Take Advantage of the Greatest Opportunity to Come Around in Our Lifetime

In 2017, the crypto-currency market sky-rocketed to new heights! Had you invested $1,000 in Bitcoin at the beginning of that year, you would have had $13,180 at the end of 2017. However, had you invested that same amount ($1,000) in Ripple (XRP), you would have had $360,180.

Today, you can buy Ripple (XRP) for $0.420239 per coin or acquire 1,000 coins for a mere $420; 500 XRP coins for $210.  An investment in Stellar Lumens (XLM)—my favorite coin—in 2017 of $1,000 at the beginning of the year was worth $144,410 at the end of 2017. Today, you can purchase 1,000 XLM coins for under $130. An investment of $1,000 in NEM (XEM) at the beginning of 2017 was worth $298,420. Today, you can acquire 1,000 XEM coins for under $100.

If you were inclined to purchase 1,000 coins of XRP, XLM, and XEM, your total financial commitment would be around $650. If you only want to risk $500, purchase 500 XRP coins and 1,000 of the other two; or, if $250 is more affordable, just purchase XLM and XEM. The upside is substantial; the downside is less than $1,000. Now is the time to buy, before the “institutional investors” start pouring in.

“Fidelity, which has $2.46 trillion (trillion!) in assets under management, has opened a crypto trading desk for ‘select’ customers (read: high rollers) . . .  Now imagine if Fidelity just put 2% of its [funds under management] into the crypto market. That would be $49.2 billion [with a market cap of $171.4 billion for the entire crypto market].”   First Stage Investor, May 2019

The Stansberry Digest is promoting a new crypto-currency service touting an expert who believes that Bitcoin, after reaching lows of $3,600 per coin, is on its way back to $25,000 per coin by the end of 2019. As of this writing, Bitcoin is trading around $8,000. Also, 2019 may not be the magic year; and, if not and you have positions in crypto, sit tight and wait it out!

If you are not sure how to get started, go to our website ( and read some of our past newsletters; and/or, for $4.99 (kindle edition) or $9.99 (paperback), purchase a copy of Unlock the 4-Doors to Financial Independence, specifically Chapter IV; when success strikes over the next several years, you will certainly benefit by reading Chapter V.

As one commentator pointed out, after the increase in value of crypto-currencies in 2017, Ripple (XRP) gained more in one year than Apple had in its entire existence. This opportunity to get in on the ground floor with minimal financial commitment—money that you normally waste and can afford to lose—just may turn out to be a very monumental success!?!  

As Ben Franklin once said, “Nothing ventured, nothing gained.”

Dum Spiro Spero—While I breathe, I hope.

Slainte mhath,

Robert G. Beard Jr., C.P.A., C.G.M.A., J.D., LL.M.

4-Cent Crypto You May Want to Buy Now!

Time New Bank (TNB) has a market capitalization of $84,084,299 and its coins/tokens are selling for under 4-cents.  In May of 2010, Bitcoin was under 1-cent, got to 8-cents by that July, and, almost reached $19,000 per coin in 2017. As of this writing, you could purchase one Bitcoin for $7,433.

Time New Bank (TNB) is recommended by two Bitcoin and Crypto-Currency multi-millionaires who have a lot of experience in this area. Time New Bank is an Asian company “using blockchain technology to allow celebrities to sell time—in the form of personal interactions—with their fans.”  This is a huge business in the East, “where fans crave up close, face to face time with stars they love.”  English is supported by the app and they have bought billboard space in Times Square.  As one so-called Crypto Expert stated, “The potential for this platform is limitless because it allows developers to create applications on it, tapping into the motherlode of innovation that is the crypto space.”  I have no idea what that means?!  However, let’s look at a $40 and $400 commitment to this new token TNB.

For $40 you can buy 1,000 tokens and for $400 you can buy 10,000 tokens; I just bought 1,000 tokens on the BINANCE exchange with Ethereum (ETH) and because of the potential upside I’m going to show you, I am upping my financial commitment to $400 so I have at least 10,000 TNB tokens.

Let’s say that TNB rises in price to $2.00 per token.  If you bought 1,000 coins you would have $2,000; if you had committed $400, you would have 10,000 coins worth $20,000.  At this point, we could then sell half of our coins for $1,000 ($40 cost) or $10,000 ($400 cost); a gain of 2,400%.  We are then left with either 500 TNB tokens or 5,000 TNB tokens; and, a sizable profit and our speculative capital returned.

What happens if the TNB tokens start selling for $50.00? We then have another profit opportunity.  Sell half of our coins for another quick profit of $25,000 for 500 tokens and $250,000 for 5,000 tokens. Now you can see why I am willing to spend $400 rather than $40!

You are now left with either 250 TNB tokens or 2,500 TNB tokens.  If TNB only rises to $100 per token, a fraction of what Bitcoin is currently worth, you would have another $25,000 (250 tokens) or $250,000 (2,500 tokens).  Then we have another decision to make; at least we hope it gets this far!  

The upside is substantial, while the downside is $40-to-$400!  Please read our last two free newsletters which explains how to buy these crypto-currencies and lists our favorite seven coins/tokens.  The newsletters are available at

Good luck to us all!

Dum Spiro, spero—While I breathe I hope.

Slainte mhath,

Robert G. Beard Jr., C.P.A., C.G.M.A., J.D., LL.M.