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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.




There are several different types homeowners insurance policies to choose from called “forms.” The type of policy form someone purchases depends largely on whether they own a standalone home, rent a home or own a condo or co-op. The policy chosen also is dependent on the level of coverage needed, since not all of the types cover every peril, or disaster. The descriptions below are general - even within the same policy form, coverage can vary from state to state. When determining which you need, make sure you have read the details of the policy you’re considering purchasing and fully understand what will and will not be covered before making a decision. Insurance Types for Homes Policy Forms for Renters Types of Insurance for Condo and Co-Ops Other Policy Forms Insurance Types for Standalone HomesThis lists the typical HO-3 policy's perils coverage, ranging from fire and lightning to pipes freezing HO-1: A basic homeowners insurance policy with limited coverage that protects the dwelling from a specific list of 11 named perils including: fire and lightning; windstorms and hail; explosion; riots and civil commotion; aircraft; vehicles; smoke; vandalism and malicious mischief; theft; glass that is part of the home; and volcanic eruptions. It will not cover any unnamed peril in the policy - only those explicitly listed. Occasionally, HO-1 policies will not cover personal belongings in the home. It is no longer available in most states. HO-2: A basic policy that protects against all 11 perils the HO-1 covers as well as others. Additional perils covered by an HO-2 policy include: damage from falling objects; and water damage from accidental overflow of plumbing, heating air-conditioning and household appliances. Like the HO-1, the HO-2 is a named peril policy and only the perils specifically listed are covered - no others. The HO-2 also covers personal property in the home. HO-3: The HO-3 is the most common policy form because of its broad range of coverage. It is an extended or special homeowners insurance policy form that protects against all 16 of the most common perils and almost any other peril, except those specifically excluded (such as earthquake, flood, landslide or mudslide, nuclear accident and sinkholes). However, HO-3 policies only cover personal belongings in the home against the same perils covered by an HO-2 policy form. For example, say a fire completely destroys your home and all your belongings inside. An HO-3 homeowners insurance policy will cover the structure and your belongings up to the limits defined in the policy. On the other hand, if your home and all of your possessions are destroyed by a falling object or water damage from plumbing overflow, an HO-3 policy will only cover the structure, not your belongings. Remember, water damage due to overflow of plumbing, heating air-conditioning and household appliances is not the same as flood damage. Flooding is defined differently than water damage due to overflow and requires flood insurance. HO-5: The HO-5 policy form is identical to an HO-3, only with a twist. Like an HO-3, the HO-5 covers all 16 perils plus any peril that is not specifically listed as an exclusion. Unlike the HO-3, the HO-5 is more comprehensive and covers personal property from almost every peril, unless the item is explicitly excluded. The depth of the coverage makes this policy cost more than others. HO-8: An HO-8 policy form is designed for older homes that have a replacement cost that exceeds the actual cash value of the home. For that reason, the HO-8 policy form is frequently used to insure registered landmarks and architecturally significant structures. In the event of a loss in this case, the payout of the actual cash value would be much smaller than that of the replacement cost. HO-8 policies are more affordable because of that smaller payout. Usually the homes are greater than 40 years old and do not qualify for an HO-3 policy. Like the HO-1, the HO-8 only covers the 11 common perils. Policy Forms for Renters HO-4: Commonly referred to as “renter’s insurance,” this policy form covers personal property in a rented home or apartment. The owner or landlord’s insurance minimally will cover the rental structure in the event of the 11 perils covered by a HO-1, but will not cover tenant belongings. For that reason, tenants need an HO-4 policy form to cover personal property, as well as any part of the apartment they might own. For example, if a policyholder installed new kitchen cabinets, the cabinets would be covered as their possessions. The HO-4 policy form also provides additional living expenses, in the event the residence becomes unlivable due to a covered peril. Unlike other policy forms, HO-4 does not always include liability protection, which you can and should add to the policy for an additional cost. Liability coverage is an important part of homeowners and renter’s insurance and protects the insured from potentially catastrophic financial burdens. Types of Insurance for Condo and Co-Ops Owners HO-6: HO-6 policies are designed as insurance for condo owners and co-op tenants. Every condo or co-op association has different insurance policies and levels of protection. As a condo owner or co-op tenant, you have the right to review the insurance policy the association has in place. Make sure you examine the policy before purchasing insurance for your unit – you don’t want to purchase too little coverage or have coverages that overlap. Condos are essentially treated similarly to a single home when it comes to homeowners insurance, since the policyholder owns his or her unit. They need an HO-6 policy to cover the part of the structure they own, their belongings inside, liability and additional living expenses should the unit become uninhabitable due to a covered peril. Sometimes a condo association is only responsible for common areas of the building, landscaping and the bare walls, floor and ceiling. An HO-6 policy is especially important in that circumstance. Insuring a co-op is a little different. Co-op tenants do not own their unit specifically, they own shares (or a percentage) of the building where the unit is located. Even though co-op owners are considered tenants, they need a HO-6 policy form rather than renter’s insurance because of their stake in ownership. Like condo associations, co-op associations’ coverage might be limited. Other Policy Forms HOA (Homeowners Association Insurance): This insurance policy form is designed to cover the common property of complexes where one or more buildings have tenants that own their unit. Since the needs of every homeowners association are different, these policies can vary greatly. All of them typically have some combination of business property insurance coverage against perils; liability coverage for accidents, mistakes and injuries on common property; and business crime insurance in the event of vandalism, robbery or board member dishonesty. MHP (Mobile Home Policy): MHP policy forms protect mobile homes (sometime called manufactured homes) and any structures attached to them. The policies can cover the same 11 perils as an HO-1 or as many perils as the HO-3 forms detailed above. Mobile home coverage is not in effect while the home is in transit, only when it is stationary. Mobile home insurance and RV insurance are not the same thing. Mobile home insurance is more similar in nature to other homeowners insurance policies because mobile homes are stationary. You can declare and insure an RV as your primary residence but since you can drive and park it, RV insurance is closer in nature to auto insurance. DF-1: If your home does not qualify for one of the homeowners insurance policy forms detailed above, you can still insure it. Some companies sell a DF-1 (sometimes called fire and extended coverage) policy form that offers very limited coverage if you or your home doesn’t qualify for others. The DF-1 policy form usually covers: fire and lightning; windstorm and hail; explosion; riot or civil commotion; aircraft; vehicles; and smoke. Check your insurer's policy, however, since only specifically named perils will get covered.
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