Carp diem (Sieze the day) OR caveat emptor (Buyer Beware)
Do You know your Ying from your Yang 
Is your glass half full or half empty?
 Every now and then you are presented with a “Too good to be true “ opportunity which, despite the odd red flag going off in your head, still has some redeming features about it. Crypto-Builder’s “The Power Circle” is a case in point. One of those points is that the investment level is a mere $US20  (approx $NZ30, 17.80 Euro, 15.40 GBP etc). Mind you that $US20 has to be paid in Bitcoin which at this present time 1 BTC is worth $5280 so you will need to purchase around 0.0038 BTC or 380,000 Satoshi. [for those of you unfamiliar with cryptocurrencies 1 Satoshi is equal to 1x 10-8  which extremely small or 3/5 of 5/8th of FA!!
The test will be whether you are prepared to go throught steps of creating a Wallet Account on Coinbase (https://www.coinbase.com/signup). In some parts of the world you will be able to fund your new Coinbase account directly using a debit card account. For others, such as myself in NZ, you will need a couple more intermediate steps. 
 Once your Coinbase account is funded the you can following this link 
https://crypto-builder.com/ref/b46d84df1d/register to register and get started. 
A POINT TO NOTE: Is you are new to crypto currencies then take great care to ensure you copy the correct BTC addresses for Receiving and Sending as once sent to the wrong address they cannot be retrieved.
So … are you ready to give it a go? Remember your not about to lose the shirt off your back (or have to ditch your bra) and you might just make MUCH MUCH MORE than that $20 investment.


The Ripple Effect

I, like probably many others, thought that Ripple was just another crypto currency doing battle for supremacy or survival with the other 2000 other crypto currencies and was ignorant of the differences. Having read a couple of interesting articles recently I decide to understand the difference between Ripple and other currencies such as Bitcoin.

Ripple was released in 2012 by cofounders Chris Larsen and Jed McCaleb and was primarily aimed at improving the efficiency of interbank transaction.  Thus Ripple is better known for its digital payment protocol than its cryptocurrency, XRP.  It is actually a subsequent release of the  earlier Ripplepay and can be described as a real time gross settlement system (RTGS) , currency exchange and remittance network.  Ripple uses an iterative consensus ledger and validating servers network along with XRP cryptocurrency tokens.

Bernard Marr provides a good summary in his recent Fordes articlehttp://bit.ly/2Em8rCnwhich compares Ripple to Bitcoin. In this article . He states “While Bitcoin is a digital currency intended as a means of payment for goods and services, Ripple is a payment settling, currency exchange and remittance system intended for banks and payment networks. The idea is to provide a system for direct transfer of assets (e.g. money, gold, etc.) that settles in almost real-time, and is a cheaper, more transparent and secure alternative to transfer systems used by banks today, such as the SWIFT payment system.

Bitcoin is based on blockchain technology, while Ripple doesn’t use blockchain but uses a distributed consensus ledger using a network of validating servers and crypto tokens called XRP (sometimes referred to as Ripples).”

The Ripple network is managed by a range of independent servers comparing their transaction records constantly. A new ledger of Ripple is created each second. Ripple operates on an open source and peer-to-peer decentralized platformthat allows for a seamless transfer of money in any form(or indeed commodities such as gold or oil) , whether USD, Yen, litecoin, or bitcoin. XRP are traded on cryptocurrency exchanges such as Binance and Poloniex. Usually, it isn’t possible to buy them with existing government-issued (fiat) currencies – you will have to buy Bitcoin or Ethereum first, then transfer them to an exchange to trade them for XRP. By first converting the value of the transfer into XRP, rather than USD, exchange fees are eliminated and processing of payments is reduced to seconds.

A recent article in Cointelegraph.com also compared Ripple  to Bitcoin (http://bit.ly/2G7gNPT) and compared the transactional speeds “Bitcoin transaction confirmations take 10 minutes on average, while XRP transaction confirmations take 5 seconds.” There is also a vast difference in the transactional costs and these were given as BTC : $USD 40,  Ripple: $USD 0.004. The Cointelegraph article provides a table comparing Bitcoin to XRP. Note the transation speed and the energy consumption. The Ripple network is managed by a range of independent servers comparing their transaction records constantly. A new ledger of Ripple is created each second.

Bitcoin vs Ripple

OwnershipPublicityPrivate company
Transaction speedAppr. 1 hour (depending on the fee)3-5 seconds
Transaction cost$40$0.004
Number of transactions/secondAppr .101.500
Energy cost/transactionAppr. 250 kWHMinor
InflationCoin supply raising to 21 mln cap by 2140Almost deflationary (a very small amount of XRP can be destroyed in each transaction)
Coin supply21 mln100 bln

One other major difference is that with Bitcoin new coins are created (there are limits) as rewards for “miners” offering computing power (# hashing) to maintain the blockchain network. Ripple is not designed to be mined at all. That’s why these two currencies are very different from each other. Bitcoin is not pre-mined at all, and the maximum supply is just 21 mln.

Ripple was created with 100 Billion coins at inception and just 38 bln are available in the market, the rest are in Ripple labs and can be periodically released.

An addition feature was added recently whereby, through a smart contract system (escrow) the company releases 1 billion coins of its XRP holding to themselves each month to help fund business operations, incentivize customers, and sell to accredited investors. Any unused tokens will be placed back into escrow.

Like any other cryptocurrency Ripple is not without risk and the fact that it is controlled by a single entity (ie centralised ) is contary to the decentralised philosphy set out by the Satoshi Nakamoto, the creator of Bitcoin. However, some say that Bitcoin is a solution looking for a problem whereas Ripple is a solution created to solve a tractional problem.  Ripple improves on some of the drawbacks attributed to traditional banks. Transactions are settled within seconds on the Ripple network even though the platform handles millions of transactions frequently. 

Bitcoinmagazine’s article on Ripple http://bit.ly/2ProZtOnotes that

Ripple’s hub-and-spoke design positions XRP in the middle as a tool that is fungible with any currency or digital asset, such as frequent flyer miles.  Therefore, the value of Ripple is the Ripple network itself and its ability to move assets around the world, rather than in the XRP token . Ripple has come into a lot of criticism from Bitcoin and other blockchain enthusiasts in regards toRipple’s centralized control is in direct contrast to the ideals and advantages of decentralized blockchains like Bitcoin. The Bitcoinmagazine’s article pointing out that Ripple also maintains a trusted Unique Node List (UNL) that is meant to protect against potentially malicious or insecure validating servers.

An article in the Investoppedia website (http://bit.ly/2RNOkQw)

 Was of the opinion that since Ripple has no no central authority that decides who can set up a node and confirm transactions, the Ripple platform is described as decentralized.

This view is clearly incorrect as it is the UNL that controls the network rules, presenting a conundrum: On the one hand, it protects against problematic validators, but, in theory, a regulating body or government could come in and force a change that isn’t necessarily desirable or is downright invasive. Furthermore, because of a FinCEN violation and fine in 2013, Ripple has updated its policies and will only recognize and recommend gateways that are in compliance with financial regulations.

The current performance figures for Ripple can be found at 


Where Will Bitcoin, Ethereum, Ripple, And Other Cryptocurrencies Be Twenty Years From Now?

While its almost impossible to predict the future, particularly with an evolving subject such as crypto currencies, this article by Panos Mourdoukoutas attempts to do just that and whilst he thinks that the current patch of crypto coins (Bitcoin, Ethereum and Ripple etc) may we have dissapeared he seems confident that blockchain technology is here to stay. I certainly feel that blockchain technology has too much to offer to so may industries for so many reason that ot is here to stay and will continue to evelve into a much strong platform Panos thoughts are worth a read. 

“Unfortunately, almost anything connected with the future of bitcoin is speculative right now,” says Jason Labrum, founder and president of Labrum Wealth Management. “When you look at the sophistication level of the average person buying bitcoin, it’s scary. They just see an asset that at times has gone up a whole lot in value, so you get a herd mentality of people wanting to jump on the bandwagon.”


5 False Crypto Criticisms (that need to die now)

There are still many sceptics when it comes to the future of crypto currencies . This articles written by  Luciano Pesci addresses the 5 false crypto criticisms commonly spread about crypto currencies. According to Luciano , “Only a tiny portion of this criticism is coming from informed observers, while the overwhelming majority is propagated by people with almost no functional understanding of cryptocurrency, blockchain, or their interconnected ecosystem.” 

<iframe scr=”https://medium.com/@luciano_8275/5-false-crypto-criticisms-that-need-to-die-now-e7b9938cd2f6″.<iframe>






The article is well worth the time  taken to read 

Why We Fight

We don’t just fight for survival, we fight for meaning and self-worth. We want to know why we’re here, and we want to know that we matter. Life is a quest for truth. We’re all waiting for life (or death) to reveal something to us. We’re waiting for the truth to reveal itself.

Even if you believe that Jesus is the truth or that a particular religion represents the truth, your knowledge of truth is still incomplete. Questions remain. The ultimate truth is a mystery. Life teaches us more about it, if we remain open, but it’s still just a shadow. Like Plato’s cave or Paul’s “dim mirror“.

Our disagreements are a way of trying to call forth the truth, and a way of expressing our frustrations about it. Sometimes we express it in constructive ways and sometimes in destructive ways. The destructive way, is a result of lying to ourselves about the best way to express it. Acceptance of age-old dogma, without question, is not going to expand your horizons or strengthen you determination to survive

Have You Learnt To Elevate Your Life Yet

What is the Blockchain

I make no apology for this being very much a 101 level blog but I assume there still many like me who are still trying to get their heads around this latest technology and have their heads full of various terms which they have yet to fully understand.

From my perspective I like to at least understand the basics and it strikes me that the Blockchain is the one to get to grips with , given that it is most likely to be adopted universally by many industries whether it is for financial purposes or supply chain logistics. I've obviously had to find a suitable source and so have chose one from https://cointelegram.com (thanks Tom for listing all those channels on Telegram for "sloths"  like me to tune into)   

In simple terms a blockchain is a "dairy that is almost impossible to copy"

This is because a program called a hash function is used. 

A Hash is  string of numbers and letters and is a mathmatical function that takes a variable number of characters and converts it into a string with a fixed number of characters.

# Transactions are entered in the order in which they occur. Order is very importsnt. Even a a small change in a string creates a new hash.   

# A database entry that records tractional information results in the creation of  a hash.

#The hash depends not only on the transaction but also on the previous transaction's hash

#Even the smallest of changes produces a has that has no similarity to the original.

For example :

Ann gives 10 coins to Mary. Hash: cff4e860bd57c2bfb7c010927c3f6fee

Mary gave 5 coins to Jack. Hash: 803c28370e9a16e628a23d46d3ebe711

If Jack decides to change the records (to give himself more money);

Mary gave 8 coins to Jack

the resulting hash would be : 4ae41f8cc3d4cc905f664c75ceab9dao

To make it  impossible to forge a record, various technics are applied to each hash record that make any unauthorised changes to be effectve impossible, because of the distributed nature of the database, and the need for the forger to alter every assocated record in every node of the network. One such technic is called a "nonce" (00 added to the end of every record), makes it impossible for even computers to figure out quickly

These computers are called Nodes  and each node has a copy of the digital ledger or "Blockchain" and each transaction must be approved by each Node in the blockchain. Once each node has check the transaction (some will agree and some will disagree as to its validity) there a "sort of an electronic vote" to decide.

A very  important point to note is that one spreadsheet (of a fixed size) is a block and a family of blocks is a blockchain which updates itself across all nodes every tem minutes AUTOMATICALLY. There is NO Master or Central computer that instructs the computers (ie the Nodes) to do this . When that node involves literally millions of computers spread across the world the ability to resist interference and attempts to take over is extremely powerful. Hence the resistence from the Command and Control lobby to this type of technology.   

Hopefully this is only part one of my BlockChain voyage of discovery . 

Have You Learnt To Elevate Your Life Yet

This Exercise Will Help You To Stop Wasting Your Time

I came across this article by Darius Faroux and thought it might be of interest.

"The reason I research productivity is simple. I think that a productive life equals a happy life.

Also, if you’re more productive than average people, you’ll advance faster in your career. You learn more. You do more. And eventually are rewarded more.

And when I talk about productivity, I talk about being effective.

Because productivity doesn’t suggest that you get the right things done. It just means you get a lot of stuff done. But that’s not what matters.

Effectiveness, however, refers to getting the right things done.

And if you want to do your job well, earn money, live a meaningful life, or learn skills, that is what matters the most. Otherwise, you just run around in circles. You might appear busy, but you won’t achieve anything meaningful.

In other words: It’s easy to do useless work. Work that doesn’t bring you closer to the outcomes you desire."

Check ot what else he has to say at http://dariusforoux.com


Have You Learnt To Elevate Your Life Yet

Second Chances

If you have had a few setbacks recently, as I have then these are sound words to think about.

Life doesn’t always offer us second chances, but often it does. Don’t assume that you’re done just because you’ve made a mistake. Ask yourself where you can go from here.

If we dwell on what could have been, we’ll fail to see the potential opportunities that remain in front of us. We don’t yet know what opportunities will come our way.

We tend to give more significance to the negative things that happen, than we do to the positive things that happen. Combine that with a media which also focuses on the negative, and you end up with a lot of people locked into a negative worldview. And a negative impression of what the future holds.

What choice do we have, but to focus on the good? Focusing on the bad makes everything seem bad. Don’t stay stuck in what could have been. Move forward toward what can be.

Have You Learnt To Elevate Your Life Yet

How Smart is Your Coffee

Are you Really Still Drinking those "Junk Food Coffees" ?

Check out the video and you'll see there is a much better option available



Product Experiences:

·      More natural energy

·      Reduces oxidative stress

·      Provides anti-stress and anti-anxiety effects

·      Greater mental clarity

·      Enhanced memory

·      Reduced brain fog

·      Increased alertness, focus and concentration

·      Enables anabolic responses

·      Burns fat

·      Increases metabolism

·      Reduces fatigue and appetite

·      Powerful antioxidant

·      Reduces sugar and carbohydrate cravings

·      Elevates positive mood

Have You Learnt To Elevate Your Life Yet