit the cashout minimum of $10. There are both android and iOS apps but I highly recommend using android if possible because the iOS app pays in iTunes gift cards and the android app pays in Amazon gift cards. Overall, Quickthoughts is great if you are one of the lucky ones without account issues.

2. CrowdTap - $270

This is one of my favorite beermoney programs of all time. You complete a variety of very short polls and questions about consumer goods, food products, and services. The polls pay 1.5 cents each and the short answer questions pay 10 cents each. There are other ways that they ask questions, including longer surveys that are a combination between the polls and questions. All of them are well worth it for the time that they take. Reward options include Amazon, Target, Walmart, Steam, Xbox, and more. You can cash out starting at $5 and I am able to cash out about once a week. Definitely add this one to your routine if you have not yet.

3. Prolific Academic - $197.95

This one is great. Take academic surveys for universities and researchers and get paid in cash. As long as you don’t miss attention checks you won’t get disqualified. Some people get multiple surveys a day and others get only a few a week based on demographics. Many pay at least minimum wage. I could have made a lot more on here if I tried. Universally regarded as one of the most “worth it” survey sites so give it a shot!

4. Pinecone Research - $138 + Ranch Dip and Dog Chews

Pinecone pays a guaranteed $3 for 10-15 min surveys regarding opinions on new products. They also send free samples sometimes! You can cash out for a variety of gift cards or PayPal. I get about 1 survey a week on average. Pinecone is invite only so look for invites to sign up on other GPT sites as sometimes you can find them there. If you get in it is some of the best money you can make with surveys for the time you spend on it.

5. Branded Surveys - $130

Branded Surveys has traditional router surveys. A major perk of using Branded used to be their generous daily login bonus. This has been reduced to 5 cents a day, so it might not be worth using this site for the login bonus alone anymore. They have a very high EngageMe rate at one cent per 3 videos if that’s your thing as well! Payouts start at $10 via Paypal and Amazon.

6. Nicequest - $120

Big fan of this one. Their surveys have guaranteed rewards even if you screen out and can pay up to $2-3 for like 10-15 minutes. Their currency is “shells” and each shell converts to about 7 cents. Installing their meter on your devices adds a guaranteed 5 shells per survey. If you add it to your computer, phone, and tablet you get an extra 15 shells (about a dollar) per survey. I just have it on my computer so I get 5 bonus shells. Cashouts are quick for e-gift cards and they also offer physical items. Saving up for larger gift cards typically gives you better rates.

7. PrizeRebel - $107

PrizeRebel is your typical GPT site with a variety of ways to earn, but it is most well-known for surveys. They pay $0.80 per survey on the YourSurvey router and that is where a majority of my earnings have come. Lots of cashout options starting at $2.

8. YouGov - $100

YouGov is a survey site/app that pays anywhere from $0.50 to $2 per survey. The best part of it is that you never disqualify. I get a couple surveys a week. Most of the surveys are about public policy, politics, or general opinions of companies. You get the best value for your points if you save up for the $100 cash out. They offer the $100 cash out in bank transfer and Amazon. The Amazon gift card option used to be a physical mailed card but now its an e-gift card so that makes it even better! They offer other gift cards but they are for smaller values at worse rates so I would avoid them. Available online, on android, and on iOS.

9. iMoney - $89

Get paid to download apps! The best thing about iMoney is that the apps always credit and you can get credit for apps you have downloaded before. That’s not the case on most paid-to-download apps. Earn 15-30 cents per app and there are 3-4 new apps available each day. They offer Amazon and PayPal but PayPal has a small fee. Added this towards the end of the year and hope to make more next year. Might not be in the app store at the moment? Couldn’t find a link to put in the title.

10. VeryDice - $65

Roll dice, get points, redeem for physical items and e-gift cards. I get the daily spin rolls every day and watch their ads for more rolls. The key to VeryDice is saving up approximately 100 rolls before rolling to have enough to get the daily doubles bonus of $0.30. Worth keeping on your phone even if it’s just for the daily spin rolls. Available on both iOS and Andoid. If you want to enter my ref code at sign up you’ll get 30 free rolls :). It is 1319422.

11. Forthright - $62

Sign up and receive invitations to surveys via email. Don’t do their “partner surveys”, they rarely credit and you can get stuck in an endless loop. Their non-partner surveys are awesome. They pay well for the time spent but they also have one of the best disqualification bonusses I have ever seen. Every three surveys you take, regardless of whether you disqualify or not, you get a $2 bonus. That is $0.66 per survey on top of its base pay regardless of whether you qualify or not. They pay instantly with PayPal, Amazon, or Bitcoin.

12. VolKno - $55

Do you like movies? Then this one’s for you. Watch, rate, and tag movie trailers to earn Amazon gift cards. Each trailer has three stages and after completing all three you will make 23.5 cents per trailer. One thing to keep in mind is that you need a physical verification card sent to a US address in order to activate your account. I completed basically every trailer that was posted over the year, so my earnings are a good estimate of what you can plan on earning.

13. Inbox Dollars - $52.03

A pretty shit GPT site with a high minimum cash out. Not sure how I ever hit the minimum cash out here. Would not recommend.

14. Zap Surveys (Ref for $0.75 bonus) - $52.03

There are three main ways to earn here: a 3 cent daily login bonus, 7 cent location rewards for opening the app when a notification appears, and surveys. If you’re going to do surveys on here do relatively short TapResearch ones. The location rewards alone are why I use this app. The one negative of this app is that the cash out minimum is $25. Definitely worth having on your phone!

15. PointClub - $50

This is a pretty normal survey site. They have a daily login streak bonus that can double the value of your surveys when you reach the max streak which can make a lot of them worth your time. I stopped receiving surveys, so I assume I’m banned? So be careful with this one. Cash out minimums are $25 which is higher than I would like.

16. Survey Monkey Rewards - $49.15

Another one of my favorites. Survey Monkey Rewards is a survey app created by Survey Monkey, a big name in survey development software. Surveys all take under 3-4 minutes and pay either 25 or 35 cents based on length. I almost never disqualify, and you can cash out instantly to Amazon starting at $5. Available on Android and iOS.

17. - $71.31 lets people pay Bitcoin to contact you. I mostly received BTC to sign up for ICOs and airdrops for random tokens. They were aquired by Coinbase so there are changes to the program. They require a LinkedIn to make an account now as well (I think). If you can get into the program still it is pretty great!

18. MyPoints - $45

This is a sister-site to Swagbucks. I have decent success with their surveys so I use it for that. They have some other ways to earn but I don’t use them. If you have the same success with their surveys it might be worth using.

19. MicroWorkers - $44.16

Basically a smaller and sketchier MTurk. Lots of short tasks with decent earning potential but you have to find the right type of tasks for you. I did the click, search tasks for a while. There is PayPal with a $9 minimum but if I remember right they mail you a physical card with a pin before you can cash out to verify your identity. Not for everyone but worth a look.

20. SurveysOnTheGo - $43.30

This one is pretty simple. Get surveys on your phone, and redeem for Amazon, Visa, PayPal, and Starbucks! Surveys range from $0.50-$10. Some are location based and involve in-store activities. The more involved the surveys are, the more they pay. Don’t expect a ton of surveys, but many of them are worth your time. Available on Android and iOS. Minimum cash out is $10.

21. Survey Junkie - $40

This survey site is average at best. I am having less success with them recently because I can’t be bothered to take a 20 minute survey for $0.90. The one benefit of this site is that they have a VERY small disqualification bonus. Some people do have success taking surveys on here and the cash out minimum is $10.

22. E-Poll - $35

Another survey provider with no disqualifications! Woohoo! You receive email notifications when you have a new survey. Surveys pay $0.50-$2 and are usually not too long. They pay via a points system and you get better rates if you save up for the higher rewards. I cash out for Amazon, and they can take a long time to deliver rewards so be patient.

23. MooCash - $33.60

MooCash pays you to download apps and then open them for 3 days once a day. I have gotten paid as much as $2 for a single app download. They don’t always credit super easily so I would only try the better paying ones. You can cash out for BTC, Amazon, PayPal, and more. You can use my ref code (EHNPNC) when you sign up for some free coins. I think it’s only available to the first 20 people.

24. InstaGC - $33

This is a pretty basic and easy to use GPT site. Very low cashout minimums with lots of options. Check out LiveSample and YourSurveys for a good place to start on surveys.

25. PaidViewpoint (Ref) - $32.65

Short surveys with minimum PayPal cashout of $15. There are short surveys to collect demographic information that pay 10 cents. If you qualify for any of the longer surveys they can pay as much as $1.50. Surveys can be sporadic so just check the site once a day. Worth the time it takes to put into it.

26. UserCrowd (UsabilityHub) - $32.40

UsabilityHub, now rebranded to UserCrowd, pays you to give feedback on websites and products. Each task pays anywhere from 10-50 cents and the minimum cash out is $10. UserCrowd is nice because unlike other usability testing sites you don’t need to record your voice or screen. I leave it in a pinned tab on Chrome and get notifications when there is a new task. They can vary in how often you get them. I enjoy this one, give it a shot.

27. OnePulse - $30

This app has very short surveys with guaranteed rewards. You never disqualify or anything like that. I get a notification that I have a new paid survey about once a week. Surveys pay 30 cents to start but as you “level up” they become worth slightly more. Right now mine are worth 34 cents. Cashout is at $5 via PayPal. Available on iOS and Android.

28. Watchback - $30

This is the best sweepstakes app I have used. You get entries into the sweepstakes by watching videos. Each video is an entry. I watch 10 videos a day and usually win either $0.50 or $1 each day. It pays via Perk points so it’s a nice supplement to your Perk routine. If this keeps being so easy to win I should make a lot more with it next year! Available on Android and iOS.

29. Dabbl - $30

I started using Dabbl towards the very end of the year. They offer short brand-sponsored polls and videos that pay anywhere from 5-20 cents. These are super infrequent and cashing out from these alone would take the better part of a year. Where I earn with Dabbl is their non-passive ads. You get paid 1 cent per ad so I run them when I’m doing other things. It adds up. They don’t offer Amazon so I cash out for Target. Cash outs are at $5. iOS and Android.

30. Gravy - $25

This is a pretty fun game show app. To summarize the game, you pick a percentage that you think a product will sell out at, and if you’re within the closest few people to the right percentage you win a decent little chunk of cash. I’ve won once. You can buy discounted products on here as well. Go check it out, it’s pretty addicting. My ref code is “Leeves” if you want to throw some bonus guesses my way :).

31. KinIt - $25

Take short polls and quizzes and get paid 6-25 cents a day. The unfortunate thing about KinIt is that they very rarely have their gift cards in stock. When they have them in stock they have a decent selection. Still worth your time in my opinion. iOS and Android are supported.

32. Life Fun and Everything - $25

This was an invite-only survey panel that gives me a $2 survey once a month. Found it on some GPT site.

33. Panel - $25

Install Panel on your phone and get paid for sharing your location data. They drastically reduced their pay rate recently so I’m not sure it’s worth it anymore. Previously you could expect to make about $25 a year.

34. Perksy (Ref) - $25

Short polls that pay anywhere from $0.50 to $1. I get about one a week. Only downside is that the minimum cash out is $25. Various gift cards (including Amazon) are available. Definitely worth keeping on your phone. I think it’s iOS only at this time.

35. Swagbucks - $25

One of the easiest GPT sites to use. Lots of offer walls and surveys. I don’t make a lot here but basically just do daily search, daily poll, Swago, and SwagIQ. If I wasn’t banned from their surveys for some reason I might make a little more. I use swagbucks from time to time to find easy offers to do. Overall, a decent place to start of you’re experimenting with beermoney for the first time.

36. Survey Mini- $25

This app uses your location data and pays you 10 cents (sometimes more) to fill out a short poll about stores and restaurants that you go to. They recently added e-gift cards instead of physical cards so that makes it a lot more attractive to use! iOS and Android.

37. IBotta - $20

This is one of the better apps that give you rebates on select grocery items as you shop in-store. If you buy a lot of groceries, there is money to be made here. They also have traditional online cashback portals and offers.

38. Streetbees - $19

This app has surveys with a more personal and fun spin. You get paid via PayPal for each task that you finish. There aren’t always tasks available but when there are, they often pay well. I had one for testing an app that paid $9! It’s a nice option for something a little different than traditional surveys.

39. AttaPoll - $15.29

Attapoll is a survey app that sends you more traditional router surveys (many of which are Cint surveys). You might disqualify quite a bit here depending on your demographic so I stick to the short ones. Payouts are via PayPal, Bitcoin, and Ethereum. PayPal starts at $3 (nice), ETH at $3.50, and BTC at an insane $100. On both Android and iOS.

40. Smores - $15

Smores is an Android lock screen app that pays a flat $0.10 a day for unlocking your device once. Their non-passive video section pays a cent per 2 videos at the moment so that can be a decent earner as well. Cash out as low as $1 for Amazon and other gift cards. I was pretty inconsistent in my daily unlocks this year and hope to increase my earnings next year.

41. Crowdology - $10.04

Very straight forward. Do surveys, get paid. Some people have success with this type of site, and others disqualify a lot. I would stick to any surveys under 10 minutes in length to avoid wasting your time. Cash out for Amazon or PayPal at $10.

42. Achievement - $10

This app pays you based on your steps. I have it connected to Apple Health. It took me about 9 months to earn $10 and I am pretty active. Android and iOS are both supported. Doesn’t run in the background or drain my battery from what I can tell so it’s very passive and harmless.

43. Gamermine (Ref code for $1 bonus) - $10

This is a GPT site with a few offer walls. They have good EngageMe rates as well as a 5 cent daily bonus as long as you’re making a dollar a week on offers on the site. This is basically the only truly passive income that I have made this year from running EngageMe.

44. Cross Media Panel - $10

This is a program through Google that paid you to let them have an extension on your browser and on your phone. They discontinued most of this program so I am no longer earning from them. Parts of this program still exist but I haven’t looked into it much. Probably just worth skipping over at this point.

45. Lifetap - $10

This app is just a garbage survey router now. It used to have some other short guaranteed-pay surveys. I wouldn’t mess with this anymore.

46. PayTime - $9.99

Paytime lets you earn money for your subscriptions by watching ads and answering a few questions about them. You can only cash out once a month because it is supposed to be used for monthly subscriptions. All they do is send you $9.99 via PayPal or Venmo once you watch 40 ads. The catch with PayTime is that you need to be a student at one of the universities that they support. Check their website for the list. Overall, if you are a student it could be an easy $10 a month. Hope to use this more next year.

47. Ready Games - $9.19

Get paid to play games! There is a new game every 48 hours and the top 20% of scores at the end of the time period get paid. The top player makes $7 and the payout decreases as you go down the ranks. I have won somewhere around $2.50 every game that I have made it into the top 20%. Pays via PayPal when you win. On Android and iOS. You can use share code “lucky-disk-68” if you want to give me some extra lives :).

48. Carepoynt - $7

This is a pretty bad healthy living/rewards site. I think they had a few easy ways to earn, like downloading their app, and that’s how I cashed out. There was a post about it so be looking for opportunities like these on the subreddit. I won’t be using this again.

49. Amazon Shipping History Task - $6

Look for tasks like this that get posted on the subreddit. Got paid to submit some shipping data from Amazon.

50. DailyWin - $6

This used to be a scratch card app with a non-passive video section but it seems to be dead. Move along, nothing to see here.

51. CitizenMe - $5.97

Take short polls. Get instantly paid small amounts of money via Paypal. Pays in GBP so if your currency is USD you get to take advantage of that increase in value. Polls are spotty but worth it due to the instant payout (so no minimum or anything like that). iOS and Android.

52. PollPass - $5.15

Answer polls and get paid! Pays via PayPal at $5. Very simple and fun to use. Just answer the polls whenever they are available and watch the points add up. Added this at the end of the year so hope to expand on this next year.

53. Brand Insights Polling - $5

I honestly have no clue how I got paid by them. I think I took a survey that I found from a Facebook ad or something?

54. CashForApps - $5

Get paid to download apps! They don’t pay the best and sometimes have a hard time crediting but still might be worth a shot. The very best paying apps pay around 30 cents. Some pay pennies. Available on iOS and Android. You can use my invite code “4848a6” and get a few free points.

55. EarnWallet - $5

This was a from a promotion that was posted on beermoney for just downloading EarnWallet. Check out the sub for opportunities for occasional promotional opportunities like this.

56. Shopkick - $5

Scan items, check into stores, and earn cash back for buying certain items. Not a huge earner but can be fun to mess around with when you’re out shopping. Available on iOS and Android.

57. Louder Rewards - $5

This app paid $5 Amazon to download 5 apps and use them for 3 minutes. It was a one time offer so I don’t use it anymore. It’s on iOS and Android.

58. Qmee - $4.68

Install their extension and get paid a few cents for random searches that you make. They also have surveys. I use PayPal to cash out and there aren’t any minimums that that’s cool!

59. Google Opinion Rewards - $4.68

This app sends you occasional very short surveys from Google that pay 10-20 cents. Using Google services and being mobile seems to increase the number of surveys that you get. Some people get a lot, some get less. Worth just having on your phone. The iOS app pays via PayPal and the Android app just give you Google Play credits.

60. College Pulse - $5

This app has polls for college students to take. I think you need a .edu email address? Their rewards kinda suck so I stopped using it but they had an offer to cashout for $5 bitcoin to the Ben bitcoin wallet so I did that. Maybe worth it depending on what reward options they have at the time. Android and iOS.

61. Fetch Ref Code For $2-$5 Bonus: XE2XG - $3

Scan receipts and get paid. I get 2.5 cents per receipt on average. They also have products that you can get rebates on when you buy (sorta like iBotta). They only accept grocery store receipts. A good addition to your receipt scanning routine.

62. Quick Survey - $1.61

See my section on iMoney. Very similar but with less apps available and larger fees.

63. CoinOut - $1.02

This is one of the most straight forward receipt scanning apps. It pays 1-5 cents a receipt (typically 2 cents). Cash out starts at $1 for Amazon or PayPal which is way lower than most receipt apps. Very nice. Hope to earn more with this next year. Has both Android and iOS apps.

64. Indeed Job Spotter - $1

This app pays you $0.50 per sign to submit help wanted signs that you find around your city. I have never actually submitted a sign but got paid $0.10 per sign to verify the validity of other people’s signs. I’ve seen people make pretty decent money on here.

65. 1Q - $0.25

This one seemed cool at first. Take short polls, get paid $0.25 instantly via PayPal. The problem is that I never get polls anymore. Others have had the same experience. You might be able to squeak a few cents out of it. Android and iOS.

TOTAL: $3014.92

Hope this helps you guys out, and if you have any questions let me know! Let me know what I should add to my routine :). Thanks to everyone who contributes to this subreddit because I found many of these programs thanks to you! Have a great 2019!
submitted by Goldeneye0242 to beermoney [link] [comments]

ESPTCO - Your home of Bitcoin Advertising and Earning

ESPTCO Your home of Bitcoin Advertising and Earning
What is it about? There is a big gap in the advertisement space related to Cryptocurrency, When we wanted to grow we had to work very hard and do work manually, It took time to understand, how Backlinks, SEO and Website growth worked. It would cost too much money if we wanted strong sites linked into us helping us grow, and most important Getting dedicated attention to present our project, so we looked for a solution but you know as they say When you want something done right you got to do it yourself!, SO we did exactly that Presenting you ESPTCO
Why are WE Unique? (maybe even the best 📷 📷 ) FOR ADVERTISERS
FOR Earners
SO please join in in welcome Another addition to the Family of ES Products ESPTCO
Thank You for your time, if you have any questions please let us know
submitted by Crypto_playa to BtcNewz [link] [comments]

Signs of the Times....We are not there yet!

First off this is not a puff piece nor is it a shit post...
The good thing about this Subreddit is that everyone has the right and opportunity to voice their concerns, fears, suggestions, and opinions. Between all the cries of the "sky is falling" and "we've been scammed" comments vs. "hey this is a great opportunity to double you're bag" to "don't worry we will be okay in the end" a focus on the facts and fundamentals too often gets lost in all this noise.

There is no doubt that all who invested in Kin, no matter the amount, has lost a big percentage of their money, myself included. To-date if you're still holding the loss is on paper and still very real. If you sold and realized your loss that's gonna hurt a bit more. The angry ones will look to place blame, whether that be with Ted, Kik, or the Foundation but if you are in this group don't forget to blame yourself some regardless of how thorough your due diligence. No investment is risk free.

Everyone who invested in KIN did so for the same reason, the value and potential, if done right would literally be a game changer and give you bragging rights to see what people saw in companies like, Facebook (yeah I said it), Amazon, Netflix and Bitcoin. KIN was born from an established company with a proof of concept with KIK Points and a history of innovating things like bots and themes before others. So was the risk in KIN any less risky??? No, they just had a bit more history for confidence that if they can duplicate with KIN what they did with Points and expand it to be inclusive of others...well..they truly would be on to something.

The Left Turn
Even though KIK was contacted by the SEC shortly after their ICO and I suspect even then they had an idea that it would end where we are today but decided to play nice with the SEC with the hopes of getting them to see the need to accelerate proper regulation for the crypto space. Obviously the later did not happen.
The timing could not have come at a worst time, right in the middle of the swap and during a period when they were actively pursuing top tier exchanges and negotiating with design partners. Admittedly this sucked the air out of the room. One can assume the SEC caused exchanges and some partners to hit pause whether temporarily or permanently, time will tell. As a result we are all watching the price of KIN fall and wondering how low will it go, will it go to zero. Truth is no one knows.

Who's At Fault
To say Ted, KIK, or the KIN Foundation are to blame would not be an accurate statement. Do they share some of the blame, absolutely, could they have done things differently, faster, better etc., absolutely. Keep in mind I don't know one arm chair quarterback who lost a game. Looking back I'm sure Ted and Co. would have done a thousand things differently knowing what they know now but to imply that they are not taking this seriously, or it doesn't matter because they have the money from the ICO is foolish. Remember they have big bags of KIN too, and want and need KIN to succeed just as much as we do. So stop inferring that they are clueless and don't know what they are doing or just flying by the seat of their pants with no plan or direction. They have plan, will it win out in the end, will the win against the SEC...don't know, your guess is as good as mine.

Signs of The Times
There is a lot of noise about price decline, mismanagement and opinions that KIN will never succeed and that the SEC is the final nail in the coffin. Despite the SEC litigation and price decline, what would really concern me is if we see any of these, then maybe this would be a true indicator that the end is near.
To be sure there are headwinds ahead, very strong ones at that. Will KIK/KIN survive, I hope so. I've invested my money which to this point 90% on paper is gone. I'm okay with that partly because there is nothing I can do to get it back. What I can do is watch metrics that are important to me and as long as I see them trending in the right direction, then there is a chance for this to turn around to some degree, how much and when...don't know but I will wait and see. I made my bed and I'm willing to lay in it.

So if you're angry and bashing Ted & Co., the community as a whole or individuals within helps you cope...then let it rip and get it all out...we'll give you a hug at the end when you're done.
submitted by LostInKinCrypto to KinFoundation [link] [comments]

What are your thoughts about Elizabeth Warren?

Got those who don't know her.
Republican before 1996.
Democrat after.
Warren was registered as a Republican from 1991 to 1996.[1] She voted Republican for many years. "I was a Republican because I thought that those were the people who best supported markets", she has said.[8]According to Warren, she began to vote Democratic in 1995 because she no longer believed that to be true, but she has said she has voted for both parties because she believed that neither should dominate.[66] According to her, the Republican Party is no longer "principled in its conservative approach to economics and to markets" and is instead tilting the playing field in favor of big financial institutions and against "middle-class American families".[67][68]
This women has a remarkable education and history. A frustrating thing for me is that it seems like Liberals and Socialist are often well educated and are populated historically by early doctorates earners such as Albert Einstein as well as college graduates, scientists, teachers and high GDP regions.
Where as Capitalism/ free markets/ Conservitism seem populated by wealthy, business owners, religious leaders, traditionalist and oil tycoons.
I do not consider myself a smart man. I don't have a degree, I haven't invented anything, I haven't made some lucky investment in Bitcoin. The history and success of a person and how they were successful are important to me. I look for historical trends and try to determine what historically performs better in what setting, and what the variables are that surrounded the circumstances.
The trend I am seeing is that people who have accomplished greater personal achievements seem to lean liberal/ socialist. Where as people who have aquired money on ownership and the labor of others, favor Conservitism/ capitalism.
submitted by Zelk to CapitalismVSocialism [link] [comments]

ESPTCO - Your home of Bitcoin Advertising and Earning

This is an official thread to present you:ESPTCO Your home of Bitcoin Advertising and Earning
What is it about? There is a big gap in the advertisement space related to Cryptocurrency, When we wanted to grow we had to work very hard and do work manually, It took time to understand, how Backlinks, SEO and Website growth worked. It would cost too much money if we wanted strong sites linked into us helping us grow, and most important Getting dedicated attention to present our project, so we looked for a solution but you know as they say When you want something done right you got to do it yourself!, SO we did exactly that Presenting you ESPTCO
Why are WE Unique? (maybe even the best 📷 📷 ) FOR ADVERTISERS
FOR Earners
SO please join in in welcome Another addition to the Family of ES Products ESPTCO
Thank You for your time, if you have any questions please let us know
submitted by Crypto_playa to paidtoclick [link] [comments]

Got very lucky with a startup. Need advice on Asset Allocation and tax implications for FIRE.

I am trying to work out what my asset allocation should be and how to minimize taxes when it comes to my assets and I don't really know what I am doing. Any advice on the allocation, the re-balancing strategy or (most importantly) the tax considerations would be appreciated.

Some notes:

Asset Allocation
I want roughly the following asset allocation (excluding a paid off home, cars etc.):

The reason for the 60/30/5/5 split is that I want to preserve capital (I doubt I'll ever get another windfall like this) while getting enough growth to live decently until we're 100 (!). The "speculative" portion is because occasionally I want to take a risky bet on something that I feel very strongly is a good investment. Initially that means keeping 5% of the money in shares of the post-IPO company, assuming I continue to believe they are on the right track.

The plan is to keep the main 60/30/5/5 split indefinitely, re-balancing when stocks or bonds move by 5% overall in relation to the other. I want to maintain roughly 15% of our assets in the UK and denominated in pounds but will only actively re-balance this split if it goes below 10% or over 20% of total assets.

I mostly want to use the lazy re-balancing method ( but given that future contributions will be lower than current, I am not sure if this will be optimal.

Tax questions:

  1. Cash - if I get interest income from a regular high-yield savings account, is this taxable as long-term capital gains, regular income, or something else.
  2. Currency changes - if I get a big gain or loss relative to the dollar from crypto or UKP, do I pay anything on that?
  3. Foreign interest - I plan on having cash and stocks in UK accounts. Does this change anything for tax reasons and if so, what?
  4. For tax purposes, what assets should be in the 401k? What assets should be in the Roth IRAs?
  5. If bonds are in a taxable account, do they count as long-term gains or regular income or something else?
  6. Is there anything else that I can do to reduce my tax burden, both in the initial IPO sale and, later, on investments? Perhaps real estate?
  7. If I count the 529 plans as assets to be balanced, what should I store in them given that the money isn't needed for 10 or 15 years and given the tax advantages?
  8. Am I missing anything else?

I know this is a lot but I felt it was best to consider the complete picture. Let me know if I should be posting this somewhere other than this sub.

submitted by DullInspector7 to financialindependence [link] [comments]

The Future of Cryptocurrency in the Philippines

Emerging Technologies by 2020 As we come to approach a new era of technological revolution this coming year 2020, the rise of artificial intelligence (AI), Fifth Generation Cellular Technology (5G), Internet of Things (IOT) and Blockchain technology, these technological innovations would undoubtedly disrupt most of our traditional Industries here in the Philippines as we know it. (Hold that thought for a minute.)
Current Situation of the Crypto Industry in the Philippines
Facebook, Twitter, and Instagram are among the top picks where most people get their news. It is then obvious, that most marketers, journalists, and influencers, take advantage of these mainstream social media channels as the perfect medium to promote their digital currency of choice or ads to reach a larger target audience compared to the traditional newspapers or postal mail.
These have its pros and cons. As the cryptocurrency space is gaining popularity at a rapid rate, more and more Filipinos are enticed to seek refuge to the promises of guaranteed and instant returns “get rich quick schemes” from networking companies to Ponzi schemes, and cyber scamming sites, just to name a few.
The innovation of the blockchain technology using cryptocurrencies especially bitcoins has also been a godsend for criminals. Money laundering through various casinos in prominent cities in the Philippines has been rampant, as transactions through Bitcoin is easy and convenient while tracking the original money is near impossible.
Extortion also play a major role. We may have no major reports of extortion here in the Philippines that involves crypto (AFAIK) but just recently, Binance a big player and the top cryptocurrency exchange by far with an average of 13–15 million users worldwide (according to a recent interview with CZ), has been in the social media radar due to an extortion attempt to their company, on an alleged Binance Know Your Customer (KYC) data leak.
With all the fear, uncertainty and doubt, it is obvious that the common response of most Filipinos, when asked about cryptocurrency in general (especially when asked about Bitcoin), is that it is a scam, a Ponzi, a bubble, and the most convenient medium of exchange for drugs, terrorism, pornography, human trafficking etc etc. which is (IMHO) partly true.
Mainstream adoption of cryptocurrencies in the Philippines
A study made last January 2019 by Napoleoncat reveals a total of 74,850,000 Facebook users in the Philippines. That accounts for roughly 68.6% of the country’s entire population. What does social media demographics have to do with cryptocurrency in the Philippines as you may ask?
As Facebook recently announced its development and launch of its Libra coin by 2020, along with the deployment of 5G, IOT, AI and the continued improvements of the blockchain technology. Imagine the 68.6% population of Filipino Facebook users that will be exposed to the convenience of this technology. There is a good chance that this will pave the way for Filipinos to finally get involved and adopt cryptocurrencies for day-to-day transactions.
Aside from the internet usage, remittances from Overseas Filipino Workers (OFW) would certainly play a major role as remittances have a proven track record of being the top dollar earner among all financial sectors for the last 2 decades. It is also a proven fact that OFW remittances is currently the biggest economic lifeline of the Philippines apart from the BPO Industry.
Let us say cryptocurrencies get adopted in a year or two, thanks to social media and Facebook as a common past time of Filipinos (no pun intended). Everyone would enjoy a safer, more efficient transactions, with zero to minimal transaction costs, instant cross-border money transfers or payments, transparent transaction history and the coolest thing, this could all be done with just a few swipes on a smartphone.
Compare this to the current traditional remittance transactions which usually takes days to transact, staggering 10–20% transaction fee, heavily centralized, meaning you have to spend a few minutes to hours just to find the nearest remittance center (pera padala center) to execute your transaction, think about it, think about how inefficient and unfair that is in our current technological state.
We are coming to the point that these major financial intermediaries like banks, remittance centers, and financial companies will be eradicated and replaced by smartphones. Sure, the idea seems overrated but it is already happening. Just take a look at some of the countries that are currently experiencing hyperinflation, where their currency is losing value at an alarming rate.
The people of these countries no longer trust their banks, nor their government. Instead, relying on the use of smartphones to transact and convert their money through various crypto-coins has been the only proven way that works to hedge their financial assets, their life savings, from hyperinflation.
In conclusion:
It is no longer a question of “will cryptocurrencies be adopted” in the Philippines, but a question as to when. I firmly believe, with the growing community of Filipino crypto enthusiasts, surfacing in various social mainstream Media, promoting the use case of blockchain technology, we are going to be an influential part of this financial technological revolution sooner than expected.
People want freedom, the freedom to transact anywhere, anytime, with no limits. People want something that is efficient, transparent and safe with fair transaction costs and seamless that it happens in an instant. People want full control of their finances, and these technologies we have is the key. The key that will promote a decentralized system that will eliminate the traditional financial problems of transparency, corruption and economy unevenness here in our country.
submitted by hom0_erectus to Philippines [link] [comments]

Just found your sub!

Found you lateralusyellow on the bitcoin forum thread as it's been the only other place I could find conversations about Martin's work. I haven't contributed there but followed it since the early days on and off.
I set up /ArmstrongEconomics/ a while back to see if there was interest, but /aec looks like more traffic which is great, hopefully!
As a few others have mentioned in other posts here I'm an avid Armstrong reader (8 or 9 years or so) and very grateful for Socrates and Martin's writing. I've had the basic Socrates subscription since it began, i'm not a big trader, but am scraping a living after going full time with a smallish account a few years ago and hope to do a lot better in the coming years. No WEC events for me either, as NZ is far away and costs to go are a bit high for me currently.
I also bought the pro Socrates when it was quietly made an option last week, my payment was accepted and confirmed, but since then all I get is a runtime error which is disappointing. But, I've been waiting like many others for nearly two years(?) now, so hopefully it'll get sorted soon.
Like you, I also traded the short from the 19th Jan high on the SPX which was a nice wee earner.
Anyway, I've put this sub on my daily reading list and thought I'd say hello. Glad to find others genuinely engaged with Socrates and Martin Armstrong.
submitted by seipounds to aec [link] [comments]

Top GPT sites for new/old earners, instant withdraw.

Hello Reddit users,
In my many years of using sites for earning some money in your free time, there are a two sites in specific have stood out to me. I have used over 25 sites in the time that I have been earning and these two are the one's, that I have found, with the best options for the average user! There are several people who I see consistently earn $20-$40 each day on these sites.

1. Ref | Non Ref

*NEW* YourSurveys Panel
A new feature has been added to the site for all the survey takers out there. The owner has added a YourSurveys Panel separate from offer walls, eliminating the middle man and giving the users the highest possible payout. It pays 800 coins per survey if you do the basic surveys, and the ones that you select vary but are much better paying then ever before.
Gain is definitely my favorite site that I have found through the years. The owner is super nice and helpful and there is almost always somebody on to help you. Once you join the site you start unverified and withdraw won't be instant but if the owner or admins are on, they will put it through for you. After just a few surveys you will get verified by the owner and withdraw will be instant. This is the best feature of this site considering almost any other site that I go on it takes ages for my withdraw to go through. The payouts on Gain are pretty good and definitely better than some of the bigger name sites. With 5 different offer walls there is never a shortage of surveys. Gain gg also has a leaderboard and the top three for each day get $5, $2.50 and $1 bonus. The top 3 monthly earners get $50, $25, and $10.
Withdraw Methods
There is Paypal, Bitcoin, Bitcoin Cash, Ethereum, Litecoin, Bitskins, and OPSkins to cash out. All of which are instant after verification. 1000 coins is $1.

2. Ref | Non Ref (No $1 on sign up)

Gamermine is another amazing site with an active owner and some cool features. When you first come onto the site you will be greeted with a free dollar, which will be withdraw-able once you do some surveys. Payouts on this site are also instant, which is one of the big reasons I like this site so much. There is also a nice leveling system to give you bonuses for the more you earn. As you level up through the five tiers, you will get a bonus offer % and a referral offer %. The bonus offer % gives you a certain percent more from every offer you complete. This maxes out at 10% once you reach the max level. The offer already pay decent and this makes them pay very well once you are given that bonus. If you have a problem on the site you will need to contact the owner on discord and he will usually help you out pretty quick. There is also an option to wager your coins on dice that is in site to make some more coins. This site is a close second to Gain.
Withdraw Methods
There is Paypal, Bitcoin, Ethereum, Amazon gift cards, Steam gift cards, League of Legends gift cards, and OPSkins withdraw options. All of which are instant. 1000 coins is $1.
Happy Earnings! I hope you enjoy these sites.
submitted by bocahs to WorkOnline [link] [comments]

Call to Cast: Cast. Gets Cheers. Get Paid.

The first Closed Qualifier for the Artifact Bitcoin League $2K BTC Main Event is coming up this weekend. I will cast it if I have to, but you will all regret it. To prevent mass riot, I am opening the casting up to the community!
Anyone with casting experience is welcome to cast. To sign up, say hi in the call-to-cast channel in Discord and post a link where people can find your work. If you don’t have casting experience, make a demo from one of our YouTube videos or your own video and post it in the call-to-cast channel.
From now until the end of the Main Event on Feb 3rd. All cheers on the Artifact Bitcoin League Twitch channel will be split 50/50 between casters and the prize pool. The more you cast and promote, the more bitties you can earn.
I hope this gives an opportunity for small time casters to make a few bucks while also giving T1 casters a chance to participate in a community event while preserving their fee structure for larger events. Also, if viwers cheer 2 bits then the grand prize winner will be a solid 8th place on Liquipedia for all time Artifact earners. Heh.
Big thanks to @ImpeduousPanda for discussing this idea with me a bit and offering to cast a few of the Main Event games! That is, of course, if he isn’t too busy winning the tournament or skiing. What a life.
To get paid for casting a game, you must successfully cast that game. I will determine success. My bar is low, very low.
Payout will be distributed evenly to all casters according to number of games cast, regardless of fame, following, or importance of the match.
If you do something against Twitch TOS or generally considered dumb on air, you forfeit your earnings.
Caster payouts issued with cheer payout from Twitch (45-75 daysish? I don’t know, Twitch hasn't given me no money). If the caster payout is not that much, then I will just pay it out immediately.
I will cover the prize pool portion to pay out immediately upon end of tournament.
All payouts in BTC
Artifact Bitcoin League
submitted by mkbit to Artifact [link] [comments]

What makes BitcoinZ different than other coins?

Since this question has came up alot, I am posting my previous response in another thread in hopes that it will be easier to find and result in less of these type of questions. Please feel free to add what you see as unique about the coin as well.
1 - Community - "Who is/was behind BTCZ and how serious are they about the project?" The answer is anyone who is interested in making a direct impact on the future of the coin can be behind it! Currently, we have more than a handful of dedicated individuals who are putting hours into the project in many different areas without asking for any kind of compensation for it. These are not just programmers or IT developers, but business owners, investors, college students, and many others. Literally people from all walks of life contributing to the project in whatever ways they are proficient and capable of adding value to the community. On top of that, all choices as to what features and ventures are to be pursued using community funds are put up to vote, leaving the choice and direction completely in the hands of people like you and me. This is probably the strongest characteristic of the community as in many ways it resembles the early-day Bitcoin community when the price of Bitcoin was nonexistent.
2 - Scalability - Now from a technical aspect, This coin should peak your curiosity when you get down to the sheer number of transactions the BTCZ Network can handle in comparison to other popular coins. For example, Looking at BTC in its current form, there are MANY unforeseen technical limitations the coin has which are due in part because of its massive success. These issues have arguably made it unusable in its intended form... as an inexpensive way to transfer money.
With such mass adoption, slow transations times have become the biggest threat to BTC as adoption continues. This is due primarily because of the size of the block (Block size) and the predetermined time that new blocks are released onto the network(Block time). Each time someone sends coins to another address they generate a transaction which is package into the next block for processing. The average size of a transaction is 495 Bytes. Since these parameters are hard coded into the network client software, once activated it becomes extremely difficult to convince everyone (or atleast 51% of the network) to switch to a new version of code in order to change parameters as we have seen in the SegWit2. To understand why this matters further we must understand the distinctions between other coins and how BitcoinZ compares. See below:
Transactions per second can be calculated using this formula: Maximum Block Size / Average Transaction Size = Average Transactions Per Block / Block time (In Seconds)
Coin - Block Sizes - Block time - Transactions per second
Bitcoin - 1,000,000 Bytes - 10 Minutes, 32 Sec - 3.19
Bitcoin Cash - 8,000,000 Bytes - 9 Minutes, 36 Sec - 28.05
BitcoinZ - 2,000,000 Bytes - 2 Minutes, 32 Sec - 26.05 ( Transparent transactions)
This means that BitcoinZ is nearly 8x times faster than Bitcoin, and is currently observably faster than Bitcoin Cash in Performance by almost 30 minutes (even though the numbers don't show it).
3 - Privacy - As you may already know Bitcoin, and Bitcoin cash are pseudo-anonymous currencies that are in fact traceable with enough time and resources. BitcoinZ on the other-hand draws from the same technology as the highly successful Zcash cryptocurrency but in an open, fair ecosystem that doesn't charge a founders fee for the technology. Utilizing what are known as "Zero Knowledge Proofs" or “Zero-Knowledge Succinct Non-Interactive Argument of Knowledge,” Known in short as zkSNARK. This technology allows users the choice to send currency to another users without leaving any signature of where the money is coming from, therefore making the transaction completely anonymous.
While many say "This is only a problem if you have something nefarious to hide" however this cannot be further from the truth! This has a VERY real issue that can have a major impact on your daily life. For example, with the rise of Big Data everything you buy with a credit card / debit card, or any other digital fiat currency medium is tracked by big data companies for credit and government agencies alike. Furthermore, these same agencies are using your purchasing history to draw conclusion of your creditworthiness, criminal potential, and overall reliability as a debtor based off what you buy on daily basis. But it doesn't stop there!
The knowledge of the things you buy are literally being used to decide, how much you will make (if your job looks at credit), if you are reliable enough to own a house, and/or how much you get charged for credit... All being decided because your purchases " fits the statistical profile". Have a great credit rating? But become seriously/life threateningly ill? Your credit profile just became high risk. The minute you pay for that prescription for life saving drugs / doctors bill, your probability of getting a loan just got exponentially harder should you need it in the future.
4 - Supply - One of the major distinctions is the 21 billion supply, which makes it actually attainable and usable by the working poor / middle class - Unlike Bitcoin, Bitcoin Cash, Zcash, Litecoin, Ethereum or any of the other "well known" currencies - where 1 coin would cost an average low income earner an entire months electricity, water bill, and phone bill just to own 1 coin, BitcoinZ is extremely affordable to obtain. This is where all the well known coins are failing, and where BitcoinZ shines in beings readily accessible to the masses because of the supply being high enough to keep the price reasonable.
This is primarily due to the level of scarcity people have been built into other coins due to max supply of only a few million, when we have 5 billion people in the world today. The currency needs to be within reach of the working poor / middle class for it to be truly useful for things such as buying a gallon of milk, or a cup of coffee. For Example, people are not going to give up Fiat only to have to calculate "do I spend" .0001 LTC for my cup of coffee, or is it .00001?"
Furthermore, In a theoretical sense BTCZ's 21 billion coin supply is enough to where every person on earth today could have at least 4 coins each assuming all things equal. Because of such an ample supply we will never see this coin going to $20k per coin, nor do we want to see it go this high. In an ideal scenario you would be able to buy gallon of milk or a cup of coffee for somewhere around 1-5 BTCZ. Far easier for the layman to calculate than .0000002 BTC.
I hope this was helpful in answering your question and that others find it useful as well. Should you have any further questions, please feel free to post them in the future and I am sure one of our community members will respond.
For TLDR'ers
1 - Community
2 - Scalability
3 - Privacy
4 - Supply
submitted by rizzman1000 to BTCZCommunity [link] [comments]

One unanswered question: What happens when all those vendors cash out?

Although I've been involved in Electroneum since the ICO, and although I'm one of the most positive ETN supporters you'll find, there's one question in my mind that I can't seem to get a proper answer to. And the answer to this question is vital to the coin's continued success.
Let me paint the scenario. Hear me out...
So the aim of the project is to give out a few coins to everyone through the mobile miner so that all ETN users will have a few coins to play with. Users will then be able to use those coins to pay for their mobile data and value-added services at mobile carriers, and possibly buy goods and services from vendors (either one-man-shops or larger chain stores) that accept ETN as payment.
But at some point, those carriers and vendors will want to exchange their ETN for fiat to make their profit, won't they? And the only way to do that is to sell the gathered ETN at an exchange. When that happens, the price will drop (especially considering that those carriers will sell a considerable amount of coins at a time).
This process will devalue the coin and users will, therefore, need to pay up more ETN for the same amount of "data" or "goods" that they bought before. The carriers and vendors then sell of those coins again, driving the price down even further. And it creates a never-ending cycle of devaluation.
And on top of that, you have more than 120,000 investors who participated in the ICO, who desperately want the see the value of the coin to grow, just so they can sell off their ETN for a profit - further devaluing the coin.
So my question, how will this be addressed?
One way to keep the price stable is to get more users and investors to buy the coin - physically exchange their fiat or BTC for ETN. But why would they do that, other than as a form of investment? Just to be able to spend it on data or goods, which they could have done with fiat in the first place?
For me, the only way that the value of this coin will be sustainable is when it truly gets into mass circulation - used by everybody as a true means of exchange. This will only happen when those vendors and carriers don't bother selling their coins but instead buy directly from other vendors using ETN.
So how can we address this issue? How can we keep the coin from devaluing? Perhaps this is something the team needs to build into their agreements with the carriers - saying that, in order to keep the coin from devaluing, carriers are only allowed to spend the ETN directly for goods and services (like paying maintenance guys and staff, buying advertising space, etc.) instead of selling it off for fiat.
I get it that Bitcoin had to face to same problems, and have survived. But it was backed (and still is) by investors and miners who believed in the project. But with ETN, we will soon have big earners in the field in the form of carriers, who care about nothing other than their bottom line. How do we prevent them from devaluing the coin?
What is your take on this? Am I missing something here?
submitted by benjaminoo3 to Electroneum [link] [comments]

Japan is driving BTC, leaving altcoins almost untouched.

I am reading all this speculation about why the prices are doing what they are doing. I have not seen anyone talk about where the money is coming from yet. This shows that currently 62% of bitcoin"s volume is coming from Japanese yen. Ethirum is all but untouched on the big 3 JP exchanges (but is available). Only .5% of current Ethirum volume is coming from Yen Yet USD and Korean Won make up over 50%. Then looking at Litecoin, my biggest earner in Japan, isnt even charting in the last 24 hour trade volume, but again huge in the USA and Korea.
I just find it curious so much cash if being pumped in to BTC from Japan, but they are leaving almost all other ALT coins alone. USA and Korea, numbe 2 and 3 in trading volume in the world seem to be the only driving forces for alt coins. That being said a lot is traded FROM BTC and we don't know where that is coming from, at least with this data.
submitted by the_nin_collector to CryptoCurrency [link] [comments]

Anarcho-Nomadism: The perpetual flight from oppression

I ran into two interesting articles today, that both seem to be missing the same point. There's this article from iron_dwarf on the Ran Prieur subreddit and this article from MakeTotalDestr0i.
To summarize, one of these articles is David Graeber's critique of the grand myth of civilization, in which we assume that we lived in egalitarian bands of hunter-gatherers, until eventually we invented agriculture and everything went to shit. Graeber rightly points out that there were egalitarian cities without monarchs for hundreds of years, that tribes of hunter-gatherers can have oppression too and that it seems to have been more difficult for us to maintain freedom and equality within families, than within societies as a whole. Even those North American cultures that had egalitarian gatherings during some seasons had families ruled by patriarchs and tyrants for the rest of the year.
Amir Taaki, like David Graeber somewhere at the top of my list of people I admire, is an anarchist of Persian origins who saw revolutionary potential in Bitcoin and went to Syria to fight for the Kurds against the genocidal Islamists of ISIS. He's back now and hopes to transform Bitcoin into something other than a multilevel marketing scheme of frat-boys staring at charts hoping to buy lamborghini's.
So, Taaki thinks he can bring Bitcoin back to its quirky revolutionary roots, Graeber thinks the archeological evidence demonstrates we can create the kind of society we want for ourselves, rather than being forever stuck with inequality as some sort of permanent bug in our social operating system that has to be chronically treated by a class of technocrats studying GINI coefficients and other metrics.
In both cases, it seems to me that the more important point goes unmentioned. Yes, there are certainly exceptions, but hunter-gatherer tribes were taken as a whole more egalitarian than most neolithic societies. We have genetic evidence demonstrating a rapid decline in genetic diversity in our species during the Neolithic revolution, simply because a small minority of men take control over society.
At the same time, Bitcoin did in fact transform into a cult of greed, far removed from its founding principles. You have to be really dense to assume that a system that utilizes 400,000 times more electricity per transaction than VISA has any sort of future as a payment option. The coders and fanboys cling onto this system, because it gave them some sort of meaningful social role and earned them some money.
Corruption, inequality, greed, these are ailments that slip into systems. The question Graeber and Taaki are asking is: How do we reform these systems back into something that functions again? The question you need to be asking yourself is: How do we avoid becoming dependent upon systems that will inevitably become corrupt?
As an example, consider the state of modern jobs. Inequality has surged in our society, but it has had a different impact on the nature of labor, depending upon the kind of skills and background you have. If you're working a low-skilled blue collar job, you can expect to be treated as a slave nowadays. You'll have schedules that dictate where you need to be standing and how many times you're allowed to use the bathroom. The reason this happens, is because employers know you have no choice. They have no need to treat you like a human being, because you can't quit your job as you're lucky to have a job in the first place.
Now imagine having a social role that's in high demand. You're now flexible. If your boss treats you like a slave, you'll quit and move to another employer. Your boss knows this and as a result chooses to treat you with dignity, because he has no other option. Your freedom ultimately depends, on your ability to have a choice and to say no. The pain imposed upon you will gradually increase as long as it benefits your employer, until the employer fears the pain imposed upon you might exceed that of the alternatives you have.
I first figured this simple principle out when I was around 12 year old, forced to attend some terrible school for rich kids. I had two kids I hung out with during the breaks, one of whom was the typical kid who programs websites as a hobby. I once mentioned in passing that I had made a website once myself with a friend. He insisted I had to show it to him, but I told him I didn't really want to, as it was very personal and not very good looking. He told me eventually that if I didn't want to spend my breaks by myself, I had to show it to him.
Of course this kid is 12 years old, so although he has the right mentality to grow into a petty office tyrant who makes a schedule for your bathroom breaks, he doesn't have the cognitive ability yet to be subtle about it. Note however, that his desire to impose his will on me is based on the fundamental assumption that I don't have a choice. Like a Silicon Valley employer who thinks he's the only alternative you have to living in a tent city, this kid thinks he is the only alternative I had to social ostracism. This wasn't true, I quite readily found other kids to hang out with.
This principle exists everywhere however. Consider spousal abuse. The reason women were abused by husbands for generations, and modern boys are now regularly emotionally abused by their girlfriends, is because one partner has power over the other partner. The reason this power exists, is because the person has no genuine alternative, or at least believes themselves to have no genuine alternative.
A big solution to this problem, would be non-monogamy. People who have multiple partners have little incentive to put up with a partner who behaves in an emotionally abusive manner. As non-monogamy becomes more widespread, relationships in general will become less abusive. When we return to work, the same principle can apply. A person who works for multiple bosses, will have greater freedom to terminate his arrangement with a boss who behaves in an abusive manner.
Similarly, we need to have the freedom to move to different locations. A government that doesn't have to fear its citizens leaving, is a government that's free to behave in a tyrannical manner. The rich already have this freedom to move to foreign places, which is why corporations and wealthy individuals now find that governments around the world now dramatically reduce their taxes. However, poor people need to have this freedom too.
There are multiple ways to go about this. The European Union allows you to move from one nation to another. However, because the Union itself has a government that makes increasingly more decisions, it means you're practically still stuck with the same government. Instead of unification, we need devolution. Consider the example of Spain. It would be ideal to have not just Spain as a country, but to have an independent Basque country, as well as an independent Catalonia, Galacia and Andalusia, with citizens free to migrate between these nations. This is how Europe effectively functioned in the 19th century, as citizens were typically free to move to another country and America as a whole functioned as an alternative to the tyranny we endured in our own nations.
The current situation however, is a mere start. Ideally, we wouldn't have a single government operate within a particular geographical location, but to have multiple governments we can choose from. This sounds far-fetched to us, but this is exactly how Europe functioned before the emergence of the sovereign nation states of the post-Westphalian era. Living in a particular territory of the Holy Roman empire could mean being subject to a local count, as well as to a prince, a bishop, the Holy Roman Emperor, and even the Pope himself had a say in a nation's domestic affairs. There was no clear ultimate ruler of a particular geographic location. Today, the emergence of supranational organizations like the IMF, the European Union, the World Trade Organization and a wide variety of NGO's has similarly led to a situation where nobody is genuinely in control anymore.
Finally, ideally we wouldn't just have the option to choose between employers, but to choose freedom from work. Far fetched? This situation has existed throughout history. Today we call it retirement and apply it to old people. In the past it was called the "rentiers class" and simply meant being rich. The black death decimated the population of Europe, leading to an era of unprecedented liberty, as wages grew dramatically. Peasants spent large parts of the year idle and could simply choose to refuse to work.
What matters more than the conditions you live under, is whether you choose the conditions you live under. With choice comes freedom. For this reason, for much of human history, we didn't see the city as a source of oppression, but as a source of freedom. The countryside was a place for oppression, in the city you had a choice. You could apply to join a guild, you could beg, you could play music, you could steal, you could work as a prostitute or you could jump aboard a ship. In the countryside, you're just stuck toiling the fields.
For the same reason, cryptocurrency is ultimately a source of liberation. Before the current era, you had government controlled currencies and that was all you had to work with. Today we have Bitcoin, but more importantly, we have the means to design our own currency with which we choose to perform economic transactions. Rather than working on "improving Bitcoin", we need to realize the simple fact that we have a choice to seek out alternative systems. There's nothing out there that requires us to participate in Bitcoin.
The problem that leads to hierarchy, is that humans have a habit of slipping into stasis. From stasis comes dependency, from dependency comes power, from power comes hierarchy, which then leads to the loss of freedom. Bitcoin leads to a hierarchy, because the people who run the subreddit, the forum, the exchanges, the miners and the Github repository control the system, your "full node" doesn't decide jack shit. True freedom requires never being dependent upon any single phenomenon in your environment.
To achieve such freedom, the solution has always been to forever be on the move. To stay stuck in a particular situation, means to develop dependence on the factors that surround you. The means to nomadism have always differed, but those who desire freedom and autonomy have historically tended to seek out nomadism. In the past it meant wandering around with herds of cattle, trading goods between cities. Today nomadism can mean many things. Some achieve it by playing music, others become digital nomads, whose source of income is entirely derived from the work they perform on their laptop.
This is what the archeological and anthropological evidence demonstrates. There are hierarchical societies that don't practice agriculture. However, what tends to be going on in those cases is that people depend for nutrition on a particular location that delivers large amounts of food. As an example, a tribe might live in a desert near a river that's full of fish, or a tribe might live on an island. This leads to the emergence of hierarchies, because there is property over which ownership can be enforced and people have no real option to leave. Egalitarian bands of hunter-gatherers exist, because anyone who wants to make a bathroom-break schedule for the whole tribe or expects you to fill in a TPS report for every mongongo nut you bring back to the campfire wakes up in the morning and finds that half the tribe has left.
Finally, the most important thing to understand is that freedom in our society is ultimately a mental choice. If you're working as a minimum wage slave for Amazon, you're stuck in that position because of the mental space you're stuck in. You come to believe you have no choice, which becomes a self-fulfilling prophecy. It seems to me that such mental inflexibility itself is a problem many people suffer from, it's a problem that tends slips in as we age. The personality trait openness declines as we age. When you take psychedelics however, your openness can be increased to levels of a young person again.
Most people are mentally bound to conditions they shouldn't live in. As an example, consider my own case. With the salary I earn, I could be considered rather poor if I had to live in Amsterdam. However, I live in a small town in a house that's going to be demolished, so I manage to save roughly a third of my salary every month. Similarly, there are people who earn huge wages, but live in San Francisco. The problem in those cases is that people are geographically bound to conditions that lead to poverty. The New York Times recently had an article, insisting that even wealthy people are actually poor, because if you consider the lifestyle they lead their salaries are inadequate too.
However, there's nobody out there forcing them to attend diners with their colleagues after work or to send their kids to private school. This is a case of mental poverty, a poverty of imagination. There are people in their thirties who had such jobs back in their twenties, retired and never work a day in their life again. The worst form of mental bonding however, is found in the form of religions, ideologies and traditions. Even if you have all the choices in the world available to you, you won't make use of them if you believe there's a guy who showed up thousands of years ago and appointed a bunch of guys in fancy dresses who can judge on his behalf how you should live.
I'm an anarchist, but I'm more of an individualist anarchist than most, in the sense that I think freedom is a choice you have to create for yourself, it's generally not going to come about by a revolution. I believe in propaganda of the deed, but I think the best propaganda is generally not to go out and kill someone, but by living the kind of life you wish to live. Consider the case of the trainhoppers who were immortalized in Mike Brodie's photo series. This is what effective propaganda looks like.
I struggle to think of people who are more free. They are free in ways we don't even think about. Consider the fact that you spend every morning dousing every part of your body in water, using soap to remove grease from your hair, then using a brush to cleanse your teeth, before applying a variety of perfumes to your body. This is a social obligation I would happily go without. I feel less oppressed by Peter Thiel and Bill Gates than I do by minimum-wage earners who frown when I'm not wearing clean clothing.
Freedom is found by being perpetually on the move. We should aim to be like the wild grazers, who are perpetually journeying. Any place we graze too long is a place that will lead to our deaths. As human beings, we inhabit multiple spaces, mental as well as geographical. The overpopulated tech-boom cities should be fled from as readily as we should flee from toxic relationships, toxic cultures and toxic mentalities. If you think there is some kind of system, some ideology, some kind of government, or some group of people who can liberate you, you are mistaken. The liberators of today are the tyrants of tomorrow. Freedom is always going to have to be something you'll have to seek out for yourself. Keep moving.
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submitted by rivdee to beermoney [link] [comments]

A brief explanation on 'what is money supply' , the Fed , and how to stabilize a national currency.

Money is a unit of measure. The collective sum of all US dollars is the internationally agreed upon collective worth of the United States.
The worth of the United States is calculated by:
Productivity (innovation, structure) x Populace (immigration, birth) + Natural Rights (oil, landscape) + Historic value (The Louvre, 'oligarchs')
That is the formula. It's not much more complicated than that. Time to time, it is necessary to 'reappraise' a Nation.
For example, the 'worth' of Saudi Arabia is substantial, but only because of the selling off of previous oil reserves. If the oil reserves dry up, then the value declines to $0. More explicitly, the Saudi 'money supply', on the international scale naturally increases as the nation sells oil to other nations, but should someone want to 'buy' Saudi Arabia, the 'Historic Value' (of sold oil) would hold no value, as it provides no future benefit to a new buyer. However, the value remains so long as the 'oligarchs' (or whatever) can retain power, international consistency.
Essentially it's like selling off a piece of your home at a time, while fearing a reappraisal by the bank.
In parenthesis is put common factors that change that value. For example, a nation who doubles in population while maintain consistent productivity effectively doubles in value. A nation with a consistent population but increases production (via innovation, generally), likewise increases in value.
Some alterations are unsustainable, while others hold worth. For example, the Louvre or the scenery of the Alps, will always retain 'some sort of value', while ultimately residing within a single nation. This sort of value is more like 'in case of bankruptcy', but even if no one lived in Switzerland but 1 man, it would be hard to suggest his control over the Alps presents an unsustainable economic value - That said this is rather nebulous and hard to define, and changes little after the establishment of a nation, unless the resource is plundered (oil extraction, pollution, fire, etc).
Generally speaking, nations increase in value at a rate of approximately 5% (or more) on the annual basis. That is just a loose approximation of historic trends. The primary factor, generally, is the rate of innovation. For example, it's 'more possible' for '3rd world Nigerians' to go from making $1 per hour in a sweat shop, to $30 per hour as IT support, than it is for Americans to have 30 children per household. Likewise, innovation is more beneficial to the populace on the individual level, as it increases their well being, in so much as the gains of productivity are passed down to wage earners.
Put simply, the value of a nation could be described as $1 per person + fair value of current assets, if all peoples were similarly productive, and technology was stagnant.
The Fed is a private (internationally controlled, most like) organization that appraises the value of the United States, time to time. Generally speaking the value of the US goes up about $800 Bil annually, from immigration, new birth, and innovation.
The Fed (Gov) then has the option on how to inject the $800 Bil into the economy. For example, they could spend $800 Bil repairing infrastructure, without spending a dollar in tax, or likewise pay off individual debts, or simply issue a bonus check of $2,700 per person to everyone in the US annually.
This is effectively 'your share' of business profits, or a tax paid without any money transferred.
However, the Fed can also give the money to the international corporations, via the interest rates. This is more complex, depending on how you perceive the Fed, however if you assume that the 'banks' (or big business) will always get bailed out by the government, then effectively their rate of bankruptcy is a 'tax' on the tax payer.
For simplicity, let's say the rate of default is 5%, annualized. Therefore, the Fed should charge the banks a rate of interest at 5%, to create stability.
Historically, the Fed has charged rates of up to 14%, but over the last decade or so, less than 1%. Ignoring geopolitical implications, the Fed is effectively asserting that the banks will go bankrupt '1 in 100 years' vs '1 in 7 years', during other periods of time.
This (seemingly) arbitrary decision (1 in 100 vs 1 in 7), creates ripples within the economy. A low interests rates causes big corp to grow, subsidized by the tax payer, while excessive interest is effectively a hidden tax on big corp, subsidizing the citizen - Too much interest, and big corp simply moves to a new lender nation.
Many speculate that the Fed utilizes their powers over money supply to influence political elections, rather than as an accounting assessment. There is no question what so ever that the Fed is designed to be the Nations financial liaison to the International wealth of the world. Each nation must have 'something' in place to establish a valuation, translated into a common unit of measure, accepted on the global scale.
I want to clarify briefly that this is not 'bitcoin', or rather is different than bitcoin. The 'unit of measure' is commonly 'production'. For example, a nation that produces 10 cars vs 5 cars, has double the value. The physical (intellectual) goods produced create the value. Bitcoin is merely a store of value, and is not designed to be a unit of measure.
For example, if you build a house and secure a loan from a bank, you (plus the bank) have effectively 'created the value' of the new house (your work + appraisal). With bitcoin (or gold, or other fixed unit), you must remove (transfer) the money away from something else of value into the home prior to receiving benefit.
Put another way, if you have 1 unit of measure and 1 home, and then build 4 more homes, then each home is now worth 0.2 units of measure, where as with an appraisal or banking system, you would add 4 units to account for the new homes, so that each retain a value of 1.
The way banks lend you money individually is a kin to the way the international (or gov, depending on perspective) lend money to the banks (or big corp), nationally. If you ever get a loan from a bank 0% interest in your life, please let me know ;)
To, essentially, stabilize money supply you'd need to take the following steps:
1) Charge a rate of interest appropriate to the level of risk
2) Add 1 unit of measure per new person added to the system
3) Return a rate of interest appropriate to the level of advance
4) Periodically reappraise the rights of nature, historical works, and historical values, or to simply not allow privatize (national) ownership of nature, history, or hereditary wealth.
While the actual process of doing this is more complex than this 300 word essay, or what have you, that is the general idea and framework you are shooting for.
Each revolution, stimulated by economy, is effectively a reappraisal. Most commonly, wealth gets passed down through hereditary means to persons that provide insufficient value for the amount of wealth assumed, or percent of national wealth appropriated.
This is partly because children of wealth are rarely as successful as the children of who became wealthy in a fight to escape poverty. Effectively the velocity of wealth creation, or productivity, is unmatched in the hereditary successor.
That is the most common reason for social strife, however other factors are at play as well. For example the collapse of the Venezuelan economy is largely unrelated to hereditary wealth transfer, but a reappraisal of a nation in which the primary source of valuation (oil) provided no residual value, or had fully depreciated, however you want to say. Typically this goes on about once every 50 years.
And there you have a better understanding of finance, economy, government, and society than 99% of people world wide. Was that so hard to understand? For what reason do they not teach this in schools?
For that, we may never know.
submitted by kybarnet to Bitcoin [link] [comments]

Who is the team behind Bayan Token?

Sheikh Dr. Zaharuddin Abd Rahman — Chairman, Shariah Board
Sheikh Dr. Zaharuddin Abd Rahman who is a Managing Director of Elzar Group of companies (Elzar Shariah Solutions Sdn Bhd, Elzar Resources Sdn Bhd, Elzar Trading Sdn Bhd and K-Fiqh Sdn Bhd).
Dr. Zaharuddin served as an Assistant Professor at the Kulliyyah of Economics, International Islamic University Malaysia (IIUM) for more than 10 years. He obtained his degree from University of Malaya, MA in Shariah from Al-Yarmouk University, Jordan and PHD in Islamic Studies and Finance from University of Wales. He is also a certified Islamic Finance trainer and lecturer by The Markfield Institute of Higher Education, United Kingdom.
He has served RHB Islamic Bank Ltd, Malaysia as a Senior Shari’ah Manager & Product Development and later, joining Asian Finance Bank Ltd as Head of the Shari’ah Compliance. He has a vast experience in Shariah where he has served various institutions as Shariah Consultant and Advisor for Central Bank of Malaysia (BNM), OSK Investment Bank, Deutche Bank, Al-Rajhi Bank Malaysia, Standard Chartered Saadiq Bank, ACR ReTakaful Bahrain, BIMB Securities Sdn Bhd, BNP Paribas Bank and others.
To-date, he has written over 20 books and hundreds of articles on Islamic Jurisprudence and Islamic Banking and other Shari’ah matters in journal, including local and international magazines and conferences. He frequently appears in the local television and radio lecturing on various Shari’ah issues especially with regards to the Islamic commercial transaction. His Facebook page ‘Dr. Zaharuddin Abd Rahman’ has about 1.3 million followers.
Mr Vince Focarelli — Ambassador
There was a time, whenever Vince Focarelli’s name was mentioned, it struck fear and hatred in the people’s heart, especially amongst the residents of Adelaide. That is not the case anymore. The former leader of the notorious gang ‘Comanchero’, he is now a transformed and completely different person after embracing Islam. Watch the interview with Vince about his journey to Islam. (
Vince — now Imran Abdul Salam — is an active social activist, where he frequently gives motivational and inspirational talk about his journey to Islam. He is also actively involved in several humanitarian works such as organising a food convoy for the Yemeni refugees. He used to own and run a Halal Italian restaurant, La Fig Cucina in Adelaide, of which he wishes to expand its presence around the world.
Vince has been appointed as the Ambassador to Bayan Token as he shares the same aspirations and noble intentions of spreading good to the wider mass. An avid preacher of kindness and goodness himself, he is very excited and looking forward to do greater good through the Shariah compliant Bayan Token.
Dato’ Zainal Abidin M Husain — Chairman
Dato’ Zainal Abidin was a name to be reckoned with in the banking and financial industry. He served as a Manager for eight years at Arab-Malaysian Merchant Bank Berhad before becoming the Head of Finance at Halim Securities Sdn Bhd.
He then made his leap of faith by founding Ikhtiar Destinasi Sdn Bhd. He has held many significant positions since then which include the Managing Director for Ikhtiar Factoring Sdn Bhd and Director for both Transpro Sdn Bhd and Ikhtiar Commerce Sdn Bhd.
At 56, he is still active and going strong, overseeing Ikhtiar Destinasi Sdn Bhd as its Executive Chairman. He graduated from University of Minnesota in Accounting and Idaho State University in Masters in Education (Business).
Nazimuddin Nazaruddin — Chief Executive Officer
Nazimuddin graduated from Universiti Teknologi Mara (UiTM), completing his Association of Chartered Certified Accountant (ACCA) professional course. He is a member of ACCA and Malaysia Institute of Accountants (MIA), and is currently a Chartered Accountant by background. He kickstarts his career in a medium sized Audit Firm, Afrizan Tarmili Khairul Azhar (AFTAAS), and continue his auditing career to one of the Big Four firm, Deloitte Malaysia based in Petaling Jaya, leading and managing various client’s portfolio, from small to big entities.
Then he moved to Schlumberger KL Financial Hub as a Management Accountant, dealing with Financial Reporting and operational matters, taking care of Middle East area operations via working closely with Operation Controllers, specifically in Artificial Lift and Completions segment for Kuwait, UAE, and North Sudan. Currently he is practicing in his own firm Nazim & Co, an accounting firm under MIA, specializing in small medium entities portfolio’s.
He has vast experience and well verse in International and local financial reporting standards, international standards of auditing, financial reporting compliance, statutory and taxation matters, performance management and internal audit compliance.
Ameerul Zafeeq Hizamuddin — Chief Financial Officer
Ameerul Zafeeq is a chartered accountant graduated in 2010 from Kaplan Financial College, London. He started his career at Binder Dijker Otte (BDO) as an audit associate. He then moved to Accenture as Accountant before joining Royal Bank of Canada (RBC) as Fund Accountant to have a first-hand experience in investment field.
Ameerul was hired by Petronas Carigali as a Senior Executive in 2016. He was promoted to Assistant Manager and moved to Petronas Berhad. He specialises in business planning, forecasting, budgeting and reporting.
Adam Effendy Mustapha — Chief Operating Officer
Adam Effendy graduated from London School of Economics and Political Science in Bsc. Economics. Immediately after graduation, he was offered an executive position in UEM Group Berhad, serving both the Corporate Finance Department and the Managing Director’s office. He then moved to UEM Sunrise Berhad, gaining more experiences in the corporate world after serving total of three years in the Managing Director’s office and the Corporate Planning department.
Adam then decided to resign and started his own publishing house that has published ten books to-date; two of them were national bestsellers. After two and half years being an entrepreneur, Adam craves for new challenges and wants to learn something novel and exciting. He quickly jumped at the offer to join the team as he gets to enjoy the best of two worlds; Islamic finance and financial technology.
Muhamad Akif Akmal Abdul Aziz — Chief Technology Officer
A First-Class Honour graduate in B.Eng Electrical & Electronic from University of Adelaide, Muhamad Akif Akmal was an Electrical Engineer at Tarpon Energy Services Asia Pacific Sdn Bhd since 2014 before joining the team. He specialises in designing electrical system and instrument.
Akif is a crypto and blockchain enthusiast who has traded using various platforms such as Poloniex, Shapeshift, Remitano and LocalBitcoins. He also has experiences in building GPU mining rig and designing mining farm. He was also a back-end technology consultant for several ICOs.
Zikri Zainudin — Chief Technical Analyst
A Financial Engineering graduate with 7 years of investment banking experience, Zikri Zainudin is a self-taught computer programmer. He applied complex algorithms and artificial intelligence to enhance the Z2 System into an integrated, advanced methodological application, designed for efficient stock picking, complex alerts and automated execution to support professional trading. It took more than 10 years to derive the methodology, which is now known as the Z2 Protocol.
Mr Steven Georgiadis — Legal Consultant
Steven Georgiadis is a highly acclaimed and seasoned Trial Attorney with 18 years of accomplished experience. With a combination of a scholastic and reformist approach, he has netted triumphant proficiency in investment banking, private banking, Mergers & Acquisition, private equity transactions, corporate finance and corporate governance. Commonly sought internationally by prestigious cliental, he has become a highly respected advisor and esteemed leader.
Steven, a graduate from Bond University, Gold Coast, Australian with Bachelor of Laws (LLB), has been solicited for his astute abilities in a vast array of legal disciplines including dispute resolution and in litigation for both hard and soft commodity sectors.
Mr Pierre Chuah — Marketing Expert
Pierre Chuah is a Digital Marketing Cloud Specialist with 20 years of experience. With a holistic digital experiences, he is able to understand and implement various digital marketing technologies for businesses.
Pierre started his career in KPMG Asia Pacific as an IT consultant in the implementation of SAP Finance solutions, for various companies in Malaysia and Singapore. Subsequently he led a team of 23 individuals in providing digital marketing consultancy to various multi-national companies such as Japanese Tobacco Industry (JTI), Carlsberg, Nissan, Cadbury, Kimberly Clarke, Mattel Toys, Adidas, Panasonic and many others in implementing digital marketing technologies.
Pierre joins Oranje-ISC as a Digital Director in the year 2014 having developed and implemented a 360-digital experience for Langkawi Island. Under his direction, Oranje-ISC was made finalist in ‘Marketing Excellence Awards 2017’. He is professionally certified by SAP, Google, Oracle and Adobe. He graduated from Warwick University, United Kingdom BSc Management Science and City University, London with MSc Information System and Technology.
Dr. Said Adekunle Mikail — Shariah Expert
Dr. Said Adekunle Mikail is a researcher at International Shariah Research Academy for Islamic Finance (ISRA) and lecturer at International Centre for Education in Islamic Finance (INCEIF). His academic qualifications are distinguished; he graduated from Islamic University of Madinah with LLB (Shariah) and earned his Master’s Degree in Comparative Law from the International Islamic University of Malaysia (IIUM). He then obtained his PhD in Islamic Finance from the same university.
Dr. Said’s experience in Islamic Finance is extensive. He was the Shariah advisor for BNP Paribas (Islamic Banking Window, Malaysia) in 2015. He was appointed as the Shariah Consultant to I Consult Africa (PTY) Ltd. Ethical and Responsible Advisory, South Africa in 2016 and still serving them until now. He is also a Shariah Consultant under ISRA Consultancy Sdn Bhd, which has served a number of high-profile clients including the Central Bank of Malaysia.
Dr. Said holds a number of memberships in various esteemed bodies and organisations such as Al-Birr Investment and Credit Cooperative Society Limited (Chairman), Muslim Scholarship Fund of Nigeria (MSFN-Nigeria) (Partner), International Council of Islamic Finance Educators, Malaysia (Associate Member), Malaysia Institute of Management (Affiliate Member) and Malaysian Financial Planning Council.
Being conferred the 21st Yayasan Tun Razak Youth Leadership Award in 2016 and Shariah Scholarship Award by ISRA in 2011, Dr Said has produced many academic publications and reports, which are internationally recognised.
Dr Hameeth Shah Abdul Wahid — Biotech Project Expert
Dr Hameeth Shah Abdul Wahid completed his MBBS from the International Islamic University of Malaysia (IIUM) in 2004. He started his career as a young doctor in Hospital Besar Alor Setar. Since the early days, he has special interest in Internal Medicine that lead him to take up postgrad studies in the subject matter. Eventually he completed his postgrad studies and obtained membership of Members of Royal College of Physician (MRCP), United Kingdom in 2014.
Currently Dr Hameeth Shah is working as a Senior Lecturer at University Kuala Lumpur-Royal College of Medicine Perak (UNIKL-RCMP) and practicing as a Specialist in Internal Medicine at Pusat Pakar Perubatan Ar-Ridzuan in Ipoh, Perak. He also has special interest in cardiology and currently doing his fellowship in Interventional Cardiology.
Siti Sarah Nadiah Suliman — Legal & Human Capital Director
Siti Sarah Nadiah is a qualified lawyer, whose vast experience in legal practice ranges from human rights, civil litigation, commercial and banking law.
Siti Sarah Nadiah graduated from UiTM with Honours Degree of Law and currently pursuing her Master’s degree in Islamic Finance Practice. She is also a Senior Associate Member of Chartered Institute of Islamic Finance Professionals (CIIF).
Noorashikin Zainal — Account & Finance Director
Noorashikin Zainal has a total of more than 17 years of experience in accounting. She has handled accounts of companies of various businesses and industries, which include healthcare, electrical and electronics, real estate and event management.
A graduate from UNITEN in accounting, Noorashikin’s last position was Account Manager at K-Fiqh Sdn Bhd.
Zainab Abdul Razak — Mart Operation Director
Zainab joined Zalora, Asia’s leading online fashion platform as Operation Executive in 2012 before moving to Lazada, Malaysia’s largest e-commerce store as Senior Operation Associate in 2014, focusing on the warehouse operation. Zainab is now entrusted with managing the whole operation of Elzar Mart, a retail halal supermarket that offers everyday items at a very competitive price.
Dr. Siti Hajar Pahmi — Biotechnology Consultant
Dr Hajar completed her Bachelor’s degree in Biotechnology with First Class Honours in 2010 from the University of Queensland, Australia. The university, together with the Australian Government then funded her Ph.D in Medicinal Chemistry under the International Postgraduate Research Scholarship (IPRS) and the University of Queensland Centennial Scholarship, where she gained her doctorship in 2015. Whilst formal education is important to her, Dr Hajar also led and was heavily involved in multiple projects and events both in Australia and Malaysia.
Throughout her student years, Dr Hajar’s leadership and management skills shone when she held several important positions in the Malaysian Students’ Council of Australia (MASCA) from 2007 to 2014. She maintains a balanced life by being active in sports, and have competed competitively and socially in netball, futsal, basketball, ultimate frisbee, and touch rugby. She is a strong advocate for healthy living as she believes in “healthy heart, healthy life”.
Mohamad Shafiq Ezhan Khairulazli — Creative & Marketing Director
Mohamad Shafiq Ezhan has more than 10 years of experience in creative art and design. He is the founding partner and Creative Director of Talenta Holdings Sdn Bhd, whose clients include Petronas, Telekom Malaysia Berhad and Little Trees (a company based in the United States).
A graduate from UniKL MFI in mechatronics, Shafiq Ezhan’s experience also includes marketing and image and branding strategy.
Siddiq Mohd Amin — Shariah Secretary
Siddiq Mohd Amin graduated from University of al-Azhar, Cairo with a Bachelor in Shariah in 2016. An excellent student with Best Student Award in his third year, he immediately started his career with Elzar Shariah Solutions and Advisory upon his graduation as a Shariah Associate.
Professor Dato’ Dr Norbik Bashah Idris — Advisor
Dato Dr Norbik Bashah Idris is currently a Professor at Kulliyah of ICT in IIUM. He started his academic career in 1983 with UTM and has been attributed as one of the early pioneers of Cybersecurity in Malaysia.
Throughout his career, he has been a member of SIGSAC –(Special Interest Group on Security, Audit and Control) of the ACM (Association of Computing Machinery), IEEE Computer Society, New York Academy of Science, USA and IFIP Working Group-11.3 on Database Security (USA). As a cybersecurity professional, Prof Norbik carries CISSP & CISM certifications from ISC2 & ISACA.
In 1995 he led a team which won a strategic research grant from MOSTI to start the first major research work on Cryptography in Malaysia which produced a suite of indigenious cryptographic utilities. In 1998 Prof Norbik founded the first Real-time Software Engineering Centre of Excellence in Malaysia, where he collaborated with the University of Thales from Paris. The cybersecurity R&D team he led later became incorporated as a company which won a significant project from the Malaysian Government to help monitor security of government’s network throughout the country. The company later became the first public-listed company on Cybersecurity in Malaysia. Following his success in Malaysia, Prof Norbik repeated the success into other ASEAN countries and later into the Gulf countries (UAE & Saudi Arabia).
Throughout his career Prof Norbik has been a Keynote Speaker, Visiting Professor, Corporate Figure, Consultant & Advisor on Cybersecurity to various Organizations & Governments, both in Malaysia & international. He was nominee for 2007 Ernst & Young Best IT Entrepreneur, twice Distinguished ISC2 Award winner for Asia-Pacific, IDG Distinguished Chief Security Officer for Asia Pacific, winner of at least 7 Gold medals in various exhibitions and competitions on Cybersecurity products & services, and holder of a few patents.
Prof Norbik’s latest interest is in synergizing cybersecurity & DLT (Blockchain/Tangle) into Islamic Fintech products & services in the hope of contributing to the Maqasid Shariah.
Mr Hj Khairil Anuar Mohd Noor — Advisor
Khairil Anuar has been an international banker for over 27 years, where the past 18 years has been in Islamic Finance. Over the course of his career as a banker, he has had a significant exposure and experience across a multitude of area including wholesale banking, syndications, trade finance, debt and capital market, asset management, retail banking, cash management, banking operation, system implementation and product management to name a few.
Khairil had helmed HSBC Malaysia’s and Bank Simpanan Nasional’s Islamic Banking Division. He then moved to Dubai serving Emirates Islamic Bank as its Head of Marketing. His last posting was the Head of Structuring, Product Management and Business Intelligence for Wholesale Banking Group at Al Hilal Bank, Abu Dhabi, where he served for almost 10 years.
From 2006 until recently, Khairil has been instrumental in developing the Islamic Finance capabilities of Al Rajhi Bank Malaysia, Mashreq Bank, Dubai and Al Hilal Bank, Abu Dhabi and Kazakhstan within wholesale, retail and operation setting. He graduated with MBA from Saint Louis University in Missouri, USA in 1987, where he also spent 2 years working for a premier stock broking firm there.
Mr Zuheer Mohammed Majid — Advisor
Zuheer Mohammed Majid is an experienced banker whose career spans over almost 30 years. Now a Senior Vice President in Citibank Malaysia Berhad, his journey in banking began when he joined United Malayan Banking Berhad (now RHB Bank Berhad) in 1986. He then became Assistant Vice President at ABN AMRO Bank Berhad before serving Hong Leong Bank Berhad as Manager for Trade Finance and Correspondent Banking.
Zuheer’s expertise across many areas in the industry had landed him the Senior Vice President post in Citigroup Transaction Services Malaysia Sdn Bhd, where in year 2000, he joined them to oversee the trade services/finance operations and advisory services. He graduated from Irvine University, California with an MBA.
Mr Hj Zainuddin Md Yusof — Advisor
A market trader with a background in statistics, Hj Zainuddin started trading the global markets in the 1980’s. Aside from having more than 30 years exposure to the global markets, specializing in the US equity market; he has spent thousands of hours testing and enhancing technical trading tools to develop a state-of-the-art proprietary trading system — the Z2 System — which combines technical and fundamental analysis to identify optimum trading opportunities using cutting-edge technology.
Mr Hj Zulhisham Ayob — Advisor
Haji Zulhisham is a top-notch seasoned player in the media and marketing communications industries. He has over three decades of working experience in Broadcasting and Marketing Communications prior to founding Oranje-ISC. Among others, he had served as the Chief Operating Officer in Radio Airtime Services, Executive Vice President Marketing for IT Vista and Executive Director of Pakarmedia Sdn Berhad.
Apart from media industry, Haji Zulhisham is an entrepreneur who founded the Home of TAHFIZ Darul Siddir — A specialist Islamic religious institutions serving and nourishing Islamic spiritual needs promoting mainstream learning of Islam based on the Quran and Sunnah, preparing for the future generations. Home of TAHFIZ Darul Siddir is committed to the dissemination of Islamic knowledge through the traditional time honoured methods for the Glory of Allah (Glorious and Almighty He is) and in honour of our Prophet Muhammad (peace and blessing upon him).
Another outfit founded by Haji Zulhisham is Twentytwo Multi-Labels Concept Store skewed towards offering Muslimah fashions. With more than 100 brands housed under one roof physically and digitally, Twentytwo provides trading, branding and marketing solutions to its business partners and variety of affordable designer brands suitable not only for Moslems, but those who desires to look fashionable and elegant yet dignified.
Mr Khairu Rejal — Advisor
Khairu Rejal has more than 10 years of experience in the venture capital and start-up incubation space, initially at the Nanyang Technopreneurship Center (NTC) and later at Majuven, a Singapore-based venture capital firm focused on early growth and high-tech companies in Bio-Technology, Healthcare, Clean-Sustainable Solutions and Dynamic Digital Convergences. In 2017, Khairu along with other like-minded angel investors came together to launch Rekanext Capital Partners.
Currently, in Rekanext, Khairu as a Managing Partner is always looking out for start-ups across Indonesia, Malaysia as well as Philippines and Vietnam with a focus on enterprise software and deep tech verticals. He also sits on several committees of other non-profit organisations and has led initiatives in the social impact sector.
Mr Hj Che Salmi Che Ibrahim — Advisor
Che Salmi Che Ibrahim has been in the retail industry for the past 26 years. Starting with Sabasun Sdn Bhd, before it changed to its current household name; Sabasun Hyperruncit Sdn Bhd. A local entrepreneur with a global vision, at the moment he proudly owns three Sabasun hypermarkets and a warehouse, aiming to become more efficient in distributing its items.
Sabasun Hyperruncit Sdn Bhd will launch the Terengganu Halal Business Centre in January 2019, which will house the first ever Sabasun Mall, Parkson, a hotel, office units, F&B outlets with a bowling alley. Under Che Salmi’s leadership and dedication, Sabasun has won the Malaysian Ministry of Domestic Trade, Co-Operatives and Consumerism’s ‘Consumer’s Choice Award’ in 2009.
Che Salmi, a graduate in Psycholinguistics, is known not only for his skilful entrepreneurship, but also active in humanitarian and charity works. His Sabasun hypermarkets are famous among locals as it is able to cater the needs of the low-income earners. He is also known for organising fund-raising for people who are less fortunate in other countries like Palestine and Syria.
Madam Roseta Mohd Jaafar — Advisor
Roseta Mohd Jaafar started off her career in Corporate Communications with Mekar Idaman Sdn Bhd as a Senior Executive in 1997. Little did she know that she would flourish in that area and climb the corporate ladder at a rather fast pace. After Mekar Idaman, she moved to Intria Berhad as Assistant Manager before becoming Head of Corporate Communications at Opus International Consultants Limited just one year after that.
Roseta then advanced her career with UEM Group Berhad, as a Manager in the Corporate Communications department. After almost 2 years there, she then took a leap of faith to become the Vice President, Head of Group Corporate Communications and Public Affairs for EON Group Berhad in 2007. Her most lustrous career to-date was her 7-year and a half stint with Al-Rajhi Bank (Malaysia), as their Vice President, Head of Corporate Communications.
Now the Corporate Affairs Director at GCH Retail (M) Sdn Bhd, which owns over 120 Giant hypermarkets, 400 Guardian pharmacies and more than 16 Cold Storage supermarkets, Rosetta has in total more than 20 years’ worth of experience in Corporate Communications. She graduated from University of Leeds with BA (Honours) in TESOL and earned her Masters of Science degree in Corporate Communications from Universiti Putra Malaysia.
submitted by BayanToken to u/BayanToken [link] [comments]

Will Bitcoin will be declare as legal or not ?

Here I am confused whether the Indian government want to declare the Bitcoin legal or not ?
Here are the proof that they will declare it as legal
1) Why government of India asking to the public for the suggestion whether to regulate , ban , or just leave it as is currently . 2) Why government taking action against the zebpay , whether everyone paying tax or not . 3) If government want to ban , then why they are waiting , why they are not directly declare the Bitcoin as illegal way of payment or asset . 4) Why government want make tax from the Bitcoin earner , but don't want declare it as legal . 5) The big bank in India SBI want to use technology of blockchain but still they are not supporting Bitcoin.
Here are the chances to declare it illegal , due to following conclusions
1) They already banned in the year 2010 , but after they unbanned , so chances to ban it again are much possible . 2) If the government of India can stop the use of old currencies , without any prior notice , then it is possible that they can ban easily the Bitcoin . 3) Since most of the millionaires are in the favour of the Bitcoin but still few celebrities are against the use of the Bitcoin . 4) The current government ruling India is against the black money , so may be possible that with the name of the black money they can ban it ( regardless of the factor that every transactions are publicly open for everyone to see ) .
Well here I would like to suggest everyone , whether he is Indian or not , just support Bitcoin at resister your account and say about the Bitcoin . And tell them that Bitcoin is a best option to destroy the system of the black money , because everything is open to see .
submitted by baboka18 to u/baboka18 [link] [comments]

Greed is the Mind-Killer (x-post r/personalfinance)

I'm writing this as a bit of a cautionary tale in the hope that it will save some reader from making some of the mistakes that I did. Rather than being satisfied with a smart saving strategy and reasonable investments I decided to try to accelerate my timetable with risky investments, all of which seemed to have very high upside with little work, but in the end were terrible ideas. After all, if being retired at 45 with a ton of money would be great, wouldn't doing it at 30 be even better?!
So, here's my list. If you are reading this, consider whether a potential new investment seems like one of these:
Bitcoin - I bought Bitcoin at $800-$1000. After all, everyone said it was going to 10k! I was gonna be retired in a couple years just by knowing about this stuff.... nope!
Penny Stocks - Legalized weed and 3D printers are definitely the next big things! All I have to do is dump some money in penny stocks for these and when they boom I'll be a gazillionaire. Nope!
Algorithmic stock trading - I'm smart! I bet if I just analyze some data, y'know, for like 3 hours on a Saturday that I'll be able to write a bot that can predict the market. ....Not even close!
Algorithmic cryptocurrency trading - Well, the stock market was too complex and maybe I'm just not good enough at the math, so maybe I should pay people for their algorithms on their trading platform! They seem like nice guys, surely I'll make a ton of money this way! -Nope. If anyone had the secret to predicting a market why the hell would they sell it to me for a few bucks a month?
Business - My friend wants to start a small business! He's a pretty smart dude, so rather than really vet the idea I should probably just hand him some cash. I mean... I can even help run it even though it's a retail store across the country. Nope!
So, there's probably others, but this at least covers my last few years. Now, I'm lucky in that I'm a high income earner and even though I lost a ton of cash on these gambles I'm just fine financially and still on track for FI. Still though, I'd be in a much better place without them.
So, fellow redditors, if you haven't made any mistakes like this yet, don't! Be patient! Do the right things and the money will come. Tortoise and the Hare and all that.
submitted by LobsterPunk to financialindependence [link] [comments]

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BTC#21 How to earn free bitcoin from The BIG Earner Faucet (Faucetbox)

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