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      "body": "@@ -270,16 +270,16 @@\n pool\n-s\n  amount\n+s\n  to \n",
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      "author": "sapwood",
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      "body": "Thank you for attending the lecture in Steemit-Crypto-Academy & doing the homework task-7.\n\n> If I am both an author and a curator at that time, I will get 70% of the new steems to be produced. (37.5% authors, 37.5% curators, 15% SP holders)\n\nNot, 70%.\n\nThe PoB reward pools amount to 65% of the total reward pool (32.5% for the authors and 32.5% for the curators).\n\n> Roughly speaking, new steem production in 2031 is 1.25 times more difficult than today.\n\nThat's correct. And the difficulty level is increasing with each passing year, but the visible impact we can see only after 2031 when the inflation rate and subsequent Block rewards begin to drop significantly.\n\n> New steem production in 2037 is 3.97 times more difficult than today.\n\nAlmost 4 times harder as compared to 2021!\n\n> Virtual supply today: 391,804,970\nVirtual supply in 2031: 685,011,397\nUntil 2031: 685,011,397-391,804,970 = 293,206,427\n\nThat's correct.\n\n**What would be the implication of the reduction in inflation rate and subsequent Block rewards?**\n\nPlease refer to this table. I have made this calculation on the basis of reducing inflation rate(0.01% every 250,000 blocks or in other words, 0.01% reduction at every 8.68 days). I have extracted the YoY figure for simplification.\n\n\n![block_reward.png](https://cdn.steemitimages.com/DQmY4nXrtP2nS5woKAppctCb6sfnVpkhk9Q1XpGwdGqb5aD/block_reward.png)\n\n\n\n**We have already established that 293.2 Million will be the new supply of STEEM tokens on account of inflation from 2021 to 2031.**\n\nThe average rate of new STEEM being minted per year in the first 10 years= 29.3 Million per year\n\nMarch- 2036- 774.02 Millions\n\n\nThe average rate per year(from 2031-2036)= 17.8 Million.\n\nThe average rate from 2037 is further going to reduce to 8.64 Million\n\n**Implication:-**\n\n- The current reward pool size is 29.3 Million per year with a total virtual supply of 391 Million.\n\n- 2021- SP to exercise is less(as the virtual supply is only 391 Million), and the reward pool is more- 29.3 Million per year\n\n- 2031- SP to exercise will be more (because the virtual supply will be more- 685 Million), and the reward pool will be less- 17.8 Million\n\n**Let's say the upvote value now is X, [Reward Pool per year= 29.3 Million, Virtual Supply=391 Million)**\n\n**In 2032, the size of the Reward Pool will be 17.8 Million and the virtual supply will be 685 Million.**\n\n**So the Upvote value will be X (17.8/29.3)= 0.6 X. So on account of inflation rate only it will be reduced by 40%, if we further consider the virtual supply it will be even lower than this value. Because with a virtual supply of 685 Million, the SP in effect will be more than what it is now(with a supply of 391 Million).**\n\n> I sent a secret message using my master password. The other party needs a master password or memo key to read the secret message.\n\nThat's correct.\n\nIdeally, it should be the Memo Key to encrypt or decrypt the message. But at the moment it is not fully implemented yet. So for the time being, you can send an encrypted message using the **Master Password** and decrypt it using **Memo Key/Master Password**.\n\nHowever, I would suggest not to send an encrypted message for fun. If it is really a requirement for you then only you should carry out this operation. The point is that you should avoid using a highly sensitive key like Master Password, and that should be kept safe, offline. Frequent use of Master Key should be avoided.\n\nThank you.\n\n**Homework Task -7 successfully accomplished.**\n**[6]**",
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      "author": "lopw",
      "permlink": "steemit-crypto-academy-or-homework-7-sapwood-or-inflation-recovery-account-encrypted-message",
      "title": "Steemit Crypto Academy | Homework 7 @sapwood|Inflation, Recovery Account, Encrypted Message",
      "body": "> As most of the STEEM tokens will be minted in the next 10 years or so(on account of inflation), how important it is for you to build your SP in the next 10 years and build significant influence power in the form of SP?\n\n\n![image.png](https://cdn.steemitimages.com/DQme1EqEVsQjWrYtQNiXCaZPiTw3W9wQFWUVna5vqgkAVci/image.png)\n\nMost of the steems will be published within the next 10 years. The reason for this is the high rate of inflation. Inflation, which was 9.5% before, is now 7.69%. Because inflation falls by 0.01% after every 250,000 blocks. The inflation rate progresses as 7.68%, 7.67% and 7.66%. When the inflation rate is 0.95%, the inflation rate remains constant.\n\nIt is important to build up SP power over the next 10 years. Because after 2031 the prize pool is noticeably decreasing. Because there will be a decrease in the number of Steem to be produced due to inflation compared to previous years. For example, I'm currently receiving an authorship award. Sometimes I get a curator award, but little or nothing. If I increase my SP power in the next 10 years, I will also win a curator award. If I am both an author and a curator at that time, I will get 70% of the new steems to be produced. (37.5% authors, 37.5% curators, 15% SP holders)\n\n>How difficult will it be to earn STEEM rewards after 2031?\n\n\nCurrently, 2.86 steems are produced in 3 seconds.\n\nnew_steem = ((virtual_supply * current_inflation_rate) / (BLOCKS_PER_YEAR))\n((391,804,970 * 7.692%) / (10,512,000)) = 2.86 STEEM\n\n2.27 Steems will be produced in 3 seconds in 2031\n((685,011,397 * 3.49%) / (10,512,000)) = 2.27 STEEM\n\nIn 2032, 2.06 Steem will be produced in 3 seconds.\n((707,866,212 * 3.07%) / (10,512,000)) = 2.06 STEEM\n\nIn 2037, 0.72 Steem will be produced in 3 seconds.\n((783,258,545 * 0.97%) / (10,512,000)) = 0.72 STEEM\n\nAs we can see in the table and as proved by mathematical operations, new steem production will be very difficult after 2031. The difficulty level will reach its fairly maximum in 2037.\n\n2.86 / 2.27 = 1.25\n\nRoughly speaking, new steem production in 2031 is 1.25 times more difficult than today.\n\n2.86 / 0.72 = 3.97\n\nNew steem production in 2037 is 3.97 times more difficult than today.\n\n\n>From 2021 to 2031 how many STEEM tokens are going to be minted(approx)? \n\nI will calculate according to the table prepared by the professor.\nVirtual supply today: 391,804,970\n\nI will calculate according to the table prepared by the teacher.\nVirtual supply today: 391,804,970\nVirtual supply in 2031: 685,011,397\nUntil 2031: 685,011,397-391,804,970 = 293,206,427\n\n\n\n>In which year the inflation and Block reward is likely to saturate(tentatively)?\n\nWhen the inflation rate reaches 0.95%, the inflation rate is now saturated. The inflation rate remains constant at 0.95 %. The estimated inflation rate will be saturated in April 2037.\n\n\n\n> Who is your recovery account in Steem, how do you check it(Hint- Steemscan), include screenshot(s)? In the case of any unforeseen event like hacking what information do you provide to the recovery account(or the trusted account) to initiate the recovery process?\n\n\n\n![image.png](https://cdn.steemitimages.com/DQmYhccTy6jLcUTPJAaD4oQW87eukZhohezQjivydnqfTze/image.png)\n\nhttps://steemscan.com/account/lopw\nMy recovery account is @steemhunt.\n\nMy recovery account is @steemhunt when I check it via Steemscan. An active project working on the steemblock chain. I constantly check whether it is active or not. If it loses its activity, I will replace the recovery account with a reliable and accessible one. If my password is changed by a hacker, I can recover the account via the recovery account. But I have 30 days. If I can't reach it within 30 days, I won't be able to use my account again.\n\n\nIn order to start the recovery process, I need to get the previous passwords to the trusted person.\n\n\n>How do you send an encrypted message(private message) to another peer in Steem Blockchain(include screenshot/process)? Which key is required to send a private message and which key is required to decrypt it? (Example/Screenshot)? Either send an encrypted memo-tag to exchange and send a private message to another user?\n\n\n\nWe can send a secret message to any of our friends or exchanges.\n\nhttps://steemitwallet.com/@lopw/transfers\n\n\n![image.png](https://cdn.steemitimages.com/DQmVJ5gncTjFDxJosw21QAhRmkaqRxVTiSHHGQ5aAQT1ufZ/image.png)\n\nI log into the wallet.\nI click on transfer where it says Steem or Steem Dollars.\n\n\n![image.png](https://cdn.steemitimages.com/DQmTmBRGeYPPhQSMQLU2hgRzmUSdbRJkAH7xykiMTVoF44b/image.png)\n\nI decide who I will send to, how many steem or sbd to send. If I don't have steem or sbd in my wallet, I can't do this.\n\nWhere it says Memo, I write # first. Then I write the secret message I want to send without any spaces.\n\n\n![image.png](https://cdn.steemitimages.com/DQmdLSKZmFxDQELaXRep6H8iTa56Z1P7EXEenZHLZaYLCX2/image.png)\nI sent a secret message using my master password. The other party needs a master password or memo key to read the secret message.",
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      "body": "@@ -669,25 +669,16 @@\n %0A%0A**\n-What is \n USD Coin\n-?\n **%0A%0A\n@@ -1751,17 +1751,16 @@\n rinciple\n-?\n **%0A%0AWe m\n",
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      "body": "We have examined the issue of stable cryptocurrencies from the past week. We investigated in detail what stable cryptocurrencies do. In this lesson, we will deal with this issue from a different perspective.\n\nStable cryptocurrencies have been created to protect us from excessive price fluctuations. Tether is the first stable crypto currency to be produced. Then, dozens of stable crypto coins were produced. USDC is also among the stable cryptocurrencies. It has a central structure, but all transactions are transparent.\n\n\n![image.png](https://cdn.steemitimages.com/DQmUB5DhFL5cEpt986L7ZDuGSKD9i15AENwq4eT7iWSGKuC/image.png)\n[source](https://www.circle.com/en/usdc)\n\n**What is USD Coin?**\n\nUSD Coin (USDC) is produced by a group called Center and is a cryptocurrency whose price is pegged to 1 US dollar. From time to time, there are deviations of 1 dollar. In the period when other cryptocurrencies soared, the USDC price fell slightly, it was seen to drop to $ 0.92 in the past, but March 12, 2020 was a very bad day for cryptocurrencies. It was able to hit the highest level of $ 1.12 before. I think it was manipulated, probably because there was not enough USDC in the market at that time.\n\n USDC is an open source cryptocurrency project backed by Circle and Coinbase, based in the United States. It is developed by the group / organization called Center. The Center is responsible for the management of the USDC. For each USDC the Center releases, 1 US dollar is kept in a private bank account. Thus, it was aimed to fix the USDC price to 1 USD and it was achieved.\n\n\n![image.png](https://cdn.steemitimages.com/DQmSDKYWNNPvrR6xnXWYiWomQZYLk6nEj3bTxTRcGdRLxD1/image.png)\n[source](https://www.circle.com/blog/introducing-usd-coin)\n\n**USD Coin Working Principle?**\n\nWe mentioned that USDC Coin is supported by the Center consortium. The Center is managed by companies that are constantly subject to certain audits. Customers who want to use USDC and spend in trade must pass a certain approval. Make sure that Centre's customers using USDC are not money laundering.\n\nIt is produced by the Center as an ERC-20 based coin on the Ethereum network. It runs on the Ethereum network. Preparations are being made to work on other networks. It can be transferred between Erc-20 based wallets.\n\n\n![image.png](https://cdn.steemitimages.com/DQmccwa3uVpQACi9c5nedjFHyDDgKm2DjhSTAh2aJ3fbuvp/image.png)\n[source](https://blog.coinbase.com/expanding-usdc-crypto-trading-globally-322a3d670d59)\n\n**How and In Which Wallets Is USD Coin (USDC) Stored?**\n\nI mentioned that USD Coin uses the ethereum network. They will be migrating to other networks in the near future. They have to do this both to get rid of ethereum network dependency and to free their customers from high transaction fees. For now, you can store USD Coin in wallets that connect to the ethereum network and support ERC20-based tokens. There are wallets that support devices such as online, desktop, and mobile.\n\nIf you choose to have your Ethereum wallet on your smartphone, you can use mobile wallets. Wallets such as Exodus, AtomicWallet, TrustWallet are suitable for this. To convey my own experience, TrustWallet, supported by Binance, stands out as the most suitable of these wallets.",
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      "body": "Hi @lopw\n\nThank you for joining [Steemit Crypto Academy](https://steemit.com/trending/hive-108451) and participated in the Homework Task 7.  \n\n|<center>Review Visit Level</center>|<center>Task Remark</center>|<center>Comment </center>|<center>Guidance, Feedback, Suggestions</center>|<center>Grade</center>|<center>Verification (Done, Hold)</center>|\n|--|--|--|--|--|--|\n|<center>First</center>|<center>Completed</center>|<center>Explained Well.</center>|<center>Looks fine. But I will suggest to focus on post presentation, try to show the highlighted as important points.</center>|<center>6</center>|<center>Done</center>|\n\nYour Homework task 7 verification has been done by @Stream4u, hope you have enjoyed and learned something new in the 7th course.\n\nThank You.\n@stream4u\n[*Crypto Professors : Steemit Crypto Academy*](https://steemit.com/cryptoprofessor/@steemitblog/the-steemit-crypto-academy-the-first-crypto-professors)",
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      "title": "Steemit Crypto Academy | Homework 7 @stream4u|Money Management and Portfolio Management",
      "body": "**Money Management**\n\n\n![image.png](https://cdn.steemitimages.com/DQmR3CFwMDMPau5KkCZJX9USJTtHwzHrKcjA1H9XebHn5oT/image.png)\n[source](https://www.bbva.com/en/global-finance-recognizes-bbva-usas-treasury-and-cash-management-services-for-second-consecutive-year/)\n\nIt is important to know a number of rules about money management. You may think that if you start to earn more money, all your money-related problems will be solved. But higher earnings will definitely not solve your problems until you learn to manage the money you have. Your wrong choices about money management will lead you to the brink of bankruptcy. You may lose all your money in a moment.\n\nBefore investing in anything, we need to think carefully about how much we should allocate from our own budget. Once we have decided on this, we should divide the money we will allocate into 3, 4 or 5 parts. Because if we buy a single cryptocurrency with all of our money, with a negative news, the crypto currency price may drop and we may lose most of our money.\n\nWe must first thoroughly investigate the crypto money we want to invest. Then we need to open its chart and identify the support and resistance points. We have to give a purchase order from the support point. We should apply the same method in other crypto currencies to choose from.\n\n**Portfolio Management.**\n\n\n![image.png](https://cdn.steemitimages.com/DQmcUv4JjAperNpdhFJFfESQy2SGMSyCqEbp2Z9PD7nw24J/image.png)\n\nI only have XRP in my portfolio. I know this is the wrong method. I didn't care about this because the amount in my account was small, actually I should have. There could be some more cryptocurrency in my portfolio. I made this decision without looking at any technical analysis. I bought XRP about a month ago because I thought it was going to be positive in the Ripple court. I bought it at the $ 0.545 level. I also ordered to triple my money. This is a wrong method, even if I am in a little snow right now. I have to change my mind, I have to educate myself.\n\nI also have Steem, Tether under $ 5 in total in my account. My portfolio cannot be called a successful portfolio as its quantities are very small compared to XRP.\n\nXRP has been below its price for a long time. This is why I could not evaluate many cryptocurrencies I was considering purchasing. For example, it was the cryptocurrency I was considering buying ADA. When he was under my watch, his price increased by 50%. However, since all my money is in XRP, I couldn't use it.\n\nXRP is in an upward trend due to the news developing in its favor. It would not be right to sell it by technical analysis because if there is a court-related improvement, XRP can increase 3-4 times with a good pump.\n\nIf XRP goes up 3-4 times I will ruin them all. Then I will analyze your technique. I am buying some cryptocurrencies that I follow. I order 20% of my money for XRP to buy from the support zone.\n\n\n\n![image.png](https://cdn.steemitimages.com/DQmNYQZ5ZT1DwP4tTQAAyRtpHZFU1WdQB3qGEimFzH51gZ8/image.png)\n\nAs I said, XRP is in an upward trend. I do not find it right to spoil. The picture above makes up my watch list.\n\n\n**When was the last investment failed and Why? (those who have experienced this can provide views.)**\n\nThe reason for this failure is again due to XRP. There was some Steem I had before. I sold the steems and bought XRP. XRP has increased by 5% from its purchase price. I regret selling the Steems. Steemin's current price is almost twice the price I am selling. The reason for my mistake here is that I have a lot of trust in XRP. In the first hearing, I thought there would be developments in favor of XRP. Maybe I could sell some of the steems. It was stupid to sell them all.\n\n\n**Conclusion.**\n\nThis course will lead me to take more professional steps in portfolio management. Because I had shortcomings in portfolio management. I will try to fix them. Now I will be more careful with my choices.\n\n\n@steemcurator01\n@steemcurator02\n@stream4u",
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