Saturday, February 15

HYIP Newsleters

Hello everyone,

While this week as full of dirty scams and some unexpected changes in HYIP industry still lot of news were sent out from programs and I want to republish them with my comments, read below.

Kings Of Profit newsletter:
We are already working within a 70 Days and we have a some updates and additional good news. As you know we have a few offices and many representatives in the world. For now we would like to introduce our Singapore and Hong-Kong offices with international phone support from Asia region. So for now we have a three separate phone numbers for our clients England phone number is still same +441516018923 , Singapore is +6531586958, Hong-Kong is +85258086205. So for now we have a few phone numbers for our Call centre. You can make a call to one of them and get support via phone. The new interesting futures are coming with different offices from many places in the world. Thank you for staying with us.

They are already online 70 days what is amazing, because for admin to keep such program online for this long take takes some skills. I'm sure reason behind this is that admin has not received huge deposits and he just have no other option just to continue work. Imagine what would happen if skilled admin like this would air program with same kind investment plans, but with premium design? I think in that case he would make amazingly successful program. While I did not tested out that phone numbers it is nice that admin is investing something also in development.

Finmutual newsletters:
For our technical members, we will be taking down the Green Address Bar SSL shortly to work on an issue with browsers and the EV SSL certificate we have run into a few times now. When this happens, you will still see secured SSL loading on our site. You will not see a green address bar nor the corner trustlogo during the maintenance period. You will still see SSL on our entire website for your secure account access. This maintenance period will begin in the next few hours. Normal site functions will not be affected.
We have completed our maintenance on our EV SSL certificate and browser loading. If you have any problems loading our website, please reply to this email. You should now see the green address bar once again and our COMODO trust logo in the corner all pointing to verifications for our company.

Finmutual took down green bar SSL and then put that back later. I was shocked by chaos what people made in internet when they removed green SSL bar. At least I hope that people who read DavidNews know that SSL mean completely nothing. Read about it here.

FINANC newsletter:
The ability to manage your emotions and remain calm under pressure has a direct link to your performance. TalentSmart has conducted research with more than a million people, and we’ve found that 90% of top performers are skilled at managing their emotions in times of stress in order to remain calm and in control.

If you’ve followed my work, you’ve read some startling research summaries that explore the havoc stress can wreak on one’s physical and mental health (such as the Yale study, which found that prolonged stress causes degeneration in the area of the brain responsible for self-control). The tricky thing about stress (and the anxiety that comes with it) is that it’s an absolutely necessary emotion. Our brains are wired such that it’s difficult to take action until we feel at least some level of this emotional state. In fact, performance peaks under the heightened activation that comes with moderate levels of stress. As long as the stress isn’t prolonged, it’s harmless.

New research from the University of California, Berkeley, reveals an upside to experiencing moderate levels of stress. But it also reinforces how important it is to keep stress under control. The study, led by post-doctoral fellow Elizabeth Kirby, found that the onset of stress entices the brain into growing new cells responsible for improved memory. However, this effect is only seen when stress is intermittent. As soon as the stress continues beyond a few moments into a prolonged state, it suppresses the brain’s ability to develop new cells.

“I think intermittent stressful events are probably what keeps the brain more alert, and you perform better when you are alert,” Kirby says. For animals, intermittent stress is the bulk of what they experience, in the form of physical threats in their immediate environment. Long ago, this was also the case for humans. As the human brain evolved and increased in complexity, we’ve developed the ability to worry and perseverate on events, which creates frequent experiences of prolonged stress.

Besides increasing your risk of heart disease, depression, and obesity, stress decreases your cognitive performance. Fortunately, though, unless a lion is chasing you, the bulk of your stress is subjective and under your control. Top performers have well-honed coping strategies that they employ under stressful circumstances. This lowers their stress levels regardless of what’s happening in their environment, ensuring that the stress they experience is intermittent and not prolonged.

While I’ve run across numerous effective strategies that successful people employ when faced with stress, what follows are ten of the best. Some of these strategies may seem obvious, but the real challenge lies in recognizing when you need to use them and having the wherewithal to actually do so in spite of your stress.

They Appreciate What They Have

Taking time to contemplate what you’re grateful for isn’t merely the “right” thing to do. It also improves your mood, because it reduces the stress hormone cortisol by 23%. Research conducted at the University of California, Davis found that people who worked daily to cultivate an attitude of gratitude experienced improved mood, energy, and physical well-being. It’s likely that lower levels of cortisol played a major role in this.
They Avoid Asking “What If?”

“What if?” statements throw fuel on the fire of stress and worry. Things can go in a million different directions, and the more time you spend worrying about the possibilities, the less time you’ll spend focusing on taking action that will calm you down and keep your stress under control. Calm people know that asking “what if? will only take them to a place they don’t want—or need—to go.

They Stay Positive

Positive thoughts help make stress intermittent by focusing your brain’s attention onto something that is completely stress-free. You have to give your wandering brain a little help by consciously selecting something positive to think about. Any positive thought will do to refocus your attention. When things are going well, and your mood is good, this is relatively easy. When things are going poorly, and your mind is flooded with negative thoughts, this can be a challenge. In these moments, think about your day and identify one positive thing that happened, no matter how small. If you can’t think of something from the current day, reflect on the previous day or even the previous week. Or perhaps you’re looking forward to an exciting event that you can focus your attention on. The point here is that you must have something positive that you’re ready to shift your attention to when your thoughts turn negative.

They Disconnect

Given the importance of keeping stress intermittent, it’s easy to see how taking regular time off the grid can help keep your stress under control. When you make yourself available to your work 24/7, you expose yourself to a constant barrage of stressors. Forcing yourself offline and even—gulp!—turning off your phone gives your body a break from a constant source of stress. Studies have shown that something as simple as an email break can lower stress levels.

Technology enables constant communication and the expectation that you should be available 24/7. It is extremely difficult to enjoy a stress-free moment outside of work when an email that will change your train of thought and get you thinking (read: stressing) about work can drop onto your phone at any moment. If detaching yourself from work-related communication on weekday evenings is too big a challenge, then how about the weekend? Choose blocks of time where you cut the cord and go offline. You’ll be amazed at how refreshing these breaks are and how they reduce stress by putting a mental recharge into your weekly schedule. If you’re worried about the negative repercussions of taking this step, first try doing it at times when you’re unlikely to be contacted—maybe Sunday morning. As you grow more comfortable with it, and as your coworkers begin to accept the time you spend offline, gradually expand the amount of time you spend away from technology.

They Limit Their Caffeine Intake

Drinking caffeine triggers the release of adrenaline. Adrenaline is the source of the “fight-or-flight” response, a survival mechanism that forces you to stand up and fight or run for the hills when faced with a threat. The fight-or-flight mechanism sidesteps rational thinking in favor of a faster response. This is great when a bear is chasing you, but not so great when you’re responding to a curt email. When caffeine puts your brain and body into this hyperaroused state of stress, your emotions overrun your behavior. The stress that caffeine creates is far from intermittent, as its long half-life ensures that it takes its sweet time working its way out of your body.

They Sleep

I’ve beaten this one to death over the years and can’t say enough about the importance of sleep to increasing your emotional intelligence and managing your stress levels. When you sleep, your brain literally recharges, shuffling through the day’s memories and storing or discarding them (which causes dreams), so that you wake up alert and clear-headed. Your self-control, attention, and memory are all reduced when you don’t get enough—or the right kind—of sleep. Sleep deprivation raises stress hormone levels on its own, even without a stressor present. Stressful projects often make you feel as if you have no time to sleep, but taking the time to get a decent night’s sleep is often the one thing keeping you from getting things under control.

They Squash Negative Self-Talk

A big step in managing stress involves stopping negative self-talk in its tracks. The more you ruminate on negative thoughts, the more power you give them. Most of our negative thoughts are just that—thoughts, not facts. When you find yourself believing the negative and pessimistic things, your inner voice says, “It’s time to stop and write them down.” Literally stop what you’re doing and write down what you’re thinking. Once you’ve taken a moment to slow down the negative momentum of your thoughts, you will be more rational and clear-headed in evaluating their veracity.

You can bet that your statements aren’t true any time you use words like “never,” “worst,” “ever,” etc. If your statements still look like facts once they’re on paper, take them to a friend or colleague you trust and see if he or she agrees with you. Then the truth will surely come out. When it feels like something always or never happens, this is just your brain’s natural threat tendency inflating the perceived frequency or severity of an event. Identifying and labeling your thoughts as thoughts by separating them from the facts will help you escape the cycle of negativity and move toward a positive new outlook.

They Reframe Their Perspective

Stress and worry are fueled by our own skewed perception of events. It’s easy to think that unrealistic deadlines, unforgiving bosses, and out-of-control traffic are the reasons we’re so stressed all the time. You can’t control your circumstances, but you can control how you respond to them. So before you spend too much time dwelling on something, take a minute to put the situation in perspective. If you aren’t sure when you need to do this, try looking for clues that your anxiety may not be proportional to the stressor. If you’re thinking in broad, sweeping statements such as “Everything is going wrong” or “Nothing will work out,” then you need to reframe the situation. A great way to correct this unproductive thought pattern is to list the specific things that actually are going wrong or not working out. Most likely you will come up with just some things—not everything—and the scope of these stressors will look much more limited than it initially appeared.

They Breathe

The easiest way to make stress intermittent lies in something that you have to do everyday anyway: breathing. The practice of being in the moment with your breathing will begin to train your brain to focus solely on the task at hand and get the stress monkey off your back. When you’re feeling stressed, take a couple of minutes to focus on your breathing. Close the door, put away all other distractions, and just sit in a chair and breathe. The goal is to spend the entire time focused only on your breathing, which will prevent your mind from wandering. Think about how it feels to breathe in and out. This sounds simple, but it’s hard to do for more than a minute or two. It’s all right if you get sidetracked by another thought; this is sure to happen at the beginning, and you just need to bring your focus back to your breathing. If staying focused on your breathing proves to be a real struggle, try counting each breath in and out until you get to 20, and then start again from 1. Don’t worry if you lose count; you can always just start over.

This task may seem too easy or even a little silly, but you’ll be surprised by how calm you feel afterward and how much easier it is to let go of distracting thoughts that otherwise seem to have lodged permanently inside your brain.

They Use Their Support System

It’s tempting, yet entirely ineffective, to attempt tackling everything by yourself. To be calm and productive, you need to recognize your weaknesses and ask for help when you need it. This means tapping into your support system when a situation is challenging enough for you to feel overwhelmed. Everyone has someone at work and/or outside work who is on their team, rooting for them, and ready to help them get the best from a difficult situation. Identify these individuals in your life and make an effort to seek their insight and assistance when you need it. Something as simple as talking about your worries will provide an outlet for your anxiety and stress and supply you with a new perspective on the situation. Most of the time, other people can see a solution that you can’t because they are not as emotionally invested in the situation. Asking for help will mitigate your stress and strengthen your relationships with those you rely upon.

I'm not sure what FINANC meant by this newsletter, most likely no one even read this newsletter. I have nothing to add, but one thing is clear, they are increasing adverting last two weeks quite a lot if you compare with other industry players.

Cryptory newsletter:
Our fund managers often receive interesting questions from our investors: How does CRYPTORY® manage to provide a stable and predictable increase in income despite the fluctuation in the Bitcoins per US Dollar exchange rate? The short answer to this question — Hedging. Still don’t understand? … Don’t worry! In this short article we will provide an example of the financial mechanism we use to minimize risks in the Bitcoin exchange rate. Since the first century, civilizations have used some form of derivative financial instruments. Today, hedging has become so complex, that even our own fund managers would be hard pressed to explain how hedging plays out in different markets. So, if you are not familiar with the workings of the modern economy, this word might intimidate you. The good news is that our hedging strategy is very straightforward; so simple that even a schoolboy could understand it. Consider that you have multiple currencies and each of these is constantly jumping the other in value. If you decide to put all of your savings into a single currency, you have tied all of your risks to the value of that one currency. If, on the other hand, you spread your savings around to multiple currencies, you have reduced your risks. For example, let’s say you own shares in a company. You are nervous about how that company is going to perform, so you decide to diversify and buy shares in multiple companies to spread out your potential for loss or gain. Basically, this is a simple kind of hedging. Thus, the essence of hedging is to reduce the risk of failure while offsetting potential losses or gains. Consider that you have multiple currencies and each of these is constantly jumping the other in value. If you decide to put all of your savings into a single currency, you have tied all of your risks to the value of that one currency. If, on the other hand, you spread your savings around to multiple currencies, you have reduced your risks.  Let’s illustrate the point further with more relevant examples. Watch out! You might believe there is a mistake or magic taking place. But really it's just math. We have simplified all the numbers to keep the calculations basic--so you can focus on the concept. In reality, it is a bit more complex than the example. Let’s assume a monthly profit of 10% from initial deposit. Suppose we have the two investors: Ben and Douglas. Ben has deposited 1 Bitcoin (BTC) and Douglas has deposited $ 1,000. They will withdraw their deposits and interest a month later. In this scenario, the Bitcoin exchange rate, at the time they made their deposit with CRYPTORY®, was $ 1,000 per 1 Bitcoin. At the end of the month, when Ben and Douglas decide to withdraw their principal deposit and interests: Ben should get 1.1 BTC and Douglas — $ 1,100. Let’s say for this 1 month, we have generated a 0.2 BTC. If, at the end of a month, the exchange rate has not changed — 0.2 BTC can be divided into 0.1 BTC and $100 USD because the exchange rate is 1BTC/$1,000. So it makes sense to pay to our investors $1,100 and 1.1 BTC. «Okay», you say, «But what about the fluctuation in the exchange rate? What if the exchange rate drops? The money generated by mining 0.2 BTC is not enough to pay the return on Douglas’s interest!?» Now imagine that at the very beginning of the month, when exchange rate was 1BTC/$1,000, Ben deposited 1 Bitcoin, and we exchanged 0.1 BTC from his deposit for $100 USD. The result was that we have 0.9 BTC and $100 earlier in the month. We work until the end of the month and then ... oops, there is a drop in the exchange rate! The Bitcoin rate of exchange drops to $500 per 1BTC which means one Bitcoin = $500USD! However, we are still able to fulfill the conditions of the contract with Ben and Douglas: Now calculate everything that CRYPTORY® has: First, it has the 0.2 BTC generated despite the falling of the market: Exchange rate variations do not affect mining. Also we have 0.9 BTC (Bob’s deposit minus 0.1 BTC (which early in the month we exchanged to $100). So we have 0.2 BTC + 0.9 BTC = 1.1 BTC. Also, we have $1,000 (Douglas’s Deposit) + $100 (0.1 BTC, which was exchanged early in the month). So, in total we have $1,100 and 1.1 BTC. The 1.1 BTC we give to Bob and the $ 1,100 goes to Douglas. The terms of the contract are fulfilled. «Well,» you say, «What about growth in the exchange rate?» – It works the same, in either scenario. Try to do these calculations with any finite exchange rate. Even if the Bitcoin rate rises or falls a million times, it will not affect the amount you deduced. The result will always be the same: investors get their guaranteed income, and we as a company can manage the fluctuation in Bitcoins to offset any losses or gains. We have hedged our risks. Exchanging 10% of Bob’s contribution for dollars, we minimized the risk. The total of Bitcoin deposits and US Dollar deposits will never be equal at any given time. The Bitcoin exchange rate is driven by the mining of coins, which is not as easy to understand. Additionally, this article does not address how profits are spent on developing new technology and computing power to mine more Bitcoins. Hedging is a method of risk management that the company uses to protect deposits made by CRYPTORY® clients. Thank you for staying with us!

It is nice that Cryptory cares  about clients and explain why interest stays the same even Bitcoin exchange rate is jumping. But again I do not think that anyone reads long newsletters like this. In century when time have more value then money I think there is no need to send this long newsletters to people - they will not read them anyway.


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