Free $100 Forex Welcome Credit from ATFX - FxDailyInfo

No Agent Taobao Direct Buying Guide! Let's view all baby and determine

Taobao Direct Guide for users familiar with 3rd party agents and navigating taobao (with chrome google translate on, hence the title)
What is Taobao direct? Basically instead of copying and pasting the item URL into the agent website, you add items to your cart like a regular ecommerce site, check out, wait for items to arrive in the warehouse (similar to what happens when you use an agent) and then when all your items from various sellers are in, you request the logistics company to send everything to you.
Disclaimer: I have no Chinese fluency written or otherwise. I did everything through Google translate and my experience with how tb works through agents. If something goes wrong I will probably write off the item 🤣 if you communicate a lot with the ts who use translators it also helps get your point across. If you type in English in tb live chat they will redirect you to the HK/tw help staff who have medium English. Also I bought items I purchased previously with an agent or vouched for here on RL or had crazy high reviews/ratings.
Pros:
Cons:
I think the ideal usage for taobao direct would be light items like innerwear, jewelry, soft/non fragile goods, generally clothing and shoes although I don’t know if they will include the box by default.
Please see here for the image guide for ordering Sorry in advance if my descriptions are wonky, I'm not great at following OR writing instructions but hopefully the screenshots make it easier to follow along.
  1. Create an account (there are various guides out there for overseas members) and go into your account and add your home address (or the superbuy warehouse address)
  2. Find your items and change the delivery location to "overseas", add to cart
  3. When you're ready to check out hit check out, enter your cc info on the alipay (remember to use a card that doesn't charge foreign transaction fees) and confirm it goes through.
  4. Wait for all your stuff to come in. When its in the tb warehouse it will show up in the "consolidated delivery" section tagged with a weight (usually volumetric or actual). The 20 day countdown will start once its available for international shipping.
  5. After all your items are in, or you can batch up by selecting items on the consolidated delivery page, submit for delivery. Pay again through alipay.
  6. Use the check logistics option to get the tracking info and wait for your haul!
  7. After receiving but before you open, take photos of it on a scale and the lxwxh with a ruler as well. This is because they will overestimate your shipping but there isn't rehearsal shipping like with agents. You can request a refund after the fact with the "refund/complaint" option on the consolidated delivery page (mine says check refund because I've already gone through it)
  8. Getting a refund: select the "only refund" option, "goods received" and "shipping cost does not match" and leave the full shipping amount in. Upload your measurement and weight photos (make sure the file size is not too big). Within 72hr they will reply and ask you to modify your application with the real amount owed (if any). It will go back to your cc through alipay (may take a few days).
Cost comparison: Even after the 5% sales tax and 3% alipay, it cost me $6.20 total from my credit card statement. A 39 yuan top up for sb is $6.53 as of today (if using paypal). For some the qc pictures and the longer storage period are well worth the difference. However a good compromise is the parcel forwarding option in sb. Instead of shipping to your house you can set up superbuy’s warehouse address and pay in taobao and wait for your items to show up in sb. You also have to submit the item link and the tracking # in superbuy so they can find your stuff. There's no sales tax and usually no shipping and you can select the coupons you want. I had a pair of pants make it to the sb warehouse almost 24hr after ordering, and another 24hr after entering my shipping info and item link in sb, it showed up in my account with free (non hd) pictures of the item. Then I cried putting together the shipping parcel lol.
This is a good way to dodge the sales tax and hold items for longer. However then you're at the mercy of the shipping costs (but you do have more options for delivery lines and you can customize how you want your items packaged too). The taobao warehouse will really throw everything in there, probably in a poly envelope.
The taobao shipping rates are 90yuan for the first .5kg and 48 yuan per every .5 after which is very competitive even after accounting for volumetric weight. Sb ems starts at 186 for the first .5kg and 61y every .5kg after. Of course rates and terms are subject to change with the times.
I had a package that came in at 277g when I measured it at home but I was charged for 1.6kg. After sending in the package images they refunded 144yuan (the true volumetric weight was about .97kg.) Taobao volumetric calculation is lxwxh (cm)/6000. Timeline wise I submitted 8/16 and received 8/28 although I think because it was so light they used epacket/china post because it was not an EMS tracking # big sigh. Still less than 10 days can't complain.
Hope this helps! I'm sure I missed something on this guide so feel free to leave any questions and I will update the post accordingly. Apologies this is very us-centric, I also cannot comment on getting a refund or exchange from sellers before you ship out but there is now english support (albeit a bit wonky) through chat and aliwangwang+google translate can get you pretty far.
Ps: highly recommend using the app too as its easier to get chat messages from the seller. You can screenshot and upload images to Google translate to read the text.
submitted by yuchin to RepLadies [link] [comments]

[IC] Mill Max 0305 small GB in Toronto, ON, Canada

Edit: MOQ Met.

Edit 2: We are at 2040 now. Looking for one or two other people to hit the 2500 MOQ pricing point.

Placing the order soon.
I need some Mill Max 0305 for some upcoming boards. For Canadians it's cheaper or the same to order directly from Mouser than to join any Mill Max GBs. I need about 300, but the savings really kick in if you can hit the 1000 unit MOQ price and the free duty covered shipping that comes with it.
Canada Post is expensive and Toronto has a pretty big number of MK enthusiasts. If we do a local only group buy we can meet up (socially distanced) somewhere in the city and get everybody their sockets.
For 12,700 units or under, Mouser ships via USPS Global Priority Mail for just $8 USD. Since it's USPS and we're ordering a very small quantity, we shouldn't really expect any additional costs. Worst case scenario it'll be 13% extra for HST but that's highly unlikely. I've got a 0 ForEx fee credit card so we should get about the same exchange rate as what it shows on Google.
For 1000 units and over Mouser will ship to Canada for free, duty included in the price. Works out to be around $0.128 CAD per socket. It's slightly higher than what it'd be if we paid in USD, but it's worth it for the peace of mind. I've updated the table below.
Here's a price comparison table. Archetype GB includes shipping to Canada ($12.75), PP fees and an estimate of other overhead costs (1c per socket).
Quantity Mouser Direct (USD) Archetype GB (USD) This local GB (USD) This local GB (CAD)
140 (One 65%) $22.56 $25.63 $13.65 $17.92
280 (Two 65%) $37.12 $38.17 $27.30 $35.84
To keep things simple this will be for 0305 sockets ONLY. It seems like to date there hasn't been a board that has had problems with these.
I'd like to keep the quantity between 1000 - 1200 for this GB. Just 2-5 people max. Like I mentioned before it's locals only.
If you want 500 then I will get the other 500 and call it a day to make things even simpler. You can come pick up from me on the east end, or we can set a date and time somewhere more convenient in the city.
I'll be counting these by weight. I have a very accurate LB501 digital scale. You should still order 5 - 10% more than you need just to account for count / damage during installation.
You can pay me via Paypal and cover the fees, or you can pay me half up front in Interac EMT and pay the other half when you pick up.
I have lots of feedback here and at /ecigclassifieds. I've ran a similar local GB before for DIY flavors so I'm familiar with the process.
If there's enough interest I'll draw up the details and will post / contact you with more info.
submitted by SirTimmyTimbit to mechmarket [link] [comments]

Immediate Edge Review, Is Immediate Edge SCAM Or Legit Trading App?

Immediate Edge Review, Is Immediate Edge SCAM Or Legit Trading App?

Immediate Edge Review: Is This Crypto Robot Legit or Scam
Immediate Edge Review and investigation 20twenty. The Immediate Edge app is a crypto, forex and choices trading robot utilized by folks to automatically obtain and sell Bitcoin and create profits. Wanting at the website, many people claim it helped them move from rags-to-riches trading Bitcoin. Further, some claims linked it to Ronaldo and Sir Alex Ferguson

https://preview.redd.it/rttn3i4hohm51.jpg?width=1280&format=pjpg&auto=webp&s=8f0dc345c3ace4032d571d44fabe356f13ff1a33
Is Immediate Edge app legit or scam? Whereas the claims of its linkage to the higher than celebrities are unverifiable, we tend to can verify that the app is not a scam and permits individuals to trade Bitcoin using the Fibonacci strategy with ten minutes time frames
The app, that allows people to deposit at least $250 through mastercard and Sofort, scores 88% rate and a 5 stars as a real software
Since there are several scam cryptos, forex and options brokers who trick individuals to depositing money, and then they run away with the funds, we have taken time to review this software to determine if it is real or a scam.
Is Immediate Edge scam or legit
High success rate is reported by users with this software.
The Immediate Edge web site provides truthful claims about the service though it will not mean the crypto trading risks are eliminated with its use.
Customers should start with the minimum investment and increase it when satisfied with the utilization of the app.
Click the link to access Immediate Edge official web site or keep reading to understand more
This software will not seem to be a scam and users report that it helped them make real money trading on it.b site
What is Immediate Edge App?
Immediate Edgecould be a robot or auto-trading software that allows folks to trade forex, crypto and binary choices. A user deploys the algorithm-primarily based bot, which relies on a trading strategy that's automatically executed on a broker trading platform once deployed.
The strategy is coded or set like to permit the user to automatically get and sell crypto, stock or choices on the broker platform at favorable prices, to form profits. It can do automatic market analysis by analyzing a vast amount of knowledge from completely different sources, at intervals seconds and with high accuracy, then use the data to predict the costs. It can then come up with a transparent buy or sell tradable signal and then execute it automatically by shopping for and/or selling on the broker platform.
The software can, therefore, save a trader thousands of manual hours and labor they might have spent analyzing information to form trading choices and to follow the markets and to position and close trades. You conjointly do not want to understand anything concerning crypto, stock or option trading to use this auto trading app, although it is suggested to possess this information to keep improving on trading.
Trading bots will achieve high success rates of more than 90p.c and have been tested to work. You may be searching for Immediate Edge scam but the website can tell you that you can expect to earn between $950 and $a pair of,two hundred per day using the software but that depends on your expertise. As a newbie, you'll not start making that a lot of immediately and conjointly it depends on how a lot of you invest. With an investment of $250, you'll be able to expect to form a lot of lesser although some people claim to own made $12a pair of in a very few hours using this software.
That will not mean Immediate Edge is error-free. There still is a heap of unpredictable high volatility in crypto and bots will make mistakes and errors to create losses. Auto trading robots are better employed in combination with manual trading strategies.

https://preview.redd.it/1zkt9v3johm51.jpg?width=1280&format=pjpg&auto=webp&s=85f7e7f5d0e9d6b60b4a8a6e37bb344dbbb8305c
Immediate Edge Review
How will Immediate Edge work?
All a user has to try and do is join up at the Immediate Edge web site, then deposit funds to have access to the robot, when which they can begin trading by switching on the bot. It will would like no control or intervention from humans, beyond beginning and stopping it.
You additionally need to stay checking, daily, to observe the performance of the software in doing its job and ensure that it is earning any returns needless to say. From there, you can confirm whether or not to extend or decrease your investment towards crypto, options or stock trading using this robot.
You'll be able to also monitor performance to be ready to regulate the trading settings from your dashboard and optimize totally different features of the trading bot for instance set amount of trades or amount to invest in every trade.
Founder of Immediate Edge
In line with the Immediate Edge website, this trading bot was founded by Edwin James. Reportedly, he created billions with forex, crypto, and binary options trading and still shares his strategies on the way to trade the assets on the app.
He founded the app to create it potential for brand spanking new traders to create cash in less than 3 minutes of signing up.
How to sign up on Immediate Edge:
Registration: Registering or signing up on the website is free but to start trading, you want to deposit no less than $250. You discover a registration type on the top right of the page, on that you type in your email, full names and phone numbers and country code. Create a password to be used for logging in later.
Deposit funds: Depositing funds allows you to connect to a robot broker and then you'll begin the bot to start out trading. You'll deposit with Visa, Wire Transfers, Klarna or Skrill. The currencies supported are Swiss Franc, British Pound, US Greenback, and Euro and using a credit or debit card limits deposits to less than $/£/€/?10,00zero in one day and $/£/€/?40,000 in an exceedingly month.
Immediate Edgeisn’t licensed to handle your funds, it works with brokers to handle the cash once it's deposited.
Demo trading: Relying on the broker you're connected to, you can begin to practice trading with the Immediate Edge software. Some brokers do not have this feature on their platforms. Still, with the latter, you can test their options before you deposit cash to try and do live trading. With the demo options, you'll be able to familiarize yourself with the trading house before beginning to use real money to trade.
Trading: Before and when you've got switched on auto-trading, you would like to check the trading settings daily. You'll regulate some things including stop-loss orders and when to try to to them, amount to speculate per trade and how several trades to try to to per day. You'll be able to also choose that cryptocurrencies to trade, and you'll be able to select all the most in style ones together with Bitcoin and Ethereum. You also get to observe the profits/losses and decide if to continue and/or when to prevent.

https://preview.redd.it/c9scw5fkohm51.jpg?width=1280&format=pjpg&auto=webp&s=3d127be2887c4c8960023a8cf1b1f55297dbf250
Withdrawals, user verification, cost of using the app and alternative options

The payouts or withdrawals are made by filling letter of invitation type on the funds’ management page and it can take two operating days to replicate in your checking account. No fee is charged on withdrawals. You'll withdraw your cash including the capital while not a lot of problem on this app, that is better than several that don't enable withdrawals at any time
While some bots need verifications by asking for your ID and statements, this one will not. You are done once uploading your payment details. The bot charges a commission on profit. Besides, you get twenty fouseven client support on Immediate Edge
Immediate Edge may be a legit, secure, user-friendly trading application for crypto, stocks, and choices. It has a zealous customer service and reports a high success rate. Another smart robot we have recently reviewed is Bitcoin Professional
We tend to hope that this review helped you to make a decision concerning this trading app. Additionally, subscribe to our web site to be invariably notified concerning new software from this industry. For live reviews subscribe to our Youtube Channel or FB Page.

https://www.immediateedge.org/
https://www.facebook.com/immediateedge/
https://www.pinterest.co.uk/immediateedge/
https://twitter.com/EdgeImmediate
https://www.instagram.com/immediateedge/
submitted by EggNecessary9499 to u/EggNecessary9499 [link] [comments]

Upcoming changes to Rogers/Fido Card

https://www.rogersbank.com/en/notification
Earn 3% unlimited cash back rewards on all your eligible purchases made in a foreign currency
Earn 2% unlimited cash back rewards on Rogers™ products and services charged to your card including your Rogers, Fido™ or chatr™ monthly bill
Earn 1.25% unlimited cash back rewards on all other eligible purchases
submitted by pFinanceNewbee to PersonalFinanceCanada [link] [comments]

Brim Financial Mastercard is being sent out

I got an email yesterday saying that they were processing card applications in the order they were received and to stay posted. I got another email today saying my application had been approved and to expect my card in about a week.
Has anyone else got these emails? We'll see how this pans out !
submitted by always_xoxo to PersonalFinanceCanada [link] [comments]

Become a financial investor with £300 and make £50 for doing nothing

Good Day! If you are looking for a quick easy way to earn £50 in commission then you are in the right place.
Wether you're a student, full-time/part time worker or unemployed you can do this easily in 30 minutes or less.
Many people are promoting forex programmes that only benefit themselves and probably offer you a book that explains nothing nothing more than you can learn on babypips.com
I offer an educational group on an app called telegram (You can download it off the App Store, Android store or windows store.) And we can help you become traders not by selling worthless signals but by teaching you how to trade independently, a lifetime service for free.
Now all this sounds too good to be true right? And what about that '£50 commission you told me about?'
Well I work with a brokerage that when I get signed up and you trade with them I earn commission, For you doing so I am willing to give back to my team £50 via PayPal, Skrill or BTC, whatever floats your boat as a way of saying, Since you helped me, i'll help you.
Plus I am offering you another investment opportunity in yourself, The way I think about trading on the financial markets is not a 'Get rich quick' scheme, or a 100% Guaranteed profit making strategy. I Just like many other traders have had bad weeks/months on the markets but the way to overcome it is to manage your risk and to make sure your bad weeks or months are nothing compared to your good ones. If you invest £1000 into a savings account and leave it there on say your 0.01% interest rate for a year you now have £1010. Congratulations you bank has now done for you what you could do in a week easily. You can open a trade on the lowest risk possible and make that if you find the right swing in the market, which with the right guidance and mindset and experiment, is not all too hard to do.
Depositing with a broker is like depositing into a bank account. I can 100% guarantee there will be someone reading this thinking this is a scam, they are just going tot take your money and run. Be assured that I never see your money, when you hand over money to deposit cash into your bank account do you see your cashier take it and put it in their wallet/purse and then it not show up into your account? You are simply depositing money into your own account that only you will have access too and it is there for you to do what you would like with, you can be risky and trade big though I wouldn't recommend this, if you want to though I think you shout find the swing that would work the best for it, find every confirmation possible and enter where there is lowest risk to your account. But for most traders actually wanting to make a steady investment on their capital they can trade low risk, find the swings exactly how I just mentioned and grow your account bit by bit.
As I said previously we offer training in the markets and this is exactly what we are trying to achieve. We don't charge a monthly service fee unlike most in this line of work, instead we actually make our living trading and use the commission from the broker as a service charge, basically like a tip to our weekly profits we use for leisure or to take the Mrs out for dinner :)
If you are interested or have any questions drop a message to either me privately or if you think it is beneficial to everyone reading then add it to the bottom of this thread.
We are more than happy to speak to you over telegram 1-1 and if you need to you can voice call over the app too. However you must be 18+ have some sort of ID and credit/debit card to sign up with the broker.
** If you are unsure when signing up with the broker you can research them/call them whatever you like. We only work with brokers that are registered under the FCA (Financial Conduct Authority)
submitted by Will_AFX to u/Will_AFX [link] [comments]

Credit Card for Travel?

After some help from this sub a couple of years back, I equipped myself with a 28 Degrees credit card and a Citibank card for ATM withdrawls. This worked fine at the time.
However, I am reading mixed reviews/opinions about some changes to 28D in that it now has fairly high fees.
Was hoping to get some recommendations on what cards you use to travel abroad with, with the focus on no/low fees.
Thanks!
submitted by jakc13 to AusFinance [link] [comments]

Global agent recruitment NEEBank — the digital bank

Global agent recruitment NEEBank — the digital bank
During its process of NEEBank’s official launch at the end of 2020 (in Dubai) and its official operation at the beginning of 2021, NEEBank is proud to announce its global agent recruitment NEEBank.
NEEBank is a digital bank based in Dubai (the UAE), India and Singapore. It’s the first digital bank to operate all of its services online all over the world. Thanks to Blockchain application, NEEBank can get through all boundaries of borders, currency differences, communities, and the environment. The bank also works 24/7 free of charge (no registration fee, no account maintenance fee, no forex fee, etc..). Beside FREE services, NEEBank has many other competitive features such as high saving interest, appealing lending interest, NEECREDIT service — a smart feature to automatically evaluate a person’s credit by AI, using IoT and Blockchain.
Together with its key field (Finance — Investment), International Money Transfer — Remittance Services are also seen as NEEBank’s strength. These services are convenient, simple and user-friendly and can be used globally.
NEEBank offers this chance to all partners — individuals, organizations, business people — from all over the world to join us to enjoy wonderful benefits and advantages.

Global agent recruitment NEEBank
THE BENEFITS FOR NEEBANK’S AGENTS (NEEBankers)
TASKS:
  • Search for and assist clients to open their bank accounts (IDBANK)
  • Perform exchange services (NEE Exchange)
  • Perform international money transfer — remittance services (NEEX)
  • Top-Up — allowing clients to deposit and withdraw money (ATM)
  • Perform other services: lending, saving, issuing cards, insurance, credit, bill payment, etc…
BENEFITS — ADVANTAGES
  • Get NEE rewards when a client opens a free account (with a Referral Link)
  • 10% reward when exchanging USDex
  • Get the differences between currencies when perform forex service
  • Get agent commission for 9 levels for saving, depositing, lending, credit services
  • 80% of the service fee for NEEBank’s services
  • Get20% cashback per month when completing payment / transactions with NEEBank’s acocunts
  • Get the interest at the rate of 24% — 36% for the deposit package
And many other advantages at the time of official operation of NEEBank in 2021
HOW TO SIGN UP
See detial
submitted by NEEBank to u/NEEBank [link] [comments]

Best credit cards reward program in India?

Thanks for the overwhelming response to my question about best forex card, and I finally settled for Redditor's favourite (but unknown to me) GO NiYO card.
I am out for suggestions on the best credit card keeping in view of the rewards program. The card should be free (no registration charge/ annual fee etc.) I am currently using HDFC Regalia First (their basic variety), but rewards are bare minimum (slow accrual rate and 1 point is just 0.3 rupees).
Like GO NiYo, any unknown gem? I would have gone with "Chase Sapphire" had it been available in India.
Thank you,
Felix
submitted by ExaltFibs24 to india [link] [comments]

Psa: you can buy star credits for the battlepass outside the game.

Open disclosure, i am not promoting these shops or am affiliated with them. Im just sharing based on my knowledge after buying the battle pass for me and my girlfriend as we play together.
As the battlepass is only 428 SC, and the minimum SC to buy ingame is 565 SC, you end up spendig 11-11.5USD (15 singapore dollars!) and wasting 25% of those freaking SC, because you cant buy jack shit with the leftover 100ish SCs unless you topup further. (Netease and its incompetent business models...)
Ive found two main methods to mitigate this.
The first is to buy from Gamers Mall SEA seagm.com . You can buy a smaller increment of SC, the perfect number is 435 for 10.5 sgd. This is actually 9.82 sgd plus 0.81 sgd transaction fee for using paypal. You only waste 7 SC to buy the 428 battlepass. You also get to finally claim the free cap america, marvel, and scarlet witch along with the recharge incentives.
Savings: This works out to 18 cents USD per SC. The ingame cost,fyi, is 19.6 cents USD so a decent 8-9% discount. (Sg guys forgive my USD conversions but hoping to let our bros from rest of sea understand easier)
However to me this is absolutely worth it because
  1. You dont have leftover unusable SC
  2. The 8% discount will increase if you buy more amounts, im sure if you buy 20 odd dollars worth, you probably save closer to 12%-15%
For Singapore gamers i have another potential but not tested hack, using malaysian ringgit. Fyi, singapore, indonesia and thailand gamers get a extra surcharge compared to other sea gamers. For 565 credits, we pay 11-11.50 usd equivalent (15sgd/349 thb/150k rupiah).
Our friends from Malaysian, Philippines pay 9.8 usd (40my499php) so more than 10% less!
The hack is using codashop.com, and simply choosing to pay in malaysian ringgit visa. At the myr price, we pay only 40 ringgit or 13ish sgd instead of 15. The 1odd dollar sounds small but again is a 10% difference that you can use to... buy a cup of kopi? Lol. The rate is close enough at 17ish USD cents per SC, though i admit that forex conversions charges using credit card will probably bump it to 18 cents per SC in the end. Still cheaper than ingame.
Of the two methods, i find the first one with GMSEA is better anyway as you dont need to try to play forex conversions, and you only need enough for the battlepass. Nonetheless both are still cheaper than ingame purchases in both absolute amount ( buying the minimum needed for battlepass) or proportionally (more SC for less spend).
Hope this was helpful!
submitted by bibibabibu to MarvelSuperWar [link] [comments]

How To Make Payment With Neteller

How To Make Payment With Neteller

How To Make Payment With Neteller
Neteller
Neteller is a payment system originated from Canada, in 1999.
Neteller is considered to be a part of the Paysafe Group which is a British global payment group and this group has no banking license.
Neteller is an online wallet that allows you to deposit, withdraw and transfer funds online.
Neteller provides payments in 24 hours and instant cash transfers to and from affiliated merchant sites and between NETELLER account holders.
It targets the customers from social network businesses and forex trading groups.
It provides its users a prepaid card, which helps its clients to make payment on online stores that accept Neteller as a payment solution or Mastercard using Neteller prepaid card.
What is NETELLER instaCASH?
NETELLER instaCASH allows you to use the bank account you registered with NETELLER to transfer funds to your account. And more importantly this facility is available only for canadians.
NETELLER instaCASH system is used to check the balance of your NETELLER account.
You can do a minimum amount of transfer using instaCASH is $10.
How To Open An Account With Neteller?

Neteller
To open an account in neteller first go to https://www.neteller.com/
In that right side corner, you find a button called join for free
No you redirected to https://member.neteller.com/
Input your details in the registration form

Neteller Registeration
And click Register now button.
Next a page fill once again the registered email id and password

Neteller Login
Once entered click Join for free button.
It will then take you to the dashboard of your own
How To Make Payment With Neteller
NETELLER makes paying online easy, even where the debit and credit cards may not work.
To make payment in online go to neteller website and click pay online button in the menu
You are redirected to the page where you have to enter you login details
Once entered the details and sign in you noticed your dashboard holding the message of two options where you can pay online and send/receive money.
For paying online click that button

neteller Dashboard
After clicking pay online button, you noticed

Pay online with Neteller

In the above image click the get started button, where a box open which ask you to enter country and currency type

Currency setting in Neteller account

After this you have to fill all your details and click continue
Next a verification code is sent to your registered phone number

Enter the code in below image
Neteller verification

Once you enter the verification code click verify button
Next step you have to input 6 digit number to create secure code number for your account


neteller login
Enter the 6 digit number and save it.
You are now ready to get your account id and secure id
Next you can add money by clicking Money IN button on left side

You can deposit payment via Visa debit card, Visa credit card, Visa electron, paysafe card.
Here you can choose your payment option and start depositing the money.
Payment option in Neteller
Note:
You can deposit only 5 times deposits per day in free account

Payment Option in neteller
Min transaction 5.00 USD
Max transaction 150.00 USD

Payment Option in neteller


Once you have received confirmation that your transfer was successful, your funds will be instantly available in your account
Once you input sufficient funds into your Neteller account you can start for money transfer options from your dashboard.
You can also trade cryptocurrencies by choosing the crypto options in your dashboard.


Payment Option in neteller

And you can check your transaction history from the history option in your Neteller dashboard.
How To Add funds In NETELLER InstaCASH Account
To fund your account with NETELLER instaCASH account you need to first ,Log in to your account.
In the NETELLER payment option, click on "Deposit now".
Enter the amount you wish to transfer and your bonus code (if you have one).
Then enter your NETELLER 'Account ID' and 'Secure ID' that were sent to you in the registration email you received from NETELLER.
Enter the last 4 digits of the bank account that you registered with NETELLER. Click 'Submit'.
Once you have received confirmation that your transfer was successful, your funds will be instantly available in your account
How To Do Withdrawal From Neteller Account
You can also do withdrawals from NETELLER accounts
For withdrawing, you need to have made a successful deposit with your NETELLER account.
If you already have made a successful deposit with your NETELLER account, simply login and, click 'Withdrawal' and then select NETELLER. Your cash will be sent electronically to your NETELLER account.
And you can do withdraw in the same day that the amount was deposited
Note: All the withdrawals are first approved by the internal review team, which takes approximately up to three business days.
Once they process your withdrawal, it will take 2 - 6 hours for the funds to appear in your bank account.
Advantages Of Netseller
Neteller offers more than 40 payment options to its customers.Most of the merchants choose this platform because here the payment option is well easy to control the funds.
It allows its Customers to send money to their merchants as well as receive funds from them.
Neteller users can deposit their accounts by transferring money from their online banking account, debit, and credit card.
Neteller has the option of VIP programs. In this program the users receive the VIP status , and allows them to perform a high volume of transactions. This status influences fees, withdrawal limits, and other features.
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Which are your Top 5 favourite coins out of the Top 100? An analysis.

I am putting together my investment portfolio for 2018 and made a complete summary of the current Top 100. Interestingly, I noticed that all coins can be categorized into 12 markets. Which markets do you think will play the biggest role in the coming year?
Here is a complete overview of all coins in an excel sheet including name, market, TPS, risk profile, time since launch (negative numbers mean that they are launching that many months in the future) and market cap. You can also sort by all of these fields of course. Coins written in bold are the strongest contenders within their market either due to having the best technology or having a small market cap and still excellent technology and potential. https://docs.google.com/spreadsheets/d/1s8PHcNvvjuy848q18py_CGcu8elRGQAUIf86EYh4QZo/edit#gid=0
The 12 markets are
  1. Currency 13 coins
  2. Platform 25 coins
  3. Ecosystem 9 coins
  4. Privacy 10 coins
  5. Currency Exchange Tool 8 coins
  6. Gaming & Gambling 5 coins
  7. Misc 15 coins
  8. Social Network 4 coins
  9. Fee Token 3 coins
  10. Decentralized Data Storage 4 coins
  11. Cloud Computing 3 coins
  12. Stable Coin 2 coins
Before we look at the individual markets, we need to take a look of the overall market and its biggest issue scalability first:
Cryptocurrencies aim to be a decentralized currency that can be used worldwide. Its goal is to replace dollar, Euro, Yen, all FIAT currencies worldwide. The coin that will achieve that will be worth several trillion dollars.
Bitcoin can only process 7 transactions per second (TPS). In order to replace all FIAT, it would need to perform at at least VISA levels, which usually processes around 3,000 TPS, up to 25,000 TPS during peak times and a maximum of 64,000 TPS. That means that this cryptocurrency would need to be able to perform at least several thousand TPS. However, a ground breaking technology should not look at current technology to set a goal for its use, i.e. estimating the number of emails sent in 1990 based on the number of faxes sent wasn’t a good estimate.
For that reason, 10,000 TPS is the absolute baseline for a cryptocurrency that wants to replace FIAT. This brings me to IOTA, which wants to connect all 80 billion IoT devices that are expected to exist by 2025, which constantly communicate with each other, creating 80 billion or more transactions per second. This is the benchmark that cryptocurrencies should be aiming for. Currently, 8 billion devices are connected to the Internet.
With its Lightning network recently launched, Bitcoin is realistically looking at 50,000 possible soon. Other notable cryptocurrencies besides IOTA and Bitcoin are Nano with 7,000 TPS already tested, Dash with several billion TPS possible with Masternodes, Neo, LISK and RHOC with 100,000 TPS by 2020, Ripple with 50,000 TPS, Ethereum with 10,000 with Sharding.
However, it needs to be said that scalability usually goes at the cost of decentralization and security. So, it needs to be seen, which of these technologies can prove itself resilient and performant.
Without further ado, here are the coins of the first market

Market 1 - Currency:

  1. Bitcoin: 1st generation blockchain with currently bad scalability currently, though the implementation of the Lightning Network looks promising and could alleviate most scalability concerns, scalability and high energy use.
  2. Ripple: Centralized currency that might become very successful due to tight involvement with banks and cross-border payments for financial institutions; banks and companies like Western Union and Moneygram (who they are currently working with) as customers customers. However, it seems they are aiming for more decentralization now.https://ripple.com/dev-blog/decentralization-strategy-update/. Has high TPS due to Proof of Correctness algorithm.
  3. Bitcoin Cash: Bitcoin fork with the difference of having an 8 times bigger block size, making it 8 times more scalable than Bitcoin currently. Further block size increases are planned. Only significant difference is bigger block size while big blocks lead to further problems that don't seem to do well beyond a few thousand TPS. Opponents to a block size argue that increasing the block size limit is unimaginative, offers only temporary relief, and damages decentralization by increasing costs of participation. In order to preserve decentralization, system requirements to participate should be kept low. To understand this, consider an extreme example: very big blocks (1GB+) would require data center level resources to validate the blockchain. This would preclude all but the wealthiest individuals from participating.Community seems more open than Bitcoin's though.
  4. Litecoin : Little brother of Bitcoin. Bitcoin fork with different mining algorithm but not much else.Copies everything that Bitcoin does pretty much. Lack of real innovation.
  5. Dash: Dash (Digital Cash) is a fork of Bitcoin and focuses on user ease. It has very fast transactions within seconds, low fees and uses Proof of Service from Masternodes for consensus. They are currently building a system called Evolution which will allow users to send money using usernames and merchants will find it easy to integrate Dash using the API. You could say Dash is trying to be a PayPal of cryptocurrencies. Currently, cryptocurrencies must choose between decentralization, speed, scalability and can pick only 2. With Masternodes, Dash picked speed and scalability at some cost of decentralization, since with Masternodes the voting power is shifted towards Masternodes, which are run by Dash users who own the most Dash.
  6. IOTA: 3rd generation blockchain called Tangle, which has a high scalability, no fees and instant transactions. IOTA aims to be the connective layer between all 80 billion IOT devices that are expected to be connected to the Internet in 2025, possibly creating 80 billion transactions per second or 800 billion TPS, who knows. However, it needs to be seen if the Tangle can keep up with this scalability and iron out its security issues that have not yet been completely resolved.
  7. Nano: 3rd generation blockchain called Block Lattice with high scalability, no fees and instant transactions. Unlike IOTA, Nano only wants to be a payment processor and nothing else, for now at least. With Nano, every user has their own blockchain and has to perform a small amount of computing for each transaction, which makes Nano perform at 300 TPS with no problems and 7,000 TPS have also been tested successfully. Very promising 3rd gen technology and strong focus on only being the fastest currency without trying to be everything.
  8. Decred: As mining operations have grown, Bitcoin’s decision-making process has become more centralized, with the largest mining companies holding large amounts of power over the Bitcoin improvement process. Decred focuses heavily on decentralization with their PoW Pos hybrid governance system to become what Bitcoin was set out to be. They will soon implement the Lightning Network to scale up. While there do not seem to be more differences to Bitcoin besides the novel hybrid consensus algorithm, which Ethereum, Aeternity and Bitcoin Atom are also implementing, the welcoming and positive Decred community and professoinal team add another level of potential to the coin.
  9. Aeternity: We’ve seen recently, that it’s difficult to scale the execution of smart contracts on the blockchain. Crypto Kitties is a great example. Something as simple as creating and trading unique assets on Ethereum bogged the network down when transaction volume soared. Ethereum and Zilliqa address this problem with Sharding. Aeternity focuses on increasing the scalability of smart contracts and dapps by moving smart contracts off-chain. Instead of running on the blockchain, smart contracts on Aeternity run in private state channels between the parties involved in the contracts. State channels are lines of communication between parties in a smart contract. They don’t touch the blockchain unless they need to for adjudication or transfer of value. Because they’re off-chain, state channel contracts can operate much more efficiently. They don’t need to pay the network for every time they compute and can also operate with greater privacy. An important aspect of smart contract and dapp development is access to outside data sources. This could mean checking the weather in London, score of a football game, or price of gold. Oracles provide access to data hosted outside the blockchain. In many blockchain projects, oracles represent a security risk and potential point of failure, since they tend to be singular, centralized data streams. Aeternity proposes decentralizing oracles with their oracle machine. Doing so would make outside data immutable and unchangeable once it reaches Aeternity’s blockchain. Of course, the data source could still be hacked, so Aeternity implements a prediction market where users can bet on the accuracy and honesty of incoming data from various oracles.It also uses prediction markets for various voting and verification purposes within the platform. Aeternity’s network runs on on a hybrid of proof of work and proof of stake. Founded by a long-time crypto-enthusiast and early colleague of Vitalik Buterin, Yanislav Malahov. Promising concept though not product yet
  10. Bitcoin Atom: Atomic Swaps and hybrid consenus. This looks like the only Bitcoin clone that actually is looking to innovate next to Bitcoin Cash.
  11. Dogecoin: Litecoin fork, fantastic community, though lagging behind a bit in technology.
  12. Bitcoin Gold: A bit better security than bitcoin through ASIC resistant algorithm, but that's it. Not that interesting.
  13. Digibyte: Digibyte's PoS blockchain is spread over a 100,000+ servers, phones, computers, and nodes across the globe, aiming for the ultimate level of decentralization. DigiByte rebalances the load between the five mining algorithms by adjusting the difficulty of each so one algorithm doesn’t become dominant. The algorithm's asymmetric difficulty has gained notoriety and been deployed in many other blockchains.DigiByte’s adoption over the past four years has been slow. It’s still a relatively obscure currency compared its competitors. The DigiByte website offers a lot of great marketing copy and buzzwords. However, there’s not much technical information about what they have planned for the future. You could say Digibyte is like Bitcoin, but with shorter blocktimes and a multi-algorithm. However, that's not really a difference big enough to truly set themselves apart from Bitcoin, since these technologies could be implemented by any blockchain without much difficulty. Their decentralization is probably their strongest asset, however, this also change quickly if the currency takes off and big miners decide to go into Digibyte.
  14. Bitcoin Diamond Asic resistant Bitcoin and Copycat

Market 2 - Platform

Most of the cryptos here have smart contracts and allow dapps (Decentralized apps) to be build on their platform and to use their token as an exchange of value between dapp services.
  1. Ethereum: 2nd generation blockchain that allows the use of smart contracts. Bad scalability currently, though this concern could be alleviated by the soon to be implemented Lightning Network aka Plasma and its Sharding concept.
  2. EOS: Promising technology that wants to be able do everything, from smart contracts like Ethereum, scalability similar to Nano with 1000 tx/second + near instant transactions and zero fees, to also wanting to be a platform for dapps. However, EOS doesn't have a product yet and everything is just promises still. Highly overvalued right now. However, there are lots of red flags, have dumped $500 million Ether over the last 2 months and possibly bought back EOS to increase the size of their ICO, which has been going on for over a year and has raised several billion dollars. All in all, their market cap is way too high for that and not even having a product.
  3. Cardano: Similar to Ethereum/EOS, however, only promises made with no delivery yet, highly overrated right now. Interesting concept though. Market cap way too high for not even having a product. Somewhat promising technology.
  4. VeChain: Singapore-based project that’s building a business enterprise platform and inventory tracking system. Examples are verifying genuine luxury goods and food supply chains. Has one of the strongest communities in the crypto world. Most hyped token of all, with merit though.
  5. Neo: Neo is a platform, similar to Eth, but more extensive, allowing dapps and smart contracts, but with a different smart contract gas system, consensus mechanism (PoS vs. dBfT), governance model, fixed vs unfixed supply, expensive contracts vs nearly free contracts, different ideologies for real world adoption. There are currently only 9 nodes, each of which are being run by a company/entity hand selected by the NEO council (most of which are located in china) and are under contract. This means that although the locations of the nodes may differ, ultimately the neo council can bring them down due to their legal contracts. In fact this has been done in the past when the neo council was moving 50 million neo that had been locked up. Also dbft (or neo's implmentation of it) has failed underload causing network outages during major icos. The first step in decentralization is that the NEO Counsel will select trusted nodes (Universities, business partners, etc.) and slowly become less centralized that way. The final step in decentralization will be allowing NEO holders to vote for new nodes, similar to a DPoS system (ARK/EOS/LISK). NEO has a regulation/government friendly ideology. Finally they are trying to work undewith the Chinese government in regards to regulations. If for some reason they wanted it shut down, they could just shut it down.
  6. Stellar: PoS system, similar goals as Ripple, but more of a platform than only a currency. 80% of Stellar are owned by Stellar.org still, making the currency centralized.
  7. Ethereum classic: Original Ethereum that decided not to fork after a hack. The Ethereum that we know is its fork. Uninteresing, because it has a lot of less resources than Ethereum now and a lot less community support.
  8. Ziliqa: Zilliqa is building a new way of sharding. 2400 tpx already tested, 10,000 tps soon possible by being linearly scalable with the number of nodes. That means, the more nodes, the faster the network gets. They are looking at implementing privacy as well.
  9. QTUM: Enables Smart contracts on the Bitcoin blockchain. Useful.
  10. Icon: Korean ethereum. Decentralized application platform that's building communities in partnership with banks, insurance providers, hospitals, and universities. Focused on ID verification and payments. No big differentiators to the other 20 Ethereums, except that is has a product. That is a plus. Maybe cheap alternative to Ethereum.
  11. LISK: Lisk's difference to other BaaS is that side chains are independent to the main chain and have to have their own nodes. Similar to neo whole allows dapps to deploy their blockchain to. However, Lisk is currently somewhat centralized with a small group of members owning more than 50% of the delegated positions. Lisk plans to change the consensus algorithm for that reason in the near future.
  12. Rchain: Similar to Ethereum with smart contract, though much more scalable at an expected 40,000 TPS and possible 100,000 TPS. Not launched yet. No product launched yet, though promising technology. Not overvalued, probably at the right price right now.
  13. ARDR: Similar to Lisk. Ardor is a public blockchain platform that will allow people to utilize the blockchain technology of Nxt through the use of child chains. A child chain, which is a ‘light’ blockchain that can be customized to a certain extent, is designed to allow easy self-deploy for your own blockchain. Nxt claims that users will "not need to worry" about security, as that part is now handled by the main chain (Ardor). This is the chief innovation of Ardor. Ardor was evolved from NXT by the same company. NEM started as a NXT clone.
  14. Ontology: Similar to Neo. Interesting coin
  15. Bytom: Bytom is an interactive protocol of multiple byte assets. Heterogeneous byte-assets (indigenous digital currency, digital assets) that operate in different forms on the Bytom Blockchain and atomic assets (warrants, securities, dividends, bonds, intelligence information, forecasting information and other information that exist in the physical world) can be registered, exchanged, gambled and engaged in other more complicated and contract-based interoperations via Bytom.
  16. Nxt: Similar to Lisk
  17. Stratis: Different to LISK, Stratis will allow businesses and organizations to create their own blockchain according to their own needs, but secured on the parent Stratis chain. Stratis’s simple interface will allow organizations to quickly and easily deploy and/or test blockchain functionality of the Ethereum, BitShares, BitCoin, Lisk and Stratis environements.
  18. Status: Status provides access to all of Ethereum’s decentralized applications (dapps) through an app on your smartphone. It opens the door to mass adoption of Ethereum dapps by targeting the fastest growing computer segment in the world – smartphone users.16. Ark: Fork of Lisk that focuses on a smaller feature set. Ark wallets can only vote for one delegate at a time which forces delegates to compete against each other and makes cartel formations incredibly hard, if not impossible.
  19. Neblio: Similar to Neo, but 30x smaller market cap.
  20. NEM: Is similar to Neo No marketing team, very high market cap for little clarilty what they do.
  21. Bancor: Bancor is a Decentralized Liquidity Network that allows you to hold any Ethereum token and convert it to any other token in the network, with no counter party, at an automatically calculated price, using a simple web wallet.
  22. Dragonchain: The Purpose of DragonChain is to help companies quickly and easily incorporate blockchain into their business applications. Many companies might be interested in making this transition because of the benefits associated with serving clients over a blockchain – increased efficiency and security for transactions, a reduction of costs from eliminating potential fraud and scams, etc.
  23. Skycoin: Transactions with zero fees that take apparently two seconds, unlimited transaction rate, no need for miners and block rewards, low power usage, all of the usual cryptocurrency technical vulnerabilities fixed, a consensus mechanism superior to anything that exists, resistant to all conceivable threats (government censorship, community infighting, cybenucleaconventional warfare, etc). Skycoin has their own consensus algorithm known as Obelisk written and published academically by an early developer of Ethereum. Obelisk is a non-energy intensive consensus algorithm based on a concept called ‘web of trust dynamics’ which is completely different to PoW, PoS, and their derivatives. Skywire, the flagship application of Skycoin, has the ambitious goal of decentralizing the internet at the hardware level and is about to begin the testnet in April. However, this is just one of the many facets of the Skycoin ecosystem. Skywire will not only provide decentralized bandwidth but also storage and computation, completing the holy trinity of commodities essential for the new internet. Skycion a smear campaign launched against it, though they seem legit and reliable. Thus, they are probably undervalued.

Market 3 - Ecosystem

The 3rd market with 11 coins is comprised of ecosystem coins, which aim to strengthen the ease of use within the crypto space through decentralized exchanges, open standards for apps and more
  1. Nebulas: Similar to how Google indexes webpages Nebulas will index blockchain projects, smart contracts & data using the Nebulas rank algorithm that sifts & sorts the data. Developers rewarded NAS to develop & deploy on NAS chain. Nebulas calls this developer incentive protocol – basically rewards are issued based on how often dapp/contract etc. is used, the more the better the rewards and Proof of devotion. Works like DPoS except the best, most economically incentivised developers (Bookkeeppers) get the forging spots. Ensuring brains stay with the project (Cross between PoI & PoS). 2,400 TPS+, DAG used to solve the inter-transaction dependencies in the PEE (Parallel Execution Environment) feature, first crypto Wallet that supports the Lightening Network.
  2. Waves: Decentralized exchange and crowdfunding platform. Let’s companies and projects to issue and manage their own digital coin tokens to raise money.
  3. Salt: Leveraging blockchain assets to secure cash loands. Plans to offer cash loans in traditional currencies, backed by your cryptocurrency assets. Allows lenders worldwide to skip credit checks for easier access to affordable loans.
  4. CHAINLINK: ChainLink is a decentralized oracle service, the first of its kind. Oracles are defined as an ‘agent’ that finds and verifies real-world occurrences and submits this information to a blockchain to be used in smart contracts.With ChainLink, smart contract users can use the network’s oracles to retrieve data from off-chain application program interfaces (APIs), data pools, and other resources and integrate them into the blockchain and smart contracts. Basically, ChainLink takes information that is external to blockchain applications and puts it on-chain. The difference to Aeternity is that Chainlink deploys the smart contracts on the Ethereum blockchain while Aeternity has its own chain.
  5. WTC: Combines blockchain with IoT to create a management system for supply chains Interesting
  6. Ethos unifyies all cryptos. Ethos is building a multi-cryptocurrency phone wallet. The team is also building an investment diversification tool and a social network
  7. Aion: Aion is the token that pays for services on the Aeternity platform.
  8. USDT: is no cryptocurrency really, but a replacement for dollar for trading After months of asking for proof of dollar backing, still no response from Tether.

Market 4 - Privacy

The 4th market are privacy coins. As you might know, Bitcoin is not anonymous. If the IRS or any other party asks an exchange who is the identity behind a specific Bitcoin address, they know who you are and can track back almost all of the Bitcoin transactions you have ever made and all your account balances. Privacy coins aim to prevent exactly that through address fungability, which changes addresses constantly, IP obfuscation and more. There are 2 types of privacy coins, one with completely privacy and one with optional privacy. Optional Privacy coins like Dash and Nav have the advantage of more user friendliness over completely privacy coins such as Monero and Enigma.
  1. Monero: Currently most popular privacy coin, though with a very high market cap. Since their privacy is all on chain, all prior transactions would be deanonymized if their protocol is ever cracked. This requires a quantum computing attack though. PIVX is better in that regard.
  2. Zcash: A decentralized and open-source cryptocurrency that hide the sender, recipient, and value of transactions. Offers users the option to make transactions public later for auditing. Decent privacy coin, though no default privacy
  3. Verge: Calls itself privacy coin without providing private transactions, multiple problems over the last weeks has a toxic community, and way too much hype for what they have.
  4. Bytecoin: First privacy-focused cryptocurrency with anonymous transactions. Bytecoin’s code was later adapted to create Monero, the more well-known anonymous cryptocurrency. Has several scam accusations, 80% pre-mine, bad devs, bad tech
  5. Bitcoin Private: A merge fork of Bitcoin and Zclassic with Zclassic being a fork of Zcash with the difference of a lack of a founders fee required to mine a valid block. This promotes a fair distribution, preventing centralized coin ownership and control. Bitcoin private offers the optional ability to keep the sender, receiver, and amount private in a given transaction. However, this is already offered by several good privacy coins (Monero, PIVX) and Bitcoin private doesn't offer much more beyond this.
  6. Komodo: The Komodo blockchain platform uses Komodo’s open-source cryptocurrency for doing transparent, anonymous, private, and fungible transactions. They are then made ultra-secure using Bitcoin’s blockchain via a Delayed Proof of Work (dPoW) protocol and decentralized crowdfunding (ICO) platform to remove middlemen from project funding. Offers services for startups to create and manage their own Blockchains.
  7. PIVX: As a fork of Dash, PIVX uses an advanced implementation of the Zerocoin protocol to provide it’s privacy. This is a form of zeroknowledge proofs, which allow users to spend ‘Zerocoins’ that have no link back to them. Unlike Zcash u have denominations in PIVX, so they can’t track users by their payment amount being equal to the amount of ‘minted’ coins, because everyone uses the same denominations. PIVX is also implementing Bulletproofs, just like Monero, and this will take care of arguably the biggest weakness of zeroknowledge protocols: the trusted setup.
  8. Zcoin: PoW cryptocurrency. Private financial transactions, enabled by the Zerocoin Protocol. Zcoin is the first full implementation of the Zerocoin Protocol, which allows users to have complete privacy via Zero-Knowledge cryptographic proofs.
  9. Enigma: Monero is to Bitcoin what enigma is to Ethereum. Enigma is for making the data used in smart contracts private. More of a platform for dapps than a currency like Monero. Very promising.
  10. Navcoin: Like bitcoin but with added privacy and pos and 1,170 tps, but only because of very short 30 second block times. Though, privacy is optional, but aims to be more user friendly than Monero. However, doesn't really decide if it wants to be a privacy coin or not. Same as Zcash.Strong technology, non-shady team.
  11. Tenx: Raised 80 million, offers cryptocurrency-linked credit cards that let you spend virtual money in real life. Developing a series of payment platforms to make spending cryptocurrency easier. However, the question is if full privacy coins will be hindered in growth through government regulations and optional privacy coins will become more successful through ease of use and no regulatory hindrance.

Market 5 - Currency Exchange Tool

Due to the sheer number of different cryptocurrencies, exchanging one currency for the other it still cumbersome. Further, merchants don’t want to deal with overcluttered options of accepting cryptocurrencies. This is where exchange tool like Req come in, which allow easy and simple exchange of currencies.
  1. Cryptonex: Fiat and currency exchange between various blockchain services, similar to REQ.
  2. QASH: Qash is used to fuel its liquid platform which will be an exchange that will distribute their liquidity pool. Its product, the Worldbook is a multi-exchange order book that matches crypto to crypto, and crypto to fiat and the reverse across all currencies. E.g., someone is selling Bitcoin is USD on exchange1 not owned by Quoine and someone is buying Bitcoin in EURO on exchange 2 not owned by Quoine. If the forex conversions and crypto conversions match then the trade will go through and the Worldbook will match it, it'll make the sale and the purchase on either exchange and each user will get what they wanted, which means exchanges with lower liquidity if they join the Worldbook will be able to fill orders and take trade fees they otherwise would miss out on.They turned it on to test it a few months ago for an hour or so and their exchange was the top exchange in the world by 4x volume for the day because all Worldbook trades ran through it. Binance wants BNB to be used on their one exchange. Qash wants their QASH token embedded in all of their partners. More info here https://www.reddit.com/CryptoCurrency/comments/8a8lnwhich_are_your_top_5_favourite_coins_out_of_the/dwyjcbb/?context=3
  3. Kyber: network Exchange between cryptocurrencies, similar to REQ. Features automatic coin conversions for payments. Also offers payment tools for developers and a cryptocurrency wallet.
  4. Achain: Building a boundless blockchain world like Req .
  5. Req: Exchange between cryptocurrencies.
  6. Bitshares: Exchange between cryptocurrencies. Noteworthy are the 1.5 second average block times and throughput potential of 100,000 transactions per second with currently 2,400 TPS having been proven. However, bitshares had several Scam accusations in the past.
  7. Loopring: A protocol that will enable higher liquidity between exchanges and personal wallets.
  8. ZRX: Open standard for dapps. Open, permissionless protocol allowing for ERC20 tokens to be traded on the Ethereum blockchain. In 0x protocol, orders are transported off-chain, massively reducing gas costs and eliminating blockchain bloat. Relayers help broadcast orders and collect a fee each time they facilitate a trade. Anyone can build a relayer.

Market 6 - Gaming

With an industry size of $108B worldwide, Gaming is one of the largest markets in the world. For sure, cryptocurrencies will want to have a share of that pie.
  1. Storm: Mobile game currency on a platform with 9 million players.
  2. Fun: A platform for casino operators to host trustless, provably-fair gambling through the use of smart contracts, as well as creating their own implementation of state channels for scalability.
  3. Electroneum: Mobile game currency They have lots of technical problems, such as several 51% attacks
  4. Wax: Marketplace to trade in-game items

Market 7 - Misc

There are various markets being tapped right now. They are all summed up under misc.
  1. OMG: Omise is designed to enable financial services for people without bank accounts. It works worldwide and with both traditional money and cryptocurrencies.
  2. Power ledger: Australian blockchain-based cryptocurrency and energy trading platform that allows for decentralized selling and buying of renewable energy. Unique market and rather untapped market in the crypto space.
  3. Populous: A platform that connects business owners and invoice buyers without middlemen. Invoice sellers get cash flow to fund their business and invoice buyers earn interest. Similar to OMG, small market.
  4. Monacoin: The first Japanese cryptocurrency. Focused on micro-transactions and based on a popular internet meme of a type-written cat. This makes it similar to Dogecoin. Very niche, tiny market.
  5. Revain: Legitimizing reviews via the blockchain. Interesting concept, though market not as big.
  6. Augur: Platform to forecast and make wagers on the outcome of real-world events (AKA decentralized predictions). Uses predictions for a “wisdom of the crowd” search engine. Not launched yet.
  7. Substratum: Revolutionzing hosting industry via per request billing as a decentralized internet hosting system. Uses a global network of private computers to create the free and open internet of the future. Participants earn cryptocurrency. Interesting concept.
  8. Veritaseum: Is supposed to be a peer to peer gateway, though it looks like very much like a scam.
  9. TRON: Tronix is looking to capitalize on ownership of internet data to content creators. However, they plagiarized their white paper, which is a no go. They apologized, so it needs to be seen how they will conduct themselves in the future. Extremely high market cap for not having a product, nor proof of concept.
  10. Syscoin: A cryptocurrency with a decentralized marketplace that lets people buy and sell products directly without third parties. Trying to remove middlemen like eBay and Amazon.
  11. Hshare: Most likely scam because of no code changes, most likely pump and dump scheme, dead community.
  12. BAT: An Ethereum-based token that can be exchanged between content creators, users, and advertisers. Decentralized ad-network that pays based on engagement and attention.
  13. Dent: Decentralizeed exchange of mobile data, enabling mobile data to be marketed, purchased or distributed, so that users can quickly buy or sell data from any user to another one.
  14. Ncash: End to end encrypted Identification system for retailers to better serve their customers .
  15. Factom Secure record-keeping system that allows companies to store their data directly on the Blockchain. The goal is to make records more transparent and trustworthy .

Market 8 - Social network

Web 2.0 is still going strong and Web 3.0 is not going to ignore it. There are several gaming tokens already out there and a few with decent traction already, such as Steem, which is Reddit with voting through money is a very interesting one.
  1. Mithril: As users create content via social media, they will be rewarded for their contribution, the better the contribution, the more they will earn
  2. Steem: Like Reddit, but voting with money. Already launched product and Alexa rank 1,000 Thumbs up.
  3. Rdd: Reddcoin makes the process of sending and receiving money fun and rewarding for everyone. Reddcoin is dedicated to one thing – tipping on social networks as a way to bring cryptocurrency awareness and experience to the general public.
  4. Kin: Token for the platform Kik. Kik has a massive user base of 400 million people. Replacing paying with FIAT with paying with KIN might get this token to mass adoption very quickly.

Market 9 - Fee token

Popular exchanges realized that they can make a few billion dollars more by launching their own token. Owning these tokens gives you a reduction of trading fees. Very handy and BNB (Binance Coin) has been one of the most resilient tokens, which have withstood most market drops over the last weeks and was among the very few coins that could show growth.
  1. BNB: Fee token for Binance
  2. Gas: Not a Fee token for an exchange, but it is a dividend paid out on Neo and a currency that can be used to purchase services for dapps.
  3. Kucoin: Fee token for Kucoin

Market 10 - Decentralized Data Storage

Currently, data storage happens with large companies or data centers that are prone to failure or losing data. Decentralized data storage makes loss of data almost impossible by distributing your files to numerous clients that hold tiny pieces of your data. Remember Torrents? Torrents use a peer-to-peer network. It is similar to that. Many users maintain copies of the same file, when someone wants a copy of that file, they send a request to the peer-to-peer network., users who have the file, known as seeds, send fragments of the file to the requester., he requester receives many fragments from many different seeds, and the torrent software recompiles these fragments to form the original file.
  1. Gbyte: Byteball data is stored and ordered using directed acyclic graph (DAG) rather than blockchain. This allows all users to secure each other's data by referencing earlier data units created by other users, and also removes scalability limits common for blockchains, such as blocksize issue.
  2. Siacoin: Siacoin is decentralized storage platform. Distributes encrypted files to thousands of private users who get paid for renting out their disk space. Anybody with siacoins can rent storage from hosts on Sia. This is accomplish via "smart" storage contracts stored on the Sia blockchain. The smart contract provides a payment to the host only after the host has kept the file for a given amount of time. If the host loses the file, the host does not get paid.
  3. Maidsafecoin: MaidSafe stands for Massive Array of Internet Disks, Secure Access for Everyone.Instead of working with data centers and servers that are common today and are vulnerable to data theft and monitoring, SAFE’s network uses advanced P2P technology to bring together the spare computing capacity of all SAFE users and create a global network. You can think of SAFE as a crowd-sourced internet. All data and applications reside in this network. It’s an autonomous network that automatically sets prices and distributes data and rents out hard drive disk space with a Blockchain-based storage solutions.When you upload a file to the network, such as a photo, it will be broken into pieces, hashed, and encrypted. The data is then randomly distributed across the network. Redundant copies of the data are created as well so that if someone storing your file turns off their computer, you will still have access to your data. And don’t worry, even with pieces of your data on other people’s computers, they won’t be able to read them. You can earn MadeSafeCoins by participating in storing data pieces from the network on your computer and thus earning a Proof of Resource.
  4. Storj: Storj aims to become a cloud storage platform that can’t be censored or monitored, or have downtime. Your files are encrypted, shredded into little pieces called 'shards', and stored in a decentralized network of computers around the globe. No one but you has a complete copy of your file, not even in an encrypted form.

Market 11 - Cloud computing

Obviously, renting computing power, one of the biggest emerging markets as of recent years, e.g. AWS and Digital Ocean, is also a service, which can be bought and managed via the blockchain.
  1. Golem: Allows easy use of Supercomputer in exchange for tokens. People worldwide can rent out their computers to the network and get paid for that service with Golem tokens.
  2. Elf: Allows easy use of Cloud computing in exchange for tokens.

Market 12 - Stablecoin

Last but not least, there are 2 stablecoins that have established themselves within the market. A stable coin is a coin that wants to be independent of the volatility of the crypto markets. This has worked out pretty well for Maker and DGD, accomplished through a carefully diversified currency fund and backing each token by 1g or real gold respectively. DO NOT CONFUSE DGD AND MAKER with their STABLE COINS DGX and DAI. DGD and MAKER are volatile, because they are the companies of DGX and DAI. DGX and DAI are the stable coins.
  1. DGD: Platform of the Stablecoin DGX. Every DGX coin is backed by 1g of gold and make use proof of asset consensus.
  2. Maker: Platform of the Stablecoin DAI that doesn't vary much in price through widespread and smart diversification of assets.
EDIT: Added a risk factor from 0 to 10. The baseline is 2 for any crypto. Significant scandals, mishaps, shady practices, questionable technology, increase the risk factor. Not having a product yet automatically means a risk factor of 6. Strong adoption and thus strong scrutiny or positive community lower the risk factor.
EDIT2: Added a subjective potential factor from 0 to 10, where its overall potential and a small or big market cap is factored in. Bitcoin with lots of potential only gets a 9, because of its massive market cap, because if Bitcoin goes 10x, smaller coins go 100x, PIVX gets a 10 for being as good as Monero while carrying a 10x smaller market cap, which would make PIVX go 100x if Monero goes 10x.
submitted by galan77 to CryptoCurrency [link] [comments]

Annual fee waiver for Credit Card

Hi!!
I hope I'm posting in the right section.
i have 3 credit cards
American Express Cobalt(Primary card) BMO Cashback World Elite (Secondary card for places that don't take American Express) Scotiabank Passport Infinite Visa(I travel to US and Asia a lot so this card has been very helpful)
As you can see all 3 cards have hefty annual fees but all of them have been very useful for me like. BMO's roadside assistance has been a life saver for me on many occasions and I also shop a lot at Costco which only takes mastercard.
Cobalt has been my primary spending card and I've been racking up points on them very quickly as I dine out very often. I have already redeem 2 flight tickets to US.
Since I'm travelling a lot for work, my friend recommended the visa one and I found it extremely helpful with the 6 lounge passes and the no forex fee. I noticed from my statement this card actually gives me 2 points everytime I use it to eat out and taking a bus or taxi. I'm not sure if any other card provides this benefit
I have been with bmo since my student days. I do use their premium banking plan and therefore don't pay the annual fees if i maintain $6k balance. They even offered me a safety deposit box for free and am also planning on getting my mortgage with them in the future, since I have a very good relationship with them.
Yesterday I spoke to a rep about my concern and he suggested to degrade my banking plan to a lower one. The annual fees is only charged in May so two weeks before the May statement, I can upgrade it again to a premium plan and once the bill has been generated I can downgrade again. Many of his clients have successfully done this a few times and no questions have been asked. He suggested to try this with Scotiabank as well
I want to know if anyone else in same situation have done something like this? Do banks generally agree to this trick? I never knew this kind of trick even existed until yesterday.
submitted by imcynophilist to PersonalFinanceCanada [link] [comments]

Anyone here used/using the DNATA World Credit Card

They give 2500 dnata points(equivalent to AED at DNATA outlets) at signup with a chance to earn 2500 more if you spend 25k AED in the first 3 months. The yearly fees is 999 aed.
Looks really good? But my first hunch with these things is that if it is too good to be true, it usually isn't. Any reviews from the kind folks here at /dubai?
submitted by ramadheersingh to dubai [link] [comments]

https://www.m1finance.com/articles-2/best-financial-websites/

What are the best financial websites?
The best financial sites offer a wealth of resources to people ranging from beginning investors to seasoned professionals. Some of these websites come from recognized leading financial media sources while others offer personal and investment financial advice from bloggers who have been successful. We have compiled a list of the best financial sites and finance blogs that you should include in your list of reading.
Why should I read the top financial websites?
In the past, people had to rely on financial advisors to gain information and education about finance. That notion has changed with the availability of the internet. There is a variety of top financial websites with more coming online each day. Since not everyone has a background in finance, reading some of the best websites is a great way for you to become more educated and confident about finance.
When did financial advice websites begin?
Financial websites started in the late 1990s with many more coming online in the 2000s. Some, such as Bankrate, started out in print decades ago before transforming into one of the best financial websites. Financial planning websites can help you to learn how to manage your money and to build wealth in a more effective way.
Learn about the best financial websites and financial blogs from M1 Finance Users of the best financial websites today
According to data from Statista, the top three leading finance websites by visitors include Yahoo! Finance with 70 million visitors per month, MSN Money Central with 65 million monthly visitors, and CNN Money with 50 million monthly visitors. The need for financial education and literacy is clear. According to the Financial Educators Council, the average test result for financial literacy across all age groups was a low 63%.
According to the Next Web, more than one million new users of the internet are coming online every day. There are reportedly over 4.3 billion internet users who are now online around the world. The global reach of the internet makes it an ideal vehicle for helping people around the world to become financially literate.
What are some of the best general financial websites?
These best financial websites are leaders in the provision of general financial information. Investors of all levels can benefit by making it a habit to read these top financial websites on a regular basis.
Yahoo!Finance
Yahoo! Finance aggregates finance news from around the internet. It also allows you to purchase company reports. You can find charts, price quotes, information about competitor companies, earnings reports and key ratios for free.
CNBC Markets
CNBC Markets provides up-to-date news about the global markets. In the news section, you can find listings of developments in the U.S. stock markets as well as for developments across Europe and Asia.
Forbes Money
Forbes Money is a leader in the finance and business world. Readers who are invested in topics such as investing, business and leadership can all find something that appeals to them in Forbes. In addition to finance topics, Forbes also covers related financial areas.
Investing.com
Investing.com is one of the best financial sites for people who are interested in active trading. On the home page, you can view forex prices, ETFs, commodities prices and futures contracts. The news section offers in-depth articles. Investors check this site daily to see current quotes for a variety of different investments.
Bloomberg
Bloomberg is one of the best financial websites for market data. On its news section, you can choose from different categories by region, general financial information, industry and asset class. You can see the historical information for a queried stock, which is helpful in identifying how different types of news reports impact the performance of the stock.
Reuters
Reuters is another website for obtaining market data. It offers broad coverage of stock news, sector news and market news. You can also find historical information, as well as an auto-complete stock name feature that is helpful search tool.
GoogleFinance
GoogleFinance is one of the best financial sites because of its search functionality. You can find an abundance of information about price quotes, news, competitor companies, earnings reports and key ratios. Keep in mind that some news items are not in real-time.
Read about the best financial websites and financial blogs from M1 Finance The Wall Street Journal
The Wall Street Journal has been released in print format since 1989. Online, it is reviewed as one of the top financial websites around the world. Readers from across the globe subscribe to the Wall Street Journal for its business news. The WSJ also offers its readers email alerts about news and stock information.
Investopedia
Investopedia is one of the best financial websites because of its emphasis on financial education. You are able to start a watchlist to track your stocks and can take courses on investing through its Investopedia Academy. The many articles offered by Investopedia is a rich resource for people who want to learn more about the stock market and financial principles.
Financial Times
The Financial Times is another leading publication that is read around the world. It offers comprehensive international coverage of financial news. However, you are only able to read the headlines for free. With a paid subscription, you can read the detailed news reports and gain access to diversified content.
NerdWallet
NerdWallet is one of the best financial websites for comparisons. The site allows you to compare investment accounts, high-yield savings accounts, CDs, debit cards, mortgages and credit cards. The site releases a best list for every category annually.
The Economist
The Economist is another go-to source for the latest in international news. It is authoritative and offers in-depth coverage of politics, finance, business, technology and science.
BankRate
BankRate was launched in 1976 as a newsletter and is highly respected. It has become one of the best financial websites available on the internet. You can find a wealth of data on mortgages, bank rates and credit cards. It also offers online financial advice about financial planning, investing and saving for retirement.
Barron’s
Barron’s is a weekly newspaper that has been published since 1921. On its website, it provides news about market developments in the U.S., financial information and related statistics. The website contains interest sections with in-depth coverage contained within each. Latest financial news can be found on its home page, while interest sections include technology, retirement, options and funds.
SEC
The SEC offers primary source material such as the quarterly and annual financial reports that have been filed with the SEC. These include publicly-traded companies’ filings. All of this data can be accessed through EDGAR on the SEC’s website by searching for a stock ticker symbol or the name of a company.
Kiplinger
Kiplinger ranks as one of the top financial advice websites. It is a sound resource for financial advice with coverage on how to save money and avoid fees. Kiplinger has a section that covers the basics of personal finance and has quizzes on a variety of finance topics.
Motley Fool
The Motley Fool offers investors in-depth analysis on general financial information. It also has stock market analyses and insights. While the name might be odd, the financial services company encourages its readers to become financially independent through information and research. Access to advice from experts is offered for an additional charge.
Money Morning
Money Morning boasts a free daily newsletter on information that can help you to become financially independent. The site’s layout is divided into major categories as well as hot topics sections. You can find advice on different stocks with in-depth analyses.
What are some of the best financial websites for stocks and trading?
If you are wanting to focus on the best financial websites for stocks, you can cut down your search time by including in your reading these best financial sites that we have listed for you. Each of these sites allows you to get the information that you need about different stocks and companies so that you can make informed investment decisions.
Investigate the best financial websites and financial blogs from M1 Finance CNN Markets
CNN is among the top news networks in the world. It has a markets section that simplifies browsing of economic news. The markets section contains current financial news, commodities changes, trending stocks and much more. Each of these topics has its own dedicated page for more in-depth information. If you want a fast update about the market news, CNN is a great source.
MarketWatch
MarketWatch has a news viewer section that gives you access to stories that have timestamps. News items are automatically updated, and its coverage includes global stock markets, forex, commodities and other classes of assets. It also offers data about macroeconomics and fundamental analysis information.
Seeking Alpha
Seeking Alpha aggregates data from other financial sites. You can find trending finance articles from across the internet together with the top-performing stocks and recent news. Seeking Alpha articles range from types of investment to investment strategies.
NASDAQ
NASDAQ offers the latest analysis and stock market news. You can find information on companies and their competitors, the latest news and see how the markets are performing. The site also provides quote updates and financial tools to aid in your investing endeavors.
Morningstar
Morningstar allows you to view annual returns of ETFs and mutual funds for the past 10 years. Quarterly and monthly returns for the past five years are also available on this site. You can review the after-tax returns of different funds so that you can gain a better idea of investor earnings.
The Street
The Street is one of the best financial sites for news about investing. When you read The Street, you can find opinions, recommendations, current events and how to get started in the market. There are also paid services that are available to investors, including market analyses and advanced strategies.
Zacks Investment Research
Zacks Investment Research requires you to sign up for a free membership to gain access to its data on funds and stocks. You are able to use this site to conduct comprehensive research. Zacks gives you access to independent reports that can help you when you are trying to build a well-diversified portfolio.
Review the best financial websites and financial blogs from M1 Finance NYSE
If you are invested in the stock market, the NYSE should be included on your list of best financial sites to read. The NYSE access includes listings information, markets, historical and real-time market data. All investors should make a habit of checking the NYSE’s site on a regular basis to stay informed.
What are some of the best financial blog sites?
Our list of best financial websites contains multiple finance blogs. These blogs offer online financial advice and financial planning tools while also providing answers to common investing questions. A list of the best financial sites would not be complete without including these top financial websites.
The Balance
The Balance offers articles that are divided into categories such as retirement, investing, debt management and banking. The articles give advice about many areas of finance and aim to increase your financial literacy.
Wise Bread
Wise Bread is a community of personal finance bloggers and finance experts. The goal is to help people to live well financially and to derive more enjoyment out of life. It includes multiple sections, including personal finance, frugal living, life hacks, credit cards and career advice.
Financial Post
The Financial Post offers a mix of financial news and analysis together with personal finance advice. The site targets a range of people from young investors to high net worth investors.
Money Crashers
Money Crashers is a comprehensive site that covers nearly all things related to finance. You can find information about debt, credit, investments, living frugally, small business and family. The goal is to educate those who are looking to make sound financial decisions.
The Simple Dollar
The Simple Dollar, written by the author of “365 Ways to Live Cheap!”, provides numerous tips for frugal living. It is one of the best financial planning websites for people who are wanting to gain control of their finances. Reading this blog can give you answers to your financial questions about how to reduce your expenses so that you can live within your means.
Good Financial Cents
Good Financial Cents is one of the best financial sites for people who want to learn about personal finance. It is written by Jeff Rose, who also has a YouTube Channel featuring many of his blog topics. The focus of this certified financial advisor’s blog is to educate people on how to become financially independent.
Financial Samurai
The Financial Samurai was established in 2009 by Sam Dogen. He was able to leave his job in corporate America after 13 years by saving at least 50% of his after-tax income from the time that he began his professional job. He invested his savings in real estate, bonds, stocks and CDs in order to have enough passive income to be able to quit his job and focus on his blog. He offers information about wealth management, financial products, real estate and more.
Dave Ramsey
Dave Ramsey is a well-known expert in the finance field who offers financial planning tools and personal finance education. His blog is recognized as one of the top financial planning websites and is used by millions of people to learn how to build wealth, reduce debt and increase their savings.
Mint Life
Mint Life is among the best financial sites for people who are looking for a broad personal finance resource. The blog contains a large list of money management categories with a range of articles available in each. The categories include everything from student finances, housing finances, food budgets, to much more.
Mr. Money Mustache
Mr. Money Mustache is a credible finance site with a quirky name. The author, who was able to retire at age 30, started his blog in 2005 when he was 36 years old. The blog’s mission is to allow you to learn how to live below your means and to build your savings quickly so that you can retire early, too.
Incorporating some of the best financial websites into your daily life can help you to learn more about how you can attain financial freedom by budgeting, living frugally and making saving a habit. You can take the information that you learn from these sites and apply it when you invest with M1 Finance.
Learn how M1 can empower you to manage your money and earn more
You can use your acquired knowledge from top financial websites to manage your own portfolio with M1. Instead of paying someone else to build a portfolio, you are able to build one yourself with M1. You have the control to customize your portfolio in order to meet your needs or you the option to choose from 80 prebuilt expert portfolios that were created to meet different goals, timeframes and risk levels. The sleek and intuitive design of the M1 Finance platform makes managing and building your portfolio simple.
M1 Finance is an online brokerage firm that blends key financial principles with digital technology to provide investors with a straightforward and seamless investing experience. M1 Finance helps you to manage your money in a more effective way so that you can earn more. The platform uses automated reinvestments and dynamic portfolio rebalancing to save you time. These features help to keep your portfolio in line to meet your financial goals.
When you choose M1 Finance, you are able to invest for free. M1 does not charge management fees or commissions, and you will be able to access the powerful automation from anywhere with its mobile investing capabilities. Get started today by signing up online or call us to learn more about investing at 312-600-2883. DISCLAIMER: Please consult your finance and tax professionals to learn more about investing and taxes.
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submitted by luis3445 to M1Finance [link] [comments]

Travelers, what are the best travel credit cards you have used? What about airline rewards?

I am going for a 30 days Eurotrip in May and want to build up some points in order to help pay for the flight. What are the best sign up bonuses, cash back and traveler's perks around? Also, I am not opposed to airline memberships to help the flight costs.
[Edit: I am based In Jacksonville, FL and usually fly out of Atlanta, Orlando or Miami.]
submitted by stevenmeyerjr to travel [link] [comments]

Monster trip report: 2 weeks in Japan with 2 kids in July (overview)

Overview and general information:
We are a family of 4 (kids 10 and 12) who were in Japan from July 9 to July 21.
I typed this up on the plane on my way home to keep the details fresh, and it got a bit out of hand. :-)

The weather: we got lucky. Only one day of heavy rain, though it was often overcast and humid, with drizzle/light rain at times. It was never really all that hot in Tokyo. We had one brutal humid and 35 C day in Kyoto, but the rest of the time, the daily highs were around 24-27 C, which isn’t too unpleasant.

Money: We did not change money—instead we used ATMs to withdraw yen. We have an account that does not charge extra for this. We mostly used ATMs in combinis. The fees were consistent (and we were pre-warned there would be fees at the machine before completing the transaction): 108 yen for 10,000 yen, 216 yen for anything more. When possible, we used a credit card (we have both US and Canadian cards with no ForEx fees), but many restaurants and attractions only take cash, and cash is needed to refill IC cards.

Transportation: We used mostly Google Maps in cities, and HyperDia for trains between cities. We got Pasmo card upon arrival, and used them extensively. We had 7-day Japan Rail passes, which I activated in Ueno station with no wait. I brought a list of desired train reservations, and had them all done at the same time. We were unable to get reservations for desired travel times for Tokyo to Kanazawa, so we took an unreserved car. We got there about 30 min before the scheduled departure, and got 4 seats together without difficulty.

Google Maps is super useful. It tells you the exit you should take when leaving each station, which is very helpful. Many train stations have a large number of exits, and taking the wrong one can lead to lots of extra walking. We also found it useful to plot both walking and public transit routes to get from place to place. The estimated costs were very accurate, and it was quite helpful to find comparable routes that use a single company’s line when possible, saving quite a bit for 4 people over many days.

We walked A LOT (which is not atypical for our family). Other than that, we took trains of various sorts. We didn’t try buses, so I can’t comment there. The trains look complicated if you look at the whole system, but are actually pretty straightforward once you start using them.

Internet: The free wifi in Japan is very painful to use. Slow, and requires lots of registration and re-registration. We relied on a SIM from Singapore that works well in Japan and enabled us to share out data when needed. 2 Gb was enough for a 2 week trip with lots of searching. We had a Pocket Wifi from one of our accommodations, and found it a little annoying to have to track and charge another device, but YMMV. We only stayed places that provided Wifi, so we only used the SIM when out and about.

Accommodations: As a family of four, we mostly stayed in family rooms at hostels to keep costs down. All of our accommodations were great except for one (Guesthouse Kintoto in Kanazawa) because the room was sooooo tiny, it was impractical. And when I say tiny, I mean the size of two bunkbeds set less than 30 cm (6 inches) apart tiny. All of our hostels were very clean with good wifi, and all had desk staff for 12-14 hours in case we needed help with anything. There were laundry machines at all of our hostels, helping us pack light for the trip.

Food: We ate breakfast from combinis almost every day, and really enjoyed the food in Japan. Our children are big eaters and adventurous eaters, so trying new foods with them is a pleasure. One of my kids was not really into ramen, but loved udon and soba, so we looked for noodle shops instead of ramen shops as our go to places to eat, especially when the kids were getting hangry. We also went to supermarkets and had picnic lunches. What the kids missed most actually was fresh fruit, which is really expensive in Japan. The kids really enjoyed using the vending machines, and going into stores to find new Japanese foods to try (especially snacks). The family favorite vending machine beverage was Melon Skal.

Miscellaneous: For souvenirs, we tried to get things the kids would actually use (like Frixion pens and bento lunch boxes), though we let them use allowance to buy what they wanted. I also bought them each one pack of Pokemon cards. For ourselves, we bought a bunch of different kinds of teas and that awesome sesame salad dressing. And cool Uniqlo Gundam T-shirts. ☺

The cut-off age for kids is often elementary school vs older, which is interpreted as 11 or 12 (depending on where you are). For trains, it is 11. My 12 year old daughter is very tall for Canada, making her extremely tall for Japan. We had to show her passport at times to demonstrate her age.

Part 1: Tokyo
Part 2: Kanazawa and Takayama
Part 3: Kyoto
Part 4: Tokyo again
submitted by qshark00 to JapanTravel [link] [comments]

12-17 06:43 - 'Stellar : The Future of Money' (self.Bitcoin) by /u/cheickamadout removed from /r/Bitcoin within 7-17min

'''
If you may be following Blockchain evolution for a while you may be familiar with the Stellar Mission to empower people worldwide with financial inclusion. Stellar is blockchain built from the ground up for payment and national currencies. In the same mission of financial inclusion for the large unbanked population of West Africa, Xaliss provides a decentralized and innovative payment system to more than 350 million potential users across West Africa. Xaliss is a Decentralized Application ( DAPP ) built on top of the Stellar Blockchain and provide free payment for Franc CFA, XLM, Bitcoin. Xaliss will enable a soft adoption of cryptocurrency and distributed ledger. Franc Cfa ( XOF ) is the common currency of West Africa, It uses by more than 350 million people across 8 countries ( Senegal, Ivory Coast, Niger, Mali, Burkina Faso, Benin, Togo, and Guinea Bissau ). In this big region of the world, less than 5% of the population has access to banking services. Phone Operator provides basic local money transfer services with very high fees. Xaliss will provide an alternative solution to the problem faced by the banking industry in the region. Most of the available credit cards end up having a very high exchange for online payment, and it discourages e-payment in the region. Xaliss will provide prepaid visa cards to the user at the best rate. The wallet will permit the user to have easy access to Bitcoin and all major cryptocurrency at their fingertips. With Stellar large range of Foreign currency, the user will have access to Forex Market as well.

A Basic payment needs in Africa like bills payment and TV subscription a take up to 10% payment fees. Xaliss will provide a free solution for bills payment and different subscription payments. By enabling this necessary service in more than 8 countries, Xaliss will provide the first Global scope usage of digital cash. By using a distributed ledger, Xaliss will provide an accurate and reliable accounting solution to Government agency and service provider. All Bills paid trough Xaliss will be recorded automatically in the ledger and the user will not have any third-party fees.

Xaliss will provide a channel for businesses to promote coupons and promotions. This will open the opportunity to save money by using the app and get access to multiple services in the application. By using the stellar payment and memo option, the user can order everything from the app.
[link]1
'''
Stellar : The Future of Money
Go1dfish undelete link
unreddit undelete link
Author: cheickamadout
1: prev*ew.redd**t*ppum*l*nv45***png?w**th=*22&****fo*m*t=png&*auto*webp&*s=9b8b1a0***5*de23088f367*4845*6*f*9657a1*
Unknown links are censored to prevent spreading illicit content.
submitted by removalbot to removalbot [link] [comments]

Pre-Departure Checklist for Studying Abroad

Studying Abroad is an amazing opportunity for students to gain exposure to new countries and cultures while also being part of a diverse student body. Students get to explore beautiful landscapes and vibrant bustling cities that are student friendly with special provisions. Universities abroad create and maintain a welcoming atmosphere to help with the transition from home countries to a foreign destination.
Before leaving on this new enthralling journey, there are a few things that a student needs to pay special attention to, these special areas are :
1. Documentation -
This is the most important area that students have to focus on. This area is the most basic but vital area. If documentation is not in order, it may hamper the departure process. Starting with the Passport and Visa. Make sure that the passport is valid. If not, then applying for a renewal has to be done. If this is the first time a student is travelling internationally and doesn't have a passport, then an application for one should be made at the earliest as this process takes a while. Another important document is the air ticket which has to be presented at the airport. Next up, Educational documents. These documents are required at the university. These include, original marksheets, Attested copies of the same. Degree certificates, recommendation letter and the admission and language proficiency test marksheets. Next are the university documents. These include letters from the university confirming admission, any aid information etc. Original transcripts, syllabus copies and the SEVIS fee receipt (only for USA students).
2. Forex and Communications -
The next step on the pre departure checklist is foreign currency or forex. As all payments are made in foreign currency, having the required amount in the bank account is very important. Apart from that, students have to sponsor their own expenditures and expenses. These include travel, food etc. Students need to have cash in hand to make spontaneous payments or in the case of an emergency. Usually, students carry about $500 of the respective currency in hand and the rest in bank accounts or cash cards. Cash cards and debit or credit cards are the safest way to keep money abroad.
International sim cards are the best way to keep in touch with family and friends back home. Students are also advised to check with the phone companies to inquire about the compatibility of their devices with foreign sim cards. Students can also buy a pay as you go card or phone or even a foreign sim card.
3. Flight and travel arrangements -
Choosing the flight for travel is the easiest thing to do on the checklist. However, students should try and find the best deal out there in terms of baggage allowance, layover time and duration of the flights. Few airlines provide more baggage allowance while some don't. Baggage allowance is important because the student is travelling to a foreign destination for a long period and the baggage may include books, stationary, among other things. Another service that students should avail of is the airport pick up service that universities offer. This service makes it easier for students to commute with big bags and heavy luggage.
4. Wardrobe and Electronics -
While packing for the trip to the study destination, students should pack their wardrobe based on the climatic conditions of the destination. Students are advised to carry only the required clothing articles to avoid carrying unnecessary weight. Another item on the checklist is the electronic gadgets that are needed for the study program. Most students carry along a laptop on which they can work on college assignments and projects. Hard drives are also common among students as it helps storing large amounts of data to declutter their laptops. These components are essential to make college life easier and more efficient.
5. Health and Living Arrangements -
Before departure, students should confirm their accommodation arrangements so that they have a residence ready when they arrive at their destination. To be on the safer side, students should have a copy of their housing information like a copy of the rent agreement with them at all times and get acquainted with their neighbourhood to make the transition easier. Students are also recommended to take the required vaccinations before leaving their home country to be safe, health wise.
To make the pre departure process easier and seamless, students should keep to these points on the checklist as it will help them during their departure.
Student Testimonials
Edwise has been really helpful right from helping me select the college to getting to the university of my interest and guiding me for my pre-departure preparations. I recommend it to all students planning to study abroad..”
Name - Shruti Shukla Country – UK University – University of Sheffield
Had a great experience with Edwise throughout my application process, right from the entrance exam to the pre-departure, the staff was supportive and helpful whenever required.”
Name – Sayali Vishnu Kute Country – USA University – Northwestern Polytechnic University
Edwise is very helpful and throughout guidance provided from the beginning till departure.”
Name – Nuzhat Ali Rampurawala Country – Australia University – University of New South Wales
Edwise Overseas Education Consultant
We at Edwise streamline and personalize the process for each student irrespective of the destination, institution, course or any level of study. Our team of experienced professionals will provide you individual attention and exceptional guidance throughout your process of application. We provide assistance related to course selections, admission, visa, bank-loan and scholarships. We also host University delegates for direct student interaction and all these services are provided free of cost. We have established since 1991 and have been maintaining strong networks with over 725 universities in 16 countries, hence giving us a unique insight into the finest educational establishments worldwide.
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submitted by Edwise_International to u/Edwise_International [link] [comments]

How To Choose The Best Forex Card?

If you have easy access to things, it'll give you peace of mind. You won't have to put in manual efforts to complete your tasks.
Everything is done online today, from ticket booking to bill payments, so it's a feasible option to choose an online Forex card. You can buy a Forex card from the site Bookmyforex.com.
The site apart from offering amazing Forex card rates also offers forex exchange. So, if you are wondering 'where is foreign exchange near me', log on to the site. A Forex card is your best companion when you visit abroad as it makes your job easier.
Features of a Forex Card
A Forex card is also known as a multi-currency Forex card or traveller's card. Bookmyforex card gives you the option to load multi-currencies that offers seamless spending. A Forex card can be used for purchases, payments, and even online stores.
You can preload the Forex card and use it in any part of the world. The best part is there is no extra charge on reloading the card. It is safe and convenient to use.
Forex card works like a debit card but its a much better option as there are no added charges to be paid on every transaction you make from the card.
Buy one today,
Forex card has the lowest issuance fees if you compare it with a debit or credit card. Bookmyforex.com offers amazing features for Forex card with enhanced safety. A Forex card lets you make payments with a single tab and zero margin rates.
Bookmyforex.com offers cash assistance if you lose your card or if it is stolen. There is an add-on balance facility that you can avail if you lose your card in transit.
Forex card is the card that sets you free while travelling. With a single card, you can do so much while enjoying with your family. Just load the currency in the card and you are sorted. You can book or buy a Forex card online on Bookmyforex.com.
The process is simple and your card will be delivered at your home. Do buy a Forex card the next time you are travelling abroad. It simply enables you to access money from any part of the world. Make payments and purchases with the hassle-free Forex card.
submitted by ankitasharmaa to u/ankitasharmaa [link] [comments]

Questions on Traveling to the US

I have two questions about it (and yes, I'm going there for the first time so please bear with me):
  1. What should I do about the phone situation? Should I buy a sim card there or use roaming on my Canadian carrier? I'm with Freedom btw and don't even know if they offer US roaming, but I wanted to get y'all's $0.02.
  2. For spending there, I'm planning to use my credit card, but it does have forex transaction fees (I'm not sure how much). But I'm wondering if it'd be worth it to get a new forex-transaction fee-free credit card just for travel purposes? Is that worth it?
I think I have the flights part down but if y'all have any tips/advice for that (as most of you almost always do), that'd be much appreciated as well.
submitted by RumiShroomy to PersonalFinanceCanada [link] [comments]

Apple Card Review: A (Mostly) Rewarding Way to Pay

I spent a few days hopping around New York City last week, trying to keep my wallet in my pocket. It wasn’t that I was on a tight budget. But I was testing the Apple Card, the new credit card from Apple, and according to its reward program, that’s the most lucrative way to shop.
Introduced back in March, the Apple Card is now generally available to anyone with an Apple mobile device who wants to apply.
If you use the Apple Card via the wireless, contactless Apple Pay system that is becoming increasingly popular with iPhone owners and businesses alike, you get a fairly generous return on every purchase of 2% cash back, no strings attached. That’s a bonus which lines up with the best credit cards around, from major issuers like JP Morgan Chase and Bank of America.
So when I grabbed a cup of coffee and a cookie at a cute bakery on the Upper West Side, for example, paying with the Apple Card through my iPhone earned me an almost immediate refund of 11 cents on my $5.63 purchase. (The cookie was good, too.) Later, after traipsing around on a hot summer day, I picked up a $2.87 bottle of water at CVS, also using wireless Apple Pay. Along with the hydration, I scored 6 cents cash back.
A big difference between this credit card and its competition is that unlike other rebate cards, the Apple Card’s cash reward appears almost immediately after the purchase is processed. To access these funds, you simply open the Wallet app on your iPhone, which is the home of Apple Card itself, showing your current balance, recent transactions, and other info updated in almost real time. The Wallet app also displays your “Daily Cash Balance.” These funds can be spent like a debit card on purchases using the digital Apple Pay Cash card, sent to a friend via Apple Pay, or even used to partially pay off the balance on your Apple Card.
There’s another, better benefit to using the Apple Card: Paying for purchases from Apple using the digital credit card earns 3% cash back. For example, my family’s $5 per month _New York Times_cooking app subscription now brings back 15 cents each month. And the $120 a year I pay for a family iCloud storage plan earns $3.60 in rewards. And if I decide finally to upgrade my aging MacBook Pro with the rumored 16-inch model coming later this year (please revamp the keyboard, Apple!), the cash back perk will be even more substantial—$90 on a $3,000 purchase, for example. There’s no other way to get such high rebates on purchases directly from Apple (though some cards affiliated with retailers like Target and Amazon will give 5%, if you’re buying Apple hardware sold at those outlets).

Taking a swipe at other cards

When using the Apple Card at establishments that aren’t set up for app-enabled, contactless payments, things get markedly less magical. To start, you have to pull the (admittedly cool looking white, titanium) Apple Card out of your wallet—and that can be a drag. Then, the rebates drop to just 1%, lagging competing cards.
A fair counterpoint, however, to the meager 1% cash back on physical card swipes is that Apple also forgoes fees that other cards charge. Apple Card has no annual, over-limit, late, or foreign exchange fees. And that’s great, because those can add up. For instance, imagine if I spent $1,000 over the course of a month on a competing card to get $20 cash back, instead of the $10 I’d get from swiping my Apple Card. Every other credit card I know of charges late fees—and one $35 late fee would quickly wipe out that $20 cash back reward, and then some. Foreign exchange fees can also add up quickly (though there are other credit cards, particularly those affiliated with airline rewards programs, that also forgo forex fees).
Assessing whether the Apple Card makes financial sense for you, therefore, requires making assumptions about how much you spend with Apple (including all your iTunes purchases and subscriptions), how often you’re able to use mobile payments, and how often you typically trigger the fees that Apple doesn’t charge.
For me, it certainly makes sense for all my Apple purchases and when I’m paying via mobile. But Apple also just added Uber as 3% rebate partner—a perk for its cardholders—and future partnerships like this could make the Apple Card more attractive at more businesses.
Even when you’re not rebate hunting or avoiding fees, the Apple Card feels like a futuristic, if long overdue upgrade to spending on plastic in the 21st century.
The application process, within the Wallet app on an iPhone or iPad, takes just a few minutes and, if you’re approved, the card is added as an option in Apple Pay immediately. The white, titanium physical card is optional, but came via FedEx within a few days after I requested one. Activating the card was as simple as holding it near my phone with the Wallet app open.
Every transaction quickly appears listed in the Wallet app on my iPhone, with a categorization (like “transportation” or “food and drink”) along with the rate of cash back I received (3% for spending with Apple, 2% for mobile payments, and 1% for everything else). Tap on any transaction, and Apple shows on a map exactly where you made the purchase. For some stores, like that CVS where I got the water, there’s even a deeper link, with all kinds of info about the business, like the phone number, hours of operation, and customer reviews. Apps for my other credit and bank cards aren’t nearly so nimble.
With a couple of teenagers out in the wild using our family credit card, it can be hard to identify who spent what where, with the typically meager information provided by the credit card company, so the geo-location info is fantastic. Of course, I can’t yet opt to switch the whole family to the Apple card—there’s no option yet to add additional cardholders to my account (a feature available with every other card I’m aware of).
Another potential perk: Apple has committed to not share cardholders’ spending data with marketers, a promise partner Goldman Sachs has also agreed to.
But there is a downside to that privacy policy. As a result of refusing to share data, information that goes into the Apple Card doesn’t come out. That means there’s no way to see it on the web or share it with other financial apps, like Mint or Personal Capital, that can help you budget and track spending across multiple bank and credit card accounts. There also doesn’t appear to be any way to generate an annual report, a helpful tool for tax preparation, though Apple could always add that feature later.
Another thing that could be added to the Apple Card later is discoloration, apparently. A close reading of the card’s care instructions has prompted concern that its white, titanium material may lose its luster when housed in leather wallets, or after rubbing against other cards. But after my initial week of Apple Card use—mostly through the app, which provides the best incentives—I can report that my “plastic” remains pristine.
With version 1.0 of the Apple Card, it’s a little hard to square the product with Apple CEO Tim Cook’s assertion of “the most significant change in the credit card experience in 50 years.” But for people who spend a lot with Apple, it’s a solid addition to your wallet—at least your mobile one.

More must-read stories from Fortune:

—[A rare tech company where women dominate
](https://fortune.com/2019/08/21/thirdlove-tech-diversity-women/)—Walmart CEO: VR training helped save lives in the El Paso shooting
—Can Apple afford to make its streaming video service free?
—How to compete with technology in the [age of automation
](https://fortune.com/2019/08/18/job-replaced-by-automation-artificial-intelligence-ai/)—[Disney’s streaming service](https://fortune.com/2019/08/19/disney-streaming-service/) won’t be available on the most popular streaming devices
Catch up with Data Sheet, _Fortune_‘s daily digest on the business of tech.
* More Details Here
submitted by acerod1 to Business_Analyst [link] [comments]

How to Avoid Credit Card Foreign Transaction Fees Forex Brokers $ Free Money - MT4 Program - Credit Card ... The 5 Best FREE Credit Cards in 2020! (With No Annual Fee ... 5 FREE Ways To Make Money Online If You're BROKE 💰 (NO ... Forex Brokers $ Free Money  MT4 Program  Credit Card, Paypal, Liberty Reserve Deposit How To Get Free Credit Cards Numbers With Money On Them FREE CREDIT CARD NUMBER WITH $1000 - YouTube

What are the various charges included in Forex Card? There are basically three types of charges involved: 1. Foreign Currency Conversion fee The fee that Visa and Mastercard charge you because your card is Indian and your Card balance reflects in Indian Currency and when you use it abroad, you pay it in the currency of the country you are in. In order to qualify for the free card, you simply need to make a deposit of $500 or its equivalent in your account currency and have your account document-verified – as simple as that. To claim your card, you would have to submit an application through your account – the card will then be sent to you and once you get it, you would need to contact the customer support team of the broker to ... When you swipe your credit card abroad, card issuers levy cross currency mark-up fee which usually range between 2% and 3.5% of the transaction value. However, in case of a forex card if a ... I frequently get questions about credit cards which copy the US feature of being a Zero Forex Fee Credit Card. To this, for most of the last many years, most banks have not moved forward, but instead offered more rewards or a lesser fee for the use of the credit card abroad: American Express Platinum Charge Card offers 3X the points on International Spends (online/offline) Citi Prestige offers ... As we noted, deposits and withdrawals from your Hot Forex trading account are free of charge. For ATM cash withdrawals in US dollars you have a 400 USD withdraw limit per transaction and a flat fee of 3 USD. For ATM cash withdrawals in a different currency the fee is 2% of the withdrawn amount or minimum 3 USD. POS purchases however are free, as well as all online payments made with the card ... Some credit cards may also treat payments to forex brokers as cash advances rather than a regular purchase and charge a high interest rate. It would be best advised to check with your credit card provider first to see how they would view the payment. Generally using a debit card will always be free to use and may be the better option. Free $100 Forex Welcome Credit from ATFX. Promotion offer: ... Identifying with Link : Get $100 Free Welcome Credit. Identifying with Link: Unbelievable Rebate offer up to $2500. How to Get This Bonus : Open a Live Trading Account with ATFX. Deposit $200 and Accept Terms & Conditions. US$ 100 Credited to your Account. Trade 6 Lots and withdraw the bonus. US$ 100 Credit Becomes Withdrawable ...

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How to Avoid Credit Card Foreign Transaction Fees

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