How To Make 6 Figures With Online Programs (For Coaches!)

How To Make 6 Figures With Online Programs (For Coaches!)

How to make 6 figures with online programs – for coaches who want to expand their reach and start an online coaching business.

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Is Technical Trading in Cryptocurrency Markets Profitable? – Cointelegraph

In two recent studies, I investigated the technical trading rules in the cryptocurrency market and profitability of technical trading rules among cryptocurrencies with a privacy function.

In our first study, we collected daily price data on eleven cryptocurrencies for the period Jan. 1, 2016 to Dec. 31, 2018. Our sample consisted of cryptocurrencies exhibiting the highest market capitalization as at Jan. 3, 2016. Our main sample comprised Ripple (XRP), Litecoin (LTC), Ether (ETH), Dogecoin (DOGE), Peercoin, BitShares, Stellar Lumen (XLM), Nxt, MaidSafeCoin and Namecoin.

Using a simple buy-and-hold strategy of an equally weighted portfolio, our sample of cryptocurrencies produced an average return of 36.87% per year over our sample period. It is important to note that technical trading in cryptocurrency markets is different from equity markets for many reasons, two being that cryptocurrencies are traded 24/7, and short positions cannot be taken on cryptocurrencies unless trading Bitcoin (BTC) only.

We implemented the simplest and most widely used technical trading rule referred to as Variable Moving Average oscillator, which generates trading signals employing a short period and a long period, both moving in accordance with the average level of a price index. We only focused on the payoffs from buy positions simply because it is not possible to take short positions on cryptocurrencies apart from Bitcoin.

In the study, running a (1, 20) strategy meant taking a long position on a cryptocurrency whenever its current price exceeds the 20-day moving average, and holding the position until a sell signal is generated. A sell signal, in turn, was generated when the current price of a cryptocurrency was below the 20-day moving average. In this case, we keep the money in cash. In a similar manner, we implemented (1, 20), (1, 50), (1, 100), (1, 150) and (1, 200) strategies.

When implementing the (1, 20) strategy, we found that five of the 10 cryptocurrencies generated payoffs that were statistically significant on at least a 5% level. On average, the (1, 20) VMA strategy produced a 45.63% average return per year for the 10 cryptocurrencies compared to their buy and hold average return of 36.87% per year.  More precisely, this technical trading rule generated around 8.76% per year in excess return over the sample period. Our results also suggest that a longer time horizon used for implementing the VMA strategies results in less profitable technical trading.

In our second study, we followed the same research design of our earlier paper, but used data on the 10 most-traded cryptocurrencies that provide a so-called “privacy function.” The privacy function allows users to maintain some anonymity on either the user level, the transaction level, the account balance level, or having full privacy on all levels. As an example, Dash allows users to have the “anonymous send” option if they wish to anonymize their user level information.

Hence, our study employed the following cryptocurrencies: Dash (DASH), Bytecoin (BCN), DigitalNote (XDN), Monero (XMR), CloakCoin (CLOAK), AeonCoin (AEON), Stealth (XST), Prime-XI (PXI), NavCoin (NAV), Verge (XVG). The sample covers the same period as in our earlier study.

The results of this study shows that VMA strategies are successful only for Dash (on the single cryptocurrency level) and yielded returns of 14.6% to 18.25% per year in excess of the simple buy-and-hold trading strategy for this coin. Surprisingly, when we averaged the average returns across the entire set of 10 privacy coins, we did not find any positive average portfolio returns in excess of the equally-weighted buy-and-hold portfolio.

In summary, the results of our two studies provide mixed evidence. On the one hand, technical trading seems to generate profits when implementing strategies among non-privacy cryptocurrencies. The profitability is, however, limited as only shorter time horizons of the VMA’s long-period moving average appear to provide useful information. On the other hand, privacy cryptocurrencies seem to form a more efficient market, as technical trading does not appear to provide significant payoffs in excess of the simple buy-and-hold strategy from a market-wide perspective.

The views, thoughts and opinions expressed here are the author’s alone and do not necessarily reflect or represent the views and opinions of Cointelegraph.

This article does not contain investment advice or recommendations. Every investment and trading move involves risk, you should conduct your own research when making a decision.

The mentioned studies were conducted together with my colleagues Shaker Ahmed and Niranjan Sapkota, who both work as doctoral students in finance at the University of Vaasa (Finland).

Klaus Grobys is a docent in financial economics at the University of Jyväskyla and an assistant professor of finance at the University of Vaasa. Grobys is also affiliated with the research platform InnoLab at the University of Vaasa. His recent studies investigate the opportunities and risks associated with new innovative digital financial markets. His recent research was, among others, covered by U.S. business magazine Forbes.

Crypto’s Zoom Moment Is Coming

Michael Terpin is the founder and CEO of Transform Group, a diversified blockchain services group based in San Juan, Puerto Rico, where he is currently sheltered in place.

What more could a burgeoning technology ask for to thrive? Massive global unemployment, cascading in waves as a viral pandemic shutters most parts of the non-digital economy, has put the world on the precipice of the “everything bubble” Satoshi Nakamoto sought to inoculate us against with the creation of bitcoin.

This is both the moment the cryptocurrency community has both eagerly awaited and dreaded. A global pandemic hitting just as sovereign currencies are being architected should serve as an accelerator for rapid issuance and acceptance. This should be true in particular for teetering third-world economies lacking a global reserve currency to inflate their monetary bases without hyperinflationary hell to pay. Additionally, there are undeniable health and hygiene benefits over paper currencies, not just better trackability for tax collection and law enforcement purposes.

See also: How Blockchain Tech Can Make Coronavirus Relief More Effective

The wheels of legislative and regulatory approval grind slowly in normal times, so it is encouraging that a preliminary digital dollar program nearly made it into the congressional aid package for displaced workers and shuttered businesses as a better way to quickly distribute the multi-trillion-dollar creation of magic Federal Reserve money. Sadly, it was pruned from the final bill on the legislative cutting room floor. Instead, we are left to fill out forms downloaded from bank websites that cannot handle the traffic. These loans may take months to process at a time when millions of recently unemployed workers have little to no savings.

Many of the industries where physical contact is required at the last mile are having their legacy supply chains disrupted. Seminars and conferences cannot take place in closed hotels with few planes to fly them in. Restaurants are restricted to take-out in most of the U.S. and Europe, India and large swaths of everywhere else.  

Necessity, of course, is the mother of invention and this is where the token foundations and programmers need to step into high gear. They need to finalize and deploy solutions that have been in development for years for smart-contract supply chain management, international global e-commerce payments and remittances, and seamless exchange and wallet onramps and off-ramps to stored value. As the specter of bank runs and closures looms around the developing world, there is substantial demand for reliable asset-backed stablecoins, blockchain-backed precious metals ownership, security tokens sufficiently discounted for risk and for the nascent world of decentralized finance (DeFi), which is currently paying some of the highest interest of any asset class. 

Who among us will become the Zoom of easy cross-border payments, of smart contract supply chain management and of clearly superior solutions in a dozen other categories.

Waiting for legacy global fiat off-ramps to embrace the blockchain in a world already hamstrung by multiple redundant KYC/AML approval loops to access one’s own money when the traditional economy is essentially on fire is a banana upon which the banking industry is poised to slip. Just as we now make our own masks and hand-fashioned bandanas for wearing inside supermarkets, we don’t have time to wait for congressional approval to accelerate the adoption curve for cryptocurrency and blockchain-based solutions.

Never has there been a time when Big Tech and Big Consulting are more in need of outside resources to scale solutions to fresh problems in multi-trillion dollar industries. These “too big to fail” firms are already on the pre-approved list for government and Fortune 500 contracts, but they tend to lack the nimbleness, open source ethos, and out-of-the box thinking employed by the cryptocurrency and blockchain ecosystems.

One benefit that has come out of the sudden stoppage of physical events is the rapid rise of virtual events, conferences, seminars, networking lounges. Most of them are free after the price of an email address, others priced far less than online webinars of the past. Zoom and other platforms have done a remarkable job of emulating a real conference, including breakout rooms. Zoom (a company my firm briefly represented in its infancy) had to beat out legacy competitors with much larger funding including Cisco, Microsoft and Facebook with a superior interface and stellar execution to win the race (for the moment) as video webcasting king of the hill.  

See also: Why This Global Crisis Is a Defining Moment for Stablecoins

You can even have drinks together. I am in a WhatsApp group of bitcoin old-timers who created a Zoom cocktail party event every Friday afternoon since the pandemic took hold. I am in another group of tech and media leaders in Los Angeles who have used Zoom to both keep its current physical membership connected virtually but also to reconnect with its past members from around the globe for the chance to hear renowned speakers and network each Saturday morning. It’s still not the ability to hug or shake someone’s hand. But with virtual events, you can still look someone straight in the eye.  

Now is the time for bold action by governments and industry to embrace the blockchain and crypto communities. We have not done the greatest job of educating one another about what it is we do and why – sometimes, physical events produce a lot of grandstanding and posturing, which seem harder to pull off in the intimate video closeups of the Zoom format. Let’s all do our part to connect the dots of the new virtual world with sound alternatives to the increasingly virtual fiat monetary supply and its creaky legacy framework.

Let’s see who among us will become the Zoom of easy cross-border payments, of smart contract supply chain management and of clearly superior solutions in a dozen other categories. I, for one, can’t wait.

Disclosure Read More

The leader in blockchain news, CoinDesk is a media outlet that strives for the highest journalistic standards and abides by a strict set of editorial policies. CoinDesk is an independent operating subsidiary of Digital Currency Group, which invests in cryptocurrencies and blockchain startups.

It’s Not Too Early to Prepare for the Next Pandemic

Executive Summary

One thing is for certain: There will be another pandemic after this one. To do a better job of minimizing its impact on the people and the economy, Congress should start taking steps now to ensure the country is better prepared the next time around. They include: creating an independent, nonpartisan Pandemic Review Commission that will deliver an objective, apolitical assessment of what went right and what went wrong in the response to the Covid-19 outbreak;  supporting the development of a global early-warning system; establishing fair, rigorous screening protocols informed by science to delay the entry of a contagion into the U.S.; building a massive testing capability and a much stronger public health infrastructure at the state and local levels; creating a surge capacity to care for victims and protect health care workers; building an information system that will enable the country to deploy these surge resources to where they’re needed; and making affordable, quality health insurance available to all.

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SARS in 2003, H1N1 in 2009, MERS in 2012, and now Covid-19. We don’t know when or where, but we know with 100% certainty that another deadly infection will strike. While the clear priority right now must be coping with the surging number of cases and the economic havoc that the current pandemic is wreaking, it is also time for the country to begin takings steps to minimize the pain of the next pandemic.

For starters, the United States needs an independent, nonpartisan Pandemic Review Commission that will deliver an objective, apolitical assessment of what went right and what went wrong in the response to the Covid-19 outbreak. Its members should be predominantly public health experts, scientists, and medical professionals, but they should also include experienced public- and private-sector leaders such as ex-governors and industry leaders.

Further Reading

But because the need for some actions are obvious, Congress should simultaneously begin to work on legislation aimed at improving the country’s ability to respond to a new pandemic in the following key areas.

Spotting emerging pandemics

This requires a global early-warning system, which means having trusted, scientifically savvy eyes and ears on the ground around the world. The key is robust international health care cooperation and strong, science-based, cross-national health care organizations. Currently, the World Health Organization (WHO) is the backbone of our global, cooperative pandemic information system. If WHO fell short with Covid-19, we should strengthen and reform it — not destroy it. President Trump’s precipitous decision to defund it could increase the chance that we will be caught flat-footed when the next pandemic erupts in some distant corner of the world.

Delaying entry into the United States

Congress should ensure that, once a new infectious threat emerges elsewhere in the world, the contagion will be kept out of the United States as long as possible. The U.S. Department of Homeland Security needs to focus intently on this challenge through the development of deep expertise in science and technology. This does not mean digging moats and pulling up the drawbridge; it means having fair, rigorous screening protocols informed by science, not prejudice or ethnic stereotype.

Containing the infection

At some point, another infection will get into the country. Once it does, we may have a brief time to contain it, when new cases and their contacts can be identified and quarantined. This is what Singapore, South Korea, Taiwan, and Hong Kong successfully accomplished with Covid-19.

To do this, the United States needs a massive testing capability and a much stronger public health infrastructure at the state and local levels. Congress should launch a national infectious-disease-testing research and development program with the central purpose of improving the science behind infectious-disease detection and deploying the best available tests (from anywhere in the world) as rapidly as possible. This is too big a job for the U.S. Centers for Disease Control and Prevention alone. The federal government also needs to help state and local public health agencies build the capacity to do the laborious, detailed field work to identify and isolate contacts of any individuals who test positive.

Minimizing the physical and economic pain

If detection, exclusion, and containment don’t keep a new pandemic at bay, then Congress needs to minimize the resulting damage. This means first having the required surge capacity to care for victims and protect health care workers. With a tiny fraction of the 18% of GDP that the United States spends on health care, it could maintain a surge capacity that would see the country comfortably through any conceivable new pandemic. Building into this national health care reserve a governance structure that will keep the contents tested and up to date will be essential. To prevent short-sighted future raids on funding for the surge capacity, Congress should require a two-thirds vote of both its houses to divert surge resources to other purposes.

Congress also needs to build an information system that will enable the country to deploy these surge resources to where they’re needed. Among other things, this means modernizing the U.S. public-health-information infrastructure so it’s capable of tracking in real time the availability of critical resources like hospital and intensive care unit (ICU) beds, devices, drugs, and personnel.

Finally, the United States needs to protect victims of the next pandemic from the devastating financial consequences of illness through affordable, quality health insurance. If that coverage were available in good times, not just pandemics, it would reduce the burden of chronic illness that drives up suffering from infectious illnesses when they tear through the population.

The challenge, of course, is that as soon as this crisis starts to fade so too may the will to anticipate and prepare for the next one. Humans cope with trauma by repressing its memory. The temptation to forget Covid-19 and move on will be overwhelming. But the country must let not that happen.

As surely as bacteria and viruses will persist on earth, there will be a next pandemic. The United States can and should be better prepared for it.

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What online dating looks like when you’re blind | Fern Lulham | TEDxKingstonUponThames

What online dating looks like when you're blind | Fern Lulham | TEDxKingstonUponThames

Two things taught Fern about insecurity – being blind and online dating. From denying her disability entirely to learning that she didn’t have to fully accept being blind to reveal it to others. Fern challenges the idea that total acceptance of oneself is necessary for others to accept us and explains that self-acceptance is not a moment of enlightenment, but a lifelong rollercoaster ride. Fern Lulham is a captivating, inspirational and vibrant motivational speaker. She speaks with honesty and passion, covering topics such as self-confidence, self-worth, the power of communication, working together and the importance of sharing our emotional experiences.

Fern has a unique, upbeat and entertaining style that resonates with all audiences. Talking from her own experience, Fern can reach out and touch every single person. She believes strongly in altering perspectives and encouraging value and belief in ourselves. This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at