This Week in Fintech 7th February 2020

This Week in Fintech 7th February 2020

click photo for more information
This Week in Fintech 7th February 2020
1
36

Comments

Write a comment

Small Business Fintech is levelling the playing field with big business over cost of capital

click photo for more information
Small Business Fintech is levelling the playing field with big business over cost of capital
[...]
2
9

`NonTransparent ETFs` one step forward and two steps backward

click photo for more information
`NonTransparent ETFs` one step forward and two steps backward
[...]
1
28

Bitcoin price surges. Is Coronavirus behind it?

click photo for more information
Bitcoin price surges. Is Coronavirus behind it?
[...]
3
30

Life update: Pregnancy (week 29) + our brand-new hedgehog!

click photo for more information
Life update: Pregnancy (week 29) + our brand-new hedgehog!
29 weeks!! And what a week it’s been! Highlights Well, this week has definitely been different than what I anticipated! Silas woke up with a high fever on Tuesday morning and all three kids ended up coming down with Flu B over the next two days. So we’ve been quarantined at home all week and Jesse has been playing round-the-clock nurse to all three kids. He’s been a saint and it’s been so hard for me to not be able to help do much to take care of the kids (it’s dangerous for a pregnant woman to get the flu). The kids have never all been this sick at the same time, but they’ve been such troopers. Jesse has them on this regimen of elderberry, vitamins, homeopathics, and baking soda baths + lots of fluids/rest + Tylenol/Motrin every time their fever spikes. They’ve all had such good attitudes despite being miserable. We’re so hopeful that they only have a few more days of fevers before this runs its course. So none of that was about highlights or pregnancy, but it’s where we are at this week. That said, the highlight has been that I only got a touch of a fever and between rest, fluids, and elderberry, I seem to be dodging the flu bullet so far. And also, I am SO grateful that Jesse has stayed well! Notable The baby has had the hiccups multiple times this week. I kept waiting for it to happen because I remember all my other babies often having them! Also, the movements are getting more pronounced and it seems like there’s constantly some baby body part poking out underneath my skin. It has made it that much more real and helped me connect with this child even moreso. Cravings Um, should I admit that almost all I’ve been craving is cheeseburgers?? I have no idea where *that* came from, but Jesse ran to Burger King last night because the cravings were getting pretty ridiculous and for some reason I really wanted a Burger King cheeseburger. Here’s the crazy thing: I don’t even know if I’ve ever had one before. I can’t even remember ever going to BK in the last decade, but man, the cheeseburgers (yes, I ate two!) tasted SO good!! Weight gain: 21 pounds Meet the newest member of the Paine family – Theodore Quiller. (AKA Theo.) We’ve taken at least 90 videos/pictures of him since we got him and he’s so active that he was basically a blur in most of them. So this was the best we got! We already love him so much and are excited to have another hedgehog again! (Theo’s middle name is in honor of Quill, our first hedgehog who died in December from Wobbly Hedgehog Disease.) [...]
1
6

The Digital Wallets of the Future: Money and Identity

click photo for more information
The Digital Wallets of the Future: Money and Identity
Cryptocurrency wallets have been closely linked to other transactional services. A digital wallet refers to an electronic device or online service that allows someone to make electronic transactions. Usually they are bundled with other services, like exchanges (Coinbase, Binance), physical devices (Trezor, Ledger), or other services (Casa). What if cryptocurrency wallets weren’t just about storing digital assets, but were about identity, serving as a single passport to both the physical and digital world? Ilias Louis Hatzis is the Founder at Mercato Blockchain Corporation AG and a weekly columnist at DailyFintech.com. In the cryptocurrency world, wallets act as a gateway to access a service. A crypto wallet, unlike a physical wallet, a custodial or exchange wallet, or bank account, doesn’t control currency. It moves money between two parties, similar to services like Paypal.   Cryptocurrency wallets let people connect to services to buy and sell cryptocurrencies. They also act a way to store the user’s cryptographic private key, needed to perform these transactions. In essence, your cryptocurrency wallet holds the private keys to your assets sitting on a blockchain and lets you transact by “signing” orders. Crypto wallets have become very popular in recent years. Over 36 million crypto wallets have been created since 2012.   Also a study from Juniper Research found that the number of people using digital wallets will increase from 2.3 billion to nearly 4 billion, or 50% of the world’s population, by 2024. This in turn will push wallet transaction values up by more than 80% to more than $9 trillion per annum. Usually, when users signup to use a cryptocurrency wallet, they validate their identities, before being able to transact. If you live in the US, you were most likely asked to provide your social security number and license or equivalent if you’re outside the US. Depending on other factors, the cryptocurrency wallet provider may have also ask for more information in alignment with KYC regulation. The world’s economy is built by institutions that collect our data, such as banks, telecoms, insurance companies, brokers, drug companies, governments, online services and others. Every year, hackers steal billions of dollars worth of data. Our data, not just the data we give voluntarily but also data collected as we interact with the services we use, is harvested and processed by few huge centralized companies and organizations. Our data is trapped inside accounts on services and apps. Companies like Google, Facebook, Amazon Microsoft,, LinkedIn, Experian, and Visa, all exist collect and monetize our data. The need to decentralized our data is an absolute necessity. As we move from accounts to wallets, we will be able to manage our data, just like we manage Bitcoin, Ethereum and other digital assets, being able to switch between vendors easily and freely. Wallets will evolve beyond the simple function of buying and selling digital assets. Our wallets will become our primary identity authentication platform, that will contain everything we carry in our physical wallets and more. A wallet in the physical world contains multiple pieces of your identity. Imagine your passport, drivers license, medical card, and other types of IDs being replaced by a single digital wallet on your phone. A driver’s license can is used to prove your ability to drive, to buy alcoholic drinks or accessing identity-specific services like opening a new bank account. Most of us have debit cards that allow us to access funds from our bank accounts and use them wherever we want to buy things, with our pin that validates our identity to merchants. Our wallets will be able to store everything related to our identities along with cryptocurrencies and tokenized assets (stocks, bonds, etc). Since crypto wallets already validate our identity, they could act as a third party references of our identity for others. One of the biggest pain points is that every we sign up for a service we need to verify our identities, uploading passports or other documents. It’s not far-fetched to think that companies might be willing to accept a trusted wallet verification, instead of conducting their own independent checks. The internet was not built to transfer value. It was built to transfer information which didn’t need as much security, as value does. Today, blockchain technology allows us to store and keep our data and assets in our own secure wallets, with absolute control over how and when they’re used. Being in full control of your own identity and assets in a decentralized way makes a lot of sense. The future wallet will be an interface to protocols and services, and will represent our professional financial status, and personal identity. Wallets will change from something we use sometimes, when we want to buy and sell things, to something we use all the time. Our digital wallets will become the single most important place, where we store everything, from our money, to our identity. Image Source Subscribe by email to join the other Fintech leaders who read our research daily to stay ahead of the curve. Check out our advisory services (how we pay for this free original research) The post The Digital Wallets of the Future: Money and Identity appeared first on Daily Fintech. [...]
1
7

Security Token news for Week ending 14 February 2020

click photo for more information
Security Token news for Week ending 14 February 2020
[...]
1
23

This Week in Fintech ending 14 February 2020

click photo for more information
This Week in Fintech ending 14 February 2020
[...]
1
12

2 Books I Read Last Week, 1 Book I Didn’t Finish (+ the classic movie we watched)

click photo for more information
2 Books I Read Last Week, 1 Book I Didn’t Finish (+ the classic movie we watched)
This post may contain affiliate links. Read my disclosure policy here. Welcome to my weekly book update post where I share what books I read this past week + my honest thoughts and star ratings of them. A Word on My Star Ratings The star ratings I give the books I read are based on a 5-star rating system. I rarely will ever give a book a 1-star rating (maybe never?), because my philosophy is that if a book is only worthy of one star, I’m more than likely going to quit reading it. 🙂 In the same vein, you’ll also notice that I’ll rarely give a 5-star rating as I reserve those for only my very, very favorite books. Want to see all of the books I’ve read so far this year? Check out my Good Reads page. Here are the two books I finished last week… The Path Between Us: An Enneagram Journey to Healthy Relationships If you enjoy all things Enneagram, I definitely recommend this book. It’s an in-depth at each number on the Enneagram and how that number relates and differs with other numbers. I found it insightful, enlightening, and just downright interesting. And while I’d studied a lot about the Enneagram, I learned quite a few new things — especially when it comes to how to better relate with other numbers, communicate with them, and help them to feel seen and valued. It also definitely, definitely confirmed what I already knew to be true: I’m an Enneagram 8 through and through! Also, it sparked some great conversations between Jesse and me about how we interact, how certain things I do can make him want to shut down (he’s a 5), and how we’ve both grown so much healthier as people in the last 10 years. The only thing I will mention is that if you’re new to the Enneagram, I wouldn’t recommend starting with this book. Instead, I’d start with a book like, The Road Back to You. Verdict: 4 stars Building a Story Brand: Clarify Your Message I’ve been to one of Donald Miller’s Story Brand workshops before and it made an indelible mark on how I approach marketing and communication with customers in our business. This book was a good refresher to listen to. If you are a blogger, a business owner, an online entrepreneur, or have any say in the marketing or oversight of the company you work for, I would highly recommend this book. It will likely challenge the way you think when it comes to marketing and change the way you approach doing business. The best part is that this book gives you a really clear-cut action plan and walks you step-by-step through out to implement it. So you don’t just read about the great ideas; you actually know how to put them into practice in your business! Two things I did want to mention: 1) I think this book would be better to read a physical copy of than to listen to as it’s more hands-on and has projects for each chapter. 2) I was a little turned off by the multiple promotions for Story Brand products and services. I understand that the goal was likely to get people to want to invest into some of the higher priced products that Story Brand offers, but I found it to be a turn-off — and it almost merited me bumping the rating of the book down to 3 stars. Verdict: 4 stars Book I Didn’t Finish The Atomic City Girls — Unfortunately, this book was a big disappointment to me. I had high hopes for it, but within an hour or so of listening, I quickly discovered it seemed more focused on the romantic story and details of that than the actual historical details of Oak Ridge. Yes, there were some historical details, but the book continued to sound more and more like a soap opera or tabloid and started going into details about the character’s loves lives that felt too edgy/raunchy for me… so I ended up quitting it. Does anyone have a book to recommend about Oak Ridge that is interesting but also much more historically rich? Classic Movie We Watched Last Week The kids decided — all on their own — that they want to start watching one old classic movie per week together as a family in 2020. They are helping me choose the list of movies and I’ll be reporting here what we watch each week and their thoughts on it. I plan to do a big classic movie round-up post at the end of the year with their verdict on the best and favorites of the ones we watched. (Thank you for all the great suggestions for must-watch classic movies!) Last week, we watched the 1950’s Disney version of Treasure Island. Both girls had read this book in school, so they found that made the movie more interesting. It was a little slow and long (even though it was only 1 hour and 35 minutes, it felt long), but overall we mostly enjoyed it. I will say it’s probably been one of our least favorite classic movies so far. What did you read this past week? Any books you think I really need to add to my long to-read list?? [...]
1
20

Pulling back the curtain to shine light on ‘scary’ insurance phrases

click photo for more information
Pulling back the curtain to shine light on ‘scary’ insurance phrases
[...]
1
40

Australian Fintech Assembly Payments Lands JV with Standard Chartered Bank

click photo for more information
Australian Fintech Assembly Payments Lands JV with Standard Chartered Bank
[...]
1
49

My 9 Goals For This Week

click photo for more information
My 9 Goals For This Week
(All dressed up for Silent Disco Night at camp!) I could look at last week’s goals list and be discouraged at how little it feels like I crossed off. But then, I look at all that actually happened last week and I can remember that maybe it doesn’t look like I got a lot done, but I focused on people versus projects and being present versus being productive… and I realize that it was a really good week. Last week’s goals: Personal Goals 1. Get in 54,000 steps total. (I use the FitBit Ulta HR to track my steps every day.)  2. Finish reading The Path Between Us and Counterfeit Gods. Listen to The Atomic City Girls. (I decided to stop listening to this book because it wasn’t what I thought it was going to be. More details on that on my book review post this week.) Home/Family Goals 3. Read 40 more pages of Carry a Big Stick aloud as a family. (I only ended up reading aloud once and we made it through 10 pages. Hey, that’s something, right?) Work/Blog Goals 4. Finish editing chapters 1-3 and finish the rough draft of chapter 4 of my manuscript.(I only got a chance to work on the book a few times last week between my friend’s funeral and being out of town helping at Youth Group camp all weekend. Here’s to hoping I make more progress this week!) 5. Run a book giveaway on Instagram with some books I’ve already read. Word of the Year Goals 6. Pop popcorn and watch another classic movie as a family. (We watched Treasure Island. Review coming later this week!) We have what looks to be a calmer week this week. We are actually home three evenings out of seven — I can’t remember the last time that has happened! And we don’t have any big things happening this week… well, anything that I know of yet! 🙂 So I’m planning 9 goals and we’ll see how it goes! 2020: Week 6 — Goals Personal Goals 1. Get in 54,000 steps total. (I use the FitBit Ulta HR to track my steps every day.)  2. Finish reading Counterfeit Gods. Listen to Eat That Frog! and Peaceful Parent, Happy Kids. 3. Go to bed by 10:30 p.m. Monday, Tuesday, Wednesday, Thursday, and Friday. Home/Family Goals 4. Read 30 more pages of Carry a Big Stick aloud as a family. 5. Research strollers, baby carriers, and car seats. Decide what we’re going to purchase. 6. Complete 4-hour Foster Care Training. Work/Blog Goals 7. Finish editing chapters 1-3 and finish the rough draft of chapter 4 of my manuscript. Word of the Year Goals 8. Pop popcorn and watch another classic movie as a family. 9. Go to a movie with Jesse. What are YOUR goals for this week? How did you do on last week’s goals? Tell us in the comments! [...]
2
34

12 Things That Are Cheaper in 2020

click photo for more information
12 Things That Are Cheaper in 2020
Dean Drobot / Shutterstock.com What goes up must come down, right? For some prices, yes. Money Talks News analyzed the Bureau of Labor Statistics’ latest Consumer Price Index data, which is for December 2019, to find out which things actually cost less going into 2020 than they did one year prior. Overall, the price of all things overall rose by 2.3% over the course of 2019... [...]
1
31

Security Token news for Week ending 7 February 2020

click photo for more information
Security Token news for Week ending 7 February 2020
[...]
1
28

Afternoon Deals: Saturday, February 8

click photo for more information
Afternoon Deals: Saturday, February 8
Every morning and afternoon we publish a list of the latest and best deals from our partner, DealNews. To learn more about the discounts and details, click on any of the deals for more information. To have this list, along with our latest news and stories, delivered daily to your inbox, sign up for our free newsletter. For links to deals as they’re published, follow @mtndeals on Twitter. [...]
1
29

3 Books I Read Last Week + 1 Classic Movie Watched Watched

click photo for more information
3 Books I Read Last Week + 1 Classic Movie Watched Watched
Welcome to my weekly book update post where I share what books I read this past week + my honest thoughts and star ratings of them. A Word on My Star Ratings The star ratings I give the books I read are based on a 5-star rating system. I rarely will ever give a book a 1-star rating (maybe never?), because my philosophy is that if a book is only worthy of one star, I’m more than likely going to quit reading it. 🙂 In the same vein, you’ll also notice that I’ll rarely give a 5-star rating as I reserve those for only my very, very favorite books. Want to see all of the books I’ve read so far this year? Check out my Good Reads page. The Year of Less Full disclosure, I’d never heard of this book until I happened to see it on Libby. The subtitle (How I Stopped Shopping, Gave Away My Belongings, and Discovered Life Is Worth More Than Anything You Can Buy in a Store) intrigued me so I downloaded it. I almost turned it off during the first few chapters, but I’m actually happy I went ahead and finished listening to it. Why? Because the author is so different than me and it was truly insightful to help me understand more what it’s like to be a spender or to have an addiction to shopping/spending. (I could not relate to most of any of her struggles, but it really gave me such a helpful look into what it’s like to feel such a need to shop/spend money.) The book shares a lot of the author’s story and background, so some people might not enjoy the memoir-ish parts of it if you’re just looking for practical advice and encouragement to live with less. However, if you enjoy reading about how someone is seeking to make radical changes in their life and the resulting struggles, temptations, and triumphs, this might be a good read. Verdict: 3 stars Originals: How Non-Conformists Move the World This is a much more head-y and data-driven book that I usually enjoy. But I’m glad I listened to it because it made me think deeply about various aspects of my life. There are so many different things I could share from the book, but a few that really stood out to me were: The conversation about how birth order can affect whether you are a rebel or a conformist. The author’s insights on how procrastination can actually be a positive, helpful thing. (Yes, for real!) The section on how it’s important to produce a lot of work if you want to produce a few really great works. And the encouragement to acknowledge cynicism people would feel versus trying to pretend it doesn’t exist (this was in the context of a business pitch, but it could apply in many realms. Verdict: 3 stars Not So Perfect Mom A lot of this book was repeat material I’ve read/heard elsewhere, so I didn’t get many new insights from it. I also felt like it stayed rather surface-y in sections (which surprised me considering the author is a licensed counselor) and bordered on being a little legalistic in others. That said, I did appreciate the author’s insights on how a mother’s love can deeply affect her child in such positive ways. I also gleaned from her encouragement to really invest in your kids when they are little and how that impacts the rest of your child’s life. One of my favorite quotes was: “You cannot have lifelong, heart-connected relationship with someone if they feel like they are a failure when they are with you.” (Such a good reminder and it goes along with something I’ve been trying to practice in my parenting.) Verdict: 2 stars Classic Movie We Watched This Week The kids decided — all on their own — that they want to start watching one old classic movie per week together as a family in 2020. They are helping me choose the list of movies and I’ll be reporting here what we watch each week and their thoughts on it. I plan to do a big classic movie round-up post at the end of the year with their verdict on the best and favorites of the ones we watched. (Thank you for all the great suggestions for must-watch classic movies!) This week, we watched the original That Darn Cat movie. I had never heard of it, but a bunch of you recommended it, so I figured we’d give it a try. Now here’s the full disclosure on it: I fell asleep 20 minutes into the movie. Not because it was boring, but because I was exhausted. However, our kids + the 10-year-old girl we were fostering last week all enjoyed it. And the parts I saw had some genuinely funny moments. I want to watch the newer movie (well, after I go back and actually stay awake through the original one!), but I heard from some people that it wasn’t as good. Have you seen it? Would you recommend it? What did you read this past week? Any books you think I really need to add to my long to-read list?? [...]
1
41

Cryptocurrency religions: Will altcoins survive?

click photo for more information
Cryptocurrency religions: Will altcoins survive?
Bitcoin was the first and every other cryptocurrency came from it. Will Bitcoin survive? Will altcoins survive? This has been a heated debate with one side predicting the demise of the other. Bitcoin maximalists claim that we are heading to Bitcoin dominance and that altcoins are dying, urging the people to sell their positions in other crypto assets to put it all in Bitcoin. In a tweet last year, Charlie Lee wrote: “Some self-proclaimed Bitcoin Maximalists, are actually Bitcoin Extremists. They think all other coins are scams and will go to zero. Maximalists think Bitcoin is and will remain the dominant cryptocurrency, but there is room for altcoins to exist and even do well. What are you?” Ilias Louis Hatzis is the Founder at Mercato Blockchain Corporation AG and a weekly columnist at DailyFintech.com. Bitcoin and other cryptocurrencies have become a belief system. Faith in the value and power of cryptocurrencies is good. But just like different religions, every cryptocurrency is on its own path to the truth. On January 2019, Roger Ver, posted: Coinism is the new nationalism. pic.twitter.com/v4RP2swRre — Roger Ver (@rogerkver) January 5, 2019 Like Orthodoxy in some religions, people tend to become extreme and intolerant to any other faith and deviation from the original. In the cryptocurrency world, these people are called “maximalists”. A maximalist is a person that has extreme views and is not prepared to compromise. In his tweet Ver, a Bitcoin Cash evangelist, posted a picture of two identical sides, where “ours” has only good attributes, and “theirs” is shit. Bitcoin’s dominance is unquestionable, its market cap is 8 times bigger from Ethereum, the second cryptocurrency. Yet, there’s not one truth in the path to enlightenment. The fact is that as blockchain and cryptocurrency technology develops, we’re going to see many alternatives. As different cryptocurrencies make technology choices and trade-offs, trying to solve problems, we will see different coins occupy different niche markets. Even at the top it’s it’s going to be crowded, with at least two or three competitors in every application you can imagine. We’re not going to end up with one system that does everything. That doesn’t make sense with this technology. When you look at the evolution of cryptocurrencies, initially we had one, Bitcoin. Since we’ve seen the appearance of hundreds of coins, now thousands and in the future we will even see tens of thousands. The growth of new blockchains and tokens, doesn’t seem to be slowing down. In the last decade a thousand coins died, while close to 3,000 are still in existence. Number of cryptocurrencies You can expect to see more failures and initiatives come and go, just like we saw in the 90s dotcom market.  But this is great from a technology perspective, because it only contributes to the evolution of the industry. Keep in mind that just because there are many alternatives, it doesn’t mean that every coin listed on Coinmarketcap.com is worth looking at or even buying. In the crypto market there are no barriers that would stop someone from building something different or allow someone to build a monopoly. That’s one of the great aspects of this market, its openness. The competition to create the best cryptocurrency has sparked an evolution that led to forks, birthing new cryptocurrencies such as Bitcoin Cash, Bitcoin SV and Bitcoin Gold, to name a few. The idea that an environment of multiple competing cryptocurrencies is undesirable, is just wrong. While Bitcoin has clearly outperformed most cryptocurrencies, to expect that this will always be the case strikes me as stupid. Cryptocurrencies keep on increasing because of our desire for constant improvement. Having several thousand cryptocurrencies isn’t a bad thing. Each represents a solution to a different problem. While many are still ahead of their time, as technologies and communities mature, they will begin to disrupt industries like never before. IOTA, which uses a blockchain-like variation, is working to connect IoT devices. Using this network, your car will be able to interact with sensors and devices all around the city you live in. The “Ethereum Virtual Machine” (EVM) is capable of running smart contracts that represent financial agreements, employment contracts, and act as trusted escrow for the purchase of high value items. Even if some coins don’t stand the test of time, they will surely influence the direction of cryptocurrencies to come. We love some and hate others. Freedom offers choices and this is what cryptocurrency is all about. Image Source Subscribe by email to join the other Fintech leaders who read our research daily to stay ahead of the curve. Check out our advisory services (how we pay for this free original research) The post Cryptocurrency religions: Will altcoins survive? appeared first on Daily Fintech. [...]
1
72

My 6 Goals For This Week

click photo for more information
My 6 Goals For This Week
Psst! I’m giving away this stack of books on Instagram tomorrow morning. If you’re not following me there, you should be so you can enter to win! I didn’t accomplish a whole lot off my goals list last week, but I did accomplish a lot that mattered — investing in the kids/Jesse, investing in my local community, doing respite care for a 10-year-old girl while her foster mom was out of town, launching my 4-Week Blog Coaching Program, working on my book, making family memories, and making sure to take care of my health. So I’ll call it a win — even if it doesn’t look like it on paper. Some weeks are like that, aren’t they? 2020: Week 5 — Goals Personal Goals 1. Get in 54,000 steps total. (I use the FitBit Ulta HR to track my steps every day.)  2. Finish reading The Path Between Us and Not So Perfect Mom. Finish listening to Originals: How Non-Conformist Move the World. Home/Family Goals 3. Read 40 pages of Carry a Big Stick aloud as a family. Work/Blog Goals 4. Edit introduction through chapter 3 of my manuscript. Word of the Year Goals 5. Pop popcorn and watch another classic movie as a family. This week is another full week. We have something going on every night, we have some extra things going on during the day, and I’m headed to camp with Kaitlynn and the rest of my 8th grade girls’ group from Youth Group this weekend. I’m also noticing that I am having to slow down and rest a lot more now that I’m entering my third trimester. My energy just isn’t what it usually is and I need more sleep and naps. So, once again, I’m keeping my list short! 2020: Week 5 — Goals Personal Goals 1. Get in 54,000 steps total. (I use the FitBit Ulta HR to track my steps every day.)  2. Finish reading The Path Between Us and Counterfeit Gods. Listen to The Atomic City Girls. Home/Family Goals 3. Read 40 more pages of Carry a Big Stick aloud as a family. Work/Blog Goals 4. Finish editing chapters 1-3 and finish the rough draft of chapter 4 of my manuscript. 5. Run a book giveaway on Instagram with some books I’ve already read. Word of the Year Goals 6. Pop popcorn and watch another classic movie as a family. What are YOUR goals for this week? How did you do on last week’s goals? Tell us in the comments! [...]
3
27

Afternoon Deals: Sunday, February 2

click photo for more information
Afternoon Deals: Sunday, February 2
Every morning and afternoon we publish a list of the latest and best deals from our partner, DealNews. To learn more about the discounts and details, click on any of the deals for more information. To have this list, along with our latest news and stories, delivered daily to your inbox, sign up for our free newsletter. For links to deals as they’re published, follow @mtndeals on Twitter. [...]
1
36

Pregnancy update (week 27) + some posts you might have missed

click photo for more information
Pregnancy update (week 27) + some posts you might have missed
27 weeks! And I feel like I’m carrying really low — can you tell that here? (Aside from the pelvic pressure, I’m not complaining one bit because it means that I actually still have some space underneath my lungs!) Highlights This past week was a super full week. In addition to the usual routine of working full-time and writing my book, we had activities every night but one night, Kathrynne celebrated her 15th birthday, and we did respite care for a sweet 10-year-old girl all week whose foster mom was out of town. So I think the highlight for me was just making it through with a smile still on my face. I worked hard to prioritize rest and down time, because I need 2-4 times the amount of downtime that I usually do right now or I just end up completely exhausted. Notable I started drinking Red Raspberry Leaf tea this week, we got a crib from friends, got our pack-n-play/bassinet in the mail, and got a box of diapers. It’s really starting to get real!! My chiropractor has been such a Godsend as I’ve been having back and shoulder pain (to be expected as my belly grows larger!) and she’s helping me with different things to minimize it. This is my first pregnancy to regularly go to a chiropractor and I’m a huge fan! Cravings I’ve been eating a lot of cereal with whole milk. In fact, I usually have two bowls every morning. It hits the spot and it doesn’t give me heartburn! Weight gain: 19 pounds Random question: Do you think the 3rd trimester starts at week 27 or week 28? I feel like the internet and baby sites/trackers are very conflicted on this! Did you see what I got in my FREE Target Baby Gift Registry Bag? In case you missed it, I did an in-depth post on the 5 books I finished last week + my honest reviews. This past week, we posted what has quickly become one of our most popular podcast episodes to date. Have you listened to Secrets to a Happier Marriage yet? Just a quick reminder — registration for my 4-Week Blog Coaching Group closes on Tuesday morning. If you are a beginning or intermediate blogger who wants to take your blog to the next level, don’t miss this. [...]
1
45

This Week in Fintech 31 January

click photo for more information
This Week in Fintech 31 January
[...]
1
58

Security Token news for Week ending 31 January 2020

click photo for more information
Security Token news for Week ending 31 January 2020
[...]
1
34

5 Books I Read This Past Week (+ 1 classic movie we watched)

click photo for more information
5 Books I Read This Past Week (+ 1 classic movie we watched)
Welcome to my weekly book update post where I share what books I read this past week + my honest thoughts and star ratings of them. Okay, I’m absolutely giddy to tell you that I finished 15+ books in January. Honestly, I am pretty shocked by this number! I think some of it has to do with setting weekly goals and some of it has to do with prioritizing audiobooks again (and the fact that they no longer make me nauseous now that I’m further along in my pregnancy, reading aloud again, and switching from being on my phone (answering comments/messages) while on the treadmill to reading/praying while on the treadmill. It seems like tiny tweaks and additions have added up to big results. And this is so encouraging to me. No promises that I’ll keep up this pace for the rest of the year! However, considering how full January has been, it seems like it truly might be possible to at least keep reading 2-3 books/week most weeks. We’ll see! If you want to see what I’m currently reading or what I’ve read so far this year, you can check out my GoodReads account. A Word on My Star Ratings The star ratings I give the books I read are based on a 5-star rating system. I rarely will ever give a book a 1-star rating (maybe never?), because my philosophy is that if a book is only worthy of one star, I’m more than likely going to quit reading it. 🙂 In the same vein, you’ll also notice that I’ll rarely give a 5-star rating as I reserve those for only my very, very favorite books. Before and After I was so excited about this book as it’s the real-life stories of the children who survived the Tennessee Children’s Home Society. (If you have read or listened to Before We Were Yours, you’re familiar with that heart-breaking story.) While I think these stories need to be told and while I found some of them fascinating, the book as a whole was a let down when compared to Before We Were Yours. Maybe it’s because I was expecting more cohesiveness in the book as opposed to a lot of individual stories with only what felt like a thin plot string holding them together. If you loved Before We Were Yours, you might enjoy this book for more real-life biography/backstory for the novel. However, if you’re only going to read one of the two books, definitely read Before We Were Yours. I decided to give this book 3 stars because 2 stars felt like I was doing a disservice to the families and children and lives that were wrecked by the Tennessee Children’s Home Society. But for the writing and overall level that the book engaged me, I’d probably only give it two stars. Verdict: 3 stars 100 Ways to Love Your Husband + 100 Ways to Love Your Wife If you are looking for some practical ideas and inspiration for ways to love your spouse, these small books are a great starting place. They are filled with 100 different ideas to speak love to your spouse. Now, I’ll say that not all of these ideas will work for every couple. There are some that would most definitely not really be our “thing” at all. But there were other ideas that I hadn’t thought of before that provided some highly motivating and inspiration sparks of inspiration for ways I can practically show Jesse love. If you need more encouragement, be sure to check out this week’s podcast episode with the authors, Matt and Lisa Jacobson! Verdict: 3 stars Live Love Now I was sent a pre-release copy of this book in order to write an endorsement. Rachel Macy Stafford’s books have deeply impacted me and it was an honor to get to write an endorsement for her. Here was what I wrote: If you are the parent or grandparent of a pre-teen or teen or if you have any interaction at all with teens or tweens, you need to read this book. It is packed with powerful reminders of how our words, actions, attitudes, and availability (or lack thereof), leave indelible marks on the next generation. I was inspired, convicted, and challenged by Rachel’s gentle message of how to guide, encourage, and impact young adults to live with less stress and more joy. And I took away so many practical applications I plan to immediately implement in our home and parenting. Note: I likely would have given this more than 3 stars, but I felt like the writing was a big choppy at times and it sometimes felt more like reading a collection of essays or blog posts. However, the underlying concepts in so many of the chapters were really, really good. Verdict: 3 stars The Whole-Brain Child This was, by far, my favorite book this week. I honestly cannot stop talking about it. Poor Jesse has had to listen to me rave again and again about it all week long! 🙂 This was highly recommended to by one of our kids’ counselors and and one of their therapists in the past few years and I finally read it. It is packed with great suggestions and strategies for helping our kids process the world, relate better with others, and feel more loved and secure. It is not written from a Christian perspective, but I found the sections on brain science to be fascinating and really enlightening. If you are a parent or work with kids in any capacity, I highly recommend this book to help you better love, understand, teach, and nurture the kids in your life. Note: I would have given it 5 stars, but I disagreed with some of the points (and felt a few were not entirely Biblical) so I only gave it a 4-star rating. Verdict: 4 stars Classic Movie We Watched This Week The kids decided — all on their own — that they want to start watching one old classic movie per week together as a family in 2020. They are helping me choose the list of movies and I’ll be reporting here what we watch each week and their thoughts on it. I plan to do a big classic movie round-up post at the end of the year with their verdict on the best and favorites of the ones we watched. (Thank you for all the great suggestions for must-watch classic movies!) This week, we watched the original Cheaper by the Dozen movie. I had seen it once before but it’s been a long time! While it’s a little slow moving and ends on a sad note, it has some genuinely funny moments throughout it. By the way, the movie is loosely based upon the real-life story as told in the book by the same name. I read it years and years ago and remember liking it. Have you read it before? I was wondering if it would be worth reading to the kids or not? I can’t remember it well enough now! What did you read this past week? Any books you think I really need to add to my long to-read list?? [...]
1
26

My 5 Goals for This Week (and why I’m not setting very many goals)

click photo for more information
My 5 Goals for This Week (and why I’m not setting very many goals)
(By the way, I did, indeed, move the rug from in front of the toilet to in front of the sink. I thought that the hundreds of you who wrote in grossed out by this would be happy to hear that!) Last week was a really productive and great week. And I’m continuing to be so happy with my choice to set weekly goals instead of yearly goals in 2020. It seems like it’s keeping me a lot more accountable and making me more motivated! Here’s an update on how I did on my goals for last week… 2020: Week 4 — Goals Personal Goals 1. Get in 54,000 steps total. (I use the FitBit Ulta HR to track my steps every day.)  2. Finish reading 100 Ways to Love Your Husband, 100 Ways to Love Your Wife,The Whole-Brain Child, and Live Love Now. Finish listening to Before and After. 3. Get up at 5:30 a.m. Tuesday, Wednesday, Thursday, and Friday. 4. Go to bed by 10 p.m. Sunday, Monday, Tuesday, Wednesday, and Thursday. 5. Drink a gallon of water every day. (I almost hit this goal, but fell short a few days.) Home/Family Goals 6. Get new shower curtain, rug, and towels for upstairs bathroom. 7. Read 40 pages of Carry a Big Stick aloud as a family. 8. Get a crib and bedding. (I’m chipping away at my To Do Before Baby Comes list a little bit per week.) Work/Blog Goals 9. Finish chapter 2 and write chapter 3 of my manuscript. Word of the Year Goals 10. Pop popcorn and watch another classic movie as a family. 11. Take Kathrynne out on a date for her birthday. 12. Light candle and write notes to our Compassion children. I’m only setting 5 goals this week. We are doing respite care for another foster family this week so we’re hosting a sweet 10-year-old girl all week long, we have activities/commitments every night, Kathrynne turns 15, and I’m launching another 4-week Blog Coaching Group.  So I decided I’d be very realistic in my goal-setting for this week and not try to bite off more than I could chew! That’s the beauty of taking things week by week, isn’t it? 2020: Week 5 — Goals Personal Goals 1. Get in 54,000 steps total. (I use the FitBit Ulta HR to track my steps every day.)  2. Finish reading The Path Between Us and Not So Perfect Mom. Finish listening to Originals: How Non-Conformist Move the World. Home/Family Goals 3. Read 40 pages of Carry a Big Stick aloud as a family. Work/Blog Goals 4. Edit introduction through chapter 3 of my manuscript. Word of the Year Goals 5. Pop popcorn and watch another classic movie as a family. What are YOUR goals for this week? How did you do on last week’s goals? Tell us in the comments! [...]
3
33

From ICOs to STOs and IEOs. What is next in the evolution of crypto fundraising?

click photo for more information
From ICOs to STOs and IEOs. What is next in the evolution of crypto fundraising?
Funding is a prerequisite for any new crypto project or startup. At the dawn of the new decade, we’ve seen a decline in token sales as source of funding. Where is the capital for crypto projects going to come from? Will traditional investment vehicles, like venture capital become more significant or will we see another evolution in crypto fundraising? Ilias Louis Hatzis is the Founder at Mercato Blockchain Corporation AG and a weekly columnist at DailyFintech.com. In 2017, ICOs were the most popular cryptocurrency trend. During that year 875 projects sold $6 billion worth of their tokens. In 2018, 1253 ICOs raised $7.8 billion, but 2019 was a completely different story. In 2019, we saw the introduction of the IEO. In total, token generation events during 2019 raised $3.2 billion (ICOs raised less than $370 million). But very few IEOs last year were able to raise a decent amount capital and only on selected exchanges. The drop can all be attributed to lack of regulatory oversight, a large number of exit scams, failed projects and delayed developments, severely damaging investor sentiment around token sales. While the price of Bitcoin bounced back after the first quarter of 2019, the fate for most of the other coins, like Ethereum, EOS and Tron, was not the same. The introduction of IEOs provided an extra layer of trust and security, when compared to ICOs. An IEO is very similar to an ICO. Investors receive tokens at a discounted price, in exchange for investment. IEOs are conducted on cryptocurrency exchanges, that claim to perform strict due diligence checks, to filter out any bad actors and protect their users. At a first glance IEO figures are impressive. The launch of BitTorrent on Binance in January ended in 15 minutes with over $17 million worth of tokens sold. But only a small number of IEOs have been able to get this kind of activity. IEOs have their own share of problems and many are still skeptical. For the most part, IEOs were more secure than the conventional ICOs. While the IEO experiment showed that ICOs can be rebranded, it also showed that some of the inherent flaws couldn’t be evaded. As smaller exchanges, with more lax requirements, launched their own IEO launchpads, once again fraudulent token sales appeared With declining ICOs and IEOs, blockchain startups are looking for other ways to raise money. Even when ICOs were red hot, there was venture capital investment in crypto companies. Companies like Coinbase and Circle raised money from VCs. In 2018, VCs invested around $3 billion in crypto and blockchain-related startups, around 40% of what was raised by ICOs. In 2019, venture capital investment took a step back. By the middle of 2019, VC funding in cryptocurrency startups accounted for USD 822 million. Security Token Offerings (STOs) have emerged as an alternative. While launching an STO is a complicated process, in 2019 they gained more traction and capital, with 64 STOs, collectively raising almost $1 billion. STOs were born out of the need to raise money in a more regulated way, while keeping the flexibility that tokenized assets offer. Only a few platforms are licensed to host STOs, but a huge surge in interest has led many to seek licenses. Because of this, 2020 will likely bring a new wave of STOs, though these will mostly only be offered to accredited investors, while a regulatory framework evolves. We are also seeing another trend, the Initial DEX offering (IDO). Very similar to IEOs, IDOs are conducted on decentralized exchanges, instead of centralized exchanges used IEOs. Last year, Raven Protocol (RAVEN) conducted an IDO on Binance’s DEX. But for now decentralized exchanges still need to mature in terms of users and volume. For example, Binance’s DEX has a daily trading volume that is under $2 million. When ICOs first came out, I thought they were revolutionary. The IEO model fixed some of the flaws that plagued ICOs and gave developers an effective and faster way to get to market. Even though IEOs started early last year with some fireworks, they did not completely resolve the trust issues, so the investor enthusiasm quickly fizzled out. To make investors feel comfortable again, we need more than ease and accessibility, that ICOs and IEOs offer. We also need to offer IPO-grade regulation and compliance. But most startups are not able to do that. So what’s the middle ground? Well, maybe the solution is STOs, tokenized securities that comply with regulations. But for now STOs are still a hard route, that lacks liquidity and regulatory clarity. Image Source Subscribe by email to join the other Fintech leaders who read our research daily to stay ahead of the curve. Check out our advisory services (how we pay for this free original research) The post From ICOs to STOs and IEOs. What is next in the evolution of crypto fundraising? appeared first on Daily Fintech. [...]
1
60

A Peek Into Our Week: Pregnancy update (week 26), bathroom redo, books, & romance

click photo for more information
A Peek Into Our Week: Pregnancy update (week 26), bathroom redo, books, & romance
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 26 weeks!! This past week FLEW by and I can’t believe it’s time for another pregnancy picture and update. Highlights I’m continuing to feel so well overall. Yes, there are the normal uncomfortable parts and the fact that I have to lay down and rest/nap and move more slowly than my usual pace, but I cannot believe how well I’m doing compared to previous pregnancies! It just goes to show that prioritizing healthy food, sleep, hydration, and exercise really can make a difference! (It may also help that every day has a lot going on so I not have a lot of time to sit around and think about how I feel!) Notable My belly is definitely popping out more and the baby is kicking a lot stronger and harder these days! It’s still so surreal for me… but feeling the elbows and knees protruding out make it more and more real. Cravings My diet is pretty limited these days in order to avoid heartburn triggers, but some of my standby’s right now are cereal/milk, apples with peanut butter, and a big salad with chicken and hard boiled eggs. This basically makes up most of my eating right now — and I’m grateful that it tastes good, is nourishing, and doesn’t make me sick. Every day that I’m not experiencing extreme acid reflux like I did in my previous pregnancies is a gift. Weight gain: 18 pounds Check out my honest reviews on the 5 Books I Read This Past Week (+ 1 Classic Movie We Watched). Did you see how we spruced up our upstairs bathroom on a budget? See the before and after pictures here. The podcast episode this week on 10 Ways to Keep the Romance Alive was one of our most-downloaded episodes in a long time. Have you listened to it yet? [...]
1
35

Security Token news for Week ending 24 January 2020

click photo for more information
Security Token news for Week ending 24 January 2020
[...]
1
25

We Spent $71.30 on Groceries This Week (+ our dinner menu)

click photo for more information
We Spent $71.30 on Groceries This Week (+ our dinner menu)
Want to see what we bought for this week’s $70 grocery budget? I’m currently challenging myself to stick with a $70 budget for our family of five. This includes almost all of our breakfasts, lunches, snacks, and dinners + most household products (toiletries, laundry soap, etc.). For live updates, be sure to follow my Instagram Stories. See all posts on my $70 Grocery Budget here. Last week, I only spent $60 on groceries, so I went a little bit over this week. Here’s what we bought… Kroger Shopping Trip #1 2 bags of apples —  marked down to $0.99 each 5 bags of Chicken Breasts — $4.99 per bag with Kroger digital coupon Total with tax = $28.61 Kroger Shopping Trip #2 4 tubs of lettuce — marked down to $0.99 each 3 bags of apples — marked down to $0.99 each Promised Land Chocolate Milk — marked down to $0.99 Rice Bitz cereal — marked down to $0.79 Cage-Free eggs — marked down to $1.39 Milk — $2.89 Total with tax: $13.80 Kroger Shopping Trip #3 2 Tyson Anytizer Chicken — $3.99 each with Kroger weekend digital coupon 3 dozen eggs — marked down to $0.39 each Strawberries — $1.67 Carrots — $0.99 1 bag avocados — marked down to $0.99 Milk — $2.89 Cage-free eggs — marked down to $1.29 Tortillas — $1.50 2 Private Selection Chips — $0.99 each with Kroger weekend digital coupon Refried beans — marked down to $0.49 4 jars Pace salsa — $0.99 each when Kroger weekend digital coupon Refried beans — $0.79 Total with tax: $28.89 Dinners This Past Week Frozen Pizza, Popcorn Slow Cooker Sausage & Sauerkraut Soup, Biscuits, and Apples Sausage & Sauerkraut Soup, Pumpkin Chocolate Chip Muffins, and Apples Roasted Potatoes, Roast in the Crockpot, Instant Pot Apples, Roasted Broccoli Italian Chicken, Salad Leftovers Dinner Out By the way, what are your best tips for keeping lettuce fresh? I don’t want all the lettuce I bought to go to waste before we can use it, but it will probably take us at least 5-7 more days to eat through all that. Any great suggestions? [...]
1
31

This Week in Fintech 24 Jan

click photo for more information
This Week in Fintech 24 Jan
[...]
1
50

Blockchain Thematic ETFs from the West to the East

click photo for more information
Blockchain Thematic ETFs from the West to the East
[...]
2
28

My Goals for This Week

click photo for more information
My Goals for This Week
This year, I’m doing weekly goals in 2020 instead of yearly goals. And I’m thrilled to report that it’s going so well! In fact, even though we had activities almost every evening last week and a very full week, I got so much done — and had breathing room and rest time, too! Here’s an update on how I did on my goals last week… Last Week’s Goals Update Personal Goals 1. Get in 52,000 steps total. (I use the FitBit Ulta HR to track my steps every day.)  2. Finish reading Romancing Your Child’s Heart and Awful Beautiful Life and listening to the Killing Patton audiobook.  3. Get up at 5:30 a.m. every week day. Home/Family Goals 4. Decluttering: Garage freezer, bathroom closet, attic area, laundry room, car. 5. Start a new read aloud book together as a family. 6. Inventory what baby clothes we need to buy and purchase these. Work/Blog Goals 7. Finish the introduction and write chapter 1 of my manuscript. 8. Write an in-depth honest review of Butcher Box. (You can read my Completely Honest Review of Butcher Box here.) 9. Run our $4 course sale. Word of the Year Goals 10. Pop popcorn and watch another classic movie as a family. (We watched 7 Brides for 7 Brothers. I’ll share our thoughts on it on my book update post on Wednesday.) 11. Go out to dinner with Jesse for our anniversary. 12. Make tea, light a candle, and write a card to Jesse.  I cleaned out the sock basket when I worked on the laundry room. Can you believe that in this overflowing basket of mismatched socks that had come through the laundry in the last 6-8 months there was not one single match?? This Week’s Goals This week, I’m setting more personal goals because, as I wrote in my pregnancy update, I’m wanting to really prioritize earlier bedtimes and more hydration. If you’re wondering why I have such a long list of books to read, that’s because 4 of the books are ones I’m reading in preparation for a podcast interview and another one is a book I’m reading in order to do an endorsement for a friend. So it looks like a lot, but 4 of them are super short and I’m over halfway through two of the books on my list. It’s not as impressive as it might look! 🙂 2020: Week 3 — Goals Personal Goals 1. Get in 53,000 steps total. (I use the FitBit Ulta HR to track my steps every day.)  2. Finish reading 100 Ways to Love Your Husband, 100 Ways to Love Your Wife, 100 Words of Affirmation Your Wife Needs to Hear, 100 Words of Affirmation Your Husband Needs to Hear, Live Love Now, and No Better Mom for the Job. Finish listening to Killing the Rising Sun. 3. Get up at 5:30 a.m. every week day. 4. Go to bed by 10 p.m. Sunday, Monday, Tuesday, Wednesday, and Thursday. 5. Drink a gallon of water every day. Home/Family Goals 6. Decluttering: Boxes of mementos, under bathroom sinks, and kitchen cupboards. 7. Finish reading Great Escapes of World War II aloud as a family. 8. Buy hats and coming home outfit for baby. (I’m chipping away at my To Do Before Baby Comes list a little bit per week.) Work/Blog Goals 9. Write chapter 2 of my manuscript. Word of the Year Goals 10. Pop popcorn and watch another classic movie as a family. 11. Go to a movie with Jesse. 12. Go out to dinner with friends. What are YOUR goals for this week? How did you do on last week’s goals? Tell us in the comments! [...]
1
43

National Park Free Days: When to Plan Your Next Trip in 2020

click photo for more information
National Park Free Days: When to Plan Your Next Trip in 2020
If you’re already looking ahead to road trips or family vacations this year, here’s one way to do it on the cheap. While most of the 417 national parks in the U.S. are free to use anytime, 125 of them charge an entrance fee.  To encourage travelers and campers to visit new places, the National Park Service will waive these fees for five days in 2020: Jan. 20: Martin Luther King Jr. Day April 18: The first day of National Park Week August 25: National Park Service Birthday Sept. 26: National Public Lands Day Nov. 11: Veterans Day Some of the nation’s most popular parks are among those that normally charge a fee, making fee-free days an opportunity to see places like the Grand Canyon, Yosemite, Yellowstone, Death Valley and Crater Lake. Not the outdoorsy type? Even some national historic sites, like Vanderbilt Mansion in New York, are included. If you’re interested, you can find all participating parks by state or search through the full list of national parks, including those that are free anytime, to find one near you (or your next destination). Note: You may still encounter fees for things like camping, parking, reservations or concessions. The fees waived on fee-free days include entrance fees, commercial tour fees and transportation entrance fees. If you plan on camping, here are a few tips for camping on a budget. More Ways to Use National Parks for Free If you can’t make it to a national park on one of the fee-free days, you may be able to get free or discounted entrance to national parks year-round some other way. The National Parks Service offers an $80 annual pass that covers entrance to national parks, lands managed by the Bureau of Land Management and other sites. Military members can get the annual pass for free. Through the national Every Kid in the Park program, fourth-graders can get a free annual pass for their families. Educators can also get involved through this program, obtaining free passes to take students on a national park field trip. Seniors age 62 and older can buy a lifetime pass for $80 or an annual pass for $20. Senior passes require proper documentation and may be purchased in person at a federal recreation site, online or through the mail. People with disabilities can get a free pass in person, or through the mail or online with a $10 processing fee. Both the senior pass and the access pass offer a 50% discount on some amenities like camping, swimming, boat launching and specialized interpretive services. Volunteer with participating federal agencies for at least 250 hours, and you’ll receive a free volunteer pass that is valid for 12 months. If you want to learn while you travel, you can apply for an Artist-in-Residence program with the National Park Service and stay at a participating park for free while you work on your next project. However you do it, consider including national parks or historic sites in your 2018 travel plans. For families — and curious travelers of all ages — it’s a fun, educational and affordable way to spend a vacation. With more than 400 to choose from, there’s probably one not far from you! Dana Sitar (@danasitar) is a former branded content editor at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
1
36

This Week in Fintech 10 Jan

click photo for more information
This Week in Fintech 10 Jan
[...]
1
46

4 Expiring Tax Breaks Extended Through 2020

click photo for more information
4 Expiring Tax Breaks Extended Through 2020
Federal budget legislation enacted in late December did a lot more than fund the government for another year. As we’ve recently reported, this bill package included provisions that tweak everything from retirement accounts to cable TV bills, for example. It also extends several tax breaks for individuals that had expired already or were about to expire, making them available for your tax... [...]
2
61

4 Books I Read This Past Week (+ the classic movie we watched)

click photo for more information
4 Books I Read This Past Week (+ the classic movie we watched)
This post may contain affiliate links. Read my disclosure policy here. Welcome to my weekly book update post where I share what books I read this past week + my honest thoughts and star ratings of them. In 2020, I decided not to put together a list of all the books I plan to read like I did the past few years. In the spirit of keeping my goals smaller and in bite-sized chunks, I decided to just pick the next few books I’m planning to read instead of trying to sort of plan out the whole year! And then I’m planning to do a book update post every week or every other week here with reviews and thoughts on the books I finished. It’s very possible that some weeks I won’t finish any books, so I’m giving myself permission to skip a week here and there if I don’t have anything to report! 🙂 Full disclosure, I did pick out a bunch of books I really would love to read this year and put them on three of the shelves in our library. And I plan to mostly pick the books I’m reading next from those shelves. I also picked out about 25 books on parenting that I plan to read while I’m writing my book. (My manuscript is due in July 2020 and I am hopeful that I’ll be able to read one parenting book per week. I’ve been reading 1-2 chapters every morning on the treadmill while I’m walking and, at that rate, it’s pretty easy to get through a book per week. We’ll see if I can keep it up!) If you want to see what I’m currently reading or what I’ve read so far this year, you can check out my GoodReads account. A Word on My Star Ratings The star ratings I give the books I read are based on a 5-star rating system. I rarely will ever give a book a 1-star rating (maybe never?), because my philosophy is that if a book is only worthy of one star, I’m more than likely going to quit reading it. 🙂 In the same vein, you’ll also notice that I’ll rarely give a 5-star rating as I reserve those for only my very, very favorite books. Here are the books I finished last week: 1. An Invisible Thread This book was recommended to me twice in the same week by people I respect, so I figured I should get a copy and read it! An Invisible Thread is the story of a seeming chance meeting between an 11-year-old pan handler and a busy executive and how it changed both of their lives. This book is written from the perspective of the busy executive, Laura Schroff, and her thoughts on how this young boy impacted her life in ways she couldn’t have dreamed. I thought it did a good job of fleshing out some of the very real problems and struggles with children born into poverty. I think so many of us live very sheltered and safe lives that it’s hard to imagine what it would be like to grow up and never know where you’ll be living, to have to figure out how to fend for yourself from a young age, to always be hungry, and how hard it would be to break the cycles of poverty and drug addiction when that’s all you know. On the flip side, I cringed at some of the decisions Laura made and how hurt this young boy — often with her being completely oblivious. It made me examine my own life and thought processes over things and decisions, especially in light of fostering. One of the parts of the book that I didn’t expect was that it wasn’t wrapped up in a neat bow and it didn’t have a perfect Hallmark movie ending. But I appreciated that it was real and gritty and the author was honest about her struggles. That said, I felt like the author shared a lot more about her background and life than maybe was necessary and sometimes it felt more like her memoir than the story that is promised in the subtitle. In some ways, it felt like she was trying to fill a word count for her manuscript. And yet, some of her story was very interesting and insightful. Verdict: 3 stars 2. The Rock, The Road, and the Rabbi I had seen this book advertised or mentioned so many different places, but I had no idea what it was about. I was looking for some new books to listen to on my Libby audiobook app and it was available to borrow from the library, so I started listening to it. Honestly, it seemed a little dry in the beginning and the introduction was kind of long and drawn out. But I’m glad I kept listening, because I learned so much and it opened so many passages in Scripture in a new light. Kathie Lee Gifford shares her journey of traveling to Israel and learning under a Messianic Rabbi. He helped her write many parts of the book and, as someone who has read the Bible from cover to cover many times in my life, I couldn’t believe how much I learned. I think that it helped that I visited Israel a few years ago and had gone to many of the places mentioned in the book so I could picture them in my mind as I was listening. And it made me anxious to go back again!! If you haven’t been to Israel, I think you’ll still find this book insightful, it just might not come alive as much if you can’t picture the sites and places in your mind. (However, this book might make you really want to visit there!) Verdict: 4 stars 3. Parenting: 14 Gospel Principles That Can Radically Change Your Family I can’t tell you how many times people have recommended this book to me! Since I’m working on a book on the topic of parenting right now, I figured I should really read it. It was interesting to me how much of the book mirrored some of the lessons and journey God has had me on as a parent in the last 3 years. Much of it was refresher type of encouragement, but it was so good to read. I appreciated the author’s strong emphasis on the Gospel as that is often missing in parenting books. It’s so easy to focus on prescriptive parenting tactics instead of getting to the heart — pointing our kids to Jesus. In addition, I loved the underlying message that we won’t doing this parenting thing perfectly and that’s the point. If we were perfect parents, we wouldn’t need Jesus! While I didn’t agree with every tiny little thing in the book and I truly was irritated by the layout of the book, I am very glad I read this and think it’s a worthwhile read for every Christian parent! (A note on the layout: I think it needed more spacing and better breaking up of paragraphs, maybe some callout quotes, and possibly a different font? Yes, I’m weird in that book layouts can really make or break my reading experience. I’ve even been known to not read a book just because I felt like the layout was so poorly done!) Verdict: 4 stars 4. A Single Shard We’ve had this book on our shelf for a few years and I finally picked it up to read aloud to the kids. It’s the fictional account of a master potter, a homeless boy, big dreams, dashed hopes (literally), and how perseverance pays off. Truth be told, I really enjoyed the story and found it pretty engaging (even though I had mostly guessed what the ending was going to be!),  but the kids didn’t enjoy it. They said it was hard to follow and not super engaging. I think some of the was likely due to the fact that we’ve gotten way out of the habit of reading aloud (should I confess that it’s been almost two years — I think! — since we’ve read a book other than a devotional or the Bible out loud together??) and it’s going to take some time to get back into it. I also think that they’ve changed so much in the few years since we stopped reading aloud, that it’s going to take some trial and error to figure out what kinds of books will engage them now that they are older. Regardless of it not being a big hit, I’m going to celebrate that we read it, finished it, and learned some things about potters and ancient pottery and 12th century Korea. That’s a win, right?? 🙂 Verdict: 3 stars Classic Movie We Wa [...]
1
51

Fintech Must Meet Cleantech. Fast.

click photo for more information
Fintech Must Meet Cleantech. Fast.
[...]
1
39

My Goals For This Week (+ details on my baby to do list)

click photo for more information
My Goals For This Week (+ details on my baby to do list)
This post may contain affiliate links. Read my disclosure policy here. As I told you last week, I’m doing weekly goals in 2020 instead of yearly goals. We’re only a week into the new year, but I can already tell you that I am loving this approach and couldn’t believe how much I got done last week. (Okay, it probably helped that the kids were out of school, we had very few extra commitments, and it was an overall quiet week. We’ll see how it goes this week when we’re back to our usual schedule and pace and we have commitments and plans every evening!)  Before I share this week’s goals, here’s an update on how I did on last week’s goals… Last Week’s Goals (progress update) Personal Goals 1. Get in 50,000 steps total. 2. Finish reading Parenting and An Invisible Thread. 3. Get up at 5:30 a.m. Monday, Tuesday, Thursday, and Friday. (I hit this goal every day but Monday.) Home/Family Goals 4. Declutter the entire house. (See the pictures of our progress here. (Note: We did all the big projects this week, but I came up with a list of little areas I want to declutter and I’m planning to tackle one small project every week day fo r the next few weeks.) 5. Finish reading aloud A Single Shard together. 6. Start a new family devotional book together. (We decided to go with The Ology since we already had it and had been wanting to go through it.) Work/Blog Goals 7. Spend 12 hours on my manuscript outline. (My outline is done — yay!! This next week I get to start writing!) 8. Open up the blogging Mastermind to new members. 9. Get everything ready for our big $4 course sale next week. Word of the Year Goals 10. Pop popcorn and watch a movie as a family. (We watched Swiss Family Robinson and the kids really enjoyed it!) 11. Take Kaitlynn out shopping. (See details on our shopping trip here.) 12. Make tea, light a candle, and write thank you notes. I was SO excited to see all those things crossed off the list! YAY!!! A Word About My Baby To Do List You’ll start to notice baby items on my goals list each week. A few weeks ago, I sat down and made out a list of everything I needed to do/buy/get before the baby is born (I’m due April 30). I divided this list up into weekly tasks so that I could slowly chip away at it instead of waiting until the last few weeks and feeling overwhelmed by everything I needed to do. This makes the countdown more exciting and it also is in line with my word for the year — because it’s going to let me savor this special time even more instead of feeling sort of rushed with to-do’s. 2020: Week 2 — Goals Personal Goals 1. Get in 52,000 steps total. (I use the FitBit Ulta HR to track my steps every day.) 2. Finish reading Romancing Your Child’s Heart and Awful Beautiful Life and listening to the Killing Patton audiobook. 3. Get up at 5:30 a.m. every week day. Home/Family Goals 4. Decluttering: Garage freezer, bathroom closet, attic area, laundry room, car. 5. Start a new read aloud book together as a family. (Any great suggestions??) 6. Inventory what baby clothes we need to buy and purchase these. Work/Blog Goals 7. Finish the introduction and write chapter 1 of my manuscript. 8. Write an in-depth honest review of Butcher Box. 9. Run our $4 course sale. Word of the Year Goals 10. Pop popcorn and watch another classic movie as a family. 11. Go out to dinner with Jesse for our anniversary. 12. Make tea, light a candle, and write a card to Jesse. What are YOUR goals for this week? How did you do on last week’s goals? Tell us in the comments! [...]
1
43

Ethereum Strikes Back

click photo for more information
Ethereum Strikes Back
Decentralized finance (DeFi) has literally exploded this year. 2020 is set to be even bigger. DeFi offers a unique way to earn interest on digital assets without a middleman taking a cut. Decentralized finance is evolving and Ethereum based DeFi is at the forefront. While several other smart contract platforms have been taking pot shots at Ethereum’s lead, none of Ethereum’s would be killers have been able to gain significant traction this year. When we look at the Ethereum ecosystem, 2019 was a year of continued growth and innovation.  Looking at the numbers: 80m+: Total Ethereum accounts 4 million: New active Ethereum addresses 4.7 million: Ether issued his year from block rewards. 8,516: Live Ethereum nodes 520: New decentralized applications in 2019 If you’ve have followed Ethereum’s narrative in 2019, you have likely noticed the growth of the Decentralized Finance ecosystem. DeFi brought in hundreds of millions of dollars in value into the Ethereum ecosystem. The first killer app for Ethereum was ICOs and raising money for cryptocurrency projects. The ICO was a revolutionary shift in fund raising, which drove a massive bull market. The ICO craze in 2017 raised billions of dollars, peaking in January 2018, and launched the programmable money race and the crypto app ecosystem, we have today. DeFi is Ethereum’s second killer app. In 2019, the DeFi was the most impactful trend in the crypto ecosystem. I expect that will continue to be the story in 2020, as DeFi could be worth $5 billion this year. The traditional banking system on the verge of collapse, interest rates are negative and people that save are penalized for putting money aside. The story use to be that when you would give your money to the bank, to keep it safe, the bank would lend it to others and charge them interest on the money they borrowed and in turn the bank would pay you interest for using your money, minus the cost of running the bank account. Well, DeFi lets people earn interest again, this time from their crypto assets. DeFi is an umbrella concept describing financial services built on top of public blockchains like Bitcoin and Ethereum. DeFi runs on trustless protocols, without the need for financial intermediaries. It lets individuals and businesses borrow, lend, trade, invest, exchange, hedge, and store crypto assets. DeFi includes things like Maker which is both a stablecoin and a collateralized lending system. Today, just about all DeFi projects are built on Ethereum, making it the gold standard for dApps. DeFi accounts for a substantial share of Ethereum’s ecosystem, with applications like: Lending: Dharma Lever, Compound, Celsius Network. Margin Trading: dYdX, Nuo Derivatives: dYdX, MARKET Protocol Tokenization: Abacus, Centrifuge, Harbor Insurance: CDx Prediction markets: Augur   Today most of these projects aren’t making money. For example MetaMask processes thousands of transactions every day, but doesn’t have a way to monetize. The way to measure DeFi’s growth is by the Ether (ETH) that’s locked in smart contracts. Currently it’s worth over $680 million (around 2.5 million ETH), with MakerDAO dominating across the major apps. This year several contenders have tried to unthrone Ethereum, like Waves, Cardano, EOS and Tron, but Ethereum’s, network effects and abundance of developers (Ethereum has 4x more developers than any other crypto ecosystem), make it very difficult for other smart contract platforms to sway away DeFi apps. What about Bitcoin, can DeFi be replicated on Bitcoin? DApps are possible on Bitcoin, but coding them is much more complicated, than on Ethereum. So far, Bitcoin’s most successful DeFi application is the Lightning Network. In 2019, the Lightning Network had impressive growth, with more than 6,000 active users and $6.2 million locked in the network. Other Bitcoin dApps are decentralized exchanges like Bisq or Sparkswap. Ethereum is growing and getting stronger. Network activity is up, development is on track, and DeFi is hitting record figures. The only thing not so positive, is Ethereum’s  price. You would expect the price to follow suit as DeFi has been growing and it probably will in 2020. With Ethereum becoming a programmable store of value, it’s well on track to find the niche that will fuel the next bull run. Because the last bull run was based on ICO speculation, some had written off Ethereum based finance. DeFi could provide a tangible value and an opportunity to build financial infrastructure that is open to everybody, and starts to change how we interact with markets. This is nothing to take lightly and I am excited to watch this growth and the applications that will develop in the coming months and years. Image Source Subscribe by email to join the other Fintech leaders who read our research daily to stay ahead of the curve. Check out our advisory services (how we pay for this free original research) The post Ethereum Strikes Back appeared first on Daily Fintech. [...]
1
39

Life Update: Pregnancy (week 23), Goal-Setting, Decluttering, Birthday Parties, and a fun girls’ night

click photo for more information
Life Update: Pregnancy (week 23), Goal-Setting, Decluttering, Birthday Parties, and a fun girls’ night
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 23 weeks!! And I officially “popped” this week. I kept waiting for it to happen and this week it totally did. In fact, Jesse walked in while I was walking on the treadmill and took one look at me and said, “Whoa!” when he saw my belly. And then he realized that he had said it out loud… and I started dying laughing, because it’s exactly what I feel every time I look down or look in the mirror. Highlights We cleaned out our master bedroom closet to make space for the baby’s things (we’re planning to have the baby sleep in our room for the first months, possibly longer). It’s getting real now that we have baby blankets and baby things sitting in our closet! Notable This was a rough week. I struggled with a lot more nausea and had a lot more fatigue than usual. In fact, at least half of the day most days, I could only manage to be up for 5-15 minutes at a time and then needed to lie down. I think I maybe overdid it the last few weeks (+ I was sick) and we were traveling and I think my body just got completely worn down. I tried to take it really, really easy the past few days and I’m feeling a lot more energetic. I’m so grateful! It was a good reminder to me that this is a season to make sure to really pace myself and take time to rest. Cravings Very little this week, since I was nauseous most of the time. But I’m so grateful that the nausea isn’t anywhere what it was like in my first trimester. Also, I keep thinking about so many people who feel sick all the time and it’s not for a good cause nor does it have an end in sight. Weight gain: 15 lbs. This Week at Our House We drove back from Kansas last weekend (it’s about an 11 to 12-hour drive). Silas asked if he could wear his jammies on the drive… he is such a PJ-lover and I wonder if he’ll ever grow out of loving wearing PJs as often as possible! 🙂 On the drive home, I worked on planning for 2020, including planning out my Weekly Goals for this past week. (Did you see my post on why I’m not setting yearly goals and am setting weekly goals instead?) Last week, I asked for ideas on Instagram to help with my lingering hacking cough that was keeping me up at night. I got so many great ideas! As a result, I started taking elderberry syrup (thank you, Four Mothers Elderberry!) and putting Vick’s on my feet with socks every night and it’s really made a difference. I’m still not 100%, but I’m so much better than I was last week! You all are the best! One of our biggest projects for the week was decluttering all the majorly-neglected spots in our home. (You can see all of the before and after pictures here.) We had multiple birthday parties to attend this past week (I guess it’s a popular week for birthdays??). I loved the way my friend, Fran, chose to celebrate her birthday — with a TAK PAK Party. We all brought specific items and then packed backpacks with these items for teen girls who are entering foster care. (Read more about TAK PAKS here.) From My Heart… “I’m at my wit’s end! I can’t seem to connect with my daughter at all! It’s like she just doesn’t want to have a relationship with me!” A distraught mom confided this to me recently. My heart went out to her and I asked some more questions about the situation. Two things I asked were, “What does your daughter like? What is she interested in and passionate about?” After the mom listed off some things, I said, “What would it look like for you to step into her world and be interested in those things with her?” The mom abruptly responded, “Oh! I couldn’t do that! That’s just not me!” Here’s the thing I’ve learned from doing it all wrong: We can’t expect our kids to love all the same things we love and get excited about all the same things we get excited about. I used to get frustrated because my kids were so different than me. But then, I began seeing that their wildly different interests were an opportunity for me to learn and grow and expand my world. My kids have taught me so much about so many subjects that I used to have zero clue about. They have helped me develop new interests and new skills. And they’ve stretched and pushed me outside my comfort zone. And it has made my world so much richer and interesting! Want to Deepen a Relationship? For instance, Kaitlynn absolutely adores Bath & Body Works, so she’s teaching me all about how to get the best deal there. I’ve learned all about their scents and sales and money back guarantee. And she and I went one night this past week with her well-researched list and gift card and $10/$40 coupon and she floored me by getting two bags full of stuff for only $10.80 out of pocket — and saving $98!!! As I watched her strategically shop last night, I thought: 1) She needs to start her own blog (but she’s not interested in blogging, and that’s okay!) and 2) I would have missed this had I not been willing to get out of my little, “I don’t like to shop or go to the mall” mentality and jumped in and embraced something my daughter loves. Want to deepen a relationship with someone? Care about what they care about. Be interested in what they are interested in. And let them open up a whole new world of ideas and insights and inspiration to you! [...]
1
51

Decentralized discovery is the missing piece in the blockchain economy

click photo for more information
Decentralized discovery is the missing piece in the blockchain economy
[...]
1
34

How to Optimize Chase Freedom, Discover it for Q1 2020

click photo for more information
How to Optimize Chase Freedom, Discover it for Q1 2020
It’s a new quarter, a new year and a new decade. That means it’s also time for new 5% bonus categories for the Chase Freedom® and select Discover cards including the Discover it® Cash Back and Discover it® Student Cash Back. From Jan. 1 through March 31, 2020, you’ll earn 5% cash back on up... Sara Rathner is a writer at NerdWallet. Email: srathner@nerdwallet.com. Twitter: @sarakrathner. The article How to Optimize Chase Freedom, Discover it for Q1 2020 originally appeared on NerdWallet. [...]
1
47

Why London could become the Bitcoin capital of the world

click photo for more information
Why London could become the Bitcoin capital of the world
Editor’s Note: this is the 8th post on Daily Fintech, written in 2014 – before all the political craziness of Brexit To give our authors a break over the holidays, we are re-posting from our archive of over 1,000 articles. Rather than pick favourites we elected to simply repost the first 8 articles (as that was over 5 years ago you may have missed them; we were pretty unknown then).  As we close out 2019, make a resolution to be smarter about Fintech in 2020 by subscribing for just US$143 a year (= $0.39 per day). You will get all our fresh daily insights and participate in our forum. You can also read our archives with over 1,000 articles, an example of which you are reading from over 5 years ago. We look forward to welcoming you to the Daily Fintech membership community today! Fresh insights will be coming from our knowledge bakery tomorrow. This is one of a series called Explorations down the Bitcoin rabbit hole. First, my bias. I am a Brit. When I left the UK in 1990, the start up scene was dismal, new ideas were greeted with skepticism and the status quo was glorified. It is a great pleasure to see that point of view so totally reversed now. There is a vibrancy, optimism and big ambition change-the-world thinking that is “oh dear, so Unbritish”. The UK tech scene has had false starts before. 8 years ago I was writing about how innovation was going global and yet Silicon Valley still dominates to an extent that I did not envisage when I wrote this post on ReadWrite in 2007. I think this story about London as a leading global Fintech/Bitcoin center has legs for 3 reasons: Critical mass of techies and rich people. Paul Graham of Y Combinator fame famously said that all you need for an innovation center is (i paraphrase) techies and rich people. There is one caveat. The rich people must have made their money from the domain you are asking them to invest in. If the rich person made their money in property or manufacturing, a digital startup just looks ridiculous. London has plenty of people who made their money in Finance. They know that even the most venerable institutions are “data centers with fancy lobbies”, so a new tech powered innovation is not too big a stretch for them. A light regulatory touch. Compare what the Cameron government is proposing vs what the New York State Department of Financial Services has proposed. It is clearly a fine line to walk. It is counterproductive if a center becomes a haven for scamsters and consumers to lose a lot of money. Bitcoin is a global phenomenon and many Bitcoin startups have global teams who can decide where they want to be based and regulation (along with talent and capital) is key to that decision. Regulation to protect consumers is good. Regulation to protect incumbents from competition is bad. New York has a lot of incumbents that certainly want protection; if they succeed in getting it, London will have a playing field tilted in their favor. Talent with the right mix of domain expertise and deep tech. Fintech needs both. Deep tech expertise can be found in any location with good Computer Science colleges. Fintech startups need those engineers in the same room with people who understand the nuances of things like credit rating, derivatives, exchanges, asset management and so on. The devil is in the details that sit at the intersection of both deep tech and. domain expertise. I see three “straws in the wind” to indicate that this is happening now: MeetUp attendance for hot new Bitcoin 2.0 platforms such as Ethereum. These could be huge or they could be flashes in the pan. What matters is how the techies are voting with their time. London is doing well on that score. The VC funding for Bitcoin startups. The numbers from Coinbase show Europe ahead of Asia in Q2 ($30.9 vs $20.8). This is still a long, long way from the $186m for America and I would like to see the regional numbers (e.g NY vs Valley and London vs Berlin) but I suspect that London is far ahead of any other European center. The Valley will always score on access to big Funds. What matters is London vs New York i.e two centers with deep Financial Services domain skills and networks. Big Silicon Valley Funds such as Accel see the trend lines and are setting up in London or strengthening their operations. This is one of a series called Explorations down the Bitcoin rabbit hole   As we close out 2019, make a resolution to be smarter about Fintech in 2020 by subscribing for just US$143 a year (= $0.39 per day). You will get all our fresh daily insights and participate in our forum. You can also read our archives with over 1,000 articles, an example of which you are reading from over 5 years ago. We look forward to welcoming you to the Daily Fintech membership community today! The post Why London could become the Bitcoin capital of the world appeared first on Daily Fintech. [...]
2
38

Get interactive 2020 Organizing and Goals Diaries for just $9 total!!

click photo for more information
Get interactive 2020 Organizing and Goals Diaries for just $9 total!!
This post may contain affiliate links. Read my disclosure policy here. Get Organized Gal is running a BIG sale on their 2020 Diaries right now! You can get both the Organize in 5 Diary and the Priorities and Goals Diary for just $9 total! That’s a $20 savings!! Both of these diaries are interactive — meaning you can type in them, save them, and print them with your information filled out. The Organize In 5 Diary is an interactive diary with a 5-minute decluttering, simplifying, or organizing task for every day of the year. Each day, you read your Organize In 5 task. The action is described in simple steps — easy and achievable. The daily tasks cover home, work, closet, computer, health, finances, time management, relationships, family, and even relaxation. Next, set the timer and go. Just 5 minutes and you’re done! The Goals & Priorities Diary is a structured diary for advancing your goals and getting your most important tasks done every day. Each day you’re guided to focus on the things that matter most — freeing you from overwhelm while allowing you to make progress on goals. The structure leads you to set yearly and monthly goals, then to translate those goals into daily tasks. Every day you’re prompted to identify your top three priorities and do these first. It’s a systematic, stress-free way to advance your goals. Go here to get both diaries for just $9 total! [...]
1
22

Bitcoin VC Funding is now over 30% of Fintech and catching up fast

click photo for more information
Bitcoin VC Funding is now over 30% of Fintech and catching up fast
Editor’s Note: this is the 7th post on Daily Fintech, written in 2014 – to close out 2019. Happy New Year to our Western readers To give our authors a break over the holidays, we are re-posting from our archive of over 1,000 articles. Rather than pick favourites we elected to simply repost the first 8 articles (as that was over 5 years ago you may have missed them; we were pretty unknown then).  As we close out 2019, make a resolution to be smarter about Fintech in 2020 by subscribing for just US$143 a year (= $0.39 per day). You will get all our fresh daily insights and participate in our forum. You can also read our archives with over 1,000 articles, an example of which you are reading from over 5 years ago. We look forward to welcoming you to the Daily Fintech membership community today! This is one of a series called Explorations down the Bitcoin rabbit hole. Actually this understates it, but more on that later. First the basics. I looked at data from Coindesk on Bitcoin VC funding and data from CB Insights on Fintech. The Coindesk data is for Q2 and the CB Insights data is for 2013, so I multiplied the Coindesk data by 4 to get an annual run rate of $960m vs total Fintech over $3,000m. Thus the 30% headline number. This understates the Bitcoin number. Where would we record the pre-mining that funds a lot of Bitcoin 2.0 start-ups? However the bigger story is around momentum. Bitcoin startups only started to get serious money in the last 12-18 months. As some of these like Coinbase and Bitpay get real traction, this will pull in more funding. More importantly, the Bitcoin 2.0 platforms such as Ethereum, Maidsafe and Counterparty are getting funded through pre-mining and they are platforms to attack Fintech markets well beyond what we narrowly think of as Bitcoin today. My guess is that if did the same analysis in Q4 of 2014, the Bitcoin run rate would be closer to 50% of total Fintech. Some time during 2015, this analysis will no longer be useful as most Fintech startups will use Blockchain technology in some way. By 2016, it will be like saying “we use the cloud”. This is one of a series called Explorations down the Bitcoin rabbit hole. As we close out 2019, make a resolution to be smarter about Fintech in 2020 by subscribing for just US$143 a year (= $0.39 per day). You will get all our fresh daily insights and participate in our forum. You can also read our archives with over 1,000 articles, an example of which you are reading from over 5 years ago. We look forward to welcoming you to the Daily Fintech membership community today! The post Bitcoin VC Funding is now over 30% of Fintech and catching up fast appeared first on Daily Fintech. [...]
1
35

My Word for 2020

click photo for more information
My Word for 2020
This post may contain affiliate links. Read my disclosure policy here. You all had such great guesses on my Word of the Year for 2020. Surprisingly, only one of you got it right (at least, I think it was only one of you!) Like usual, as 2019 started winding down and we headed in November, I began contemplating what over-arching theme I want to pursue in the following year. My word for the year came pretty easily to me, as it often does. I sat with it for a few weeks to make sure I really loved it. And then I asked Jesse for his thoughts. He agreed that the word seemed fitting for 2020. So without further ado, my word for 2020 is: Savor. What Does Savor Mean? There are a variety of definitions for savor, but the basic definition is, “to taste or smell with pleasure.” I decided to expand my own personal definition of savor to encompass slowing down and fully experiencing life through my senses. I love how Vocabulary.com defines it: Whether it’s a feeling of joy or a piece of pecan pie — when you savor something, you enjoy it to the fullest. When you savor something, you enjoy it so much that you want to make it last forever. With that in mind, savor carries a connotation of doing something slowly. If you savor that flourless chocolate tart, then you eat it slowly, bit by bit, deliberately picking every last crumb off the plate. The word is often applied to eating, but you can savor any pleasurable experience, whether it’s the winning touchdown or your moment in the spotlight. Why Did I Choose This Word? My personality is one that doesn’t tend to do life slowly. I usually have an end goal in mind with almost everything and I can put my head down, my blinders on, and just aim straight for that objective. While there are good things about this tendency, it also means that I often miss a lot of beauty and experience along the way. This year, I want to take the time to really stop and savor life, to experience the richness of the everyday, and to notice what I’m tasting, touching, hearing, seeing, and feeling. I plan to not only be aware of this as I go throughout each day, but I also am going to set 2-3 goals per week that are focused on helping me use my senses to more fully experience life. To hear more about this word and why I chose it for 2020, be sure listen to this week’s podcast episode where I share more about choosing a word for the year, a book I just finished, a remedy that’s helping with my hacking cough, and more about weekly goal-setting versus yearly goal-setting. In This Episode:  [01:07] Happy New Year! It feels like it has been forever since we’ve recorded a podcast! Listen in for a quick recap of our holiday! [05:36] Vicks VapoRub with socks is saving my life this week! [07:33] I finished An Invisible Thread on the drive home. [10:15] Why choose a word of the year and what was mine from 2019? [11:33] My word for 2020 is Savor. I share more about choosing this word. [14:13] How do I plan to live this out? [16:35] My goals for week 1 – January 2020 are… [19:31] What is your word of the year? How are you setting your goals in 2020? Links and Resources: Vicks VapoRub An Invisible Thread by Laura Schroff and Alex Tresniowski A Single Shard by Linda Sue Park My Word for 2019 Why You Should Choose a Word for the Year Free Printable Word of the Year Ideas My Word of the Year for 2018 One Word for 2016 CrystalPaine.com MoneySavingMom.com YourBloggingMentor.com My Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal@moneysavingmom.com How to Listen to The Crystal Paine Show The podcast is available on iTunes, Android, Stitcher, and Spotify. You can listen online through the direct player here. OR, a much easier way to listen is by subscribing to the podcast through a free podcast app on your phone. (Find instructions for how to subscribe to a podcast here.) Ready to dive in and listen? Hit the player above or search for “The Crystal Paine Show” on your favorite podcast app. Did you choose a word for 2020? If so, I’d love to hear what it is and why you chose it! [...]
1
30

Why I’m Not Setting Yearly Goals in 2020

click photo for more information
Why I’m Not Setting Yearly Goals in 2020
This post may contain affiliate links. Read my disclosure policy here. In a very big and bold move, I decided to not set yearly goals in 2020. That might seem super out of character for someone like me who has long been a huge proponent of goal-setting. And it is very unusual. But I feel so happy about this change for this year. Here’s why: I’m writing a book, having a baby, and we’re likely taking in at least one (if not multiple) kids who are in foster care for longterm placement this year. And those are just the things I know are on tap for 2020! Because of this, I decided not to set yearly goals (especially considering how all the unexpected played into my goal-setting in 2019) and I’ll be setting weekly goals instead. I’ll be sharing these goals every Monday here on the blog. I’m guessing that there will be somewhere between 6-12 goals each week, depending upon the week and how much is on my plate that week. Even though it’s not quite 2020 yet, I decided to jump in and start weekly goal-setting today. Here’s my list of goals for this week: 2020: Week 1 — Goals Personal Goals 1. Get in 50,000 steps total. 2. Finish reading Parenting and An Invisible Thread. 3. Get up at 5:30 a.m. Monday, Tuesday, Thursday, and Friday. Home/Family Goals 4. Declutter the entire house (This has needed to be done for months! Follow along on Instagram stories this week as I’ll be sharing more behind-the-scenes of my decluttering!) 5. Finish reading aloud A Single Shard together. 6. Start a new family devotional book together. (Any great suggestions for this?) Work/Blog Goal 7. Spend 12 hours on my manuscript outline.  8. Open up the blogging Mastermind to new members. 9. Get everything ready for course sale next week. Word of the Year Goals 10. Pop popcorn and watch a movie as a family. 11. Take Kaitlynn out shopping. 12. Make tea, light a candle, and write thank you notes. *Note: I’ll be sharing my word of the year for 2020 tomorrow. Any guesses as to what it is, based upon goals #10-#12 above? Want to join me in weekly goal-setting? I’d love for you to check in every Monday and share how you did on last week’s goals + your goals for the coming week. Leave your goals for this week in the comments below! [...]
1
36

What will trigger Wall Street Adoption of Bitcoin?

click photo for more information
What will trigger Wall Street Adoption of Bitcoin?
Editor’s Note: this is the 6th post on Daily Fintech, written in 2014 – well before the ICO wild days of 2017. To give our authors a break over the holidays, we are re-posting from our archive of over 1,000 articles. Rather than pick favourites we elected to simply repost the first 8 articles (as that was over 5 years ago you may have missed them; we were pretty unknown then).  As we close out 2019, make a resolution to be smarter about Fintech in 2020 by subscribing for just US$143 a year (= $0.39 per day). You will get all our fresh daily insights and participate in our forum. You can also read our archives with over 1,000 articles, an example of which you are reading from over 5 years ago. We look forward to welcoming you to the Daily Fintech membership community today! This is one of a series called Explorations down the Bitcoin rabbit hole. Bitcoin is: 1. A payment network 2. A currency 3. A store of value. So far I have focused on 1 & 2. In this post, I am focused on 3. Call it a currency or call it a commodity (as the IRS does), the store of value question is simply “will I get a better risk-adjusted total return than other alternatives?” Let’s parse that question for Bitcoin: “Total return”. This means capital appreciation PLUS Interest (Bonds) and Dividends (Equity). You receive no Interest or Dividends if you hold Bitcoin. Indeed the cost of Cold Storage makes it a cost to own Bitcoin. “risk-adjusted”. Bitcoin is more like Gold, which also pays no Interest or Dividend and you pay to store it in a vault. Gold has thousands of years of price history, Bitcoin about 5. It is inconceivable that Gold value will decline to zero. It is possible that Bitcoin will decline to zero; unlikely but possible. It is inconceivable to forecast a 10x or 100x return for Gold but one can paint many scenarios in which the price of Bitcoin will be 10x more than it is today (which makes it a 100x return for early speculators and miners). So, you might lose everything or you might get a 10x or 100x return. Does that sound familiar? Or course it does, this is like investing in tech startups. If this is like investing in startups, what stage is the deal? Is this Seed or Series A or B or C or is it IPO stage? I don’t think it is Seed stage. That was investing in Bitcoin in 2010. Today it is more like a Series A deal. You probably won’t lose everything at a Series A stage (a lot of the risk has been taken out by the time a venture gets to Series A). So the upside is also more constrained. Some ventures do get a 100x return from Series A valuation but 10x is a more reasonable expectation. It is easy to paint the scenario in which Bitcoin declines to zero. Merchant adoption stalls and a better cyber currency emerges to replace Bitcoin. To paint the 10x or more picture, we have to imagine things like: People in a significant sized economy with a failing currency (think Argentina, more than Zimbabwe which is too small an economy to make a difference) decide to use Bitcoin rather than US$. This sounds plausible enough until you try to imagine the actual scene where the black market guys exchange tourist dollars for Bitcoins and then the tourist offers Bitcoins to the vendor. Rich people worried about taxation, store their money offshore in Bitcoin rather than in US$. Again this sounds plausible, except for one inconvenient fact, which is that this is viewed as money laundering in most jurisdictions i.e. illegal. If somebody does this illegally, they won’t want to keep it in Bitcoin, they will want to turn it back to Fiat and get Interest and Dividends. Gold bugs become Bitcoin hoarders. Despite a libertarian bent to both communities, I see this as unlikely. Gold bugs love the fact that it is physical and has thousands of years of history. If any of the above scenarios pans out, fast money such as Hedge Funds and retail currency speculators will pile into Bitcoin and then there will be “meltup” in price. That will lead to more hoarding and so more price rises. What I find hard to see is what sort of investor will feel drawn to this type of risk/return. If you like 10x or 100X upside with the possibility of 100% loss, you will be drawn to investing in startups. If Bitcoin succeeds as a payment network, it won’t have much impact on the price, it will just be an enabler for lower cost payments. For bitcoin to succeed as a currency it needs to become boring and non-volatile, floating up a down compared to Fiat currencies like USD floats up and down compared to EUR. Speculators will find something else to play with. For Wall Street to get really comfortable with investing in bitcoin, they will want an ability to short bitcoin. That of course will help to stabilize the price and ensure that it is less volatile, which will make it less attractive to speculators. Of course, the reality is that Wall Street does not need to get comfortable with investing in Bitcoin, they just need others to get comfortable. If Wall Street firms can earn fees and commissions from selling Bitcoin, they will do so and many will become rich from doing this even if investors actually lose money (“where are the customer’s yachts?”). These periods of irrational investing last longer than a rational person might expect, but they do eventually implode. Personally, I prefer the risk/reward of tech startups and I think that Bitcoin the payment network and bitcoin the currency is fundamentally at odds with the volatility that speculators love. If Bitcoin does become a viable currency, it can be traded just like any other currency and will have similar levels of volatility, which still leaves plenty of room for intra day trading to make money. This is one of a series called Explorations down the Bitcoin rabbit hole. As we close out 2019, make a resolution to be smarter about Fintech in 2020 by subscribing for just US$143 a year (= $0.39 per day). You will get all our fresh daily insights and participate in our forum. You can also read our archives with over 1,000 articles, an example of which you are reading from over 5 years ago. We look forward to welcoming you to the Daily Fintech membership community today! The post What will trigger Wall Street Adoption of Bitcoin? appeared first on Daily Fintech. [...]
1
32

Life Update: Pregnancy (Week 22) + our trip to Kansas for Christmas

click photo for more information
Life Update: Pregnancy (Week 22) + our trip to Kansas for Christmas
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 22 weeks!! And this week’s pregnant belly picture is brought to you from our Starbucks bathroom road trip pit stop (we drove back from Kansas yesterday). HIGHLIGHTS I’m so grateful to be feeling great overall! It was such a blessing to be able to enjoy Christmas! I only had two days where I felt pretty nauseous and one really bad night. Besides that, other than moving at a slower pace than usual and lingering congestion and cough from my recent head cold, I am feeling so good!! NOTABLE This trip to Kansas to visit family for Christmas was our last big planned trip before the baby arrives. That’s pretty surreal to realize — that the next time we’re in Kansas, we’ll have a baby with us (and maybe another child or two from foster care, too!) It seems like the time is flying by right now and I’m trying to soak it up! CRAVINGS I was able to enjoy most all the Christmas food, including one of my mom’s amazing Peanut Butter Bon-Bons! Weight gain: 14 lbs. We traveled to Kansas to spend Christmas with both of our extended families. (We’re so blessed that they live about 5 minutes from each other!) My dad — ever the practical one! — buys a live evergreen tree for their Christmas tree each year. They only keep it in the house for two days and then he plants it on their land afterward. We all got matching blinking light hats for Christmas! We’re getting ready to celebrate 17 years of marriage — oh how I love this man! My dad usually does a scavenger hunt for the kids with their gifts, complete with poems that take them all over the house to find their gifts! Christmas morning with Jesse’s side of the family always starts with group pictures in jammies. Jesse with his siblings… this was the best picture I got as they were all giving each other a hard time and then only half of them would be looking at the camera at once. (Jesse’s face here is all, “Are we done with pictures yet??”) My nephew was SO excited about this Batman costume he got! We finished out the day like usual — with stockings. The kids were so anxious to tear into theirs, but they waited patiently so we could snap another picture! 🙂 In Case You Missed It: All the details on our family Christmas celebration Maybe you needed this reminder this Christmas? Why I Failed on My Goals for 2019 The Top 10 Books I Read in 2019 [...]
1
56

Bitcoin transaction volume through merchants is the single most important metric in the Bitcoin economy

click photo for more information
Bitcoin transaction volume through merchants is the single most important metric in the Bitcoin economy
Editor’s Note: this is the 5th post on Daily Fintech, written in 2014 – sadly not much progress on this front in 5 years. To give our authors a break over the holidays, we are re-posting from our archive of over 1,000 articles. Rather than pick favourites we elected to simply repost the first 8 articles (as that was over 5 years ago you may have missed them; we were pretty unknown then).  As we close out 2019, make a resolution to be smarter about Fintech in 2020 by subscribing for just US$143 a year (= $0.39 per day). You will get all our fresh daily insights and participate in our forum. You can also read our archives with over 1,000 articles, an example of which you are reading from over 5 years ago. We look forward to welcoming you to the Daily Fintech membership community today!   The future of Bitcoin as an alternative currency is tied to one simple metric – merchant acceptance and the velocity of money through those merchants.   Bitcoin has potential as a) a payment network, b) a store of value that you can invest/speculate in and c) a currency. This article is only about bitcoin as a currency.   Like others before me, I have become more positive about the future of bitcoin the more that I learn about it. A few months ago I would have leaned to the view that Bitcoin the payment network had a great future but that bitcoin the currency would be a footnote in history. Today I am more positive, because the trend lines and motivations around merchant acceptance are positive.   If mainstream merchants accept bitcoin, it will thrive. If not, anybody owning bitcoin will need to first transfer bitcoin into Fiat currency and the regulatory off ramp problem will kill it as an alternative currency. Without mainstream merchant acceptance, bitcoin the currency will live on only in the shadow economy and become a footnote in history. Forget the headlines about bitcoin price fluctuations or the latest VC deal; these are “noise on the line” compared to merchant acceptance.   We have been through two phases of merchant acceptance and we may be about to start the third phase (phases overlap i.e. one does not have to end before another one begins):   Phase 1. Illegal online transactions, made famous by Silk Road. This got some media attention and confirms the old saying that, “there is no such thing as bad press”.   Phase 2. Attracting rich Bitcorati for legal products. This is the phase we are in today. The merchant logic here is very simple. If a rich person wants to pay me in some unusual currency, I am motivated to accept that currency. Enough people got rich speculating in bitcoin or mining bitcoin in the early days for this to be a real niche market. These Bitcorati are bitcoin enthusiasts, so if they see two objects they desire equally and one says “we accept bitcoin” then that rich Bitcorati will choose the merchant who accepts bitcoin. This is fundamentally different from phase 1 because a) it is legal and b) we will start to see merchant success stories akin to the merchants who were early adopters on the Internet.   The enabler for phase 2 is the elimination of the volatility problem. The same volatility that is a boon for speculators is a showstopper issue for merchants. There is no value in getting rid of those hated 2-3% Credit Card fees if the bitcoin price moves more than that before you can use it to pay your suppliers and live your life.   The two leaders in processing Bitcoin for merchants are Coinbase and Bitpay. At time of writing both claim 35,000 merchants. Both have raised a lot of money from top tier investors. Their pitch to merchants is that accepting Bitcoin is as easy as accepting a credit card – with lower fees. Coinbase’s pitch to merchants for example:   “When a sale is made, you can instantly sell the bitcoin received to Coinbase to avoid exposure to bitcoin volatility.”   A leader in merchant adoption could be the first VC backed Bitcoin success, analogous to the Netscape moment. An IPO would give the venture mainstream visibility and kick-start the next wave of Bitcoin innovation, funding and adoption. It’s a pity that the bar is so much higher for an IPO than it was 20 years ago, but that is another story.   The tipping point is simple. It comes when merchants switch from asking, “why should I bother accepting bitcoin?” to, “is there any good reason not to accept bitcoin?” When that happens and consumers see the bitcoin symbol on more merchants checkout (online or offline) they will be more interested in paying by bitcoin.   2014 has been a good year so far for merchant adoption with the following big e-commerce players announcing that they are accepting Bitcoin – Overstock, Dell, DISH, TigerDirect and Newegg. Overstock was the bridge from Phase 1 to Phase 2. Patrick Byrne, the founder CEO of Overstock is known as a critic of the establishment while running a large mainstream business.   We have to move beyond the Bitcorati to get to the tipping point. Somebody who has not got Bitcoins from mining or speculating early in the game has to be motivated to buy using bitcoin instead of a credit card. I have been talking to some small merchants to ask them what might trigger them to accept bitcoin. These are merchants who do not have an obvious Bitcorati customer base; some may do so and the merchant won’t know until they try which speaks to the “is there any good reason not to accept bitcoin?” story. Most had been totally put off Bitcoin due to the volatility issue and the story that the volatility problem has been fixed has not yet reached them.   However in their busy lives, there still has to be a good reason to take the time and trouble to accept bitcoin. One story that made these merchants think about accepting bitcoin came up a couple of times and this could become Phase 3 of bitcoin merchant adoption:   Phase 3. Micro-multinationals who want to accept international customers. Big businesses have already got doing business globally nailed. Small businesses don’t have very good solutions that are a) easy to implement b) inexpensive. Getting international payments via credit cards is easy but expensive; you pay a lot for the currency transfer back to your home currency. You could accept payment in foreign currencies but that gets complex. First, you have to decide which foreign currencies to offer and Murphy’s Law says that the one currency that you omitted is the one that your ideal customer wants to use (an American merchant may enable EUR and GBP and miss the Swiss customer who really wanted that high margin upmarket product as long as she can pay in CHF). Then you will have the hassle of getting your bank to accept multiple deposits in foreign currencies and when they do that you will find that you lose a lot when your bank converts it back to your home currency.   Doing this via bitcoin won’t be simple, but at least Bitcoin will be solving a real problem for merchants. Nobody has sized the micro-multinational market, but anecdotally it is large and tools such as VOIP now make it more natural to transact across borders, so this is likely to increase. This Phase is important because it will get more consumers (who have not mined or speculated) to use bitcoin. Lets say a consumer wants to buy something online that is priced in a foreign currency. If consumers see a simple calculator that tells them how much cheaper it is to pay via bitcoin than their credit card or debit card and it looked as easy as using their credit or debit card, consumers may give it a go. Phase 4. When Bitcoin becomes universal, just another option alongside cash and the usual Credit Cards in main street shops and e-commerce sites. To look at how could Bitcoin to cross the chasm from early adopters (Bitcorati and Micro-multinationals) to a universal payment option, we need to move into some spec [...]
1
42

The real value of Bitcoin is in the P2P stack

click photo for more information
The real value of Bitcoin is in the P2P stack
Editor’s Note: this is the 4th post on Daily Fintech, written in 2014 – well before the ICO wild days of 2017. To give our authors a break over the holidays, we are re-posting from our archive of over 1,000 articles. Rather than pick favourites we elected to simply  repost the first 8 articles (as that was over 5 years ago you may have missed them; we were pretty unknown then).  As we close out 2019, make a resolution to be smarter about Fintech in 2020 by subscribing for just US$143 a year (= $0.39 per day). You will get all our fresh daily insights and participate in our forum. You can also read our archives with over 1,000 articles, an example of which you are reading from over 5 years ago. We look forward to welcoming you to the Daily Fintech membership community today! This is one of a series called Explorations down the BItcoin rabbit hole. Will developers use Ripple, Ethereum, Maidsafe or Open Transactions or some combination to build the killer apps of the Bitcoin era? As I started down the road to understanding Bitcoin, one of the most confusing things was distinguishing between a payment network (“Bitcoin” upper case) and a currency unit (“bitcoin” lower case). That is now the first thing I explain to people who ask me about bitcoin. It is lower case bitcoin – the currency – that has the media attention. It is simple enough to understand; it could be like gold or tulips or a reserve currency that replaces the US$ for international trade. It could be a currency or a commodity. Whatever it turns out to be (probably none of the above because the future always surprises) everybody understands the concept of a currency or a commodity. It is possible that lower case bitcoin – the currency – may not change the world. For the bear case, read Felix Salmon’s post and for the bull case read Ben Horowitz’s rebuttal annotated to his post. They set up a bet: Five years from now, in January, 2019, we’ll poll a representative sample of Americans. If 10 percent or more say they have used Bitcoin to buy something in the past month, Ben wins. If it’s fewer than 10 percent, Felix wins. Even if bitcoin the currency becomes a footnote in history, it is possible that Bitcoin the payment network based on Blockchain technology may change the world. This is what has VCs excited. A new payment network could not only disrupt the global financial services business (for good or bad depending on your point of view). It could also return the Internet to its roots as a decentralized P2P system (aka “re-decentralization”). A decade from now, centralized cloud servers may be seen as a footnote in the history of the Internet. For this to happen, we will need to see platforms that make it really simple for developers to create applications that reside on the unused cycles of all of our machines in order to deliver value to us in the way that Skype or Bit Torrent does. The emerging P2P Blockchain technology stack This got me exploring technologies that are sometimes tagged Crypto 2.0 or Bitcoin 2.0, such as Ripple, Ethereum, Maidsafe and Open Transactions. I prefer to think of them as an emerging Bitcoin stack (capital B, used for more than bitcoin the currency). If Bitcoin is as revolutionary as many believe, this stack will be at least as important as the Wintel stack that ushered in the modern digital age. Before diving into these platforms and the sometimes-heated debates between the adherents, it is worth reading the original Satoshi White Paper. He envisaged: “a solution to the double-spending problem using a peer-to-peer network” “Double-spending” is the problem created by the fact that anything digital can be copied (for almost no cost). Many ventures have used this perfect copy machine capability; it’s great for communications and media. However, for anything involving financial assets, this is a problem; if I own this asset, you do not own it. If you can simply copy the record that says that I own it, then I regard that as stealing. As anybody involved in cybersecurity will tell you, anything digital that is connected to the Internet can be copied i.e. stolen. Satoshi’s solution was to have a cryptographically verified record of each transaction stored on every computer in a P2P network, which he called the “Blockchain”. The Blockchain is fully distributed; it sits on every machine in the network. That is how the double-spending problem is solved and trust is enabled. You can “see” all the transactions. The “mining” concept is simply a way to financially motivate people to use their compute cycles to verify transactions. Many consumers have a strange image of peer-to-peer networks. They either see something illegal and piratical like Napster or they use something every day like Skype without realizing that it is peer-to-peer. That is probably the way that the Internet will return to its peer-to-peer roots; consumers will trust the Cloud and the Cloud will move from centralized servers to peer-to-peer networks. What is a seamless transition for consumers – the same product but just cheaper – will be a revolutionary change in the IT industry. Bitcoin and the Blockchain will play a key role in this as people start to grasp the strange notion that it is trustworthy precisely because it is peer to peer. This goes against all our 20th century faith in centralized institutions. Who will be the Red Hat of the Blockchain era? Any platform will have to be open source. Thus the question is who will be the Red Hat of the Blockchain era? Nobody wants “one Blockchain to rule them all”. Nobody wants to see this critical layer of the new financial services stack dominated by one company. Yet the logic of peer to peer will tend towards network effects and a winner takes all market (just like it did in the Wintel, Google and Facebook eras). Consumers will have to trust something enough to accept a download of code that will have control over their machine; this is a scary proposition and a level of trust that people won’t give to many companies. So the prize at this platform layer is huge. Building Internet scale decentralized P2P systems is technically really, really hard. Ask the guys who built Skype. Building a payment system is far harder than a VOIP system because the risk of loss is so much higher. Some noise on the line that forces you to ask your buddy to repeat something is OK and a small price to pay for getting something free; losing some money through a technical glitch is not OK. It is a hard technical problem because you have to deploy to millions of machines of varying power and type that are only intermittently connected to the Internet and deliver a service that is as fast and reliable as the centralized server based competition. This is not something that your average Ruby on Rails or Javascript developer can do. Yet, for the Internet to return to its roots as a decentralized P2P system, we will need the platforms and tools that make it as easy to build and deploy to a decentralized P2P network as it is to build and deploy to AWS or the machine in your closet. To understand this emerging stack, I started by interviewed people from two decentralized development platforms that use Blockchain concepts: Ethereum and Maidsafe. Warning, bleeding edge alert, these platforms are not yet ready for live applications; despite this they have many developers spending time on them because the prize, if they can deliver on the promise, is very big. First, I wanted to know if Ethereum and Maidsafe are competitors. It’s an obvious question that is being asked in Google searches and Bitcoin related forums, because they are both positioned as Blockchain related tools. Ethereum pitches itself as a full stack platform with a “logic layer” and a “storage layer”. However, as the Ethereum storage layer is based on Bit Torrent, Ethereum see their core competency in the logic layer and so the [...]
1
26

The Bitcoin off-ramp regulatory problem.

click photo for more information
The Bitcoin off-ramp regulatory problem.
Editor’s Note: this is the 3rd post on Daily Fintech, written in 2014. How things have NOT changed! To give our authors a break over the holidays, we are re-posting from our archive of over 1,000 articles. Rather than pick favourites we elected to simply  repost the first 8 articles (as that was over 5 years ago you may have missed them; we were pretty unknown then).  As we close out 2019, make a resolution to be smarter about Fintech in 2020 by subscribing for just US$143 a year (= $0.39 per day). You will get all our fresh daily insights and participate in our forum. You can also read our archives with over 1,000 articles, an example of which you are reading from over 5 years ago. We look forward to welcoming you to the Daily Fintech membership community today! Will the Bitcoin off-ramp regulatory problem limit it to transactions within national borders? Technically, converting Fiat to Bitcoin (on-ramp) and converting Bitcoin to Fiat (off-ramp) is easy. This is an Exchange function and the Internet is perfect for setting up Exchanges. So, the problem is almost entirely a regulatory problem. I don’t think there is an on-ramp problem. Regulators want to protect consumers against scams and frauds; they want to make sure that your grandmother does not buy fake Bitcoins. However it is hard to argue that one should prohibit the purchase of any commodity. The American tax authority, IRS, has declared that Bitcoin should be treated like a commodity. You can buy gold or wheat or tulips, so you can buy Bitcoin. Bitcoin is of course different from all other commodities, because Bitcoin is a digital commodity that can be transferred as easily as an email or any other digital file. Which leads us to the off-ramp, converting Bitcoin to Fiat. There are legitimate reasons for regulators to control the off-ramp. This is far too easy for money launderers and other bad actors to abuse. Libertarians can rant against this, but entrepreneurs and investors are wise to treat it as a fact of life. Betting against regulatory control of the off-ramp is a huge speculative risk. Regulators tend to be happy with a digital currency that only works within the borders of the nation state that they control. There are many of these already such as M-Pesa and and Dwolla. Google has their own currency which you can send as an email attachment – within the US only. So, regulators will be comfortable with the idea that you can buy Bitcoins in US$ for example and then convert those Bitcoins back to US$. This will be a way for traders/investors to buy Bitcoins in the hope that the price will go up and then sell them for a profit – just like any other commodity. Regulators are more keen to stop cross border transactions. That is hard for regulators because digital bits don’t stop at borders and present their passport. That is why regulators seek to control the off ramp. It is possible to imagine a fully regulated global money transfer business that allows you, for example: 1. Buy Bitcoins with US$ 2. Send those Bitcoins to the UK. 3. Convert the Bitcoins into UK £ This hypothetical fully regulated global money transfer business would have to go through all the usual KYC (Know Your Customer) checks that regulators have put in place to prevent money laundering and other illegal activity. In that case it cannot offer free exchange and existing money transfer businesses will be able to do exactly the same thing. Consumers who want to change currency only care about a) price and b) speed/convenience. If adding Bitcoins as an intermediate step makes it cheaper and quicker to change currency then this will happen. However, given a regulator/KYC level playing field, it is unclear how adding Bitcoin as an intermediate step makes the transaction cheaper/easier. This is one of a series called Explorations down the Bitcoin rabbit hole. As we close out 2019, make a resolution to be smarter about Fintech in 2020 by subscribing for just US$143 a year (= $0.39 per day). You will get all our fresh daily insights and participate in our forum. You can also read our archives with over 1,000 articles, an example of which you are reading from over 5 years ago. We look forward to welcoming you to the Daily Fintech membership community today! The post The Bitcoin off-ramp regulatory problem. appeared first on Daily Fintech. [...]
1
45

How to Plan Your Travel Rewards Strategy for 2020

click photo for more information
How to Plan Your Travel Rewards Strategy for 2020
As New Year’s resolutions go, “maximizing points and miles” might not be on the top of everyone’s list. But making a plan for how to earn and use points and miles in the coming year can make the difference between a stress-free travel year and an overwhelming one. Everyone has different reward travel plans and... Sam Kemmis is a writer at NerdWallet. Email: skemmis@nerdwallet.com. Twitter: @samsambutdif. The article How to Plan Your Travel Rewards Strategy for 2020 originally appeared on NerdWallet. [...]
1
53

Five Crypto Predictions for 2020

click photo for more information
Five Crypto Predictions for 2020
Twas the night before Christmas, and all through the house Not a trader was trading, not even a mouse; The stocking were hung by the chimney with care, In hopes that Saint Nicholas and Trezor were there; Investors were nestled all snug in their beds, While visions of Bitcoins danced in their heads; The sell orders were posted on exchanges with care, In hopes that a Bull Rally soon would be there; More rapid than lightning, the rallies they came, And he whistled, and shouted, and called them by name; “Now Bitcoin! Now Litecoin! Now Ether and Ripple! If Monero can double, then you can triple; The mining rigs hummed in the cellar with clatter, In hopes that new bitcoins would soon be there; From Papa John’s pizza all the way to the moon, You all will be riding the rocket ship soon; I heard him exclaim as he checked coin market cap, Merry Crypto to all and HODL for now! Ilias Louis Hatzis is the Founder at Mercato Blockchain Corporation AG and a weekly columnist at DailyFintech.com This year, 2019 was a decent ride picking up steam after the first quarter, while 2020 doesn’t seem ready to slow down or put on the brakes. Instead 2020, might be a breakaway year, especially after the halving in May. Who would of guessed that Libra’s wheels would come off? That Wyoming would be the only US state with friendly regulations for digital assets and digital-banking? That Bitcoin would have triple-digit gains since December 2018, when the market bottomed out? That cyberattackers compromised the Binance and made off with $41 million in Bitcoin? That Wall Street moved in with J.P. Morgan rolling out their own coin? That China went from a complete ban of cryptocurrencies to a highly publicized all in attitude on the blockchain? That crypto index funds and ETFs, among other things, would show us that with crypto, wealth building is for everybody? Nevertheless, 2020 is swiftly approaching and it’s time to start the crypto predictions. #1 Libra: Will go live, but with limited functionality Governments worldwide work overtime to regulate the rapid emergence of cryptocurrencies and companies in the industry. Facebook has faced enormous hurdles from regulators across the globe, for Libra. It’s not even certain whether the project will be launched at all, if regulators are fully in line with it. But iteration is part of Facebook’s core fabric. Nine years ago Zuckerberg said at a press conference, “We’re trying to be innovative and iterative with our development”. I think this will be how they approach the regulatory problems. An iterative approach can result in ever-closer approximations of a solution, as accuracy improves with each step. Most likely, Libra will go live in one jurisdiction and with very limited scope, partners and functionality, as Facebook iterates everything. #2 Digital yuan to be followed by digital euro and dollar While in recent years, China has moved to regulate the cryptocurrency industry, it has been avid supported of blockchain and has been developing its own digital currency, that it will launch in 2020. There has been a consensus among central banks that they need to control money. Mark Carney of the Bank of England, was probably the first leading central banker to talk about the importance for the West to embrace crypto and digitally-enabled money. Christine Lagarde, the ECB chief and former Managing Director of the IMF, thinks a digital euro is a good thing for the EU. It is very likely that Steve Mnuchin, US secretary of the treasury, will announce the digital dollar in 2020, continuing his past narrative about tracking cryptocurrencies. #3 Developing nations will embrace Bitcoin While the big global economies are working on the their own versions of fiat backed cryptocurrencies, there are three billion people around the world that don’t trust in their government issued money. Across developing nations in South America and Africa (Venezuela, Argentina, Brazil, Zimbabwe etc) , we’ve seen rapid adoption for Bitcoin. I expect that across many developing nations in the world, people will want to have a form of digital money that they can rely on. #4 Stablecoin heaven The stablecoin trend will continue. While stablecoins are still in the discovery stage, they have become the holy grail, with dozens of projects trying to develop a digital currency with low-volatility, that can withstand speculative attacks and debasement. In 2019, the stablecoin market cap grew from $3.3 to $5 billion. In 2020, the stablecoin market will exceed $20 billion, as we see the launch of Libra and a few others and multi-collateral DAI, accepting BTC and other assets as collateral. #5 The Lightning Network will do great things The existence of the Lightning Network on top of the Bitcoin blockchain, already enables cheap, private and instant transactions and payments. The current number of nodes are 10,861 and the number of channels is at 35,000, with the network capacity at 859 BTC (or $6.5 million). In December 2019, Bitfinex announced that their exchange would support Lightning Network transactions. Now even Airbnb allows customers to book stays using the Lightning Network via the Fold App. In 2020, we will see an increased number of applications like the Breez app, created on the Lightning Network. The new year, we will see crypto and blockchain move from away from something that’s trying to disrupt the old, into mainstream and becoming a bigger part of daily lives. With China’s digital currency set to be rolled out in 2020, digital money will come to the front and center stage. As global governments embark on a new moon race, to launch their own cryptocurrencies, mainstream adoption is set to accelerate. Subscribe by email to join the other Fintech leaders who read our research daily to stay ahead of the curve. Check out our advisory services (how we pay for this free original research) The post Five Crypto Predictions for 2020 appeared first on Daily Fintech. [...]
4
52

View Our 2020 Proxy Season Update Webinar

click photo for more information
View Our 2020 Proxy Season Update Webinar
On December 12, Katten partners Lawrence Levin and Mark Reyes, together with panelists from Ernst & Young and Meridian Compensation Partners, participated in a webinar discussing key developments and trends impacting public companies in the 2020 annual reporting and proxy season. To request access to a replay of the webinar, please click here. [...]
1
81

Life Update: Pregnancy (Week 21), Lots of Christmas Fun!

click photo for more information
Life Update: Pregnancy (Week 21), Lots of Christmas Fun!
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 21 weeks!! Full disclosure: I just woke up from an accidental hour-long nap before this was taken so if I look extra tired and groggy it’s because I was.😉 I had planned to do an outside picture this week, but it was already dusk when I woke up! Oh well! HIGHLIGHTS Baby has been moving like crazy this week! I feel like I’m finally starting to believe this is really and truly happening… in fact, I told Jesse yesterday, “We are having a BABY in less than 19 weeks!” In honor of the fact that I am beginning to believe this is really happening, I actually wrote out a list of to do’s that need to happen before April 30th (my due date). And I was a little surprised to see how many things were on the list! I don’t think I’m going to be bored these next 19 weeks — especially since I’m planning to write a 60,000-word manuscript in that timeframe, too! 😉 NOTABLE I’ve started to be able to see the baby kicking from the outside. The kids think it’s pretty much the coolest trick ever. They are all crazy in love with this child and it is so fun to witness as a mom. CRAVINGS Water, water, and more water. Plus, yogurt, cheese, and ice cream. Weight gain: 13 pounds Our church took all of the youth group leaders to GLOW Nashville one night this past week. It was c-o-l-d, but we had such a fun night, regardless! As we talked about on a recent podcast episode, one of our traditions for December is to create a family Bucket List where everyone gets to choose 1-2 things they want to do during the month of December. This year, Silas wanted to go back to the Gaylord Opryland — something we had done a few years ago. It’s a HUGE hotel that they decorate beautifully for Christmas. While there, we also went out to dinner at one of our favorite family restaurants — the Caney Fork Restaurant. We got Tableside S’mores — which is something the kids have talked about ever since they went there last time a few years ago! I went to get my hair done one day this past week and my hair guy did Christmas-themed foils… so I had Kaitlynn (who was with me) take my photo. Only after she took my photo did we realize the hilarious placement of the plant behind me! 🙂 We did our annual Dollar Tree Stocking Stuffer run on Saturday morning. (Read more about it here.) We are headed to Kansas tonight and will be there all week, so we celebrated our family Christmas with just the five of us today (Sunday). The kids helped plan the day and the menu — and then we all went shopping together! It’s so fantastic when your kids are not only old enough to help you plan your Christmas menu, but then they make some of the recipes, too! This girl got all dressed up on Saturday to go to her friend’s quinceanera. And then Sunday morning started bright and early with Silas and Kaitlynn waking us up by jumping on our bed because they were so excited about our family Christmas celebration! We all wore our matching Christmas jammies (Kaitlynn’s Bucket List item — she picked the jammies out, too), opened gifts, then had Cinnamon Rolls, bacon, and orange juice. Then we decorated a Gingerbread house, played a game together, and watched a Christmas movie. We also had yummy snacks — each person got to pick their snack choice for the snack spread. Now we’re getting ready to have a yummy Smoked Turkey that Jesse made with Sweet Potato Casserole, Mashed Potatoes, Layered Jello, Rolls, and Broccoli (everyone chose one of the recipes for our dinner, too!) and then open stockings together. And then we’re packing up and leaving to drive to Kansas! What a fun day! The aftermath after we opened presents this morning. A few thoughts on marriage from my heart… When we got married, I used to get so annoyed by him because I felt he was lazy and undisciplined. I tried so hard to fix and change him. I thought it was my job as a good wife to help him “improve”. So I nagged, I passively aggressively shared Scripture, I prayed hard for him to change, and I carried around constant frustration that he was never living up to the standard I had set for where I thought he needed to be. Yes, I was a model wife like that. Slowly, ever so slowly, God started changing my heart to stop trying to fix him and to start focusing on my own struggles and issues and short-comings. Guess what happened?? The more I focused on growing as a person, the more I began to see my husband in a different light. I began to see his differences not as problems, but as strengths. For instance, he doesn’t care so much about following a rigid schedule because he cares more about living fully in the moment and loving people well. That used to grate on my every last nerve. Now I see how God knew I needed to learn so much in this area from my husband. Today, I look at this man with new eyes of admiration and appreciation. I see how he is exactly the counterpart I need. I see how we balance each other out so well. And also, I see a man who constantly sacrificially loves his family and others. I see a man who is servant-hearted and fiercely loyal, a man who lays down his own needs for the needs of others, who cares deeply about others, and who always puts people above projects and to do lists. I see a man who is God’s greatest gift to me. ❤️ [...]
1
42

How I’m Changing the Way I Set Goals in 2020

click photo for more information
How I’m Changing the Way I Set Goals in 2020
Note: I said in the episode that next week we’d be talking about foster care next week. Well, I completely forgot that next week was Christmas! Whoops! We’ll be taking next week off for Christmas but then we’ll be back the week of New Year’s with an episode on our Word of the Year for 2020. And then the following week, we promise to do the foster care episode! Thank you for your grace! We’re nearing the end of the year and it’s time to reflect on this year to prepare for next. This is the time of year that Jesse and I sit down and review the past year. How did we do on our goals? What worked? What didn’t? What did we learn?  In this episode, we talk really candidly about our goals we set for 2019 and what worked, what didn’t work, what we learned, and how we’re changing up our goal-setting for 2019. If you’d enjoy a personal peek into what goal-setting has looked like for us, what we’ve learned about goal-setting, and how I’m completely changing the way I set goals in 2020, you don’t want to miss this episode. Psst! You’ll also get some first word news on a little of what you can expect on MoneySavingMom.com in 2020 (I think you’re going to like it — especially if you love my personal posts and enjoy my book posts and goal-setting posts!) We also give you a framework to reflect on your past year and how to use this as a reference point for setting goals. And by the way, even if you really despise the idea of setting goals, I think you’ll still enjoy this episode! In This Episode:  [00:49] Jesse and I are skipping our usual segments to dive straight into goal setting for the new year. [01:34] We share what our goal setting process looks like now versus in previous years. [03:27] Learn the three questions I ask myself as I reflect on the prior year. [03:50] Why should you set goals each year?  [05:36] Make sure your goals are serving you. [06:42] Jesse and I share the goals that worked in 2019. [13:44] Next we ask ourselves, what didn’t work for the year? [17:34] The third question I like to ask is, what did I learn?  [26:57] The last focus of goal setting for me is to think about what I hope for in the new year. [29:11] My two big goals for 2020? Have a baby! … and write a book. Plus, why I’m not setting yearly goals in 2020 and what I’m doing instead. Links and Resources: Michael Hyatt – The Full Focus Planner Choose Faith: Men’s Gratitude Journal Crystal’s Favorite Things on Amazon CrystalPaine.com MoneySavingMom.com Crystal’s Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal@moneysavingmom.com How to Listen to The Crystal Paine Show The podcast is available on iTunes, Android, Stitcher, and Spotify. You can listen online through the direct player we’ll include in the show notes of each episode. OR, a much easier way to listen is by subscribing to the podcast through a free podcast app on your phone. (Find instructions for how to subscribe to a podcast here.) Ready to dive in and listen? Hit the player above or search for “The Crystal Paine Show” on your favorite podcast app. Note: This post contains affiliate links. If you click through and make a purchase, we may receive a small commission — at no additional cost to you. Thank you so much for your support! [...]
1
47

Rite Aid: Deals for the week of December 15-21, 2019

click photo for more information
Rite Aid: Deals for the week of December 15-21, 2019
Looking for all the best weekly Rite Aid deals? Check out this list of the hottest deals you’ll find in-store this week! Here are the best Rite Aid deals this week, with thanks to Hip2Save for their help in compiling them. Buy 2 Scunci No Damage Ponytail Holders 18 ct at $2.19 each – On Sale Buy One, Get One 50% off Get $2 Wellness+ BonusCash when you buy 2 (limit 2) $0.64 each after cash Buy Advil Cold & Sinus 10 ct – $8.29 Use the $2/1 Advil Cold & Sinus coupon found here Use the $2/1 In-Ad coupon $4.29 after coupons Buy 2 Nature Made Zinc Tablets 30mg 100 ct at $5.49 each – On Sale Buy One, Get One Free Use the $2/1 Nature Made Vitamins coupon found in the 12/15 SS (exp 1/15) $1.74 after coupon Huggies Jumbo Pack Diapers 15-34 ct, Pull-Ups 12-25 ct or Goodnites 11-14 ct – 2/$18 Use two $1.50/1 Pull-Ups coupons found here Pay $15 Get $5 Wellness+ BonusCash when you buy 2 (limit 2) $5 each after coupons and cash Buy 2 Johnsons Baby Wipes 25 ct at $a2.99 each – On Sale Buy One, Get One 50% off Get $1 Wellness+ BonusCash when you buy 2 (limit 2) $1.74 after cash Purex Laundry Detergent 45-50 oz, 19 ct or Crystals 15.5 oz – $1.99 Use the $1/1 Purex Unit Dose coupon found here $0.99 after coupon See the full list of deals at Rite Aid here. [...]
1
37

Life Update: Pregnancy (week 19), our first foster care placement, plus more!

click photo for more information
Life Update: Pregnancy (week 19), our first foster care placement, plus more!
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 19 weeks!! It feels like the last two weeks have sort of dragged by slower than usual as I anticipated being at the halfway mark. I have a feeling once I hit 20 weeks, then it will feel like it flies by for a bit until I start anticipating 30 weeks and then 40 weeks. HIGHLIGHTS I definitely started looking more pregnant this week. A lot of people noticed it and it’s fun (and weird!) to look down and see a protruding belly! I also broke out my first pair of maternity jeans (see photo above!) which felt pretty monumental! NOTABLE I started taking only one dose of iron daily + one dose of Blood Builder (instead of a double dose of SlowFe). It seems like this combo is working well for my stomach + I seem to have had more energy this week and I have to wonder if the B12 is helping with that?! I’m still nauseous at least part of most every day and running on about 50% the energy that I usually am, but it’s SO much better than the first trimester and I’m so grateful! CRAVINGS Scrambled eggs, avocados, and sourdough toast with butter continue to be my go to’s. I also had this obsession with making a pie mixing yogurt and whipped topping and freezing it in a graham cracker crust (thanks to a suggestion from a follower for how to use up all this plain yogurt I got marked down at a crazy price!) Weight gain: 10 lbs. We bought and decorated a Christmas tree this week! I felt like we were at least a week behind the rest of the world in getting this up, but I guess there are no rules for Christmas, right? The good news is that because we waited, we were able to get the tree for half price! (Psst! If you’ve been around here for awhile, you’ll remember that we ditched having a big Christmas tree last year. But this year, we decided to bring back the tradition and we don’t regret it! Want to hear about more of our Christmas traditions? We all recorded a podcast as a family on that very topic.) Silas had this big wart on his finger that he got burned off this week at the pediatrician’s office. Growing up, I had to get a lot of warts burned off, so I felt so badly for him when he was in pain for the next day as a result. But he really wanted to get it taken off and it was so big that I didn’t think any of the natural remedies would work (I tried a bunch of them growing up, including ACV, duct tape, wart remover ointment, and more and none of them ever worked at all for me!!) Gratefully, the pain only lasted for a day and he’s really happy that it’s healing! Kathrynne had her first basketball games of the season this week. She’s on Varsity this year and has a new coach, so she’s being stretched in good ways. We love getting to cheer her on and try to go to every single game that we can go to. It becomes a fun family activity — and we also get to see new parts of TN as we drive to little towns in different places for her away games! We also had a big Christmas gathering for all of the youth group members from both campuses of our church + the leaders. I laughed so hard and it was such a gift during a very full week. (By the way, Jesse and I have just loved the opportunity to serve as youth group leaders this year. It has brought us so much joy and life to pour into these kids!) Friday afternoon, we got a call about a 3-sibling group in foster care that didn’t have a home for the weekend. They were 13, 11, and 3 and Jesse and I felt strongly we were supposed to say yes. It turned out to be such a wonderful weekend. Tiring, but such a gift to get to open our home up and love on these kids. They had never decorated Christmas cookies before, so we had a fun time baking and decorating cookies together. The 3-year-old gave Kaitlynn a makeover! 🙂 The stay included one night with very little sleep because the 3-year-old had a bad cough and it kept waking her up and then she’d get scared and cry. I finally figured out that if I laid next to her bed, when she woke up, she’d be a lot less scared if I was right there with her. Her cough got worse on Saturday, so I took her into urgent care just to be safe. Gratefully, no ear infection (she’d be complaining of her ears hurting) and just an upper respiratory infection. They suggested honey and a humidifier. We also found Zarbee’s cough syrup that was approved for kids under 6 (we discovered this weekend that almost no meds are approved for kids under 6! I think maybe things have changed since our kids were little?) and we gave her that on Saturday night and she only woke up twice!) We are so thankful we had the opportunity to open up our home this weekend — if only for a short while — to love on and provide a safe place for these kids to stay. I also have quickly realized how many big feelings are going to be involved in this foster care journey we’re on… as I told someone yesterday, it’s both beautiful and brutal. [...]
1
77

This Week in Fintech

click photo for more information
This Week in Fintech
This weekly summary from our 5 experts, brings you insights based on their experience as investors, entrepreneurs & executives. Ilias Hatzis started his first company, an internet search engine, during the dot-com era & now focusses on crypto. Efi Pylarinou worked for top tier Wall Street firms and is now a top global Fintech influencer. Jessica […] The post This Week in Fintech appeared first on Daily Fintech. [...]
1
103

The SME trends fintech companies need to know in the MENA region

click photo for more information
The SME trends fintech companies need to know in the MENA region
Jessica Ellerm is a thought leader specializing in Small Business and the Gig Economy and is the CEO and Co-Founder of Zuper, a neowealth disruptor in Australia. This week we turn our eyes to the middle east when it comes to SME fintech trends. Dubai based SME lender Beehive, has released its SME State of the […] The post The SME trends fintech companies need to know in the MENA region appeared first on Daily Fintech. [...]
1
85

Life Update: Pregnancy (week 18), a trip to Kansas, Thanksgiving meal prep

click photo for more information
Life Update: Pregnancy (week 18), a trip to Kansas, Thanksgiving meal prep
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. Week 18! I can’t believe I’m almost halfway!! HIGHLIGHTS Baby has been kicking up a storm and all the kids were excited that they were able to each feel kicks this week!! They want to sit and just keep their hands on my belly so they don’t miss any kicks!! NOTABLE I implemented some of your suggestions for heartburn and sleep and while I can’t point to one specific thing that I’m certain worked, I am thrilled to report that I only had one really bad heartburn/nausea day this week and I’m positive it was because I wasn’t super careful with what I ate that day. Otherwise, I had very little heartburn this week and I slept for six hour stretches multiple nights!! Also notable: this week marked my last planned flights until (likely) well after the baby is born. It feels weird that, if all goes as planned, I won’t be hopping on a plane again for months and months! I’m excited to get to stay home and write my next book, possibly get to love on and care for a child who is in foster care (we think there’s a good chance we’ll be getting a placement soon!), and start prepping for bringing this new baby into our home! CRAVINGS Scrambled eggs and avocados with sourdough toast and butter (this has become one of my go-to meals) and frozen yogurt. Also, I absolutely loved the turkey and mashed potatoes at Thanksgiving! It hit the spot! WEIGHT GAIN: 9 lbs. We went to Wichita, Kansas all week to spend time with both sides of our family. I took almost zero pictures the entire time because I was just offline and soaking up the time with family, so I have almost none to show of our time there. But it was a really fantastic trip and we’re so glad our families both live so close so that we can spend holidays with both sides! We all enjoyed getting to spend a lot of time with so many of the nieces and nephews/cousins. Each year, we have two family Thanksgiving celebrations with extended family on Thursday and everyone who comes signs up to bring parts of the meal. This year, because I’m running on a lot less energy that I usually have, I asked the kids if they would be willing to help out. They each signed up to make one item for both houses. Kathrynne made Pistachio Salad and Green Bean Casserole. Kaitlynn made two Apple Pies (be sure to check out the braided crust she did — see below!). Silas made two Pumpkin Pie fillings. And Jesse peeled and cut up 10 lbs. of sweet potatoes. All I did was oversee, make pie crusts, and finish the two Sweet Potato Casseroles — and we were done in two hours with everything! Mamas of littles, holidays might be really hard right now. You’re tired. There’s so much to do. And you have to do so much of it yourself. Well, just hang on… there’s a day coming soon when your kids will be old enough to not only take care of getting themselves dressed and fed, but they’ll be cooking Thanksgiving dinner for you, too! What I’m… Reading: Parenting and The Killing Tide Watching: We subscribed to Disney+ for December at the kids’ request since we usually watch a lot more family movies together this month! The kids are loving it! We watched 12 First Dates last night as a family. This was a fun, feel good movie that reminds us to see our blessings right in front of us. (Note: It was a big cheesy in parts, had a tiny bit of mild language in it, and was definitely a bit of a rip-off of Groundhog Day, but we all still enjoyed it.) What are your family’s favorite Christmas movies? Listening to: Christmas Music! (Of course!) Also, after months of getting nauseous from listening to audiobooks (just one of the many weird things that makes me sick to my stomach in pregnancy!), I just downloaded a few from Libby and am going to try again this week! Loving: That it’s December and we have so many memory-making plans for this month! It’s one of my favorite months and I’m excited about it! What are you reading, watching, listening to, and/or loving? I’d love to hear! [...]
1
120

The Block vs Binance intersection of niche media implosion and Crypto Fintech cambrian explosion

click photo for more information
The Block vs Binance intersection of niche media implosion and Crypto Fintech cambrian explosion
Daily Fintech lives at this intersection. Thankfully we avoided the temptation to monetize via advertising and as we are self funded we have no pressure to meet external growth expectations (which is the sort of pressure that leads to sacrificing editorial independence). So the media implosion does not worry us and we can focus on […] The post The Block vs Binance intersection of niche media implosion and Crypto Fintech cambrian explosion appeared first on Daily Fintech. [...]
2
226

This Week in Fintech

click photo for more information
This Week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article and a brief summary with links to the daily articles. If you want to continue […] The post This Week in Fintech appeared first on Daily Fintech. [...]
1
100

This Habit Saves Me Money and Stress All Week Long

click photo for more information
This Habit Saves Me Money and Stress All Week Long
Figuring out what to cook for dinner every night can add stress to an already long day. But going out to eat or picking something on the way home adds up to a pretty penny. What if there was a way to avoid the hassle of what’s for dinner and save money in the process? Enter meal planning. This one switch — from deciding what to eat on the fly to planning out your meals &#8212. [...]
1
105

Glass Lewis Releases 2020 US Proxy Paper Guidelines

click photo for more information
Glass Lewis Releases 2020 US Proxy Paper Guidelines
On November 1, Glass Lewis released its 2020 US Proxy Paper Guidelines. The updates to the voting guidelines primarily add additional factors that Glass Lewis will review when evaluating proposals and issuing its voting recommendation for shareholders. According to Glass Lewis, the updates seek to fulfill Glass Lewis’ overarching goal of protecting and enhancing shareholders’ interests by (1) continuing to increase transparency at the board level, both with respect to the selection of board members and with respect to decisions the board undertakes, and (2) discouraging companies from undertaking actions that would bypass the shareholders’ ability to vote on matters deemed important by Glass Lewis. Significant updates to the voting guidelines are summarized below. Nominating and governance committee assessment In September, the SEC issued guidance stating that when a company seeks to exclude a shareholder proposal, the SEC will inform the shareholder and the company of its position to (1) concur, (2) disagree or (3) decline to state a view with respect to the company’s asserted basis for exclusion. The SEC further clarified that, beginning with the 2019-2020 shareholder proposal season, the staff may also respond to no-action requests orally rather than in writing. Glass Lewis clarified that it will recommend voting against all members of the governance committee if a shareholder proposal is omitted and either (a) the SEC declines to state its view with respect to the company’s basis for exclusion or (b) the SEC verbally permits the exclusion, but there is no written record and the company fails to provide any disclosure regarding such relief. Glass Lewis also added additional factors that it will consider when evaluating governance committee members’ performance. In particular, Glass Lewis will recommend voting against the chair of the nominating and governance committee if (1) board and committee meeting attendance records of directors are not disclosed or (2) a director attended less than 75 percent of board and committee meetings, and the disclosure is vague to a point where it is not possible to determine such director’s identity. Audit committee and compensation committee assessments Glass Lewis also established additional factors that it will consider when evaluating audit committee and compensation committee performance. In particular, Glass Lewis will generally recommend voting against the chair of an audit committee if fees paid to a company’s external auditor are not disclosed. In addition, Glass Lewis will recommend voting against all members of the compensation committee if the board adopts a frequency proposal for its advisory vote on executive compensation and such proposal was not approved by a plurality of shareholders. Contractual payments and arrangements for executives Glass Lewis clarified that, with respect to ongoing and new contractual payments and executive entitlements, it disfavors contractual agreements that include excessive severance payments, new or renewed single-trigger, change-in-control arrangements, excise tax gross-ups, multi-year guaranteed awards and other provisions that Glass Lewis considers to be problematic. Similarly, contractual arrangements providing for problematic entitlements that are not addressed upon renewal or revision are viewed by Glass Lewis as a missed opportunity to remedy provisions unfavorable to shareholders and could lead to a negative voting recommendation. Company responsiveness to say-on-pay Glass Lewis further clarified what it considers an appropriate response to low shareholder support for prior say-on-pay proposals, including the levels of responsiveness based on the severity and persistence of shareholder opposition. Glass Lewis may recommend voting against future say-on-pay proposals if, in response to negative shareholder feedback, a company with low (less than 80 percent) support on a say-on–pay proposal fails to provide robust disclosure of engagement activities and specific changes in response to shareholder feedback. Exclusive forum provisions Glass Lewis generally recommends voting against the chair of the governance committee if the board adopts an exclusive forum provision without shareholder approval. However, Glass Lewis may now make exceptions to this policy if it can be reasonably determined that the exclusive forum provision is narrowly crafted to suit the company’s specific circumstances. In addition, Glass Lewis has made various minor clarifications and edits to its guidelines. The full text of the Glass Lewis 2020 US Proxy Paper Guidelines is available here. [...]
1
162

Top 7 Global Fintech Trends 2019

click photo for more information
Top 7 Global Fintech Trends 2019
This is my third year at DailyFintech. Looking back, this year has been the most eventful year of the three, with several significant Fintech trends emerging across the world. Typically, I am not a big fan of the “Top” titled posts. But, I have had to use it, thanks to the events of 2019. A few […] The post Top 7 Global Fintech Trends 2019 appeared first on Daily Fintech. [...]
1
99

Gamification via a Fintech ecosystem wins a UN Global Climate Action Award

click photo for more information
Gamification via a Fintech ecosystem wins a UN Global Climate Action Award
A 3yr old Corporate Social Responsibility – CSR – initiative that took a life of its own, has resulted in a 2019 UN Global Climate Action Award for Alipay AntForest App. A great example of gamification and network effects on an ecosystem like Alibaba. At launch, it was one of the many charity projects that […] The post Gamification via a Fintech ecosystem wins a UN Global Climate Action Award appeared first on Daily Fintech. [...]
1
112

Life Update: Pregnancy (week 16), a trip to Wichita, the Blissdom blogging conference

click photo for more information
Life Update: Pregnancy (week 16), a trip to Wichita, the Blissdom blogging conference
This post may contain affiliate links. Read my disclosure policy here. Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 16 weeks!! (And excuse the sort of goofy pose/facial expression. I was hanging out with some good blogging friends after the Blissdom conference on Friday night and we were all laughing over something right before this photo was taken and I couldn’t stop laughing enough to take a more normal looking photo!) Jami Balmet is pregnant with baby #6 (she had two sets of twin boys in two years and then she had a little girl!) and we are both due on the same day so we had to get a belly shot! We were teasing her that she’s so chill about her pregnancy because she’s so experienced that she rarely ever talks about it online. Whereas I’m over here documenting everything like a first-time mom! HIGHLIGHTS I can feel the baby moving a lot more — especially in the last few days. The kids are so hopeful they’ll be able to feel movement on my tummy soon. I keep telling them it likely won’t be for another few weeks, but they are super excited about it. NOTABLE I have finally been able to start drinking more water again after weeks and weeks of having to get super creative in getting in liquids since water made me sick. As someone who used to drink a gallon of water everyday, this has been a challenge and I’m so happy to be back to my water-guzzling habits! CRAVINGS I have been ravenously hungry this past week! It seems the baby is going through a big growth spurt or something. I am so grateful that I have been able to get back to eating much healthier now, even if I do still crave pizza and tacos and (now) desserts. But hey, being able to eat and enjoy salads after so many weeks of just eating whatever I thought I could keep down has been so nice!! WEIGHT GAIN: 9 lbs. How are the rest of you pregnant mamas doing?? I got to fly down to Wichita, KS for my mom’s 66th birthday this past weekend. Unfortunately, I only got one picture (the one above of my parents) because I was so focused on just hanging out with my family. I am so grateful that I had the opportunity to go. Since we’ll likely be opening up our home soon to a child (or children) in foster care and I’m having a baby in the spring, I know that I probably won’t be able to just hop on a plane and go somewhere by myself in the coming months and years! I love these three more than words can describe — but I kinda wish that they had a little more personality. 😉 We went to get their passports renewed over lunch break on Tuesday. (Kathrynne is going to Suriname in the Spring so we renewed them all while we were at it!) In my usual desire to document life so I don’t forget, I asked them all to stand under the passport sign so I could take a cute picture of them. I said, “Smile!” and this was the result. Of course I could have said something like, “C’mon guys, actually smile for me!” (And I do say that sometimes!!) But I also love having photos like this that show their personalities way more than a perfectly staged smiling picture ever would. I’m trying to soak up these days, these moments, these personalities, these people who are growing up so quickly. It’s hard to think they were once tiny babes in my womb! Also, this current tiny human in my womb has no idea what they are in for when they arrive into this world!! These three already have a host of plans, ideas, and dreams for how they will be loving on, nurturing, teaching, and spending time with the baby and I can hardly wait to get to watch them all interact together (though I’m wondering if I’m ever going to get to hold the baby myself! Maybe at the midnight feedings?!?) I got to speak at the Blissdom blogging conference on Friday on the topic of live video (one of my favorite topics!). It was so good to get to meet some of you there! While I love getting to speak, one of the best parts of conferences is getting to connect individually with people after I speak! I love hearing stories and providing individual encouragement and cheerleading! I loved getting to meet and do an interview with Jo Saxton on leadership. One of the best parts of the conference was getting to see so many longtime blogging friends! A bunch of these women had gotten an AirBnB together and they invited me to come over afterwards for dinner. I haven’t laughed as hard as we laughed in a really long time. It was such a gift for my soul! What I’m Currently… Reading: Families Where Grace is in Place and The Killing Tide Watching: You’ve Got Mail (I haven’t watched this in ages! We had a discussion about AOL recently as a family and I remembered this movie so I watched it with the girls to give them a better understanding of what email was like when we were teenagers!) Listening to: Christmas Music! Loving: The fact that I’ve finished all my business travel + speaking engagements for 2019! I’ve loved getting to travel and speak and meet so many of you this year, but I’m also grateful that I get to stay home now and just enjoy my family and making special memories together for the holidays (plus begin work on the new book I’m writing in 2020!) In Case You Missed It… This Past Week’s $63 Grocery Shopping Trip — Plus, see our dinners that we ate last week. 20+ Gifts for Outdoor Adventurers Under $30 — This is a great gift guide for the nature lover/hiker/outdoors person in your life! The Enneagram & Marriage — Whether you love all things Enneagram, are skeptical of it, or don’t even know what it is, I think you’ll enjoy this candid conversation Jesse and I had about our differences, how we have worked through them, and what it looks like to love and respect someone who is the complete opposite of you in many ways. 20+ LEGO Gifts Under $30 — Do you have a LEGO lover in your life? Sometimes finding the perfect set to give as a gift can be difficult. Check out this list of LEGO gifts for some ideas! [...]
2
161

This Week in Fintech

click photo for more information
This Week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO of Daily […] The post This Week in Fintech appeared first on Daily Fintech. [...]
1
69

These Are the Tax Brackets for 2020 (Plus 4 Tax Changes to Know About)

click photo for more information
These Are the Tax Brackets for 2020 (Plus 4 Tax Changes to Know About)
The year 2020 is looking a lot like 2019, at least in terms of taxes. The IRS just released its inflation adjustments for 2020 federal income tax rates and brackets. While these changes are unlikely to have a huge impact on your bottom line, there are a few things you should be aware of heading into the new year. Because these are the 2020 tax rates, they’ll determine your tax bill that will be due in 2021. You’ll use 2019 rates and brackets when you file your taxes on or before April 15, 2020. How the 2020 Tax Brackets Break Down There are seven tax brackets that range from 10% to 37%. The 2020 tax brackets break down as follows: Unmarried Individuals Tax Bracket Taxable Income 10% Up to $9,875 12% $9,875 to $40,125 22% $40,125 to $85,525 24% $85,525 to $163,300 32% $163,300 to $207,350 35% $207,350 to $518,400 37% Over $518,400 Married Individuals Filing Jointly or Surviving Spouses Tax Bracket Taxable Income 10% Up to $19,750 12% $19,750 to $80,250 22% $80,250 to $171,050 24% $171,050 to $326,600 32% $326,600 to $414,700 35% $414,700 to $622,050 37% Over $622,050 Heads of Household Tax Bracket Taxable Income 10% Up to $14,100 12% $14,100 to $53,700 22% $53,700 to $85,500 24% $85,500 to $163,300 32% $163,300 to $207,350 35% $207,350 to $518,400 37% Over $518,400 Pro Tip Not sure of your filing status? This interactive IRS quiz can help you determine the correct status. If you qualify for more than one, it tells you which one will result in the lowest tax bill. Tax rates apply to the income within each bracket. So if you’re an unmarried individual with taxable income of $50,000, you won’t pay 22% of that $50,000 to Uncle Sam. According to the 2020 tax brackets, you’d pay: 10% on the first $9,875 12% on the next $30,250 ($40,125 – $9,875 = $30,250) 22% on the next $9,875 ($50,000 – $40,125 = $9,875) 4 Tax Changes That Could Affect You in 2020 The modified tax brackets aren’t the only changes the IRS announced. About 60 tax provisions will be adjusted in the new year. A few highlights: The standard deduction will rise slightly: The standard deduction will rise by $200 to $12,400 for people who are single filers or married filing separately. For those who are married filing jointly, the standard deduction will rise by $400 to $24,800. You may be able to save an extra $500 for retirement: If you have an employer-sponsored tax-deferred retirement plan, like a 401(k) or 403(b), your maximum contribution is $19,500 in 2020, up from $19,000 in 2019. The additional “catch-up” contribution workers ages 50 and older can make will also go up by $500, from $6,000 to $6,500. You can contribute an extra $50 to a flexible spending account. In 2020, the maximum contribution individuals can contribute is $2,750. Some limited-income families can get an extra $103. The maximum Earned Income Tax Credit will increase to $6,660. You need at least three children to qualify for the maximum amount. 3 Tax Rules That Aren’t Changing in 2020 IRA contribution limits won’t change. The traditional and Roth IRA contribution limits will remain at $6,000 for people under 50. The extra $1,000 “catch-up” contribution the IRS allows people 50 and older to make won’t change either. You can still gift someone up to $15,000 without paying the federal gift tax. The gift tax exemption is something you might want to take advantage of if you’re contributing to a 529 plan. There’s no limit on itemized deductions. The Tax Cuts and Jobs Act of 2017 suspended these limits. Ready to Start Your 2020 Tax Prep? OK, we get it: You’re probably not thinking about your 2020 taxes yet. After all, you haven’t even had your 2019 Thanksgiving turkey. But if you’re the plan-ahead type, you can check out this comprehensive summary of 2020 tax changes courtesy of the IRS. Even if you’re not ready to jump into 2020 tax planning mode just yet, keep in mind that a new year is often a good time to check your tax withholdings and make adjustments if necessary. So make a date with yourself in early January for a quick tax checkup. Robin Hartill is a senior editor at The Penny Hoarder. She edits and writes stories about bank accounts, credit scores, home buying, insurance, investing, retirement and taxes. She is also the voice behind the Dear Penny personal advice column, which is syndicated in the Tampa Bay Times Sunday business section. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
2
174

Daily Fintech unveils its Deans List of influential industry leaders to guide editorial direction

click photo for more information
Daily Fintech unveils its Deans List of influential industry leaders to guide editorial direction
   Daily Fintech, the analysis driven online publication, is announcing a team of global fintech leaders who will serve as on-going advisors on our editorial direction. The team is called the Deans List to reflect Daily Fintech’s focus on producing high-quality, insightful and independent fintech analysis that one associates with higher learning. The initial list […] The post Daily Fintech unveils its Deans List of influential industry leaders to guide editorial direction appeared first on Daily Fintech. [...]
1
127

Life Update: Pregnancy (week 15) + our big foster care news!

click photo for more information
Life Update: Pregnancy (week 15) + our big foster care news!
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 15 weeks and I’m not going to be able to camouflage this bump much longer. 😉 HIGHLIGHTS I had another doctor’s appointment. It was super routine, but my doctor was so encouraging about how healthy I am, how healthy the baby is, and how well I am doing. That was such a blessing! In 5 weeks, I go back for my big 20-week anatomy scan! NOTABLE I had one really rough day this past week but other than that I had a few hours of most days where I felt so good that I sort of forgot I was pregnant! I started sitting on the exercise ball this past week because I can tell that these hips are starting to feel the usual aches and pains of pregnancy. I discovered the power of sitting a few hours per day on an exercise ball and how much relief it provided for my tailbone/hip pain, so I’m trying to be proactive and start this early this time — especially since my hips are 11 years older than they were last time I was pregnant! 😉 CRAVINGS This week, it was all about meat and carbs. Seriously, I craved roast, chicken, and noodles. And I’m still totally into cheese and cottage cheese! WEIGHT GAIN: 7 pounds Our Big Foster Care News! After months and months of classes, homework, meetings, paperwork and more paperwork, doctor’s visits, TB testing, home visits, interviews, and hours and hours spent getting our home all set up and childproofed, we found out this past week that we our home is officially licensed as a foster home in TN!! We have no idea what the future holds for us when it comes to foster care, but we are excited to continue on in this step of faith and obedience. We’ve been praying for the children who will be placed in our home and trusting God that He’s got a beautiful plan that we can’t really dream or imagine right now. Obviously, there’s a lot I won’t be able to share about this journey in order to protect other family’s and kids’ privacy, but I will definitely share what I can while protecting the kids/families first and foremost (as that is one of our number one priorities as a foster home: to provide a safe place for kids and to pave the way for reunification). We know this is going to be stretching and we have no idea what to expect, but we are looking forward to seeing what God has for us in this and how He’s going to use it to grow our family and change our lives. In Case You Missed It: Veteran’s Day Freebies 20 Gifts for Tweens Under $30 Building Strong Father-Daughter Relationships [...]
1
133

This week in Fintech

click photo for more information
This week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO of Daily […] The post This week in Fintech appeared first on Daily Fintech. [...]
1
126

Fintech based inclusion before it was famous – interview with Accion CEO Michael Schlein

click photo for more information
Fintech based inclusion before it was famous – interview with Accion CEO Michael Schlein
This is one of our Fintech From A Peak Interviews, where we talk to people making a big difference in people’s lives with fintech services, Accion, founded in 1961, is hardly an overnight sensation. This is a story of quietly doing the right thing for a long time and then suddenly the world catches up. Today Accion […] The post Fintech based inclusion before it was famous – interview with Accion CEO Michael Schlein appeared first on Daily Fintech. [...]
1
140

Life Update: Pregnancy (week 14), Hawaiian fun, Seussical

click photo for more information
Life Update: Pregnancy (week 14), Hawaiian fun, Seussical
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 14 weeks — and officially into the second trimester!! (This isn’t the best pregnancy photo, but this is the only one I got this week so it will have to do. Jesse took it so I could post the amazing $10.95 deal on these shirts — the deal ends tonight!) HIGHLIGHTS The baby seemed to have a big growth spurt over the past 6 days. And we’ve officially hit the no more flat stomach in the morning stage. (Also, I cannot BELIEVE how much my stomach pops by the end of the day most days!! It’s like I grow by 5 inches! Okay, I haven’t actually measured, but that’s sure what it feels like!) NOTABLE I actually had a lot more energy than I’ve had in *weeks* the past few days!! And I’ve actually been craving salads and healthy food again. It feels SO good to be back to much more normal eating again. I was really, really sick to my stomach two mornings this past week, but it went away after a few hours and I am so grateful. CRAVINGS Cheese, sour cream, whipped, yogurt, milk, ice cream… notice a theme here? It’s a good thing I don’t have any dairy allergies!! WEIGHT GAIN: 6 pounds We have another doctor’s appointment in a few days, which I’m excited about. (I think pregnancy is probably one of the few times when you look forward to going to the doctor!) Our youth group hosted a Fall Festival for our church kids and the community. Each youth group small group chose a theme and dressed up, planned a game, and decorated our room for that theme. Can you guess what theme our group chose?? Around 200 kids came to the event and we were busy all night helping the kids play our game and passing out candy. It was such a fun night! These girls are just amazing and I’m so honored to get to be one of their small group leaders! One of the best parts of youth group is getting to co-lead our group with one of my best friends! If you need a laugh, go read this. Silas had his last baseball games of the fall season this past week. I loved how his coach spoke words of life over each boy at the end of the last game. Silas has been so blessed to have so many great coaches over the past few years who are so committed to pouring into young boys’ lives. Almost all of my girls from my youth group small group were performing in Seussical Jr. so of course I had to go cheer them on! Kaitlynn came with me to the show and we had so much fun together. I am always looking for opportunities to have one-on-one time with each of the kids. What I’m… Reading right now: Come Matter Here Watching right now: Figure skating! Listening to right now: I’ve been listening to Josh Groban and some Christmas music the past few days. Loving right now: The cooler fall temperatures — which means we can actually legitimately wear sweaters and boots! In Case You Missed It… How to Make Money Creating Printables — Looking for a way to add some extra income? You don’t want to miss this post! I Earned 117 Swagbucks Today — Need a little motivation to earn more Swagbucks and free gift cards? Here you go! Why I Stopped Drinking Coffee — A really honest post with details on how and why I stopped drinking coffee. [...]
1
161

This week in Fintech

click photo for more information
This week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO of Daily […] The post This week in Fintech appeared first on Daily Fintech. [...]
1
153

Real ID Deadline for Domestic Flights in 2020: Are You Ready?

click photo for more information
Real ID Deadline for Domestic Flights in 2020: Are You Ready?
If you’re a traveler hailing from the U.S., you may have recently been notified that your driver’s license (or other form of identification) is not Real ID compliant and that pretty soon you won’t be able to board a domestic flight without a compliant form of identification. This raises the question: What is Real ID... Caroline Lupini is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Real ID Deadline for Domestic Flights in 2020: Are You Ready? originally appeared on NerdWallet. [...]
1
158

Life Update: Pregnancy Update (Week 13) & the Spartan Race

click photo for more information
Life Update: Pregnancy Update (Week 13) & the Spartan Race
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 13 weeks!!! And I had to have my picture taken in the kitchen because I COOKED DINNER three times this week!!! HIGHLIGHTS I feel like I came back to life this week and it is AMAZING to be functioning again at at least 50% of my normal pace compared to barely functioning the past 6 weeks. I forgot how good I used to feel! Also, I was able to start eating my daily salads again, which made me so happy!! CRAVINGS Um, should confess that my big craving this week was Taco Bell tacos again?!? NOTABLE Jesse’s dad (who owns a medical equipment servicing business) sent us a really fancy doppler that’s he’s letting us borrow for the pregnancy. It’s so amazing to get to hear the baby’s heartbeat at home! Also of note: I’ve outgrown the majority of my wardrobe. The maternity clothes I have are still huge on me, but I’m going to have to get creative with outfits over the next few weeks until I can fit into my maternity clothes! The kids continue to be so shocked by my growing size and I keep telling them they haven’t seen nothing yet! WEIGHT GAIN: 5.5 lbs. P.S. Do you consider the second trimester to start in week 13 or week 14?! The internet seems very conflicted on this. Jesse and Kathrynne ran the Spartan Race last week and had a blast doing it. Kathrynne ended up finishing a few minutes before Jesse! 🙂 Silas and Kaitlynn ran the Spartan Kids’ race while Jesse and Kathrynne ran their race and had a great time doing so! And the fun after the race… getting all cleaned up. 🙂 What I’m… Reading right now: I Will Always Write Back (I finished this and really enjoyed it, especially since I’m so passionate about South Africa. Do note that it has a little bit of language and somewhat more mature themes in it in places so I’d read through it before handing it off to a child to read.) Watching right now: Silas, Kaitlynn, and I have continued to enjoy watching The Masked Singer. We’ve also been watching Dancing with the Stars. Listening to right now: I’ve been listening to recent episodes of The Sorta Awesome show this week. Loving right now: Mint Majesty tea with cream and honey (someone sent this to me as a gift and it is SO good!) In Case You Missed It: 4 Reasons Why You Can’t Save Money on Groceries Slow Cooker Chicken Tortellini Recipe Enter to Win a $100 Visa Gift Card Why Jesse and Kathrynne Went to South Africa 5 Questions You Should Ask Before You Tweak Your Budget [...]
1
156

This Week in Fintech

click photo for more information
This Week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO and Editor […] The post This Week in Fintech appeared first on Daily Fintech. [...]
1
134

Life Update: Pregnancy update (week 12), my book stack, & football

click photo for more information
Life Update: Pregnancy update (week 12), my book stack, & football
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 12 weeks! And our big news is that we found out the gender this week!!!* Knowing has made it so much more real to me, even though this whole pregnancy still feels crazy surreal and like a dream. HIGHLIGHTS I think we actually all may have agreed on a name!! It’s very different having older kids who have very strong opinions about these things! Also, the NIPT test came back perfect. And I had a little more energy and a little less nausea this week. NOTABLE I’m pretty sure I’m starting to feel those first few flutters. I didn’t for sure feel movement until 15 weeks with Silas, but I’m almost 99% sure that’s what I’m feeling. Also, my appetite has increased big time — which has been weird and I’m still trying to adjust. I’m usually the type of person who eats when I’m hungry and then eats until I’m satisfied. But right now, I feel hungry almost 90% of the time — even right after eating!! I’m so grateful to have the desire to eat, though, because it definitely has been super hit or miss for the last 6 weeks and most of the time I was just making myself eat so I wouldn’t feel worse because my stomach was empty. It’s so nice to actually *want* to eat much of the time now! CRAVINGS Oh goodness, have the cravings been intense this week. I feel like all I do is talk about and think about food. (This is SO unlike me! My kids keep saying, “Mom, you are so WEIRD when you are pregnant!”) Speaking of weird, yesterday and today I wanted a taco from Taco Bell. Y’all, I can’t remember the last time I’ve even eaten at Taco Bell!! But, thanks to Jesse, I had a taco for dinner AND breakfast (he was smart and just went and got a whole BAG of six tacos last night!!) WEGHT GAIN 4.5 pounds (I usually always gain around 30 lbs. and at the rate I’m going, I don’t think I’m going to have any issue doing that again.) *At this point, we don’t plan to share the gender before the birth. That could always change, but we kept it a family secret last time and it made it so special so we are thinking we’ll likely do that again. In other news, I bought this sweatshirt this week and can’t wait for it to come in the mail! And I was thrilled to once again feel well enough to go to the grocery store for a quick shopping trip! Silas played both baseball and flag football this season. His first playoff game was Friday night and their team won, just barely! So they move on to the next playoff bracket next week. What I’m… Reading right now: I Will Always Write Back and Come Matter Here (My book stack in my room is getting way too high — and then I have three shelves in the library full of books waiting to be read ASAP. I guess it’s a good problem!) Watching right now: Silas, Kaitlynn, and I have been watching The Masked Singer. Listening to right now: I finally came up first in line for Atomic Habits on the Libby app again, so I’ve been listening to the last hour and half of it (that I didn’t get to finish the last time I had it “checked out” on the Libby app). Loving right now: The fact that it was cool enough weather this past week to wear my favorite booties (shown above). In Case You Missed It: 30 Super Easy Ways to Save Money — what would you add to this list?? 30 Quick & Easy Protein Snacks — some of my favorite go-to’s! How to Finally Break Free From Anxiety & Stress — this is one of the most talked about episodes of the podcast I’ve ever shared! It’s SO good! Have you listened to it? How to Save Money on Groceries When You Only Eat Whole Foods — check the comments for lots of additional ideas! [...]
1
120

This week in Fintech

click photo for more information
This week in Fintech
Every day we bring you fresh insights about Fintech from an elite group of Authors who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech & Crypto revolution. Once a week Daily Fintech’s Editor summarises these posts so that busy people can get a peek at what […] The post This week in Fintech appeared first on Daily Fintech. [...]
1
178

African fintech migrates to Europe

click photo for more information
African fintech migrates to Europe
Jessica Ellerm is a thought leader specializing in Small Business and the Gig Economy and is the CEO and Co-Founder of Zuper, a neowealth disruptor in Australia. With less than 4 years of operations under its belt, ambitious African fintech, SME lender Lidya, has announced it will commence its expansion into eastern Europe. The venture backed […] The post African fintech migrates to Europe appeared first on Daily Fintech. [...]
2
171

Life Update: Pregnancy (week 11) & a trip to South Africa & Herndon, VA

click photo for more information
Life Update: Pregnancy (week 11) & a trip to South Africa & Herndon, VA
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. In case you missed last week’s update, check it out here. 11 weeks! I’m so excited to be getting close to the 2nd trimester! This week was a week full of ups and downs. I had some really bad days and two surprisingly decent days where I actually had a few short windows where I didn’t feel nauseous. It was the most incredible feeling and, even though it was short-lived, it was just the encouragement I needed after having a really rough and discouraging week last week nausea-wise. (By the way, it seems that most people have told me that their nausea is always worst in the mornings. For some reason, mine gets progressively worse as the day goes on. By bedtime, it’s at the severe level and often keeps me up for a few hours. I don’t have any explanation for this but it’s how it’s been in all my pregnancies so I guess it just is what it is!) HIGHLIGHTS: I had another doctor’s appointment this week and another ultrasound. Since Jesse and Kathrynne are in South Africa, I took Silas and Kaitlynn with me to the appointment. It was exciting for them to get to see our baby on the screen! Also, my doctor says the baby has grown quite a bit & everything is looking so healthy. NOTABLE: We had the NIPT test done this week. We opted to do it for a variety of reasons, even though it’s not 100% accurate. One exciting side benefit: we should be finding out what we’re having in the next two weeks! We haven’t decided whether we’ll be telling people or not. We didn’t find out with either of the girls but chose to find out with Silas and decided that we preferred finding out to being surprised. However, with Silas, we decided to keep it a secret from everyone, including our extended family. We may or may not do that again. WEIGHT GAIN: A total of 4 pounds so far… which means that I have officially outgrown a lot of my clothes. I ordered a few new tunic tops from Amazon and a few new pairs of leggings. I also went through my closet and pared it down to the looser-fitting tops/bottoms I already own that I can still into comfortably. I’m guessing I’ll be transitioning to maternity clothes sometime in the next 4-6 weeks. (If I remember right, I usually start wearing them around 17-20 week but I feel like my belly has popped faster this pregnancy!) A Peek Into Our Week A number of you have asked for me to post a picture of Quill (our pet hedgehog). He’s doing so well and has grown so big. A Trip to South Africa Jesse and Kathrynne flew to South Africa on Wednesday to visit our friends there and see how things were going with the ministry we support there. (We usually go every year and it’s one of my favorite places ever, but for some reason, I didn’t feel a peace about going this year. It didn’t make any sense at all, but I just felt strongly that I wasn’t supposed to go… little did I know that it was going to be because I was pregnant!) They’ve been sending me pictures of their time there and I am just so happy for them. Jesse said that Kathrynne is having the best time and it warms my mama heart so much to see my girl halfway around the world loving on these kids and teens. While they’ve been gone, we stayed busy back here. I got to interview Aundi Kolber for next week’s podcast episode. I can’t wait for you to listen to this episode; it is fantastic! (Also, we looked like we were dressed for a gender reveal party or something! I didn’t even realize it until I looked at the picture we took together after she left!) I also was so excited one morning to feel well enough to go to Kroger quickly and pick up their Friday-Saturday deals! A Trip to Herdon, VA And then Kaitlynn and Silas flew with me to Herdon, VA for me to speak at the 2:1 conference. (I usually only bring one child with me on speaking engagements, but since they were both on fall break and Jesse and Kathrynne were gone, they both got to come with me!) One of the highlights of the conference was getting to meet Janet Benge, who has co-authored so many of the Christian Heroes Then and Now books. I had to get a picture for my mom. I loved getting to do a breakout workshop about exploding your engagement on Instagram! The attendees were the best and I could have stayed for another hour or two and answered all the questions I didn’t get to answer during the session and at the end! One of my favorite things is getting to help others also fall in love with the power of Instagram. Speaking of which, are you following me on Instagram? If not, you’re missing out as I share lots of behind-the-scenes, money-saving deals, and real-time updates there… many that I never get space to share here on the blog! I also gave the morning keynote sharing how my parents impacted my life and the power of legacy. What I’m… Reading right now: The Only Plane in the Sky (Note: This has a little bit of language in it, but it is a very worthwhile read and I would highly recommend it.) Watching right now: Have you seen the Enneagram Rhapsody? Multiple sent it to me this week and I had to laugh because there was so much truth in it. If you are an Enneagram fan, you’ll probably love it, if you haven’t seen it yet. 🙂 Listening to right now: This week, I’ve been listening to the Serene and Pearl UnShow at night when I have trouble sleeping because of nausea. I love the Trim Healthy Mama podcast and their quirky sense of humor and the way they disagree with one another and tease one another. (A lot of people are annoyed with how they talk over each other on their podcast. I happen to love it — probably because I grew up in a large family and we are always talking over each other and teasing one another mercilessly!) Loving right now: This kimono (I have it on in the photo at the top of this post. It’s perfect to dress up an outfit, so comfortable, and is something I’ve worn multiple times in the last month!) What are YOU reading, watching, listening to, and loving right now? I’d love to hear! In Case You Missed It: Guess what? I actually went to Kroger! Jesse Answers Your Burning Questions 2019 Goals: September Update [...]
1
141

This week in Fintech

click photo for more information
This week in Fintech
Every day we bring you fresh insights about Fintech from an elite group of Authors who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech & Crypto revolution. Once a week Daily Fintech’s Editor summarises these posts so that busy people can get a peek at what […] The post This week in Fintech appeared first on Daily Fintech. [...]
1
110

Life Update: Pregnancy (week 10), Downton Abbey, Science Fair, and Armadillos

click photo for more information
Life Update: Pregnancy (week 10), Downton Abbey, Science Fair, and Armadillos
This post may contain affiliate links. Read my disclosure policy here. Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. In case you missed last week’s update, check it out here. 10 WEEKS! Double digits and 25% of the way done, people! I was too sick last night to get a picture like I usually do, so here’s one sporting my outfit of the day today. 😉 I decided it was actually perfect to represent my week. Because it was a rough one, nausea-wise and exhaustion-wise. HIGHLIGHTS: Getting to see another ultrasound of our baby on my birthday. (My doctor had me come in for some testing to make sure all was well since I had been feeling so poorly. Our baby has grown so much and is looking so healthy! I still can’t believe that I’m actually pregnant. It’s just surreal!) Also, my second round of labs came back and my hemoglobin hadn’t gone down anymore but had actually gone up a tiny bit — which we were so excited about! It seems that using the cast iron pan and taking a double dose of Slow-Fe with orange juice daily is actually working! NOTABLE THIS WEEK: I have moved multiple clothes from my closet into the storage section because they either don’t fit anymore or are super uncomfortable. I also think I’m mostly going to be living in leggings and workout shorts for the next month or two until I can switch to maternity jeans/pants. CRAVINGS: Cottage cheese and Chick-fil-A honey barbecue sauce (not together!). I also am still usually able to eat Cracker Barrel pancakes (my brother and sister-in-law sent me a box of the mix and it legitimately tastes just like their pancakes!), macaroni & cheese + this week I added in Cream of Wheat and dry cereal. Apparently, this baby likes super bland food that is all the same color! 🤣 I’m still struggling to get enough liquids in (because most of them taste disgusting to me!), but this week I have found that drinking watered down juice or lemonade with ice works some of the time and I’ve also been able to eat/drink chicken broth or popsicles some of the time, too. WEIGHT GAIN: Even though I feel bigger this week and my clothes are fitting differently, I’m still holding steady at 3 pounds gained. How are the rest of you pregnant mamas doing? If you’re expecting, I’d love to hear when you’re due and how you’re doing! In other news, Jesse and I went to see the Downton Abbey movie for my birthday. We were both such big fans of the show so it was fun to see the actors/actresses altogether on screen again. The theater was packed out for a 1 p.m. on Tuesday showing… and Jesse was one of the only guys there. But we didn’t care! We discovered we have at least one armadillo that has been roaming around our house! We have seen him two nights so far this week. I’ve never seen one anywhere near our house so we thought it was cool at first… only to find out they are very destructive and not the kind of rodent you want living near your house! Silas had his last flag football game of the regular season this week. He’s been doing both baseball and football this Fall, so that has kept him quite busy. He also had his Science Fair on Friday. This year, their school made a change that parents weren’t allowed to help and all of the Science Fair work had to be done at school. So I hadn’t even seen any of his project before Friday! I was very proud of how it turned out and what he learned through it. And he did a great job on his presentation. What I’m… Reading right now: Try Softer (Also, my other reading this week was going through ALL 94 resources in the Genius Blogger’s Toolkit. I posted my top picks here and here. This Toolkit is only available until Monday.) Watching right now: World’s Gymnastics Competition Listening to right now: The quiet evening breeze coming from the open window. (It finally cooled down here enough in TN that we can have our windows open at night. It’s amazing!!) Loving right now: Hearing my husband playing and laughing and joking with the kids upstairs. In Case You Missed It: 10 Things I Learned When I Was 37 — In honor of my birthday this week. And wow! It’s been a big year! 8 Ways to Get Books for Free (or Almost-Free!) — Do you love reading but also want to make sure you don’t break your budget with book purchases? New from SmileDirectClub: Straighten Your Teeth While You Sleep — I wish this program had been available when I signed up! How I Got Over My Fear of Public Speaking — Some real honesty in this post here. Maybe you needed it today? 4 Strategies to Survive Stretching Seasons — Sometimes, you just do the best you can do. And that’s enough. We Stopped Buying Paper Towels — Why we stopped buying paper towels and how we live without them. [...]
1
137

This week in Fintech

click photo for more information
This week in Fintech
Every day we bring you fresh insights about Fintech from an elite group of Authors who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech & Crypto revolution. Once a week, Daily Fintech’s Editor summarises these posts so that busy people can get a peek at what […] The post This week in Fintech appeared first on Daily Fintech. [...]
1
102

This week in Fintech

click photo for more information
This week in Fintech
Every day we bring you fresh insights about Fintech from an elite group of experts who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech & Crypto revolution. Once a week Daily Fintech’s Editor summarises these posts so that busy people can get a peek at what […] The post This week in Fintech appeared first on Daily Fintech. [...]
1
110

AmEx Announces Additions and Cuts to Side Perks in 2020

click photo for more information
AmEx Announces Additions and Cuts to Side Perks in 2020
American Express is making adjustments to secondary benefits across its portfolio of cards as of Jan. 1, 2020, adding new perks, tweaking others and eliminating some entirely. “This is part of our effort to offer our card members the benefits they value most,” an AmEx spokesperson said in a statement to NerdWallet. Although you shouldn’t choose a credit card... Robin Saks Frankel is a writer at NerdWallet. Email: rfrankel@nerdwallet.com. Twitter: @robinsaks. The article AmEx Announces Additions and Cuts to Side Perks in 2020 originally appeared on NerdWallet. [...]
1
230

This week in Fintech

click photo for more information
This week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO of Daily […] The post This week in Fintech appeared first on Daily Fintech. [...]
1
144

Earn 2,000 Bonus Bonvoy Points for Courtyard by Marriott Stays Before 2020

click photo for more information
Earn 2,000 Bonus Bonvoy Points for Courtyard by Marriott Stays Before 2020
A sweet points offer for staying at Courtyard by Marriott properties is bringing a new opportunity for Marriott Bonvoy members to boost their earnings. Members of the Marriott Bonvoy loyalty program can earn 2,000 bonus points per night for stays at Courtyard by Marriott hotels. What’s unique about this promotion is that there’s no limit... Randy Diamond is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Earn 2,000 Bonus Bonvoy Points for Courtyard by Marriott Stays Before 2020 originally appeared on NerdWallet. [...]
1
166

Announcing Daily Fintech Conversations

click photo for more information
Announcing Daily Fintech Conversations
Need to ‘voice’ and share your fintech insights with industry peers and experts? Look no further. Sign up to be part of Conversations today. Daily Fintech Conversations integrates our publishing and forum into a single platform. The purpose of both is to enable conversations that make good things happen. Most of us understand instinctively how to have […] The post Announcing Daily Fintech Conversations appeared first on Daily Fintech. [...]
1
187

This week in fintech

click photo for more information
This week in fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO and Editor […] The post This week in fintech appeared first on Daily Fintech. [...]
1
177

Thousands of Jobs For the 2020 Census Are Now Open. Here’s How to Apply

click photo for more information
Thousands of Jobs For the 2020 Census Are Now Open. Here’s How to Apply
The 2020 census requires a massive, temporary workforce to get every American counted. A job that once involved clipboards and file boxes now utilizes mapping software and smartphones. All together, the census will employ more than 500,000 temporary and part-time workers. Hiring has already begun. And get this: pay ranges from $13 to $30 an hour. Pay rates vary by position and location, but you can find the ranges for your state and county via this electronic form on the census site. If you speak a second language, you’re even more in demand. The census is looking for bilingual workers and those who live in neighborhoods with large immigrant populations so that “our census takers look like the neighborhood we’re counting,” Jeff Behler, regional director of the Census Bureau’s New York Regional Office, said in a story on Census.gov. If this sounds like the gig for you, fill out the online application.  To be eligible for the jobs, which include census takers, office staff and recruiting assistants, you must meet the following qualifications: Be a U.S. citizen who’s at least 18 years old. Have a valid Social Security number and email address. Pass a criminal background check, including fingerprinting. Have the flexibility to work days, evening and weekends. If you’re a male born after Dec. 31, 1959, you must be registered with the Selective Service System or have a qualifying exemption. Be able to count to 329,402,583. Just kidding — that’s a little census humor for you. Tiffany Wendeln Connors is a staff writer at The Penny Hoarder who covers interesting careers and job benefits. Senior editor Molly Moorhead contributed reporting. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
1
204

This week in FinTech

click photo for more information
This week in FinTech
Every day we bring you fresh insights about Fintech from an elite group of Authors who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech revolution. Once a week Daily Fintech’s Editor summarises these posts for the time challenged to give you a peek at what you […] The post This week in FinTech appeared first on Daily Fintech. [...]
1
209

Office Depot/Office Max Back to School Deals for the week of July 21-27, 2019

click photo for more information
Office Depot/Office Max Back to School Deals for the week of July 21-27, 2019
The Back to School deals have started! Check out these amazing deals Office Depot/Office Max is offering this week. Here are the back to school deals at Office Depot/Office Max for the week of July 21-27, 2019: Office Depot JustBasics Spiral Notebook – $0.10 Office Depot Composition Books – $0.50 Office Depot 3 x 5 Index Cards, 100 ct – $0.50 Office Depot 2-Hole Manual Pencil Sharpener – $0.50 Pencil Boxes – $1.50 Westcott Printed & Jelly Scissors – $2 Sharpie Highlighters 4 pk – $2.99 Pencil Accesory Value Pack 110 ct – $4 Paper Mate Flair Porous-Point Pens 12-pack – $9.99 Be sure to check out all of the Best 2019 Back To School Deals! Don’t forget you can also sign up for our daily email newsletter to get all of the best back to school deals emailed to you every week! And be sure to check out my post on 5 Simple Ways to Save on Back to School Deals. [...]
1
246

If Your Credit Score Is Under 700, Make These 3 Moves This Week

click photo for more information
If Your Credit Score Is Under 700, Make These 3 Moves This Week