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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.





Buying a renters insurance policy is easy. With a little preparation and direction, you can have a number of renters insurance quotes within minutes. But there are things renters need to keep in mind before they purchase a policy. Should I Get Renters Insurance? Yes. Every renter should purchase a renters insurance policy. Even if the renter has very little personal property, the liability protection and loss of use coverage could be well worth the inexpensive policies. The average annual renters insurance rate in the U.S. is only $187. That's far cheaper than the average cost of homeowners insurance, which is $952. Before You Start Shopping Before shopping around for the best renters insurance policy for their needs, renters should prepare the necessary information needed to gather renters insurance quotes. It will save time because insurance companies require various details from a potential policyholder to generate what a renters might expect to pay. Most of the information needed will be obvious to a tenant seeking a renters insurance quote: their name, address, the type of dwelling they live in (such as an apartment, townhouse or duplex) and whether they have a dog. But renters should be prepared to answer a number of other questions, depending on which renters insurance companies they gather quotes from. Other questions asked might include whether the rental unit is a primary residence, what the primary source of heat is for the rental unit or the distance to the nearest fire department. Travelers Insurance even asks how many rental units there are between firewalls in multi-family buildings. How To Calculate The Value of Personal Property Once a renter is prepared to answer the basic questions about him or herself and their rental property, they need to make a list of all their personal property that will be covered by their renters insurance. The list will serve two functions: to determine the aggregate value of their belongings and as a reference in the event they need to make a claim. Renters insurance policies generally cover the cash value of belongings (their value at the time of a claim), not the replacement cost of items (the cost of an item at the time of its purchase). Replacement cost coverage is more expensive but policyholders are more likely to be made whole again – especially if they have a list detailing their belongings. For example, if a policyholder files a claim for a large grey couch, the insurance company will pay out enough money to cover any grey couch. Filing a claim for the specific couch model, manufacturer and color is far more likely to result in a better payout, if the policyholder has replacement cost coverage. Without an existing list of personal belongings, it will be more challenging to create a comprehensive one in the event of a loss. Some insurance companies, such as Allstate, have websites and mobile applications where policyholders can create a list of personal belongings. How Much Liability Coverage Do I Need? To get a renters insurance quote, a potential policyholder will need to choose a claim limit for personal liability protection, which covers damages and fees associated with bodily injury and property damage lawsuits. Most renters insurance policies come with $100,000 of liability coverage and include the option to expand it up to $500,000. To get a liability coverage limit greater than $500,000 a renter would likely have to purchase a separate umbrella insurance policy. Umbrella insurance typically provides an additional $1 million or more of liability coverage. How much liability coverage a renter should purchase could widely vary, because it's based on how much you have to lose. Homeowners and renters should consider purchasing enough liability to cover their assets, since all assets could be sought in a lawsuit to cover damages. By that standard, $100,000 of liability coverage might be plenty for the typical consumer. But renters should still consider their own lifestyle and total assets when determining how much coverage to buy. Total your bank accounts, brokerage accounts, and other properties to figure out how much you'd have to lose in a worst case scenario to start with. Anyone who is unsure should consult a licensed insurance agent in their area. For example, a renter with a dog, one that frequently entertains, or has a swimming pool should probably consider purchasing additional liability coverage. How Much Loss of Use Coverage Do I Need? Loss of use covers the cost of living expenses in the event a rental property becomes uninhabitable. Without renters insurance and loss of use coverage, a tenant would have to pay for any expenses incurred out of pocket which could be very expensive. Loss of use usually covers hotel stays, meals and additional transportation costs, up to the limit of the coverage. Depending on where a tenant lives, those expenses could be much higher in comparison to others. For example, a renter in the suburbs of a large city might spend much less on a hotel stay and meals than a renter in an urban center. Gathering Renters Insurance Quotes After a renter complies a thorough list of their personal property and knows its aggregate value, has an idea of how much liability and loss of use coverage they need, they can begin shopping for the best renters insurance quotes. Almost every company that offers renters insurance policies provides quotes for premiums online, which is the best place to start. Filling out an online for a renters insurance quote is simple. With the information mentioned above ready, a renter can easily gather quotes from five or more companies in about 30 minutes. In many cases, a renter can even complete the purchase of a policy online. Sometimes companies will allow a renter to fill out online forms then prompt then prompt them to call a local insurance agent. This still saves the renter time because the information they provide is available to the agent -- the renter will not be starting the process of gathering a quote from the beginning. Renters can always call insurance companies or local insurance offices, too. Customizing A Renters Insurance Policy Renters insurance is a little simpler than homeowners insurance because renters policies do not cover the structure of the home itself. However, renters insurance is very customizable. Depending on the policyholder, there is a long list of renters insurance endorsements, changes to deductibles and supplemental policies that should be considered. Below are some examples. Deductibles: Most renters insurance policies have a $500 deductible – the amount the policyholder is responsible for paying toward a loss before an insurance company will make a payment. Renters have the option to increase their deductible and lower their monthly payments. Insurance companies frequently allow renters to increase their deductible by increments of $500 up to $2,500 or more. Increasing a deductible lowers the cost of premiums, but also means a renter will need to have more money available in the event of a loss. Deductibles for property damage are also unlike the typical health insurance policy, which has a single, annual deductible. Renters insurance deductibles apply to each individual claim, no matter the length of time between each loss. Renters insurance policies frequently offer medical payments coverage between $1,000 and $5,000 but it is not subject to the policy deductible. Endorsements: Renters insurance endorsements and scheduled items (sometimes called floater policies) are are two ways tenants can make sure their renters insurance policy adequately covers them. These extensions of a renters insurance policy enable renters to fill gaps in coverage that might exist because of limitations to standard policies. For example, no matter the personal property claim limit chosen by a renter, renters insurance policies typically only cover up to about $2,000 of jewelry in the event of a loss. Renters with jewelry valued more than that category's limit can purchase an endorsement to increase it and adequately cover their belongings. Categories like this one exist for a number of different items. Roommates: Most renters insurance policies only cover the personal property and liability of the policyholder. That means any non-family roommates are not covered by the policy purchased by someone else and they cannot be added to a policy. Each renter should consider purchasing their own individual renters insurance policy to ensure all tenants of a rental home or unit are effectively insured. Floods, Earthquakes and Sinkholes: Renters insurance doesn't cover everything and depending on the dwelling and where a renter lives, they might choose to purchase other insurance policies that conside with renters insurance. Flood insurance is availabel through the National Flood Insurance Program (NFIP) and a number of companies sell earthquake and sinkhole insurance policies. In some cases, an endorsement can be added to cover earthquake or sinkhole damage. Two Common Mistakes in Shopping for Renters Insurance There are two common mistakes renters make when shopping for the best renters insurance policy for their needs: they purchase a policy from a familiar company without comparing prices, or choose the cheapest policy without regard to detail. Tenants need to shop around and compare renters insurance policies before buying one. Renters insurance premiums are priced based on factors besides the coverage itself. Insurance companies use the location, type of dwelling and other factors to determine rates and every company calculates these things differently. The cheapest renters insurance policy for one person might not be the most affordable for another. The neighbors next door might even have different quotes for a similar policy. Renters also need to keep in mind that the cheapest policy might not be the best choice either. One policy might be slightly more expensive, but have a lower, more affordable deductible. Some policies might be nearly evenly priced, but one might include identity fraud protection and the other might not. Renters need to decide what is most important to them, gather quotes and review renters insurance policies side by side. Otherwise, there is no way they can be certain which is better for them.
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