Many hundreds of years ago in a small Italian town, a Merchant had the misfortune of owing a large sum of money to the Moneylender.
The moneylender who was Old and Ugly, fancied the merchant's Beautiful Daughter so he proposed a bargain.
He said he would forget the merchant's debt if he could marry the daughter. Both the merchant and his daughter were horrified by the proposal.
The moneylender told them that he would put a black pebble and a white pebble into an empty bag.
The girl would then have to pick one pebble from the bag.
• If she picked the black pebble, she would become the moneylender's wife and her father's debt would be forgiven.
° If she picked the white pebble she need not marry him and her father’s debt would still be forgiven.
But if she refused to pick a pebble, her father would be thrown into jail.
They were standing on a pebble-strewn path in the merchant's garden.
As they talked the moneylender bent over to pick up two pebbles.
As he picked these pebbles, the sharp-eyed girl noticed he had picked up two black pebbles and immediately put them in the bag.
He then asked the girl to pick her pebble from the bag. Now a quick question, if you were the girl what would you have done?
If you had to advise her what would you have told her?
Careful analysis would produce three possibilities
1. The girl should refuse to take a pebble.
2. The girl should show that there were two pebbles in the bag and expose the money-lender as a cheat.
3. The girl should pick a black pebble and sacrifice herself in other to save her father from his debt and imprisonment.
The above story is used with the hope that it will make us appreciate the difference between ‘LATERAL and LOGICAL THINKING’
Don't let me bore you Let's continue the story.
So, the girl put her hand into the money bag and drew out a pebble.
Without looking at it she fumbled and let it fall into the pebble-strew path where it immediately became lost among all the other pebbles.
Immediately she reacted and shouted ‘Oh how clumsy of me to have allowed this fall from my hand’ she said.
But she smartly said well “But never mind, if we look at the money bag and see which pebble is there it will tell which pebble I picked”
Since the remaining pebble is black, it was assumed that she picked the white pebble. And since the money-lender dared not admit his dishonesty, the girl changed what seemed to be an impossible situation into an advantageous one.
Moral lesson
Most complex problems have their solution, sometimes we just have to think about them differently.
Kindly drop a lesson you learned from this, and share your insight.
At the end of the month, we give out prizes in 3 categories: Best Content, Top Engagers and
Most Engaged Content.
Best Content
Top Engagers
Most Engaged Content
Best Content
We give out cash prizes to 7 people with the best insights in the past month. The 7 winners are picked
by an in-house selection process.
The winners are NOT picked from the leaderboards/rankings, we choose winners based on the quality, originality
and insightfulness of their content.
Here are a few other things to know for the Best Content track
1
Quality over Quantity — You stand a higher chance of winning by publishing a few really good insights across the entire month,
rather than a lot of low-quality, spammy posts.
2
Share original, authentic, and engaging content that clearly reflects your voice, thoughts, and opinions.
3
Avoid using AI to generate content—use it instead to correct grammar, improve flow, enhance structure, and boost clarity.
4
Explore audio content—high-quality audio insights can significantly boost your chances of standing out.
5
Use eye-catching cover images—if your content doesn't attract attention, it's less likely to be read or engaged with.
6
Share your content in your social circles to build engagement around it.
Top Engagers
For the Top Engagers Track, we award the top 3 people who engage the most with other user's content via
comments.
The winners are picked using the "Top Monthly Engagers" tab on the rankings page.
Most Engaged Content
The Most Engaged Content recognizes users whose content received the most engagement during the month.
We pick the top 3.
The winners are picked using the "Top Monthly Contributors" tab on the rankings page.
Contributor Rankings
The Rankings/Leaderboard shows the Top 20 contributors and engagers on TwoCents a monthly and all-time basis
— as well as the most active colleges (users attending/that attended those colleges)
The all-time contributors ranking is based on the Contributor Score, which is a measure of all the engagement and exposure a contributor's content receives.
The monthly contributors ranking tracks performance of a user's insights for the current month. The monthly and all-time scores are calcuated DIFFERENTLY.
This page also shows the top engagers on an all-time & monthly basis.
All-time Contributors
All-time Engagers
Top Monthly Contributors
Top Monthly Engagers
Most Active Colleges
Contributor Score
The all-time ranking is based on users' Contributor Score, which is a measure of all
the engagement and exposure a contributor's content receives.
Here is a list of metrics that are used to calcuate your contributor score, arranged from
the metric with the highest weighting, to the one with the lowest weighting.
1
Subscriptions received
2
Tips received
3
Comments (excluding replies)
4
Upvotes
5
Views
6
Number of insights published
Engagement Score
The All-time Engagers ranking is based on a user's Engagement Score — a measure of how much a
user engages with other users' content via comments and upvotes.
Here is a list of metrics that are used to calcuate the Engagement Score, arranged from
the metric with the highest weighting, to the one with the lowest weighting.
1
A user's comments (excluding replies & said user's comments on their own content)
2
A user's upvotes
Monthly Score
The Top Monthly Contributors ranking is a monthly metric indicating how users respond to your posts, not just how many you publish.
We look at three main things:
1
How strong your best post is —
Your highest-scoring post this month carries the most weight. One great post can take you far.
2
How consistent the engagement you receive is —
We also look at the average score of all your posts. If your work keeps getting good reactions, you get a boost.
3
How consistent the engagement you receive is —
Posting more helps — but only a little.
Extra posts give a small bonus that grows slowly, so quality always matters more than quantity.
In simple terms:
A great post beats many ignored posts
Consistently engaging posts beat one lucky hit
Spamming low-engagement posts won't help
Tips, comments, and upvotes from others matter most
This ranking is designed to reward
Thoughtful, high-quality posts
Real engagement from the community
Consistency over time — without punishing you for posting again
The Top Monthly Contributors leaderboard reflects what truly resonates, not just who posts the most.
Top Monthly Engagers
The Top Monthly Engagers ranking tracks the most active engagers on a monthly basis
Here is what we look at
1
A user's monthly comments (excluding replies & said user's comments on their own content)
2
A user's monthly upvotes
Most Active Colleges
The Most Active Colleges ranking is a list of the most active contributors on TwoCents, grouped by the
colleges/universities they attend(ed)
Here is what we look at
1
All insights posted by contributors that attended a particular school (at both undergraduate or postgraduate levels)
2
All comments posted by contributors that attended a particular school (at both undergraduate or postgraduate levels) —
excluding replies
Below is a list of badges on TwoCents and their designations.
Comments