DNotesEDU Blog

NEWS AND INFO FROM THE DNOTESEDU TEAM

DNotes CRISP vs Traditional Savings Accounts

According to the publicly avaialable data on MyBankTracker, the average interest rate banks give Americans on their savings is a dismal 0.32%. Meanwhile the DNotes Cryptocurrency Investment Savings Plan offers 6% annual interest, which compounds...

read more

Give Up Your Vices & Take Up DNotes

I smoke the occasional cigar, have a beer every once in a while, and you couldn't pry the coffee cup out of my cold dead hand. But I will be the first to warn you that these vices can add up to tremendous costs over time, and can seriously limit your...

read more

Did the Knights Templar Invent Cryptocurrency Almost A Thousand Years Before Bitcoin Existed?

It is a common misconception that Bitcoin was the first cryptocurrency in existence. To prove this untrue, all you need to do is look back 20 years to 1997. Hashcash was a concept invented by Adam Back as a way to combat DDoS and spam email, using the same...

If Cryptocurrency Confuses you… Start Here

We were all new once, and anyone that tells you it wasn’t at least somewhat confusing at first, is probably lying. Contrary to what you may have heard, you do not need a background in technology to get involved. You also don’t need any money to get started...

Introduction to Retirement Plans

Employer Sponsored Pension Plans A lot of people are counting on their workplace pensions to make up the majority of their retirement funding. The most common employer sponsored pensions will fall into one of the following two categories. ⦁ A defined benefit means you...

Risk Reduction Strategies in Cryptocurrency Investing: Part 4 – Dollar Cost Averaging

If there is one thing that panics new investors in cryptocurrency, it is the wild swings in price. Since most people enter the market when it has risen substantially, they are often unprepared for the stomach turning drop in price that usually comes after...

Making DNotes Accessible To All (Giveaway)

In the spirit of DNotes Global Inc's push toward digital currency mass adoption, DNotesEDU is making a concerted effort to get DNotes into the hands of the people. DNotesEDU is giving away 100 DNotes to 100 people, and multiple entrants will also receive...

Low Cost Living As An Alternative To A Big Paycheck

In the long run it doesn't necessarily matter whether or not you earn a huge paycheck if you gear yourself toward financial success early on and maintain a steady course. Minimizing your personal expenses is the best way to ensure financial success. If you...

Investment Allocation by Risk Level

When most people think of investment risk, they may naturally think of the ones with a level of high risk only. All investments involve risk! The greatest risk of so called ‘safe’ investments, is their loss of value due to inflation. Let’s say you found a...

How to Recover a Deleted Cryptocurrency Wallet

Have you ever accidentally deleted your worthless cryptocurrency wallet, only to realize that years after you deleted it, the value soared? Well you aren't alone, and here is a guide that actually gives you a chance of recovering deleted wallet.dat files. If you...

LendEDU.com – The Physical & Social Impact of Credit Card Debt

Originally Published on LendEDU.com A recent report found that U.S. consumers have hit a seven-year high in overdue credit card payments. Borrowers are now distressed on $11.9 billion in credit card debt. It's not exactly breaking news that Americans enjoy...

Risk Reduction Strategies in Cryptocurrency Investing: Part 5 – Security Precautions

Moving to a world of mobile payments, digital currencies, and online storage of wealth, can put anyone on a path to financial ruin if they don't take adequate security measures. The rapid growth in cryptocurrencies like Bitcoin has resulted in an explosion...

Establishing Goals and Priorities When Planning your Financial Future

It’s Your Money… It’s your money, and you can spend it on anything you want. You do however, need to decide if what you are spending it on is more important to you than other potential priorities, some you may not have even thought of. Think of financial...

Investment Fraud & Schemes

It may seem like the obvious target of investment scams would be seniors and those without investment knowledge. The truth is however, that no one is immune to investment fraud, as witnessed by the number of wealthy and educated investors that believed in...

Compound Interest – Your Best Friend and Your Worst Enemy

Compounding interest is so important to your financial well being, it is one of the four concepts used to determine a person’s level of financial literacy in the S&P Global FinLit Survey. Only 45% of people globally (55% in advanced economies) could answer...

Where Can You Find Emergency Financial Assistance in the United States?

Emergencies arrive with very little warning, and it is often their suddenness that makes them so stressful. Without warning or any time to prepare (and in some cases prevent), you may find yourself in an unbearably stressful situation. A job loss, medical...

DNOTES 2.0 – Alpha Pre Release Now Available

Originally Posted on Bitcointalk Download the DNotes 2.0 pre-alpha windows build and source code: https://github.com/DNotesCoin/DNotes2.0/releases/tag/v2.0.0.0-pre Release Notes DNotes 2.0 Pre-Release Alpha This pre-release is an open alpha for individuals...

Next-Gen Investing

It is becoming increasingly more difficult to classify investments into a particular type as the lines are beginning to blur between those we associate with being traditional, and those that were considered alternative. Once stodgy pension funds may now be...

The Art of Saving

April is Financial Literacy Month in the United States, and may be a much more sobering time than New Years to make a successful financial resolution. Since it is the frequent and regular repetition of saving the same amount that will feel the...

Cryptocurrency Education Week

As part of Financial Literacy Month in the United States, DNotesEDU will be hosting Cryptocurrency Education Week from April 8th - 14th, 2018.   The goal is to raise awareness of the need for free, accurate, and unbiased introductory educational material...

Why Coin Age Matters in Cryptocurrency

When most people hear about the 1600 cryptocurrencies and ICO tokens listed on CoinMarketCap, they assume that number includes every one ever launched. This assumption may come after they scroll down to the end and notice hundreds that have no marketcap...

How The Easter Bunny Found Bitcoin

On March 23, 2008, Edward Bunny, a.k.a. the Easter Bunny, made a delivery that would change his life forever. A staunch traditionalist and dedicated professional, he was going to do something that morning that was so out of character, it was unbelievable...

Fraud Prevention – Falling for the Big Win

A phone call or email arrives with the news you have won the lottery, a trip, a contest, or some other prize - wow! The problem is, if you never bought a ticket or entered a draw for this windfall, it is likely a scam. The fraud is confirmed as soon as...

Online Security and Fraud Protection

Digital currencies, sometimes explained as "internet money", has brought an urgency for network security that few may be prepared for. Since everything done today that involves money, is at some point online and at risk, DNotesEDU has included a security...

Investment Fraud & Schemes

It may seem like the obvious target of investment scams would be seniors and those without investment knowledge. The truth is however, that no one is immune to investment fraud, as witnessed by the number of wealthy and educated investors that believed in...

Fraud Prevention – Scamming the Sick

Targeting those that are already suffering with various health issues is absolutely shameful, even for a criminal. A desperation to feel better or look better can lure people into falling for so-called miracle cures, effortless weight loss, and all sorts...

Your Financial Reputation

The terms credit score and credit rating are tossed around so much, they may be losing their effectiveness. Does the statement "You have a bad financial reputation" get the point across a little better? What does it all mean? Having a good financial reputation may not...

Introduction to Retirement Plans

Employer Sponsored Pension Plans A lot of people are counting on their workplace pensions to make up the majority of their retirement funding. The most common employer sponsored pensions will fall into one of the following two categories. ⦁ A defined benefit means you...

The Hunt for Your Data

For many of us our job or business requires us to be online, whereas for others it is simply a social ‘fix’, but we all have one thing in common. Our personal and financial data is online and at risk if we don’t follow strict security practises. Even the...

How to Choose a Cryptocurrency Exchange?

Not all exchanges are created equal. Some only list bitcoin and possibly a few other cryptocurrencies, while others may have over a hundred listings. There are exchanges that allow you to fund your account (often meaning to buy bitcoin first) using one or...

Free Cryptocurrency Trading Simulator

There is a lot to learn just covering the basics of cryptocurrency and how to buy your first bitcoin. Even though you may have told yourself you can handle the risk and volatility, when you finally attempt trading cryptocurrency on an exchange, your...

What are Bitcoin Futures?

In case you thought the whole concept of bitcoin was already too difficult to grasp for the average person, it is about to make friends with traditional financial products that very few people understand. Cboe Global Markets will be launching bitcoin futures trading...

Is The Bank Of Canada Holding Your Bank Account?

If you have a bank account that has seen no activity in the last ten years, it may be in the possession of the Bank of Canada (BoC). This also applies to other Canadian dollar financial instruments issued by a regulated bank or trust company, including term deposits,...

Programmed to Spend

April is Financial Literacy Month in the United States, and since its inception in 2004, it has raised public awareness and focused attention on the need for, and current lack of, financial education. While most of this is directed at students, there is a dire need...