How to Make Sure a Divorce Doesn’t Hurt Your Savings

How to Make Sure a Divorce Doesn't Hurt Your Savings

January 14, 2019

Ah, divorce! Not only do you have to worry about your kids, your custody right and your ex-spouse–you now have to worry about your wallet too. If only heartbreak didn’t come with a legal fee, life would be a lot easier to handle. Unfortunately, for all of us, it’s not that simple. You need to talk to the guys in suits.

Luckily, most of us are not negotiating multi-million-dollar separations, and just a little effort can mean saving big. The less you do yourself the more you have to delegate, and that delegation doesn’t come cheap. So do your research, organize your finances and recognize that no one will be happy with who gets the dog. With just a little work it doesn’t have to be painful. Well, not that painful, anyway.

1) DIY divorcing

You’ve heard of DIY crafting? Well there’s also DIY divorce. It might not be as Pinterest-friendly, but doing the divorce yourself is the best way to save money, especially if your divorce involves simple assets and you’re still on speaking terms. Talk it over and assemble the necessary documents, and maybe hire a lawyer to give it a once-over before filing. For most of us with a simple financial situation this is an easy way to get things done.

2) Consider hiring a mediator

If things are tense or assets confusing, however, consider hiring a mediator, a kind of separation guru there to help your divorce. Mediators don’t have to be lawyers–they can be anything from mental health professionals to financial advisors, or even just a third pair of eyes. This is a great way to get a third-party to help you divide assets without getting involved with nasty legal fees–mediators come at a much cheaper price, and because they’re hired by both parties, they’re not incentivized to delay proceedings for financial means.

3) Paralegals are your friend

So what exactly is a paralegal? Well, paralegals are like lawyers who don’t charge a lawyer’s fee. When it comes to nitty-gritty details and difficult legal minutiae, they are a fantastic option if you want to avoid calling your lawyer. They can help advise your court proceedings, hearing dates and other questions that your lawyer will answer only at a cost. Even better, paralegals and legal assistants respond quicker than lawyers, which can really help when you’re having difficulty hearing back from the attorney you’ve hired.

4) Get a free consultation

Sensing a theme here about lawyers? If you do have to get a lawyer, make sure you get the right one. Getting a lawyer you can trust is extremely important, and can turn a disaster into a relatively painless affair. Many lawyers offer one free consultation, so make sure to shop around. This is also a great way to get pro-bono legal advice, if you just have a few questions to ask.

5) Do your homework

Whether you’re going DIY or you’ve hired an attorney, having your documents in order will save you money in the end. You have to pay for a lawyer’s time, so make sure you know your questions, and can use the time effectively without having to drag things out. Working with your ex-spouse to organize your finances means doing a lot of the legwork that otherwise you’d have to pay someone to do. They more you work the less you pay, and the more organized, the more savings you keep for yourself.

Original article posted on

Article reposted on Markethive by Jeffrey Sloe

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How Does Inflation Affect Your Savings?

How Does Inflation Affect Your Savings?

September 06, 2018

Many financial experts recommend that you take 10% of your income and deposit it into a savings account. However, the majority of people never know how much they are actually saving. For example, when you deposit the money into your savings account, a dollar buys a loaf of bread, but by the time you withdraw that money, a loaf of bread costs $1.29. This is inflation at work. While you may have received some interest in your savings account, the question is, does it make up for the inflation?

Inflation is Your Enemy

Most people don’t think about or even understand inflation. They simply follow the rules of good money practice by saving and not over-spending. The above illustration showed that you had saved 10% of your income, which is typical of the advice that you will hear growing up. What they don’t tell you is that inflation will eat into your savings. Prices rise over time, wiping out your buying power.

Unfortunately, many people put their money into a savings account that pays a standard interest rate. For example, if you deposit $1,000 in a savings account that pays a 1% interest rate, after a year, you will have $1,010 in your account. Over the same time, if inflation is running at 2%, which, by the way, is the goal of the Federal Reserve, you would need to have a balance of $1,020 to make up for the impact of higher pricing. Since you only have $1,010 in your account, you have actually lost some purchasing power. If your savings don’t grow to reflect the rise of pricing over time, it’s the same as losing money.

You Should Still Save

Because of inflation, saving isn’t as simple as putting money into a savings account. True, you should have some money in a savings account, typically a six-month supply in case of loss of employment or some type of illness. Beyond that, you should then start to look at ways to outpace inflation. Some people do it in a 401(k), while others will do it in an investment account. The whole idea of a 401(k) or retirement account is to outpace inflation over the longer-term. This is why the stock market is a better option than a savings account since, historically, it returns 8% a year. However, that is in the long term, and fluctuations do happen along the way. You also have to pay capital gains tax, which is beyond the scope of this article, but this will also have an effect on how much you can actually pull out of your account. There are a multitude of ways to work around this though.

Multi-tiered Approach

If you wish to beat inflation, and that should be your number one goal, you simply must have a multi-tiered approach to savings. Savings should be thought of as not only cash in the bank, but also investment vehicles. The average financial advisor will suggest stocks, bonds, CDs, real estate, and even a small amount of precious metals, to protect from a falling dollar. By spreading around your savings, you allow for diversification, one of the greatest ways to protect yourself from asset depreciation. For example, if inflation runs at 3% next year, your savings account offering 1% in interest isn’t going to cut it. However, the real estate market might be heating up, and if you own real estate, you may find that you make 10% on your rental property or your home.

This is how savings should work; it should be a mix of cash on hand and investments. If you do not invest, you are sure to have less purchasing power down the road. In fact, most people don’t understand this but when measured in purchasing power, the US dollar has lost almost 98% of its value since 1913!

It Can Be Done

Outpacing inflation isn’t difficult, but it takes a bit of thought. You need to find ways to lower your tax burden, higher interest rates or returns, and the like. While it is necessary to have that emergency cash fund, once you get passed that threshold, you should start looking for ways to make your money work for you. Investing and saving are essentially the same thing, at least in the modern financial world. If your employer has a program that matches your 401(k) contributions, by all means you should max out what you put into it. That is essentially free money for retirement.

Beyond that, start looking for assets that will pay you to own them. Rental properties are a great way to save for retirement. Not only do you have someone else paying for the property through monthly rental payments, but you can also sell the property one day and earn on the sale. Stock market investing is good for the long term, but obviously carries its own risks. The whole idea is you need to start thinking beyond simply stashing cash somewhere and ensure you stay one step ahead of inflation.

Original article posted on

Article reposted on Markethive by Jeffrey Sloe

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Blockchain and Cryptocurrency Litigation: What to Expect in 2019

Blockchain and Cryptocurrency Litigation: What to Expect in 2019

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2018 was an eventful year in general when it comes to blockchains and cryptocurrencies. Digital currencies such as Bitcoin and Ethereum suffered huge trading losses last year with the former nearing towards the $3,000 mark by the end of the year. Another notable trend from last year is the rise of blockchain and cryptocurrency related lawsuits, triggering SEC chairman Jay Clayton to announce a crackdown on the industry. This is why different industries have called 2019 the make or break year for these technologies. Now what is in store for laws and litigation regarding digital currencies and blockchains then? Let us find out.

Defining Cryptocurrencies as Securities

Over the years, there seemed to be a never-ending debate as to how cryptocurrencies are defined whether as a currency or an investment. These arguments may be nearing an end this year. A landmark federal court ruling has declared that cryptocurrencies, particularly those under initial coin offerings (ICO), may be subject to securities laws. In United States vs. Zaslaviskiy, the grand jury ruled that the cryptocurrency purchases the defendant has persuaded its investors to buy under his companies are considered as investment contracts. This means individuals and companies who purchased cryptocurrencies as funding for a business or enterprise can count it as an investment and is protected by the law. It also legally solidifies the SEC’s stand that the current securities regulations are sufficient enough to cover cryptocurrencies, blockchains and possibly other fintech investments in the future. Finally, this ruling can also lead to a clearer definition of what these technologies are in the eyes of the law.

Pushing for More Regulations

Despite the federal court ruling and SEC’s stand on cryptocurrency investments, the pressure for tougher regulations is still on for 2019. With the trading rate for cryptocurrencies remaining on the lower end and securities lawsuits regarding ICOs increasing, both the government and cryptocurrency institutions need to evolve. Creating a legal framework or adding supporting regulations specific to these technologies, like what France, South Korea and China did, can help with institutionalizing digital assets and similar investments. New laws that protect cryptocurrency and blockchain owners, traders and investors will surely encourage other institutions to adapt these technologies and bring it to more people.

Smart Contracts

Another factor that cryptocurrency and blockchain litigators are looking into this year are smart contracts. This is a type of blockchain technology that converts contracts into a computer code and is stored and managed by a network. It basically simplifies transactions and deals with money, property or any type of asset as it self-executes contract terms, liabilities and penalties.

While some lawyers see smart contracts as a threat, it can be a useful tool for them especially when it comes to documentation and paper trails. The transparent and self-executory nature of these contracts will help them in the event that these transactions are challenged in court.

There are a lot of exciting legal developments to look forward to as more institutions open up to the possibility of adapting cryptocurrencies and blockchain technology. More questions and situations will will eventually come up, but the industry remains positive about the growth of these technologies and the new rules and regulations that will come with it.

In need of expert legal advice? Contact us at Hogan Injury.

None of the content on is legal advice nor is it a replacement for advice from a certified lawyer. Please consult a legal professional for further information.

Original article posted on the Hogan Injury Website

Syndicated article, by permission, posted on Markethive, by Jeffrey Sloe

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Crypto Communities How Valuable Are They?

Crypto Communities – How Valuable Are They?

There seems to be some disillusionment about Crypto and Community or to put it more succinctly, “Crypto Community” in the wake of historical events of the past year. 2018 was notorious for ICO failures, ponzi scams, false hype, and FUD. Some are saying Crypto has an ethics problem. More to the point, it could be said it’s some people within the crypto space that have an ethics problem. Just as we’ve seen in the “real world” of fiat currency, banks, governments, and entrepreneurial shysters. For decades this game of greed has been played out leaving scores of victims.

We have seen the profiteering with this nascent industry at the misfortune of others. Also, startups have been too quick to launch an idea with no real thought or products to underpin it. The idea that the larger their community the more valuable the coin does nothing for sustainability. With that mindset and no real product, gives rise to pump and dump scenarios which result in the coin losing value, and rarely, if at all, recovers.

Airdrops have been initiated to increase awareness and customer base only to find the majority dump their coins at the first available opportunity. Some of it’s the” get rich quick” mentality and “pump & dump” culture that has been created but apart from that and of course, the technology getting into the wrong greedy hands, what else are these ICOs doing wrong to result in failure?

2018 was the Year of the Cryptocalypse

We need to turn this culture around and treat it like it was meant to be treated as stated by the founder of Bitcoin, Satoshi Nakamoto 10 years ago. All companies need a product or a purpose that is needed and sought after by the community. They cannot ride on the coattails of what their coin might be worth just due to its initial popularity.

Last year will go down in history as the crypto apocalypse, this year will be the year of the cuts. There are good things happening behind the scenes with crypto and blockchain technology. This industry has made its mark and here to stay. The companies who have survived last year and continue to grow this year will be ones of integrity and substance. All others will fall away.

The Crypto Industry Is Growing Up

Considering much of the “real world” is online these days with Entrepreneurship classed as a real occupation there are some companies that offer real products to real clients. Blockchain Technology is being implemented in many industries, not just in finance, but in health, logistics and now social & market networks and as a result, freeing the broader society from the antiquated hierarchy of today.

In the case of cryptocurrency, it has its place in the world of ecosystems. Particularly helpful to the unbanked. Trading in crypto is only a sideline gig for enthusiasts, even though it’s perceived to be in the forefront and the only thing crypto is meant for. What is evolving in the real-world is an ecosystem where crypto is fluid and can have real value providing there is a product fit and the Ideology is one of integrity.

For the viability of any crypto business ecosystem, there needs to be Community, Technology, and Liquidity. Digital money viability is established through the interaction between these three groups within the ecosystem. There is no viability if these interrelated groups do not exist.

Airdrops do have their Place in Successful Startups

Paypal executed an incentive to attract more customers back in the beginning as do many businesses with loyalty programs. Crypto-based businesses can have the same success with a utility or consumer coin that adds value to the experience of the user. If introduced correctly, with products and services underpinning the system, there is enormous growth potential where its customers use the products and are rewarded for using them. This creates loyalty and a community is built. The coins are part of the ecosystem, not the pinnacle. But who does that? Is this just a future concept? No, It’s here now with Markethive.

The Next Generation

As I said earlier, much of the real-world operates online and Entrepreneurs are now classed as having a real occupation. Markethive was born with that in mind, but since the advent of the latest technology, it has gone one step further and is now built on the blockchain with its own coin. (MHV) Markethive has just completed its first airdrop with micropayments and tips now active within the system. There are many happy campers within the community…

Markethive Associate, Ven Dance states,

“One way that companies that are sincere in their desire to provide the crypto community a legitimate opportunity to improve their lives and benefit in the crypto market place is to have real, tangible products and or services in place and ready before offering public financial participation. Companies that have “real” services and products are now utilizing the ILP (Initial Loan Procurement) Unlike the ICO, the ILP, it is a loan that has to be paid back. What a novel concept, yes it has to be paid back. There are only a few companies that are offering the crypto community this type of opportunity… products, and services that are functional now and are using an investment vehicle that requires the investment to be paid back. MarketHive…Welcome to the real world of crypto evolution and the communities that believe in it and support it.”

Louis Harvey says,

“I think that we all at some point need connection and interaction being real world or a community-based platform! Markethive is providing this typesetting in a secure community with the privacy all being built on the blockchain. How cool is that when you need support of any kind the community base platform is here.”

Richard Mathiason says,

“Markethive is more focused on fixing the problems with present-day social networks. Those problems are privacy issues, security issues, using Inbound Marketing instead outdated forced marketing and making sure that the business platform is not reliant on how well the cryptocurrency “does”. In our case, the cryptocurrency is not being hyped and will only do well if the business proposition is solid. A micro- payment system has been implemented which is also new to social networks. It has only been in place less than a week and it is having a positive effect on the company. Finally, we are not an ICO, we are crowdfunding using ILP’s (initial loan procurement). Markethive has made the community the most important item in the company. And that is why it will succeed!”


Markethive is a predominantly free system that allows freedom of speech, total privacy, and transparency, promoting education for the youth through to the seasoned entrepreneur providing support, network, tools and motivation to experience entrepreneurialism, sovereignty and success resulting in a complete ecosystem with universal income.

Markethive is creating a social network that is integrated with state of the art blockchain, cryptocurrency, and inbound marketing technology. Because Markethive is decentralized, autonomous and controlled by its entrepreneurs and holders of MARKETHIVE, its coin (MHV), will share and benefit from its success.

Blockchain-based Companies like Markethive, derive their profit from the projects that are underpinning it, plus the products and services they deliver, therefore they are able to give back to its users in many forms, including remuneration for using the platform. In essence, they give the power back to the people.

Is the crypto community valuable? Yes, they should be the focal point of any business. They are the lifeblood. Facebook with its current business model is valuable because of its 2 billion users, however, their misuse of data and lack of consideration for their users is questionable.

Keep an eye on Markethive (MHV) It’s a force to be reckoned with. It’s leading edge of the new blockchain, the new Market Networks and the new decentralized solution to the elite big data tyrants like Facebook and Google.

The global financial system and social media are broken and business ecosystems need a better way to do things. With Markethive it’s here.

Original article posted on

Article posted on Markethive by Jeffrey Sloe

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Marshall Island Hires Malta’s Strategic Advisor to Assist in the Issue of an Official Cryptocurrency

Marshall Island Hires Malta’s Strategic Advisor to Assist in the Issue of an Official Cryptocurrency

The government of the Marshall Islands, headed by Hilda Heine, stands firm in its efforts to issue an official cryptocurrency as a mechanism for optimizing financial services and avoiding an exclusive dependence on US Dollars to ensure the proper functioning of banking operations.

“Sovereign” (SOV) is the token that the government of the island created by presidential decree and will circulate together with the U.S Dollar as the official currency of the nation.


After the presidential decree was approved, continued pressure from the United States and the International Monetary Fund led a group of congressmen to issue a no-confidence motion against the president in an attempt to make the U.S. currency the only legal tender accepted in the country.

However, the project is still underway, and to ensure fulfillment of the objectives, the government has contracted the services of none other than Mr. Steve Tendon, Managing Director of TameFlow Consulting / ChainStrategies, a firm that provides technical advice and development strategies designed to promote the use of blockchain technologies.

The Marshall Islands Rely on Tendon’s Successful Experience With Malta

According to a Press Release, Dr. Peter Dittus, former Secretary General of the Bank for International Settlements (BIS), Mr. Tendon’s support may be crucial for the Marshall Islands to meet the goal of having an official crypto that meets all the requirements needed for massive adoption:

“With Steve working alongside Neema, we are growing closer every day to support the Marshall Islands with issuing the first digital legal tender and launching a financial services economy around it."

Steve Tendon’s participation and experience were crucial for the Maltese government to become a Blockchain Island. In 2016 he was a strategic adviser for the Ministry of Economy, Investment and Small Business (MEIB) of the Maltese Government, developing Malta’s National Blockchain Strategy which would then be approved by the cabinet of ministers the following year. He then advised the Financial Services, Digital Economy and Innovation (FSDEI) Office of the Prime Minister on matters related to the implementation of Malta’s Blockchain Strategy.

The government of the Marshall Islands, aware of the results obtained from Malta’s experience, gave Tendon some critical responsibilities:

“Steve is one of the foremost experts in blockchain technology and regulations … (He) will assist with the drafting and designing of regulations to develop a blockchain financial services economy out of the Marshall Islands."

Original article posted on Ethereum World News and written by Jose Antonio Lanz

Posted on Markethive by Jeffrey Sloe

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Cryptocurrency in 2019: Things to Expect

Cryptocurrency in 2019: Things to Expect

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Cryptocurrencies continue to surprise us with their behavior through the years. Amidst all the instability and unpredictability in terms of performance, trading, litigation, regulation, and taxation, miners and investors brave the odds and explore what these cryptocurrencies have to offer. Pessimists and optimists alike have much to say about the future of cryptocurrencies like bitcoin – such as bitcoin’s supposed nearing end because of the consistent drop in bitcoin price after reaching its peak. But it’s more viable to focus on observable trends in order to have an idea on what to expect as far as these cryptocurrencies are concerned. Here are some of them.

The Market

The word “bubble” is thrown around in the finance world, and if you’re wondering what it means, it is simply the cycle created by the fast escalation of asset prices followed by a contraction. The bubble deflates when investors cease to buy at elevated prices and massive sell-offs occur. As for bitcoin, yes it is a bubble, and it indeed popped. The market is expected to calm down a bit after the bubble and cryptocurrency trading will remain profitable.

Cryptocurrency as Payment

Retailers are starting to accept cryptocurrency as payment. At this point in time, including cryptocurrency in the list of payment methods can potentially boost income, in the same way that establishments that accept credit cards do have a wider reach than those who do not. Now you can book flights, purchase household goods, get web domains, buy computer products, and so much more with bitcoin. As of December 2018, more travel services, web services, food, and general merchandise have started to accept bitcoin payments. Those with a Microsoft account, for example, have the “Redeem Bitcoin” option upon checkout and can add up to $100 at a time via Bitpay.


In the recent years, crypto traders and holders have seen security threats such as phishing and mining malware. Cryptocurrencies, in theory, are secure; however, we expect that new crypto exchanges and platforms will bring about new cybersecurity threats and challenges.


The blockchain industry has always been associated with cryptocurrency, and in 2019, it is expected to work on its image as an industry that has a lot more to offer. If the industry wants to operate on a larger scale, it needs to be communicated that the blockchain technology has a lot of uses that are unrelated to cryptocurrency.

Taxation and Regulation

2019 is set to be the year of more widespread, formal, and international crypto regulation. In cryptocurrency news this year, Malta became the first country to have a clear regulatory framework for cryptocurrencies. Countries such as Russia and India have also begun to draft national legislation for cryptocurrencies; and we expect other countries to follow suit – giving way for cryptocurrency to become more legitimate. Preventing money laundering, fraud, and terrorist funding is a prime motivation in putting these regulations in place. If cryptocurrencies are safely policed, more and more people will be confident to use and adopt them.

Contact us at Hogan Injury for expert legal advice.

None of the content on is legal advice nor is it a replacement for advice from a certified lawyer. Please consult a legal professional for further information.

Original article posted on Hogan Injury website

Syndicated article, by permission, posted on Markethive, by Jeffrey Sloe

Visit MarketHive to learn more:

Bitcoin Scams and How to Avoid Them

Bitcoin Scams and How to Avoid Them

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Bitcoin has taken the world by storm, and since its introduction in 2008, it has inevitably faced several controversies. Scammers found a gold mine in the digital currency for many reasons. One of them is the fact that only a few people understand it, which makes it easier to make them believe false promises. Another reason is anonymity – cryptocurrency gives scammers relative ease to cover their tracks. Lastly, a major reason is that it is largely unregulated. Bitcoin chiefly operates outside of the conventions of a financial system; and this worries regulators as it has the potential to be linked to money laundering, tax evasion, fraud, and terrorist funding.

What are the most common bitcoin scams and how do you spot them?

Fake Bitcoin Exchanges. One popular example for these would be South Korea's BitKRX, which posed to be a branch of the country's Korean Exchange (KRX) and claimed to be a platform to exchange and trade bitcoin. Ultimately, it turned out to be fraudulent. There are also those that pretend to be connected with well-known exchanges using apps or fake websites; users are scammed when they log in and their account details are given away. When you are directed to a website, make sure that the URL has “HTTPS” rather than just “HTTP.” Without the letter S, it means that the web traffic has no security and encryption.

Ponzi Scams. Someone promises an incredible return of investment using bitcoin and a lot of people buy in it. Before you know it, someone runs off with all of your money. That's basically how Ponzi schemes work. At first, victims will be made to believe that it actually works – say, the digits in their bank account are increasing. This will also make them talk about its “success” and convince others to join in. Eventually, calls to the customer service are unanswered, there are technical problems with the website, or the money will be remitted late – among several excuses while your money disappears for good. If you see ads that sound like, “double your bitcoin overnight,” they're probably scams. How it usually works is you have to send them your money first before they can double it.

Pyramid Schemes. Scammers use bitcoin as a product in pyramid scams. In these schemes, your low initial investment will be multiplied if you invite more people to sign up. After a lot of people have invested their money, the original scammer walks away with all the money.

Malware. Hackers have long been using malware in order to get a hold of other people's login credentials and account details. Now, it's being used to drain Bitcoin wallets that are connected to the Internet.

How do you avoid falling into these scams?


  • If the offer is too good to be true, stay away from it.
  • Be vigilant on social media – legitimate bitcoin traders and brokers can be victims of poser accounts or impersonators.
  • Never conduct financial transactions via direct messages on social media platforms.
  • Do your homework and research on services and platforms you encounter; verify their claims and check their legitimacy or whether they are a registered corporation or not.

Contact us at Hogan Injury for expert legal advice.

None of the content on is legal advice nor is it a replacement for advice from a certified lawyer. Please consult a legal professional for further information.

Original article posted on Hogan Injury website

Syndicated article, by permission, posted on Markethive, by Jeffrey Sloe

Visit MarketHive to learn more:

Joseph Lubin: Blockchain Will Permeate Society More Than The Internet

Joseph Lubin: “Blockchain Will Permeate Society More Than The Internet”

He also said Ethereum is "Much Better" than Bitcoin

ConsenSys founder Joseph Lubin once again made clear his optimistic but cautious vision of the future of crypto. In an interview for the German news portal T3N, the also co-founder of Etherum expressed that blockchain technologies can redefine the future of technologies towards a more user-friendly orientation.

Web 2.0 vs Blockchain or Web 3.0

According to Lubin’s vision, nowadays the famous Web 2.0 focuses on protecting the interests of content and technology providers. For Lubin, the current business model looks at consumers as mere products. The blockchain technologies represent a revolution as they imply a necessary philosophical change in the business world:

“These Web2 business models are effectively in control, and as you know, they treat us like a product. They try to get a lot of information out about us so they can charge more for the product. And they have found ways to use man’s evolutionary drives so that they can make us dependent on their system, so that they can sell us more often as a product. Blockchain, on the other hand, enables a self-determined, sovereign identity. We can write our identity on blockchain systems and control it from our side of the browser. Identity will become very important in Web 3.”

For Lubin, it is still too early to talk about the possibility of implementing truly influential applications. Blockchain technologies do not yet have the necessary maturity for this type of development; however, he stressed that it is very possible that these advances will occur in a “not so distant future”:

“There are some projects moving in that direction, but it is extremely early in the development of technology. We build thousands of different components, building blocks, tokens, protocols, exchanges, and tools for identity and reputation. At a point in the not so distant future, when these systems are sufficiently scalable, we will be able to build a decentralized social network.”


Jose Lubin: The Future Looks Promising, But It Will Take Some Time

Several experts have considered blockchain technologies as the most important technological breakthrough in history since the appearance of the Internet, however for Lubin it is important to note that although it took more than two decades for the Internet to have the level of social influence it has today, blockchain technologies could take longer because of its high level of complexity:

“Blockchain is growing exponentially: There are hundreds of projects that are already practical for people. And they will enable people to build even more things that will be practical again. That’s how the web was developed. It will probably take a little longer because it’s much more complicated. Also because we work with issues like digital money, Blockchain will penetrate society more than the Internet. Everything will be networked in a Web3.0.”


ETH is “Much Better” Than BTC

The interview ended with a small comparison between Ethereum and Bitcoin. As expected, the co-founder of Ethereum considers ETH to be a better choice than the “Crypto King.” He also hopes that in the future the value of the token will be similar to that of Bitcoin:

“(ETH) is also cheaper and faster to transport values with it. It’s much better money than Bitcoin. I assume that it will be used much more than money … We expected it to level off at about the same amount as Bitcoin.”

Original article written by Jose Antonio Lanz and posted on Ethereum World News

Article reposted by Jeffrey Sloe

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Paying with Bitcoin: What You Need to Know

Paying with Bitcoin: What You Need to Know

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Cryptocurrency, especially Bitcoin, continues to rise in popularity despite its value’s volatility recently; and if you are looking to use bitcoin to pay for things, you have to take due diligence in knowing how to do it, where you can spend bitcoins, and what the risks and advantages are.

How do you pay with bitcoin?

First, you need a bitcoin wallet. There are free bitcoin wallets available for smartphones and all major operating systems. Just like with a physical wallet, you must always secure it – this means being careful with online services, putting backup and encryption, and putting just small amounts in it for everyday use.

What are the advantages?

  • Anonymity. Your purchases are discrete with bitcoin, which means they are never associated with your personal identity. In fact, the bitcoin address generated is different for every purchase you make.
  • Low Transaction Fees. Since there is still no government involvement in bitcoin transactions at this point, the costs of transacting are very low.
  • Mobile. Since paying with bitcoin can be done using an app on your mobile phone, you can pay for our purchases anywhere you are as long as you have internet access.
  • No interruptions. Since the bitcoin system is purely peer-to-peer, it is void of involvement of banks, financial institutions, and the government.
  • No Sales Taxes. One major advantage of paying with bitcoin is that no sales taxes are added in your purchases since there are no third parties identify or track them.

What are the risks?

One thing that you need to understand is that bitcoin, no matter how popular it has become at this point, is still experimental. Getting into bitcoin now can mean that you have to deal with the growing pains as it still at the stage in which it is still improving and such improvements may bring about new challenges.

Bitcoin price very volatile. You should look at bitcoin as a high risk asset and you must not keep your savings with bitcoin at this point.

You must adopt good practices in protecting your privacy as bitcoin is not entirely anonymous. Your identity behind the bitcoin address you’re using may be anonymous, but transactions and balances in your address can be seen by anyone.

Bitcoin payments cannot be reversed, so only transact with people you trust and business that have already established their reputation. Beware of scams, fake ICOS, and fraudulent activities.

Contact us at Hogan Injury for expert legal advice.

None of the content on is legal advice nor is it a replacement for advice from a certified lawyer. Please consult a legal professional for further information.

Original article posted on Hogan Injury Website.

Syndicated article, by permission, posted on Markethive, by Jeffrey Sloe

Omega-3s from Fish Linked to Healthier Aging

Omega-3s from Fish Linked to Healthier Aging

22-year study tied higher omega-3 blood levels to better health outcomes

11/01/2018     By Craig Weatherby

Harvard researchers once estimated that the average American’s lack of omega-3 fatty acids from seafood could cause up to 96,000 premature deaths annually in this country.

Out of a dozen dietary, lifestyle and metabolic risk factors, the Harvard team ranked low omega-3 intakes as the sixth most dangerous risk factor for premature death (Danaei G et al. 2009).

In fact, they ranked low omega-3 intake as a bigger risk factor than high intake of trans fatty acids, also known as trans fats. To learn more, see Omega-3 Deficiency May Cause 90,000-Plus Deaths Annually.

Now, the results of an extraordinarily long, reliable study link higher omega-3 blood levels to healthier aging, by reducing the risks for diseases known to cripple or kill people as they grow older.

New study links higher omega-3 blood levels to healthier aging

For the study, Tufts University researchers lead colleagues from the University of Pittsburgh, the universities of Texas, Washington, New Mexico, and Oregon, and more.

The team, led by Heidi Lai of Tufts, looked for any links between blood levels of specific omega-3 fatty acids — three from seafood plus one found only in plants — and healthy aging (Lai HT et al. 2018).

Their analysis was based on blood test and health data gathered from 2,622 adults who’d taken part in the U.S. Cardiovascular Health study from 1992 to 2015.

Among the volunteers — whose average age was 74 years — 63% were women and 11% were from non-white ethnic groups.

At the outset of the original Cardiovascular Health study, the researchers conducting that investigation measured the participants’ blood levels of various omega-3 fats, whose levels were measured again six and 13 years later.

The blood tests measured four different omega-3 fats — EPA, DHA, and DPA from seafood, and ALA from plant foods — whose differences we describe under “Important distinctions among omega-3s”, below.

Based on those measurements, the participants were divided into five groups (quintiles), based on omega-3 levels that ranged from lowest to highest.

After reviewing the participants’ medical records, the researchers found that 89% experienced unhealthy aging over the study period, while 11% experienced healthy aging — which was defined as being free of major chronic diseases and mental or physical dysfunctions.

Comparison of each participants’ omega-3 blood levels to their health status revealed that those with the highest levels of seafood-derived omega-3 EPA were 24% less likely to experience unhealthy aging, compared to those the lowest EPA levels.

In addition, the participants who fell into the top three quintiles of seafood-derived DPA blood levels were 18-21% less likely to experience unhealthy aging.

Surprisingly, neither seafood-derived DHA nor plant-derived ALA were associated with healthier aging.

The authors said that the link between high EPA levels and low risk for unhealthy aging might relate to EPA’s role in regulating blood pressure, heart rate, and inflammation.

However, DHA also plays a key role in regulating inflammation, which is a major risk factor for cardiovascular disease, dementia, and other conditions associated with aging — which makes the lack of a link between DHA and healthy aging very surprising.

It’s important to note that this was an observational study, and as such doesn't allow any firm conclusions about a cause-effect relationship between omega-3 levels and health outcomes.

And although the results of the analysis were adjusted to account for the known health effects of various social, economic, and lifestyle factors, some of the observed links between omega-3 levels and health risks might be related to other, unmeasured factors.

That said, the study was unusually long (up to 22 years of monitoring), and relied on blood tests, rather than mere estimates of omega-3 intakes based on diet questionnaires.

When all was said and done, the researchers’ analysis linked higher blood levels of omega-3s from seafood — EPA and DPA — to a lower risk of unhealthy aging.

As they wrote, “These findings … support guidelines [that call] for increased dietary consumption of fish among older adults.”

We’d add that the findings also support higher consumption of fish amongst people of all ages, because it takes decades for diseases to develop, and it makes no sense to wait.

New findings fit with those of prior studies

In addition to the 2009 Harvard study described at the beginning of this article, two similar ones verify the anti-aging benefits of omega-3s from seafood.

Five years ago, researchers from the Harvard School of Public Health linked higher omega-3 blood levels to reduced risk of death from any cause — especially deaths from coronary heart disease — in older adults (Mozaffarian D et al. 2013).

That same year, a separate study from the Harvard School of Public Health linked higher blood levels of omega-3 DHA and EPA — but not higher levels of omega-3 ALA or omega-6 fatty acids — to reduced risk for cardiovascular disease (de Oliveira Otto MC et al. 2013).

The findings of that second study undermine persistent advice to replace animal fats like butter and lard with vegetable oils, without making important distinctions among various vegetable oils.

Unfortunately, most of the cheap vegetable oils consumed in the US are very high in omega-6 fatty acids — a fact that explains America’s extremely excessive, hence pro-inflammatory, intake of omega-6 fats.

Rather than corn, soy, safflower, and sunflower oils, which are very high in omega-6 fats, it’s better to choose oils that are high in monounsaturated oleic acid and/or omega-3 ALA.

The best choices are extra-virgin olive oil, high-oleic sunflower oil, macadamia nut oil, and canola oil (look for non-GMO canola).

Important distinctions among omega-3s

Seafood is the only good source of EPA, DHA and DPA, while considerably smaller amounts of ALA are found in certain plant foods — especially leafy green vegetables, walnuts, and flax seeds or flaxseed oil.

Omega-3 DHA and EPA are both essential to immune function — especially inflammation control — while DHA is essential to brain and eye function and child development.

Our bodies can only convert very small proportions — one to 10% — of dietary ALA into EPA and can only turn small proportions of that EPA into DHA.

That limitation explains why it’s a very good idea to either eat ample amounts of seafood — especially fatty species like salmon and sardines — or take supplemental fish or krill oil.

While ALA is modestly healthful, studies don’t find it nearly as beneficial as DHA or EPA, which are the only omega-3s the human body requires to survive and thrive.

In fact, virtually all dietary ALA that isn’t used to make EPA and DHA gets “burned” as fuel.


  • Danaei G, Ding EL, Mozaffarian D, Taylor B, Rehm J, Murray CJ, Ezzati M. The preventable causes of death in the United States: comparative risk assessment of dietary, lifestyle, and metabolic risk factors. PLoS Med. 2009 Apr 28;6(4):e1000058. Epub 2009 Apr 28.
  • de Oliveira Otto MC, Wu JH, Baylin A, Vaidya D, Rich SS, Tsai MY, Jacobs DR Jr, Mozaffarian D. Circulating and dietary omega-3 and omega-6 polyunsaturated fatty acids and incidence of CVD in the Multi-Ethnic Study of Atherosclerosis. J Am Heart Assoc. 2013 Dec 18;2(6):e000506. doi: 10.1161/JAHA.113.000506.
  • Lai HT, de Oliveira Otto MC, Lemaitre RN, McKnight B, Song X, King IB, Chaves PH, Odden MC, Newman AB, Siscovick DS, Mozaffarian D. Serial circulating omega 3 polyunsaturated fatty acids and healthy ageing among older adults in the Cardiovascular Health Study: prospective cohort study. BMJ. 2018 Oct 17;363:k4067. doi: 10.1136/bmj.k4067. Erratum in: BMJ. 2018 Oct 23;363:k4445.
  • Mozaffarian D, Lemaitre RN, King IB, Song X, Huang H, Sacks FM, Rimm EB, Wang M, Siscovick DS. Plasma phospholipid long-chain ω-3 fatty acids and total and cause-specific mortality in older adults: a cohort study. Ann Intern Med. 2013 Apr 2;158(7):515-25. doi: 10.7326/0003-4819-158-7-201304020-00003.
  • Zhu Y, Ferrara A, Forman MR. Omega 3 polyunsaturated fatty acids and healthy ageing. BMJ. 2018 Oct 17;363:k4263. doi: 10.1136/bmj.k4263

Original article posted on Vital Choice's website

Article posted by Jeffrey Sloe

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