Times may be getting … interesting, so I thought it important to begin sharing information (PDF) that I've found, with people I care about. For those of you that may be interested in diversifying your savings options, I wanted to send you some information that has been difficult for people to collect. Perhaps it might be useful to you. (FYI: to become involved in the Holo project, the HOT Ethereum ERC-20 token is available on Uniswap v3 (or v2), and on Binance.

We propose that it is possible to build "Mars Coin" on Holochain (PDF). Now that lunar and interplanetary expansion appears to be a realistic goal, how will cryptocurrency transactions be affected by the communications time between earth, the moon and other planets in our solar system? It takes between 5 and 20 minutes for one-way communications between Mars and Earth (depending on their orbital positions), and 2.4 to 2.7 seconds between Earth and Moon.

Can Global Consensus cryptocurrencies be used as a form of money? Bitcoin, Ethereum, etc. have completely different implementations, but share a common idea – that all transactions in their ledgers are agreed to by all participants, simultaneously; that there is a single, agreed-upon global "state" of the ledger's data at each point in time. This data-centric, distributed global synchronous, simultaneous agreement amongst all blockchain participants differs greatly from how money currently works, and brings with it a number of surprising results.

A secure, distributed method for creating dynamically stable monetary systems, where each unit is defined/created by the ownership of real wealth. After another tragic flirtation with central planning, at the beginning of the 21st century the global "Central Bank fiat money" credit system imploded. PDF Now that the U.S. dollar is in full-on decline as the world's de-facto reserve currency, other governments (such as the Chinese) are lining up to take its place.

A quite mathematically detailed and negative critique of Canadian Universal Life Insurance programs. PDF (original) Why this matters Two General Classes of Fees Up-Front Fees: Well Disclosed… Compounding Fees: Not so much… The Key: The "rule of 72", and ~2%/year Excess Expenses Extra MERs Composite Price versus Total Return Compounding Daily Fees MERs on Professionally Managed Investments The Cost of Losing ~2%/year in Extra Annual MERs If you DIE, the investment is paid out TAX-FREE… Before you die, the investment grows tax-deferred… Your estate will be greater when you die after retirement… You can borrow from your policy, and pay yourself interest… You can take the money out tax free during retirement… Your insurance is less expensive over your lifetime… Conclusion Dear whole-life insurance agents; Disclaimer 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".