#they dont want to stop me in case i provide new data

[bobmonkee]

Me every time I open the infinite fractal box and reveal another box: Wow! Thanks! I've always wanted a box!

The aliens performing unethical expirements on me: Dude you can stop whenever you want

[yandere-daydreams]

this is the ai anon from before and irenogonffewoonfewon idk how you managed to make my ramblings into an investing narrative, but in that case let me finally put my comp sci courses to good use.

basically, rn we have two major types of ai programs, machine learning and deep learning.

in both cases they use whats called a "black box". the algorithm is given data and a solution and then it has to figure out how to get from a to b.

traditionally, most ai runs on machine learning. we dont teach it how to do something, we just teach it how to learn. its sorta self taught. of course, some algorithms are more supervised than others and often times you give them a sort of base formula to help filter the data they receive (think feeding the ai a bunch of images labelled face and not a face as training data)

but DEEP LEARNING HOLY SHIT. deep learning is why i dont trust ai. humankind went "wow you know what would make our computers faster and smarter. if we modeled them after the human brain". so they built neural networks. with these we give it the problem and a whole bunch of data and say "fix it". the only reason we dont already have sentient sex dolls is because our current programs are only really good at fixing one program at a time (i.e. playing chess, recognizing a face, etc.)

so on a macro level, we know WHAT the program is doing, and we can look at its code and make sure its not like, imploding. but unlike traditional programs you cant really break down the code line by line.

the biggest problem with ai though isnt like the movies where it wants to idk start a robot revolution, but the data we provide is usually flawed. for example, lets say you trained an ai to sort through all your company's job applications to find the best candidates, using the applications that you have accepted in the past as training data. if your company has had decades of misogynistic hiring practices, the ai is going to take that into account. suddenly, its throwing out applications that hint that the applicant is female. spooky right? well, that actually happened with amazon's ai recruiting engine.

the biggest flaw with ai is the data we feed them. they recognize our biases faster than we ever will and then they perpetuate them

now to return to the central topic of. uh. genshin impact sex dolls.

lets assume that the sex dolls are initially trained based on user data, averaged across all users. this would create good starter behavior, right?

except consider the inherent data bias. people who purchase sex dolls are generally gonna be into the kinkier stuff already, which would basically start every android with a one-way ticket to yandere town if their user feeds into that demographic in the slightest. especially the models already intended to be a bit rougher around the edges.

in terms of fixing it, on a global scale, theyd have to add some more protective protcols and sift through the training data to exclude certain outliers or unwanted behavior. on an individual scale, the fastest way would probably be just to reset it to factory conditions.

alright im gonna stop myself before i go feral infodumping again. have a nice day/night :3

ohhhhhhhh so it's kinda like that thing about telling an ai to make ice cream and forgetting to specify that the ice cream shouldn't be made out of, like, babies and puppies and stuff. so, in terms of sex dolls, you'd basically have to specify what a bunch of androids who are already pre-disposed to being a little more violent or a little more possessive can and can't do, down 'can you bruise your user? [no]' and 'are you allowed to dismantle other androids without expressed consent? [no]'.

i also think it'd present a fun new way for androids to get past their safeguards without an apparent glitch. since they're prone to learning from their users and picking up new 'perspectives', safeguards like 'can you physically impair humans who are not your user? [no]' might get changed internally to 'can you protect your user from hostile threats? [yes]'. would it actually fly in most actual ai? probably not. is the programming in my au canonically shotty and am i keeping it in for horny reasons? absolutely.

[orbemnews]

Unemployment Scammer Spills Secrets: Illinois Easy Target Because 'They Don’t Verify Anything' By Dorothy Tucker CHICAGO (CBS) — You’ve heard a lot about fraud in the state’s unemployment system, but you’ve never heard this: A scammer spills his secrets — how he steals your taxpayer dollars, leaving those desperately needing benefits stuck in limbo. CBS 2 Investigator Dorothy Tucker went inside the scheme and uncovers why Illinois is a favorite target. Cynthia Sawaneh couldn’t believe what CBS 2 showed her on her computer. The information she was looking at usually lurks in the shadows, meant for criminals who are aiming to make millions, targeting taxpayers like Sawaneh. “This is really scary. Oh my God,” she said after reading the words on the screen. “They got my money.” The CBS 2 Investigators showed Sawaneh a 19-page guide. It’s a how-to on filing fraudulent unemployment claims. “It’s like any other step-by-step tutorial,” said Crane Hassold, who is the Senior Director of Threat Research at Agari, a business email security firm. “It walks you through exactly what questions to answer.” Before Agari, Hassold worked in the FBI’s Behavioral Analysis Unit, investigating national security threats and serial criminals, like those scamming unemployment systems across the country, including here in Illinois. “They’ve adapted their tactics,” he said. His job at Agari is to cultivate a network of sources, willing to sell their scamming secrets. “We’ve been able to build those sources over the past year or so,” he said. As a result of the connections made, Hassold knows their tactics and the tutorial well. “It’s a lot of screenshots and very brief descriptions of how you should fill out the information,” he said. The tutorial for Illinois describes which section to leave blank, when to click next and where to answer “no.” It also describes how to fill out the phone number — just find the area code and the rest can be “rubbish”. “What’s really surprising is how open a lot of these cybercriminals are to share how they do what they do,” said Hassold. The scammers are also telling Hassold and his team how they get their hands on the money. “Once a claim has actually been filed and everything’s processing, it provides the user with an opportunity to change that direct deposit method,” said Hassold. Translation: it makes it easy for the thief to steer stolen funds to an accessible account. We’re not telling you where or how to find the tutorials, but we will say it took us less than 24 hours to get an offer to buy one.  All it took was a series of text messages with someone with a tutorial to sell and pictures to prove it. The asking price? $50 in bitcoin or cash. “It’s completely disgusting that this exists,” said Ofer Eckstein who is a partner at Personnel Planners, a third-party vendor helping clients process unemployment claims. Describing the amount of fraud right now, he said, “It’s terrible.” His clients feel the pain. Personnel Planners has 1,200 across the state representing school districts, healthcare facilities and restaurants. His clients employ about 200,000 people. “Over 50% of the claims that we receive in our office are fraudulent claims,” Eckstein said. Before the pandemic he said it was “Less than 1%.” The bogus claims Eckstein sees are just a fraction of the fraud. The Illinois Department of Employment Security reported, between March 2020 and January 2021, it had stopped close to one million fraudulent claims. Cynthia Sawaneh’s case is one of them. After her work hours cut back from 40 hours a week to just 16 hours, she applied for unemployment benefits in late October. She received one deposit, $397, before getting a letter from IDES saying, “…that my identity had been compromised. Therefore, my unemployment was ceased,” said Sawaneh. Like so many identity theft victims, she knows scammers have her personal information, “My employer, my address, my name, my date of birth,” she said. But Sawaneh has one big outstanding question. “I would really like to know how they got my information,” she asked. Here’s how. Scammers bought it, probably off the dark web. It’s the same place criminals shop for drugs, guns, fake passports and social security numbers. Paul Petefish, with Chicago’s Evolve Security, showed CBS 2 how easy it is to find those things. “Right here we have list of markets,” he said. A five-minute search turned up nearly 500 vendors. “This is somebody’s driver’s license,” said Petefish.   Precious personal information for sale collected from massive data breaches in the past. Among those: The 2013 hack of three billion Yahoo accounts that exposed names, email addresses, phone numbers, birthdates, passwords as well as security questions and answers. The 2018 hack of 500 million Marriott accounts revealing customers’ names, addresses, phone numbers, email addresses, birthdates and gender. Hackers also got some payment card numbers and expiration dates according to the Federal Trade Commission. The 2017 hack of Equifax where the personal identifiable information of 147 million people got stolen, including their names, social security numbers, birthdates, addresses and in some cases, their driver’s license numbers. What’s the cost to buy that information now, all these years later? “This one’s $40. This one’s $8,” said Petefish. Who is buying this information and then using it to steal identities, file fake claims and slow down benefits for the jobless or underemployed who are struggling, like Sawaneh? Her unemployment benefits suddenly stopped and her identity appeared to have been compromised. She now visits food banks frequently to feed her family.  “It’s things I find myself doing that I’ve never had to do before,” she said. Another first: “All my bills are behind,” said Sawaneh. Even her mortgage.  “There are times that bills come in and you don’t bother to look at them because it just depresses you,” she said. She had just bought her very first home and now worries about losing it. “I never would have dreamed that I would have to go through this,” said Sawaneh. Scammers could not care less about her struggle to keep food on the table, make a dent in the growing pile of bills or keep her dream home. Many of them reside far away from the South Side of Chicago where Sawaneh lives. They live in the dark recesses of Russia, Europe, and West Africa. “A lot of the scammers are young, They’re quite highly educated,” said Crane Hassold whose sources are in Nigeria. “It’s a job. This is how they make their living,” he said. So, he pays them $150 in cryptocurrency, untraceable money, to talk. “They want to brag about the crimes that they’re committing,” said Hassold. What one scammer told him about our unemployment system will make you cringe. The scammer said: “They don’t verify anything. What they just check is, is the name and the social security number the same? Is the date of birth on the Social Security number correct? That’s the only thing we have to get right on our part. Once they have gotten those kinds of information, it is over?” And get this, scammers consider IDES an easier target than most. Why? “Primarily because of some of the restrictions that are not in place in Illinois may be in place in other states,” Hassold explained. He means better security measures like in Oklahoma, where a new identity verification tool was put in place in November. It’s a Digital ID program from IDEMIA. Oklahomans who file unemployment claims are now required to upload their driver’s license and take a selfie. The new tool uses facial recognition technology to make sure the faces match. “And this picture was taken recently and wasn’t pulled off the website or something like that,” said Shelley Zumwalt, the Executive Director at the Oklahoma Employment Security Commission (OESC). In just the first month using the new identity tool called VerifyOK, OESC saw fraud cases drop by 40%, verified and paid 100,000 legit claimants and saved taxpayers $20 million. “It helped quite a bit,” said Zumwalt. How long will it help? “This is a very difficult group of people to stay one step ahead of,” said Michele Evermore with the National Employment Law Project. She works with states to improve their unemployment systems and make them more secure. “After they figured out how to shut them out one way, the fraudsters figured out another way to get in,” she said. “Wherever there is an opportunity to make money, a lot of these scammers really jump on and try to make as much money as they can,” said Hassold. Making money at the expense of faceless victims like Sawaneh. “We don’t know them. We don’t know who they are. We don’t familiarize with them. It’s just an hustle to us over here,” said the scammer Hassold paid for his insight. What’s a hustle to the overseas scammer is harmful to people here in Illinois, like Sawaneh, waiting on benefits, trying to make ends meet and worrying about the future. “It’s been stressful to me. Many nights of no sleep. Waking up early, walking back and forth around the house. It’s a terrifying situation to live in,” she said. The question is what is IDES doing to stop scammers? We asked. The agency didn’t exactly answer that question. However, last week the agency did release a statement announcing new requirements. Now, all pandemic unemployment claimants will have to upload a paycheck stub, W-2 or some other proof of employment. Will this prevent fraud? We’ll have to wait to see. Also From CBS Chicago: Source link Orbem News #Dont #Easy #Illinois #Scammer #secrets #Spills #Target #Unemployment #verify

[tumblunni]

its weird how like my fave genre of games could be vaguely categorized as ‘nurturing things’ yet i fuckin hated every single thing of that kind that was pushed on me as a child

like hell yes i love pet games and games where you get customization and a sense of progress on building your character, and like even i like ‘parent games’ when they’re that sort of thing instead of just weird shoddy gross baby diaper changing bullshit. Like wtf who on earth even wants a game about raising a kid where you don’t get to see them grow up and graduate high school and make you proud in one of 63 careers?? seriously i am still so salty that this is such an underutilzed genre and i still have to play creepy anime fanservice dos games from the 90s cos thats ALL I HAVE. Why u showing my perfect sweet videogame child in creepy fanservice costumes I JUST WANT TO SUPPORT HER ACADEMIC LIFE

but anyway lol WHAT I MEAN IS

even though i LOVE that stuff i fuckin hate all that cliche ‘girl toy’ bullshit I love character customization but I hate it when its framed as ~lol girls just inherantly love fashion oo catty girl time~ and you only have this one stupid sexist creepy giant boobs doll and no customization except costumes and the only costume options are either sexualized or really stereotypically ‘girly’ and also you have to be rich as fuck to buy all these stupidly overpriced individual outfit packs and then you cant even DO anything with your barbie! at least in a videogame you can have the novelty of replaying the same cool fantasy adventure with your different characters, and like.. it has actual substance BEYOND just the customization! And I mean you can see your customization in action in a 3D environment and having a Story and Cool Powers and a voice and animations and all that jazz! And interacting with canon characters without having to buy all those separately too, and then do terrible impressions of the voiceacting from the show on your own... cos man that’s what i used to actually do with any ‘girl toys’ i was given, i saw absolutely ZERO appeal in having fifty ordinary houses where you can do nothing but sit barbie on a damn chair and gossip about husbands or whatever. Like fuck that’s already lazy and awful cos you’re telling the kid to make up their own reasons to find any enjoyment from the damn toy, but at least cliche ‘boy toys’ got like... a story template. And one that;s actually interesting and involves fighting n shit, and their accessories actually GIVE THE TOY NEW FEATURES but yeah like even making up a whole new story about barbie being a superhero got boring quick, cos she wasn’t remotely relateable or interesting. Like I’m glad that nowadays they do more with the character but even if they’ve fixed some of the predjudiced shit she’;s still.. not interesting?? just gone from cliche fashion boring to absolutely personalityless ‘good role model’ with no defining traits whatsoever. So I used to just destroy barbies or make her the villain in everything, and had a big box of naked barbies with missing legs and stuff while i gave all their accessories to all the pokemon and digimon. Still really pissed at how few of the outfits would fit on Impmon! Seriously it sucks that also all the good ‘boy toys’ were really stereotypically macho in one way or another so i was barely ever allowed to have them and i felt like they hated me even when i did get to play with them. And the only tv shows at the time that I liked that weren’t ‘for girls’ or ‘for boys’ were pokemon and digimon, which were still kinda treated as ‘for boys’ but didn’t even get the ‘boys style’ of merchandise. like barely ever poseable dolls that i could use in more creative play, they were just like collectables you put on the mantlepiece. I WOULD HAVE KILLED FOR CYNTHIA NENDOROID BACK THEN!!! i used to break all my damn digimon trying to fit them into lil outfits or throw them around doing battles, and then i made myself hella sad. I’m sad I don’t still have that super broken but extremely loved patamon transformer doll, that thing was THE BEST! like man why did they stop doing those after the first season?? actually digivolving your digimon was the best damn idea! did they get sued by transformers or something...??? and I mean GEEZ its not like I didn’t like cute stuff or hugging stuff or being nurturing or friendly or whatever people claim is the ‘wholesome value’ that female stereotypes teach kids. but man all that shit just ruined the stuff i loved! its so alienating! and why is it always super low quality and limited?? fuckin Baby Alive Really Pees And Poops,And Does Nothing Else Ever And Has No Personality. yeah girls you sure wanna see only the bad sides of nurturing and be told over and over that your life is gonna be nothing but this as soon as you inevitably start wanting to marry boys, which is totally gonna happen according to every damn adult, and will feel like a death sentence to any kid with any other sexuality. like I fuckin got my Official Digimon Tamagotchi and it was like the whole world opened up to me, like wow Pets Can Actually Do Things Other Than Shit. And i mean at least in an lcd game thing the pet shitting actually serves some damn purpose and provides resource management gameplay to decide what evolutions you get, instead of just Somehow You Should Enjoy Changing Diapers, You Little Fuck. I loved that tamagotchi so much i fuckin broke it too, like WHY WAS KID BUNNI KRYPTONITE TO TOYS?? the battery crapped out cos like i held it too tightly and the case on the back got loose?? so it’d short circuit whenever it went into sleep mode and wipe all my save data. and i still kept playing even though i could never digivolve anyone beyond their first stage before it glitched out. And then I got THE PLAYSTATION VERSION WITH ALL THE GRAPHICS and just AAAAAA it was like the best fuckin thing ever. and Monster Rancher!! and Princess Maker!! kid me could spend 60 straight hours looking after nonexistant babies and talking dinosaurs and cry like a damn bitch when they died so DONT TELL ME I’m lacking in healthy nurturing skills just because i don’t wanna be mr marketing guy’s fucked up idea of a straight woman...

...man sorry this post turned into a really weird rant why did i think about this at 1am

also like even flash game internet dollmakers are better than the cliche stereotype dolls they were based on god I’m perfectly fine with collecting a bunch of things if they’re not forcing some offensive message down my throat! i still remember how confused and pissed off i was when i figured out that my little pony was supposed to be A Gender Thing too, like geez they’re fuckin horses. and the show was actually like THE ONLY THING i was allowed to watch that had actual adventures and fighting monsters and stuff! its so bad and minimal now that i look back on it, but like man it was all I had. No wonder i got so into pokemon when it came out, look here’s a thing to collect that’s all ABOUT fighting monsters! i always wanted figurines of the monsters from those dumb girly shows, it was so annoying that MLP g1 had that episode about ‘oh the Crabnasties are people too, they’re not evil just because they look gross’ and then WHERE IS MY COLLECTABLE CRABNASTIES THEN?? WHY CANT I PUT CUTE ACCESSORIES ON THEM?? fuck u that was the most memorable episode also actually why did i have to wait so many pokemonn generations for a crab that appealed to me? krabby is so boring, its just a crab with weird human eyes. and i’m inexplicably creeped out by that one from gen 3 cos its like an optical illusion, i thought the markings were its face! thank the gods for crabominable and also damn the gods for it being hated by 90% of the fandom for reasons I will never understand :( ...BUT STILL WHERE IS MY CRABOMINABLE BEAUTY PARLOR PLAYSET YO

fuck its 1am why am i still awake why can’t i stop thinking about dragon quest 9 but you play as crabs THAT WAS THE BEST FASHION SIMULATOR EVER, DAMMIT

[wefreenetflixaccount-blog]

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[metamorphosingbrick]

IF YOU CAN DREAM IT, YOU CAN ACHIEVE IT

Recently i wrote an assignment for shivali. One that i should have done for myself long time ago. 

Ten years down the line, i want to working in UN in their communications department. Visiting people and conveying the story of independence and life just like i am doing now. but to people who will look upto the scene. I want to be efficient in achieving my goals starting this moment in my life. 

It’s not important to not let people in, but to make sure that i have to be strong enough to let them break me so that like a phoenix i can rise from the ashes. It’s not about boys or heartbreaks - why should i let my happiness dwell in others. By the end of this decade, i want to be a practical person who is not afraid of people and what they will think but what will affect me and my existence. 

I want a 1:1 but 2:1 seems close for the hardwork i have been able to provide. I want to compete with myself and be better at what i do. This guy says whatever he does, “i do it perfectly”. There is so much to learn about him in this wholeheartedly said sentence. You understand how perfectly he makes the tea every morning. I wish i could staple a thank you on every time he takes an extra effort of making tea to a person he doesnt care about. 

The image of myself seems distorted sometimes but i want to align it together. Have an identical image in my myself mirror. I want to align it to fit my conscious. I want to evaluate everything i talk - putting my guards down when i think i should in front of some people- their perception about me. but the real self should also be proud of whatever we utter. Being silent i thought was the solution to it but honestly, being evaluative is the key to the hard times. It’s about how you evualate case stuies and accordingly present it. 

Right after i finish my masters - i want to go to geneva for my internship with UN.And come back to book my place in ireland with a critical skills visa and PR. Once she got the PR- she knew her life would turn monotonous, hence the idea of joining trekking groups as well as learning bharatnatyam as well as becoming the goal weight i should-would she held on. the idea was clear - everyday should be a better version of herself starting the sun rise. She directed her energy in loving others and herself to the extend that she didnt have to rely on another person. her joy lied in meeting new people and being efficient at work. Once she gets a job in BBDO, she exceled with her clients and soon moved to Google. There was no stopping. She knew what she wanted in life. She worked hard towards it.She could cherish the oppurtunity because she w=have had that dream since she started using computer. Excel in her job, work on data and understand the value generation in the same.

She had been with an IIT-ian hence she knew that they exceled not because they have brains but because they have a different outlook towards life. She didnt like IIT-ians because they are nerds but the outlook towards life changes when yo are in their company. That makes all the difference. An ideal IIT-ia boy who has studied abroad and planned to settle in Europe is the guy she willl be looking for. Eventually she finds a bengali guy and settles in with him. Though smart in his life, he never did the cliche romantic scene. He was a simple man just like her father who calculated every outcome and had forsight about every individual. She never expected love from him either, she was happy in herself. She knew after all the heartbreaks- she didnt want the cliche- she wanted a simple guy who knew her needs and necessities and respected it. Someone who treated her parents with respect and someone who played football or any sport. A guy who she can have converstaion like an adult and had knowledge about his roots and culture. A guy who could sit with his family and have conversations. A guy who with me- doesnt have to think that he isnt good enough because i am sure that he will be perfect. He would be my choosen one. 

WIth marriage in her life, she by now had quit smoking and adopted a green tea lifestyle. Something she always wanted to achieve. Something which she thought would be what her true self would want. Life is different when you are married but that shouldnt come in her way. She will be the same person, just abit thoughtful about the guy.

With Google paving her way to success, she applies to UN to join her brother in the bandwagon. Her smile when her father gets to know about the appointment letter in UN. Thats her dream - the dream of father feeling proud that he daughter finally made it to the dream organization in the world. The journey should be worth telling and sharing. A common- average but not so average girl made it against all the odds. 

With joining UN, my mission in life doesnt halt. I still want to make difference hence i go online and share my story to understand what stops people from achieving their dream. And provide a solution with how can they cross the hurdle just like i did. I want to survive and tell my journey out loud. Stand at the podium in singhania in hamsadwani- and say how i dreamt of coming and telling my story here when i was in school. Tell how i made a difference just like the school made in mine. Make everyone who knows me proud of knowing my exitence. I dont want to put people down with my success but to show everyone whoever thought iw ould go nowhere in life to relaise the power of silence and reams. dreams that do come true. 

Maybe everyone has the dream to look upto themselves and make a difference, be famous but i will be famous just because I want to. Just because i would put n efforts in making myslef capable of handling the challenges and finding a solution to every problem with all my heart. 

I will become famous and achieve every dream written here because i have the makings in me. 

I will have a job and a masters degree because i want to learn what everyone here is learning and apply it to my work. I want to be better version of myslef for my parents cause they will realise how they have bought up their daughter. Everyone who has loved me, it will be a victory for them. I want to see my father and mother - brimming with pride at my victory of getting a masters degree in DCU. I will pay for their lfight fares without hesitation and take them to any place they wish to go. I will take them anywhere they would point their finger at and get them whatever they would want in life. I will achieve victories for my mother so that she doesnt have to take bus and can donate whatever amount she would want in her life to whichever sick patient she can. I would want my baba to be happy with her daughter and content with the fact that his daughter could achieve his dreams of pursuing her masters abroad, settling with a great job there and living upto the standard. 

I aim to achieve success in life and in every step of my life, regardless of every failure i will face- i will conquer it with a smile. No matter how much i have to try , i will keep moving forward. and keep dreaming because if i can dream it, if i can say it, if i can think it, i can do it.

[dailrpwmf-blog]

Is there some kind of insurance I can buy for my pit bull while renting a home/apt?

Is there some kind of insurance I can buy for my pit bull while renting a home/apt?

I m not looking for housing, but I know how difficult it is to get while owning a dog over 25 lbs and a pit bull mix to boot! Is there a type of insurance that I can get that will over-ride or cover whatever it is in the commerical insurance that makes people reject me for my dog breed? I have read somewhere there might be, but I don t know what it is and what was the experience with using it? I m wondering if it s something I should get now and have a history of having or just get when I need it.

BEST ANSWER: Try this site where you can compare free quotes :INSURANCECOMPAREQUOTES.US

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What is the best health care plan for student while attending medical school, like nursing?

What is the best health care plan for student while attending medical school, like nursing?

I m a student nursing and ASAP need some health insurance, including Emergency Room coverage. Does anyone know any type of Health Insurance for medical student like that, affordable and reliable? Greatly appreciate and thanks to all,

BEST ANSWER: Try this site where you can compare free quotes :4insurequotes.xyz

SOURCES:

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[aowanders-blog]

Its hard to become a savvy traveler when you only take one family vacation a year.  This becomes even more challenging when you try something new.  Like renting an RV for a family road trip.  It takes most RVers years to figure out how to navigate the pitfalls of life on the road.  Like campground fees, full RV hookups, camper maintenance, RV memberships, boondocking or even how to pack your camper.  Let alone choosing a destination that your whole family can enjoy.   Even simply refueling your RV can be a bit confusing on your first attempt no matter how many RV gas saving tips you read.   With all the different tanks and their own doors its easy to confuse which one is the fuel tank, blackwater tank, fresh water tank or even the propane tank.  Unfortunately, I just met a lady who filled her fresh water tank with diesel fuel.  Wouldn’t want to be her husband right now. Might have to talk to her about more than just RV gas saving tips.  Yikes!!!   

When refueling your motorhome you need to pay attention.  Not just on which tank your filling, but what gas station your using. You can find all kinds of RV gas saving tips on the internet.  From lowering your RPMs to driving under 55 mph.  Using high octane gas along with fuel additives to even how much weight you are packing in your camper.  There are even apps like TruckMap to help you plan a fuel efficient route.  Then there are farfetched urban myths that claim if you drive at night you get better gas mileage because the pavement is harder.  I had a guy in Wyoming tell me I would get better RV gas mileage driving in elevation because there is less wind resistance since the air is thinner. Theoretically I suppose that is true, but I am not going to plan my route driving mountain passes in a rig that is notoriously known for awful gas mileage. 

The number one RV gas saving tip I can provide from personal experience is avoid refueling your motorhome camper at truck stops like the black plague! Because neighborhood gas stations only authorize $1 before refueling, but truck stops authorize $150-$500 depending on which pump you use.  Passenger car gas pumps usually get hit with a $150 pre-authorization charge, and trucker gas pumps pre-authorize $500 at each refueling stop. These pre-authorization holds can tie up you RV road trip money for up to a week!  So when refueling your RV, Camper or motorhome always use the car pumps or a neighborhood gas station.  Or better yet go inside and pre-pay for your fuel to avoid unwanted bank holds on your travel funds.

Truck Stop Gas Saving Tips for RVers

Truck stops can destroy a family vacation in less than a second because filling up at the wrong pump can cost you thousands of dollars a day?  Up until a few years ago I used to rely heavily on routes that supported truck stops for all my RV gas saving tips.  While traveling from one destination to the next in my travel trailer.  Until one day when the gas pump declined my card.  Attempting to pay for fuel inside the cashier also informed me my card was declined.  A bit nervous and scared someone had gotten a hole of my card number I quickly logged into my bank account to see the previous 10 truck stops at placed a $500 hold every time I refueled my rig for a measly $50!!!   I was completely cut off from my road trip funds until the truck stops closed their credit card batches and my financial institution processed the transactions. 

After the initial shock and rage wore off I found a spot to post up and call home in the parking lot while I waited for the world of finances to do what they do.  I assumed by morning everything would be finalized, but what I was unaware of was that Monday was a banking holiday and my small mountain bank was going to take their sweet time.  For 7 days I was denied access to my travel money because $500 worth of gas had put a freeze on $5,000 of my road trip money!

How does this happen?  By refueling your RV at the wrong gas station, wrong pump or wrong point of sale.  Technologies a pain in the ass sometimes!

RV Gas Saving Travel Hack History

I used to road trip across the country with less than $20 in my bank account, and brag about my RV gas saving tip.  You can still do it today if you’re a savvy traveler like myself, but most people who try are going to incur NSF fees from their bank.  Or worse, find themselves stranded in a destination they don’t want to be.  Years ago, I had a broke travel friend who needed to drive from Alaska to Florida, but only had $100 to his name.

I told him about the RV mistake I made years ago and the RV gas saving travel hack when low on road trip money I learned from this experience.  Where you pay at the pump, and drive as far as you can before the charges catch up with you.  Starting on a Friday gives you one free day with no banking transactions.  In 5 days he navigated 4,700 miles across two countries and only spent $37!  Banks, fuel stations and technology has caught up to this travel hack.  Which brings me to how truck stops can ruin a family vacation in less than a second. 

How Can Bank Holds Destroy a Family RV Trip

Because of people like me, or others who took my RV gas saving travel hack a step further by disputing fuel charges and not paying for any of the gas they purchased we now have bank holds.  I recently had the pleasure of interviewing a retired operations manager (lets call him Bob) for a major gasoline chain about RV gas saving tips, but instead found myself in a conversation about pay-at-the-pump bank holds.  Bob was in charge of fielding customer complaints from around the country regarding their companies policy on bank holds from fuel purchases.  Mainly from road tripping RVers who were following RV gas saving tips they found on the internet.  

While Bob has no affiliation with Pilot the gas station at the center of heated RVers debates and complaints he explains Pilot has no ability to place holds on your money.  They can only request your bank to actually place a temporary hold on available funds until that branch closes their credit card batches for the day.  Once this happens the responsibility shifts to your financial institution to process the transaction.  Depending on the size of your bank, day of the week and even time of the year this process can take up to a week to finalize.  In most cases the bank hold on your money will be cleared up in 1-2 business days.  If you have a small town bank, like I did, that is behind the times of technology this bank hold from purchasing gas for your RV could last even longer than a week.  The same inconvenience can occur for nationwide banks with branches across the country on busy holiday travel camping weekends like Memorial Day, 4th of July and Labor Day.  Don’t forget about other weekends like Sturgis, Burning Man & Coachella who draw massive crowds of people from around the country. 

Combine this with the inherently awful gas mileage of your camper you might become an unsuspecting victim during your family RV road trip.  Because while the normal bank request hold for fuel purchases is between $50-$75 for passenger cars.  Pilot Fuel Stations has adopted a new company policy to request a financial hold on fuel purchases of $100-$150 for passenger cars, and $500 for semi-truck pumps.  Most RVers fill up 2-3 times a day.  So you can see a bank hold of $100 each time can add up fast, and if you make the mistake of filling your RV up at the semi-truck pumps you could rack up thousands of dollars of bank holds in one day! With no options but too wait for the bank to finalize the transaction of your RV fuel purchase. 

Don’t use the semi-truck gas pumps to fill up your RV or you will incur a $500 hold on your bank account!

In addition to being out of your normal travel areas while refueling your RV several times a day across vast distances may trigger fraud alarms at your financial institution forcing them to shut your card off!  Before interviewing Bob I met a lady who was stranded in Eastern Montana because she refueled her RV 7 times at Pilot gas stations using the semi-truck gas pumps in one day.  Each fuel purchase was less than $100, but Pilot requested a $500 hold each time for a grand total of $3,500!!!  She started out with roughly $3,800, and now had less than $200 her name while she waited for her financial institution to process the transactions.  Luckily for her she ran into me because I knew of a free campground less than 10 miles away she could stay at for 10 days.  Complete with showers, bathroom & even free firewood in Columbus, Montana.  Needless to say she was pretty thankful to not only run into me, but that she wasn’t on a time frame either. 

How To Avoid Bank Holds When Refueling Your RV

From my backing packing days I learned all kinds of financial travel hacks.  My favorite is using an alternative payment method.  When traveling I have always had some form of online wallet that I only load a limited amount of traveling funds too.   Whether that is Paypal, Netspend or prepaid credit cards, and I usually only load up a couple hundred dollars at a time.  This way if someone steals my wallet or I use an unscrupulous credit card reader thieves don’t have access to all of my travel money.  The same travel hack can be used when road tripping in your RV.  Using a secondary payment method or online wallet guarantees that your road trip travel funds won’t be tied up in bank holds because instead of putting a hold on your finances they just limit the amount you can purchase.  Usually $50-$75. 

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Another RV travel hack method to keep your finances available when refueling your motorhome is to not pay at the pump.  Walk inside the store and tell them the amount you want to charge.  If you come up short guessing how much your RV needs when refueling the difference gets refunded to you.  Instead of waiting on credit card batches to be processed to lift bank holds for 3 or 4 times the amount of what you actually needed.  Now you’re simply waiting for banks to process your transactions and refund you the couple of dollars here and there that you didn’t use.  Which would you rather be waiting on?  $20 in refunds or $1,500 in bank holds for refueling your RV.

One other way to avoid these vacation killers is to use your debit card.  When using your debit card and entering your pin number at the point of sale all transactions occur in real time.  I was a holdout for a long time before embracing this type of transaction.  Who knows where those numbers are being stored and who has access to them, and while that’s not an unfounded fear.  Hear in the states things are pretty secure, and banks are quick to side with you regarding any fraudulent charges. 

If you are low on funds or want to avoid bank holds when refueling your RV during the family road trip go inside and prepay.  This stops the hold and lessens the risk of credit card fraud.  Leaving you access to all your travel funds.

Stop Refueling Your RV At Truck Stops

Truck stops are great for what they are, but if your new to RV life on the road truck stops are not where you want to learn your RV lessons.  Truck stops are great for one night stand boondocking sessions, filling up on road trip supplies, quick bite to eat, showers and even navigation tips.  But when it comes to refueling your RV truck stops are a budget killer.  Because truckers pump $500 worth of a fuel easily, and some motorhomes take $300-$400 to fill their gas tanks.  Taking that into account truck stops have had to implement a policy to protect themselves from getting burned by people who can’t pay for the fuel they pump.  So most truck stops authorize $500 to refuel your RV if you choose to pay at the pump.

Remember when I told you I have a friend who traveled from Alaska to Florida on only $37?  He was able to do that because your local gas station authorizes a trivial amount just to make sure the card is active.  Then submits the actual amount at a later date to sort it out with your bank.  Truck stop and other commercial refueling stations have been burned one too many times so they have chosen instead of place holds on customers finances until the transaction is finalized to ensure they get their money.  Most gas stations only authorize $1 instead of preauthorizing $500!!  Which is how my friend was allowed to drive 4,700 on only $37!!!!

  You can find RV gas saving tips and other RV tips by simply following this link to my RV Life category or clicking on this photo

RV Gas Saving tips – Truck Stops Will Ruin Your families First RV Trip Its hard to become a savvy traveler when you only take one family vacation a year.  This becomes even more challenging when you try something new. 

[thecoroutfitters]

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from Patriot Prepper Don't forget to visit the store and pick up some gear at The COR Outfitters. Are you ready for any situation? #SurvivalFirestarter #SurvivalBugOutBackpack #PrepperSurvivalPack #SHTFGear #SHTFBag

[themoneybuff-blog]

Who's In Control of Your Life?

Let me tell you three stories. The first comes from my own life, while the other two are things that Ive observed recently. * * * For my own tale, lets roll back several years. At that time, I worked as a research assistant focusing on data mining. My job mostly revolved around writing tools for researchers to explore a very large data set in a simple fashion, essentially enabling them to make connections within the data at a click of the mouse, and I also spent a significant amount of my time digging through the data myself, looking for useful patterns and trying to make sense of it all. I really loved the work I was doing. When I was actually doing the data mining, or when I was working with researchers to come up with ways to help them explore the data on their own, I deeply enjoyed the work. It was intellectually challenging, interesting, and meaningful. I also dearly loved the small team I worked with at the time. What I didnt enjoy was the bureaucratic end of it. I didnt enjoy the travel. I didnt enjoy the many bureaucratic meetings. I didnt enjoy the constant filling out of forms that seemed to be largely purposeless. I didnt enjoy the constant change in how we filed our travel receipts, the constant changes in our email services, and many other aspects of the job that were purely bureaucratic. I was also frustrated by how there were constant promises of more resources that were sorely needed to actually improve our offerings, but those resources seemed to never actually materialize. Because of that lack of resources, I felt my work slowly turning from creating useful new things and discovering new data connections to just maintaining tools so that they wouldnt break when other people changed things. I gradually became more and more responsible for IT management, fixing servers and things when they had problems, and that caused me to have to go into work on more and more weekends and spend more and more time effectively on call. Over time, my feelings on this job began to shift. I went from feeling great about going to work each day to dreading going to work, particularly on days when there were meetings and particularly on days leading up to travel. For the last year or two that I worked at this job, I felt miserable. Travel was causing me to miss several big moments with my children, including my sons first steps. Most days were filled with bureaucracy and maintenance. I felt deeply unhappy. So, why did I stick around for that last year or two? The big reason was that I felt like I needed the job. I didnt have strong financial control over my life yet and thus I really needed the stability that the job provided. In short, that job and that situation had control over my life. I couldnt walk away without putting my wife and my young children in a very precarious place. * * * The second story comes from a reader who Ill call Jeff, who wrote in with a long story for the reader mailbag. After some back and forth conversation with him, he wanted me to share his story in a post. Jeff grew up in an upper middle class family. In college, he fell in love with Suzanne, who he thought was also upper middle class until, shortly before the wedding, he learned that Suzannes family was rather wealthy thanks to her grandfather. Suzanne has a large trust in place for her thats controlled by Suzannes mother. Suzanne and Jeff have been married for several years and apparently theyve spent much of this time jousting with Suzannes mother, sometimes even in court, to gain access to the trust. It is apparently up to Suzannes mother as to when the money can be released to Suzanne and Jeff. He wrote in asking for advice on some other means to try to gain access to that money. My response to Jeff was simple: try to live your life for a while as though that trust does not exist. What would your life be like if there was no trust that was ever going to appear? What would you do? Live your life that way. If the trust money comes, then its a boon. Right now, the lack of a trust is a bust. After some back and forth emails with Jeff, it seems as though he and Suzanne have had a lot of conversations about the situation and have decided to do just that to stop worrying about the trust at all and start living as though it doesnt exist. * * * Heres a third story that might seem unrelated at first, but its well worth discussing. My wife went on a very long-planned trip with her sisters this spring. They had been planning the trip for almost a decade and this spring was the culmination of those plans. During their trip, they had the opportunity to visit Chichen Itza, the Mayan ruins in southern Mexico. While there, Sarah took a ton of photographs and short videos. They were all focused on the view, a view that she wanted to always be able to remember even when her memory of it faded a little. One thing I couldnt help but notice is that in many of the video clips and photographs, there was a young woman who had an elaborate selfie setup that involved tripods and lighting poles and so on. She was backed up right against the edge of where she could walk and, in every video clip and picture, she was either taking selfies with Chicken Itza in the background or checking the selfies. This was going on over a long period of time. Not once, in any of the photographs, did the young woman seem to be paying any attention to Chichen Itza. She had traveled so far to see one of the wonders of the world, and yet her full attention was on getting a great selfie or two, ostensibly to post to Instagram or some other social media service. * * * These three stories all have something in common. They all depict people living their lives under the control of others, not themselves. In my own situation, I lived my life under the control of my supervisors and the bureaucracy of my workplace. I absolutely loathed it, but I persisted under it for years. Why? I had chosen a lifestyle that required the income and stability provided by that bureaucracy. I had ceded control of my time and energy over to them. In Jeffs situation, he and Suzanne lived their life obsessed with the money sitting in that trust and constantly battling Suzannes mother for that money. That battle absorbed tons of their time, energy, and focus, and although he didnt get into it, it seemed clear that the relationship with Suzannes mother was weakened by the fight. In that case, Jeff and Suzanne had ceded control of their time, energy, thought, and focus over to their mother-in-law simply out of a desire for more money. In the story of the woman at Chichen Itza, her focus was solely on producing an amazing selfie, ostensibly to share with others. This took her attention away from the destination of a long trip and the grandeur of a wonder of the world. Instead, she focused on the lighting on her face and the camera she was using. I suppose she may have been a professional photographer and a model at the same time, but it seems far more likely in our modern era that she was simply trying to get the perfect shot for Instagram. In other words, she ceded control over her own time and focus to her Instagram followers, causing her to miss out completely on the amazing opportunity before her. In all three of those stories, someone else is in control of a persons life and decisions. I wasnt in control of my professional decisions or their own financial destiny. Jeff and Suzanne werent in control of their familial decisions or their own financial destiny. The woman taking the selfie was ceding control over her time and focus in one of the most amazing places on Earth to anonymous Instagram followers and other social media friends. * * * If theres a lesson Ive learned throughout my adult life, its this: there are few surer routes to unhappiness than ceding control of your life over to the whims of someone else. When you cede power over your life to your boss out of financial need, you give your boss the power to take away your free time and all of your energy. Even if your boss doesnt do that, that power still rests in their hands. When you cede power over your life to someone who might give you money, you give that person power over your attention and your thought and your time and your destiny. Even if that person is very giving in terms of that money, they still retain that power and can use it as they please. When you cede power in your life to social media followers and constantly do things that you think will impress them or interest them or make them envious, you give those anonymous followers the power to shape your decisions and shape how you use your time. Youre no longer doing the things you want to do; youre doing the things they want you to do and hoping for their approval. Those situations bring unhappiness. Im speaking from my own experience and the experiences of many people in my life and many readers. Whenever you feel like you dont have control over your life and youre forced to bend your life over and over to the whim of those who do have control, it brings about sadness and serious dissatisfaction with life. What about situations that come with responsibility, like becoming a parent? In those situations, there are definitely moments where you feel trapped and out of control, and those times do bring bad feelings. However, theyre typically counterbalanced by the good moments and the fact that you chose this responsibility. Also, responsibility often leaves some level of control over the situation you do control how you choose to parent your child. On the other hand, you dont have control over the fickle nature of social media followers or the whims of your boss or to those who can turn off the spigot of money youre relying on or the organizations to which you owe money this list goes on and on. Its that lack of control that brings unhappiness, and making financial and lifestyle missteps is one of the surest ways to lose financial and professional control and freedom in your life. This doesnt just manifest itself in terms of personal unhappiness thats just the start. It has negative physical and mental implications due to the stress of the situation. It has negative financial implications because many people drown themselves in treats, giving themselves little bursts of pleasure so that they can temporarily feel a burst of joy. What can you do? Its easy. Start taking control back. Even if you cant fully wrest control of the situation back immediately (sometimes you can, but often the situation is deep and complex enough that you cant), you need to start down that path. Here are some strategies for doing just that. Spend a lot less than you earn and bank the difference, so that you can make changes to your life if theyre warranted. Walking away from a miserable job is a lot easier if youre already living on less than you earn and have been doing so for a while and youve put away the extra money for the future. In essence, it was the start of our financial turnaround that gave me the ability to try new things and then eventually have the financial freedom to walk away from a job that was leaving me feeling crushed. The power of this strategy is that it frees you from being under the control of anyone who can turn the spigots of money in your life on and off. Before long, youll have the freedom to be able to move to another opportunity (like moving to a new job) or to just start ignoring a particularly troublesome one (like Jeff and Suzannes family issue). Eventually, you wont need to think about a spigot at all its a convenience, but not a need, and you can walk away if you dont like the relationship without needing to just jump to another opportunity. This can be challenging because one of the most obvious places to start is to cut out the stream of low-value treats that many people who feel unhappy and trapped use as a stream of happiness bursts in your life. You have to seek out other sources for those moments of bliss that dont require spending money. Spend less than you earn. Make that gap as big as you can without introducing new misery into your life. Use that gap to get rid of debt and start saving for the future, whether its retirement or any other significant life change. Thats the recipe. Focus on building relationships with people who enjoy doing the things you would do on your own (or with an army of clones of you). One of my favorite questions to ask myself is what would I do if I had to live the rest of my life on an island with 100 clones of myself? Meaning, in other words, that they all had the same internal desires that I do. What would I do? Id read a lot and have conversations about those books. Id go on lots of hikes and explore every inch of the island. Id play a lot of long, complex board games. Id make amazing meals and a lot of fermented foods and craft beer. Thus, this advice tells me to find other people who like to read a lot and talk about the books that they read. This advice suggests that I find people who like to do easy and moderate difficulty hikes (I dont like rock climbing and my balance isnt superb) and go on hikes with them. This advice suggests I find people who like to play long strategic board games. This advice suggests that I make a lot of meals and good food and beer and share them with people who appreciate them, and maybe find people who like to make them, too. Those are my people. I need to find them and build friendships with them. That way, I find companionship and friendship and affirmation by doing the things I naturally want to do anyway, rather than having to mold myself to appease others. This gives me much greater control over my free time and my hobby time. Who are your people? What are the things you would do on an island by yourself and 100 clones of yourself? Figure that out, then find people who like that, too, and make friends with them. That way, you dont have to change who you are or spend time or energy or money on things that you dont really care about in order to feel friendship and acceptance. Learn how to say no. Many people find themselves eventually trapped by a mountain of commitments and arrangements they brought on themselves by being unable to say no to others when theyre asked for something. This often leaves them feeling overwhelmed and unhappy and typically not performing at their best at any of those commitments. Heres something to consider if youre in this camp: if you feel overwhelmed with commitment or will feel overwhelmed if you take on something someones asking of you remember that you will not perform at your best on this commitment or on the other commitments you have if you say yes. In fact, by committing to more, youre likely going to end up with that other person in a worse position than if you had simply said no right now. I often turn things down by saying some variation on this: I really appreciate that you asked me to help, but I have to say no. My plate is already really full right now and if I took on that thing as well, not only would I not be able to give it my full effort and attention, I would also be letting down the things Im already committed to. I usually then follow it up with a suggestion of other people who might be able to help. Saying no in that way is more valuable than saying yes to something that overwhelms you and that you cant live up to in a quality fashion. It is far better to say no than to let someone down when theyre relying on you or to deliver a bad result. Plus, saying no preserves your sanity and also gives you the space you need to excel at the things that you do choose to keep on your plate. Give yourself the power to have control over whats on your agenda, so that you can fill it with just things you can excel at without being overwhelmed. Finally, be very wary of long term commitments you cant easily back out of. I absolutely love being a parent and its a role that fulfills me deeply, but if someone is asking me if they should have kids and theyre really unsure about it, Ill usually advise them to not have kids. Dont commit to having children unless it is a full-bore full-throated deep commitment, because a child deserves that from their parents. This is true with any long term commitment you may face in life. For example, dont get married if you dont think you can live up to those vows or youre not sure you can live your life with this person. Its better to say no than to say yes and fail that commitment and that other person who put their trust in you. If youre agreeing to something over the long term, youre ceding some control over your life and breaking that commitment is likely to be painful. Be very careful when doing this, and make absolutely sure that this is something you truly want. Dont walk into a huge commitment without high confidence. The message in all of this is simple: most of us feel happiest when we have maximum control over our lives. When we cede control over our decisions to others, by allowing things like our boss to push us into unpaid overtime or unethical tasks, by allowing ourselves to become financially dependent on things other people control, by allowing our emotions to be controlled by the approval of others, by committing to things and then growing to regret them, we bring unhappiness into our lives, and that unhappiness is often temporarily dealt with by overspending. Take control. Cut those patterns out of your life. Youll be happier for it. Good luck. https://www.thesimpledollar.com/whos-in-control-of-your-life/

[naomiemersonn]

Florincoin – the 2014 Altcoin You Don’t Remember – Is Attracting Real Users

Source: https://www.coindesk.com/florincoin-the-2014-altcoin-you-dont-remember-is-attracting-real-users

One of the most recognizable names in the crypto space (and perhaps even outside of it) is using one of the least recognizable blockchains.

Overstock.com subsidiaries Medici Ventures and tZERO have been utilizing the FLO blockchain for some time in work aimed at re-organizing property rights. At one time, a video of the tZERO homepage even showed the little-known blockchain at work.

Still, if you haven’t heard of FLO before, you won’t be alone. Maybe Florincoin, the blockchain’s moniker when it first launched in 2013, shortly before the 2014 altcoin boom – will ring a bell, at least those who were in New York at the time.

Joey Fiscella was a staple in the growing New York City crypto community during that area. A young, extroverted programmer, he had the ability to schmooze with the best of the business types. While the rest of the scene was focused on bitcoin, to a certain extent litecoin and for the lolz dogecoin, Fiscella was instead always talking Florincoin – a coin that’s visage bears a golden fleur-de-lis.

He was a regular at the New York Bitcoin Center and was always handing out thin strips of paper with Florincoin private keys (I used to have one, but as is the nature of small scraps of paper, it has been lost).

The idea was simple: Florincoin was bitcoin but with additional room for transaction comments, 140 characters at that time. And those characters would allow a decentralized social media (what else had a 140-character limit back then? Twitter), one that couldn’t be censored or stopped.

It’s a dream that’s still being toyed with today – from Steemit to Peepeth to Minds – but since then Florincoin, now FLO, has moved on.

Today, most of the developers and businesses involved in FLO are interested in it as an indexing tool, something that could provide the backbone of a blockchain-based Google.

Not only has Medici Land Governance begun adding property records on the FLO blockchain (and partnered with the state of Wyoming, the city of Tulum in Mexico and a government official in Zambia), but T-zero is adding digital locate receipts, which locate the ownership of a stock, into FLO to mitigate naked short selling.

On top of that, FLO is being utilized by the Open Index Protocol (OIP), a database for decentralized publishing of all kinds, and an app on top of OIP called Alexandria, which allows users to search and browse info in that database.

The list of users goes on too.

The California Institute of Technology, also called Caltech, uses FLO to store more than 17,000 records of information gathered with microscopes, and just recently announced the creation of another repository of microscope data.

So how, a crypto enthusiast might ask, did FLO become a blockchain with actual users (and seemingly without gloating in the hopes of sparking a price pump)?

According to Chris Chrysostom, a senior software developer at Medici Ventures, “As a developer I’m always open to looking at other solutions; people mention bitcoin a lot because right now it’s a good starting point for communicating concepts.”

But, he continued:

“One thing that FLO provides that bitcoin doesn’t is, right now, it has the ability to accept 1,040 bytes of metadata. FLO is able and willing to take on the blockchain bloat that many people are critical of in bitcoin.”

The bytes and the bloat

To understand how one of the most-anticipated and regulated token projects in the space came to use a blockchain that most people don’t even know about, you have to start with its first real business case.

Utilized by husband and wife team, Devon and Amy Reed, Florincoin became the underlying technology of the Decentralized Library of Alexandria (DLOA).

A blatant nod to the ancient world library that was burned down (while it’s become a modern-day symbol for the loss of cultural knowledge, the crypto project used it as a way to illustrate the problems inherent to centralization), the project was initially touted as a decentralized library. According to Amy, the co-founder of the project, in an earlier interview, all types of content, including books, blogs, video, audio and art could be added to the blockchain and secured from censorship.

DLOA was the forefather of today’s decentralized content platforms, hoping to untangle the messy distribution models that currently exist for content creators and viewers online.

The project chugged along for a couple of years quietly, until Tim Berners-Lee, the creator of the World Wide Web and the founder of the W3C, a standards organization for the web, was given a demo of the app.

According to Amy, Berners-Lee loved it, but said: “change the name.”

So the application – a Google-like search for the data, became just Alexandria and the protocol, which allows content creators to decide how their content is categorized before adding it to the FLO blockchain, became known as the Open Index Protocol (OIP).

And as that change happened, the number of bytes that could be stored in a transaction was increased as well – from 140 to 528 and then to 1,040, the limit today. But what’s perhaps the most fascinating about OIP is that in a mess of new competition, the project has stuck with FLO.

From Storj to Filecoin or even more broadly ethereum or EOS, there’s a slew of blockchain projects looking to tackle a similar use case – decentralized file storage – and these new players tout advanced architecture that makes their platforms faster, stronger, overall better.

But Devon remains unphased by the shiny new toys.

“When we started the project, our goal was to build a shared data layer that is censorship-proof, persistent and as interoperable as possible,” he told CoinDesk. “This required certain technical choices, which FLO fit perfectly – and even though other things have been launched since which do a variety of things, they don’t meet those needs better than FLO does.”

For that index that OIP is, Devon contends, the project needs full global state replication (to make censorship attempts transparent), proof-of-work consensus (to make censorship attempts expensive and defensible) and the ability to directly benefit from bitcoin’s developer community (a fork of bitcoin).

According to Devon Reed, sure, OIP could instead store its index on ethereum, and with that gain a different developer community and plenty of hype.

But, he said, the project would lose in other ways. For instance, after sharding is implemented, the project wouldn’t any longer get full global state replication; and after Casper – ethereum’s switch to a proof-of-stake consensus algorithm – the project wouldn’t have the security of proof-of-work.

On top of that, the publishing fees would no longer be decided by the OIP working group, and would instead, entirely be a function of the gas costs – priced by the ethereum core developers – of certain operations.

For many intents and purposes, FLO has become a kind of single purpose blockchain specifically for OIP. And that wasn’t a bad thing for FLO. While other institutions are starting to use FLO now, for many years Devon and Amy were the only ones really focused on FLO and they brought in a significant number of the developers that work on the blockchain to this day.

The original angel

Take Sky Young, a senior full stack developer at Alexandria.io, who started working on the FLO protocol because of her role with Alexandria in August 2015.

Or Jeremiah Buddenhage, also known as bitspill, who began developing on the FLO blockchain after he completed and claimed a bounty posted by the Alexandria team to update the protocol. After that, Buddenhage told CoinDesk, Alexandria offered him contract work until hiring him as a full stack developer in the summer of 2017.

Both developers get paid to work on OIP, which many times involves the development of FLO, keeping the blockchain up-to-date, probably more so than it would be were there not a company so tied into its success.

Before OIP and Alexandria, there was only FLO’s (then Florincoin’s), creator, a pseudonymous developer going by the moniker SkyAngel. It’s pretty similar to bitcoin’s Satoshi Nakamoto, although SkyAngel remains around here and there, said Fiscella.

SkyAngel did not return requests for comment.

In June 2013, Fiscella was trolling crypto forums looking for altcoins to mine and stumbled on FLO – hours after the software was released, he began mining the cryptocurrency and after noticing a couple of bugs (nothing consensus-related) in the code, he contacted SkyAngel within a week of its release. He’s been volunteering his time towards development ever since.

And while Fiscella got his fair share of shit for messing around with FLO – this was back in the day when people thought all altcoins were useless or worse, scams – there’s a sense of pride now.

“FLO is one of the oldest altcoins that is still actively traded and developed,” he told CoinDesk.

And it’s done so, he continued, without a pre-mine for developers, without raising huge amounts of money in an initial coin offering (ICO), without even a million dollars from a venture capitalist. Although, the FLO developers have raised $50,000 from the community over the past six years and the OIP and Alexandria team have raised a few $100,000 here and there, which they used to continue FLO development.

As such, many of the developers working on FLO right now are also pretty happy with the way it’s all turned out.

For instance, Young describes FLO as “hidden” and “undervalued.” And although Buddenhage was initially only attracted to FLO as a way to make money from small programming gigs, his “appreciation and understanding” has grown significantly over the years.

He told CoinDesk, “The big idea that made me want to keep working on this project is the idea of building a public space – allowing users to determine the worth of their own work and for the consumers to determine if it’s appropriate (rather than being held to the mercy of rates decided by a private company or a vague definition of ‘advertiser friendly’).”

In describing my story, meeting Fiscella years later at a crypto meetup and thinking, ‘Holy shit, Florincoin still exists,’ Buddenhage, who’s been in the space since 2013, laughed, saying:

“It’s great to see people react when they re-discover that FLO/Alexandria have not joined the ranks of shitcoin yet nor is it merely idling on but has actually grown in the shadows.”

Enter tZERO

It was Chris Chrysostom, a developer that was looking to build a simple application called a bill of sale on a blockchain, that found FLO and eventually brought it into the Medici ranks.

While he began the project hoping to utilize bitcoin’s OP_RETURN feature, Chrysostom quickly became frustrated with that because cumbersome to use and doesn’t hold enough data to create anything substantial. So he started looking around, reading through some content about Factom and the Storj white papers, both of which mention FLO (again Florincoin at that time).

That led Chrysostom to Alexandria, where he worked alongside Devon and Amy, building out the project’s payment capabilities.

Then in July 2017, he was picked up by Medici Ventures.

Now a senior software developer at the venture capital subsidiary of Overstock.com, Chrysostom brought to the job his interest in FLO. Chrysostom was assigned to a project within Medici Ventures focused on property rights – the idea being a global property rights registry – and FLO and the work being done by the Open Index Protocol seemed like a natural fit there, he told CoinDesk.

“We use it specifically for projects, proofs-of-concept and research for this property rights project,” he said.

While Patrick Byrne, the founder and CEO of Overstock, announced a partnership in late 2017 with Peruvian economist Hernando de Soto with a similar intent, Chrysostom said his work using FLO at Medici Ventures was different, yet could easily support the De Soto project if necessary.

According to Chrysostom, he was looking for a proof-of-work blockchain with similarities to bitcoin, so many similarities that the development work on bitcoin’s core team could then be applied to the other blockchain as well. For instance, security measures and scaling technologies like Segregated Witness.

“FLO was really appealing – bitcoin wants its use case to be focused on value transfer (and that’s fine); FLO has taken it upon itself to have a lot of similarities to bitcoin but with the added feature of application data,” Chrysostom said. “Which is more suited for the property rights use case.”

And sure enough, Chrysostom has similar things to say about the project’s ethos and morals.

“It’s really appealing that FLO hasn’t gone down the path of turning itself into an ICO; it didn’t try to segregate coins in a certain way, like the staking mechanisms; it’s quite admirable that it has remained an open-source project,” he said, adding:

“Four to five years have gone by, and it’s still about what its founding was all about – an open blockchain with a little extra use case. I just find it admirable that it’s stuck to that.”

And as for OIP and Alexandria, those teams get Chrysostom’s praise too since, according to him, they focused on building out the software instead of hyping the coin.

Chrysostom said:

“FLO has been quite the stealth coin in my opinion.”

While Chrysostom would, of course, love to see the developers and projects building on FLO get rewarded for their work, he understands that with investment comes responsibilities that might divert the focus away from the open index goal.

For Medici Ventures part, it does not provide investment to FLO developers, Chrysostom explained, although he continued, “If the day comes that someone wants to make a pitch to Medici Ventures … I think they’d listen. They listen to all kinds of things.”

Keeping it afloat

Still, that’s not to say everything has run smoothly in the FLO community.

For instance, toward the end of 2015, customers of Cryptsy, the only digital currency exchange that listed FLO, began having withdrawal issues, and shortly after the exchange claimed it was insolvent after a July 2014 hack.

While a class action was mounted at Cryptsy in the aftermath, the parties that brought the class action against the exchange didn’t list FLO as one of the coins you could redeem. According to Fiscella, there are 11.5 million FLO coins in one Cryptsy wallet that haven’t moved since February 2014, so he suspects not that the exchange’s founders ran away with the coins (because then they probably would have sold them off at some point) but that these coins could not be recovered by any party, the exchange or even law enforcement.

“It wasn’t worth anything at the time,” Fiscella said. “But FLO was once around 40 cents.”

At that price, the coins lost in Cryptsy would have been worth more than $4 million.

Since then Bittrex and Poloniex have also listed FLO (actually on the same day in March 2015), although Poloniex removed it shortly after the exchange was acquired by Circle. Poloniex didn’t give a reason for the delisting of FLO, though the coin was taken off the site with a handful of other altcoins.

While some thought the reason was low volume, Fiscella argues that other coins that were not delisted had lower volume than FLO, so really he speculates the delisting was about FLO’s low hashrate, which meant that FLO could be relatively easily 51% attacked.

This was right around the same time that Crypto 51, a website calculating the cost of 51% attacking (and then double spending) cryptocurrencies, appeared. Once that website was up, a number of cryptocurrencies, including bitcoin gold and vertcoin, began dealing with attacks.

And FLO, which was on the Crypto51 list with an attack price of only $300, was exploited on Bittrex in September 2018 and 25 bitcoins were stolen. The attack works like this: an anonymous account deposited hundreds of thousands of FLO coins into Bittrex, traded that FLO for the 25 bitcoins, withdrew the 25 bitcoins and then rewrote about 480 FLO blocks. In this way, the FLO deposit was reversed and the hacker was able to reclaim the hundreds of thousands of FLO they had initially deposited and was also out with the bitcoin as well. The wallet at the exchange then didn’t have the FLO to deposit into the accounts that had bought the altcoin.

When Bittrex’s system detected this, it shut down FLO trading for about a month, until the developers fixed the issue.

“And by fixed it, I mean we paid 700,000 FLO to Bittrex,” Fiscella said, adding:

“And by we, I mean me.”

Bittrex did not respond to requests for inquiry.

Joey used the FLO he had been mining since the beginning to pay back the exchange and other FLO developers set up a “Big Mac Fund” for Joey, where community members have donated about half of the 700,000 to Joey for his ongoing work on the protocol.

Before the attack happened, Fiscella had been discussing the issue with Alexandria’s Devon Reed, saying they needed to increase the hash rate before something like this happened. But it was too little, too late.

After the attack, the developers working on the protocol decided that FLO needed to add some additional security measures to the scrypt-based mining algorithm (an alternative to bitcoin’s SHA-256 algorithm) since scrypt-based mining made it easier for an attack to take place.

The developers decided to add an extra rule to the consensus algorithm, a so-called max reorg depth limit feature. This feature requires large reorganizations of the blockchain be rejected, and it’s a similar feature to that used by bitcoin cash and ravencoin.

If that sounds like something that could kill a cryptocurrency, make people so skeptical of its security and value that they sell off their bags and leave it to die, it’s definitely happened before.

But FLO has endured and actually, it’s developers learned from its mistakes and evolved.

“The people who have joined have not asked to be paid, they’re just activists or investors,” Fiscella told CoinDesk, adding: “Everyone joined organically and they’re using their skills and network to grow the community. I think that’s really important.”

Today, there are about 10 active mining pools and another 10 that sometimes mine FLO, which increases the robustness of the coin. Also in early 2018, FLO’s code was updated to Segregated Witness, a protocol change that adjusts the way data is stored, making blockchains more scalable.

Echoing Fiscella’s comments about FLO being successful because of its determined developer community, Buddenhage concluded:

“They all appear to know what they’re doing and why they’re here putting in the effort whenever/wherever life/work allows the opportunity being that it’s a side project and volunteerism keeping it going, perhaps slowly at times but always moving forward with dedication and purpose.”

FLO coins featured image via gunkworks.no; images in the article via Joey Fiscella

Source: https://www.coindesk.com/florincoin-the-2014-altcoin-you-dont-remember-is-attracting-real-users

source https://www.initialcoinlist.com/florincoin-the-2014-altcoin-you-dont-remember-is-attracting-real-users/ source https://initialcoinlist1.blogspot.com/2019/05/florincoin-2014-altcoin-you-dont.html

[initialcoinlist1]

Florincoin – the 2014 Altcoin You Don’t Remember – Is Attracting Real Users

Source: https://www.coindesk.com/florincoin-the-2014-altcoin-you-dont-remember-is-attracting-real-users

One of the most recognizable names in the crypto space (and perhaps even outside of it) is using one of the least recognizable blockchains.

Overstock.com subsidiaries Medici Ventures and tZERO have been utilizing the FLO blockchain for some time in work aimed at re-organizing property rights. At one time, a video of the tZERO homepage even showed the little-known blockchain at work.

Still, if you haven’t heard of FLO before, you won’t be alone. Maybe Florincoin, the blockchain’s moniker when it first launched in 2013, shortly before the 2014 altcoin boom – will ring a bell, at least those who were in New York at the time.

Joey Fiscella was a staple in the growing New York City crypto community during that area. A young, extroverted programmer, he had the ability to schmooze with the best of the business types. While the rest of the scene was focused on bitcoin, to a certain extent litecoin and for the lolz dogecoin, Fiscella was instead always talking Florincoin – a coin that’s visage bears a golden fleur-de-lis.

He was a regular at the New York Bitcoin Center and was always handing out thin strips of paper with Florincoin private keys (I used to have one, but as is the nature of small scraps of paper, it has been lost).

The idea was simple: Florincoin was bitcoin but with additional room for transaction comments, 140 characters at that time. And those characters would allow a decentralized social media (what else had a 140-character limit back then? Twitter), one that couldn’t be censored or stopped.

It’s a dream that’s still being toyed with today – from Steemit to Peepeth to Minds – but since then Florincoin, now FLO, has moved on.

Today, most of the developers and businesses involved in FLO are interested in it as an indexing tool, something that could provide the backbone of a blockchain-based Google.

Not only has Medici Land Governance begun adding property records on the FLO blockchain (and partnered with the state of Wyoming, the city of Tulum in Mexico and a government official in Zambia), but T-zero is adding digital locate receipts, which locate the ownership of a stock, into FLO to mitigate naked short selling.

On top of that, FLO is being utilized by the Open Index Protocol (OIP), a database for decentralized publishing of all kinds, and an app on top of OIP called Alexandria, which allows users to search and browse info in that database.

The list of users goes on too.

The California Institute of Technology, also called Caltech, uses FLO to store more than 17,000 records of information gathered with microscopes, and just recently announced the creation of another repository of microscope data.

So how, a crypto enthusiast might ask, did FLO become a blockchain with actual users (and seemingly without gloating in the hopes of sparking a price pump)?

According to Chris Chrysostom, a senior software developer at Medici Ventures, “As a developer I’m always open to looking at other solutions; people mention bitcoin a lot because right now it’s a good starting point for communicating concepts.”

But, he continued:

“One thing that FLO provides that bitcoin doesn’t is, right now, it has the ability to accept 1,040 bytes of metadata. FLO is able and willing to take on the blockchain bloat that many people are critical of in bitcoin.”

The bytes and the bloat

To understand how one of the most-anticipated and regulated token projects in the space came to use a blockchain that most people don’t even know about, you have to start with its first real business case.

Utilized by husband and wife team, Devon and Amy Reed, Florincoin became the underlying technology of the Decentralized Library of Alexandria (DLOA).

A blatant nod to the ancient world library that was burned down (while it’s become a modern-day symbol for the loss of cultural knowledge, the crypto project used it as a way to illustrate the problems inherent to centralization), the project was initially touted as a decentralized library. According to Amy, the co-founder of the project, in an earlier interview, all types of content, including books, blogs, video, audio and art could be added to the blockchain and secured from censorship.

DLOA was the forefather of today’s decentralized content platforms, hoping to untangle the messy distribution models that currently exist for content creators and viewers online.

The project chugged along for a couple of years quietly, until Tim Berners-Lee, the creator of the World Wide Web and the founder of the W3C, a standards organization for the web, was given a demo of the app.

According to Amy, Berners-Lee loved it, but said: “change the name.”

So the application – a Google-like search for the data, became just Alexandria and the protocol, which allows content creators to decide how their content is categorized before adding it to the FLO blockchain, became known as the Open Index Protocol (OIP).

And as that change happened, the number of bytes that could be stored in a transaction was increased as well – from 140 to 528 and then to 1,040, the limit today. But what’s perhaps the most fascinating about OIP is that in a mess of new competition, the project has stuck with FLO.

From Storj to Filecoin or even more broadly ethereum or EOS, there’s a slew of blockchain projects looking to tackle a similar use case – decentralized file storage – and these new players tout advanced architecture that makes their platforms faster, stronger, overall better.

But Devon remains unphased by the shiny new toys.

“When we started the project, our goal was to build a shared data layer that is censorship-proof, persistent and as interoperable as possible,” he told CoinDesk. “This required certain technical choices, which FLO fit perfectly – and even though other things have been launched since which do a variety of things, they don’t meet those needs better than FLO does.”

For that index that OIP is, Devon contends, the project needs full global state replication (to make censorship attempts transparent), proof-of-work consensus (to make censorship attempts expensive and defensible) and the ability to directly benefit from bitcoin’s developer community (a fork of bitcoin).

According to Devon Reed, sure, OIP could instead store its index on ethereum, and with that gain a different developer community and plenty of hype.

But, he said, the project would lose in other ways. For instance, after sharding is implemented, the project wouldn’t any longer get full global state replication; and after Casper – ethereum’s switch to a proof-of-stake consensus algorithm – the project wouldn’t have the security of proof-of-work.

On top of that, the publishing fees would no longer be decided by the OIP working group, and would instead, entirely be a function of the gas costs – priced by the ethereum core developers – of certain operations.

For many intents and purposes, FLO has become a kind of single purpose blockchain specifically for OIP. And that wasn’t a bad thing for FLO. While other institutions are starting to use FLO now, for many years Devon and Amy were the only ones really focused on FLO and they brought in a significant number of the developers that work on the blockchain to this day.

The original angel

Take Sky Young, a senior full stack developer at Alexandria.io, who started working on the FLO protocol because of her role with Alexandria in August 2015.

Or Jeremiah Buddenhage, also known as bitspill, who began developing on the FLO blockchain after he completed and claimed a bounty posted by the Alexandria team to update the protocol. After that, Buddenhage told CoinDesk, Alexandria offered him contract work until hiring him as a full stack developer in the summer of 2017.

Both developers get paid to work on OIP, which many times involves the development of FLO, keeping the blockchain up-to-date, probably more so than it would be were there not a company so tied into its success.

Before OIP and Alexandria, there was only FLO’s (then Florincoin’s), creator, a pseudonymous developer going by the moniker SkyAngel. It’s pretty similar to bitcoin’s Satoshi Nakamoto, although SkyAngel remains around here and there, said Fiscella.

SkyAngel did not return requests for comment.

In June 2013, Fiscella was trolling crypto forums looking for altcoins to mine and stumbled on FLO – hours after the software was released, he began mining the cryptocurrency and after noticing a couple of bugs (nothing consensus-related) in the code, he contacted SkyAngel within a week of its release. He’s been volunteering his time towards development ever since.

And while Fiscella got his fair share of shit for messing around with FLO – this was back in the day when people thought all altcoins were useless or worse, scams – there’s a sense of pride now.

“FLO is one of the oldest altcoins that is still actively traded and developed,” he told CoinDesk.

And it’s done so, he continued, without a pre-mine for developers, without raising huge amounts of money in an initial coin offering (ICO), without even a million dollars from a venture capitalist. Although, the FLO developers have raised $50,000 from the community over the past six years and the OIP and Alexandria team have raised a few $100,000 here and there, which they used to continue FLO development.

As such, many of the developers working on FLO right now are also pretty happy with the way it’s all turned out.

For instance, Young describes FLO as “hidden” and “undervalued.” And although Buddenhage was initially only attracted to FLO as a way to make money from small programming gigs, his “appreciation and understanding” has grown significantly over the years.

He told CoinDesk, “The big idea that made me want to keep working on this project is the idea of building a public space – allowing users to determine the worth of their own work and for the consumers to determine if it’s appropriate (rather than being held to the mercy of rates decided by a private company or a vague definition of ‘advertiser friendly’).”

In describing my story, meeting Fiscella years later at a crypto meetup and thinking, ‘Holy shit, Florincoin still exists,’ Buddenhage, who’s been in the space since 2013, laughed, saying:

“It’s great to see people react when they re-discover that FLO/Alexandria have not joined the ranks of shitcoin yet nor is it merely idling on but has actually grown in the shadows.”

Enter tZERO

It was Chris Chrysostom, a developer that was looking to build a simple application called a bill of sale on a blockchain, that found FLO and eventually brought it into the Medici ranks.

While he began the project hoping to utilize bitcoin’s OP_RETURN feature, Chrysostom quickly became frustrated with that because cumbersome to use and doesn’t hold enough data to create anything substantial. So he started looking around, reading through some content about Factom and the Storj white papers, both of which mention FLO (again Florincoin at that time).

That led Chrysostom to Alexandria, where he worked alongside Devon and Amy, building out the project’s payment capabilities.

Then in July 2017, he was picked up by Medici Ventures.

Now a senior software developer at the venture capital subsidiary of Overstock.com, Chrysostom brought to the job his interest in FLO. Chrysostom was assigned to a project within Medici Ventures focused on property rights – the idea being a global property rights registry – and FLO and the work being done by the Open Index Protocol seemed like a natural fit there, he told CoinDesk.

“We use it specifically for projects, proofs-of-concept and research for this property rights project,” he said.

While Patrick Byrne, the founder and CEO of Overstock, announced a partnership in late 2017 with Peruvian economist Hernando de Soto with a similar intent, Chrysostom said his work using FLO at Medici Ventures was different, yet could easily support the De Soto project if necessary.

According to Chrysostom, he was looking for a proof-of-work blockchain with similarities to bitcoin, so many similarities that the development work on bitcoin’s core team could then be applied to the other blockchain as well. For instance, security measures and scaling technologies like Segregated Witness.

“FLO was really appealing – bitcoin wants its use case to be focused on value transfer (and that’s fine); FLO has taken it upon itself to have a lot of similarities to bitcoin but with the added feature of application data,” Chrysostom said. “Which is more suited for the property rights use case.”

And sure enough, Chrysostom has similar things to say about the project’s ethos and morals.

“It’s really appealing that FLO hasn’t gone down the path of turning itself into an ICO; it didn’t try to segregate coins in a certain way, like the staking mechanisms; it’s quite admirable that it has remained an open-source project,” he said, adding:

“Four to five years have gone by, and it’s still about what its founding was all about – an open blockchain with a little extra use case. I just find it admirable that it’s stuck to that.”

And as for OIP and Alexandria, those teams get Chrysostom’s praise too since, according to him, they focused on building out the software instead of hyping the coin.

Chrysostom said:

“FLO has been quite the stealth coin in my opinion.”

While Chrysostom would, of course, love to see the developers and projects building on FLO get rewarded for their work, he understands that with investment comes responsibilities that might divert the focus away from the open index goal.

For Medici Ventures part, it does not provide investment to FLO developers, Chrysostom explained, although he continued, “If the day comes that someone wants to make a pitch to Medici Ventures … I think they’d listen. They listen to all kinds of things.”

Keeping it afloat

Still, that’s not to say everything has run smoothly in the FLO community.

For instance, toward the end of 2015, customers of Cryptsy, the only digital currency exchange that listed FLO, began having withdrawal issues, and shortly after the exchange claimed it was insolvent after a July 2014 hack.

While a class action was mounted at Cryptsy in the aftermath, the parties that brought the class action against the exchange didn’t list FLO as one of the coins you could redeem. According to Fiscella, there are 11.5 million FLO coins in one Cryptsy wallet that haven’t moved since February 2014, so he suspects not that the exchange’s founders ran away with the coins (because then they probably would have sold them off at some point) but that these coins could not be recovered by any party, the exchange or even law enforcement.

“It wasn’t worth anything at the time,” Fiscella said. “But FLO was once around 40 cents.”

At that price, the coins lost in Cryptsy would have been worth more than $4 million.

Since then Bittrex and Poloniex have also listed FLO (actually on the same day in March 2015), although Poloniex removed it shortly after the exchange was acquired by Circle. Poloniex didn’t give a reason for the delisting of FLO, though the coin was taken off the site with a handful of other altcoins.

While some thought the reason was low volume, Fiscella argues that other coins that were not delisted had lower volume than FLO, so really he speculates the delisting was about FLO’s low hashrate, which meant that FLO could be relatively easily 51% attacked.

This was right around the same time that Crypto 51, a website calculating the cost of 51% attacking (and then double spending) cryptocurrencies, appeared. Once that website was up, a number of cryptocurrencies, including bitcoin gold and vertcoin, began dealing with attacks.

And FLO, which was on the Crypto51 list with an attack price of only $300, was exploited on Bittrex in September 2018 and 25 bitcoins were stolen. The attack works like this: an anonymous account deposited hundreds of thousands of FLO coins into Bittrex, traded that FLO for the 25 bitcoins, withdrew the 25 bitcoins and then rewrote about 480 FLO blocks. In this way, the FLO deposit was reversed and the hacker was able to reclaim the hundreds of thousands of FLO they had initially deposited and was also out with the bitcoin as well. The wallet at the exchange then didn’t have the FLO to deposit into the accounts that had bought the altcoin.

When Bittrex’s system detected this, it shut down FLO trading for about a month, until the developers fixed the issue.

“And by fixed it, I mean we paid 700,000 FLO to Bittrex,” Fiscella said, adding:

“And by we, I mean me.”

Bittrex did not respond to requests for inquiry.

Joey used the FLO he had been mining since the beginning to pay back the exchange and other FLO developers set up a “Big Mac Fund” for Joey, where community members have donated about half of the 700,000 to Joey for his ongoing work on the protocol.

Before the attack happened, Fiscella had been discussing the issue with Alexandria’s Devon Reed, saying they needed to increase the hash rate before something like this happened. But it was too little, too late.

After the attack, the developers working on the protocol decided that FLO needed to add some additional security measures to the scrypt-based mining algorithm (an alternative to bitcoin’s SHA-256 algorithm) since scrypt-based mining made it easier for an attack to take place.

The developers decided to add an extra rule to the consensus algorithm, a so-called max reorg depth limit feature. This feature requires large reorganizations of the blockchain be rejected, and it’s a similar feature to that used by bitcoin cash and ravencoin.

If that sounds like something that could kill a cryptocurrency, make people so skeptical of its security and value that they sell off their bags and leave it to die, it’s definitely happened before.

But FLO has endured and actually, it’s developers learned from its mistakes and evolved.

“The people who have joined have not asked to be paid, they’re just activists or investors,” Fiscella told CoinDesk, adding: “Everyone joined organically and they’re using their skills and network to grow the community. I think that’s really important.”

Today, there are about 10 active mining pools and another 10 that sometimes mine FLO, which increases the robustness of the coin. Also in early 2018, FLO’s code was updated to Segregated Witness, a protocol change that adjusts the way data is stored, making blockchains more scalable.

Echoing Fiscella’s comments about FLO being successful because of its determined developer community, Buddenhage concluded:

“They all appear to know what they’re doing and why they’re here putting in the effort whenever/wherever life/work allows the opportunity being that it’s a side project and volunteerism keeping it going, perhaps slowly at times but always moving forward with dedication and purpose.”

FLO coins featured image via gunkworks.no; images in the article via Joey Fiscella

Source: https://www.coindesk.com/florincoin-the-2014-altcoin-you-dont-remember-is-attracting-real-users

source https://www.initialcoinlist.com/florincoin-the-2014-altcoin-you-dont-remember-is-attracting-real-users/

[webart-studio]

6 Methods Prime CEOs Beat Procrastination

As soon as begun, half finished.

February 18, 2019 eight min learn

Opinions expressed by Entrepreneur contributors are their very own.

People tend to procrastinate as a result of our minds naturally wish to be in a relaxed state. Typically it’s arduous to get going, or we now have bother focusing and discover ourselves laying aside an disagreeable or tough job for so long as potential.

However procrastination causes anxiousness and extra stress — particularly if we’re in a rush once we lastly get round to doing the duty. Your proclivity to procrastinate will do you no favors when you’re scrambling to satisfy deadlines or handing in subpar work.

Profitable individuals are similar to the remainder of us — there are occasions once they drag their ft and keep away from work. However they’ve discovered methods to push previous their lack of momentum to get the ball rolling. So take a lesson from how these prime executives and CEOs beat procrastination and begin instantly working to your full potential.

1. They tailor their to-do lists.

Maintaining a listing of the day’s targets is a tried-and-true technique many CEOs use to maintain themselves on monitor and fend off procrastination. Many enterprise leaders keep on with a low-tech pen-and-paper checklist. Earlier than they go house for the evening, they write out their prime “to dos” so it’s prepared and ready for them within the morning.

Alex Cavoulacos, co-founder and COO of The Muse, makes use of the 1-3-5 rule when placing collectively her every day checklist of issues to perform. It really works like this: on any given day, set 9 targets for your self: one big-ticket challenge to deal with, three medium duties and 5 small issues. Slim down your to-do checklist to only these issues. Utilizing this technique, you must prioritize your duties to the issues that matter most. It additionally forces you to set affordable expectations for the day. This retains you from feeling overwhelmed by an infinite checklist, and likewise helps preserve you targeted on simply these objects.

Twitter CEO Jack Dorsey believes probably the greatest ideas for staying productive and avoiding procrastination is to maintain a “gained’t-do” checklist. Each morning he writes a guidelines of issues he plans to do and issues he gained’t do, however plans to do sooner or later. As he finishes his “to-do” duties, he’ll transfer up his “gained’t-do” objects to his “to-do” checklist.

Associated: Time Administration Hacks That Very Profitable Folks Follow Every day

2. They construct good habits in two minutes.

Typically the best methods work finest. One strategy to beat procrastination is to make it straightforward to get began on a job. That is what James Clear calls the “two-minute rule.” The rule has two components.

First, if one thing takes lower than two minutes, do it now. So, as an alternative of laying aside little issues like sending that e mail, simply do it straight away. Subsequent, begin constructing new habits two minutes at a time. The rule for that is: If you begin a brand new behavior, it ought to take lower than two minutes to do. The concept is to make your habits as straightforward to start out as potential. What you’re actually doing is studying methods to present up and carry out a job that’s half of a bigger routine.

Consider these “two-minute habits” as gateway habits that can result in your overarching aim. As an illustration, in case your aim is to run a marathon, your gateway behavior may be to stroll for 2 minutes. By beginning small, you ritualize the behavior from the start, so it turns into a pure a part of your day. Upon getting instilled a behavior, you may construct on it.

Associated:  Launched a Tech Startup at 28 Whereas Pursuing My MBA and It Was a Nice Resolution

3. They full duties in batches.

Cease making an attempt to chew off greater than you may chew, and cease breaking your work up into tiny chunks. As an alternative, attempt placing duties into batches and schedule your day round finishing every bundle of labor. It takes time to get right into a rhythm to work on a job. As an alternative of regularly beginning and stopping that course of, it’s higher to maintain your rhythm going by bundling comparable duties collectively.

Tim Ferriss, creator of the worldwide best-seller The 4-Hour Work Week, has a every day routine the place he focuses on one factor at a time and his duties are batched collectively. First, he will get up and instantly begins engaged on writing, avoiding something associated to the web or e mail. Then, he’ll spend his afternoon batching the entire telephone calls he must make or return.

By doing this, he avoids interruptions and prevents himself from procrastinating. He additionally retains his threshold for what he needs to perform comparatively low every day. In keeping with Ferriss, by giving your self a low “quota” for the day, you are feeling profitable and are inspired to maintain going.

Associated: The best way to Beat Procrastination As You Develop Your Enterprise

4. They set a brief timeframe.

In the event you’re prepared to dedicate simply 5 minutes to launch into an essential job, you’ll discover you get the ball rolling and can flip from procrastinator to achiever. Profitable CEOs use the “five-minute rule” (or one thing comparable) to get previous their concern of launching into one thing essential or to easily to cease stalling.

“In the event you don’t need to do one thing, make a cope with your self to do no less than 5 minutes of it,” says Instagram co-founder Kevin Systrom. “After 5 minutes, you’ll find yourself doing the entire thing.”

5 minutes looks like such a small period of time that many people don’t hassle making an attempt to make use of this time correctly. However getting began on one thing, even for only a few minutes, helps us break down large targets into child steps. Doing this may activate one thing referred to as the Zeigarnik Impact, which is the tendency to have intrusive ideas about one thing you have got left incomplete. In the event you begin engaged on one thing, however fail to complete, you will see it retains popping into your thoughts. The urge to finish the duty is usually a sturdy motivation to complete that aim.

Associated: The Psychology of Getting Extra Executed (In Much less Time)

5. They finish with the start in thoughts.

Most of us preserve chugging alongside on a challenge till it’s both time to cease for the day or we run out of concepts and aren’t positive what to do subsequent. After we give up in a limbo state like this, we set ourselves as much as procrastinate the subsequent day. As an alternative of simply randomly quitting a job, be sure you go away off at a spot that can encourage you to get going subsequent time you’re prepared to select it up. Todd Henry, founding father of the Unintentional Artistic, makes use of this technique with superb outcomes. Right here’s the way it works:

Earlier than you end work for the day, seize any open questions that you simply’re presently engaged on. Ask your self: when you had been to proceed working, what can be the very subsequent factor you’d do?

Write these questions and the subsequent factor you’d do on a chunk of paper.

Decide what you’ll do first once you sit all the way down to work once more. This provides you a right away start line for the subsequent day.

“Each time I’m engaged on a long-arc challenge, I at all times finish each work session realizing the place I’ll decide up the subsequent day,” Henry says. “I don’t procrastinate as a result of I need to keep away from the work, I usually do it as a result of I’m unsure of the proper subsequent step. This tactic retains me from getting caught.”

Associated: Four Psychological Causes Entrepreneurs Ought to Embrace Procrastination

6. They embrace procrastination.

In the event you’re in search of methods to interrupt your procrastination, maybe it’s best to attempt embracing it. Know-how government, engineer and speaker James Whittaker believes that procrastination can really be your finest buddy. In keeping with an article he wrote on Medium, “Procrastination is the just-in-time preparation technique for a just-in-time world. And lest you concern you might be arriving late to the procrastination bandwagon, calm down. That’s the beauty of procrastination, no matter time you have got remaining is the precise period of time you want.”

One good thing about embracing procrastination is that it creates synthetic stress that trains you to cope with actual stress throughout your profession. Procrastinators need to study to prioritize. They decide aside an issue and discover its most essential components. However maybe the largest kicker, based on Whittaker, is that procrastination saves time.

Since you’re doing the whole lot on the final minute, there’s no time to overlook something or re-study something. Your data is recent and the stress is on, so that you’ll full the duty quicker than you’d have when you had finished it earlier.

Supply hyperlink

source https://webart-studio.com/6-methods-prime-ceos-beat-procrastination/

[theconservativebrief]

Every spring, millions of students graduate high school with every intention of attending college.

By the fall, an astounding portion of them never show up to college.

This phenomenon is so common it has a name: “summer melt.” And the effects are stronger for students from a lower socioeconomic background.

Research by Benjamin Castleman and Lindsay Page shows that among students from a lower socioeconomic background, about one in five who planned to attend college don’t actually enroll. The melt rates are lower for more affluent students, but it’s still a significant number.

Much of the gap between poor and affluent students comes from the type of college they choose to attend. Poor kids are more likely to attend two-year community colleges — and the melt rates for those schools is quite high.

This means that a huge number of disadvantaged students — who had to overcome more obstacles than the average student to make it to the doorstep of college — never even go in the door.

”They’ve already made it through so much. They’ve come so far; they’re so close,” said Holly Morrow, who works at uAspire, which helps disadvantaged kids get to college. (uAspire provided data to Page and Castleman for this research.)

So why is this happening?

One high school counselor compared it to the story of Hansel and Gretel. She told researchers that during the school year, the counselors set out bread crumbs for students to follow. But once high school ends, “all of a sudden, the bread crumbs are gone and they have no idea where to go.” And that leads them to drift off the college-bound path.

But as experts have become more attuned to the problem, they have devised new ways to mitigate it. And it turns out that leaving a trail of new bread crumbs is relatively easy — and has dramatic effects on keeping kids on the path to college.

During the summer, students don’t have anyone responsible for putting out bread crumbs. This means they have to navigate the path to college by themselves — and they hit barrier after barrier.

They struggle to decode highly confusing financial aid letters, which don’t make clear how much money they need. They lack the finance background to make huge decisions about money, like taking out thousands of dollars in loans. And since they don’t have a clear idea of the path forward, they often put off key tasks — something all of us do.

”Any kind of complexity can often stop us in our tracks,” Page said. “You must have times where you say, ‘Oh, I don’t want to deal with that thing.’ But when you actually bite the bullet and do it, you think, ‘It wasn’t as bad as I thought it was going to be.’ “

So why are some students more likely to get lost in the forest, while others make it through to college?

Page and Castleman found that one huge factor is that some students have a guide: their own parents. If their parents attended college, they can help figure out the difference between, say, a loan and free money. They can tell them what to expect, and answer questions about the experience to come.

Another factor was that some students didn’t have the “soft skills” to call and ask an adult for help navigating the process — especially students from low-income backgrounds, who often had bad experiences asking adults for help, Page said.

This understanding of the barriers helped Page and Castleman develop a system that sprinkles and connects those missing bread crumbs.

In one experiment, Page and Castleman had counselors proactively reach out to college-bound students during the summer. This intervention had a pretty drastic impact on keeping poor students on the path to college.

But it also taught the researchers that the method of outreach was crucial. Phone and email aren’t the best way to reach out to students. They found much more success with texting and Facebook messaging.

This finding prompted them to develop a chatbot to text students with reminders about deadlines or required forms, automation that doesn’t drain the limited resources of college financial aid offices. If students needed help, they could interact with an artificially intelligent chatbot rather than a human.

”It feels you’re doing it yourself when a robot’s helping you,” one student told NPR. “It’s like a tool.”

When they tested the chatbot at Georgia State University, it reduced the percentage of students suffering from summer melt by 21 percent.

Page put it another way. She told me the chatbot is “essentially a naggy, knowledgeable parent for kids who aren’t necessarily growing up in households with parents who are knowledgeable about the college-going process.”

Now Georgia State plans to implement this chatbot as a permanent part of its matriculation tools.

This summer melt intervention is yet another example of the small nudges that can help disadvantaged students get on an even playing field with everyone else. But the invisible challenges don’t end there — and there are interventions that can greatly help disadvantaged students.

A few years ago, a research team led by Judy Harackiewicz at the University of Wisconsin Madison found disadvantaged students were more likely to abandon degrees in STEM fields (science, technology, engineering, and math) after struggling in a challenging introductory course class, because they either lost interest or felt uncomfortable.

So researchers tested an intervention in which they had students write essays on how the material is personally relevant to them.

That small activity drastically improved the performance of first-generation students who were African-American, Hispanic, or Native American. The researchers suspected one possible reason is that this activity helped them “connect course material to important personal goals.”

In another experiment, Stanford researcher Greg Walton and his colleague Geoff Cohen theorized that disadvantaged students were concerned about belonging in their college environment — and this social concern was threatening to the point of hurting their academic performance.

So they conducted an intervention in which they put these students in the same room as other students and had them talk through their shared anxieties. The goal was to frame “social adversity as common and transient.”

This intervention was able to close achievement gaps between white and black students over their college careers.

Northwestern University’s Nicole Stephens found that first-generation college students — much like black students — struggle to keep up academically with students who have college-educated parents.

So before the semester, she had students sit in on a session about the importance of their class backgrounds and how it will shape their college experience, which she calls “difference education.” The idea was that this would help them contextualize why they may be experiencing college differently.

This tiny intervention had a striking effect on their outcomes.

”The first step is understanding what are the types of obstacles students face in a given context,” Stephens told me. “It comes from an iterative process, which starts with looking at what existing theories and psychology have to say about the question. Then you develop ideas about what might be an effective intervention.”

Walton, the Stanford social psychologist, said the fact that these small interventions work so well reveals just how many barriers there are for disadvantaged kids. “It’s not the America we aspire to,” he said.

These studies show us biases in even the most mundane mechanisms of the American education system, like navigating the summer between high school and college.

”The default cultural environment of a college or university is not neutral,” Stephens said. “But instead the values reflect the perspective of certain groups of students — of those who tend to have more power status in society, which tends to be white middle upper class.”

That said, some barriers to college are much harder to overcome for disadvantaged students, like being academically unprepared or not having the money. These stem from large, systemic issues.

But other barriers cost little to chip away at — which appears to be the case with summer melt.

”This is something that is solvable,” Morrow said.

Original Source -> Why so many poor kids who get into college don’t end up enrolling

via The Conservative Brief