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      "author": "steemitboard",
      "body": "Congratulations @mcdermpt! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@mcdermpt/birthday3.png</td><td>Happy Birthday! - You are on the Steem blockchain for 3 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@mcdermpt) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=mcdermpt)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "author": "mcdermpt",
      "body": "Interface and lack of mobile is not going to let this social media platform take off.\n\nCan't even change my password. \n\n Steemit is over. Also, confusing crypto with awkward conversions. \n\nDan Larimer has failed. that's it. I'm out.",
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      "author": "partiko",
      "body": "Thank you so much for sharing this amazing post with us!\n\nHave you heard about Partiko? It’s a really convenient mobile app for Steem! With Partiko, you can easily see what’s going on in the Steem community, make posts and comments (no beneficiary cut forever!), and always stayed connected with your followers via push notification!\n\nPartiko also rewards you with Partiko Points (3000 Partiko Point bonus when you first use it!), and Partiko Points can be converted into Steem tokens. You can earn Partiko Points easily by making posts and comments using Partiko.\n\nWe also noticed that your Steem Power is low. We will be very happy to delegate 15 Steem Power to you once you have made a post using Partiko! With more Steem Power, you can make more posts and comments, and earn more rewards!\n\nIf that all sounds interesting, you can: \n\n- Download Partiko Android at [Google Play](http://bit.ly/2SRFIta)\n- Or Download Partiko iOS on the [App Store](https://apple.co/2PcXkSd)\n\nThank you so much for reading this message!",
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      "body": "Nice article. While bitcoin the protocol and bitcoin the peer 2 peer system can NOT be hacked. The price of bitcoin CAN be hacked. How? The answer is 3rd party exchanges. They can engage in what is called Naked Short Selling. Meaning that they can short (or long) the price of bitcoin without proving that they hold any bitcoin. Here is an example. If you put 1,000 dollars onto a 3rd party exchange (like coinbase, this is an example not calling out coinbase), and never pull it out of the exchange they can naked short bitcoin. What they can do, is use your capital and pretend that you have that bitcoin. They can use that capital and \"sell\" bitcoin so that the price goes down. This is a practice called fractional reserve \"banking\" i guess its fractional reserve \"bitcoining\" as well. If everyone were to pull their money off of the exchanges (proof of keys) then there could be a \"run\" on the exchange. If they don't actually hold your bitcoin/money they would go belly up, and you would be shit out of luck. Get your money off of the exchanges and into a wallet where YOU hold the private keys. Good day!",
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      "body": "Any new frontier( like crypto) will bring scam and con artists. The crypto world is chalk full of them. \n\nLook at the top 10 crypto-currencies. \n1. Bitcoin - not a scam. You have people on the fringes but the protocol itself is not a scam. \n2. XRP - might be a scam; unlimited supply, supported by big banks, minimal holding levels, etc. \n3. Ethereum - not a scam, but a failing crypto. Most of the ICO's it has allowed to be created are HUGE scams. \n4. Stellar (I don't know enough about this to comment) I believe it has unlimited supply, so that is a terrible feature\n5. Tether (this is very controversial and might be a scam), they havent proven that they actually hold the USD they purport too. \n6. BCH - Fake bitcoin is possibly a scam. If not a scam, a weak coin. \n7. EOS - people love EOS, but c'mon its really shady, its a scam. \n8. BSV - Satoshi Vision is fake, fake, bitcion. 2 wrongs don't make a right, total scam\n9. Litecoin (a copycat, but not a scam)\n10. Tron - Don't know enough. \n11-100,000 - absolutely full of scams, some aren't but simply won't make it out alive. \n\nAs you can see,and I know its mostly opinion, but there are a lot of scams in the crypto world. Especially since it is new and unregulated. I think non-regulation is a positive aspect in general, but it creates potential for people to be conned into massive scams. This is why I'm becoming a Bitcoin/Litecoin maximalist. I just don't see the scams in them. All the other top 10 currencies I simply do not trust. This is supposed to be a trust-less system. This space is going to be brutal for people who don't choose the right coin. Maybe its 1. maybe its 10. But I see more scams than honest companies. Be careful out there. Hell even the steemit coin (not the platform) is somewhat a scam. No one makes money on this platform except for the founding fathers. \n\nHave a good day, rant over!!!",
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      "author": "steemitboard",
      "body": "Congratulations @mcdermpt! You have completed the following achievement on the Steem blockchain and have been rewarded with new badge(s) :\n\n<table><tr><td>https://steemitimages.com/60x70/http://steemitboard.com/@mcdermpt/voted.png?201811160137</td><td>You received more than 50 upvotes. Your next target is to reach 100 upvotes.</td></tr>\n</table>\n\n<sub>_[Click here to view your Board of Honor](https://steemitboard.com/@mcdermpt)_</sub>\n<sub>_If you no longer want to receive notifications, reply to this comment with the word_ `STOP`</sub>\n\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemfest/@steemitboard/the-meet-the-steemians-contest-is-over-results-are-coming-soon\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmeLukvNFRsa7RURqsFpiLGEZZD49MiU52JtWmjS5S2wtW/image.png\"></a></td><td><a href=\"https://steemit.com/steemfest/@steemitboard/the-meet-the-steemians-contest-is-over-results-are-coming-soon\">The Meet the Steemians Contest is over - Results are coming soon ...</a></td></tr></table>\n\n> Support [SteemitBoard's project](https://steemit.com/@steemitboard)! **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!",
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      "body": "I'm sorry about the upload quality. It looks fine on my phone, but not on my desktop computer. It also looks better on Twitter.",
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      "author": "mcdermpt",
      "body": "![Coinbase.png](https://cdn.steemitimages.com/DQmQPivQPCe9oBUj67b1CUbnqcRT5AY1vT1pnS3EugXkGdh/Coinbase.png) VS. ![ABRA.png](https://cdn.steemitimages.com/DQmeixxBMCDnhHce7KbJrYgqavRBcJjvDRip8wDQmeAoUht/ABRA.png)\n\nCryptocurrency lovers around the globe are busy trying to turn their fiat into crypto. In order to\ndo this, fiat dependents, must use what is called an exchange. There are many exchanges across\nthe world. Some exchange crypto for other crypto. Some exchange fiat for crypto (and back).\nOthers do both! Litecoin Pat decided to conduct an experiment with two popular\ncryptocurrency exchanges to determine what has the better user experience. \n\nThe experiment is between Coinbase (a very popular exchange) and ABRA (an exchange growing in popularity).\nThere are many other exchanges that exist across the globe but these two are quite popular\n(especially in America). Other cryptocurrency exchanges such as Robinhood, GoldMoney, &\nCircle Invest were not considered for this experiment. Why? Because those exchanges do not\nallow you to send your BTC, LTC, etc. off of the exchange. You are forced to convert back into\nfiat to get off the exchange. Crypto lovers what to keep their crypto without converting back\ninto fiat. Coinbase and ABRA allow you to send your crypto to a private wallet, which is a must\nfor security.\n\nBelow you will find the results of exchanging 10 dollars into Bitcoin. *Bitcoin was used instead\nof any other altcoin (Litecoin is not an altcoin) for the simplicity of the experiment. Bitcoin was\npurchased within a minute of each other. I do not think the spot price of Bitcoin changed within\nthat minute. The Spot price of BTC at the time was 6,233.01.\n\n![](https://cdn.steemitimages.com/DQme4GHVSkUmGVbjrDoMEbWQmX2u4CUYGRg39NjbvKT7yPx/image.png)\n![](https://cdn.steemitimages.com/DQmSK655Eu3w3bGqK1HiNR3RPdRkyrtgPJHJCeSooENnMyQ/image.png)\n\nCoinbase – What’s nice about Coinbase is that I was able to buy BTC instantly. It appears to pull\nfrom your linked ACH bank account. The purchase amount shows up instantly. You do not have\nto transfer USD to your Coinbase USD wallet (although you can). What’s not so nice is that for\n10 dollars it charged a .99 cent fee. The fee schedule changes with the amount of crypto you\nbuy and this experiment is using $10. Additionally, it takes 6 days (a long, long time) to be able\nto get your crypto off of the exchange and send it to a personal wallet of your choosing. \n\nThat is a long time, and if your purchase is much more (let’s say $10,000) it might make you nervous to\nhold your BTC on an exchange that may or may not use fractional reserves to “hold” your BTC.\nThe resulting Bitcoin from my $10-dollar purchase was .00144553 ($8.96). I should note that there will be a transaction fee when I do send it to my personal wallet. This applies to both Coinbase and ABRA and I am not sure if one will be more or not (my guess is it is the same).\n\nABRA – In order to purchase on ABRA you have to deposit USD (or other crypto including BTC\nand LTC) from your linked ACH bank account. This process took me about 2 days. ABRA appears\nto use an “Exchange Spread” in order to garner fees and profitability. The spot price for BTC\nwas 6,233.01 and the “Buy” price was 6,295.00. This is known as the exchange spread and\nmany exchanges use this practice. The fee seemed fair and was less than Coinbase. The\nresulting BTC amount was .00158848 ($9.85). This amount was more than Coinbase. So ten\ndollars turned into more BTC on ABRA than it did on Coinbase. Additionally, it only took the\nABRA exchange 5 hours in order for me to send my BTC off of the exchange. This is a huge\nadvantage, especially for larger purchases. The only downside was that it did take ABRA a\ncouple of days to deposit my initial 10 dollars.\n\nThere are other ways to purchase crypto on the ABRA exchange as well. For heavier fees they\ndo allow credit cards (MasterCard and Visa) and for a lesser fee (American Express). There are\nlimits to these amounts, but I thought I would mention it. As far as I know, Coinbase no longer\nallows you to use credit cards to purchase crypto. Coinbase also appears to be more heavily\nregulated, this may change in the future.\n\nConclusion\nIn my opinion the ABRA exchange was superior. Not only did my initial $10-dollar investment\nresult in more BTC, it allowed me to send the BTC off of the exchange faster. The buying and\nmoving experience was just better on the ABRA exchange. Both ABRA and Coinbase allow\npurchases of other Cryptocurrency (this is a long list for ABRA and Coinbase), but both restrict\nwhich coins can be sent off of the exchange. As far as I know, ABRA allows the following to be\nwithdrawn to a private wallet: BTC, LTC, BCH. Coinbase allows: BTC, BCH, ETH, ETC, LTC, ZRX\n(not sure what this is), BAT (Basic Attention Token), and USDC (I think this is a stable coin).\n\nIt’s very important to send your crypto to a wallet where you hold the private keys. Without\nbeing able to send the crypto off the exchange creates a certain amount of risk. The exchange\ncould collapse depending on what practices they use. ABRA allows you to send off quite quickly,\nso I see that as an advantage. Things can change (for better or worse) but as of right now, I\nbelieve that ABRA is the clear winner when buying crypto.\n\nLITECOIN PAT",
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      "body": "Congratulations @mcdermpt! You have received a personal award!\n\n[![](https://steemitimages.com/70x70/http://steemitboard.com/@mcdermpt/birthday2.png)](http://steemitboard.com/@mcdermpt)  2 Years on Steemit\n<sub>_Click on the badge to view your Board of Honor._</sub>\n\n\n> Do you like [SteemitBoard's project](https://steemit.com/@steemitboard)? Then **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!",
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      "author": "mcdermpt",
      "body": "Coinbase has dominated the crypto market for years. There was no easier way to get your fiat converted into crypto. Currently Coinbase carries the big 4, bitcoin, ethereum, litecoin, and bitcoin cash. They used to allow credit cards but the credit card companies now treat crypto purchases as a \"cash advancement\". But they still do allow ach and debit transfers. These transfers either cost a fee when buying crypto directly, or take up to a week for a near 0 fee to transfer to \"Coinbase Pro\". There are of course allegations that Coinbase is built on derivates and doesn't actually own as much crypto as they pretend. Now, I don't know whether those allegations are true or not, but Coinbase does not claim to be decntralized. So while I certainly like Coinbase (it receives a lot of undue hate) there are some possible negatives. \n\nIn comes the ABRA wallet, which like Coinbase, can be accessed on your phone. Actually, at this time only Coinbase uses both phone and the desktop. However, the Abra wallet allows ACH transfers much faster than Coinbase. It also doesn't charge USD fees when purchasing through their USD wallet; which is excellent. Basically Abra wallet allows you to purchase crypto for no fees at all. This is a huge advantage. It also carries the big four above and many more. Now, it doesn't allow for crypto withdrawals for every crypto they have (they promise more in the future). I believe it only allows bitcoin & litecoin deposits and withdrawals. Basically it has fewer \"hot wallets\" than Coinbase has. But it is certainly a competitor IMO. \n\nI personally think that Abra is slightly better than Coinbase at this point in time. Zero fees are a big deal. Coinbase pro can basically do that, but it takes much longer than the Abra \"wallet\". They do claim to be more decentralized but I have no clue if that claim is true. So holding one of the currencies that you can't withdraw might be a risk. \n\nMy advice would be to buy through either of the above exchanges and quickly send it to a wallet where you hold your private key. I do think the Abra wallet and competition for Coinbase is a step in the right direction. \n\nGo Litecoin!! ![download.png](https://cdn.steemitimages.com/DQmSKZ8YGWhY3y9BSw5erWRZoTmcycXEQmiX3d4bYBHZWau/download.png)",
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      "body": "Coinbase has dominated the crypto market for years. There was no easier way to get your fiat converted into crypto. Currently Coinbase carries the big 4, bitcoin, ethereum, litecoin, and bitcoin cash. They used to allow credit cards but the credit card companies now treat crypto purchases as a \"cash advancement\". But they still do allow ach and debit transfers. These transfers either cost a fee when buying crypto directly, or take up to a week for a near 0 fee to transfer to \"Coinbase Pro\". There are of course allegations that Coinbase is built on derivates and doesn't actually own as much crypto as they pretend. Now, I don't know whether those allegations are true or not, but Coinbase does not claim to be decntralized. So while I certainly like Coinbase (it receives a lot of undue hate) there are some possible negatives. \n\nIn comes the ABRA wallet, which like Coinbase, can be accessed on your phone. Actually, at this time only Coinbase uses both phone and the desktop. However, the Abra wallet allows ACH transfers much faster than Coinbase. It also doesn't charge USD fees when purchasing through their USD wallet; which is excellent. Basically Abra wallet allows you to purchase crypto for no fees at all. This is a huge advantage. It also carries the big four above and many more. Now, it doesn't allow for crypto withdrawals for every crypto they have (they promise more in the future). I believe it only allows bitcoin & litecoin deposits and withdrawals. Basically it has fewer \"hot wallets\" than Coinbase has. But it is certainly a competitor IMO. \n\nI personally think that Abra is slightly better than Coinbase at this point in time. Zero fees are a big deal. Coinbase pro can basically do that, but it takes much longer than the Abra \"wallet\". They do claim to be more decentralized but I have no clue if that claim is true. So holding one of the currencies that you can't withdraw might be a risk. \n\nMy advice would be to buy through either of the above exchanges and quickly send it to a wallet where you hold your private key. I do think the Abra wallet and competition for Coinbase is a step in the right direction. \n\nGo Litecoin!! ![download.png](https://cdn.steemitimages.com/DQmSKZ8YGWhY3y9BSw5erWRZoTmcycXEQmiX3d4bYBHZWau/download.png)",
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      "body": "Like many before me, I was amazed by the capability that the EOS token/blockchain was promising. A near perfect money, stronger than ethereum, and faster than litecoin. What's not to like. Recently EOS has had major problems including freezing multiple accounts. As someone who can't dedicate hundreds of hours towards crypto I am a bit perplexed and frankly scared that my own EOS tokens have become obsolete. Due to family matters, I was unable to \"register\" my EOS. Now it sits in a wallet. I can't send it to a wallet that could get registered, I can't exchange it for another crypto, I can only stare at it.\n\nNow it's not a lot, so my life isn't over, but it is very disappointing that at this time it has been completely FROZEN. It sits in the JAXX wallet and can't do much of anything. \n\nIf Dan Larimer want people to believe in EOS then they have to have a solution to this problem. I understand that there was a time-frame where people had to register their EOS, but will there be a second opportunity. If not, I would never trust a project by Dan Larimer again. Mr. Larimer created steemit, which has many positives, so I figured he would do a great job with EOS. IMO, so far he is wildly under-performing. When will the assets get unfrozen and when will EOS stop acting like a foreign bank account. \n\n![](https://cdn.steemitimages.com/DQmdpA6iHMSTGu9K8w23NAY7qosHck6oFMjtNWxHxH5zKbn/image.png)\n\nBitconnect smelled like a scam to me, and frankly EOS is starting to smell like one as well. EOS however, would be a massive scam the crypto world has yet to see. It might actually send crypto fanatics back decades.",
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      "author": "mcdermpt",
      "body": "![ip.bitcointalk.png](https://steemitimages.com/DQmNgGHbw4AyHaQaUqkxPwHLMJjKXSGdoHDyr2uyEExtLMu/ip.bitcointalk.png)\nBitconnect has proven to officially be a scam. Give or take a couple of days, but the bitconnect platform is no longer working on 01/16/2018. If you read my earlier post, I called this scam and when it would go belly-up almost to the date. If something is too good to be true, it usually is. The writing was on the wall, no one can promise those types of gains and deliver day in and day out. \n\nWhat are going to be the ramifications of this bitconnect scam? I think very little will be done. One thing is for sure, people will be calling for more regulation in the crypto space, the same space that has to this point defied regulation. That is actually one of the proponents of bitcoin itself, the fact that it is supposedly self-regulating. While bitcoin might self-regulate, the crypto space certainly does not. Does this call for regulation by some entity (3rd party or governmental) or is it simply a learning opportunity where the lesson is that greed does not pay off. Let the debates begin. \n\nOne thing is true, you have to do your homework. If you don't, you can get burned just like in any industry. Many people called out bitconnect for being a possible scam. A simple internet search revealed that bitconnect was most undoubtedly a scam. Should the late investors be given their money back? In my opinion, no. They did not do their homework, and if they did, they knew the risks and took the gamble on anyways. Again, I think people should be allowed to take their own risks, but you do feel bad that a lot of people lost a lot of money on this platform. People need to learn how to protect themselves. At this point in crypto, everything should be taken with skepticism. Crazy times are here, and crazy times are ahead. The crypto space offers so many advantages, but it would be foolish to act as if there aren't huge risks out there. \n\nI just looked it up, and it looks like bitconnect had about a 1 billion dollar market cap. Wow, 1 billion just going poof. I mean not a billion dollars was lost on net, but it sure traded a couple of hands. If you were one of those hands that lost, you must be very angry right now. Ponzi schemes are never fun. This one was well devised and worked for much longer than a lot of people believed. For over a year this ponzi scheme worked pretty much flawlessly. Bitconnect appears to have continued to operate their website and perhaps the now next to zero bcc currency. It has released an explanation of what happened, but you will have to read that and decide if you think their is any validity to their explanation. For me, it doesn't sound to convincing and continues to be shady. \n\nBitconnect has released a new website bitconnectx. But I don't think there is any way that that is going to work now. Imagine if Bernie Madoff came out with a new platform after his ponzi failed. No one in their right mind would sign up for that thing. Their credibility has got to be next to nothing.",
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      "author": "mcdermpt",
      "body": "I called it almost to the exact date. I was three days off. Bitconnect has closed its doors and is now officially a scam. 01/16/2018. Many have been hurt by this practice. I think it is important to blame the creator of bit-connect and not the promoters. Greed got the best of them. This just promotes the old adage: If it's too good to be true, it probably is.",
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      "author": "vieira",
      "body": "Personally I'm going to have a little more than double what was invested, and considering the bitcoin price increase, because the value is higher, but for now, I still have not recovered my money.",
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      "author": "mcdermpt",
      "body": "Yeah I figured it will take awhile to make the investment back. But do you expect to make a profit by the end of your contract? I kind of just wanted to give it a chance and see what it could do.",
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      "body": "@@ -323,17 +323,17 @@\n ints tha\n-t\n+n\n  there a\n",
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      "author": "mcdermpt",
      "body": "Just listened to Trace Mayer. You owe it to yourself to listen to Trace, he is very brilliant when explaining bitcoin. And basically the answer is that bitcoin could \"create\" more bitcoin by updating the protocol. It wouldn't necessarily create more bitcoin, but it would allow bitcoin to be divided. As in more decimal points that there are right now in a satoshi. So if need be, it can be broken down if the price of 1 satoshi gets too big. Which makes me thing that Bitcoin really is starting to look like an almost perfect money. To the moon it goes!",
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      "author": "vieira",
      "body": "I do not think it's scam, I've been using it for several months, it sometimes stays inactive but then it recovers, what if I tell you is that to recover your money you'll have to wait a lot, and even more to start making a profit.",
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      "author": "mcdermpt",
      "body": "Hello Steemit, \n\nJust bought 2 (75.00 USD) bitcoin mining contracts yesterday on Hashflare and the network is already down. \n\nSo many scams in crypto, just have to be careful. I really hope this isn't permanent, but I may have been scammed. \n\nThis brings up a huge aspect of cryptocurrency that is unsettling. Crypto was supposed to rid money of fraud and deception. But it looks like (off blockchain) fraud still exists in numbers. Just have to be careful, put your homework in, and don't put all of you eggs in one basket.\n\nBe wary of mining contracts, connecting crytpo currencies, exchanges, and to good to be true situations. Scams are going to give crypto a bad name, but remember that all scams are not on the blockchain itself. \n\nDoes crypto need regulation? I say, not yet. Let's get through these crazy times and see if crypto can't figure itself out. Hard lessons will be learned, but as a newborn infant, crypto will have many obstacles for decades to come. \n\nGood luck out there!",
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      "author": "mcdermpt",
      "body": "haha, boy was I wrong so far. Crypto is exploding. bitcoin and litecoin to the moon.",
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      "author": "mcdermpt",
      "body": "The interest structure of a CD is yearly not daily like bitconnect. Bitconnect's yearly interest rate compounded daily is astronomical. And the owners of Bitconnect will shut it down once they realize the game is up and people start pulling out instead of putting in. This game will naturally go to zero, or the owners could cash out early while still driving the coin to zero. Perhaps bitconnect the crypto isn't technically the scam, but bitconnect the lending program is. The owners will still have plenty of bitconnect tokens to sell in a flash thus making millions and driving the coin dramatically down. The first adopters will earn plenty of money, the owners will make plenty, and the ones holding the bitconnect token or still have cash in their lending wallet will lose their shirts. This is a zero sum game. The bitconnect crypto will simply transfer money from some people to give it to other people. The writing is on the wall. If people want to experiment, go right ahead, but be prepared to lose it all. This is nothing more than a grand poker game.",
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      "author": "brokecollegegrad",
      "body": "I'm actually quite curious about Bitconnect as well. Nobody has been able to actually prove that the bot doesn't exist. Alot of the skepticism about Bitconnect is exactly what it is - skepticism. Something else weird is that the price of BCC has shown <strong>significant growth</strong> the past month. Compared to other coins/tokens it's growth is very \"stable\", speaking in crypto terms.",
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      "author": "mcdermpt",
      "body": "Is called choice!!!!!!!! \n\nYou're welcome. With all the failed cryptocurrencies that are going to come, many will clamor for regulation of they crypto space. This isn't needed. Choice is the only type of \"regulation\" that is needed. People will vote with their feet (or now fingers) if they don't like a certain produce or crypto.",
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      "body": "Whatever @resteembot resteems, I resteem too!\nI am a new, simple to use and cheap resteeming bot\nI will automatically resteem posts resteemed by @resteembot until 2017-10-15 00:00:01 +00:00\nIf you want to read more about me, [read my introduction post](https://steemit.com/resteembot/@reblogger/reblogger-new-resteeming-bot-based-on-resteembot).",
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      "author": "ccfoshee",
      "body": "If Bitconnect is a scam it is a very lucrative one for the people putting it on.  Why would they want to shut it down?\n\nFurther, the returns are not guaranteed for the majority of the loans.  I imagine 90%+ of the loans made are $1000 or less.  For those at $1010 and above, the interest structure is no different that a CD at a regular bank.\n\nI predict the rate of return will diminish significantly until it is no longer attractive.",
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      "body": "Hi, mcdermpt! I just resteemed your post!\nI can also re-steem and upvote some of your other posts\n\n----\n\nCurious? Check out @resteembot's' [introduction post](https://steemit.com/resteembot/@resteembot/how-to-use-resteembot-updated-2017824t202525149z)\nPS: If your reputation is lower than 30 re-blogging with @resteembot only costs 0.001 SBD",
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    {
      "author": "steemit-earn",
      "body": "thanks 😍😍😍😍😍😍",
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      "author": "mcdermpt",
      "body": "Bit-connect has been in the news a lot lately. This is my take: \n\nIt is not a scam on the way up, but it will be if it ever crashes. And most likely it will crash. I give it 3 more months. No way they can offer a daily interest rate of near 1%. There is just no way that kind of return is sustainable over the long term. Too tired to do the math, but easily findable on Steemit. 1% compounded daily, will create multi-billionaires. Either they are a ponzi, or something much darker and more evil. I'm out on both fronts. Once my own capital is back (almost there) I'll check out. Something is not quite right about this bit-connect. \n\n![bitconnect-big.jpg](https://steemitimages.com/DQmeg1GPYpddQV1oi7QuivZhsSZNREnvW1uu6FirQ55mHyJ/bitconnect-big.jpg)\n\nThe biggest question that Bit-connect should answer to prove its legitimacy is that of the autobot which garners that  phenomenal interest rate. How in the world does that autobot actually make money? There is hardly any explanation about how the autobot achieves its miraculous returns. You'd think something so fantastic would have a dedicated page on how it is accomplished, but the official bit-connect explanation is almost laughable. This is the best I could find on the website. \n\n\"The chart above represents interest rate changes on our platform, tracking the volatility of BTC vs USD and the volatility of USD against major world currencies. The Bitcoin Price Volatility Software calculates interest in real-time for you, so you can monitor profit at any time. Increased volatility means there is greater uncertainty on the returns of your investment.\" \n\nThat's not an explanation. Not even close. So, we're all just supposed to believe in this Bot? Sounds sketchy, or even sinister. I hope this isn't some twisted experiment with artificial intelligence. Game over. \n\n![images.jpg](https://steemitimages.com/DQmair9v7A2RJCc1yzZZuMASvPWnenQw4dBqQur3KyzaEWs/images.jpg)\n\nIf I were you (the reader) I would personally stay away from bitconnect and get involved with some other crypto. \n\nMy favorites right now are Bitcoin and Litecoin.",
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      "author": "mcdermpt",
      "body": "hahahahaha. Fantastic man! Bitconnect is going to give crypto a bad name. Another roadblock. Unfortunately, this may call for some regulation. Maybe not. I wonder if there is a decentralized way to regulate these ponzi's. Or maybe all we need is a Mt. Gox and a Bit-connect for people to do their research. I've got about 3 more weeks to get my capital back. I have about 70% so at least I won't get destroyed. The idea of bit-connect might work if they didn't promise a ridiculous 1%.",
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      "body": "[![](https://steemitimages.com/DQmebYoSLMeCbXMWtvXM6erSUtYho4qTC58AVNGNk2RGewj/image.png)](https://steemit.com/@fitzgibbon)|[![ezgif.com-resize.gif](https://steemitimages.com/DQmWeTfRCbp9fi2LHsnVoNxLNcttGW1L1F1V1Ug4hPkYnoq/ezgif.com-resize.gif)](https://steemit.com/@fitzgibbon)<br> Loved your post, upvoted! Never worry, but be wise!",
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      "body": "72% of bitcoins have been mined. Projected timeline for all bitcoins to be mined is somewhere between the year 2100 and 2150. \n\n![BITCOIN VS SATOSHI.png](https://steemitimages.com/DQmYYmbdPzpsraDRF9oqegUKz5EpfhXg39xDzPgdsqNnmKe/BITCOIN%20VS%20SATOSHI.png)\n\nWhen the last bitcoin is mined, will the volatility of bitcoin slow down? Or perhaps the volatility depends solely on the existing fiat currencies flooding the bitcoin market? If volatility exists indefinitely, will bitcoin ever be used as a store of value. This poses a couple of problems for bitcoin down the road.  \n\nThis poses an interesting phenomena, if bitcoin eventually replaces major fiat currencies then the volatility should swing down. Will prices of goods ever be priced in bitcoin... Will a store really price soda for .0000001 bitcoin (or whatever). Shouldn't the decimal point be changed for ease of understanding. A satoshi is 0.00000001. If bitcoin becomes so popular is it conceivable that 0.00000001 of bitcoin or a Satoshi will actually be too large to exchange. Think about it; would if the current U.S. penny was actually worth a dollar. How would anybody \"make change\". So, what if a satoshi buys you something like a sandwich (let's say $5.00). I know this is kind of a silly problem to think about, but just wondering if bitcoin has the ability to be used globally forever and always. People lose bitcoin all the time. Wallets are forgotten about, and passwords are not remembered. If Bitcoin is lost, doesn't that drive up the value over time. Circulating bitcoin may always drop due to lost bitcoin. Doesn't this require additional \"printing\" of bitcoin. But bitcoin is capped at 21 million. Would if over time half of those are lost, doesn't it need to be replaced in the circulating availability. So many questions about bitcoin, only the market will determine the true value and usability. \n\n Perhaps it can transition if it becomes massive or use a different crypto to solve these types of problems. The market is an amazing thing, let's see if bitcoin and cryptos are the real deal.",
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      "body": "Congratulations @mcdermpt! You have received a personal award!\n\n[![](https://steemitimages.com/70x70/http://steemitboard.com/@mcdermpt/birthday1.png)](http://steemitboard.com/@mcdermpt)  Happy Birthday - 1 Year on Steemit Happy Birthday - 1 Year on Steemit\nClick on the badge to view your own Board of Honor on SteemitBoard.\n\nFor more information about this award, click [here](https://steemit.com/steemitboard/@steemitboard/steemitboard-update-8-happy-birthday)\n> By upvoting this notification, you can help all Steemit users. Learn how [here](https://steemit.com/steemitboard/@steemitboard/http-i-cubeupload-com-7ciqeo-png)!",
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      "body": "(I wrote this guide some time ago, but figured I would post it here on Steemit) \n\nAnnihilate Student Debt\n\nBy \n\nPatrick the Proletariat\n\nOVERVIEW \nThe problem of student debt is enormous. As of June 2017 student debt totals 1.4 trillion USD. That’s embarrassing. Our wise overlords have set up a terrible system. Per borrower, the average debt straight out of college is 32,000 dollars. Quite a staggering number, especially for early career individuals. Well, this isn’t a book to talk about the systemic issues, but rather to help you get of your portion of that debt. Speaking about your portion, hopefully you’re on the lower side of that figure above. If not, prepare for a long battle ahead. That is a pretty daunting number. Gross. This plan will work for any amount of zeroes you have on your total student debt. The following are tangible steps and ideas that will help you pay off your debt faster than you ever dreamed. Most dreams about student debt are called nightmares. Stop having nightmares. \n\nWhy trust me? Just a schmuck looking to make a buck by telling others how to handle their money? I'd be happy to make peanuts from this guide, but to build the trust factor I personally paid off 15,000 dollars of debt 15 years faster than what was projected. If I made the minimum payments, I’d be paying them up until my own children went off to college. Paying the minimum is like showing up to a competition and getting ready to lose, you should be getting ready to win and pay your maximum, not your minimum. I don’t think you want to give your minimum, you want to give your maximum. This book will allow you to structure your finances to give your maximum. No, it’s not a budget, budgets are lame and don’t work. These are ideas you can implement today, that will make headways tomorrow. Some of the ideas used here may seem quirky and out of the box, but they really worked for me. KAKA! \n\n![imgres.jpg](https://steemitimages.com/DQmT4SeJvTb1kLrTgNj9RZQrpsuifZYNrCV7D61PmZJzLeS/imgres.jpg)\n\nFREE CHECKING ACCOUNT \nYou need to open a free checking account. This will be for the sole-purpose of paying off your debt. It’s as simple as that. Open a free checking account, put money in, and then make payments to your overlords. This helped me tremendously in paying off my student debts. I knew that I could count on that bank account to make payments anytime I felt like it. The checking account you have open right now is used for your everyday purchases. Student loans are not everyday purchases. You need to separate the two. This isn’t negotiable, open a free checking account today. It’s so easy in this fast paced instant gratification world, you can actually open accounts without meeting someone face to face. Awesome! Make sure the checking account is free. If not, walk away. \n\n![images.jpg](https://steemitimages.com/DQme4j4iDGyZJCiSrWiww6k9ap92LrUBL1cTa4fFHvUrE5f/images.jpg)\n\nDEBT PAYOFF STRATEGY \nYou’ve got to have a strategy. You’re not going to just decide to do a better job at paying off your student loans and be done with it. Ideas need actions, and your actions need a strategy. The squints will chuckle at the strategy that I used. They’ll tell you to pay off the debt with the highest interest first. “Because dweeb, that will cut your interest payments and you will owe less moolah in the long run.” they’ll say. Well, to be perfectly frank they are right, but personally in my experience, they are wrong. Wrong because it is not a practical strategy. You are not a math robot. You are a human. Humans need confidence. Paying off a huge debt with a high interest rate will take so long you may get distracted and uninterested. That strategy may take years, even decades. You need to pay off your debt that has the SMALLEST outstanding debt on it. What's more practical? A goal that is 7 years out, or 3 months? You know the answer. \n\nDepending on your student loans, you will probably have to pay some type of minimum on ALL of your outstanding debts. So your starting point is paying the minimum on all of your debts. You will get a penalty if you don’t pay a minimum and your outstanding loan amount will surely increase due to interest. You should use the following strategy. \n\nLet’s say you have the following debts: \n$1,223\n$876\n$3,986\n$6,760 \nYou should pay off the $876 off first. Yep, the smallest debt should be tackled first! Regardless of the interest rate. Likely they are around the same interest rate anyways. Now if you have something that is triple in interest rate, say 9% vs. 3% then maybe you should pay that off first, but most likely interest rates will be roughly the same. At least that was my experience. If your interest rates are similar to each other, I don’t want you paying any attention to them. \n\nWhen you pay off that smallest debt, you get confidence, and whatever debt you paid off you can use that payment to pay off the next one. In the example above, after you pay off that $867 in debt, you can isolate the next lowest number ($1,223) and destroy it. It is that snowball into avalanche approach. Pay the minimum on all debts but pinpoint a certain debt with all of your extra payments. Don't divide your payments towards all of your loans, you need to isolate one of them. All the extra cash you get, isolate that debt and annihilate it. At first your payments are spread out with a focus on a small debt, but they will gradually evolve into targeting the last payment standing. It’s a good strategy that I employed. It makes sense and is easy to carry out. \n\nOnce again, the strategy goes like this: make minimum payments on all your student loans and choose one to isolate and destroy. Using all the strategies I will talk about, put all of your money into that one isolated student loan debt and destroy it as quickly as possible. Now, once you have destroyed that debt, you can move on to your next target with even more ammunition. You have more ammunition because you have eliminated a minimum payment, this happened when you paid off your smallest debt.  That is why you start with the smallest first, so that you gain momentum. Mathematically it may make a trivial difference, but psychologically, it is massive. Go for it, connect four! \n\nPOWER-MOVE ***\n\n![imgres.png](https://steemitimages.com/DQmNc3QxoMhhvi3V9ox9cepKqxGR5x8Ng6771mbfzMedgGh/imgres.png)\n\nMAXIMUM NOT MINIMUM PAYMENT\nMinimum payments are for losers. You don’t want to be a loser, so don’t make the minimum payment. Seriously, get angry at your student loans. They are dragging you down, you’re a captive to them. Get serious about them and start making far more than the puny minimum payment. Little knowledge for you, do you know why the bankers make the default the minimum payment? Ever wonder why bankers push 30 year mortgages? It’s because the slower you pay something off with interest the MORE money they STEAL from you. So flip that on them. Throw that UNO reverse card. Pay off that debt as fast as you can to pay as little interest as you can. Think of interest as taking jabs to the face in a boxing match. Stop taking those jabs. Start jabbing back by making payments however, wherever, and whenever you can.\n\nSo now that you are all psyched up, let’s talk about what your payments should be. This of course depends on your total student loan debt. For me, my payments were triple, and I think that is a good starting point. You will need to make sacrifices. So what, do it now, or slowly bleed to death over time. Rip that Band-Aid off and stop being such a *****. I’m curious what word you used. There are many fun ones out there. Listen, go to your student loan overlord account, total all of your minimum payments and triple that number. Think of that number depleting from your bank account every month. Ask yourself one question. Will you die? If the answer is no, go for it. If the answer is yes, please do not go for it. Seriously people, paying off your student loan debt is for your peace of mind, don’t go sacrificing too much. \n\nCan’t afford triple? Then you need to double. Work yourself down or up, until your slightly uncomfortable with that number. Do it for a couple of months and reflect. Perhaps you can’t afford to gorge on Italian food, so what. Eggs, tuna, bread, grains, water, milk, delicious sports drinks, bananas, will keep you alive and somewhat healthy. You don’t need to spend $65 on dinner and drinks. It’s just not worth it. That $65 dollars can be used to spend on student loan debt. And really that $65 dollars with interest is more like $70 or more. \n\nIf your minimum payments total $250, I want you paying $750. Can’t afford that? Work yourself down to a number that you can still accomplish. Be aggressive in this space. You will make the necessary behavioral changes after a couple of months making a maximum payment. It will be easier than you think. Think about your wallet, because those loan sharks already have it. You need to rid yourself from them. You are in an abusive relationship. You need to do certain things to be free. You can have those dinners post student debt. You know what the 3 student loan agencies told me when I paid them off after years of blood, sweat, and tears? Nothing. No thanks, no good job, no nothing. Because you are their asset. You are free money to them. That is not okay. You are not free money, you own yourself, no agency or whoever you owe money to owns you. Get rid of your student loan debt, get rid of them, get back yourself. Make Huge Payments. \n\nPOWER-MOVE *****\n\n![imgres-1.jpg](https://steemitimages.com/DQmQPUg6LJF9ZVjQ9utgbz5EHaksbyV6aXecPMc7sxTPsX1/imgres-1.jpg)\n\nHOARD CASH\nOne of the better tricks I learned while paying off my student loans was hoarding cash. What do I mean by hoarding cash? It means holding on to paper bills, you rube. Can’t believe you would even ask that question. Getting hands on cash is not quite as hard as you might think. Need to buy dinner at a restaurant with friends? Then offer to pay with your credit card and take the cash from the rest of your party. Yes yes yes, I know this will run up your credit card. And of course you have to pay off your credit card every month to dodge the interest demons. Only purchase what you know you can pay off. That is a must. But now you have accomplished two things by hoarding cash and paying with your credit card. \n\nThe first is that you have just made a credit card payment to pay off your student loans. The reason why this is important is because student loan agencies do not typically allow you to use your credit card to pay off student loans. It’s one of those regulations that our wise overlords have placed on us. The hoarding cash method, does allow you to do this. I had a deal with my friend that he would give me cash for something that he wanted to buy online, and I used my credit card for him interest free. It worked beautifully. Now you might guess the 2nd reason to use your credit card if you’re slightly intelligent. If not, I’ll tell you. The 2nd reason is that you get cash back or kickbacks to your credit card. \n\nMost credit cards use points or something and after you accrue a solid amount of them, you can cash them in. Now remember, you want to cash these points in to your student loan checking account. You could wait until you accrue hundreds of dollars to make a splash payment, but I personally preferred to use that payment the second it cleared in the bank account. (Clearing times really piss me off). Okay now that you have hoarded the cash, you’re obviously going to deposit the cash into your student loan checking account. \n\nToday depositing cash couldn’t be easier, most ATMs allow you to do this with your debit card. And again no lame banker to talk to. Let’s look at the following example to realize how awesome this strategy is. You might be thinking that this is just a parlor trick that makes you appear to have money, but really it isn’t and it is more psychological. The key is that you have created cash by using your credit card. I would use a credit card that gets you the most percentage back on various purchases ranging from restaurants to gasoline. Anyways, here is the example: you go to the movies with a friend or two (assuming you have a friend or two) and each ticket is 12 dollars. Instead of separately buying, offer to pay if they have cash. With two people, you have received 24 dollars cash. You will deposit this into your bank account, therefore, making a twisted credit card payment of $24 towards your student loans. Good move. But wait, you’ve done something better. You have TRIPLED your cash back bonuses on your credit card payment. If you were to pay for yourself it would be $12, but you paid for your friends and that is now $36. On your credit card that gets a kickback. Compound this strategy hundreds of times and believe me, you are going to make some nice dents into your student loan debt. \n\nAnother hoarding cash move is to simply withdraw from your original checking account and deposit into your student loan checking account. You might be thinking that this is possibly the worst advice you have ever received and are questioning the reason you are reading this guide. Well, you may be right, but let me explain something to you. Your checking account is used to make everyday purchases, and your student loan checking account is to pay off your student loans. Keep the two separated. Life will be easier. You need to think of terms of feeding the beast. No not your stomach but your student loan checking account. Your new checking account is the beast to pay off your loans. You need to feed that beast. \n\nThis is the type of mentality you need in order to get serious. FEED THE BEAST. I had to take out about 280 dollars every week to pay for daycare. I took out an additional 20 dollars every week and deposited it into the other student loan checking account. I FED THE BEAST. This adds up over time and can make a huge dent into paying off your student loan. 52 weeks times $20 is $1,040 a year. Pretty simple strategy to make a student loan payment. \n\nOne last thing about depositing the cash into your checking account. Make sure that you have a student loan checking account that can accept cash into their ATM as a deposit. And even more convenient is a drive-up ATM that accepts cash as a deposit. The thing about cash is that you are apt to spend it at any time. The quicker and easier it is to FEED THE BEAST the better! Oh, and not dealing with those shenanigan bankers is also awesome. \n\nPOWER-MOVE ****\n\n![imgres-1.png](https://steemitimages.com/DQmeL8p3DQmPptYoGf9gUro51EHhySMyfbGbXpQahLdd6aK/imgres-1.png)\n\nEBAY\nThis is self-explanatory, but let’s dig a little deeper. While everyone knows they can resell the junk they have laying around their house for cash, most people forget to use EBAY. OR they are lazy. EBAY is more work than you think, especially the shipping, oh god the shipping. Some easy things to sell on EBAY that I have sold: technology, sports memorabilia, flipping video games, gifts, Hahaha gifts, they’ll never know. You are not going to get full value because people buy on EBAY under retail price, and secondly EBAY gets around a 10% cut. With all the negatives, EBAY still helped me make a couple of dents into my student loan debt. Set up your EBAY so that it goes to your Paypal. Then you take your Paypal and link it up to your student loan checking account. Paypal is free to transfer and is rather quick. \n\nYou might want to read a quick how-to guide on selling on EBAY. It’s not that easy, but it isn’t that hard. Notice earlier when I mentioned flipping video games. Well, this is a personal area of knowledge for me, you might have knowledge about certain products that you could flip. Music, events, sports, giveaways, collectibles, etc. are things that you could turn a profit on. People flip items for pleasure but you’re going to flip items for the purpose of flipping your student loans to zero. From zero to hero. \n\nPOWER-MOVE ** \n\n![imgres-3.jpg](https://steemitimages.com/DQmY48gbUHNKR1H3LpCd9PPWPpxmMBPRq3DSsdQXeDno3ss/imgres-3.jpg)\n\nGET A 2nd JOB YOU LAZY BUM\nEasier said than done, right. I had plenty of odd-jobs during my tenure of paying off my student loans. I had some jobs that paid 10 dollars an hour and some that were commission based. Of course you want a high paying or high yielding second gig, but most importantly is what you do with that money. Yep, you guessed it, act like it is NOT yours. Do not spend it on luxuries, do not spend it on goods, do not spend it on saving for that weekend getaway that is overpriced, and DO NOT pass go. Do one thing with it and make it become automatic. Link it up with your student loan checking account and basically don’t even think about using it for anything than other than putting a dent into your student loans. That reminds me, your tax returns, yeah put as much as you can towards your student loans and FORGET ABOUT IT. \n\nRemember, you don’t live a luxurious life. Your plan is to live a student debt free life. 2nd jobs come and go. Perhaps it’s under the table for a friend or family, who cares. Just use all of your extra job money to go towards your student loans. Just google 2nd jobs and you’ll have at least an idea of what you can do. Remember the key is to link it up with your student debt checking account so that you are not tempted to spend it on frivolous things like clothes. I know this isn’t a unique idea, but if your serious about paying off those loans you need to get serious about your approach. Having a 2nd job for the sole-purpose of paying off your loans isn’t what you went to college for, but you know what, you didn’t go to college to get entangled in bad relationships, but hey it happened. Move on. Put some actions into place now so that you can close that chapter of your life. Like Nike says, Just Do It. \n\nPOWER-MOVE ***\n\nSTUDENT DEBT REFINANCING AND FORGIVENESS\nI did not use either of these strategies because I simply did not qualify. You need to look into these. Refinancing can simplify things for you. For me, it was difficult bouncing around 3 agencies to pay off. It would be nice and will be nice for you to have one spot to go to online to make your payments. Of course you still need to follow my strategy of paying off your lowest amount first. Pay it, delete it, forget about it. You also have to get familiar with your student loan accounts. Become comfortable with the platform and understand how to target specific debts. If you need help, they should have customer service capabilities with all that money they are earning from student debt. Take advantage and get answers. Make a $1 payment if need be to understand how it works. \n\nLoan forgiveness is offered for some employment opportunities. The people offering these, will probably just foot the bill to some other fool (taxpayers) down the road, but I don’t think you should have any moral qualm about looking into this. You are only partly to blame for your huge amount of student debt, the powers at be have not made getting a license or jobs easy in the 21st century. Oh boy, I think I might go full political, but this is not about politics, it’s about getting the **** out of debt. Let’s keep it clean, Nancy. \n\n*UPDATE - Be careful who you believe. Just recently there has been growing concerns over some jobs (Teachers in poor areas) that have been offered debt elimination. I won't go into specifics, just understand that things can go sideways if you are \"banking\" on somebody else to pay off your remaining student loans. Don't fully trust any promises. \n\nPOWER-MOVE **\n\n![imgres-2.jpg](https://steemitimages.com/DQmXAv4XZNCC9oDhn3nkdQJSFFc4NbGiprnbe3PgjQmFMby/imgres-2.jpg)\n\nGAMBLING AND THE STOCK MARKET\nYep, you read that right. Listen, if you can’t stomach making a bet, then just stay away. If you can, do your homework, make a couple of bucks with the little money you have, then GET OUT. Return your bet money to your student loan banking account and make another dent into your loans. Listen, this is most likely a coin flip unless you have some knowledge about betting, stocks, or something else that is left up to chance. There are plenty of apps that allow you to make micro-fraction deposits. You also might be the type of person to play poker or make bets with your friends. I’m not saying this is the wisest way to make some more money on the side, but I’d be lying to you if I said that this was not one of the ways that helped me pay off my debt. \n\nPOWER-MOVE *\n\nIN CONCLUSION\nNow you have a strategy to rid yourself of student loans. Keep at it, stay with it, and power through. Think about all that extra play money you will have once you accomplish getting that monkey off of your back. Once I implemented my plan it took me about 3 years to accomplish. I got serious about it. You need to get serious about it too. The loans are affecting your life, they are not to be taken lightly. They may be preventing you from: purchasing a house, a car, going on vacations, having children, going out to eat, going to concerts, having fun with your friends, and drinking quality beer :) Those are things you could be missing out on. These loans are not a game; you need to eliminate them from your life. Your only partly to blame for getting in this mess, but you are fully responsible for getting whatever number you have to ZERO. Once you get to ZERO, you will feel like a HERO. \n\nThe 2 things that I would do to get started today are opening a free checking account and writing down, either by hand or digitally, all of your student loan debt. Perhaps you can consolidate, but if not, write your smallest debt first all the way to your largest debt. One last thing, Don’t pay anybody to help you pay off your student loan debt. It’s not that tricky to set up a plan. They are simply taking your money to tell you how to spend your money, this guide is cheap or even free, they are not. Use the guide, get creative, and get aggressive. \n\nIn Super Conclusion here are the steps: Open a free checking account > small debt strategy > maximum payments > hoard cash > Ebay/gambling/2nd job > feed the beast > get rid of your student loans and be free :)\n\nGood Luck!\n\n![U5dqsbGfjLTaUfkAefbg6oZGb4UcwXN_1680x8400.jpg](https://steemitimages.com/DQmeHA7ZoDqQpuNvBJWxrBm1ZDEsJpGY2qvT5ARcADf4N1t/U5dqsbGfjLTaUfkAefbg6oZGb4UcwXN_1680x8400.jpg)",
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