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.
Mobile home insurance, also known as manufactured home insurance, is much like a homeowners insurance policy in the sense that it provides financial protection in the event that your home is damaged. While it's not required by law, mortgage companies and mobile home communities often require that homeowners purchase coverage. The exact coverage that a mobile home insurance policy provides depends on what policy you purchase, but policies typically protect your home and personal belongings, and they offer liability coverage. Policies vary in price even among the best mobile home insurance companies, so getting multiple quotes is often the best way to find cheap mobile home insurance.
Do I Need Mobile Home Insurance?
What About Modular Home Insurance?
What Does Mobile Home Insurance Cover?
Mobile Home Insurance Quotes
Insurance For Older Mobile Homes
Best Mobile Home Insurance Companies
Do I Need Mobile Home Insurance?
Mobile home insurance isn't required by law, but mortgage companies and mobile home parks may require proof of insurance before working with you. Therefore, anyone who intends to get a mortgage or place their home in a mobile home park needs mobile home insurance. Considering that a new manufactured home in the U.S. costs an average of $70,600, we recommend purchasing mobile home insurance to protect your asset. While policies can be costly, forgoing coverage means putting yourself at risk of a large financial loss.
What About Modular Home Insurance?
Mobile home insurance and modular home insurance policies apply to two different types of homes—meaning if you have one, then you don't need the other. While manufactured homes and modular homes are both built in factories, they have very little in common beyond that. To help you determine whether you'll need to purchase manufactured home insurance or modular home insurance, we provide a list of the common features of the two types of homes below.
Common Characteristics of Manufactured Homes Common Characteristics of Modular Homes
Delivered to the property in one piece. Often delivered to the property in multiple pieces.
Typically built on a metal frame. Typically built on a crawl space or a basement.
Have metal devices that tie to the ground to serve as a foundation. Look like regular homes.
If you're still having trouble figuring out which type of home you have, look for a certification label, also referred to as a Housing and Urban Development (HUD) tag. The HUD tag is a small metal plate that is attached to the outside of a manufactured home. Alternatively, ask your prospective insurance company to help you determine which type of home you have.
What Does Mobile Home Insurance Cover?
Mobile home insurance coverage is vastly similar to a standard homeowners insurance policy. Mobile home insurance provides coverage for the policyholder's home and belongings, and it includes liability protection. Mobile home insurance companies allow policyholders to customize their policies through endorsements, which function as supplements to a standard policy. Endorsements provide coverage that doesn't come standard with a homeowners insurance policy, such as debris removal and water damage from sewers.
Manufactured homes are prone to damage by fire, and some insurance companies exclude fire damage in high-risk regions. Check whether your policy covers this peril. Policyholders can also set unique coverage limits. We provide descriptions of the main coverages offered by homeowners insurance for mobile homes below.
Dwelling Coverage: This coverage helps pay to rebuild or repair the physical structure of your home if it's damaged by a covered peril. For example, if a fire causes a wall in your mobile home to collapse, that would fall under dwelling coverage. Other structures that are covered under dwelling coverage include your roof and a deck that is attached to your mobile home.
Personal Property: Mobile home insurance provides protection for your personal belongings, whether they are damaged or stolen. For instance, if a burglar breaks into your mobile home and steals your laptop, you would be covered. Keep in mind that you would have to pay an insurance deductible to make a claim.
Liability Protection: This coverage protects you when someone is injured on your property. For example, if your neighbor is struck by a falling tree branch on your property, you could be held liable. With this coverage, your insurance company would cover legal defense fees and can pay damages if you're found to be liable. Your insurance company would only offer financial protection up to your coverage limit.
Other Structures: Mobile home insurance policies often include coverage for permanent structures that aren't permanently attached to your home, like a garage or a tool shed.
Additional Living Expense: If you're unable to live in your home due to a covered loss, this coverage provides you with compensation for additional expenses while living elsewhere. For instance, if there's a fire in your mobile home, your insurance company would pay for the cost of a hotel up to your coverage limit.
Mobile Home Insurance Quotes
Searching for mobile home insurance quotes is challenging, as a lot of well-known insurance companies don't provide quotes online. For instance, State Farm and Allstate, two of the nation's largest homeowners insurance companies, require homeowners to speak to representatives to get a mobile home insurance quote. If you're interested in collecting quotes online, consider GEICO mobile home insurance and Progressive mobile home insurance, both of which offer policies through Assurant.
Mobile home insurance cost is largely dependent on the insured home's area, its age and the coverage limits. However, the best way to find cheap mobile home insurance is to shop around for different quotes. If you're having trouble finding mobile home insurance quotes online, consider reaching out to an independent agent in your area. As a reference, we provide sample annual mobile home insurance premiums based on varying coverage limits for a property in Texas below.
Mobile Home Insurance Quotes
Insurance For Older Mobile Homes
Unfortunately, getting insurance for older mobile homes is difficult and costly because mobile homes built before 1976 had unregulated building standards. HUD developed the Manufactured Home Construction and Safety Standards (MHCSS) in 1976. Homes built after June 15, 1976, are called manufactured homes, and those built before that date are referred to as mobile homes.
Nevertheless, homeowners looking to get insurance for older mobile homes should contact an independent agent. While getting quotes for mobile homes online is difficult, it becomes increasingly difficult for older mobile homes. An independent agent can likely get you a quote for a mobile home insurance company in your area. You may have to purchase coverage through a regional insurance company rather than a national one.
Best Mobile Home Insurance Companies
There are a few top-rated mobile home insurance companies that stand above the rest due to their comprehensive coverage options. Below, we outline two of the best mobile home insurance companies.
Assurant Mobile Home Insurance: What makes Assurant one of the top-rated mobile home insurance companies is that it serves as a one-stop shop for policyholders. Assurant provides policyholders with coverage for perils that aren't typical in other mobile home insurance policies, such as floods and earthquakes. While these coverages can be added through other mobile home insurance companies, they come standard with Assurant mobile home insurance—which is both unusual and useful.
Foremost Mobile Home Insurance: Foremost has been insuring mobile homes for more than 55 years, but what makes it one of the best mobile home insurance companies is its breadth of options. Policyholders can sign up for a standard mobile home insurance policy, but they can also add a ton of endorsements. One of its best endorsements is optional replacement cost. The endorsement allows policyholders to replace damaged items with new ones without a deduction for depreciation. While this option is typical for a standard homeowners policy, it's not often seen in mobile home insurance.
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