Bitcoin Nosedive? Not to worry.

written for Excel Investing by Zackary Richards

The first thing I tell people about cryptocurrency is that it is VOLATILE! It has been since it’s inception. Here’s a short synopsis of it’s ups and down over the years.

The reason for this volatility is due to its lack of an Institutional Grade Custodian. What is an Industrial Grade Custodian? it is a framework that prevents any institution that’s holding your money from running away with it.

It is the framework of the stock market. Which is why big money institutions are the premier players, because they know their investment are safe.

Well as safe as they can be in a volatile market. Aka 2008’s housing bubble. But they brought that upon themselves so…

But here’s the thing. Regardless of what the big money media is saying, big money wants cryptocurrency. It would save them billions in transaction fees, and big money REALLY likes saving money.

But they’re not going to invest because of cryptocurrency’s lack of an Institutional Grade Custodian.

But wait! Most people aren’t aware that Goldman Sachs fronted the money for Circle to purchase Poloniex a cryptocurrency exchange for a reported 400 million. Now why would Goldman Sachs front all that money for one of the smaller cyyptocurrency exchange?? It’s because Poloniex is going to become a SEC compliant crypto exchange AKA the Institutional Grade Custodian of cryptocurrencies. And once it does, baby, it’s “Everybody in the pool!!”

Here’s what Circle’s president Steve Neville and CEO Jeremy Allaire had to say about the purchase:

The cryptocurrency boom represents an inevitable transition: money evolving from cloth to code.

Over the next five to 10 years, they say, all sorts of traditional securities will become “tokenized”—divvied up into virtual stakes recorded on blockchains, the shared ledgers that power cryptocurrencies. People will own and trade small digital slices of everything from real estate, to cars, to houses, to patents, to stocks, to artwork—many of which may programmatically pay out dividends via software-defined “smart” contracts. Advocates say this tokenized future will make new asset classes accessible to smaller investors and lower the costs of transacting and investing, across borders as well as within them.

This is why I say don’t worry about Bitcoin’s recent drop. Remember big money doesn’t like competition. And there is only a fixed amount of Bitcoin, 21 million and they want it as cheap as possible so when Poloniex become SEC compliant, they are going to buy like mad.

As it stands right now there are crypto hedge funds being created every day. Listen, big money focuses entirely on profits, and they don’t invest and especially pay 400 million dollars for something they aren’t convinced will eventually pay off big.

Case in point Bank of America has just registered a cryptocurrency patent.

Ignore the smoke and mirrors of the nay-sayers. BUT keep in mind the majority of the current existing cryptocoins will likely either fail, be replaced by a stronger coin in that discipline, or be purchased outright by a major organization. So for you beginners in crypto, stick with Bitcoin, it is the daddy of all cryptos and the most likely to profit the most once big money jumps in.

Also remember that cryptocurrency is still very volatile, so I strongly suggest that you spend the next month or so reviewing the coins on www.coinmarketcap.com  and get a feel for them until Pololiex comes into play.

Cryptos will likely remain volatile until Bitcoin hits bottom again. That’s when big money will make their move.

 If you are interested in information like this, sign up for our newsletter at www.excelinvesting.com The economy is going to change drastically in the next few years, and we can show you how to take advantage of it. 

Harvard Analysis Confirms 9 to 5 Jobs Are Dying Out.

Harvard did an in-depth analysis of all the jobs added to the economy over the last few years.

The result? Only 6% were traditional full-time jobs.

The remaining 94% were temporary or contract type positions like Uber or freelancing.

Just as I’ve been saying over the last few years, the 9-5 traditional jobs are dying out. And it’s no longer people like me sounding the alarm, Harvard, America’s premier learning institution has stepped up and joined the fray.

Want some more bad news?  

In the last three years alone, wages have nose-dived by 6%. And that's not even taking inflation into account.

So, what do you do?

Because you’d better do something!

When I was laid off in 2010, right in the middle of the Great Recession, I had a mortgage, a car payment and two kids in college. And nobody was hiring. Especially a 50-year-old like me. What made matters worse, was that the company who published my books, along with the thousands of bookstores that carried them, went out of business.

Tough times.

Looking back, I now realized it was my own fault. I had been in corporate for 30 years, yet I knew very little about how to make money.

Like nearly everyone I knew, I believed you made money by getting a job, saving a little each paycheck for retirement and worked till you were 65.

I had no idea how my 401K worked and so I wound up losing all my investments when the market crashed.

What a dope!

I know better now and if you continue reading you will too.

Here’s what you need to know.

The majority of businesses are moving online. The reason is Amazon has made buying online simple, and so, they’re crushing their competition and their profits have skyrocketed. Wal-Mart is struggling to catch up, so is Target and all the others. And an online company named aliexpress will likely take them all out.

Within 5 years Malls will be a thing of the past.

This is the new economy, and you need to become part of it. Here’s how you start.

You learn how to start your own online business and make money promoting affiliate products and services. It will be slow at first but as your skills improve, so will your profits until you have an additional income stream profitable enough for you to easily survive losing your job.

I know it sounds difficult and you doubt you could do it. But I know from experience that it isn’t difficult, and YOU CAN DO IT!

This is important. You need to start doing this NOW because it takes time to build your brand and have customers get to know and trust you.

Starting an online business is very inexpensive and not at all hard. You don’t have to mortgage your house, sell your car or apply for an SBA loan.

This is what you need to do. Click on this WEBSITEand watch the short video. In it you will see how setting up an online business only requires cut and paste skills, which business types generate a steady income and how to position your online business so customers can find you.

I know it works because I did what I am suggesting you do now and I have not needed a day job since 2012.

But what is this going to cost me? you ask.

Here’s the deal and it’s a very straightforward one.

When you go to this WEBSITE you will learn from experienced professionals exactly how its done in a short an easy to follow video. Once you watch the video you will have the option of becoming a member.

As a member, you will learn everything you need to know to start a successful online business. They even have software that analyzes your completed website and advises you how to monetize it for additional profits. And its done at your convenience. You can go back and review any of the material as much as you want whenever you want. There is no time limits or tests. Most finish the course before the ninety days are up but remain members because they are always looking to improve and generate more income.

As for the price, it is $29.95 a month. That gives you full access to all the instruction, all the software and all the special attention from instructors, who will guide you to success.

Here’s the most important part.

If at any time during the first 90 days, you decide this isn’t for you, they will refund all your monthly payments. To learn more Click Here

Here’s what to base your decision on:

Is it beneficial to you to know how to start a successful online business in case your present position is eliminated?

Can you afford the monthly $29.95? I was with them for six months before I struck out on my own. And it was worth every penny. Remember you can quit at any time, (but you only get your money back if you inform them of your decision to leave before the 90 days are up.)

Are you willing to watch the short video in order to see if what they offer is for you?

If you’re concerned about your day job and would like to have your own business that generates income on a regular basis, then you should look into this offer. I did and it changed my life.

An Honest Review of the Black Panther Movie

An Honest Review of the Black Panther Movie

I waited to see it because I was concerned that it would be a bash the evil white man extravaganza like Avatar and I swore I would never watch one of those again.

When it became apparent that Black Panther wasn’t one, I decided to put my money where my mouth was and give it a look.

I’ll admit there was a bit of culture shock in the beginning. It’s a real African based movie, with African dancing, music, and clothing (to some extent) which is fine as long as they get to the story amid the cultural unfurling.

As with all origin stories, it’s a little slow at first because you must bring the viewer up to speed as to the who, what, when, where, and whys. And that’s done at a reasonable clip

But here’s where I have a problem (there are possible spoilers ahead so if you haven’t already seen it…) It’s what I call the Popeye syndrome.

It’s where the hero is getting the tar beat out of him and would likely die from his wounds, when all of a sudden, the villain mentions the hero’s girlfriend, and remarkably, the hero springs back to life and beats the bad guy ala the original Spiderman movie with Toby Mcguire. And in every Popeye cartoon ever made.  

One of the reasons I was convinced to see Black Panther is because all the reviews said how remarkable it was, how different, how groundbreaking.

It’s not.

 It’s a very good action movie with a talented cast and a good script. The pacing is sharp, the scenery often breath-taking, and the tech eye-catching. It is different in the fact that it presents Wakanda as a country with an advanced culture hidden in central Africa. The men and women are highly educated, courageous, honorable and free.

Overall a very positive portrayal of black people. Even the bad guys turn out to be men of honor and the women courageous and true.

As for the Black Panther, as an action hero, he certainly holds his own. And in the Marvel tradition, the movie has a few laughs amid the adventure.

The one draw-back was the Knight-of-old personality of T’Challa, the story’s hero. 

He’s a man who must do his duty, be strong, valiant, true and forthright. And he does! But we never get to really know the guy. Not once does he show human failings. And that paints him as a little too regal.

I rate it a B+ and if you’re a fan of Marvel movies you won’t be disappointed.

Ignore all the white liberal nonsense about this movie being the groundbreaking extravaganza and the best Marvel movie to date. It isn’t. The Avengers movie was and still is.

Good job though. The Black Panther has certainly earned his way into Marvel’s A-list heroes.