CAUTION: DO NOT GIVE YOUR PERSONAL INFORMATION TO 5BILLION SALES, OR ACCEPT THEIR COOKIES!

You can keep your crumbling cookies, 5Billion Sales!

By Dennis Dames

It's Thursday September 22, 2022 - heading on to two months since the arrogant and shameless criminals at 5Billion Sales MLM Program locked-out many thousands of well-intentioned affiliates - on August 01, 2022.  They did this after taking us through a fraudulent verification process - where they with ill-intentions, collected our personal information.

They are now saying that they are conducting a manual verification from their back office on every locked-out affiliate, and will contact us accordingly when that exercise is completed.  I doubt that that will ever happen.

The 5Billion Sales criminal organization has already directed all of our affiliate tagged URLs to their main page.  That was the plan all along - in my humble opinion.  It's a typical strategy of crooked MLM operators; to use innocent folks to build their elaborate Online scam establishment, and reap a whole lot of undeserved traffic.

To add insult to injury, they have included an "ACCEPT COOKIES" BUTTON to their website!  DON'T ACCEPT 5BILLION SALES POISONOUS COOKIES.

5BILLION SALES OWE A GREAT LOT OF AFFILIATES COMMISSIONS - WHICH WAS DUE ON AUGUST 25, 2022!  WE HAVE SOLD YOU OUR BROWSING DATA AND  REFERRED OTHERS TO YOUR NO GOOD PROGRAM, AND WE WANT TO GET PAID, 5BILLION SALES!

Keep connected with this blog for further details and info on this monumental 5Billion Sales MLM scam.

Authorities in Asia are increasingly sensitive to the rising risks posed by crypto as adoption continues to spread

Crypto regulation, and regulatory frameworks are underway in several countries including India, Vietnam and Thailand

To be fully effective, crypto regulation should be closely coordinated across jurisdictions

The extent of integration of crypto into the financial system in Asia 

Crypto is More in Step With Asia’s Equities, Highlighting Need for Regulation

By Nada Choueiri, Anne-Marie Gulde-Wolf and Tara Iyer

Crypto trading volume, and co-movement with equity markets, has surged in the region.

Few parts of the world have embraced crypto assets like Asia, where top adopters include individual and institutional investors from India to Vietnam and Thailand.  This raises the important issue of the extent of integration of crypto into the financial system in Asia.

While digitalization can aid in the transition to an environmentally-conscious payment system and also foster financial inclusion, crypto can pose financial stability risks.

Before the pandemic, crypto seemed insulated from the financial system.  Bitcoin and other assets showed little correlation with Asian equity markets, which helped diffuse financial stability concerns.

Crypto trading, however, soared as millions stayed home and received government aid, while low interest rates and easy financing conditions also played a role.  The total market value of the world’s crypto assets surged 20-fold in just a year and a half to $3 trillion in December.  Then it plunged to less than $1 trillion in June as central bank interest rate increases to contain inflation ended easy access to cheap borrowing.

While the financial sector appears to have been insulated from these sharp movements, it may not be in future boom-bust cycles.  Contagion could spread through individual or institutional investors that may hold both crypto and traditional financial assets or liabilities.  Large losses on crypto may drive these investors to rebalance their portfolios, possibly causing financial-market volatility or even default on traditional liabilities.

As Asian investors piled into crypto, the correlation between the performance of the region’s equity markets and crypto assets such as Bitcoin and Ethereum has increased.  While the returns and volatility correlations between Bitcoin and Asian equity markets were low before the pandemic, these have increased significantly since 2020.

For example, the return correlations of Bitcoin and Indian stock markets have increased by 10-fold over the pandemic, suggesting limited risk diversification benefits of crypto.  The volatility correlations have increased by 3-fold suggesting possible spillovers of risk sentiment among the crypto and equity markets.

Key drivers of the increased interconnectedness of crypto and equity markets in Asia could include growing acceptance of crypto-related platforms and investment vehicles in the stock market and at the over-the-counter market, or more generally growing crypto adoption by retail and institutional investors in Asia, many of whom have positions in both the equity and crypto markets.

Using the spillover methodology developed in our January Global Financial Stability Note, we also find that the rise in crypto-equity correlations in Asia has been accompanied by a sharp rise in crypto-equity volatility spillovers in India, Vietnam, and Thailand.  This indicates a growing interconnectedness between the two asset classes that permits the transmission of shocks that can impact financial markets.

Accordingly, authorities in Asia are increasingly sensitive to the rising risks posed by crypto as adoption continues to spread.  They have therefore dialed up their focus on crypto regulation, and regulatory frameworks are underway in several countries including India, Vietnam and Thailand.

A significant effort is also needed to address important data gaps that still prevent domestic and international regulators from fully understanding ownership and use of crypto and its intersection with the traditional financial sector.

Regulatory frameworks for crypto in Asia should be tailored to the main uses of such assets within the countries.  They should establish clear guidelines on regulated financial institutions and seek to inform and protect retail investors.  Finally, to be fully effective, crypto regulation should be closely coordinated across jurisdictions.

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Now is the time to build a digital lifeline – before the next disaster hits

Secure and resilient internet infrastructure is a fundamental necessity

The world needs a digital lifeline

By RICCARDO PULITI

This piece was originally published on Project Syndicate on July 19, 2022.

In periods of crisis, digital technologies provide a lifeline that keeps people, communities, and businesses functioning.  From the COVID-19 pandemic to violent conflicts and natural disasters, being connected has allowed us to continue working, learning, and communicating.

How policymakers have responded to these emergencies has played a large part. In particular, as a new paper by the World Bank Group’s Development Committee shows, more agile regulation has accelerated digitalization and unleashed innovation.  In today’s global context of several overlapping crises, this needs to become the norm.  Secure and resilient internet infrastructure is a fundamental necessity.

During the pandemic, as more and more of our lives went online, internet usage spiked worldwide. In 2020, 800 million people went online for the first time, and 58 low- and middle-income countries used digital payments to deliver COVID-19 relief. 

To manage that surge, governments and regulators in more than 80 countries moved quickly to change rules, including those governing the allocation of radio spectrum – the electromagnetic waves used for wireless communications.  In Ghana, regulators assigned temporary radio spectrum to networks in high demand, and all mobile-service providers were granted permission to expand coverage.  This resulted in better-quality service for more than 30 million mobile subscribers, letting them “go” to work, learn online, and access essential services.

Agile regulations have also helped digital technologies offer critical support to people in fragile and conflict situations.  In Ukraine, the presence of a strong internet connection through satellite links, even while terrestrial infrastructure is under attack, has enabled the government to communicate with its citizens in real time.  At the beginning of the war, shelling and cyberattacks were predicted to take down the internet, but innovations such as the satellite hookups have kept the country online.  Here, too, the Ukrainian government moved quickly to speed up permissions and adapt rules.

But a digital lifeline is effective only if it is safeguarded from cyberattack, something that Ukraine knows well.  For many years, the country has been a testing ground for strikes on infrastructure.  Hackers carried out waves of attacks that hit Ukraine’s distribution centers, call centers, and power grid.

And it’s not just Ukraine.  All countries are vulnerable to these incursions.  The United States fell victim to cyberattacks last year that took down its largest fuel pipeline, leaving many Americans in long lines to fill their gas tanks.  And in Africa, Kenyan internet users endured more than 14 million malware incidents in 2020.

Like cyberattacks, nature can cause damage to communications infrastructure that demands an agile reaction.  A volcanic eruption in January this year sent the island nation of Tonga into digital darkness.  The eruption cut Tonga’s single undersea telecom cable and threw the country into 38 days of isolation from the internet and much of the outside world.  This crisis has prompted discussions about how to strengthen the network and emergency-response systems, so Tongans are not at risk of digital darkness again.

To mitigate such vulnerabilities, unleashing digitalization needs to be a high priority even in periods of relative calm.  Potentially transformative yet fast-evolving technologies require policymakers to promote financing, regulations, and institutions that make it easier to test out new ideas in real life.  Some countries are starting to make progress.  Kazakhstan is using agile regulation to digitalize, decentralize, and decarbonize its vitally important energy operations.

Unlocking the potential of digitalization for the masses through well-targeted regulation can also help close the digital divide and improve welfare.  

Recent research has shown that the availability of cheaper internet access increases employment among low-income households.

Countries such as Saint Vincent and the Grenadines and Malaysia provide low-cost plans for poorer users.  

Digital access is essential for people all over the world, especially residents of under-connected rural areas, the poor, women, and the displaced.  In Nigeria and Tanzania, poverty rates fell by seven percentage points in areas with internet connections.

With the world facing multiple emergencies, policymakers need to mobilize digital connectivity to improve the daily welfare of the most vulnerable populations.  Right now, innovation is moving so fast that many officials, especially in developing countries, are finding it hard to keep up and ensure that the benefits of digitalization reach the people who need them most.

But we should not need a crisis to accelerate the transformation.  Now is the time to build a digital lifeline – before the next disaster hits.

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Read more about the World Bank’s work on digital development and the digital lifeline that proved crucial in the pandemic in this recent paper on digitalization and development.

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How to Build Trust Online

Trust: An Obstacle and an Opportunity for Digital Transformation

Low trust, in short, is an obstacle to digital transformation

By Benjamin Roseth

It is well understood that digital transformation can build trust between citizens and the state.  It improves service delivery, transparency, and the efficiency of public expenditure—all of which contributes to greater citizen trust in government.

But trust is also critical to allowing the process of digital transformation to occur in the first place, and Latin America, the least trusting region in the world, is notably behind global leaders in taking advantage of digital technologies to modernize government and business.

Low trust, in short, is an obstacle to digital transformation.  It is also a problem that digital transformation can help overcome.

We delve into this conundrum in a chapter of the recently-published Development in the Americas report on trust.  Here’s what we found.

Low-trust People Use Digital Services Less

Using digital services requires leaps of faith.  Users must believe that the good or service will be delivered as promised, even though in many cases they cannot actually see what they are purchasing.  They often must pay up front, requiring them to trust providers to fulfill their commitment (e.g., to send a product in the mail).  Furthermore, they have to trust that providers will be responsible stewards of the personal data they provide.  It is perhaps intuitive, then, that low-trust people, who make up the majority of Latin Americans, would be reticent to use digital services.  This is precisely what the data show. 

There’s another rub: many Latin Americans value inefficiency.  Sixty-two percent of citizens in seven Latin American countries believe that barriers to access have to be high (lots of requirements, complex forms) in order to prevent fraud in service delivery.  Digital services naturally have lower barriers to access than equivalent in-person services, which low-trust people may perceive as making them more vulnerable to fraud.

Roots of Mistrust Online: Privacy Concerns and Poor User Experience

Mistrust fuels reluctance to use digital services in Latin America and the Caribbean and part of the reason seems to lie in a disconnect between what people say, and what people do.

On one hand, Latin Americans overwhelmingly state in surveys that they trust neither public institutions nor private companies to treat their personal data responsibly.  On the other, they are avid users of services that are based on the aggressive usage of personal data, such as those of Facebook and Google.  If privacy concerns were really so important, these companies’ business model—known as surveillance capitalism—simply wouldn’t work.

So, then, what is driving low uptake of digital services?  Consider your own experiences.  If you go online with your bank, attempt to transfer money between accounts, and the website freezes, would you try a second time?  If you try to access a digital public service, and the forms don’t fit on your smartphone, would you think about going to an office instead?  This is precisely what happens to many Latin Americans: In a 2020 survey, nearly half of users of digital public services reported having difficult experiences.

Users Have Good Reason to be Concerned

Whether or not citizens’ doubts about privacy are backed by their behavior, Latin Americans generally should be concerned about trust online.  This is because the invisible foundations of digital security—data protection and cybersecurity—are weak in most countries.

Data protection: As of late 2020, 14 out of 26 countries in the region had no data protection laws in effect. Even in the 12 of 26 countries that do have a legal framework for data protection, the laws are often outdated or insufficient to grapple with the complex situations that the digital economy presents. In only nine of the 12 countries with laws is there any implementation capacity.

Cybersecurity: Out of 32 countries in the region, 25 do not have a critical infrastructure protection plan, 12 lack cybersecurity incident response teams, 20 do not have a national cybersecurity strategy, and 22 do not have a government entity in charge of national cybersecurity management.  There are sitting ducks everywhere.

How to Build Trust Online

There are some concrete actions that can help the online environment be (and seem) more trustworthy, and thus boost uptake of digital services:

1. Start with user needs.  Digital services must be designed with users in mind, iteratively testing and modifying, striving for the user experience of all services to be on par with those of the digital giants.
2. More information and transparency.  Crowdsourced rating systems and customer reviews, like those on Amazon, help customers and providers bridge the anonymity of the internet.  Status trackers help users see that providers are working on their requests.  Tools like Estonia’s personal data portal allow citizens to see what government institutions are accessing their information and why.
3. Stronger data protection and cybersecurity.  The less people hear about public institutions and companies playing fast and loose with their data, or about massive hacks, the more likely they’ll be to use online services.

Low trust is getting in the way of the uptake of online services.  Investing in these measures would help overcome trust shortfalls, and thus contribute to unleashing the potential of digital transformation for development.

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Why Promote for Durable and High-Yielding Success on the Internet?

Advertise Online for Pleasingly Profitable Returns

By Dennis Dames

The Web is the new and promising social and commercial village where smart people of the world gather in mass - all day and everyday - for business, opportunities and pleasure.

It is a bustling place where worthwhile bargains, quality goods, top notch services, and successes flourish.  Customers, opportunity seekers, and advertisers welcome the cutting-edge Online technology; and the field is always wide-open for everyone to improve their quality of life through rewarding and profitable links.

Dennis Dames is at you service in the assistance of your Internet marketing, advertising and promotion campaigns - through an expanding Network of enterprising people and businesses of like mind, high traffic search engines and directories, productive and profitable social media groups, and fruitful linkages and connections generally - on and off the worldwide Web.

DAD connects Net customers with their desired business, product or service through an ever-growing interactive base of ambitious opportunity seekers and worthy opportunities, intelligent buyers and reputable sellers; and the latest consumer trends and information in the commercial Web world.

The more fruitful leads, sales and subscribers to your business enterprise - the more pleasing income and profits realized.

Prudent and competitive Online marketing, advertising and promotions are reliable, effective and essential tools in the generation of new business and handsomely rewarding returns.

Remain productively involved in the market with an ever-active leads and sales generation campaign on the Internet. We are ready to assist.

We Be Prospecting

Prospecting is Our Business

By Dennis Dames

We are not alone in our respective search for new and bankable leads to our enterprise. The most successful lead-generation businesses On and Offline - are the trusted ones.

Trust, is the most valuable asset of any business, because it’s the lifeblood of continuous lead generation. For example, Coca Cola is known to be the premier cola in the world; it has survived profitably through the generations - and is enjoyed very much today, and now more than ever - by the young and old alike.

There is no doubt that the Coca Cola company has done and is doing a remarkable job in building and maintaining its most trusted brand - throughout the world. It’s deeply ingrained in just about every nation on earth.

There are many examples of other leading companies that have successfully established their brand and trust thereof in the heart and soul of popular culture. They include: Burger King, KFC, Pizza Hut, Taco Bell, IBM, BMW, British Airways, Carnival Cruise Lines, Kraft, Nabisco - and a whole lot more.

Prospecting is their life! They have an active website with a top-level domain and they literally live with us; we see their ads on television everyday, we hear their promotional messages on the radio, we see their advertisements in the print media, we purchase their products and services often, their foods and drinks are part of our regular diet, their latest updates are in our inbox on time, and the list continues with all the useful prospecting tools available to them.

Entrepreneurs, affiliate marketers, MLM promoters and other small business folks can learn a great lot from the examples of the larger, seasoned, and profit-making prospect-hunters. They make themselves known at every golden opportunity, as they are highly confident in their brands and services.

Prospecting is about reaching out and letting people know who you are - and representing your product and service in the most convincing fashion. It’s a lifelong routine which reaps pleasing returns - with a gainfully dynamic strategy in place.

The more known and used a business, product or service is in the market, the greater its chances of ongoing success. If consumers are satisfied with a product or service - chances are they will become repeat customers; and they will certainly pass the good news on to their family members, neighbors, coworkers, associates and acquaintances. That’s what keeps an entity successfully alive and moving from strength-to-strength.

Let’s create, practice and nurture our uniquely innovative prospecting approach for lasting rewards. It’s the proven paying road to business sales success. Embrace it now - in our various On and Offline promotional campaigns.

See you at the top of the class.

The Internet doesn’t sleep, but people do

The Internet doesn’t sleep, but every marketer, advertiser, promoter, consumer and all other Net clients certainly do

The selling focus must be on where the likelihood of profitable sales, prospective patrons and quality subscribers dwell at the various times of the day, week, month, and on special occasions

By Dennis Dames

Online marketing, advertising, promoting and selling of goods and services are eternally in an intensively competitive state. Consumers, Web window-shoppers and other users are also everlastingly engaged in some kind of activity on the Web - all day and everyday without a break.

This doesn’t mean that one can make satisfying sales all day, and everyday - without interruption. Prudent Internet marketers, advertisers, promoters and sellers of goods and services are consistently following the dynamic trends and behaviors of Online patrons and potential ones. It’s their lifeblood to do so - so to speak.

As Web users increase, so does the potential to make more sales. But those who seek to capitalize successfully, must have a solid money-making strategy in place.

To formulate an ever-paying strategy to attract and maintain more customers and sales - it must be known where the marketing, advertising, promoting, and selling - focus, time, energy and budget will be spent- for the maximum returns.

The focus must be on where the likelihood of profitable sales, prospective patrons and quality subscribers dwell at the various times of the day, week, month, and on special occasions.

Additionally, an experienced seller is cognizant of the ideal times to communicate professionally with existing clients, and to generate pleasing sales in the most worthwhile and lucrative segments; because they keep apprised of the latest analytics involving every aspect of the buyers’ behavior and preferences - and that of Web users in general.

The Internet doesn’t sleep, but every marketer, advertiser, promoter, consumer and all other clients certainly do. So, prepare accordingly and wisely for a life of business sales success on the worldwide Web.

Continue to learn the business and develop your uniquely innovative touch; and keep current on the latest innovations, tricks, news and reports of the industry - and recognize that operating in the right place at right time is key to marketing, advertising, promoting, and selling success on the Net.

All the best, and see you at the top of the class.