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.
Life insurance proceeds are typically not taxable as income, but can be taxed as part of your estate if the amount being passed to your heirs exceeds federal and state exemptions. You may face income and capital gains taxes if you decide to get rid of your policy through a life insurance settlement or by surrendering it to your insurer. Please note that the information provided here is general, and you should consult your accountant to determine how taxes would be applied in your particular financial situation.
Are Life Insurance Proceeds Taxable?
Taxes on Life Insurance Settlements
Surrendering Your Life Insurance Policy
Are Life Insurance Payments Tax Deductible?
Are Life Insurance Proceeds Taxable?
Life insurance proceeds are not taxable with respect to income tax, so long as the proceeds are paid out entirely as a lump sum, one time, payment. However, if your beneficiary receives the life insurance payment as a series of installments, the insurer will typically pay interest on the outstanding death benefit. Parents will often request to have their life insurance death benefit paid in installments if their beneficiary is a young child or someone dependent on their income. In these cases, your beneficiary would have to pay income tax on the interest.
Estate taxes are an entirely different matter. When you pass away, the executor of your estate will have to file IRS Form 712 as part of your estate tax return. Form 712 states the value of your life insurance policies based upon when you died. If your spouse is your beneficiary, the life insurance payout is not taxed and will be passed on to them fully, along with the rest of your estate that was left to them. Spouses typically have an unlimited exemption with regards to estate taxes.
If your beneficiary is anyone besides your spouse, such as a child or parent, your life insurance payout will typically be added to the value of your estate. This is fine if the total value of your estate is less than the federal and state exemptions. But if your total estate has a greater value than is exempted, any amount over the exemption will be subject to estate and inheritance taxes.
Federal Estate Taxes - The value of your estate that exceeds $5.49 million will be subject to a 40% estate tax rate.
State Estate & Inheritance Taxes - There are 18 states, plus D.C., with an inheritance or estate tax. The estate tax exemption amount varies by state, but typically ranges from $1 million to $2 million. Tax rates can be as high as 20% depending upon where you live.
As a note, your life insurance policy would only be considered as a part of your estate for tax purposes. It would not be included in your estate for other purposes, such as paying creditors, unless you named the estate as beneficiary or all your beneficiaries passed away.
Avoid Estate Taxes with an Irrevocable Life Insurance Trust (ILIT)
One way to avoid life insurance payouts being taxed as part of your estate is to set up an irrevocable life insurance trust. You transfer ownership of the policy to the ILIT and cannot be the trustee. However, you can determine who you want as the trust beneficiary.
While an ILIT is an effective way to make sure that your life insurance death benefit is not taxable as part of your estate, there are a couple situations in which you may face a tax event:
When setting up the trust, if the life insurance policy’s cash value is greater than the gift tax exemption, you may need to pay a gift tax when transferring ownership. The gift tax exemption for 2017 is $14,000 and is increasing in 2018 to $15,000.
If you pass away within three years of transferring the life insurance policy to the trust, the policy will likely become part of your estate from a tax perspective. This is a policy that’s meant to make sure you don’t avoid having your heirs pay taxes by giving away assets as deathbed gifts.
Are Life Insurance Living Benefits Taxed?
Many life insurance policies come with the option of accelerating a portion of your death benefit if you become terminally or chronically ill. This option is helpful as severe illnesses often come with incredibly high hospital and treatment costs. If you are diagnosed with an illness and decide to receive accelerate your death benefit, it’s typically not taxable. From a tax perspective, it’s essentially viewed as you being the beneficiary to a life insurance payout.
Taxes on Life Insurance Dividend Payments & Cash Value
If you have permanent life insurance from a mutual insurance company, you may receive periodic dividends from the company. With mutual insurance companies, the policyholders are essentially the owners, so the company often distributes excess income in the form of annual dividends. Unless the amount of money you receive in dividends exceeds the amount you’ve paid in premiums, life insurance dividend payments are not taxable.
In addition, with permanent insurance policies, each time you pay premiums, a portion of the premium goes towards the policy’s cash value. The cash value is essentially how much money you would receive if you decided to surrender the policy to the insurer. Its growth is tied to interest rates set in the policy terms and is tax-deferred.
You can also take a tax-free loan from the insurer using the policy’s cash value as collateral, so long as the loan doesn’t exceed the cash value. However, if the loan amount exceeds the cash value, the policy might lapse and you would have to pay taxes on the loan.
Transfer for Value Rule & Taxes on Life Insurance Settlements
If you have a life insurance policy in place and decide you no longer need it, perhaps you don’t have kids and your spouse died, you may be able to get a life insurance settlement. In a life insurance settlement, a third party pays you a certain amount of money to become the policyholder and beneficiary, and they take over paying premiums.
The transfer for value rule essentially says that, when you pass away, the third party would have to pay taxes on the life insurance death benefit. However, they don’t pay income taxes on the entire amount. The taxable amount would be the the death benefit minus the value of whatever was paid to you, as well as any amount paid in premiums since they acquired the policy.
As the seller, you would also be subject to taxes on the sale of your life insurance policy. A portion of the life insurance settlement will be taxable as income and the rest will be taxed as capital gains. Here’s how you can approximate how a life insurance settlement would be taxed:
Portion Taxed as Income - This is calculated as the policy’s cash value minus the amount you’ve paid in premiums. Since term life insurance policies don’t have a cash value, this figure would be zero.
Portion Taxed as Capital Gains - First, you determine your total gain on the settlement by subtracting the total premium you’ve paid from the settlement you’ve received. You then subtract the amount that is subject to income tax, the previous result, to arrive at the portion that is taxable as capital gains.
Example: - Let’s assume you sold your life insurance policy, which had a cash value of $150,000 for a $200,000 settlement. Furthermore, you’d already paid $125,000 in premiums. The portion that would be taxed as income would be $25,000 since that is the difference between the policy’s cash value and what you’ve paid in premiums. To calculate the portion that would be taxed as capital gains, you subtract the premiums you’ve paid from the settlement you received, leaving you with $75,000. Then, you subtract the amount that is subject to income tax, which is $25,000 in our example. The remaining $50,000 would be subject to capital gains tax.
Assumptions
Amount Received $200,000
Premium Paid $125,000
Cash Value $150,000
Step One: Calculating The Total Gain
Amount Received $200,000
Premium Paid ($125,000)
Total Gain $75,000
Step Two: Amount Subject to Income Tax
Cash Value $150,000
Premium Paid ($125,000)
Amount Subject to Income Tax $25,000
Step Three: Amount Subject to Capital Gains Tax
Total Gain $75,000
Amount Subject to Income Tax ($25,000)
Amount Subject to Capital Gains Tax $50,000
This division is important as capital gains are taxed at a lower rate than income if you’ve held an investment for over 366 days.
Tax Consequences of Surrendering Your Life Insurance Policy
If you decided to surrender your life insurance policy or were unable to get a life insurance settlement, the policy’s cash value would determine whether you had to pay any taxes. You wouldn’t owe any taxes if the life insurance policy’s cash surrender value was less than the amount you had already paid in premiums. However, if the cash surrender value was greater than the amount paid in premiums, the difference would be taxable as income.
Since term life insurance policies don’t have a cash value, there would be no taxes associated with surrendering the policy. However, you wouldn’t be receiving any money from the insurer either.
Are Life Insurance Payments Tax Deductible?
If you have an individual policy, life insurance premiums are not tax deductible. They’re treated the same as any other expense.
Group term life insurance policies, typically provided by an employer or association, are different. The employer can deduct life insurance premium payments for up to $50,000 of coverage per employee, so long as the employer is not the beneficiary. As an employee or association member, the cost of group or supplemental life insurance can actually be added to your taxable income.
If you have less than $50,000 of group and supplemental term life insurance, you won’t be taxed on the value of it. However, any coverage over $50,000 will be assigned a fair market value by the IRS, which is determined by your age. The amount you pay in premiums is deducted from the fair market value, and the difference is considered to be taxable income. It may seem odd to pay taxes on coverage that you’ve already paid for, but this rule is meant to account for cases in which you receive a discounted rate by purchasing group life insurance. With group coverage, risk is pooled across a large number of people so, if you’re quite unhealthy or older, you may receive a much lower rate than you would get with an individual policy.
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