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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.




Some people view life insurance as an ongoing lottery. They've paid for the ticket, and they're not giving it up until their number has been called. This tendency stems from a misunderstanding of the fundamental purpose of life insurance. Generally, you shouldn't view insurance as an opportunity to make a profit (although some whole life insurance policies do include savings and investment elements); instead, you should view insurance as a tool for reducing risk, and you should reassess that risk regularly to see if it has changed. Homeowners insurance alleviates the risk of financial ruin if your house were to burn down. Auto insurance indemnifies you for liability if you injure somebody else in a collision. Life insurance exists primarily to prevent your loved ones from struggling financially if you pass away before your family is in good financial standing. You wouldn't have a hard time canceling a home or auto insurance policy if you sell your house or car. Similarly, you shouldn't hesitate to cancel a life insurance policy—or allow it to expire—if you've identified that you no longer need it. Here are four questions you should ask yourself to determine whether you still need a life insurance policy. Could my family lose the house or car? Most people purchase life insurance around major milestones, such as buying a house, which may involve substantial long-term loans. If your family can't keep up with those payments in your absence, that property could be repossessed and their lives would be further disrupted. If your life insurance policy is nearing the end of its term, or if you're considering canceling it, you need to revisit these obligations. Do you still have several years left on your mortgage? Did you recently finance the purchase of a car? Think of major property that could be repossessed by your lenders if the outstanding loans aren't paid off, and evaluate your family's ability to pay them off in your absence. In some situations, such as if you're 20 years into a 30-year mortgage, it may be a better option to reduce rather than cancel the amount of life insurance coverage you carry. Doing so would continue to alleviate your family from risk while reducing the cost of your coverage. However, if all of your loan-funded property is paid in full, or if your family's savings and supplemental income is large enough to keep up with payments, you might be able to cancel your coverage. Do I have any present or future financial obligations? In addition to major pieces of property that your family uses on a daily basis, you should review other outstanding debts and future financial obligations that could fall to your family. For example, if your spouse is a co-signer on your credit card, he or she will still be held responsible for any debt associated with that account, and paying it down without your income could be difficult. Or if you're helping your children pay off their student loans, they may struggle keep up with payments in your absence. You should also think of financial obligations you haven't taken on yet. Are you planning to pay for your child's tuition five years from now? Do you expect to pay for a wedding sometime down the road? What about your burial expenses? The average funeral costs $10,000. Could your family afford these expenses without taking on new debt? Hopefully, if you're nearing the end of your policy's term, your major financial obligations are also nearly settled, and you've accumulated a significant savings. If so, and your death wouldn't leave your family with any obligations that they'd struggle to pay for, you might be ready to cancel your policy or choose not to renew it. Will my family be able to keep up with daily expenses without me? While large financial obligations should be your biggest consideration when determining whether you need life insurance, you shouldn't discount the financial burden of everyday life. Your family could be debt-free and still struggle to pay for gas and groceries without your income. Do other members of your family earn enough to support themselves without your income? Have any of them been out of the job market long enough that they'd struggle to get a well-paying job in your absence? What about retirement? Is your significant other on track for retirement, and would he or she be able to stay on track without your income? The last thing you'd want is for your spouse to have to work through retirement because you don't have enough saved. If other members of your family earn enough to pay for their daily expenses, or if you're near your target amount for retirement, then you may be able to terminate your life insurance policy. Would converting my term insurance into a whole life policy make sense? If you carry a term life insurance policy and you're nearing the end of your term, you may start to receive messages from your agent or insurance company encouraging you to convert your insurance to a whole life policy. For most people, whole life insurance is a poor tool for financial indemnification. Insurance brokers may appeal to the logic that, because a whole life policy covers you for life, your family is guaranteed a payout. However, whole life policies are substantially more expensive than term policies, and the rate of returns on the investment portion of those premiums is often low. Average policyholders would do better to maintain their current policies to the end of their terms and invest the difference in premiums themselves. However, two types of people may want to consider a whole life policy: those with significant pre-existing medical conditions and those with estates greater than the estate tax exemption limit. Do I Have any pre-existing conditions? One of the few benefits of converting a term life insurance policy into a whole life policy is that you often aren't required to prove insurability. This means that those with significant medical issues may be able to obtain coverage they wouldn't normally qualify for—at least not at average rates. In some cases, you also may have the option to renew your term policy without a new medical examination, but this is not common. As bleak as it seems, this is one of the rare occasions when life insurance could be used as a sound investment. Individuals who expect to pass away within the next five years could take advantage of a policy conversion to provide a windfall for their beneficiaries without having to pay decades of whole life insurance premiums. However, keep in mind that many people outlive their doctors' prognoses. You may have pre-existing medical conditions and live for 15 or 20 more years. If you do, the value of a whole life policy diminishes accordingly. How much am I leaving to my heirs? In 2018, the estate tax exemption amount is $11.2 million per individual ($22.4 million for couples). Any assets in excess of this limit will be taxed at 40% when they are passed to your beneficiaries. For example, if your estate is worth $15 million, the $3.8 million that exceeds the exemption limit would generate a tax obligation of $1,520,000 for your beneficiaries. If you fall into this small pool of individuals, maintaining a whole life policy that covers an amount equal to your estate tax obligation could provide liquid assets to those inheriting your wealth. Doing so would enable them to pay these taxes without liquidating your property, such as your house, to pay the associated taxes. However, keep in mind that a policy large enough to solve this problem will come with significant premiums.
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