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Some games develop a virtual economy and virtual currencies also exist. While the crypto currency of Bitcoin has made inroads into the industry, it remains to be seen whether or not this could be a valid solution to the logistical issue presented by micropayments in free to play games.

As the video game industry shifts from retail to a rapidly expanding online market, previously inaccessible segments are opening up to publishers and developers. The online gaming market is experiencing explosive growth - players are no longer tied down by games that require a certain console or level of connectivity. Mobile games have upped the ante even further by increasing the geographic range of a game and its potential player base. No longer viewed as a pastime primarily enjoyed by adolescents and younger children, the video game industry has firmly implanted itself into the economy and lives of almost all geographic areas and spans the breadth of socioeconomic factions. According to research conducted for ESA, the actual average age of a gamer is 30, and the division between the sexes is almost even, with 55% male and 45% female. From the female boomer who spends a few minutes playing bejeweled after dinner, to the 30 something game designer who supports a family in the burbs -the video game industry is a burgeoning entity.

Beyond the retail sphere, where packaged games are purchased for a set price to be played on a console at home - online video games fall into two categories: pay to play and free to play. With pay to play, users opt to pay a monthly subscription, usually via credit card, which maintains their account within the game. The most widely known pay to play game is World of Warcraft (WOW) - which is purported to have a 7+ million monthly subscriber base. Pay to play games garner revenue from their subscriber base, so developing a strong band of followers early on is key to their success.

Free to play games have a somewhat more complicated reputation and means to generating revenue. While it's been predicted that free to play games are set to overtake pay to play models in the next few years, it remains to be seen whether or not diehard fans of a certain pay to play game will be ready to take that leap. Free to play games are just that: free to play. However, they do generate revenue by ads, and making items available for purchase throughout the course of the game (generally they will offer to get rid of the ads once a player has spent a specified amount, such as $3). These items are normally small items that enhance a character or game play - a mightier sword for a warrior character, for instance, or a new colour shade for use in a drawing game. These items are for sale for a nominal fee, normally less than a dollar and most certainly less than five dollars. These low value transactions are aptly named microtransactions or micropayments due to their size. It's an exchange of real world money for game goods or services.

Free to play games have been widely criticized by followers of pay to play models due to perceived lack of quality and a somewhat transient game experience. Pay to play games generally provide a more satisfying social experience for players as users seek out and form groups meant to assist their character in advancing further in the game. Free to play proponents relish the ability to pick up and leave off whenever they please, and to not be indebted to the game by fear of losing their monthly 'investment'. Another factor is time, while many players comment that they time commitment required to do well in a pay to play model is impractical for anyone who needs to devote time to a balanced lifestyle.

While subscription payments for pay to play games are relatively straightforward in that they normally only require access to a credit card, micropayments are more complicated as they are normally too low value to fit well within a card scheme set up. Because of the excessive per charge fees, it often does not make good business sense to use a typical credit card charge for each micropayment. Some alternatives include charging an amount to a player's account, which the player is then free to use up as they proceed through the game. Another option is to take the cardholder's information and bill out once the amount reaches a certain threshold, say 10 or 15 dollars. For those markets where cash is king, the use of an ewallet enables gamers to take part in both models of online games.

Some games develop a virtual economy and virtual currencies also exist. While the crypto currency of Bitcoin has made inroads into the industry, it remains to be seen whether or not this could be a valid solution to the logistical issue presented by micropayments in free to play games.

Once a company makes the move to online gaming, it becomes necessary to understand and accommodate for the different payment needs. Super Data compiled research to show the most popular payment types in markets around the world. Just as international ecommerce gurus will attest, once you understand local payment preferences, you will set yourself up to capture the largest market share - at home or around the globe. According to the research, gamers in the US, UK, Mexico, France, India and Japan prefer credit card, while in Germany credit card ranks number 5, after direct debit, prepaid card and ewallet. In Brazil bank transfer is the first choice of payment. It follows then, that "Based on the wide variety in both the different used payment methods and the difference in volume from one country to the next, the suggestion emerges that publishers with a global strategy are best served by a multi-facetted monetization strategy" (The Gamer is Always Right - Super Data Research, March 2012).

When selecting a payment processor for online gaming payments, it's clear that the most important criteria include an international capability along with the capacity to offer a wide range of alternative payment options, to capture the largest market share. Ask potential processors if they handle micropayments, and what type of access they have to country specific knowledge of payment preferences for online gamers, as preferences are divided along country borders.

If you want to process international payments, PacNet Services can help. We provide a full range of international payment processing services used by companies around the globe. We offer local-currency merchant accounts, card processing, direct debit, electronic payments, foreign cheque deposits, and multi-currency payouts for refunds and rebates as well. Our clients enjoy easy setup, competitive rates, and rapid settlement to whichever bank account you use today.

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Hackers usually employ social engineering techniques - such as phishing emails and free software downloads - to get ransomware onto a system. Only one workstation needs to be infected for ransomware to work; once the ransomware has infected a single workstation, it traverses the targeted organization's network, encrypting files on both mapped and unmapped network drives. Given enough time, it may even reach an organization's backup files - making it impossible to restore the system using backups, as Methodist Hospital and MedStar did.

While healthcare providers and healthcare industry vendors cannot afford to ignore HIPAA, a new threat has emerged and is poised to become much bigger: ransomware attacks on hospitals and healthcare providers that are not seeking to breach patient information but instead render it inaccessible until the organization pays a hefty ransom.

In just the past few weeks, the following major ransomware attacks on healthcare facilities have occurred:

    In February 2016, hackers used a piece of ransomware called Locky to attack Hollywood Presbyterian Medical Center in Los Angeles, rendering the organization's computers inoperable. After a week, the hospital gave in to the hackers' demands and paid a $17,000.00 Bitcoin ransom for the key to unlock their computers.

    In early March 2016, Methodist Hospital in Henderson, Kentucky, was also attacked using Locky ransomware. Instead of paying the ransom, the organization restored the data from backups. However, the hospital was forced to declare a "state of emergency" that lasted for approximately three days.

    In late March, MedStar Health, which operates 10 hospitals and over 250 outpatient clinics in the Maryland/DC area, fell victim to a ransomware attack. The organization immediately shut down its network to prevent the attack from spreading and began to gradually restore data from backups. Although MedStar's hospitals and clinics remained open, employees were unable to access email or electronic health records, and patients were unable to make appointments online; everything had to go back to paper.

Likely, this is only the beginning. A recent study by the Health Information Trust Alliance found that 52% of U.S. hospitals' systems were infected by malicious software.

What is ransomware?

Ransomware is malware that renders a system inoperable (in essence, holding it hostage) until a ransom fee (usually demanded in Bitcoin) is paid to the hacker, who then provides a key to unlock the system. As opposed to many other forms of cyber attacks, which usually seek to access the data on a system (such as credit card information and Social Security numbers), ransomware simply locks the data down.

Hackers usually employ social engineering techniques - such as phishing emails and free software downloads - to get ransomware onto a system. Only one workstation needs to be infected for ransomware to work; once the ransomware has infected a single workstation, it traverses the targeted organization's network, encrypting files on both mapped and unmapped network drives. Given enough time, it may even reach an organization's backup files - making it impossible to restore the system using backups, as Methodist Hospital and MedStar did.

Once the files are encrypted, the ransomware displays a pop-up or a webpage explaining that the files have been locked and giving instructions on how to pay to unlock them (some MedStar employees reported having seen such a pop-up before the system was shut down). The ransom is nearly always demanded in the form of Bitcoin (abbreviated as BTC), an untraceable "cryptocurrency." Once the ransom is paid, the hacker promises, a decryption key will be provided to unlock the files.

Unfortunately, because ransomware perpetrators are criminals - and thus, untrustworthy to begin with - paying the ransom is not guaranteed to work. An organization may pay hundreds, even thousands of dollars and receive no response, or receive a key that does not work, or that does not fully work. For these reasons, as well as to deter future attacks, the FBI recommends that ransomware victims not cave in and pay. However, some organizations may panic and be unable to exercise such restraint.

Because of this, ransomware attacks can be much more lucrative for hackers than actually stealing data. Once a set of data is stolen, the hacker must procure a buyer and negotiate a price, but in a ransomware attack, the hacker already has a "buyer": the owner of the information, who is not in a position to negotiate on price.

Why is the healthcare industry being targeted in ransomware attacks?

There are several reasons why the healthcare industry has become a prime target for ransomware attacks. First is the sensitivity and importance of healthcare data. A company that sells, say, candy or pet supplies will take a financial hit if it cannot access its customer data for a few days or a week; orders may be left unfilled or delivered late. However, no customers will be harmed or die if a box of chocolates or a dog bed isn't delivered on time. The same cannot be said for healthcare; physicians, nurses, and other medical professionals need immediate and continuous access to patient data to prevent injuries, even deaths.

U.S. News & World Report points to another culprit: the fact that healthcare, unlike many other industries, went digital practically overnight instead of gradually and over time. Additionally, many healthcare organizations see their IT departments as a cost to be minimized, and therefore do not allocate enough money or human resources to this function:

    According to the statistics by Office of National Coordinator for Health Information Technology, while only 9.4 percent of hospitals used a basic electronic record system in 2008, 96.9 percent of them were using certified electronic record systems in 2014.

    This explosive growth rate is alarming and indicates that health care entities could not have the organizational readiness for adopting information technologies over such short period of time. Many of the small- or medium-sized health care organizations do not view IT as an integral part of medical care but rather consider it as a mandate that was forced on them by larger hospitals or the federal government. Precisely due to this reason, health care organizations do not prioritize IT and security technologies in their investments and thus do not allocate required resources to ensure the security of their IT systems which makes them especially vulnerable to privacy breaches.

What can the healthcare industry do about ransomware?

First, the healthcare industry needs a major shift in mindset: Providers must stop seeing information systems and information security as overhead costs to be minimized, realize that IT is a critical part of 21st century healthcare, and allocate the appropriate monetary and human resources to running and securing their information systems.

The good news is, since ransomware almost always enters a system through simple social engineering techniques such as phishing emails, it is fully possible to prevent ransomware attacks by taking such measures as:

    Instituting a comprehensive organizational cyber security policy
    Implementing continuous employee training on security awareness
    Regular penetration tests to identify vulnerabilities

Lazarus Alliance feels that it is much better to prevent a ransomware attack than to attempt to deal with one after it has occurred, especially in a healthcare environment, where lives are at stake should patient data become inaccessible. We offer full-service risk assessment services and Continuum GRC software to protect hospitals and other healthcare organizations. Lazarus Alliance is proactive cyber security®. Call 1-888-896-7580 to discuss your organization's cyber security needs and find out how we can help you prevent your facility from becoming the next victim of a ransomware attack.

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There also those that encash digital money such as PayPal or Bitcoins

There also those that encash digital money such as PayPal or Bitcoins. As they provide hassle-free loan application with minimal requirements, you may expect to pay staggering APRs or interest on your loan. Most of these services will also require borrowers to have an active or existing bank account.

When unexpected emergencies or expenses arise, we may sometimes find it difficult to obtain the cash we need. This is particularly true for people living under a stringent budget every month. Some people are also highly dependent on their salary for survival. So when emergencies strike, they tend to loan money from friends and family members. The problem is - there is no guarantee that someone would lend them the money every time it's needed. So what can be the next option? You can opt to apply for cash advances.

Personal Cash Advances

This is one form of short-term loan which aims to offer loanable cash to people who are in dire need of it. It can be in the form of a payday loan which makes it payable within a short period of 14 days or up to the next payday. Some cash advance providers may offer longer repayment cycle especially for the non- first timers. The amount of cash you can borrow may vary depending on consumer practices of the state.

Advantages of Using Cash Advance Services

• Money can be obtained within 24-48 hours.

• No need to worry about stringent credit and background checking. As long as you can prove that you are employed or you have a steady income, then you can apply for it.

• Inquiries can be made via the web, on the phone or through e-mail. Most businesses offering this service accept initial inquiries online.

• No need to show or provide any collateral. You just have to ensure that you can pay the loaned amount on time.

• Even those without a bank account can avail. They can have their money through prepaid cards instead.

• For people who remain to be in good payment standing, applying loans for the second or third time would essentially be a breeze.

• Most companies also offer referral bonuses to people who can convince others to apply for a loan. Referral bonuses can be up to $500.

• These services are also linked to other money services. Being a good payor can automatically help you avail of other forms of loans.

Requirements

So, if you have finally made up your mind and plan to apply for cash advance soon, you need to fulfill the following basic requirements to qualify:

• Are you at least 21 years old? Some companies also offer short-term loans to those who are 18 years old. This will highly depend on your proof of income.

• Do you have a job? Submit your proof of income and make sure that the documents are authentic.

• Having a bank account can be an advantage, too. However, there are now establishments that use this as a secondary requirement.

How to Avail of Cash Advance

There are typically two ways to avail this service:

1. By directly going to money service establishments. These businesses are designed to offer quick cash loan through various means - cash advances, check encashing, payday loans, collateral-based loans, etc. There also those that encash digital money such as PayPal or Bitcoins. As they provide hassle-free loan application with minimal requirements, you may expect to pay staggering APRs or interest on your loan. Most of these services will also require borrowers to have an active or existing bank account.

2. Another option is with the use of charge card or credit card. Credit cards authorize owners or card users to withdraw cash directly from ATMs. Note that there is always a limit when it comes to withdrawing cash from credit cards. Most of cash advance providers impose an interest of 3-5% and will require users to pay the amount within 30 days. The advantage of using this method is that it is possible to withdraw cash in any state. On the other hand, cash advance services are only available in certain states.

Important Factors to Consider before Applying for Any Type of Loan

Cash advances, just like all other types of loans, are not 'free money.' They are accessible, but they need to be repaid, too. Before applying, you must understand the financial responsibilities you have. You need to understand that cash advances require massive interest and fee which must be paid within a very short period of two weeks. Note that both federal and state laws are applied in terms of requirements and of sanctions.

Each state has its own law concerning unpaid debts, bounced checks, or returned checks. Most establishments will initially contact you in case of insufficient funds in your account. If you still fail to pay for your loan, a collection agency may take over. This will also immensely hurt your chances of renewing your loan. Moreover, it can tarnish your credit score which will have an impact on your capacity to loan directly from a bank, purchase a home, etc.

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BitCoin Mining
Although not as profitable as it once was, it might still be possible for you to earn some money by mining for bitcoins. If you have a fast, powerful computer then you can use it to automatically solve various problems and earn bitcoins. These bitcoins are very valuable, but mining for them takes a very long time.

The Internet is a great opportunity for many entrepreneurs, there are dozens of different ways to make money. Some of these methods are actually quite profitable. It's even possible to make a six figure income just by working on the Internet. This means that it's possible to give up your day job and fit your work life around your personal life. Today we are going to look at some of the different ways that you can build a profitable business.

Amazon
Amazon is one of the biggest online market places in the world. They started off selling books but now sell virtually anything. You can also register to sell products on the Amazon market place which can be very profitable. The key is to build up a good reputation by delivering products quickly and working to resolve any problems as soon as you possibly can.

Registering an account on Amazon is very easy, just enter your details and a valid email address and you can get started. Any money paid will be paid into your Amazon sellers account which can then be withdrawn to a bank account in your name very quickly and easily. It's a good site to use because you don't need to register for PayPal or another payment processor.

In order to make a six figure income from Amazon you will have to work very hard. Find a product to sell that either isn't currently available on the platform, or you can offer for a cheaper price or a better deal. Everyone will choose either the cheapest or best value product, so make sure you are able to compete before buying any stock. Amazon is a competitive marketplace, but the prices are generally slightly higher than on eBay because of the types of buyers that it attracts.

Selling Products Online
As well as Amazon there are also lots of other ways to sell products online for a profit. The biggest of these is eBay and this is a very useful site, as long as you can compete. Generally though eBay is so competitive, that unless you have the money required to order large amounts of stock that it will probably be virtually impossible for you to make huge profits. The best way to use eBay is to sell fairly low value products in large quantities, the profit per item may be small but due to the size of the market you will shift them quickly.

To make any real money on eBay you will need to have a powerseller account. This is the top tier and most trusted seller on eBay. Getting one of these accounts will take a lot of work. If you want a shortcut and have money to invest it might also be possible to buy a business which already has a powerseller account. This may be against eBay's terms, so I accept no responsibility with this.

You can also set up your own online shop on the Internet. This is cheap and easy to do. You can either do it yourself using free open source software like osCommerce, Zencart or CubeCart, or you can have it professionally designed. These work well with Amazon and eBay stores.

BitCoin Mining
Although not as profitable as it once was, it might still be possible for you to earn some money by mining for bitcoins. If you have a fast, powerful computer then you can use it to automatically solve various problems and earn bitcoins. These bitcoins are very valuable, but mining for them takes a very long time.

Affiliate Schemes
Affiliate Schemes are a great way to make money without having to sell anything or really do anything. All you do is recommend a certain product or service. Every time a customer buys the product using your link you will get a percentage of the profit as commission. The amount you earn will be fairly low, but it all mounts up.

The best way to earn a six figure online income is to use a mufti-pronged approach. Instead of just investing all your time in one business, try setting up several and then pooling all the money together. Once you find out which is the most profitable you can then start concentrating more of your efforts in that. Remember everyone is different and will be able to make different ideas into a six figure online business opportunity.

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The Internet is a great opportunity for many entrepreneurs, there are dozens of different ways to make money. Some of these methods are actually quite profitable. It's even possible to make a six figure income just by working on the Internet. This means that it's possible to give up your day job and fit your work life around your personal life. Today we are going to look at some of the different ways that you can build a profitable business.
Amazon
Amazon is one of the biggest online market places in the world. They started off selling books but now sell virtually anything. You can also register to sell products on the Amazon market place which can be very profitable. The key is to build up a good reputation by delivering products quickly and working to resolve any problems as soon as you possibly can.
Registering an account on Amazon is very easy, just enter your details and a valid email address and you can get started. Any money paid will be paid into your Amazon sellers account which can then be withdrawn to a bank account in your name very quickly and easily. It's a good site to use because you don't need to register for PayPal or another payment processor.
In order to make a six figure income from Amazon you will have to work very hard. Find a product to sell that either isn't currently available on the platform, or you can offer for a cheaper price or a better deal. Everyone will choose either the cheapest or best value product, so make sure you are able to compete before buying any stock. Amazon is a competitive marketplace, but the prices are generally slightly higher than on eBay because of the types of buyers that it attracts.
Selling Products Online
As well as Amazon there are also lots of other ways to sell products online for a profit. The biggest of these is eBay and this is a very useful site, as long as you can compete. Generally though eBay is so competitive, that unless you have the money required to order large amounts of stock that it will probably be virtually impossible for you to make huge profits. The best way to use eBay is to sell fairly low value products in large quantities, the profit per item may be small but due to the size of the market you will shift them quickly.
To make any real money on eBay you will need to have a powerseller account. This is the top tier and most trusted seller on eBay. Getting one of these accounts will take a lot of work. If you want a shortcut and have money to invest it might also be possible to buy a business which already has a powerseller account. This may be against eBay's terms, so I accept no responsibility with this.
You can also set up your own online shop on the Internet. This is cheap and easy to do. You can either do it yourself using free open source software like osCommerce, Zencart or CubeCart, or you can have it professionally designed. These work well with Amazon and eBay stores.
BitCoin Mining
Although not as profitable as it once was, it might still be possible for you to earn some money by mining for bitcoins. If you have a fast, powerful computer then you can use it to automatically solve various problems and earn bitcoins. These bitcoins are very valuable, but mining for them takes a very long time.
Affiliate Schemes
Affiliate Schemes are a great way to make money without having to sell anything or really do anything. All you do is recommend a certain product or service. Every time a customer buys the product using your link you will get a percentage of the profit as commission. The amount you earn will be fairly low, but it all mounts up.
The best way to earn a six figure online income is to use a mufti-pronged approach. Instead of just investing all your time in one business, try setting up several and then pooling all the money together. Once you find out which is the most profitable you can then start concentrating more of your efforts in that. Remember everyone is different and will be able to make different ideas into a six figure online business opportunity.


Article Source: http://EzineArticles.com/8262998

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The use of barter also seems to be increasing in popularity as a method of value exchange, as people turn away from fiat currencies in droves. In addition, the recent out in Bitcoin prices, has drawn considerable media attention to the use of that electronic currency as an alternative medium of exchange to fiat currency.

The Forex market may actually be seeing the beginning of the crack up boom where traditional currencies like silver and gold will naturally reassert themselves just as world monetary expansion begins to truly accelerate

The big shorts in the precious metals markets have acted as the governor, preventing the true expression of the paper currency value of real money for decades.

It seems to be no coincidence that their market dominance was enabled in large part by the luxury of interested parties enjoying cheap access to the world's main reserve currency.

An Overview of the Recent Timeline

It seems relevant to review some of the recent historical events and circumstances that have brought the currency market to its present tenuous state.

The first factor to consider is the credit bust. For too many years, going back to the 1990's, the Fed's and other major central banks' policies have incentivized leveraged speculation. This has fostered a massive inflation in the global pool of speculative finance that created situation where too much market-based liquidity or "money" has been chasing too few risk assets.

The second factor is the massive rise in monetary stimulus programs. One result of these huge quantitative easing and bailout packages is that unprecedented monetary creation is largely bypassing real economies on its way to creating bubbles in global securities markets.

The third factor is the realty of unbalanced government budgets. The recent U.S. government budget released showed an increase in spending, as the much-publicized debt ceiling limit is repeatedly increased and adherence to it postponed. Nevertheless, that ceiling was an important - albeit probably symbolic - gesture that telegraphed to the rest of the world there would be some limits to the huge debt already accumulated by the United States.

Finally, the recent banking crisis in Cyprus has provided the world with a template for the first direct bail-in, where bank investors and depositors help pay for its failure to operate in a commercially viable manner.

Global Monetary Expansion Continues

Japan recently announced further radical stimulus measures to help stimulate its flagging economy. This increasing trend toward boosting the Japanese money supply has resulted in a sharply weaker Yen, which has declined from a historic high of 75.55 Yen to the Dollar seen in October 2011 to a recent high of 99.94 touched on April 11th of this year.

Another remarkable event has been the parabolic rise in Bitcoin observed over the last few years, only to see the electronic currency crash hard in extremely volatile recent trading. The crash came in the wake of some recent Denial of Service attacks on Bitcoin's primary dealing website Mt. Gox that handles roughly 80 percent of its market.

The prices of gold and silver have also been hit hard enough to break a key 38.2 percent Fibonacci retracement level that in turn provoked further technical selling. The sharp sell-off in the precious metals has conveniently allowed J.P. Morgan Chase to exit some of its concentrated short positions.

The Money Supply and Money Creation

Basically, the world's stock of fiat money is not contracting - quite the opposite, in fact. Japan has just launched its 'stimulus on steroids plan', which will see the developed world's most indebted economy create a proposed $1.4 trillion in Yen in a bid to break its economy free from depression and the questionable risk of deflation.

Nor is money creation in the West likely to subside, although earlier this month, the FOMC did hint that it might reduce its asset purchases later this year and that the committee was divided on the risks of continued super easy monetary policy.

Furthermore, current Bank of Canada governor Mark Carney's departure to head the Bank of England is expected to result in a trend toward more activist monetary policy in the UK too.

Triple Forex - Money Cracking Up as a Reflection of Confidence.

On the world's forex market, recent weakness in the commodity currencies like the Australian, Canadian and New Zealand Dollars has been noted in the wake of the remarkable sell-off in the precious metals seen over the past week.

These currency moves tend to highlight recent U.S. Dollar strength, more so than being a reflection of the recent commodity downdraft.Nevertheless, recent events may actually represent the last gasp of King Dollar, as inflationary U.S. monetary and budgetary policies continue to chip away at the value foundation of the world's primary reserve currency.

Precious metals now appear to have found good support, with retail physical sales reportedly booming at the lower prices, despite heavy downward pressure exerted on the paper futures markets.

The use of barter also seems to be increasing in popularity as a method of value exchange, as people turn away from fiat currencies in droves. In addition, the recent out in Bitcoin prices, has drawn considerable media attention to the use of that electronic currency as an alternative medium of exchange to fiat currency.

Falling Prices May Accelerate Monetary Expansion

Falling commodity prices are simply another indication of failed policy that could well set the stage for a further acceleration in monetary expansion.

Speculative excess today encompasses all markets, with big money piled up on both the long and short sides of the financial markets.

Ultimately, it is the large shorts who seem to trigger the sell-offs in the commodities like silver and gold, probably so that they can cover their positions profitably.

For more articles like this, and to stay updated on the most important economic, financial, political and market events related to silver and precious metals

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Even before the emergence of BitCoin was known my circle of very intelligent business associates and partners have participated in entrepreneur think tanks or round table discussions looking at particular products, service and technologies.

In over the past 25 years of experience I have had the opportunity to build, market, brand and promote a number of products or services online by building significant size organizations. I have done so with traditional companies and by using channels of network marketing. Many successful entrepreneurs have accumulated great wealth participating in similar ventures.

Although there are a number of people who disdain network marketing due to a variety of factors one can not argue there are a significant number of companies who use network marketing as a source to build, brand or promote services, products and technology. Many companies that have emerged in this industry are now multi billion dollar companies.

A number of these people in my circle who I would describe as professional visionaries. They gained great knowledge by performing deep research. They too relied on their connections to meet other visionaries who early on forecast that there would be rapid growth of blockchain technology and cryptocurrency.

My team of entrepreneurs had many discussions regarding the emergence of blockchain technology and cryptocurrency. Those discussions included ways in which our group group might be able to capitalize in this new technology.

There are a number of new cryptocurrencies that have emerged since BitCoin. I can think of 10 to 12 new cryptocurrencies that appear to be of interest that we feel will reach significant traction over the internet.

One entity that has caught our attention is relatively new to the scene of open source blockchain and cryptocurrency. What is different about it was they emerged using network marketing. This company is known as OneCoin.

Over one year ago members of our think tank group began to do some deeper research with this particular company to separate facts from fiction. We were curious if there was any merit to what this company was doing. We also wanted to know more facts about the principles of the company.

I can speak to you about completing proper due diligence. For many who I refer to as completely misinformed entrepreneurs whose idea of due diligence is merely putting the company or a company officer name in a Google search engine. They then accept whatever information they glean as pure unquestionable fact. If anyone were to say this is how proper due diligence is conducted is sadly misinformed.

I have Google searched the name of some very elite companies and giant entrepreneurs who most people look up to as a standard in whatever industry they represent and found countless amounts of misinformation without merit or sustainable facts.

Merely completing a Google search engine search is not the proper way to conduct a full due diligence investigation or background of a company or individual. Although it's a basis to start, it is certainly not a complete background. Using Google search is not the proper way to gathering accurate facts.

The Reason: There is a lot of misinformation posted by individuals or group publications for too many reasons to name here that purposely post negative or misinformation. Sometimes individuals post negative information about companies, especially if there is significant interest of the company. They do this to draw more attention to themselves or to draw web site visitors to their blog for no other purpose then individual monetary gain. Example the more visitors I have the more advertising revenue I earn.

You see the national media do the same thing. Often they publish erroneous information not factual to sensationalize the story to the public. On many occasions their sources are never properly vetted to assure accuracy. The public watches. Advertising revenue increases. Sometimes a retraction of the error or that the information was not accurate follows which is so obscure nobody notices.

Through our entrepreneur think tank we learned OneCoin was based in Sophia, Bulgaria Europe and the CEO Dr. Ruja Ignatova had an extensive background in the world of fiance and banking industry.

In particular this same Dr. Ignatova held a Juris Degree from the University of Oxford with a Masters Degree in Economics from the University of Konstanz. We also found that Dr. Ruja earned a Ph,D in law from the University Konstanz. Her thesis was on Corporate Litigation within the European Union.

We also investigated Dr. Ignatova's background. She was a former Associate Partner in McKinsey and Company which she worked on a significant number of of projects. Dr Ignatova also had a vast banking background as CEO/CFO in one of the biggest asset management funds in Bulgaria.

We also learned Dr Ignatova's background in cryptocurrency made her one of the leading authorities in Europe regarding blockchain technology and cryptocurrency.

This was interesting to us. Not being satisfied we really wanted to document this information was factual or not. Following this a member of our think tank decided to conduct his own deeper research to document all of this. This was followed up by a personal visit to the company HQ in Sophia Bulgaria. Surprisingly our think tank member was given full transparency inside the company and to Dr. Ignatova. This was documented by an independent film crew who accompanied this contact in Europe.

We have since updated our research on this company based on this independent research.. We find they have gained quite a bit of traction in gathering worldwide membership of over 1.7 million. Members may enroll for free or purchase education packages/training packages ranging in different price points based on the education package.

Based on the education package size, they are distributed tokens which are used for mining purposes. Through this process the member mines cryptocurrency coins that they may elect to hold for growth valuation. Members have an option to sell their crypto-coins back to an internal exchange.

We witnessed this price of a crypto-coin from its inception at about.50 euros has grown in value to about 5.63 euros on their internal exchange within a period of approximately 1 year. This is a staggering eleven times valuation.

The company uses open source blockchain technlogy independently audited by 3rd party audit firms with a plan to mine approximately 2.1 billion coins. Their goal is to be listed on independent exchanges through massive growth. Apparently Dr Ignatova has a plan is allow the everyday use to use of the for example purchase of goods/servcies to a worldwide base of merchants using seamless payment systems.

We also noted in the world of network marketing this company has gained great traction in the network marketing industry. If this company is not the fastest growing network marketing company it certainly is one of the fastest growing network marketing companies in the world from the years 2015 to 2016.

The company has also merged acquired 3 other network marketing companies which appears to be a method of gaining rapid growth in the industry. They are entrenched in multiple countries throughout the world.

Our group findings also learned that there are in deed a number of their membership include the top money earners worldwide plus some of the world top money earners in the world of network marketing. These list of top money earners may be found by searching independent online reporting companies who validate such results. This is a form of who is who in the world of network marketing top money earners.

We also note that a number of these marketing leaders in one year have surpassed other marketing giant entrepreneurs who previously held these prestigious titles as recognized top money earners in the industry. These incomes are exceedingly higher when compared to many highest paid CEO's and corporate executives in the world.

We were astounded to see not only does OneCoin have the top money earner but have in just under one year a significant top worldwide money earners when compared to other network marketing top money earners worldwide.

As a think tank group we neither publicly condone as in recommend nor do we publicly condemn as in criticize individual network marketing companies we review. We merely share our complete due diligence and report the facts as they are.

This is our 5th complete review of a network marketing companies. The others received some good and other negative review from our think tank team. Part of our background must include a visit by at least one of our trusted representatives who makes personal visit to the company HQ and be given full transparency to document our fact finding.

Our conclusion is for the individual to make their best judgement as to whether this is a unique way of capturing market share in the world of cryptocurrency. It certainly is an interesting concept that deserves merit in at least noting as another way or method to gaining market share in the world of available cryptocurrency. (crypto- currency)

We as a group of business successful entrepreneurs have spent the time and money to give the most unbiased and accurate results of our background investigations of those companies we care to investigate.

There are members of our group who certainly are open to share our complete due diligence finding results with entrepreneur minded individuals with whoever has an interest then allow them to make their own decisions or conclusions. We report the positive and negative facts as they truly are.

I am a retired police officer, chief of police CEO of a privately held Nevada based internet company. I have expertise in crypto-currency, online business building, coaching and marketing. I am part of a think tank group of entrepreneur professionals who research companies or up and coming technologies that merit review.

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Of course, we might be able to use digital currency, a Bitcoin or BlockChain type scheme, the same way as Free-Market Capitalism with a new form of "unit" to trade. This might help us curb the cronyism of socialist elite, Communist regimes and corporate/government incestuous relationships that Adam Smith warned us about. The units of trade could retain value based on "real work" - positive work towards noble endeavors, while the units traded for commerce remain the same. The "goodness" pay would be based on supply and demand, more pay for what is needed, less pay for what is already in abundant supply. The AI decision matrix determines this, not humans?

It goes without saying that a think tank needs a constant flow of new ideas and innovations to be of value to our society and civilization. So, of course, we ask our fellow members to be generous with their ideas. From time to time we also get outsiders from around the work sending in their best mental brain storms. Not long ago, we had someone explain their plan to ditch the money rat race in society, actually to ditch money all together and increase our productivity by some 30%, here is what he had to say:

"I have an idea that could improve the overall efficiency of the world by perhaps 30%. I need help in the part of how to turn capitalism into a non-money using, non-communism structured government. Also how to persuade the government to move to it and think it was their idea in the first place."

Well, my first thought was; if we can improve efficiency in human civilization by 30%, I am ALL-IN. Indeed, I am a capitalist and love free markets and yet, I must admit I agree that the unit of trade, we currently call a USD (reserve currency) has challenges in rewarding many of the things we need to propel humans into the future. If we could find a way to use (digital units) and give out digital units for things like volunteerism, picking up trash on a daily walk, innovation, mentoring, original thoughts, and other contributions to society we could have "real value" supporting the intrinsic value of the digital units.

Of course, we might be able to use digital currency, a Bitcoin or BlockChain type scheme, the same way as Free-Market Capitalism with a new form of "unit" to trade. This might help us curb the cronyism of socialist elite, Communist regimes and corporate/government incestuous relationships that Adam Smith warned us about. The units of trade could retain value based on "real work" - positive work towards noble endeavors, while the units traded for commerce remain the same. The "goodness" pay would be based on supply and demand, more pay for what is needed, less pay for what is already in abundant supply. The AI decision matrix determines this, not humans?

And really it is the next logical step as AI replaces decision making (executives, analysts, and management) and robotics replaces most labor jobs, and AI + robotics replaces most creative jobs (artists, writers, etc.) and AI + VR replaces teaching jobs.

In many ways we would avoid capitalism, at least the way it's practiced in reality (crony capitalism), but we also need to make sure that no one games the system - including those controlling it - unfortunately, there is also that problem of human nature. Also the group, government, leadership of the system would have a little too much power and therein reminds us of the quote; absolute power corrupts absolutely, and/or the reality that power brings out and amplifies any character flaws, even those of a benevolent philosopher king.

In many regards Capitalism is becoming less usury driven, due to interest rates being so low and in some places negative rates.

So, here is the $64 Million question - is it possible to change our current monetary system and could we really do it any better - and is it worth the risk to try? Well, either way it is an interesting place to do a mental experiment isn't it?

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Cyber currencies like Bitcoin may be the way forward in this case

Cyber currencies like Bitcoin may be the way forward in this case. A civilization could set things up in which a weekly spending voucher is provided to each of its citizens. The voucher is reset every week and all people get an equal share of currency. With the need for work gone, the people in such a civilization would, instead of focusing on job security, could focus on improving their civilization.

In the wake of the economic crisis that occurred in 2008, the expected recovery hasn't yet shown up. I think we shouldn't be asking ourselves when a recovery will happen but rather if a recovery will happen. There are the usual suspects of peak oil and wealth inequality, but I posit a different cause: automation. As computers, sensors and actuators get cheaper and better, we're beginning to see industries becoming increasingly automated and person free. In fact recent research done by the Gartner research firm has stated that the first human free companies will start to appear around 2020 to 2030.

What will the future of employment be? Some say that the new technology will actually create more jobs and point to the industrial revolution as an example. While menial labor was reduced by the industrial revolution, people could still get into jobs that required education. That's not the case now. With advancements ranging from driverless cars, to software that reads for lawyers, the jobs requiring brains are now disappearing. The future increasingly looks bleak for people who are not higher ups at companies or government. The future may be one of the vast majority of people scraping by in slums. Or will it?

Believe it or not, people have been thinking about what technological employment will entail and have suggested multiple solutions. Some solutions are radical, while others are mundane. In this article I'm going to focus on a solution called guaranteed basic income. What is that, you might ask? It's a solution to technological unemployment in which all people (in many cases over a certain age) receive money or credit for spending. There's a conundrum with this though, where do we get the money or credit? Usually this is done via heavy taxation, which is unpopular with many people. But a new answer may have shown itself.

Cyber currencies like Bitcoin may be the way forward in this case. A civilization could set things up in which a weekly spending voucher is provided to each of its citizens. The voucher is reset every week and all people get an equal share of currency. With the need for work gone, the people in such a civilization would, instead of focusing on job security, could focus on improving their civilization.

This is my vision. Imagine a world where money is given to people to spend on the fruits of automated labor. With improvements in manufacturing and energy production, cities could be greened with buildings surrounded by foliage. No more need for factories or power plants taking up space; each building could be self sufficient. The cities could even be a place where people and animal could both thrive. Instead of life being crowded out of cities, life could be reintroduced to them with no detrimental impact to people. And with poverty eliminated, crime could be very low, if not non-existent.

There is a long and difficult road ahead if we want to make this vision a reality. But I'm confident that it can be done, and sooner than most realize.

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In the wake of the economic crisis that occurred in 2008, the expected recovery hasn't yet shown up. I think we shouldn't be asking ourselves when a recovery will happen but rather if a recovery will happen. There are the usual suspects of peak oil and wealth inequality, but I posit a different cause: automation. As computers, sensors and actuators get cheaper and better, we're beginning to see industries becoming increasingly automated and person free. In fact recent research done by the Gartner research firm has stated that the first human free companies will start to appear around 2020 to 2030.
What will the future of employment be? Some say that the new technology will actually create more jobs and point to the industrial revolution as an example. While menial labor was reduced by the industrial revolution, people could still get into jobs that required education. That's not the case now. With advancements ranging from driverless cars, to software that reads for lawyers, the jobs requiring brains are now disappearing. The future increasingly looks bleak for people who are not higher ups at companies or government. The future may be one of the vast majority of people scraping by in slums. Or will it?
Believe it or not, people have been thinking about what technological employment will entail and have suggested multiple solutions. Some solutions are radical, while others are mundane. In this article I'm going to focus on a solution called guaranteed basic income. What is that, you might ask? It's a solution to technological unemployment in which all people (in many cases over a certain age) receive money or credit for spending. There's a conundrum with this though, where do we get the money or credit? Usually this is done via heavy taxation, which is unpopular with many people. But a new answer may have shown itself.
Cyber currencies like Bitcoin may be the way forward in this case. A civilization could set things up in which a weekly spending voucher is provided to each of its citizens. The voucher is reset every week and all people get an equal share of currency. With the need for work gone, the people in such a civilization would, instead of focusing on job security, could focus on improving their civilization.
This is my vision. Imagine a world where money is given to people to spend on the fruits of automated labor. With improvements in manufacturing and energy production, cities could be greened with buildings surrounded by foliage. No more need for factories or power plants taking up space; each building could be self sufficient. The cities could even be a place where people and animal could both thrive. Instead of life being crowded out of cities, life could be reintroduced to them with no detrimental impact to people. And with poverty eliminated, crime could be very low, if not non-existent.
There is a long and difficult road ahead if we want to make this vision a reality. But I'm confident that it can be done, and sooner than most realize.


Article Source: http://EzineArticles.com/8106100

E-currency is fast becoming the order of the day on the internet

E-currency is fast becoming the order of the day on the internet. It involves the buying and selling of electronic currencies. There are diverse kinds of e-currency platforms operating online. The most popular among them include Perfect Money, Ego Pay, Bitcoin, Webmoney, Payza, Liberty Reserve, e-Gold, and so on. Most of these platforms allow free registration of accounts. They also give customers several options for funding, withdrawing and exchanging e-currency. You can change one form of currency to another form. For instance, you can change USD to EURO through any of the reliable e-currency platforms.

Online payment solutions refer to various gateways or systems used in settling payments through the internet for online sales. The emergence of online shops has made the integration of payment systems very necessary. Online shoppers can only pay for products and services purchased when there are unique payment solutions made available.

Currently, there are diverse kinds of online payment solutions available for use on the internet. The kind of solution you'll use depends so much on the e-commerce website involved. There are diverse categories of online payment solutions available on the internet. Let's examine them.

    Credit/Debit Cards

Difference kinds of credit/debit card companies have now come online. Among the major ones in use include Visa and MasterCard. Majority of online shops and other e-commerce enterprises allow the use of credit or debit cards on their platforms. Most online shoppers prefer to use credit or debit cards for easy payment of products and service. This is often because the processing time is very fast.

    Bank Wire

This is another online payment solution commonly used online. It's often used for funding online accounts. It can also be used for the payment of services rendered online. Bank Wire is also known as Wire Transfer. It's the safest ways of funding or withdrawing money online. The only drawback is that the procession time takes 3 to 7 days.

    Online Payment Companies

There are several companies that offer unique payment systems to millions of internet users. The most popular among them include PayPal, Skrill, Payoneer, Google Check-out, and so on. Several e-commerce websites and online shops are given the opportunity of integrating such payment gateways on their platforms. Customers can easily pay for products or services by clicking on the appropriate payment system.

    E-currency Platforms

E-currency is fast becoming the order of the day on the internet. It involves the buying and selling of electronic currencies. There are diverse kinds of e-currency platforms operating online. The most popular among them include Perfect Money, Ego Pay, Bitcoin, Webmoney, Payza, Liberty Reserve, e-Gold, and so on. Most of these platforms allow free registration of accounts. They also give customers several options for funding, withdrawing and exchanging e-currency. You can change one form of currency to another form. For instance, you can change USD to EURO through any of the reliable e-currency platforms.

Aside from the above, there are many other online payment solutions available on the internet. Many of them are still coming up while others are already causing waves online. Majority of the online payment companies are raking thousands of cash on daily basis. This is often the case with those of them that are well known for rendering quality services.

To make the most out of online payment solutions, you need to be cautious when using any of the available means. If you're using credit or debit cards for instance, you have to be sure of the site you're dealing with. This prevents you from getting duped. If you're also using other online payment platforms, you must make proper inquiries about the companies before using any of them. If for any reason you're in doubt, you shouldn't go ahead to use the payment gateway until you make further inquiries.

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Such as BitCoin Perhaps Physics Journals

Images of coins inhabit stories of purely virtual cryptocurrency, such as BitCoin. Perhaps Physics journals, where readers actually are interested in the electrons and the math of the cyberrealm, are the exception to this rule. When talking about cyberwar, hyperbole & metaphor are the rule rather than the exception. Cyberthis, cyberthat - you may have noticed that the virtual world is inhabited by nouns and verbs taken from the material world, and that images of cyberthings in the news tend to have dramatic pictures of physical things rather than the electrons that make up the cyberworld.

Drama. Drama is the touchstone for reporting. We have to look well around this particular stone in order to catch a realistic impression of the virtual. We have to look around it even to understand what CyberWar is or how it is defined.

When talking about cyberwar, hyperbole & metaphor are the rule rather than the exception. Cyberthis, cyberthat - you may have noticed that the virtual world is inhabited by nouns and verbs taken from the material world, and that images of cyberthings in the news tend to have dramatic pictures of physical things rather than the electrons that make up the cyberworld. Images of coins inhabit stories of purely virtual cryptocurrency, such as BitCoin. Perhaps Physics journals, where readers actually are interested in the electrons and the math of the cyberrealm, are the exception to this rule.

But when we read stories of cyberwar, we see pictures of soldiers, firearms and materiel accompanying the story. When we read of the people sitting at desks and computers to figure out how to hack and not be hacked, we call them CyberWarriors and pictures of men in flak jackets and helmets accompany these stories. I wonder what CyberItem will be accompanied by pictures of tanks and bombers.

Aside from the dramatic illustrations and photos, what is CyberWar? In 2010, Richard Clarke, former Special Advisor to the President on cybersecurity defined cyberwarfare as "actions by a nation-state to penetrate another nation's computers or networks for the purposes of causing damage or disruption." The salient point being that a nation-state must be identified as the offender. If this is true, then we have apparently been already involved in years-long cyberwars, with attacks both from and to/on China, Russia, the USA, Israel, Georgia, Ukraine, the Koreas, Syria, Iran, Estonia and more. And though countries always deny it, there have been clear indicators, tantamount to proof, that these countries have set their digital attackers on one another's networks, computers, and data. Damage to said networks, computers, and data has ensued.

So certainly, there have been cyberattacks on and by states. But is it CyberWar? Dr. Thomas Rid, Professor of Security Studies at King's College says that there is no Cyberwar. He tends to define cyberwar in terms of physical infrastructure catastrophes - scenarios where water stops "flowing, the lights go out, trains derail, banks lose our financial records, the roads descend into chaos, elevators fail, and planes fall from the sky." And he says it not going to happen. In fact, he has a 2013 book named, "Cyber War Will Not Take Place.".

Others are not so sanguine about the subject and possibilities. In the United States, amidst falling government spending in most areas, the Cyber Command budget is skyrocketing. It has nearly doubled year-over-year: $118 Million in 2012, $212 Million in 2013 and $447 million in 2014. That buys a lot of electrons, a lot of code, and a lot of cyberwarriors (sans flak jackets). These increases are leading to similar, albeit not as dramatic inflation of cyberbudgets in other countries.

With all the cybertools at hand and those being created, won't someone be tempted to use them? Is CyberWar inevitable, or is there a way out? It's a question that ethicists are taking seriously. Big thinkers like Patrick Lin, Fritz Alhoff and Neil C. Rowe have coauthored several articles, such as Is It Possible to Wage a Just Cyber War? and War 2.0: Cyberweapons and Ethics to explore alternatives. There exist laws of (conventional) war and there must exist similar guidelines for cyberconflicts. Yesterday is not too soon to begin looking seriously at these issues.

When we try to answer the phrase that is the title of this article, it must needs be all over the map, because the definition of cyberwar is, like this article, all over the map. It is actually and literally all over the globe. The definition of cyberwar differs from country to country and from organization to organization. An article entitled (full metaphors flying), The Wild West of Cyberwarfare attempts to seriously denote such differing ideas on the subject, its title notwithstanding. Its discussion is useful, but its conclusion is necessarily amorphous.

The 302-page Tallinn Manual is the result of a three-year study by experts on the subject that attempts to set such definitions. It can be read for free. But the conclusions reached herein are not adhered to by all potential parties to cyberconflicts.

Well then, what is the best answer we can give to the state of CyberWar in the world? Cyberattacks are rife, worldwide. They are carried on by multiple state actors and by stateless ones. They are carried on by state actors who pass the blame off on other states and on stateless actors over whom they claim to have no control or input, but who are nevertheless politically aligned. They are carried on by hacktivists, who seek political change through disabling or defacing sites, networks, and information. They are carried on by those with a pure profit motive. And they are carried on by ne'er-do-wells who just find joy in minor mayhem.

All such attacks are increasing, although the great majority remain relatively unsophisticated acts such as Distributed Denial of Service (DDoS). However, there is little evidence that much in the way of physical infrastructure is affected. There is little evidence that people are being physically harmed through such attacks. It is unknown whether such events will actually come to pass.

Dr. Rid says they won't. Drs. Lin, Alhoff and Rowe are pointing the way to avoiding such harm. Richard Clarke and former Secretary of Defense, Leon Panetta, say it's inevitable and we must prepare - to the tune of hundreds of millions of dollars.

Albert Einstein famously said, "You cannot simultaneously prevent and prepare for war." Let us hope that in the case of Cyber war, he was incorrect.

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