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Setting goals for the new year is a tradition dating back around 4,000 years ago to the ancient Babylonians. Like it or not, the attention surrounding New Year’s resolutions has become a constant cycle of overhype and failure. We typically only hear about this tradition the last week of the year and the first week of a new year. The media typically doesn’t report about the efforts or results between then. One study from 2014 showed that 2 out of 3 people fail their resolutions. Here are a few strategies and applied examples I have used to accomplish my New Year’s resolutions over the years. …


Wyoming might seem like an unlikely capital for crypto in the US. It is the least populated state with only 577,737 people and isn’t a place where one can find an abundance of national headquarters for banks or tech startups. However, the state’s government has a track record of enacting legislation that is favorable to businesses.

This has continued into 2019. Earlier this year, Wyoming enacted 13 crypto-friendly laws, one of which allows fully-reserved fiat banks to become a custodian for crypto assets. Under the new law, institutions can apply to be designated as Special Purpose Depository Institutions (SPDIs). This landmark decision doesn’t just impact Wyoming. …


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On October 25, I wrote a story about the Medium Partner Program (MPP) updates. In that piece, I explained what changes writers should expect. Now, three weeks on, I wanted to write this article to discuss how things are shaping up under the new system. Writers, has your experience been the same or different? Comment to let me know what your experience has been like.

Pay For Reading Time, Not Claps

This is definitely the biggest change with the new system. So… are the results positive, negative, or about the same? For me, the changes seem to be positive. …


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Debt is ingrained in the fabric of the United States, from student loans to credit card bills to over $23 trillion in national debt. It’s no denying that it is a part of the national economy and virtually impossible to eliminate. When considering various choices for loans, two things are important to note.

First, the ability to qualify for loans is reliant upon credit scores. This determines the interest rate of the loan. Second, interest rates can vary quite a lot. For many people who can’t qualify for long-term loans and need access to cash immediately to pay bills, payday loans may be the only option. The glaringly obvious issue with payday loans is their high-interest rates, which equate to modern-day highway robbery. …


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Summary Of The Strike and Official Contract

On October 17, 2019, after several months of failed negotiations with Chicago Public Schools and the city, teachers belonging to the Chicago Teachers Union formally organized a strike. Academics, sports, and college prep programs for around 350,000 students and their families were temporarily suspended for eleven days as a result.

On October 30, members of the union’s governing body voted in favor of a tentative agreement with the city. As a result, on October 31, the strike ended. Before the terms of the contract could be officially enacted, more than 25,000 union members had to vote. Around 80% of schools reported their tallies on November 15. …


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Insurance policies have been around since pre-history. In the barter economy, people would commit to rebuilding houses for their neighbors in cases of natural disasters. Public granaries existed to serve as a way to protect communities against famines. In the modern monetary-based economy, insurance for bank accounts has become standard in many countries.

The launch of Bitcoin in 2009 changed the monetary economy, allowing individuals to have complete ownership and responsibility of their own assets. However, no insurance policies existed. This meant that issues like stolen private keys and phishing attacks lead to people losing their digital assets. …


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Photo by Austin Distel on Unsplash

Although Europe has a number of innovators, this talent hasn’t translated to the world of tech startups. There are a few notable exceptions. Well-known unicorns like Spotify and Klarna demonstrate why Sweden has a bustling startup scene. Germany has N26, Trivago, and HelloFresh. Still, the continent’s startup scene mostly falls behind other regions of the globe. Why is this the case? Could an increase in VC funding change this?

No European Startups In CNBC Upstart 100

On November 12, CNBC released its Upstart 100 list. All entries on the list raised $50 million or more in venture capital funding. …


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Photo by Manny Pantoja on Unsplash

Whether you’re someone who is thinking about becoming a freelancer or have years of experience as one, it can sometimes be hard to relate to people haven’t done or want to do freelance work. These are a few statements that have been said to me personally or about freelancers in general over the years.

Here’s why they are wrong.

1. Freelancers are lazy.

This statement might hurt the most. The idea that freelancers are lazy or unmotivated is hard to get past. The reality is that most freelancers are exactly the opposite. In my opinion, this stereotype stems from the sometimes inconsistent work schedule.

A freelancer might have to work 14 hours one day and 2 hours the next. …


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The term “fake news” gained popularity during the 2016 US presidential election. Since then, politicians have been talking about it almost non-stop. This isn’t just a political issue. It’s also causing major damage to brands and directly leading to distrust of digital media and platforms by audiences. Is disinformation just a short-term setback, or is it a problem that will be around for decades to come?

How Widespread Is Fake News?

Determining whether or not technology can eliminate fake news requires an understanding of how extensive the problem really is. The Global Disinformation Index, which was founded in 2018, conducted an extensive study on fake news a.k.a. disinformation. …


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The concept of organizations has historically centered around a rigid ownership structure. In the past couple of decades, companies have begun to introduce open, flatter organizational structures that allow more people within the company to have their voices heard. Ultimately, however, it is usually the responsibility of one person or a small group of people to make decisions for the entire organization.

When we look at major corporations, well-defined hierarchy is the standard. After all, Apple, Google, and Facebook have a CEO, CTO, and CMO as well as directors, managers, and corresponding subordinates. Early startups and large companies alike have clearly defined ownership and leadership structures. …

About

Delton Rhodes

Writing and reading about startups, SaaS, blockchain, e-commerce, real estate, and more.

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