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Binance Review 2018: Comprehensive Crypto Coin Exchange Binance is a Chinese cryptocurrency exchange. Binance was created after attracting funds via an ICO (Initial Coin Offering – creating a new digital asset, backed by the project. Changpeng Zhao, former CTO at OKCoin is currently at the helm of Binance. They are known for fast processing speeds coupled with an ability to process enormous numbers of transactions (1.4 million) each second. It’s been quickly gaining ground in market share cementing a place as a top 20 exchange in terms of volume. Binance transaction has reached a new level and currently score tenth place in the world. Binance offers a generous daily withdrawal limit. They don’t need identity confirmation when the per day remittance is within limit of 2 BTC. Binance Features Binance’s trading platform is web-based. Furthermore it offers two distinct trading layouts, a more simple one and a “Pro” version. Their ICO has created tokens named BNB that are traded on the exchange. They can also be used as a method of paying your trading fees, which will reduce them by 50%. Binance offers their own startup incubator platform as well. The trading functionality of the platform was of more interest so we focused on that for the purposes of this Binance review. Below is the “standard platform” look: Below is the advanced display: BINANCE Advantages Large Cryptocurrency Pairings Supported The competitive advantage of Binance’s platform is the ability to trade every major cryptocurrency pairing in existence. Coinbase and Gemini only offer trading of a handful of the larger market capitalization cryptos, whereas Binance allows users access to trade over 100 crypto coins. Low Fees AND LIMITS The fee structure is simple as well as being priced. There is a flat 0.10% fee on all trading. The 0.10% fee on trades is one basis point. If you were to buy a cryptocoin at 100 you’d have to sell it higher for 101 to profit. Ease of Setup Setting up an account is straight forward, similar to signing up for an account with other service providers. Another advantage is there is no lengthy waiting time, users are able to get setup and running within minutes. This is due to the fact that fiat is not accepted on the exchange. Binance Provides Significant Trading Volume Binance is currently the third largest exchange by cryptocurrency trading volume, according to coinmarketcap. At the time of writing, Binance’s volume was an astounding $5,441,711,452 in the last 24 hours! This volume demonstrates their users clear trust in the exchange, as well as the accessibility of the exchange and ease of transacting. This type of volume requires substantial servers and computational power. Wide Support of Cryptocurrencies No Verification Requirements Binance doesn’t require identity confirmation in instances when the per day remittance is within the limit of 2 BTC. The attractiveness of setting up an account with Binance may be greater for a user in a jurisdiction where certain exchanges choose not to allow new users because of restrictions imposed by that location’s governing regulatory bodies. Ease of Use You’re able to buy and sell crypto pairings with market or limit orders while specifying the amount or percentage you wish to trade for each transaction. BINANCE Disadvantages No Leveraged Margin Trading Margin trading is not available at Binance. Margin trading is a system which allows you to trade with more money than you actually have in your account. Your balance is then used as a guarantee to maintain your position open. No Fiat Functionality This has both advantages and disadvantages. Government fiat deposits are not currently enabled in Binance, instead this exchange focuses only on the digital side of things. Clients can deposit and withdraw the coins supported at the exchange. This means that you’re not able to deposit or withdraw in fiat currency, only cryptocurrency is supported. Relatively New Binance was started in only July 2017, according to this Reddit post. This is a major concern, as they don’t have a history. Despite all the good things people are saying on Reddit. it’s worth mentioning as many exchanges have come and gone. Binance appears to have a visible co-founder, unlike BTC-E. Conclusion Accessible option for obtaining Different Cryptocoins Binance is the most rapidly-growing and communally praised cryptocurrency exchange available. It’s China based location may spell issues in the future due to rumors of a “crackdown“. that currently accounts for a large amount of volume. Although Binance targets high frequency traders, it is quite useful for those getting beginning with altcoin trading. Their lack of fiat money deposits may be difficult to swallow for beginners, only supported cryptocurrencies may be deposited. Binance boasts a large number of various cryptocoins for trading. The main benefit is the ability convert between cryptocurrencies. For instance exchanges such as Coinbase and Gemini are more limited in the number of cryptocurrencies offered. The interface is also conducive to support shorter duration hold time day trading of cryptocurrencies if one were so inclined to deploy that strategy. Binance is an exchange worth looking into and integrating into crypto trading just for their large amount of supported crypto coins.

Have you ever wondered how the cost of car insurance is determined? Do you feel like the bulls-eye on the dartboard where you are the target of the highest rate imaginable? These feelings can be relieved somewhat by understanding what factors have an impact on automobile insurance premiums. Risk Affects All Quotes on Car Insurance First however, this is a good time to mention the term risk. Risk is a basic premise found behind every insurance policy issued and the concept of risk and the idea behind it is relatively easy to understand. In simple terms it is all about statistics and probabilities and can be explained as the chance of something going wrong. Effective risk management is critical to business success and the insurance industry employs highly skilled individuals known as actuaries to aid in risk management. These individuals use a combination of strong analytical skills, business knowledge and understanding of human behavior to design and manage programs that control risk. So you say, "That is interesting but how does it apply to what I pay for my automobile insurance?" To answer simply, you are a risk to the insurer. In order to calculate what level of risk that you will present to the insurer, your characteristics will be analyzed based on two specific factors known as Underwriting and Rating. Underwriting: How Car Insurance Cost is Evaluated Although much could be said here, for the sake of time understand that underwriting has to do with the assumption of financial responsibility. If an insurer provides you with a policy, they are underwriting, meaning that the company will have financial responsibility to pay a claim should the need arise. Here the topic of risk comes into focus. How does the insurance company determine how much should be charged for a car insurance premium? First, with any policy issued, limits are set for specific incidents that could potentially be paid via a claim. Remember that actuaries have worked through the statistics and probabilities of the various aspects of insuring against a specific risk. Their work is a foundation to the underwriting process. Building on this foundation, limits are set for various events that could be covered. By setting limits, an element of control is provided. It is appropriate to keep in mind that insurance companies are not charitable organizations. They are in business for the purpose of making a profit. Search for the most affordable car insurance you can find, but understand that car insurance prices vary between insurance companies and may change as a result of a company's financial situation. Second, the premium is established. The premium is your cost of car insurance. By taking into consideration numerous factors discussed below, the premium calculation is put on an individual and personal level specific to an individual. Keep in mind, that the underwriting process could determine that you are not a good risk and your application for insurance for your car might not be accepted. Rating: The Impact of Individual Characteristics on Car Insurance Premium The second factor is rating. Put simply, rating has to do with determining what the premium will be based on the characteristics of the driver as well as characteristics of the automobile. When you apply for insurance, before you receive a quote on car insurance, you will be asked a series of questions to help determine the cost to insure you. These answers are fundamental to premium calculation. Information collected through these questions include: Driving Record Insurers want to know your past driving record and certain personal characteristics and then they group you with other similar drivers. Insurers review the claim history of your group to make projections about future claims. Age, Gender & Where You Live There are some rating factors whose characteristics you cannot control. Examples include your age and gender. Then there are some rating characteristics which could technically be controlled but such control may not be practical or realistic. To explain, think about where you live. Geographic location can have a definite impact on rating. For example, if you live if a highly populated area with a higher probability of accidents then this will carry a higher risk of claims versus a less populated area; however, to pack up and move just because of your vehicle insurance rates sounds rather silly. What You Drive There are other characteristics that can be controlled, such as the make and model of the vehicle that you choose to drive. A vehicle with few safety devices and a powerful engine carries a greater risk of high claims than a less sporty model. The choice of vehicle however is controlled as it is totally your decision. Lifestyle Characteristics Insurers also consider lifestyle characteristics in the underwriting process. These characteristics include marital status and employment history. From prior claims data, insurers know that married persons tend to have lower claim levels than unmarried persons. Other statistics show that persons who work in the same place for a long time tend to have lower claims. Credit History Also, underwriting criteria can include credit history. Those with a good credit will be deemed to be more responsible as they handle their finances well. That responsible behavior in turn will be viewed positively as a lower risk and grouped accordingly. Do you see the pattern? Insurance rates are based on statistics that each company has collected. For example, if statistics indicate that teenage drivers are found at fault in more accidents, then that company will charge a higher rate for that category because, as a group, they will increase the need for funds to cover the expense of claims. In other words, the higher the losses from a group, the higher the rate for that group. Claims Frequency Keeping this same thought in mind, it is important to understand that the most influential aspect on the rating process is claim frequency. This does not mean how many times that you personally have made an insurance claim, although that will have an additional effect; however, claim frequency measures how often an insured event occurs within a group relative to the number of policies contained in that group. Persons sharing characteristics with a high claims group will be charged more for insurance coverage. At the same time, persons who share characteristics with low claims classes will be charged lower rates. In addition, insurance companies offer discounts to individuals that exhibit certain characteristics. So what can you do? Other than your choice of automobile, the most influential factor over which you have control is your driving record. A person with a clean driving record will pay less than other drivers. Considering this information, what can you do to find a affordable car insurance plan? Compare car insurance plans! Prices for the same coverage can vary widely from one company to another since not every insurer will rate you exactly the same. One company may consider you higher risk because of where you live whereas the next company may rate that item differently. Be Proactive - Get New Quotes for Car Insurance Annually Being a proactive, responsible driver can help you avoid many situations that might otherwise result in a claim against your affordable car insurance coverage. Being a complacent driver can cost money. Make it your aim to review your coverage's on at least an annual basis and get new quotes to make sure you have the most affordable coverage for your vehicles. Edward Ferrell is a graduate of Auburn University with over 20 years experience in the financial services and technology sectors. He recently started his own marketing and e-commerce company with the intent to focus on a number of niche e-commerce markets. Edward understands from a deeply personal level that life is filled with challenges. He says that some challenges we face are due to our own good or bad decisions while other challenges are somewhere down the road just waiting for us to get there. As a Christian, he says that he finds comfort in the instructions of Romans 12:12 which read... "Rejoice in hope; be patient in affliction; be persistent in prayer," (Holman) Find other articles and important information about affordable car insurance at CheapCarAndTruckInsurance.com (http://www.cheapcarandtruckinsurance.com/). Get quotes on car insurance as well as quotes for other coverage's from top rated insurers in the nation helping you save you time and money. Article Source: https://EzineArticles.com/expert/Edward_G_Ferrell/1229568 Article Source: http://EzineArticles.com/6718779
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