Learning to code can be tough under any circumstances. But living in a major city with pollution, stress, cars honking and tons of distractions from friends and family members can make matters even worth. That is why we created the Puerto Rico Coding Bootcamp. During a recent interview with the New Theory Podcast I spoke about how we combine an education and a vacation to create a special augmented learning experience. It is a mixed between a study abroad program and a corporate retreat where you learn new skills like cryptocurrency, virtual reality, react js, mongodb, artificial intelligence and a whole lot more. We want you to learn to code in paradise. To learn more about the Puerto Rico Coding Bootcamp goto http://caribbean.institute/
Snowball Launches Simplest Way To Invest in Crypto Indices
The selection process for investing in individual tokens is fraught with uncertainty and suffers from uneven regulation. Selecting winners from losers and trying to time the market has proven incredibly difficult. However, actively-managed portfolios often underperform, not to mention that the fees they charge can significantly impact any investor gains. As a case in point, globally-recognized cryptocurrency hedge fund Pantera Capital’s Digital Asset Fund has underperformed against bitcoin, dropping 26% last May compared with bitcoin’s decline of 15%. Nobel laureate Eugena Fama and Kenneth French carried out a study which found that only 2% of the 3,156 fund managers they examined had statistically significant evidence of success, and concluded that a portfolio of low-cost index funds is likely to perform as well as a portfolio of the top 3% of actively-managed funds and better than the other 97%!
Snowball Selection Process
The Snowball team is consistently observing the cryptocurrency market, looking for new entrants into the index space, then performing the necessary fund evaluation and selection process to bring new portfolios onto our platform. While the effort to evaluate indices is expected to be ongoing, since the methodologies of indices do not change, the effort is singular, allowing significantly more coverage by a smaller team, while providing broad market coverage across the entire spectrum.
Snowball employs a strict selection process to assure that portfolios listed on its platform meet a high standard of quality. We have identified the following critical evaluation criteria as the baseline for our selection process.
The app, who has established major partnerships with Kraken, PrimeTrust (SEC qualified custody ensuring money of investors are stored safely) Plaid and Bittrex boosts one, easy to use place for investors to begin their crypto investing journey. They aim to not only make mass adoption possible but to also make it as seamless and easy for the investor to find success by handling most of the due diligence on the back end of the app. Following in the footsteps of Vanguard’s John Bogle who pioneered traditional index fund investing the Snowball app strictly offers bundled investment options or what they call ”crypto portfolios”, all of which have been hand-selected and heavily vetted by their team of professionals and are set to automatically rebalance to follow the fund’s allocations. Taking out the guesswork and extensive research needed to figure out which tokens to buy and sell
The mobile app was approved earlier this year by the SEC as a Registered Investment Advisor, becoming one of the first platforms of it’s kind to be registered with the SEC and allowing them to make investment recommendations through their mobile application. Snowball is now available for download on Apple App Store for people based in the US.
“I’m excited to see the launch of Snowball’s new smart crypto investment automation platform because it will finally provide Main Street investors with access to sophisticated investment and trading strategies for crypto assets.” Brian Kerr, CEO of Kava.io and Investor in Snowball
SCIA empowers everyone to invest intelligently and efficiently in cryptocurrency. We have ‘smart technology, now it’s time to implement ‘smart investment.’
So, what is ‘smart investment’?
“It’s about finding someone whose livelihood is trading in cryptocurrencies; someone who has access to information; someone who has that ivy league degree; who has an evolving investment thesis and is doing diligence on every single token, reading all the whitepapers and shaking the hands of those CEO’s and teams. You need to consistently track their progress and create your own research and thesis-based off that information; subscribe to that.” –Parul Gujral
So, with Snowball, it’s as simple as downloading the app, connecting your bank account that you use every day, choosing the portfolio you want to invest in, and then sitting back to watch your portfolio snowball and grow.
Users of Snowball can also look forward to features like tax optimization, tax-loss harvesting, staking and their investments paying them interest which are set to be released on their platform in the coming months.
Impacts Of AI On Society
Over the next five years, we are about to witness the world we live in entirely disrupted by improvements in artificial intelligence (AI) and machine learning. Children today are growing up with AI assistants in their homes (Google Assistant, Siri and Alexa) — to the point that you might consider their mere presence an extension of co-parenting. As voice and facial recognition continue to evolve, machine learning algorithms are getting smarter. More and more industries are being influenced by AI, and our society as we know it is transforming.
The transportation industry looks like it will be the first to be completely disrupted by artificial intelligence. In fact, a lot of the impact of AI is already taking place. Uber and Lyft are both working on self-driving technology. GPS navigation software company Waze (which was acquired by Google in 2013) quietly released a new app called CarPoolthat converts its 50-plus million users into drivers and allows users to commute to work together for a fee. Waymo (formerly the Google self-driving car project) recently reached 5 million miles driven on public roads.
It seems that Tesla has already beaten most other competitors to market with its autopilot feature. Tesla now has over 300 million miles driven on autopilot, and all Tesla vehicles on the road today are only a software update away from fully autonomous driving capability. Tesla is also looking to disrupt the trucking industry with its new autonomous vehicle called the Semi. Walmart says it’s already preordered 15 of Tesla’s electric/AI-powered tractor trailers.
It is not a matter of if but when these companies can perfect the technology and cut through government red tape.
Think about how many hours of human productivity can be saved when we put an end to mindless driving and commuting through city traffic?
The automation of the ride-hailing economy is not only going to save society time, but it’s also going to reduce the cost of transportation drastically. Soon enough, requesting a self-driving vehicle will cost as much as taking the bus, and driving a car is going to be as antiquated as riding a horse and buggy.
The next industry disrupted by artificial intelligence is the criminal justice system. Advancements in facial recognition are making the fingerprint obsolete. Tech startups are using AI to automate legal work. Meanwhile, some courts are already using AI to sentence criminals and determine parole eligibility.
But the criminal justice system is the one area where too much innovation could be a terrible thing for society and lead us into a dystopian future if we are not careful. At this year’s SXSW, Elon Musk said, “AI is far more dangerous than nukes. Far. So why do we have no regulatory oversight?”
Without proper government regulations of artificial intelligence and machine learning, we are at risk of major disruptions to our democracy:
• Does the government’s use of AI require a warrant to search your online data?
• Can AI be used to listen in on American citizens’ phone calls without a warrant?
• How can you subpoena an AI algorithm to testify so you can face your accuser in a court of law?
• How do we handle malpractice when AI recommends improper handling of a legal case?
These are just a few of the legal questions raised when introducing autonomous, decision making technology into our criminal justice system.
One potential solution is to keep these government systems open source so that the code can be scrutinized for built-in biases.
In 2016, software used across the country to predict recidivism of people eligible for parole was found to be biased against African Americans. Unfortunately, when your data is biased, it can create biased algorithms. Keeping this type of software open source would allow the public to inspect and improve the algorithms so that they are fair and balanced.
Finally, artificial intelligence is going to take targeted/personalized advertising to a whole other level. If you think the Facebook Cambridge Analytica scandal was bad, then you have no idea what’s in store in the next decade.
Advertisers are already able to predict what types of ads emotionally impact your purchasing behavior. As time goes on, ads are going to continue to become more tailored to the individual. Imagine Amazon’s Alexa slipping sponsored messages into a natural conversation or personalized augmented reality billboard ads that know you by name (think Tom Cruise in Minority Report).
Ads are going to continue to become smarter and more embedded in our daily lives thanks to AI. Machine learning algorithms are building personality profiles on every human being. The amount of data collected by advertisers continues to grow. Related product recommendations, search results and social news feed items are all examples of places where advertisers are embedding smart ads that use AI to target you as an individual consumer.
Slowly, these AI algorithms can learn your behavior, and before you know it, they know you better than you know yourself.
Even today, the impact AI is having on our society cannot be ignored. However, if you want to have a competitive edge and you are willing to prepare for these changes now, there is still plenty of time to be ahead of the curve.
Current: An App That Will Reward You Up To $600 for Doing What You Already Do Each Day
Recently, reward applications have become a trend in app stores as “side hustle” culture has grown. Unfortunately, a lot of these reward apps have a habit of feeling very “spammy”, and it is quite challenging to find one that not only offers a decent user experience but also has legitimate rewards. Fortunately for all of us side-hustlers, there is an app that’s actually worth its salt.
Current is one of the leading apps in the streaming space for the fact that they have found a way to reward consumers for simply streaming their favorite music. While there are ways to earn a bit faster by completing surveys or other small tasks, you can still earn up to $600 a year by just listening to music like you usually do. Completing any of the other tasks is completely optional.
This is awesome because rewards apps usually are constantly interfering with the experience of the user popping out ads at the most unpredictable and inconvenient moments. Pop up ads are perhaps one of the most annoying features an app can have, and Current is gloriously free of any of these. People don’t want to be forced to do something, and Current makes it so if a user engages with an ad, then they did so on purpose, not because they accidentally tapped the screen at the wrong time.
Current is an app that doesn’t require you to change anything in your lifestyle. The only thing that Current needs a user to do is to download the app and stream their music just as they always would. Nothing in their daily life changes besides the fact that they now earn rewards while streaming their music.
So just how does this work exactly?
Simple. First, a person needs to download the Current app from either the Apple App Store or Google Play. Next, they create an account within the app, and right after signing up, the user is given a digital wallet. This is where the rewards will stack up and be collected. Lastly, stream your favorite music through your favorite music platforms and begin earning rewards as you stream!
Stream culture has taken the world by storm. Forget cable and forget the radio. Now people have the ability to listen and watch what they want when they want. It’s no question why people have made such a giant shift to music/video streaming. Since it’s so new, there are many things that could be improved, and that’s just what Current has done.
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