Topic: [ANN][NOTE]DNotes - Celebrating DNotes 3rd Birthday - Forum Now Open - page 350. (Read 814544 times)

"I Agree" button:

RJF, is the following what you have in mind? If it is, feel free to edit or make any changes. Just trying to help getting to the goal line.
 
"I agree that my current and future deposits made to this account will be locked and not available for withdrawal for duration or length of time I selected. I understand that any request for hardship withdrawal will be considered on a case by case basis."

1. "Depositors are reminded that compliance with all existing and future laws governing financial instruments, reporting, paying of taxes or fees and digital currency regulation is the express responsibility of the depositor."

You are right.  It is an all encompassing statement that protects DNotes regardless of the circumstances.  My mind is always doing the "what if" - leftover damage from a previous life!  

"Head Cook and (baby) Bottle Washer" - been there, done that...  

4. CR.I.S.P. for Retirement Director, RJF   2 votes

Just don't delete "wallet.dat" if you had any coins in a prior version or, prior installation. If you did have coins, back up wallet.dat before proceeding with any upgrades or changes.

Hi manfred87,

Everything looks good, you have connection, you are downloading blocks, the version looks right, I would restart the client and give it a couple hours (I think about 4 hours is typical now, depending on your machine). If you have already given it some time, the only thing you can do is delete the blk*.dat files from your data directory and start re-downloading the blockchain, the client can get stuck sometimes or hooked onto a bad connection, you may even want to delete your peers.dat.

Great. "Head CooK" that was me for a few years. "Bottle Washer" that title might have already taken by some of our non-believers who appeared in the beginning pages of this forum, LOL.

#1 through #3: In agreement. Remember, this is a global offering, U.S. nomenclature such as "income tax" might not be understood in every country. Generic terms such as "fees", "laws", and "regulation" are globally understood. We certainly want to get it right the first time, don't want to change the disclaimer too many times unless specific new laws require that to be done.

#4 I'm good with that, whatever fits the developing structure is fine with me. "Head Cook and Bottle Washer" is OK as long as DNotes continues to prosper.

my client will not download the newest DNotes blockchain.. can you help?

i downloaded newest version from github, deleted my data folders.. i start with "-addnode=n6.dnotescoin.com -addnode=n7.dnotescoin.com -addnode=n4.dnotescoin.com -addnode=n5.dnotescoin.com -addnode=128.199.239.199 -addnode=95.85.44.200 -addnode=162.243.225.90 " but still same error:


coinwarz says there are 493,881 blocks..

1. "Depositors are reminded that compliance with all existing and future laws governing financial instruments, reporting, paying of taxes or fees and digital currency regulation is the express responsibility of the depositor."

Excellent, RJF. I am 100% in agreement with you.

2. "hardship withdrawal form"

Hardship is considered on a case by case basis.

3. At the end of the locked in term, is the entire amount released at once?

No. The only event that occurred is that the account is now unlocked. The account holder can continue  with re-occurring deposits or withdraw DNotes from the account in whole or in parts.

4. CR.I.S.P. for Retirement Director

I love the new title, but that is just 1 vote.

Use case: “According to CR.I.S.P. For Retirement Director, RJF  ………………………………….”

That sounds really good!  I still think that there needs to be a "knock on the head, you may be subject to tax" before you press that withdrawal button.  What if we changed it slightly to emphasize the withdrawal consequences?

"All withdrawals are subject to existing and future laws governing financial instruments.  Reporting, paying of taxes or fees, and digital currency regulation is the express responsibility of the account holder."

Quote from Chase:

 “ DNotes will be the best performing investment of the next decade.”

Just purchased some more "Notes' I have been watching the spread between DNotes and Bitcoin as Bitcoin's price climbs but, DNotes is keeping up, possible outperforming Bitcoin at certain times. It's getting harder and harder to buy them in quantity and I LOVE IT!

Paid 4031 on Poloneix and I had to buy up quite a few sell orders to get what I wanted, very healthy.

Looking good guys...

Excellent. That is what we will do. We are all working as a team. I am certain that everyone will be happy to assist in any way possible. I am very proud of you all and this is what inspires me.

Think of DNotes as a team sport. We are all in this to win the championship. Every project is a championship game. With the right mindset, discipline, hard work and commitment to be the best in class every time, we will emerge as the champions. Undoubtedly, the valuation for the championship team is always higher than the other teams. This is one more reason why we believe that Chase will be proven to be correct.

Quote from Chase:
January 25, 2015

 “ DNotes will be the best performing investment of the next decade.”

I agree in concept but, I think we should stay away from specifics. Instead of "income tax" and other specific terms, perhaps that disclaimer should read something like this:

"Depositors are reminded that compliance with all existing and future laws governing financial instruments, reporting, paying of taxes or fees and digital currency regulation is the express responsibility of the depositor."
 

First draft....

            CR.I.S.P. For Retirement
 

Helping to secure YOUR future in an uncertain financial world

“Will you have the resources to enjoy your retirement or, will you still be working until you can no longer do so? In these uncertain financial times, it is becoming more and more difficult to maintain a retirement account that will actually see you through your golden years. DNotes believes that we can help. Please read the information presented here for more on the concept of using DNotes to augment your retirement savings. RJF”

CR.I.S.P. for Retirement  has been created to augment the resources needed to help see us through our retirement years. This is an unstructured and self-directed plan, using DNotes as the investment vehicle. Re-occurring savings, in any amount, may be added at any time.
 
CR.I.S.P. is the brain-child of Chase, a core team member of CryptoMoms; a community with a dedicated mission to encourage and assist women to participate in the cryptocurrency world currently dominated by men. CryptoMoms.com is a currency neutral site, offering rich content on everything one needs to know about cryptocurrency. It has a very helpful community ready to answer any questions promptly. CryptoMoms was created by, and is fully funded by, the DNotes team.
 
As the most stable digital currency with a solid track record of reliable appreciation, DNotes offers the potential of high returns on long-term investment. A large family of CR.I.S.Ps. will be offered in an effort to expand this investment opportunity beyond the early adopters of this emerging industry.
 
CryptoMoms and the DNotes team are dedicated to help anyone interested in starting a CR.I.S.P. for any child. In order to encourage and reward the children for developing strong saving habits, the DNotes team will award prizes, in DNotes, for the top wallets on the list, as well as some randomly chosen participants, during the first two formative years. We have created a CR.I.S.P. for Kids Rich List that displays, in descending order, the balances in the children’s wallets.  Each child will be identified only by a nickname / username.

 
Text…

Everything looks great.

I really like the wording "hardship withdrawal form".  It's compassionate but also let's them know withdrawing should only be for a serious emergency.  If they withdraw early, do they forfeit their bonus?

At the end of the locked in term, is the entire amount released at once?  If it is, I'm sure by then regulations will be in order that it could be rolled over tax free into some sort of registered retirement income fund.  I'm not sure what you have on the withdrawal hardship page, but maybe it should include that income tax is payable on all capital gains in countries that have that law??

Dyna's question about a quote from our project leader (RJF) - "Is their another title we should use?"  If you are meaning another title for project leader, then I say yes.  Director of CR.I.S.P. For Retirement / CR.I.S.P. for Retirement Director, or something similar sounds very professional.

I can handle 1 and 3, I think 2 and 4 are best left up to the core team.

     Being simple and easy to understand is key. We have to all need to keep in mind just how complicated the crypto-world is. It still amazes me just how little newbies know about crypto, and just how hard the concepts are to grasp for most of them.

     We can (and will) add additonal features when the timing is right.

Smokey

Great point. We can come up with something that is very simple and straightforward.

Remaining key issues: 1) Draft copy for the landing page (I already posted some guidiance earlier) 2) Press Release, 3) Should we include a quote from our project leader. Is there another title we should use? 4) Pre marketing before launch. Launch date is scheduled for the week of February 16, 2015. I can do as much or as little as needed.  RJF should make the call on this one.

Gotta leave a Vault address or your e-mail that is attached to a vault address

Awesome work, can't wait for release.

RJF, your research questions are doing my head in! I think most of the data you specifically requested doesn't really exist, but I can extrapolate some meaning from all this stuff I'm reading. It  doesn't look like I can answer questions like "average annualised returns on IRA's" (which look pretty decent the last 10 years, but historically have been very poor) because there are so many different plans and nobody seems to have printed any aggregated data.

I'll make a larger post on it later on, but to me, medicare and IRA's are very sneaky / ponzi schemes. Medicare is an insurance service that will not exist for the next generations who will both fund the baby boomers in retirement, and then have to fully fund their own retirement through IRA's and 401k's. Retirement schemes like IRA's are very clever on the governments part. They appear to be used as 'anti-deflation' mechanisms, since 80% of the deposits are invested into stocks and mutual funds, preventing the stock markets from crashing... Of course, the problem with this is that when those deposits 'slow down', you begin to see a slow down in paper asset growth... then *crash*. Governments also love to use retirement funds to fund their own debt when nobody else is willing to lend to them (see Japan for example, they've run out of retirement savings to purchase their own bonds and are due to economically crash any moment).

Did you know it is expected that a retiring couple in 2014 will spend $220,000 on health care in retirement? (17 years for male, 20 for female)

Convincing people to invest in DNotes for stable wealth creation over time will be the easy part, it may be difficult to do WITHOUT being tempted to explain the *potentially* very negative economic outlooks that has put their entire IRA / 401k retirement savings at risk (1/3rd of people near retirement have no savings, and in 2010, the median household retirement account balance for workers aged 55 to 64 was $120,000, which will provide only a trivial supplement to Social Security benefits). A third of households have no retirement savings at all. 75% of Americans nearing retirement age have less than $30,000 in their retirement accounts, which Forbes called "the greatest retirement crisis in American history."

I'm thinking it should be quite clear that we need to just focus on the really positive things DNotes is doing, and if you see fit, call us the potential panacea to the worlds savings problems should the DNotes vision go according to plan.

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Also Chase. It is great to see you bringing forward information from such quality sources like zerohedge.com. I've also seen you quote the dollar vigilante, so that's two ticks of approval for you. Keep it up!

I would like to see an "I Agree" button that verifies the user has read, and agreed to, these specifications. If you don't accept it, you don't go any further. Keeps things civil if there is a problem later on. Of course, the system needs to record this. Other than that, looks like all it needs for now, pretty much what I had envisioned....