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      "author": "steemitboard",
      "body": "Congratulations @ferin! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@ferin/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@ferin) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=ferin)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "author": "steemitboard",
      "body": "Congratulations @ferin! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@ferin/birthday1.png</td><td>1 Year on Steemit</td></tr></table>\n\n<sub>_[Click here to view your Board](https://steemitboard.com/@ferin)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steem/@steemitboard/steemwhales-has-officially-moved-to-steemitboard-ranking\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmfRVpHQhLDhnjDtqck8GPv9NPvNKPfMsDaAFDE1D9Er2Z/header_ranking.png\"></a></td><td><a href=\"https://steemit.com/steem/@steemitboard/steemwhales-has-officially-moved-to-steemitboard-ranking\">SteemWhales has officially moved to SteemitBoard Ranking</a></td></tr><tr><td><a href=\"https://steemit.com/steemitboard/@steemitboard/steemitboard-witness-update-2019-01-07\"><img src=\"https://steemitimages.com/64x128/http://i.cubeupload.com/7CiQEO.png\"></a></td><td><a href=\"https://steemit.com/steemitboard/@steemitboard/steemitboard-witness-update-2019-01-07\">SteemitBoard - Witness Update</a></td></tr></table>\n\n> Support [SteemitBoard's project](https://steemit.com/@steemitboard)! **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!",
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      "author": "ferin",
      "body": "okay thank you",
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      "parent_author": "cheetah",
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      "author": "cheetah",
      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://themarketmogul.com/ripple-investments/",
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      "author": "cylindricity",
      "body": "Nice concise summary!",
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      "author": "ferin",
      "body": "What Is Ripple’s Technology?\nRipple has engineered a payment system like blockchain. It uses a shared ledger to process transactions. The network allows assets to move freely, directly and instantly therefore reducing time and cost of clearing. Ripple believes the costs of transactions will be 50%-60% lower for retail remittance and commercial payments using distributed ledger technology. In addition, a clear benefit is that it can work cross-border and with any size of payment.\n\nRipple allows clients to integrate it into their own systems which then allows their customers to use it. Recently the National Bank of Abu Dhabi started to use the technology for some of its transactions, specifically for cross-border transactions. It, therefore, allows its customers to transfer funds in real time and instantly.\n\nFurther to this, now over 60 institutions around the world use it, including Santander, RBC, UBS and UniCredit. The use of Ripple has helped them to realise faster settlements and gain efficiencies.\n\nIn addition to processing transactions, the ledger holds information, such as buy and sell offers for securities, therefore acting as an exchange, this enables retail customers to complete FX transactions and transfers without incurring expensive fees and spreads.\n\nAs with any solution there is a cost. One reason for the transaction cost when using Ripple is to combat fake accounts by making it too expensive for spammers to flood the Ripple network with transactions. If flooding occurred the ledger would be unmanageable and slower to clear.\n\nSimilar to blockchain using Bitcoin, Ripple uses its own cryptocurrency called XRP. Within the network XRP is used as bridge currency if there is no direct exchange between two currencies at a given time. There is no reliance on a third party, therefore, XRP has no counterparty risk. The currency of XRP is growing and has the 3rd largest market cap of the ‘cyber-monies’ behind Bitcoin and Ethereum.\n\nRipple vs. Bitcoin\nRipple has been seen as an up-and-coming rival to Bitcoin especially in the area of real-time international transfers. It has been reported that Bitcoin has had some issues such as clearing taking days to complete. The time to settle Bitcoin has increased and on March 27th reached 168 mins, whereas Ripple takes an average of 3.7 seconds. BBVA undertook money transfers between Spain and Mexico and found Ripple to take seconds whereas traditionally a transfer would take four days to clear.\n\nRegarding cost, Ripple transaction costs are lower at $0.00031 per transaction whereas the Bitcoin equivalent is $0.48. Therefore, it provides a return on investment as well as a solution for clients.\n\nWhat Does Ripple’s Coin Cost?\nRipple has seen huge growth recently and the price of XRP has risen sharply in the early part of 2017, in March and April, the value rose by 1000% over a 30-day period. The value of Ripple since the start of 2016 to its peak in May this year is a growth of nearly 6500%. In comparison, Bitcoin has seen its value grow by over 700% since the start of 2016 to its peak in June of this year. It is still early in the life of XRP, but many investors consider Ripple to be the next Bitcoin.\n\nThe value may have grown but Ripple holds a large supply of XRP and over the last year it has sold 300 million units a month. If much more is released into the market, it could cause the value of XRP to tank. Therefore, Ripple has said will freeze 88% of its XRP holding in contracts and each month unfreeze 1 billion XRP. This will ensure a sense of certainty for investors that the market will not suddenly be flooded as the supply is restricted.\n\nWhere Is the Future Headed?\nRipple continues to invest in the network and improve, this combined with a growing presence and partnerships with global firms makes it a candidate to be the next big disruptor.\n\nRecently, partnerships have been established. MUFG in Japan is working to oversee creating payment rules and standards. Similarly, a Global Payments Steering group of banks formed to establish rights and obligations framework for the use of the technology. The group includes BAML, Santander and RBC.\n\nA group of Japanese banks have piloted software and towards the end of the year plan to use the technology in commercial scale. This will mean 40% of banks in Japan will be in some way connected to Ripple technology. Then in 2018, RBS and BAML, amongst others will use Ripple to underlie the cross-border payment services for retail and commercial customers.\n\nAs the network grows and ripple begins to make a name for itself, it may well present a buying opportunity. Ripple has some way to go to match the exposure of Bitcoin with only five years under its belt compared to Bitcoin’s 8 years, but if it follows in the footsteps of Bitcoin, its value has the potential to surge further.",
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{
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      "author": "ferin",
      "body": "Steemit Good News Story #1 Attacking Global Poverty with STEEM and Steemit written by @paulag and recommended by @clixmoney!Summary? 74 million of us on earth live on under $1.90 a day. Steem provides the opportunity for nearly any author today to consistently earn this much meaning that Steem currently is the best opportunity for a basic income token globally.\nPowerful Language Hacks that will ACCOMPLISH YOUR MISSION!written by @robertgenito. Summary? Paying attention to the language we use has huge impacts on the results we get in life. For example, choosing to say what needs to be done instead of saying what not to do makes communication more effective and enjoyable!\nSee Just How Powerful A Simple Steemit Post Really Is (In The Words Of An Illiterate!!!) The Internet Has Never Been This Awesome!!!written by @surpassinggoogle and recommended by @clixmoney.Summary? Steem is helping us connect and earn regardless of our location which is a miracle for each of us living in a world now where Google and Facebook focus what we see locally.\nThe Remarkable Diary of an Earthship Eco Builder Chapter #2. The dream was born written by @eco-alex. Summary? Instead of planning a future where we hope to move into a nicer neighborhood and a bigger house, what would our home look like if we considered the impact of our lifestyle on the planet? How can we make a home that includes everything we want with as little waste as possible?\nThe Day the Paywalls Died: How Steem’s Smart Media Token Saved My Family’s Newspaper written by @donkeypong and recommended by @lann. Summary? This story set in 2019 shows clearly how Smart Media Tokens will allow publishing companies like newspapers to make a huge comeback with a transition into a business model that makes raising capital simple and rewards ongoing participation from readers and authors instead of accepting money from advertisers.\nHello Steemit! My name is Alla, I am a Youtuber and private chef with my own show... Let's do this!! by @allasyummyfood and recommended by @kingjan. Summary? Alla's introduction post sharing her journey prior to Steem combined with seeing all she has contributed to Steem is enough to inspire us to go all in on being a member of our community and giving all we can each day!\nSteemit Releases Groundbreaking Account Recovery Solution by @danand recommended by @marlon241982. Summary? Most cryptocurrency wallets can be completely emptied in an instant by anyone that gets access from a family member stealing money to a hacker compromising millions of wallets. Steem is the first to offer an account recovery solution which when combined with powering up Steem provides the safest solution for holding any amount of cryptocurrency in a wallet!\nA Minnow's Guide to Steemit by @shinyforest and recommended by @mikepm74. Summary? Most of us new to Steem can learn a lot by reading this one post which covers the basic Steem terminology, how to get started successfully, Discord channels, posting strategies, commenting, payout settings, and perhaps most importantly the bigger picture. \"Steem thrives when the community grows!\"\nThe SEO of Steemit.com by @cryptoctopus and recommended by @clixmoney. Summary? New bloggers and internet marketers often spend a fortune in time and money just trying to get noticed in Google and shared on social media. Once we see how powerful Steem is for Search Engine Optimization (SEO = ranking a post high in Google), we are unlikely to ever consider blogging anywhere else especially when combined with the possibility of earning rewards on posts!\nWhat gives Crypto value? A letter to potential investors by @aggroedand recommended by @mikepm74. Summary? \"The value of the currency ≈ total number of people using the system ... Cryptos are a combination of a stock and a currency.\"\n10 Things I Learned From Being Homeless by @arbitrarykitten and recommended by @verdanas. Summary? Being homeless can easily happen to any of us and it looks a lot different from the inside!\nSteemit Is So Much More Than Just A Method For Individuals To Get Paid For Blogging, The Philosophy Behind The Steemit Platform Could Truly Revolutionize The Way Individuals Use The Internet. by @cryptofreedom and recommended by @kerry234. Summary? \"Steem proves that a platform where individuals have access to the value that they generate is possible, and it may start a domino effect of users looking for platforms that have their best interests in mind.\"\nMy Suggestions and Advice for new Users on Steemit. by @phelimintand recommended by @clumsysilverdad. Summary? We get 8 recommendations in this post that make getting started and getting through the challenging times on Steem much easier! Our friends and family often struggle to begin on Steem. We hope showing them this post early on might help!\nSteemit Synergy: The True Value of Steem is Incentivized, Quality-based Attention. by @kafkanarchy84 and recommended by @luckysteem. Summary? \"One of the most valuable and yet overlooked commodities on the market today is attention. As self-made man and CEO/founder of VaynerMedia, Gary Vaynerchuk says: 'I'm a day trader in attention.' \"\nSmart Media Tokens: Introducing the Game Changer by @the-alien.Summary? \"So if you’re a Youtuber, Blogger, writer with your own fan base or community, you might wanna check the Smart Media Tokens ... the same is true for multi-user platforms that already established like Medium or FEE.org, or even traditional style magazines like Mashable or Rolling Stone.\"\nHomesteading Saved My Life! by @sthomestead and recommended by @winvideos. Summary? \"It has been about 5 1/2 years now since I got the news ... stage 3 colon cancer ... I was only 39 years and physically appeared to be in pretty good shape ... chemo was out but what was I going to do to instead? Simple, eat right and exercise. Could it be that simple?\"\nHow I Made Enough Money with Steem to Buy A New Nissan Leaf by @demotruk and recommended by @bolaamir. Summary? \"I started investing in Steem ... As the price dropped, I bought more ... Despite losses, I kept doubling down, in fact some of the most money I spent was at a price $0.07 ... While acknowledging problems, I continued to believe in the core concept ... the price of Steem was eventually propelled back to $2.80 ... I have still kept the vast majority of my Steem powered up.\"\n3 months, 1000 Followers and $1 Million Later... by @trafalgar and recommended by @bolaamir. Summary? \"It feels like it was only yesterday when I made my first post on Steemit, but it's actually been almost 90 yesterdays. Sure takes a while to make a million bucks on this site doesn't it? My journey on Steemit has undoubtedly been a surreal experience ... I was fascinated by the concept of a decentralized social media platform that rewarded authors based on the likes they receive on their posts ... Screw it, I thought, I'm going all in on Steem, which turned out to be about 500,000 Steem for 20c ... So, what am I going to do now that Steem is over $2 and I'm up a cool million?\"\nHealing BiPolar Without Medication by @zincali. Summary? \"I was diagnosed with bipolar when I was just 19 years old. My last clinical depression was felt when I was 24 years old. I have been free now of this condition for 28 years to date ... It just didn't make sense to me to be taking tablets that did not work and if Lithium was not going to cure the problem completely and they really repulsed me, I saw no point in continuing with the treatment ... I then asked myself, WHO AM I and WHERE DO I COME FROM ... I then sincerely forgave myself for being so hard on myself and thanked the infinite one for making me realise this and went out and bought an ice cream. I have never suffered from depression since.\"\nThe Secret To Success On Steemit: It Isn't Posting Article or Re-Steeming (For Dolphins And Minnows) written by @taskmaster4450and recommended by @creon. Summary? \"Excited blogger joins Steemit.com with the expectation of making money from writing about what he or she loves. Said blogger puts up a wonderful post worthy of mention by the local Historical Society, gets no upvotes, complains the system is rigged, and leaves to grace some other site with his/her presence ... For whatever reason, we all believe that posting article is the most important aspect of steemit.com ... Therefore, I suggested that it is best for all of us to leave as many comments as we can ... quality comments mean MONEY ... I have received upvotes on comments paying $6, $8, even $11 just for that vote ... There are many whales who read the comment sections of posts ... there is a much better chance of someone with a lot of Steem power finding you there than him or her coming across your post.\"\nInvest in Steemians Like You Would With Cryptocurrencies written by @jedau and recommended by @creon. Summary? \"Living on the STEEM blockchain means that we ourselves are in a position where people \"invest\" in the things we put out ... What I can adjust are my expectations ... The folks that made Steemit were really on to something when they created this awesome platform. Not only did they sought to monetize posts and comments, but in effect they made the creators as investments. The creators themselves are the investments ... If you're one of those investments like me that feel like you're not making what you're worth, just keep at it and don't compromise the quality of your work.\"\nCryptoeconomics: A Brief Discussion written by @andrarchy and recommended by @paulspujats. Summary? \"One of my most oft cited reasons for loving steemit is that it enabled me to invest by contributing labor--by doing things I wanted to do anyway. The fact that you can learn, grow, and gain exposure while earning tokens that you can trade for other tokens is a paradigm shift that few yet understand or appreciate. I didn't sacrifice anything, I grew as a person and a creator, and in exchange for that I received money. You can then treat those tokens as \"play money\" that you use to experiment, learn, develop hypotheses, test your assumptions, etc. That's going to get you much farther than even a PhD in macro.\"\nUtopian: My Contribution to the Open Source World written by @elearand recommended by @telasius. Summary? \"Utopian.io rewards Open Source contributors for their work ... I am a dreamer and I always had the hope that one day, anyone, with no more than a good project, could contribute to the Open Source world, join forces with other contributors and be rewarded for that, thus increasing the interest in Open Source projects and speed up the development of exciting new ideas.\nThat's why few years ago I came up with Utopian ... There were so many issues I had to solve to make Utopian a reality ... Steem provided practicable answers to all my questions ... By providing a way to earn rewards/income from the contributions, Utopian aims to provide a new form of work compensation, a new meritocratic economy from which everyone will benefit immediately.\"\nCreating The World We Long For! written by @teamsteem and recommended via @elear. Summary? \"This post is about how to create the world we long for and how Steem and other cryptocurrencies can play a big part in this, why we should all try to boost Steem's growth with each of our posts as well as ways to incentivize such sharing so it becomes part of Steemians' second nature. Most people who could benefit from using Steem haven't heard about it yet and it's a no-brainer for everyone to work toward a better world helping remediate to this ... reaching out to people is one of the most important thing in regard to creating the world we long for that's why I want to reward those who are doing it ... I Made Money On Steemit And So Can You!\"\nMy 3000 follower milestone : Is now conquered - Big thank you to all my followers and Steemit - Here's a recap of my entire journey! written by @sweetsssj and discovered via @teamsteem. Summary? \"Before Steemit, the depth and breadth of my blogging experience extended to just my friends and family on WeChat ... Like many of you early on, I found it difficult to find my own niche. It seems every girl is an accomplished lifestyle / travel / fashion blogger. But the point is, it doesn't matter what others are doing. Because I knew I had my stories to tell, so.. I just told them. Pretty quickly, I realized that even though my peers in China lived perhaps more glamorous lifestyles than myself, they didn't have the tenacity to put their experiences down on paper, or spend time really collating their thoughts over their experiences. Most of them would post pictures on Instagram, and leave the rest to imagination. Steemit gave me the opportunity to do more than just post pictures. I could also tell my story, express it through words. Reach an audience of English speakers AND Chinese speakers. Use many different forms of expression to engage with my followers, and give them multi-pronged experiences that could not be found anywhere else.\"",
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