Society as a Scapegoat

by Casio Wiser

I tear away at an unseen scar

Brought upon by times afar

Alone from the world to keep me sane

For scarred up tissue pillows my brain

Words and thoughts dealt by others

My meaning for living and breathing it smothers

Self image lies tattered esteem is worn

Mind left fragmented emotion is torn

Until a void is left and must be filled

Will all this negative hearsay you’ve willed

Me to believe I am what you say

I live by your standards so why live for today

All forms of art are subject to interpretation. Simple words interpreted a thousand different ways by a thousand different scholars but what is was the authors true intent?

COIL SUBSCRIBERS FIND OUT........

Gutter

by Casio Wiser

This façade is merely a state of mind

Brought upon by words unkind

Throughout my pores tears flow free

Enacted by sins forsaken by me

Eyes run dry I seek no blame

Cold affirmations secure my shame

Battered and down my will they bend

Result desperation my life I end

Cruelty run rampant but at what cost

Just look at all of the lives we’ve lost

All forms of art are subject to interpretation. Simple words interpreted a thousand different ways by a thousand different scholars but what is was the authors true intent?

COIL SUBSCRIBERS FIND OUT........

Woes Regret

by Casio Wiser

Shadowed by emotion lies the frailty of mine heart

**Memories still hold together what you have torn apart
**

**Metronome ticking losing seconds off our time
Fingertips grasp to no avail to getting what is mine
**

**Doubt overwhelming as anxiety takes control
Light the candle behind these eyes, set afire my soul
**

**Fill my void with love give meaning whilst I live
Exhaust my will to serve I shall give all I can give
**

For that my dear lovely is the sweetest told romance
It shall all be yours my love give this boy a chance

All forms of art are subject to interpretation. Simple words interpreted a thousand different ways by a thousand different scholars but what is was the authors true intent?

COIL SUBSCRIBERS FIND OUT........

Old Souls New Life

by Casio Wiser

Preface

Our love is like the universe always expanding towards the limits of endlessness stuck in moments of timelessness as we partake upon a journey where our souls intertwine in a dance of sensuality and heightened spirituality we transcend space and time into a nothingness where you are I and I am you together as one we are each other's everything.

Your beauty induces visual intoxication

Intelligence accentuated by graceful sophistication

Foreign born girl yet such a familiar face

All too familiar timing all to familiar place

Almost as if we've been here before

History repeating for a thousand lives or more

The world melts into you as I get lost in your gaze

Moments slip to hours and hours pass to days

Where amber meets sky flickers a familiar light

Picking up where past lives end as two old souls reunite

Words flow seamlessly in a two person symphony

Have I met this girl before? A recurring epiphany

All forms of art are subject to interpretation. Simple words interpreted a thousand different ways by a thousand different scholars but what is was the authors true intent?

COIL SUBSCRIBERS FIND OUT........

Parasite

by Casio Wiser

Each time you breathe you take me in

Exhausting all waste yet leave me within

Till complete I have left you and riddled with sin

Ascend to your surface and burst from your skin

All forms of art are subject to interpretation. Simple words interpreted a thousand different ways by a thousand different scholars but what is was the authors true intent?

COIL SUBSCRIBERS FIND OUT........

Life After Google:

by George Gilder

Summary

The author begins by discussing the paradigm shifts in capitalism that have evolved over time with the advent of technology. The “freemium” stage, which is what we are in now monetizes a consumers information in a complex maze of constantly evolving terms of service cleverly disguised as a free good or service. This has created centralized monsters of the most notable are known as FANG (Facebook, Amazon, Netflix, Google). With the good “free” comes the bad as our privacy is forfeited for the sake of capitalism as the organizations infestuously inject themselves willing or unwillingly into our lives.

Enter Stage Left: The Blockchain Economy

https://gph.is/g/ZlGzNYa

The world in which we live in is changing as blockchain and cryptocurrencies are taking the world by storm. 1's and 0's are the new Robin Hood for the masses making cost competitive solutions for the poor that take from the wealthy. This book goes into their origin, evolution, and predicates their place in our future. HELL, even like five Satoshi Nakomotos show up including the ever present Craig Wright.

This book definitely is worth a read...or listen if you are lazy like me. If I would have had to read words it would have only gotten three stars but since a soft spoken gentleman whispered these sweet nothings in my ear I give this book a solid four stars

CHECK OUT LIFE AFTER GOOGLE ON AUDIBLE

COIL SUBSCRIBERS FIND OUT WHERE RIPPLE'S XRP FALLS INTO THIS BOOK BY READING BELOW.....................

Garden of My Heart

by Casio Wiser

In a garden you seek what you sow
So plant a seed in me
Take care of and nurture me
Take heed and our love will grow

Our love now comes to birth
As seedling takes to earth
And soon our love will grow

Newborn takes to bloom
Fiery love consume
Look now for our love has grown

Petals blossoming

Because you’re everything

In love you seek what you sow

All forms of art are subject to interpretation. Simple words interpreted a thousand different ways by a thousand different scholars but what is was the authors true intent?

COIL SUBSCRIBERS FIND OUT........

What Santander Zero Remittance Fee Means To You

• Image Source- Isle of Wight Observer*

Imagine being able to send money for free to a family member or friend who lives abroad. This is the reality that Santander's account holders are enjoying after the Spanish bank's decision to slash commissions, allowing Mexicans who live abroad to send money to their families at zero fee commission.

President Andres Manuel Lopez Obrador of Mexico recently confirmed the move by the bank. He quoted a promise that Ana Botin, Santander's executive chairman, made earlier in 2019 to drop all charges on remittances for Mexican citizens sending money home from the U.S. A tweet posted by the Mexican president also revealed that Santander would also offer competitive exchange rates to sweeten the deal further.

The program will be rolled out in all of Santander's branches in the U.S, while recipients will be able to withdraw money from any of the bank’s branches in Mexico. This means that it will be easily accessible to all of the bank’s customers in the two countries.

Who will benefit from the zero remittance fee?

The obvious beneficiaries here are Santander’s clients who work in the U.S but still support their families in Mexico. The zero remittance fees will encourage them to send money regularly, and this is also a good thing for those in Mexico because the financial boost only improves their lives but also gives them a chance at starting their businesses in the country.

However, there is another major beneficiary, and it is Santander. Charging no remittance fees is an aggressive competitive strategy that is designed to undercut the competition. The move will likely encourage more people to join the Mexican bank as customers so that they can enjoy the benefit of sending money for free. More customers also mean that the bank will likely improve its marginal profits since it will have more people subscribed to its services. The move also solidifies the bank’s relationship with Mexico’s current government since it is focused on improving the livelihoods of the people.

Mexico is currently one of the largest markets for remittance services. About US$27.0 billion was sent to Mexico through remittance services from January to September 2019, according to data released by Banco de México, Mexico’s central bank.

Santanda also has plans to strengthen its presence in the remittance space by expanding the One Pay FX program into apps for mobile platforms to facilitate digital transfers. It plans to make this happen in 2020, and the Mexican bank also plans to make One Pay accessible to its U.S customers by 2021.

Santander’s disruptive plan will likely affect consumer demand

Santander’s decision to slash remittance fees might have a bigger impact than anticipated. Of course, the first major impact on consumers is that they will want to enjoy the services that offer the cheapest fees for the most convenience. The recent move elevates Santander as the new value king as far as remittance services in Mexico, and with the push to make its U.S customers access similar services, the best is yet to come.

Low or zero remittance fees will likely encourage shoppers in Mexico to shop more from the U.S since they will not have to spend more to cover hefty transaction costs. This could further promote e-commerce in Mexico since locals will enjoy more banking and remittance convenience.

How XRP is involved in Santander’s remittance services

Ripple Labs has established itself as a powerful and disruptive force in the fintech industry. It is, therefore, no surprise that it is one of Santander's partners, and the two aim to bring more efficiency into remittance services. The extent of their partnership goes deep enough that the One Pay FX platform is based on the xCurrent software, which is one of the fintech offerings by Ripple. However, xCurrent and other offerings from Ripple have now been amalgamated into RippleNet as one solution.

Image Source- CryptoNinjas

Santander’s use of Ripple’s blockchain-based solutions is a big deal because it means the Mexican bank can leverage the efficiencies of the decentralized ledger technology. This allows clients such as Santander to offer faster transactions at a lower cost. In this case, the Mexican bank seems to have brought down the cost so much that it can facilitate zero commissions on remittance.

Is XRP involved in Santander’s partnership with Ripple?

Ripple is well known for developing XRP and XRP ledger, which have also been used in some of its fintech solutions. However, XRP is not involved in Santander’s One Pay FX platform contrary to what many people might think, and there is a good reason for that.

Santander’s One Pay FX solution uses xCurrent, which does not run on the same technology as XRP ledger despite them being solutions that were developed by Ripple. Instead, xCurrent was built on Interledger, a distributed ledger that was built by Ripple executives but is operated by the World Wide Web Consortium (W3C) group.

Image Source-Medium

There is a good reason why Santander decided to use xCurrent and not an XRP-based solution, XRP is based on the XRP ledger, and a cryptocurrency-specific ledger is limited as far as interoperability is concerned. However, xCurrent is built with interoperability in mind. Specifically, to facilitate interoperability not only for all cryptocurrencies but also for fiat currencies. This makes it a superior and more appealing option for the banking and finance industries.

xCurrent’s interoperability support for fiat also delivers unparalleled flexibility because it allows inter-bank transactions, especially when dealing with different currencies. For example, a bank in one country can send the money in Euros, and the recipient bank can receive the amount sent in dollars if that is their preference. xCurrent also comes with a messaging platform that facilitates the communication of vital information between banks. This type of solution makes sense for Santander as it pursues its goal of being one of the best in the cross-border remittance industry.

Since xCurrent also supports cryptocurrencies, it can facilitate the trading of Ethereum, Bitcoin, XRP, and others. The fact that they can be operated within the same network is the closest link between Santander and XRP.

COIL SUBSCRIBERS READ BELOW TO FIND OUT WHY THIS MATTERS SO MUCH...........

ABSTRACT

Multi-level Marketing (MLM) is a scheme to sell services or goods via a network of distributors. It is also known as Network Marketing or Direct Sales. Usually, the Multi-level Marketing program functions through recruitment. By becoming a distributor with the direct selling company, money can be earned through selling the MLM's products. The MLM programs run in all fifty U.S. states. These are referred to as “affiliate marketing” or “home-based business franchising.”

MLM’s are incredibly inexpensive to join, as becoming a distributor is much less expensive than initiating your own business or buying a franchise. Also, Multilevel Marketing programs are meticulously constructed with appealing rewards making them more desirable.

How many levels are in a multi-level marketing program?

The Multi-Level Marketing Program can be based on varying network levels. There is always the primary owner who hires other distributors, who can further engage other distributers. Multi-level marketing (MLM) is also known as pyramid selling or network marketing. The basic structure of a multi-level marketing programs begins with sales companies that hire a distributor. The distributor, also known as the sponsor and is likely to employ other distributors. The sponsor is also responsible for training and motivating the new distributors. These distributors, in turn, will get a percentage of their sales and receive dividends when sales quotas are topped. When these distributors further hire other distributors, the primary sponsor will also benefit from the new sales.

Businesses can use a multi-level marketing program with a minimal amount of capital investment, which can be even less than one hundred dollars. For instance, The Bonafide multi-level marketing programs permit a distributor to sell a service or product without recruiting others. Some of the most applied examples of MLM programs are: The UniLevel MLM Plan that allows the sponsor to only one line of distributors. Then each individual can relate this Unilevel Plan to newcomers. If there is no limitation, this plan will grant each member to add as many downlines. The Party MLM Plan encourages the Multi-level marketing business through the organization of social events. It helps MLM companies to launch their products to the people through meeting with them or getting in touch. It is the newest concept of MLM strategies.

THE PROBLEM

Multi-level marketing (MLM) is a strategy that directs sales companies to encourage existing distributors to recruit new distributors who are paid a percentage of their recruits' sales. The recruits are the distributor's “downline.” Distributors also make money through direct sales of products to customers. The MLM schemes have hundreds or thousands of representatives worldwide, but only a few earn good incomes from their efforts. The Multi-level marketing is a good business strategy, but that is debatable. The biggest problem is that it uses money from recruits to pay top tier people rather than people who work. These policies require gaining from people by feigning to be involved in network marketing or legitimate multi-level operations. Also, many pyramid schemes try to operate under the MLM banner, and many MLM schemes are hence considered pyramid schemes.

THE SOLUTION

Apply micropayments and fractionalization of revenues to increase the reach of payouts to members of the distribution web. This can be applied to the standard cookie model for web based affiliate marketing, referral programs or any program where organic growth by distributors or consumers is incentivized. Because incentives are the primary drivers for these types of programs by extending the reach of incentivized influence albeit even with micropayments will facilitate additional means of passive income that would otherwise be lost because of the limitations of the dollar.

COIL SUBSCRIBERS FIND OUT HOW……….