Category Archives: Business

Luna Classic: The New Era of Crypto Wealth and Triumph!

By: Jamen Mendes
Medium.com

If you have been paying close attention to the crypto market, you would have noticed that Terra Luna has completely overhauled the entire crypto industry. This single platform and its stunning collapse and triumphant recovery, has given birth to a New Era in Crypto!

Rising from its own ashes as Luna Classic, the token is making the most historical comeback of any Layer 1 platform in crypto history. After falling from $119 to an abysmal price of $0.000,000,999,967, Luna Classic is currently trading at $0.00028+ range.

Just to give you an idea as to the magnitude of this accomplishment: had you invested a $100k in Luna Classic at the bottom price of $0.000,000,999,967, you would have netted a total of $28,000,000 today; a 27,333% return in just 90 days!

This is so stunning of an achievement that it is hard to fathom. No other Layer 1 platform has ever made this level of return; all this, after a complete collapse!

During the past 7 days, Luna Classic has risen over 150%, while Bitcoin has been trending downward, retesting the $19,500 critical support level. Yesterday alone, Luna Classic rose a whopping 53%!

The Luna Classic Narrative

What most analysts have yet to understand is the fact that Luna Classic, unlike most Layer 1 platforms, the likes of Etherium, Polkadot, Cardano, and so on, is not depending on Bitcoin for its gains. It has already depegged from the Bitcoin “herd” mentality and chosen to buck the trend and make its own path in the world!

Luna Classic is rising on its own internal narrative. This narrative is largely influenced by the fact that Luna’s demise was caused by the depegging of its own algorithmic token, UST; and not by the normal crypto or stock market issues such as inflation, rising commodity prices, or tightening monetary policies.

None of these larger economic issues are of any concern to the Lunatics, the global Luna Classic army. Their focus is on reviving the Luna Classic platform and returning it to its rightful place as a Layer 1 ecosystem, which competes with Ethereum, Solana, Cardano, and others.

In order to accomplish this monumental goal, Luna Classic’s volunteer development team, Terra Rebels, have focused on establishing a new platform governance; re-enabling the staking function; and, reducing the outstanding tokens, currently sitting at 6,585 Billion.

Incredibly, all of the above objectives have been accomplished, so far, without a hitch.

A new governance, made of over 74% of the original validators, were voted in on August 26th; staking was re-enabled on the 28th, and the token-reduction tax (1.2% proposed) initiative is scheduled to go live on-chain, September 12th.

Luna Classic vs Ethereum

These are the reasons why Luna Classic is pumping! And, it will continue to pump as the world awakens to the fact that Luna Classic is the only true Layer 1 ecosystem capable of competing with Ethereum and yet priced a whopping 5,972,867% lower!

Like Etherium, Luna Classic is a fully decentralized Layer 1 platform with smart-contract functionality. In fact, it is better! Luna Classic is faster, has a cheaper transaction cost, and was built from the beginning as a Proof-of-State platform. Ethereum is slow, costly, and is still a Proof-Of-Work platform that needs to survive the upcoming “merge” scheduled for mid September.

Certainly, we cannot discount Etherium’s overwhelming dominance in the Crypto sphere! Ninety percent of all decentralized applications (DApps) run on Ethereum. It is the king of the pride when it comes to smart-contract platforms. However, we do have a new cub rising in the grassland to challenge Ethereum hegemony! That blockchain beast is not Cardano, Polkadot, Solana or Layer 2 solutions such as Polygon and Optimism. It is none-other than Luna Classic!

New Crypto Era

We are entering a new Crypto era. Gone is the time when every token had to file in line behind Bitcoin and beg for permission to shine. That’s the old mentality that had us believing that “all cryptos” are the same and Bitcoin is the King!

Luna Classic’s demise and its meteoric rise is breaking the chains that locked all Layer 1 platforms to a Bitcoin-dominance model. Instead, Luna Classic is proving that not all crypto currencies are identical! They are all uniquely designed to solve particular problems, which will never be tackled by Bitcoin, and, thus, should be analyzed and priced accordingly.

Ethereum, in particular, has always been negatively affected by this lazy mentality on the part of the investors to study and appreciate the unique solutions it has and continues to solve within the Crypto sphere. But, that is a story for another article.

Returning to Luna Classic and the theme of this piece.

We have been ushered into a new phase of the Crypto economy by the collapse of Terra Luna and its Phoenix-like rise from the ashes as Luna Classic. Gone are the comparative analysis/paralysis of the past that enslaved every crypto ecosystem to Bitcoin!

We’ve entered a new phase — a new Cosmic Age — where all Cryptos are uniquely appreciated for their special gift to humanity in helping us solve the entrenched global poverty created by “fiat” currencies, and liberate the creative potential of every human being!

Luna Classic is leading us into a Golden Age of tremendous abundance and, hopefully, a new awareness that money is not priced in fiat but by the very Life essence, which inherently sustains its dynamic and priceless Value!

And Just to prove my point that Luna Classic is leading its own triumph, let me quickly check on its current price! It is trading at $0.00028, a 100% rise over the last 24 hours, while Bitcoin has again dipped to $19,950!

Current Luna Classic Stats by CoinMarketCap:

Market Cap

$1,950,579,247

82.37%

Fully Diluted Market Cap

$2,045,562,524

82.35%

Volume 24h

$1,616,624,400

398.16%

Circulating Supply

6,585.55B LUNC

Disclosure:

In compliance with the financial disclosure requirements, I must inform you that I am not an investment advisor. This article is for information only. Do your own research. Furthermore, I own Luna, including units which I purchased before and after the UST/USD depeg.

7 Cryptocurrencies Under $2 That Could Be The Next Bitcoin

By Mark R. Hake, CFA May 10, 2021

Bitcoin (CCC:BTC-USD) has moved up so far, so fast that anyone starting to invest in cryptocurrencies is more or less forced to look at alternative plays. As of Friday May 7, BTC-USD was trading at $57,732, up 99.3% from $28,972 on Dec. 31, 2020. Many investors are considering other cryptocurrencies that might offer better upside and a cheaper absolute price.

This article discusses 7 of the top 20 largest cryptocurrencies to consider investing in beyond Bitcoin and Ethereum (CCC:ETH-USD), the second-largest cryptocurrency. ETH-USD was at $3,535 as of Friday, May 7, and is up 384% from $730.37 as of Dec. 31, 2021.

We’ll look for altcoins that have lower absolute prices than these top two cryptocurrencies. These alternative picks might provide the same meteoric upside both Bitcoin and Ethereum have had over their lifespan.

Each of these cryptocurrencies trades below $2. That means for $2,000 you can buy up to 1,000 coins or tokens. So if they ever trade above $100, like Litecoin (CCC:LTC-USD), currently at $351, or Filecoin (CCC:FIL-USD), at $150.67, investors can make a lot of money.

  • Dogecoin (CCC:DOGE-USD)
  • Ripple (CCC:XRP-USD)
  • Cardano (CCC:ADA-USD)
  • VeChain (CCC:VET-USD)
  • Stellar Lumens (CCC:XLM-USD)
  • Tron (CCC:TRX-USD)
  • BitTorrent (CCC:BTT-USD)

Let’s dive in and look at these cryptocurrencies

Dogecoin (DOGE-USD)

Price: $0.4574

Market Capitalization: $59.3 billion

Dogecoin was originally created as a joke to mimic the rise of Bitcoin, but it has since taken on a life of its own. I wrote about its phenomenal rise recently in InvestorPlace, and about those saying the joke is over.

Moreover, Dogecoin has a slightly inflationary token supply structure. This is because the token issues just 5 billion new Dogecoin each year. With a present total of 128 billion Dogecoin, that means the average annual increase is 3.90%. But each year this percentage increase declines as the base denominator rises.

This token supply structure may actually make Dogecoin a useful cryptocurrency for payments in the real economy, as I wrote in my Feb. 8 article. The reason is that economies need a slight bit of inflation, which helps account for both the velocity of spending as well as price increases.

It also discourages people from hoarding the currency, even though it rises in value. Since most large economies grow at an average clip of 3% or better over the long run, the greater-than-3% growth in cryptocurrency supply helps accommodate this growth.

Therefore, look for Dogecoin to take on more than just a cult following over the next year or so. I suspect it has a good chance of crossing $100 billion in market value, making it the third-largest cryptocurrency after Ethereum.

For example, if it were to hit $1 per Dogecoin, it would have risen nearly 120% from current prices, giving it a market cap just under $130 billion. That’s still a far cry from Ethereum’s $409 billion market valuation. So there seems to be an upward limit to how high this coin could fly.

Both Robinhood and Webull offer the ability to buy Dogecoin. I suspect that this has also played a huge part in Dogecoin’s rise. However, you still cannot do so on Coinbase (NASDAQ:COIN).

Ripple (XRP-USD)

Price: $1.43

Market Cap: $50.3 Billion

Ripple, created in 2012, is tainted by lawsuits from both the SEC and private investors. In January, Coinbase delisted Ripple from its exchange. However, some other exchanges still allow trading in Ripple.

If you are willing to overlook the SEC issues (numerous and described in my recent article), Ripple might eventually succeed. Ripple wants to be a real-time payment settlement system with no chargebacks. The problem is there are a number of other cryptocurrencies in this space as well.

You can tell that I am somewhat lukewarm about Ripple’s prospects. Nevertheless, the currency has been rising, despite its troubles. For example, XRP-USD closed out 2020 at $0.2324. As of May 10, it was at $1.43. This means it has risen 515% so far this year.

I suspect that there is a good chance, given its speculative fever, Ripple token could cross the $100 billion mark. That gives it another 98.8% potential gain.

Cardano (ADA-USD)

Price: $1.68

Market Cap: $53.6 Billion

Cardano is a platform with a different blockchain validation system than Bitcoin or Ethereum. Those blockchains use mining and a proof-of-work reward system for miners. Cardano’s system, called Ouroboros, is based on a proof-of-stake validation.

Anyone can stake his Cardano to validate a blockchain set and get rewarded for this. This uses significantly less electricity than cryptomining. Even Ethereum is going to transition to this system within the next year. Cardano is already there and is currently the largest proof-of-stake validation blockchain and crypto in operation.

ADA coins can also be used for peer-to-peer settlement in payment transactions. The platform also enables smart contracts and applications that can run on its platform. However, the company that founded Cardano, IOHK, sets the rules for the platform and has funded its growth. To date, there have not been many large companies that use its platform.

Don’t expect Cardano to dramatically rise from here, given its huge market cap already. However, as adoption picks up over time, the token could rise in value.

VeChain (VET-USD)

Price: $0.21

Market Cap: $13.3 Billion

I have written bout VeChain and its supply chain and logistics focused blockchain platform. In fact, a number of large enterprises are now using VeChain, to track their inventory.

One such company based in Norway, DNV, tracks commercial cargo vessels and their cargo items. According to Seeking Alpha, it was an early adopter of blockchain technology to track this inventory.

VeChain is also unique in that it pays a dividend of sorts called VeThor (CCC:VTHO-USD) to VET token holders. In my previous article, I estimated that the dividend rate is a little over 1.3%.

This makes VET-USD a truly unique blockchain and cryptocurrency. The VeThor cryptocurrency trades separately and is also worth your consideration.

Stellar Lumens (XLM-USD)

Price: $0.67

Market Cap: $15.46 Billion

Stellar Lumens is a blockchain protocol for payments systems. It wants to ease money transfers around the world. In 2017 Stellar Lumens started working with the government of Ukraine. They are in discussions to develop a national digital currency. This will be a signature event for Stellar Lumens if this gets off the ground.

In its essence, Stellar is an open-source protocol for exchanging money or tokens, according to Wikipedia. It was founded by Jed McCaleb, who founded Mt. Gox and was a co-founder of Ripple.

Ripple’s success will depend on how well its payment system platform will be adopted around the world. So far, it has limited success. It may take longer than most people may want to wait for the Stellar Lumens platform to be adopted by national governments and enterprises.

Tron (TRX-USD)

Price: $0.128

Market Cap: $9.1 Billion

Tron is an operating system based on a blockchain with an independent peer-to-peer network. The Tron Foundation originally raised $70 million in an initial coin offering in China. Since then the TRX-USD crypto, called Tronix, has risen to nearly $10 billion in market value.

Wikipedia reports that the Tron crypto had a controversial background, including charges of plagiarism and certain other charges. The Tron Foundation resisted these accusations and tweaked its modus operandi by acquiring BitTorrent, the biggest peer-to-peer file-sharing network.

Justin Sun founded Tron and is now also the CEO of BitTorrent. According to Coindesk, he sees Tron as a viable competitor to Ethereum. That could be one major reason why Tron has done well this year.

Tron ended 2020 at 2.69 cents. At 12.8 cents today it is up 376% year-to-date. Look for TRX-USD to continue to do well as it gains acceptance.

BitTorrent (BTT-USD)

Price: $0.00637

Market Cap: $4.2 Billion

BitTorrent is a peer-to-peer file-share platform founded by Bram Cohen and later sold to Tron (see above). The platform seeks to enhance users’ ability to distribute and data and large electronic files using a decentralized protocol.

Initially, the protocol was used to allow illegal downloads of pirated movies and other media on a decentralized basis. Later, after receiving private equity funding, BitTorrent cut deals with the largest seven movie studios to rid itself of illegal copyright issues.

Recently BitTorrent has received licenses from a number of these film studios to distribute their content. This makes its cryptocurrency quite valuable.

Although this currency is not in the top 20, I wanted to include it since I think it has substantial ability to appreciate over the next year. This is because its platform solves real-world issues relating to large file sharing.

Since selling BitTorrent to Tron, founder Bram Cohen has gone on to found a new cryptocurrency Chia (CCC:XCH-USD). Its goal is to make it easier for people to use unused space on their computers to mine cryptocurrencies and make money.

Recently BitTorrent was added to a new exchange, Poliniex, allowing it to be staked by validators. This exchange is also owned by investors that include Justin Sun, who bought BitTorrent in 2018. Some speculate this could account for its recent uptick. Look for BitTorrent to continue to do well as its adoption rate grows.

These 7 cryptos (really eight when you include VTHO-USD) all have prices below $20 but are among the top 20 largest cryptocurrencies by market capitalization. This implies a significant level of acceptance; these are not fledgling cryptocurrencies just getting off the ground.

The theory here is that one can buy a large number of shares, given the low prices, and given that the market caps are not yet mature. A mix of investments in all or some of these digital cryptocurrencies will certainly do well over time.

On the date of publication, Mark R. Hake held a long position in Bitcoin, Ethereum, BitTorrent and Dogecoin. He did not hold a long or short position in any of the other securities mentioned in this article.

Mark Hake writes about personal finance on mrhake.medium.com and runs the Total Yield Value Guide

WILL THE REAL SHIBA INU PLEASE STAND UP?

Last month I was fixated on the meme coin Doge as it seems to be hitting a lot of headlines due to Elon Musk flirting with it and even accepting Doge as payments for Tesla and proposing to launch a Doge-1 satellite to moon. Elon Musk is trolling with Doge and this meme coin is riding on celebrity ratings.

But the Saturday Night Live which was hosted last week by Elon Musk also seen the rise of another meme coin. Shiba Inu, which is nicknamed the Dogecoin Killer rose from the ashes and has been breaking crypto exchanges the last few days.

I’d like to discuss the similarities and difference between these two meme coins to ensure crypto buyers know what they get themselves into.

SIMILARITIES
1. Both are meme coins
2. Both are tokens
3. Both feature the same Shiba Inu dog in their logo
4. Both wants to go to the moon

DIFFERENCES
1. Doge has infinite supply whilst Shiba has limited supply
2. Doge is built on Bitcoin Blockchain whilst Shiba is built on Ethereum Blockchain
3. Doge has a centralized system whilst Shiba is completely decentralized
4. Doge is inflationary whilst Shiba is deflationary
5. Doge has no ecosystem whilst Shiba is building an ecosystem
6. Doge will be a stable coin whilst Shiba wont be a stable coin

SHIBA INU COIN: VALUE AND MARKET CAP EXPLAINED

The value of Shiba Inu today (12th May 2021) has been fluctuating between a 24 hour low of $0.00001260 and a high of $0.00003137, at the time of writing.

While Dogecoin has been on a steady incline since the beginning of 2021. The currency has yet to hit the $1. As it stands Dogecoin has hit an all-time high of $0.74 and has dropped back to about $0.50

The current market cap for Shiba Inu (SHIB) is $11.7 billion at the time of writing whereas, for Dogecoin the market cap for the currency is $67.24 Billion, which is a slight dip from where Forbes had placed it in early May 2021, at $69 Billion.

Dogecoin place as the fourth most popular currency on the market has not yet changed, as it sits behind Bitcoin, Ethereum and Binance Coin. Whereas, its up and coming competitor Shiba Inu coin has ranked within the top 20 cryptocurrencies on CoinMarketCap. You can see the value of cryptocurrencies on trading sites such as Coindesk, which shows the real-time value of cryptocurrencies.

INVESTING IN CRYPTO IS A RISK
As many know, investing in cryptocurrency is taking a risk as the market can be extremely volatile. There is also no guarantee that you can convert crypto assets back into cash, as it may depend on the demand and supply in the existing market. Coins can also be “burned” at any moment, diminishing a large supply.


Doge to the Moon

The lockdown around the World is causing investors to do more online trading as a hobby and this is causing the spike in the price of a ‘joke’ in cryptocurrency! DogeCoin

Dogecoin is a cryptocurrency, a form of digital money that, much like bitcoin, enables peer-to-peer transactions across a decentralized network. One important difference: bitcoin is the original blockchain proof-of-concept. Bitcoin is ground-breaking. Bitcoin is (some believe) world-changing tech with the potential to transform how money works in the 21st century.

Jackson Palmer, an Australian started this craze when he was at a Nascar Race in California and saw this Car with a picture of a Shibu Dog on the bonnet. It was meant to be a MEME! DOGECOIN – Digital Currency and the light bulbs went off!



Palmer registered dogecoin.com domain name and decides to tweet and reach out to anyone who was interested. Billy Markus was interested, and he saw that Bitcoin source code was open source and he decided to take a break from his video games and literally wrote the cryptocurrency code just for ‘sillies’ as some would say.

It too Markus 3 hours to just write the DogeCoin Cryptocurrency code. Why was it so easy? It was a CONTROL+F BITCOIN and replaced Bitcoin with Dogecoin. Of course, there was some changes to few elements like Markus created 100 Billion Dogecoin where as Bitcoin only has 21 million. Oh! and the change in fonts too!

But the doge didn’t hit stardom as there wasn’t any miners and also there was no use of it. It wasn’t even listed in Coinbase or other trading platforms until late 2020 when Elon Musk tweet about ‘Doge to the Moon’. Musk tweets has driven the price of Doge up and it has risen over 6000%



1st January 2021 – Doge was trading at $0.00461 with a market capitalization of $726 million
1st April 2021 – Doge was trading at $0.0536 with a market capitalization of $7billion and today
19th April 2021 – Doge is trading at $0.33 with a market capitalization of $42 billion

I suspect that Doge would hit $1 by the end of the month if the same craze still holds. There are predictions it will fly to $10 once it hits $1.


If you are bored….. try invest into DogeCoin and hold for at least several months.

https://www.coindesk.com/price/dogecoin

Corona Virus and 5G – is there a connection?

One cannot help but ask the obvious questions regarding the connection between the 5G and outbreak of Covid-19 around the world. It is so coincidental that the impact of Covid-19 will increase the demand for connectivity and thus drive the need for 5G.

Convid-19 has force the entire world to rely heavily on technology. There has been increase longer conference calls; increase in demand for broadband and more importantly increase in demand for mobile connectivity.

“Isolation” is the new buzzword and brought to you by 5G!

 I have tried to look at articles connecting Corona Virus and 5G and stumbled about this website. I will copy & paste the article for ease of my readers.

——-COPY & PASTE— FROM –https://magdahavas.com/corona-virus-and-5g-is-there-a-connection/

Corona Virus and 5G – is there a connection?

March 21, 2020.  Several people have asked me the question that is circulating among EMF experts, “Is there a connection between the outbreak of the CoVid-19 and deployment of 5G networks around the world?”

I have been following the conversations regarding this and my opinion is as follows:

1.  Immune System Impairment

The best scientific evidence we have is that exposure to electrosmog (non-ionizing radiation from power frequencies to microwaves) impairs the immune system.  This is well documented in the scientific literature.  If your immune system is compromised because of electrosmog or because of certain medications you are taking or because you are elderly or very young you are likely to have a more severe and/or prolonged response to CoVId-19.  Dr. Joel Moskowitz has a blog on his website, Research on the Effects of Wireless Radiation Exposure on the Immune System, that I recommend you read. Here is the abstract from one publication by Dr. Stanislaw Szmigielski.

Szmigielski S. 2013.  Reaction of the immune system to low-level RF/MW exposures. Science of the Total Environment.454-455:393-400. 

Abstract
Radiofrequency (RF) and microwave (MW) radiation have been used in the modern world for many years. The rapidly increasing use of cellular phones in recent years has seen increased interest in relation to the possible health effects of exposure to RF/MW radiation. In 2011 a group of international experts organized by the IARC (International Agency for Research on Cancer in Lyon) concluded that RF/MW radiations should be listed as a possible carcinogen (group 2B) for humans. The incomplete knowledge of RF/MW-related cancer risks has initiated searches for biological indicators sensitive enough to measure the “weak biological influence” of RF/MWs. One of the main candidates is the immune system, which is able to react in a measurable way to discrete environmental stimuli.

In this review, the impacts of weak RF/MW fields, including cell phone radiation, on various immune functions, both in vitro [cell culture studies] and in vivo [live animal studies], are discussed. The bulk of available evidence clearly indicates that various shifts in the number and/or activity of immunocompetent cells [cells that can develop an immune response] are possible, however the results are inconsistent. For example, a number of lymphocyte [small white blood cells especially found in the lymphatic system] functions have been found to be enhanced and weakened within single experiments based on exposure to similar intensities of MW radiation.

Certain premises exist which indicate that, in general, short-term exposure to weak MW radiation may temporarily stimulate certain humoral* or cellular immune functions, while prolonged irradiation inhibits the same functions.

Here is an excellent video on your immune system under a microscope.

2.  Heart Rate Variability

We have evidence that some people have an autonomic nervous system response to microwave radiation.  They have either an irregular heart rate or a rapid heart rate when they are exposed to microwaves.  We have published on this and also provide a youtube video on the research conducted.   This has been known for decades and those working with microwave radiation were recommend to have their heart tested for any abnormalities to ensure their safety.  If the heart becomes irregular it has difficulty pumping enough blood to all body parts and since the blood is what brings oxygen to cells this could lead to anoxia (insufficient oxygen) and make breathing more difficult.

Havas M, Marrongelle J, Pollner B, Kelley E, Rees CRG, and Tully L.  2010. Provocation study using heart rate variability shows microwave radiation from 2.4 GHz cordless phone affects autonomic nervous system.  Non-thermal effects and mechanisms of interaction between electromagnetic fields and living matter Mattioli 1885, 2010: 273-300, ISBN 9788862611664

Abstract

Aim: The effect of pulsed (100 Hz) microwave (MW) radiation on heart rate variability (HRV) was tested in a double blind study. Materials and Methods: Twenty-five subjects in Colorado between the ages of 37 to 79 completed an electrohypersensitivity (EHS) questionnaire. After recording their orthostatic HRV, we did continuous real-time monitoring of HRV in a provocation study, where supine subjects were exposed for 3-minute intervals to radiation gener-ated by a cordless phone at 2.4 GHz or to sham exposure. Results: Question-naire: Based on self-assessments, participants classified themselves as extremely electrically sensitive (24%), moderately (16%), slightly (16%), not sensitive (8%) or with no opinion (36%) about their sensitivity. The top 10 symptoms experienced by those claiming to be sensitive include memory prob-lems, difficulty concentrating, eye problems, sleep disorder, feeling unwell, headache, dizziness, tinnitus, chronic fatigue, and heart palpitations. The five most common objects allegedly causing sensitivity were fluorescent lights, antennas, cell phones, Wi-Fi, and cordless phones. Provocation Experiment: Forty percent of the subjects experienced some changes in their HRV attribut-able to digitally pulsed (100 Hz) MW radiation. For some the response was extreme (tachycardia), for others moderate to mild (changes in sympathetic nervous system and/or parasympathetic nervous system). and for some there was no observable reaction either because of high adaptive capacity or because of systemic neurovegetative exhaustion. Conclusions: Orthostatic HRV combined with provocation testing may provide a diagnostic test for some EHS sufferers when they are exposed to electromagnetic emitting devices. This is the first study that documents immediate and dramatic changes in both Hearth Rate (HR) and HR variability (HRV) associated with MW exposure at levels 18-havas:18-havas 11-10-2010 9:14 Pagina 273 well below (0.5%) federal guidelines in Canada and the United States (1000 microW/cm 2).

Here is another study documenting changes in HRV (heart rate variability) for those exposed to medium frequency EMR.

Bortkiewicz, A,  E Gadzicka, and M Zmysl.  1996. Heart rate variability in workers exposed to medium-frequency electromagnetic fields. Journal of the Autonomic Nervous System 59(3):91-7.

Abstract

This study was undertaken to evaluate the neurovegetative regulation of the heart in workers occupationally exposed to medium frequency (MF) electromagnetic (EM) fields. The subjects were 71 workers of MF broadcast stations, aged 20-68 (mean 47.1) with the duration of work under exposure ranging from 2-40 years and 22 workers of radio link stations, aged 21-65 (mean 46.9) who were not exposed to MF EM fields. The distribution of age and work tenure in both groups did not differ significantly. Heart rate variability (HRV) was analysed basing on 512 normal heart evolutions registered in resting, from the body surface, using the Medea-HRV system. The analysis concerned time-domain and frequency-domain parameters of HRV using fast fourier transformation. Power spectrum in the low (0.05-0.15 Hz) and high (0.15-0.35 Hz) frequency bands (LF and HF, respectively) was determined. Statistically insignificant differences found between exposed and non-exposed groups were found either in time- or in frequency-domain parameters of HRV. No correlation between the power spectrum and the subjects age was noted. Such a relationship, however, could be observed in the control group. In the study group a statistically significant negative correlation was found between the maximum intensity of EM fields and HF power spectrum. Thus it was concluded that occupational exposure to EM fields brings about impairments in the neurovegetative regulation of the cardiovascular function.

3.  Blood Rouleau Formation

We have evidence that some individuals develop rouleau  of their red blood cells.  In other words, their red blood cells instead of repelling each other begin to stick together making the blood more viscous. This could impede oxygen delivery to cells making breathing more laboured.  We have published on this as well.

Here is a youtube video “Dr. Magda Havas’ Live Blood & Electrosmog”.

Havas, M.  2013. Radiation from wireless technology affects the blood, the heart, and the autonomic nervous system Reviews on Environmental Health 28(2-3):75-84.

Abstract

Abstract Exposure to electrosmog generated by electric, electronic, and wireless technology is accelerating to the point that a portion of the population is experiencing adverse reactions when they are exposed. The symptoms of electrohypersensitivity (EHS), best described as rapid aging syndrome, experienced by adults and children resemble symptoms experienced by radar operators in the 1940s to the 1960s and are well described in the literature. An increasingly common response includes clumping (rouleau formation) of the red blood cells, heart palpitations, pain or pressure in the chest accompanied by anxiety, and an upregulation of the sympathetic nervous system coincident with a downregulation of the parasympathetic nervous system typical of the “fight-or-flight” response. Provocation studies presented in this article demonstrate that the response to electrosmog is physiologic and not psychosomatic. Those who experience prolonged and severe EHS may develop psychologic problems as a consequence of their inability to work, their limited ability to travel in our highly technologic environment, and the social stigma that their symptoms are imagined rather than real.

4.  60 GHz and Oxygen Absorption Hypothesis.

Some claim that the CoVic-19  outbreak was more severe in areas that had deployed 5G millimetre waves early and that somehow this radiation is making the virus more infectious or that people are responding to the millimetre waves rather than the virus.  This is a possibility but currently there is no evidence to support this assertion.

 We have evidence that some infectious agents became more virulent following deployment of other parts of the electromagnetic spectrum and an excellent book on this is “The Invisible Rainbow” by Arthur Firstenberg.  This is one of the best books detailing the history and biological effects of electromagnetic pollution.  You can purchase it at Chelsea Green Publishing.

One of the assertions is that 60 GHz frequencies are used in Wuhan Province and on the Princess Cruise Lines and that 60 GHz frequencies are absorbed by oxygen in the atmosphere.  Should someone inhale oxygen that is stimulated by this frequency it will change the vibrational quality of the oxygen molecules and this will not bind as readily to hemoglobin resulting in an oxygen deficit.

We have evidence that oxygen does have an absorption peak at 60 GHz but the other assertions, to my knowledge, remain unsupported by scientific data.  Clearly more research is required.

https://magdahavas.com/wp-content/uploads/2020/03/Screen-Shot-2020-03-21-at-2.12.47-PM-300x233.png

Updated: March 22, 2020

Hunt for Authentic Hand-made Greek Sandals

Are you like me who just doesn’t like to buy gifts for anyone when travelling? If you are…..whats your excuses???

Me….I dont have room in my luggage as I travel light!

Now that doesn’t always settle down with alot of people and most think I am just an ungrateful person and do not like them.

I do make exceptions thou…..and usually make exceptions for friends who are genuine and they usually send me payments for any gifts they want.

Another exception are for friends and family which I probably missed out on Christmas gift or birthday gifts and I feel horrible about that as well.

So this week it was a hunt for a Genuine Hand-made Greek Sandals just to make up for a failed Christmas gift…..yeap….I failed miserable last Christmas.

So had to walk around the whole Island of Naxos in Greece just to find the perfect Sandals. After about an hour of searching I came across this little shop tucked away in a narrow street alley.

Pagonis create high quality handmade leather Greek sandals the past 80 years. The Pagonis family is evolving the craftsmanship of manufacturing the best Greek Sandals

The owners of the firm “PAGONIS” specialize in the art of making leather goods and have been involved in this business, working on the island of Naxos since 1940. The first generation of the family learnt the secrets of leather and shoemaking from their uncles Andrea and Manoli Diasiti, who had a shoemaking workshop in the previous century.

In 1940 the three brothers of the Pagonis family made their own workshop, supplying the Naxos market with handmade shoes, whose notable characteristics were their innovative designs and their unrivalled quality.

In 1950 the family business moved to Athens where a modern shoe and leather goods factory was opened with the name of “ PAGONIS” Bros. The products were on sale in well known Athens shops.

In 1982 the name “PAGONIS” reappeared in Naxos, it’s owners running a successful business with two retail shoe and leather goods shops and a workshop. This new page in the history of the company was initiated by Kostas S. Pagonis, who belong to the second generation of the family.

Our efforts over all these years have been with the aim of continuing the worthy traditions and with the emphasis on maintaining the quality of our products, on offering a wide choice, competitive prices and a personal service. Now, at the beginning of another new century, we have new ideas but also a strong basis from which to keep progressing, aiming always for better promotion, in Greece and worldwide, of the craft which we love and it’s products – Kosta Pagonis

Debt Trap – How loans trap us

The financial crisis is one inseparable part of a person’s life, and it may come in anyone’s life, without any notice. There are situations when the most financially stable person would seek support. Any they come at any time of our lives without notice.

That need for financial support is complemented by a loan, which could be a formal arrangement with the banks, financial institutions or informal money markets with individuals. The loans are either business loans, housing loans and the widely use loans are the personal loans.

When the credit is availed by the banks, other financial agencies and informal money markets for the personal use, it is called Personal Loans. This Personal Loan has come to the rescue of the many people, with the instant availability of funds. These Personal Loans have always been the helping hands during the urgent needs of the people and have solved various unavoidable circumstances in a person’s life.

But at the same time, the Personal Loan has been a cause of worry for many. Even, if the Personal Loans have been the lifesavers many times, they are the ones, which come with some hidden traps too


Informal Debt-Trap

In Papua New Guinea, the desire for fast personal loans to patch the gap before the next payday has forced many people to turn to INFORMAL MONEY MARKETS. The main reason for this is the CONVENIENCE, quick turnaround and the ZERO paperwork that comes with the requests for a loan.

As always, convenience comes with a price, and the price for this informal money market is very high. The interest charge for these loans are usually between 30-60 percent and only for a short period usually within 1-2 weeks.

The formula used for this interest calculation is the SIMPLE FORMULA.
You borrow K1, 000.00 at rate of 40% for 2 weeks; you pay K1, 400.00 at the end of the 2 weeks. If you do not pay at the end of the 2nd week, they charge another 40% on that K1, 400.00 and you end up paying K1, 960.00 after a month.

These informal money markets has sadly been a DEBT-TRAPPED for many Papua New Guineans who were not able to pay their loan when the loan sharks come calling.


Formal Debt-Trap

Then there is the Banks and the Financial Institutions who also offer personal loans aside from housing loans and business loans.

The requirements for personal loans, housing loans and business loans varies from each Bank and financial institutions. However, the calculation of the interest charge is the same across all those different requirements.

I will discuss the Housing Loan and how interest are charge, it is no different to a personal loan and business loan.

Personal loans have higher interest rates, Kina Bank charges about 20% p.a and BSP charges at about 27% per annum.  Home Loans have lower interest rates. Kina Bank Charges 6.5% interest on home loans whilst BSP Bank charges 6%, however BSP has a special of 4% per annum for the First Home Ownership Scheme over a period of 40 years.

Let’s use the FHOS of BSP to do a calculation of K400,000 for period of 40 years at 4% per annum interest

These Banks and financial institutions use COMPOUNDING FORMULA to calculate interest payable and additional charge interest on any outstanding loans which the called CAPITALISATION.  There 2 calculations, the first is for the repayment amount for the duration of the loan and the other is the interest charge on any outstanding loans. The interest is calculated daily and charge monthly.

Formula:

Mortgage Calculation Formula

Calculation:

  • 4% annual interest rate needs to be change into an effective monthly rate. Therefore we divide 4%/12 months = 0.3% effective interest rate
  • Number of repayments would be 40 years multiple by 12 months, therefore 40 x 12 = 480
  • Calculating the Monthly repayment using the formula above gives you K1, 573.64 which is monthly repayment
  • Aside of the fixed repayment, there is also an interest charged for loan outstanding. This interest is calculated daily and charged monthly, this charge is called CAPITALISATION.

A simple spreadsheet of repayment looks like this after calculations are done, it is done using a compounding formula

The BIGGEST TRAP in this Formal Loan is that the loan interest is charged daily and added to the loan amount monthly. This interest on loan increases the loan amount each month, and whilst we pay fixed amount monthly, the repayment would not seem to make any difference as CAPITALISATION costs keeps adding up.

The only way to get out of this formal debt-trap is that you find ways to pay more than then monthly repayment, any lump sum amount or extra repayments would assist in getting out of this, otherwise, it would take more than 40 years to completely pay of your debt.

Advantages of ONLINE Learning

There are several problems with the traditional system of education. First of all, you need to pay thousands per term to attend a prestigious school. With all those budget cuts, busy classrooms, and course shortages, you won’t always get the chance to study exactly what you want.

It’s no wonder why millions of students from all around the world opt for online degree programs or take at least one college course through an online platform. Online learning has to be the greatest revolution in contemporary education. It made a huge change in the system and opened great opportunities for everyone who wants to learn something.

Nevertheless, online education is still related to stereotypes. People often think that online students are not smart enough for a traditional college or university, they are lazy, and they don’t get “real” degrees. These claims discourage many people from taking online courses, so they get stuck in the traditional educational system that consumes a huge deal of money, nerves, and years of their lives.

Allow us to explain why online learning is more awesome than you think. We have 5 advantages of online learning that will make you reconsider your attitude towards this type of education.

1. You can learn whatever you want!

Benefits of working online

You can pick the program of your dreams in traditional education, too, but that would involve traveling away from home, living in a completely unknown city, and struggling in an extremely competitive learning environment. With online education, you can take any program or course present in traditional four-year universities.

For example, let’s say you’re mostly interested in neuroscience. All it takes is a Google search for such online course, and you’ll easily find the online programs offered by some of the most prestigious universities from all around the world. You can take such a course even if you have no aspirations to apply that knowledge in your future profession, but you’re simply curious to discover new interests and understand how the human brain works. The great variety of online programs and courses is a huge advantage of this type of education. It doesn’t matter where you live and what you want to study – you can always find a suitable course or even a degree program that you can follow from home.

2. Comfort.

Forget about attending classes for hours, sitting in an uncomfortable chair, and suffering from back pain by the end of the day. You will not be bound to physical class session when you opt for online education. All lectures and needed materials are provided via online platforms, so you’ll easily access them from the comfort of your home. You will not take public transport to get to campus, you won’t have to spend money on gas for your car, you won’t have to get up early to get dressed for class… the list of conveniences goes on and on.

Studying Anywhere

Comfort is a strong advantage, but it can go both ways. You mustn’t allow yourself to get too comfortable when studying from home, so it would be best to abandon the couch for few hours a day and set up an inspirational studying environment in your home. All you need is a large desk and a nice, comfortable chair.

3. Online courses look great on a resume.

Online Certificate from IBM

It doesn’t matter where your career stands at this moment; an online program will always look good on your resume. It will show potential employers that you’re committed to learning and you’re eager to obtain more knowledge and new skills. Hiring managers don’t see online degrees as inferior to traditional ones. A degree is a degree. If you obtain an online degree from a prestigious university, you’ll boost your career with the speed of light. You will certainly become a better candidate for a job promotion, and your resume will look much better when you apply for new positions.

4. Self-paced learning.

When you start browsing through interesting online courses and programs, you’ll notice the Self-Paced label on most of them. What does this mean? Self-paced learning means that the students can start completing the targets at any time, and he can arrange a learning schedule that meets his individual needs.

When you enroll in a traditional college program, you’ll have to forget about work, hobbies, and even family. In such setting, studying has to be a priority. That’s why many single parents and people who work decide to forget all about their dreams to get a higher degree.

A self-paced system enables them to make progress with rhythm that suits them. This type of system does not require attending live sessions; you can access the materials at any time that works for you. If you have to work or take care of your home and children during the day, you can study at night. That’s an advantage the traditional educational system cannot beat.

5. Lower costs.

The fact that online programs are cheaper when compared to the ones held in a traditional campus setting is enough to convince you to consider them. The average tuition for online courses depends on multiple factors, so it varies from one program to another. If, for example, you want to enroll in the Big Data Specialization program provided by University California, San Diego through Coursera, you’ll pay $399 (K1,000). You also have an option to pay $49 (K110) per course. Financial Aid is available for learners who cannot afford this fee, so that’s something you should always keep in mind.

We saved the best part for last: many online courses are completely free of charge. MIT, for example, offers all course materials online without any charges. Free courses don’t usually come with certificate of completion, but they are still more than useful for anyone who wants to learn from prestigious educators.

Online Education Is Totally Worth The Effort

Online courses and degree programs are more convenient and cheaper than their counterparts in traditional education. Those are the two main advantages of online learning that lead many students to opt for online platforms when they want to earn a degree or certificate.

The best thing about online learning is that you can learn in a relaxed manner even if you don’t want to get certified. You only need passion for learning and a quick online search that will take you to the right course. From that point on, you will be the master of your own education.

By: Stephanie Norman
eLearning

Free Email Address is bad for Business

I have seen so many professional business cards with a gmail address on it and my first instinct is never to take that person seriously!

Maybe it is just my way of filtering the noise but how many companies and business executives do the same thing as me when they look at a business card with a Gmail, Hotmail  or yahoo address?


Most people will say, this is a way of keeping costs down and to use as much free stuff when you starting out in business.

Personally, using the FREE EMAIL risks the following;

  • You missing out on Marketing Opportunities

A perfect way for your Brand to stick at the minds of people is when you use your own business name in an email address. The business sells itself without making an effort.

Using the FREE EMAIL, makes you lose that marketing opportunity!

  • It looks unprofessional

Flashy looking business cards with a gmail, yahoo or even a Hotmail email address just looks unprofessional. As much as someone appears to look and play the play the part, the FREE Email address makes you look like a fake. It is like a Michael Jackson impersonator – everything looks real until they open their voice to SING.

  • Hackers love FREE email account

Free EMAIL account are so easy to hack! A lot of hacks on email happens on gmail, yahoo and Hotmail. Using your own business email makes it harder to be hacked.

  • Can be mistaken for a SPAM

Have you wondered why most of your proposals sent to companies and business never get a reply? Maybe because it was mistaken has a spam and its’ either blocked or sitting in the spam box. Free EMAILS are associated with SPAM and 9/10 your proposal would be considered the same.

It is not hard to get your own domain name. A lot of ISP’s provide that already.

I used to use a google business before when I registered shellnetpng.com but they started charging monthly for every other email account created. I now use ONE.COM, as I can have as many email address under just one domain account name.

If you need your own domain name – hit me up and I can assist you.

DataCo uses O3B satellites

Just over 12 months ago, I was privileged to escort DataCo engineers to Manasseh in US to do a factory acceptance test for an O3B Satellite that DataCo has purchased from O3B Networks.

The satellite was purchased by the Australian Government for DataCo to provide capacity for the APEC Leaders Summit last November 2018.

During the Leaders Summit, O3B were able to deliver up to 8Gbps of capacity and would have delivered more if DataCo had requested.

Can read more about O3B here
https://www.ses.com/press-release/o3b-satellites-roar-space-scaling-sess-meo-constellation

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