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About Kelker11

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  1. How do you know that a bank isn’t already using it? Just because a name hasn’t been announced yet doesn’t mean it isn’t happening. Besides, this is an investment so stop looking at message boards for your financial advice.
  2. I posted your quoted comment. And to be clear, I have not seen any comments about DS that weren't positive, or I would have protested that also. But, if the DS comments offended you, why didn't you report them? This community needs to stop attacking its members. I may disagree strongly with your comments or ideas, but the negative personal attacks need to stop.
  3. This is unacceptable behavior. Sam is a member of this community and has done nothing to deserve comments like this. So what if you don't agree with what he says or the videos he produces? That does NOT give you the right to malign someone's character or make veiled accusations towards them. Moderators, why are you allowing this? Is this the type of behavior on XRP Chat now acceptable?
  4. Thanks for posting this @PhiGuy. It was a very informative video.
  5. Yes, I have anti-virus and a firewall. I need to download the malware program (though my security software is suppose to scan for that). No updates to the Ledger Wallet since February 2018. I ran the scan logs through VirusTotal. Nothing was flagged. I also emailed Ledger. I'm waiting on a response at this time. If the information below is not what you're looking for, please let me know. And thanks for all your help. I appreciate you guys! This is the threat that was deleted: Starting Routine> Removing c:\program files (x86)\ledger wallet ripple\ledger_wallet_ripple.exe...#(PX5: 8607DBFE208EC160AEF5666A9EB9080C67105881 - MD5: 451E4AA149DE916A0B94F152AF2F9758 - UniqueID: 0E61FBB8)... Deleting File> c:\program files (x86)\ledger wallet ripple\ledger_wallet_ripple.exe Deleting File> C:\ProgramData\Microsoft\Windows\Start Menu\Programs\Ledger Wallet Ripple.lnk Deleting File> C:\Users\Public\Desktop\Ledger Wallet Ripple.lnk And the scan log: Thu 2018-08-09 03:47:45.0359 WF Configuration : 0x1E7 Thu 2018-08-09 03:47:46.0899 WF Configuration : 0x1E7 Thu 2018-08-09 03:47:47.0324 >>> Service started [v9.0.21.18] Thu 2018-08-09 03:47:47.0324 Version state: PBN: 09001512, DBN: 09001426, HVN: $Revision: #25 $ Thu 2018-08-09 03:47:47.0544 User process connected successfully from PID 1976, Session 1 Thu 2018-08-09 03:47:48.0459 Connecting to 96 - 96 Thu 2018-08-09 03:47:57.0852 Global Data: GCV: 1.0, $Revision: #20 $, GCS: 0x00000001 Thu 2018-08-09 03:47:57.0852 Global Data: GCV: 1.0, $Revision: #20 $, GCS: 0x00000001 Thu 2018-08-09 03:48:02.0665 User process connected successfully from PID 0, Session 0 Thu 2018-08-09 03:49:44.0914 Begin passive write scan (1 file(s)) Thu 2018-08-09 03:49:45.0838 End passive write scan (1 file(s)) Thu 2018-08-09 03:52:50.0206 Scan Started: [ID: 311 - Flags: 551/0] Thu 2018-08-09 03:52:50.0658 Agent Bits : 72057594037927941 Thu 2018-08-09 03:56:35.0431 Begin passive write scan (2 file(s)) Thu 2018-08-09 03:56:36.0882 End passive write scan (2 file(s)) Thu 2018-08-09 03:56:38.0498 Begin passive write scan (5 file(s)) Thu 2018-08-09 03:56:41.0702 End passive write scan (5 file(s)) Thu 2018-08-09 04:02:00.0518 Connected to C20 Thu 2018-08-09 04:02:00.0596 Infection detected: c:\program files (x86)\ledger wallet ripple\ledger_wallet_ripple.exe [SHA256: 893FA0E65BD3124F3A1BD7ED25938B58D639A671BD0B65BF406DF0329716A497] [MD5: 451E4AA149DE916A0B94F152AF2F9758] [3/00091000] [W32.Adware.Gen] Thu 2018-08-09 04:02:00.0941 Scan Results: Files Scanned: 41674, Duration: 9m 10s, Malicious Files: 1 Thu 2018-08-09 04:02:01.0023 Scan Finished: [ID: 311 - Seq: 232185723] Thu 2018-08-09 10:01:32.0655 User process connected successfully from PID 0, Session 0 Thu 2018-08-09 10:01:32.0656 User process connected successfully from PID 5308, Session 1 Thu 2018-08-09 10:01:45.0095 Scan Started: [ID: 312 - Flags: 551/16] Thu 2018-08-09 10:06:22.0365 Infection detected: c:\program files (x86)\ledger wallet ripple\ledger_wallet_ripple.exe [SHA256: 893FA0E65BD3124F3A1BD7ED25938B58D639A671BD0B65BF406DF0329716A497] [MD5: 451E4AA149DE916A0B94F152AF2F9758] [3/00091000] [W32.Adware.Gen] Thu 2018-08-09 10:06:22.0670 Scan Results: Files Scanned: 49076, Duration: 4m 37s, Malicious Files: 1 Thu 2018-08-09 10:06:22.0822 Scan Finished: [ID: 312 - Seq: 232207585] Thu 2018-08-09 10:06:40.0818 Determination flags modified: c:\program files (x86)\ledger wallet ripple\ledger_wallet_ripple.exe - UniqueID: E6A03F89, MD5: 451E4AA149DE916A0B94F152AF2F9758, Size: 208055840 bytes, Flags: 00000020 Thu 2018-08-09 10:07:11.0201 Performing cleanup entry: 2 Thu 2018-08-09 10:07:47.0206 Scan Started: [ID: 313 - Flags: 551/144] Thu 2018-08-09 10:11:28.0803 Scan Results: Files Scanned: 48683, Duration: 3m 41s, Malicious Files: 0 Thu 2018-08-09 10:11:28.0939 Scan Finished: [ID: 313 - Seq: 232207892] Thu 2018-08-09 10:13:00.0573 Saved updated configuration Thu 2018-08-09 10:16:05.0285 Scan Started: [ID: 314 - Flags: 551/0] Thu 2018-08-09 10:19:42.0537 Scan Results: Files Scanned: 41955, Duration: 3m 37s, Malicious Files: 0 Thu 2018-08-09 10:19:42.0708 Scan Finished: [ID: 314 - Seq: 232208385] Thu 2018-08-09 12:54:10.0416 Begin passive write scan (3 file(s)) Thu 2018-08-09 12:54:11.0449 End passive write scan (3 file(s)) Thu 2018-08-09 12:54:22.0426 Begin passive write scan (3 file(s)) Thu 2018-08-09 12:54:22.0991 System shutting down. Thu 2018-08-09 12:54:23.0463 End passive write scan (3 file(s)) Thu 2018-08-09 12:54:25.0674 Configuration Saved: CSCS51E12FCC8F90889244755FA136AE864C,00011,00021,00031,00041,00051,00061,00070,00081,00091,000A1,000B1,000C1,000D0,000E1,000F0,001025,001117,00120,00130,00140,00151,00161,00170,00181,00191,001A0,001B0,001C1,001D0,001E0,001F1,00201,00211,00221,00231,00240,00251,00260,00270,00281,00291,002A0,002B1,002C1,002D0,002E1,002F1,00301,00311,00321,00331,00341,00351,00361,00371,00381,00390,003A1,003B1,003C2,003D1,003E1,003F1,00401,00411,00421,00431,00441,00451,00461,00471,00481,00491,004A1,004B1,004C1,004D1,004E1,004F1,00501,00511,00521,00530,00541,00551,00561,00571,00581,00591,005A1,005B1,005C0,005D0,005E0,005F0,00601,00613,00620,00630,00641,00653,00663,00673,00681,00693,006A0,006B0,006C1,006D2,006E0,006F0,00701,00711,00720,00730,00741,00753,00760,00770,00781,00791,007A0,007B0,007C0,007D0,007E0,007F0,00800,00810,00820,00830,00840,00850,00861,00870,00880,00891,008A0,008B0,008C0,008D0,008E0,008F0,00900,00910,00920,00930,00940,00950,00960,00970,00980,00990,009A0,009B0,009C0,009D0,009E0,009F0,00A00,00A10,00A20,00A30,00A40,00A50,00A60,00A70,00A80,00A90,00AA0,00AB0,00AC0,00AD0,00AE0,00AF0,00B00,00B11,00B20,00B30,00B40,00B51,00B61,00B71,00B80,00B90,00BA0,00BB0,00BC0,00BD0,00BE0,00BF0,00C00, Thu 2018-08-09 12:54:25.0674 Thu 2018-08-09 12:54:25.0674 <<< Service shut down successfully. Uptime: 546 minute(s)
  6. Windows 7 and Webroot Secure Anywhere. How do I get a copy of the file? My antivirus software deleted it.
  7. Didn't even occur to me, but I will. Thanks.
  8. Just wanted to give everyone an FYI concerning a strange thing that happened to my Ledger Wallet exe file. This morning I got up and started watching a movie on my laptop. This is my primary computer, and it's only used by me. After the movie ended (I was watching in full screen mode), I noticed that my security software light was notifying me of a problem (Webroot Secure Anywhere). After clicking the link, I was informed that I had malware on my computer, and I started the security scan. As it turns out, the malware was in my Ledger Wallet exe file. The scan removed the file which deleted the malware. I just wanted to let everyone know to watch for weird stuff like this. I don't go to dubious sites. I stick with the basics like Youtube, Yahoo, Amazon, and XRPChat. I haven't used my ledger program since I put my xrp on it in February. And between last night when I shut down my pc and this morning when I powered up, there is nothing that should have exposed my pc to any kind of malware. I thought it was especially strange that it targeted my Ledger file. I'm not a techie by any means, but this is surprising to me as I've never really had any type of malware or virus issues...especially any that targeted something so specific. Anyway, keep your eyes open...weird stuff is afoot.
  9. I couldn't find worldwide stats, but I did find stats for the U.S. here: https://www.finder.com/why-people-arent-buying-cryptocurrency According to this article, in the U.S., only 7.95% have purchased crypto, and of those, only .85% have invested in XRP. The article has charts that break down by gender, generation, and crypto. It also has a survey of the reasons why people aren't buying crypto. I did read somewhere that the U.S. only has 5% of the world's population so this is in no way representative of overall investments, but it's still interesting information.
  10. As a female, I got involved for several reasons.... 1) I worked in the banking industry for 30 yrs before retiring and that banks are even looking at Ripple/XRP is huge. Think of banks like lumbering old dinosaurs: They don't like anything new or improved unless everyone else is already doing it (new things have to be guaranteed to work). They never spend money unless they have no choice. And they'll test new products or service ideas to death before it actually get implemented. Yet banks the world over are looking into Ripple and XRP. 2) It's as close to a sure thing as I've ever seen. I could argue why, but we all already know the whys. 3) The company is solid. I've never seen a more adept team. All of them seem to have backgrounds that were made for this company, and the products they launch. 4) The ideas and software Ripple are developing are incredible. Truly a trendsetting company. 5) And it just feels right. Like its time for blockchain and digital assets to be a thing. Not an adrenalin junkie, but I do believe in my intuition and following my hunches...I mean, think about it, has there ever been a time before when this could have been created? No. The tech wasn't there. The mindset wasn't there. This product exists for this time and place. It's sort of like being around for the invention of the light bulb...It's time for it to exist, and we're here for its creation and distribution. Pretty freaking awesome, I think. I haven't ever invested in anything other than my 401K at work. I'm not a risk taker. It's just not in my nature. But I'm beyond confident on XRP. It's weird, but even when the price drops or things don't happen like we all want, I don't think of selling or doubt the investment. I know that XRP could fail, and I could lose all the money I've invested, but not one molecule in my body believes that's going to happen. We're all going to win with this investment if we just HODL!
  11. Thanks for posting this. It clarified some things for me. Very helpful and interesting.
  12. You're right--it does need to work in both directions. It just seems to me as if there is a lot more negativity on the boards recently (I could be wrong. I've only been lurking here since December 2017.). Someone asked a newbie question the other week, and instead of answering, someone posted for this person to do his own research. And yes, that is always good advice, but it appeared very rude and abrupt. Of course, the old timers on the boards answered the question, and all was well. One thing I've always liked about this forum was the comraderie. Just seems like we're losing that.
  13. If you don't want to hear about Bearableguy, don't click on the threads. And if you don't like what Alex Cobb is doing then don't watch his videos. And if you're not seeking attention, then why open this thread? I actually like the BG123 puzzles because they're creative and fun. I like Alex Cobbs videos because he consolidates information found online into one place. Believe what they say or not, no one on this board is the thought police. Not everyone has to see value in something for it to have value. When I first came to XRPChat, one of the things I liked the most was how welcoming everyone seemed to be. That's changed. Now it's like a bunch of prim old judgemental hen's are posting and stomping their feet about proper behavior. Boys, you need to seriously grow up.
  14. This actually came up in one of the other clubs a week or so ago. Bitstamp is my exchange. So I emailed them and asked about making large withdrawals in USD's. This was their response: When I first applied to Bitstamp (in December '17), they required the usual drivers license ID, proof of residence, and photo (just like Kraken did). It took 6 weeks to get approved (just like Kraken). But where Kraken had 4 levels or verification, Bitstamp did not. I just went on Bitstamp to look at their withdrawal page, and while there didn't seem to be any limits on what I could withdraw, their charge for withdrawals in USD is .09%. Not sure what other exchanges charge, but that seemed kind of high.?.? In addition, someone above mentioned difficulty in KYC approval...so I filled out the KYC form today. **And note that this was not mentioned in the email response as a requirement to withdrawal.** It was basic questions like: How many transactions will I make a year (multiple choice answers with a range -- Choices were 0-5, 5-10, etc) What's my net worth (with large ranges -- 0-50k, 50k-150k, etc). What money did I invest with: salary, investments, savings, etc. Nothing was specific, even income was a range. Questionnaire was like 10 - 15 questions, and after I entered my information, a message popped up saying they would contact me if they had any additional questions. If I am contacted about the KYC form, I'll let you all know. Hope this helps.
  15. I tried to talk to my brother, but he blew me off. Said crypto was too volatile to risk his money on (never specifically got around to XRP because he was so negative). Later, I talked to two close friends. Gave them specifics, websites to help with research, explained Ripple company details (nothing too detailed). Both were enthusiastic while we were talking, but neither, by their own admission, has followed up. After that, I decided not to mention it to anyone again. Why bother? I feel like XRP is a sure thing--yeah, I know I could lose everything, but if that actually happened, I would be totally shocked. The people I tried to talk to? It's their loss. One day in the not too distant future, they'll be telling me they wished they had listened.
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