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“Savings” is a misnomer. It should be called “Hemorrhaging.”

If one takes the top 10 Bank US Banks and averaged their savings interest rates, the result would be .33% APY. In other words, a third of a percent per year. If you invested $10,000, that would net you $33 by the end of the year.

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At the high end of interest rates (0.6%) , by the end of the year you’d net $60.

If you think that’s a lousy interest rate for parking your money, you’d be right.

What if I told you that there was a way to consistently get 1,883% more in interest when compared to the “high” rate of .6%? At the high-end that would be around 11.3% APY. A $10,000 investment by the end of the year would net $1130. …

Did the Carnivore Diet dissolve my Gallstone? An Update…

Back in January 2nd, 2019 I wrote the following:

I was very specific about the title. I didn’t say that the Carnivore Diet cured my gallstone; it did cure the attacks I was on the receiving end of every couple of days.

For someone who spent every other night for a month, from midnight to at least 6am in sleep-deprived agony, having the pain magically stop was nigh well a miracle.

And being pain free has continued to this day.

In that article I explained my interpretation of the science behind why this would work, as well as cited the studies that back up my recovery. This article will present my personal tests as well as my theories, on how I am dissolving my gallstone. …

We’re about to find out what happens when an deflationary asset explodes across an infinitely expanding economy.

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“The point is, ladies and gentleman, that greed, for lack of a better word, is good. Greed is right, greed works. Greed clarifies, cuts through, and captures the essence of the evolutionary spirit. Greed, in all of its forms; greed for life, for money, for love, knowledge has marked the upward surge of mankind.” ~ Gordon Gekko, Wallstreet

Satoshi Nakamoto must have thought long and hard before unleashing his creation upon the world. …

Altered from the theatrical release poster for the Lion King, by John Alvin

The News is in: KiK Settles with the SEC regarding Kin. Can I get a “Hellsyeah?”

The long nightmare is over.

No, I’m not talking about the election.

What I am talking about is the recently settled court case of Kik v. the SEC. The court case hinged around an unregistered “Kin” token sale in 2017 that raised $100 million dollars. The short of it is that the SEC won the case, and instead of going for an appeal, Kik Interactive decided, much as EOS and SIA did, to settle.

This is a prudent decision.

Kik’s initial action to fight the SEC was to force the court to create a legal precedent regarding the SEC’s regulatory overreach in the blockchain industry. When the SEC’s position was instead reinforced by the court’s decision, whether to settle simply becomes a business decision — continue as a company, or die in the throes of fighting a battle that Kik alone cannot win. …

From Blockfi, to to Fulcrum: the search continues for high yield…

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Chasing yield can lead you places

Not sure if it was the tweet about my article “Switching to from Blockfi, A Misadventure” that did it, but after 8 days finally got things squared away, and I started earning interest.

All of the BTC and USDC funds that I had on and moved to Blockfi now had to be moved back to

Blockfi has a 48 hr wait on transferring funds, which is at least better than the withdrawal confirmation email that never arrived I experienced previously with

But I was willing to give a second chance.

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Take me to your Don Quixote! I want to tilt against windmills…

TL;DR: Moar Interest, Up to 12% on vs. 8.6% on Blockfi. Also, FDIC insured. The “Earn” button doesn’t show on my app. Trusted Centralized Third Parties only work M-F, 9–5. thumbs down!

Switching to

Okay, after a delightful couple months earning 8.6% APR on Blockfi on my USDC (US Dollar Coin), as well as 5% on my Bitcoin deposit, my brother told me I should look into, saying that I could earn up to 12%.

After briefly perusing their website, it looks like the 12% is reserved for those staking 500 of their native coin MCO, which was currently retailing for over $5. $2,500 to get 12%? …

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Connect CoinMarketCap crypto coin daily pricing with an auto-updating Google Sheets. Track your coins, and mark if they rise or fall a certain percentage.

I wouldn’t say I’m in love with spreadsheets, but I do appreciate the way they bring clarity to tracking, and help to comprehend numbers that change over time.

Bringing in Bitcoin pricing is just the basics. You can make cells and fonts change color based on a percentage rise or fall, alerting you to major and minor trends, which you can then act upon. You can make pretty charts that place the trend front and center. …

Sick of getting a .05% savings rate? Yeah, me too.

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Stacking Sats at Biosphere 2

With the average inflation rate in the US at 1.5%, I calculated that I was actually making a negative -1.45% APY on my money parked at the local credit union at .05%.

“Savings” becomes a misnomer; it should really be called “Diminishings.”

With the Central Bank’s money printer going infinite Brrrrrr, can higher inflation be far behind?

There’s even talk of negative rates coming to the US. Why not — Sweden, Denmark and Japan already have negative rates. The US will not be immune to this financial experiment. …

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Win or lose, a monkey’s gotta eat!

If you’re not familiar, a few years ago the message app company Kik conducted a pre-sale of the token Kin to accredited investors, and later a Kin token sale to public buyers. The SEC insists that both actions were in fact one integrated sale of securities, and is in fact an illegal sale of securities.

There has been a back-and-forth, to-and-fro of legal actions, and reactions between both parties.

Now, a trial date set 2nd week in May, 2020:

“Oppositions to MSJ are due to Judge Hellerstein by Friday, April 24th, then a trial or settlement decision is scheduled for Friday, May 8th. (only 23 days from today!)” ~Reddit SEC v. …

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How much for your Macchu Picchu?

The narrative presented by Bitcoiners is that Bitcoin’s dollar value rises in the face of inflation, and inflationary practices. Yet, Bitcoin seems uncorrelated not just with the typical assets of stocks and bonds, gold and other commodities. It seems to be uncorrelated with other currencies as well.


Bitcoin is an oddity. It is a currency/commodity, the only one of its kind in the current paradigm. It’s in its own kind of 4th dimensional world.

There’s the fiat reality where all currencies the world over are inflated, bound to the petrodollar, which at this point in time is the US Dollar. …



Writer for, Altcoin Magazine, The Startup,,, et al.

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