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.
Filing a renters insurance claim can be simple if you are prepared. As a renter you should know how to file a claim for different events, as well as keep inventory of all the things you own. We go into more detail below.
How to File a Claim
Filing a Claim Without Receipts
What to Do if Your Claim is Denied
Filing a Renters Insurance Claim
There are three types of renters claims you can file: a property damage, property loss or liability claim. For all three it comes down to a few key steps following a calamity in your rental home:
Call the fire department/ police department in cases of fire, flooding or theft/vandalism and obtain copy of the police report
Once you are safe take notes of the damage. Take pictures too.
Call your insurance company as soon as you can or submit a claim if you have the option
Fill out any documentation sent from your insurer right away
Wait for the adjuster
Property Damage Renters Claim
If your belongings were destroyed by a fire, water leak, etc. you would need to file a property damage claim. This is the crux of a renters insurance policy. If you are unsure if the cause of your damages is something you are covered for, you can get more information here.
If you are covered, it is important you take careful records of what was damaged. The better idea you have of what was damaged, as well as its relative value, the easier your claims process will be. When the adjuster comes over the assess the damage, and if the case is clear, they could even write you a check on the spot. If something is unclear upon first inspection, they may take some more time to deliberate on how much you should be reimbursed.
While you are waiting for the adjuster however, you should address any lingering issues like a broken window or exposed part of the apartment. A temporary solution to prevent any further damage should do. Any costs associated with the temporary repairs may be included in your future settlement. One example is calling in a mold remediation team after an internal flood. The cost of the team should be covered by your claim, but any mold damage you would get from not calling in the team may not be covered.
Property Loss Renters Claim
Property loss is when your belongings are stolen either outside or inside your home. This claim follows all of the steps above except here it is very important you obtain a copy of the police report to give to your insurer. Theft claims do not have the physical evidence of property damage claims so it is easier for adjusters to doubt the authenticity of your claim. An official police report gives your claim legitimacy. Filing your claim as soon as possible is another way for your company to fully believe your case. If there is any delay between when the crime happened and when you file your claim, that can cast doubt over the whole thing.
Liability Claim
Someone filing a claim against your liability renters insurance because they were injured in their home is the most different type of the three claims. After the injury occurs, it is important to take notes of the damage, when it happened, how it happened, as well as noting who witnessed the accident.
If the injury happened in your home, the injured person will file a claim against your insurer. Your company will send over an adjuster who will become more like an investigator in this case. The adjuster will get statements and evidence from people who witnessed the accident and form a report. If it is determined you are the cause of the accident, your insurance company will then try to reach a settlement with the person who filed the claim. Hopefully the claimant accepts accepts the settlement. If they do not, then they can then decide to file a lawsuit.
Your insurance company will stick with your case however and provide a lawyer. They will still try to settle the matter out of court. If worst case the case still goes to court, all of the associated legal fees will be paid for. If you lose the case in the court, your liability insurance will pay for the settlement.
Filing a Renters Claim Without Receipts
You actually do not need to worry much about having meticulous records of your receipts for the things you own. Most renters do not have those records and the insurance companies understand it. Pictures are usually the best proof for what was damaged. Adjusters also have a good idea of the relative costs of certain items. They are also adept at detecting fraud, so if your case is legitimate, you shouldn't worry about them mistakenly thinking you're trying to defraud them.
In certain cases it would definitely be beneficial to have some sort of record of you purchasing a damaged item. Those cases usually involve out of the ordinary property. If you have a Charlotte Thomas bed sheet which costs $2,400 for example that is going to be an out of the ordinary item your adjuster could be skeptical of. If you can show them a credit card statement from the sale, that should suffice.
What if Your Renters Claim is Denied?
If your claim is denied, the best thing to do is remain calm and figure out why. Most claims will not be denied but the majority of the ones that are denied are cases where the cause of the damage was not covered by the renters policy. One example would be submitting a lost property claim for an item that was stored in a residence not covered by the policy. The language in your policy will exclude coverage for those types of options. The only solution in these cases would be to hire some sort of counsel to fight for your case. We would only recommend that however if you are confident your claim is valid, and there is a lot of money on the line. Hiring a lawyer is not worth it for a claim less than a few thousand dollars.
Other common issues are determining who is covered by the policy. If your roommate causes a fire for example, the damage they cause won't be covered by your renters policy unless you are married, related or specifically added them to the policy. If you are behind on your monthly payments as well, your company may deny your claim until you square your debt.
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