Stand Down


“We will not tolerate actions that go against the fundamental principles of the oath we share, including actions associated with extremist or dissident ideologies,” the memo reads. “Service members, DoD civilian employees, and all those who support our mission, deserve an environment free of discrimination, hate, and harassment.”

Austin writes in the memo that the stand-down is the first step in “what I believe must be a concerted effort to better educate ourselves and our people about the scope of this problem and to develop sustainable ways to eliminate the corrosive effects that extremist ideology and conduct have on the workforce.”


Strength is important because it facilitates a free democratic republic. A country based not only on laws, but on precedent. It gives me hope to see these critical issues addressed seriously.

A third of Coronavirus patients admitted to ICU – Lancet Medical Journal – Jan 2020

A familiar cluster of pneumonia associated with coronavirus
progression of the Coronavirus in a patient over time
This is the progression of the Coronavirus in a patient over time. This is why we quarantine.

I’m stunned by this: “Lancet, the British medical journal, published an article in January, based on studying a small group of patients, which found that a third of people (infected with the coronavirus) had to be admitted to intensive care units.”

The reason that stuns me is it is from January and it is now March. We lost significant time in responding to an obvious issue of a lack of Ventilators and ICU beds are vastly insignificant for that level of infection.

That quote on Covid-19 is from today’s NEW York Times article March 20, 2020 titled “Behind the Virus Report That Jarred the U.S. and the U.K. to Action”

Statistics from the Imperial College of London predicts what an uncontrolled spread would mean. This data is from the WSJ article (this will NOT happen, this shows what COULD have happened without non-medical intervention.)

  • 510,000 deaths in Britain
  • 2.2 million deaths in the United States

I repeat – the ABOVE predictions will NOT happen because of non-medical intervention. It does represent what could have happened. And the final numbers, while less than the above, will be greater than they needed to be.

Back to the WSJ article:

The (now debunked) theory (ignoring coronavirus) is that this would build up so-called “herd immunity,” so that the public would be more resistant in the face of a second wave of infections next winter.

Dr. Ferguson has been candid that the report reached new conclusions because of the latest data from Italy, which has seen a spiraling rate of infections, swamping hospitals and forcing doctors to make agonizing decisions about who to treat.

My opinion: Let me translate the phrase “build up ‘herd immunity’” – because I went to Texas A&M with a BS in POLS and my wife is an Agricultural Science major as well. “Herd Immunity” basically means building up immunity, in the absence of a vaccine, “culling of the herd” or “survival of the fittest” or “the weak or those predisposed to the virus will die.” – Ed


“Based on our estimates and other teams’, there’s really no option but follow in China’s footsteps and suppress.”

My opinion: Let me interject here again. If the public had known that up to 1/3 of all patients with the coronavirus needed treatment in an ICU with ventilators, I’m going to guess we wouldn’t be where we are now. Back to the article. – Ed

…the burden on hospitals was clear as far back as the original outbreak in Wuhan, China. Lancet, the British medical journal, published an article in January, based on studying a small group of patients, which found that a third of people had to be admitted to intensive care units.

I can’t help but feel angry that it has taken almost two months for politicians and even ‘experts’ to understand the scale of the danger from SARS-CoV-2,” said Richard Horton, the editor-in-chief of Lancet, on Twitter. “Those dangers were clear from the very beginning.”

(PDF on Coronavirus from Lancet, search for more.)

My Opinion: My understanding from reading the above article, is that the Lancet feels their advice was ignored for two months and our leadership didn’t take it seriously, causing greater pain. I get that.

This is what your lungs look like with the Coronavirus (Covid-19)

COVID-19 Lung Scans Through the Treatment Process

Like all Global Citizens, I believe we are in an unprecedented time. I hope and pray the miracle of humanity can solve this pandemic as soon as possible.

I’ll do my part as best I can. – Ed

Cryptocurrency – What it Means for Central Banks, Companies and Associations – Presentation for LACCNYC

Cryptocurrency Global Impact

We all know what cyrpto currency assets are at this point, but to correlate current events with the role of International Central Banks and International Trade is indeed complex. This presentation was for the Luxembourg American Chamber of Commerce in New York City. It does assume a baseline understanding of international finance and the role of Central Banks, Securities and International Trade.

Some highlight slides followed by the embedded presentation from slideshare. Note: these are NOT all of the slides from the presentation, so be sure to view the embedded presentation on cryptocurrency on linkedin.

Title slide on Cryptocurrency for companies, associations and the impact on central banks and international finance
How to finance wars 101 – the conspiracy of paper and Ron Paul’s take on the correlations

An excellent read on this topic is the conspiracy of paper.

The following slide is CRITICAL to understand the differences between how Central Banks functions versus how Cryptocurrency functions. Although people are working on options that reduce the all-or-nothing nature of the change. (see slidedeck for more)

Central Banks versus Cryptocurrency – a line by line comparison. Focus on the “Monetary Policy” part.

OK, WHAT IS CRYPTOCURRENCY?! Speak English Please!? This is the way I try to explain cryptocurrency in plain language so that normal people can understand it. This is the simplified explanation of cryptocurrency:

Think of crypto in 3 parts, just like a library book you check it out (object), sign the slip (ledger) and agree to return it by Friday (the smart contract).

Where does cryptocurrency come from and why should I care anyway? Let’s start with the “who makes this stuff?” question. Because that is the important part. It’s all about CONTROL.

Crypto – “Proof of Work” (I did stuff that was hard) or “Proof of Stake” (I’m Mr. Big so I give you paper money, like the Federal Reserve bank.)

The above slides highlight some of the critical slides in the presentation on slideshare on cryptocurrency as presented to LACC-NYC by Ed Schipul. The presentation, with some sensitive slides redacted, is embedded below.

You can access the CryptoCurrency Presentation directly on slideshare at

Note: This was sponsored by Tendenci – The Open Source AMS (Association Management Software) and the Luxembourg American Chamber of Commerce of New York City is a Tendenci client. The presentation was done at no cost for LACCNYC and I did not, and the company did not receive any compensation. I just like economics, associations, and crypto in addition to my various other interests. (Although to be fair, I have made some $$ from crypto trading from studying patterns in publicly available data sets. I mean, why learn ML/AI if you can’t use it a bit….)

Ed Schipul on linkedin.

In CyberSecurity We Have a Problem. It is US!

Internet Crime Report Breakdown

In cybersecurity, as confirmed by the latest report on Internet fraud from the FBI for 2017, the problem is humans. I’ve highlighted the top 5.

Internet Crime Report Breakdown

FBI Internet Crime Report 2017


The greatest financial losses from cybersecurity breaches, the top 5 cyber intrusion methods, all have one (1) thing in common. The number 1 issue is we don’t keep our email secure and we lack common sense..

Plus email is based on an ancient protocol that was never designed for security. (facepalm)

/snark/ No way! TLS is only responding on 587!? Nobody will ever figure that out. /end-snark/

In short – I can barely find the humor in this.  The problem is – you, me, and all of us. Grifters are part of life. We have to adapt.

So this was OUR day. Honestly, pretty typical. Graphed. And this is filtered for noise already (excludes honeypot and silly scans, but includes most of the rest.)

Blockchain, Cryptocurrency, Consensus tokens, Russia and AMS systems

tendenci cloud security monitoring

The headline is ridiculous. But I couldn’t make this up in my wildest dreams. Yes, cryptocurrency, blockchain, and association management systems (AMS) are all interconnected. And the primary connection is Russia.

Stay with me for a second, get a cup of coffee, and read on.

First cryptocurrency isn’t a thing. It’s two parts. I try to explain cryptocurrency like this:

  1. BlockChain = Clipboard with a piece of paper. You check stuff in and out until you are out of paper. Some clipboards have more sheets of paper than others.
  2. Scarcity – Scarce object = some mathematically difficult to produce number. Or controlled by an authority like the Private Federal Reserve in the US.

Picture a clip board. And you are checking in and out some token. That token only has value if it delivers value. And the best way to determine that is really a classic economics popularity contest.

Note: This author does a GREAT job of explaining concensus capital:

These are not tulips. Blockchain is a tech that will disrupt everything from how we do a Turn-Around at the Olefins units at LyondellBassell, to how BP manages wind farms, to how carfax will be disrupted by a VIN blockchain startup.

What does this have to do with Association Management Systems?

Believe it or not, they are intertwined. So be careful on your selection of crypto for smart contracts. I’d recommend looking at HyperLedger  ( as an alternative to Russian Bank backed by Dmitry Buterin and his son Vitalik’s Ethereum .  ( )

Not everyone in the crypto community is fond of Ethereum and Russian owned AMS Wild Apricot, now Personify, even in the crypto community. ( )


If you can’t access the code, self host if you want, and export ALL of your data when you want, well, why not? Why does anyone in the NonProfit / NPO / NGO / Association Management space tolerate that in 2018? It is 2018, right?

If you signed up with a company where the deal was “too good to be true”…. um…. ya, think that one through again. They have to pay people, so they are either funded by someone, or they are selling your data.

YOU are part of the problem with InfoWars and Propaganda in the US. (is that too blunt? Nope.) For example: Wild Apricot / Personify.

Wild Apricot, Russia, AMS
25% of American Constituents in Russian Backed Wild Apricot

Ethereum is at least open source ( ) so you can view the code. With the exception of Tendenci ( ) and CiviCrm, ( ) most AMS vendors aren’t open,  not even ones created and financed by Russia and the Chief Apricot ( ), who is also coincidentally the father of Vitalik himself ( ).

On the plus side, after years of joking about it, for once we can legitimately blame Canada and their dual-citizenships.

We’re building a wall with Mexico and allowing Russian company’s interests to mine Uranium ( ) in the US. And Russian programmers to control 25% (according to the Personify web site ) of US Constituents like Washington’s League of Women Voters ( ) .

And then we act surprised that Russia is meddling in our elections and knows know how to target voters.. Baroo?

These are strange times. But yes, Canada? I’m looking at YOU!

And as a reminder, as if y’all needed me to state this again, but we strongly encourage you to use an OPEN SOURCE solution with transparency. If it’s Tendenci, WordPress, Drupal, CiviCRM, Joomla,

Just please stand up for what’s right.

Demand access and transparency.

Tendenci is a movement.

Tendenci is a community committed to open association technology.

Global. Multilingual. Collaborative. Positive. Respectful of your privacy and functional at a level as you would expect from a product approaching 20 years old.

FCC Repeals Net Neutrality because … WHY?

The FCC has repealed Net Neutrality as pressured by Congress and the President. Just … wtf?

HOWEVER: Note: Congress just passed a tax law nobody really understands. And economists have no idea if the projections are in any way realistic. They literally do NOT know what will happen, just that they lowered corporate taxes and eliminated the health care mandate. I’ll get back to that topic.

To distract all of us, in obvious post-dystopian style, they repealed NetNeutrality. Hence everyone who cares about equality and has a voice is now distracting everyone from the tax bill which reduces equality further. #awesome

From the NYT on the repeal of Net Neutrality by Ajit Pai of the FCC

Here are …. well at least as many as they can figure out, the congressmen who voted for it and just how much money they were paid to do it.

Net Neutrality works like this.

You go to the gym. You pay for a gym membership. The gym is a business and it’s gotta pay the bills. I’m cool with that. When you lift, there is etiquette..  but basically we all share the same machines or weights. Sometimes we have to wait in the same line if the gym is busy. That’s life.

Now…. imagine going to the gym in an alternate universe without Net Neutrality. It works like this:

Or…. if you are poor. Or small. Or different. You can only use the first three machines and you have to wait to do it.

If you are middle class, you get to use the first 6 machines but you also have to wait,just not as long.

BONUS ROUND! – If you are in Government or RICH you get to use all 500 machines at the gym with no wait.

The site describes it like this;

Cable companies are famous for high prices and poor service. Several rank as the most hated companies in America. Now, they’re lobbying the FCC and Congress to end net neutrality. Why? It’s simple: if they win the power to slow sites down, they can bully any site into paying millions to escape the “slow lane.” This would amount to a tax on every sector of the American economy. Every site would cost more, since they’d all have to pay big cable. Worse, it would extinguish the startups and independent voices who can’t afford to pay. If we lose net neutrality, the Internet will never be the same.

They literally just broke the Internet. #WTF

I’m speechless. Excuse the pun. But feel free to google a few terms.

And the tech sector should realize it’s own values: if Apple doesn’t think it’s worth a few Billion Dollars of repatriated earnings to defend Net Neutrality and support the EFF, if Zuckerberg doesn’t buy his own congressmen, if Microsoft doesn’t use it’s leverage to defend free speech, then Silicon Valley needs to accept that WE ARE PART OF THE PROBLEM.

the plural sector; rebalance

Each of us personally, and all of us together, require attention to three basic needs: protection, provided primarily by our governments; consumption, provided primarily by our businesses; and affiliation, found especially in our communities.

With regard to the last of these, between our individualized and collective natures, we are social beings who crave human relationships: we need to belong and identify, especially in a world of so much isolated individualism. Accordingly, a healthy society combines respected governments in the public sector, responsible businesses in the private sector, and robust communities in the plural sector. Weaken any one of these and a society falls out of balance.


If the private sector is about individual ownership and the public sector is about collective citizenship, then the plural sector is about shared communityship.16

CIVIL SOCIETY – Time for the Plural Sector, Henry Mintzberg