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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.





A cruise can be as expensive as any other vacation. But unlike other trips, a delay or mishap could result in more than arriving a day late somewhere – a vacationer could miss their cruise entirely and, essentially, lose the money they spent on it. Cruise insurance offered by the boat companies or independen insurance companies protects travelers from that financial loss. What Does Cruise Insurance Cover? Cruise Insurance Offered By Cruise Lines Third-Party Cruise Insurance Policies Do I Need Cruise Insurance? What Does Cruise Insurance Cover? Most cruise insurance policies include coverages related to the necessary travel before and during a stay on the boat, or any medical issues encountered on board. For example, a family might need to fly to the port city a cruise is departing from. Having a delayed or canceled flight may cause the group to miss their boarding time and the cruise altogether – something that might be worth insuring. Example of Cruise Trip Cancellation or Interruption Coverage Below is an example of travel insurance coverage from Nationwide, one of several insurance companies that offer cruise-specific policies. Benefits Coverage Limits (Per Person) Trip Cancellation Maximum 100% of non-refundable trip costs. Cancellation for Any Reason (must cancel at least two days before departure) Maximum 70% of non-refundable trip costs. Trip Interruption Maximum 150% of non-refundable trip costs. Interruption for Any Reason Up to $500 Missed Connection/Trip Delay $1,500/$750 Lost/Stolen Baggage $2,500 max., $600 max. for special items, $300 per article limit. Example of Travel Health Insurance Coverage in a Cruise Insurance Policy Both cruise lines and independent travel insurance companies also sell also more comprehensive cruise insurance policies. These typically include travel health insurance (coverage for medical emergencies such as a norovirus outbreak or prescription drugs for seasickness), an accidental death and dismemberment benefit, a waiver for preexisting conditions and medical evacuation. Below are some of the coverages included in Nationwide's Choice Cruise Plan. Benefits Coverage Limits (Per Person) Emergency Accident and Sickness Medical Expense $100,000/$100,000 (secondary coverage) Emergency Dental Expense $750 Emergency Medical Evacuation $500,000 Accidental Death & Dismemberment $25,000 Pre-Existing Condition Waiver If purchased prior to final trip payment and all eligibility requirements are met. Cruise Insurance Medical Coverage vs. Your Regular Health Insurance Plan Most health insurance policies will not cover medical expenses incurred on a cruise or during any port of call stops. If your health insurance covers those expenses, they will most likely be considered out-of-network costs, which will meaning paying more for the services. Cruise insurance policies can offer health benefits in addition to travel ones, for a higher premium. Cruise ships are required to have a doctor and hospital facility on board in the event anyone is injured or becomes ill. However, these infirmaries are typically designed to stabilize patients and make them as comfortable as possible until the ship reaches its final destination or the nearest port of call. In emergency situations, a vacationer might also need a medical evacuation - when either a helicopter or another boat transports them immediately from the cruise to the necessary facility. Medical evacuations are very costly and without insurance that covers them, a cruise-goer would have to pay for those bills out of pocket. Cruise Insurance Offered By Cruise Lines Most cruise lines offer a comprehensive travel insurance policy tailored to cruises that is underwritten by an insurance company. Many also have another form of cruise insurance – that is technically a waiver – and provided by the cruise line itself that covers a trip cancellation. In the event a cruise-goer needs to cancel their trip, the waiver ensures they get a higher percentage or all of their money back (with some stipulations, of course). Some waivers guarantee a 100% reimbursement for the cost of the cruise for only a set list of reasons, including an illness. Others might allow a traveler to cancel for any reason or as soon as up to two days before embarkment. Carnival Cruise Line, for example, offers both a waiver and a more comprehensive cruise insurance policy. The company’s Cancellation Waiver Fee Program goes into effect immediately when purchased and the policyholders can get 100% of the cost of their trip back in cash for qualified reasons. If they need to cancel for any other reason, they can, but will only receive 75% back toward a future cruise with Carnival. Without the cancellation fee waiver coverage, the cruise line charges a penalty if a trip is canceled after the final payment is made, which can be as far as 90 days before embarkment. Below are some of the most popular cruise lines and their respective waiver and protection programs. You'll notice some cruise lines do not offer a fee waiver, only the more costly comprehensive coverage. Someone who is only interested in the cancellation coverage might be able to get it through an independent insurer and save by forgoing a comprehensive plan. Company Waiver Program Cruise Insurance Offered Carnival Cruise Line Carnival Cancellation Fee Waiver Program Carnival Travel Insurance Program Disney Cruise Line N/A Disney Cruise Line Vacation Protection Plan Norwegian Cruise Line N/A Norwegian Cruise LIne BookSafe Travel Protection Plan Oceania Cruises N/A Oceania Cruises Travel Protection Program Princess Cruises Princess Cancellation Fee Waiver Program Princess Travel Insurance Protection Regent Seven Seas Cruises N/A Guest Travel Protection Program Royal Caribbean Cancellation Penalty Waiver Program Royal Caribbean Travel Protection Program The majority of the cruise insurance plans offered by the cruise lines (outside the cancellation waivers) are underwritten by traditional insurance companies. Both Carnival and Royal Caribbean’s policies are underwritten by Transamerica. For a cruise-goer, the underwriting insurer makes little difference. It is the coverage and the terms of the policy that matter. If the policy offered through a cruise line is for whatever reason inadequate – for example, perhaps a desired claim limit for category of coverage is too low – then a cruise-goer can always shop for cruise insurance on their own. Third-Party Cruise Insurance Policies There are many insurance companies unaffiliated with cruise lines that offer cruise insurance. They tend to offer better coverage in the form of higher claim limits or lower premiusm than policies offered through the cruise companies. In the event a policyholder needs to file a claim, the process for each will be very similar – they would need to contract the insurer, not the cruise. The only exception to the above would be if a policyholder purchases the cruise line’s cancellation and interruption waiver previously mentioned. If someone opts to buy the waiver and needs to use its protection, they would contact their respective cruise company. Third-party cruise travel insurance also gives a policyholder more coverage flexibility. Typically, there is only a single insurance plan offered through a cruise line, so as a traveler you have to take it or leave it. But there are a number of good comparison websites that gather quotes for dozens of travel insurance policies from multiple carriers. Below are some examples of insurance companies that sell cruise insurance or travel insurance that suits a cruise-goer. Insurer Policy Name Coverage Highlights Nationwide Universal Cruise Plan An inexpensive policy that refunds up to 100% of nonrefundable trip costs. Also offers baggage protection and emergency accident and sickness coverage. Nationwide Choice Cruise Plan Includes trip cancellation coverage for any reason up to 70% of nonrefundable trip costs. Also includes medical coverage, but with a preexisting condition waiver, among other benefits. AIG Travel Guard Plan The same Silver travel insurance plan that offers comprehensive coverage for all types of trips will also cover a cruise. Allianz Global Assistance Classic Plan A comprehensive plan that includes trip cancellation, baggage and emergency medical and other coverages for all policyholders, including cruise-goers. Do I Need Cruise Insurance? You should consider purchasing cruise insurance whenever booking one. At the very least, the market for cruise insurance is probably an indicator of its utility: 70% of U.S. travelers who book cruises purchase some form of travel or cruise insurance, according to the U.S. Travel Insurance Association (UStiA). The most commonly purchased travel insurance benefit is trip cancellation – which reimburses policyholders for nonrefundable costs – and that coverage could prove very beneficial to cruise-goers. Unlike hotels, the upfront costs of cruises can be very high. Hotels frequently require a deposit when you book a room but almost never charge someone for the full stay unless they check in. That isn’t the case with cruises, which usually must be paid in-full weeks before the ship leaves port and offer limited or no refunds in some situations. We've found that travel insurance premiums can cost $148 for a sample trip costing $2,500. How far in advance someone purchases a cruise ticket (and the type of ticket they buy) impacts the refund policy and someone might choose to get cruise insurance as a result. For example, the deposits for Early Saver and Early Saver Last Call tickets for Carnival Cruise Lines are non refundable at any time after booking them. After the final payment for those are made, they are completely non-refundable – Carnival only issues non-refundable and non-transferable future cruise credits in the event someone has to cancel. Here’s another example of when cruise insurance might come in handy: Cruise-goers can save on tickets as long as they have the flexibility to book last-minute deals but, again, the cancellation rules are stringent. For example, the total fare for Carnival’s Pack & Go tickets are non-refundable any time after the booking is made. A cruise insurance policy might cover the cost of the ticket, in the event a qualifying event occurs, such as the traveler or a close family member becoming ill.
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