Can Global Consensus cryptocurrencies be successfully used as a form of money? PDF (original) Money Just Has to Work Money that won’t buy things isn’t just inconvenient; it is dangerous. Cryptocurrency based money, especially those based on global-consensus cryptocurrencies (basically, all of them) are especially fragile. Only during globally calm, disaster-free idyllic periods of history could they possibly pass as useful money. What Happens When Disaster Strikes The CAP theorem claims: Consistency, Availability or Partition-tolerance – pick any two.

A quite mathematically detailed and negative critique of Canadian Universal Life Insurance programs. PDF (original) Why this matters Here is the math behind why Canadian UL life insurance policies (known as VUL in the United States) do not work effectively as a "tax shelter". It is your responsibility as a financial "professional" to understand these concepts, and to assist owners of such policies to understand them, too!