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The Multilayered Cryptocurrency

Questions have arisen unto whether bitcoin is turning into a multilayered system. Well, the answer is yes. This article seeks to outline the various layers onto which bitcoin lies on. It’s all yours!
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Have you heard of those who refer to bitcoin as digital gold? Clearly, the crypto-currency is quickly gaining popularity and acceptance in the crypto world. The value of the coin is estimated to rise higher. However, it is also noted that the coin can gain or lose 50% of its value overnight. This causes speculations amongst investors but the coin is nevertheless a ”digital gold”. And to the question of whether bitcoin is a multilayered system, it should be known that bitcoin exists on two main layers. These are the mining and the semantic layers.
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The mining layer

This is the layer in which the coin is created. Besides bitcoins, ether is also created in this layer. After creation of the coins, valid blocks of bitcoins are transferred to the ledger. Here, currency generation is done. It should be noted that the currency is generated from transactions which are contained in the blocks of bitcoins. The blocks are known as transaction fees. The currency can also be generated from the network itself, or you can say ”from the thin air”. The main advantage of generating currency from the network is that is provides incentives to the miners.

The Semantic Layer

This provides a very important platform. The semantic layer is the layer in which bitcoins are used as a means of payment. It also provides a platform for bitcoins to be used as a store of value. The layer seems very important, isn’t it? The holders of bitcoin currency sign the valid transactions which signal the start of transferring the bitcoins among the nodes at the semantic layer. The transfer can also be made possible by the creation of smart contracts. The smart contracts transfer the coins between different accounts.

The lightning network

You’ve probably not heard of the lightning network. This is the latest invention being rolled out by the bitcoin community. This layer will have the ability to run on top of bitcoin. With this invention, there will come an application layer that is on top of bitcoin. It will be so exciting. The most interesting aspect is that its value can also be used to make payments. This will be made possible by transporting its value between people. With the invention of the lightning network, bitcoin will become a transport layer as well as an application layer.

As of today, the value of bitcoin is estimated to be about $9 billion US. It also known that bitcoin is a decentralized cryptocurrency. This means that it works without the control of a bank or an administrator. Bitcoin is surely taking over the crypto world.

Also of importance, is that the technology used during mining of bitcoin is called blockchain technology. It works by allowing the distribution of digital information, and not copying. Cryptos are really an exciting topic and in the near future bitcoins could overtake our mainstream currencies.

Top Ways Traders Lose Money

Did you know that 1 out of 10 traders loses money in the financial markets when trading?

Despite the damning statistics and the inherent uncertainty in the outcomes of trading, traders continue to take the risk and invest their money with the hopes of getting a return.

Experienced traders and stakeholders have highlighted several ways in which traders lose money. From this information, we have selected top ways traders fail that can assist you to avoid making the same mistakes.

Trading to learn

Most traders who have sustained losses from their trading experience acknowledge that they started trading without receiving any formal training from a professional. Armed with only the basic information about markets, some people invest and start trading hoping, ignorantly, that luck will be on their side. Instead of learning how to trade, these investors begin trading to learn how the markets work. This reversed prioritization of events leads to insurmountable losses, making it harder for the trader to ever recoup the lost money.

Risk management

Understanding the risk level of a trade and the risk category that investments are placed is the first step to avoiding losing money when trading. Conducting a risk assessment of the investment opportunities in the market enables a trader to determine the leverage that they hold against the investment and whether it is worth placing a wager using the leverage. Without a risk assessment, a trader may place a wager on a portfolio that has a high-risk premium and ends up losing the leverage among other losses.

Money management

Lack of money management skills, traders hold on their stakes for either too long or release them too fast. Therefore, despite making a profit from a transaction, the trader ends up losing money.

Transaction costs

Like any other investment, trading has its operational costs that have to be factored when generating a profit and loss statement. A trader may lose money despite having a positive return in a trading period based on the costs incurred over the period. The adjusted transaction costs deducted include taxes, commissions, and utility bills, among other resources including time spent trading and conducting other activities related to the trade.

Tools of the trade

Markets are time sensitive and data-intensive platforms. Traders who have appropriate data at the right time are more likely to win than the others in the same market. Lack of tools for efficient data analysis and communication causes some traders to make trade decisions ex-post. For example, having a slow internet may hamper the trader’s efficiency and hence a trader will make decisions using delayed data feed.

Discipline

Lastly, traders lose money because they lack a trading strategy or if they have one, they deviate from the plan. For example, a trader without a diversified portfolio is likely to lose money because of lack of risk spreading. Consequently, trading without a limit order or a take-profit order exposes the trader’s positions to further risk of losing money with the hopes of a ‘miracle’ at any time.

So how do I avoid losing money?

With the basic information on how traders lose money, it is paramount that you understand the best way to avoid these predicaments by learning how to become a successful investor.

How Genuine Is Your Home In Terms Of Investment?

Different people follow different types of life style. Some are always busy trying to earn hard money so they can think of investing in future plans. Thousands of people around the world make money for their future investments. The moment you go out and speak to the professional investment agent, most of them might give you different advices. Some of them might also advice you to try and invest all your hard earned money in different types of networking companies, bonds or financial institutes. Some of them might also advice you to invest in real time business by setting up a small or a big production of servicing unit. This depends on your choice where you want to make your best investment, but these certainly are not the only and the best options available.

Even before investing any money, you need to get familiar with all possible ups and downs of the investing industry. The factors may depend on the area of your interest. For many people around the world, who are also successful investors, investing money in real estate and home is a smart way to invest your money. One of the main benefits with real estate is that you can always have an option to rent it for more profits. This is not a very difficult task as you just need to make a few adjustments to the property and ensure that all possible documentations are valid.

Rental homes certainly are considered to offer you with a better income stream that is consistent for over a period of time. Apart from this, depending on the present market conditions, you can always expect the rental amounts to go much higher with time. Many people always look around for new rental homes as they are on move because of their jobs. Apart from renting home to a salaried person, you can also try and convert it into a nice vacation house. There are many people who try getting away from the busy schedule of their job and often look around for perfect escape vacation home.

The cost of rental can change according to the location of the home. So if you have invested in a home that is located in the deep forest, you always have a better chance to earn money. Also people with joint family always look out for extended homes for their loved ones and so you can try and come across to rent your home to them. If you are in contact of any social club then you can also try and offer your home as a perfect reunion spot.

As the value of real estate keep on increasing after regular period of time, you can always ensure to get best resale value after few years of investment. For many people, homes are always the best investment options as they get a chance to generate big profits over a period of time. As for homes, it is much easier to convince ourselves that they are always the best investment plans for anyone. So a smart investor always looks around for opportunities to invest in genuine real estate.

Crypto Signal Services – Choosing The Best

Crypto trading can be profitable when the trader manages to keep an eye on the market round the clock. It is however something that can be challenging to do, but luckily there are crypto signal services that can be used to offer the needed assistance with the trading. They offer signals so traders are able to make the right decisions with their trading at the right time for that matter. With crypto currency trading so popular, a number of crypto signal services have popped up. So how do you choose the best to offer valuable information to make your trading most successful?

Service quality

It is one of the most important factors you should consider when choosing the services. The trading platform should have an impressive prediction success rate and should also offer relevant signals to guide you through the trades and market trends. The signals should also be sent in promptly so they match with real market activities. Check to see that they generate signals in the fastest way possible; it makes all the difference.

Reliability

Remember that you will be trusting them with guiding you with your trades and hence you want to choose someone you can fully rely on to make safe choices. This means that you should select a provider who is 100% legitimate. A provider who tells how they generate the signals is more reliable whether they are expert traders or automated software. In the world full of scams, you really want to be careful whom you choose to work with.

Free trial

One of the best ways that you can tell that a provider is genuine is by them offering you a free trial for the services they offer. This applies even when it comes to the crypto trading. A provider who offers free signals for a certain period of time gives you a chance to determine the quality and reliability of the service. By trying before investing, you get into the services with complete trust and confidence. Legit signals will have no issues, giving you the freedom to make a decision of working with them or looking elsewhere in case you are not happy with what you get.

Pricing

Even with a free trial, you definitely will need to subscribe to the services at some point. Avoid providers offering the signals at no charge at all as they may not be legit. However, you should also not be scammed to pay huge amounts for the subscription either. The pricing should be reasonable for the quality of service you stand to enjoy. Do your maths and research a little so you make the right decisions in the end.

Support

Apart from being available round the clock for your assistance, they should be knowledgeable towards the digital currency exchanges and the application they are offering you. Without this kind of support then you will still have issues enjoying the value that the services are meant to add you.

When Should You Borrow Against Inheritance?

The departure of a loved relative is always a sad moment. But after the period of grief and suffering, it is wise to consider how his or her earthly belongings will be shared. In many cases, the fortune the deceased left behind is the only income source for the remaining relatives. And if the process of distributing the money is not straightforward, it can take months or even years before the heir may see a single penny. This is why borrowing against inheritance may be the best option. Find out more about cash advance loans and why they are a good solution.

A lengthy probate process is the most common reason for using cash advance services. A probate is basically a process that ensures that each heir correctly receives his part of the inheritance. And it can take a lot of time, months, even years, before the entire inheritance is distributed. This happens a lot when there are more than just one heir. Meanwhile there are many estate obligations which must be settled. Anything from funeral costs, to remaining loans and other debts should be resolved quickly. And in this case, a quick inheritance loan is recommended.

In cases of multiple heirs disputing some properties, things can also become complicated. For example, two heirs should divide property of the estate. One of them renounces and just wants the money for his share. Since properties are expensive, you can also use an inheritance loan to buy the property. In this case, you may want to discuss more with the loan experts about how you can return the loaned money.

Advance cash loans can solve a lot of problems for heirs expecting their money. However, there are few things to consider when asking for a loan. Inheritance advances and loans usually range from $5,000 to $250,000. Choose a loan amount that is less than your expected inheritance. Some lenders will offer a maximum percentage of your total expected inheritance. The inheritance rights are assigned to the company and the process can take from 5 up to 10 days.

Another thing to remember is that cash advance companies ask for fees. Fees vary a lot, depending on the amount of the advance, the complexity of the estate and the amount of time until the estate closes. Whenever you want to make a cash advance against inheritance, make sure to bring relevant documents, like a copy of the Will or a copy of the death certificate.

Reduce Your Stake

To begin with, your risk appetite depends on certain factors which are your age, personality, financial and past experience. You need to understand that younger people tend to have a higher risk appetite. This is attributed to the fact that they have a lower relative inexperience. Older folks may have experienced losses in the past due to bad judgment and decisions. As a result, they are more careful as they trod and progress in life. There are hard times indeed, and as such, you must be averse to risk. If you desire better results and big profits, it is essential you allocate your resources efficiently and avoid the risk of losing your entire invested assets.

First and foremost, you need to identify what are your asset invested assets. It may be financial, physical or spiritual. Financial advantages are cash, stocks and equities. Physical plus point are liquid assets such as buildings. Spiritual assets include your character, prayer and obligation to GOD. Given these points, your investment when done with a long-term focus can produce amazing high returns, which would support your future plans. How nervous do you get when you lose? The rule of the game is not to put all your eggs in one basket. It is important to diversify in order to reduce your stake. For instance, if you pull together all your money into a business venture, definitely, the chances of getting back your hard-earned money is hard because you have raised your risk appetite. The truth of the matter is if you do not want volatility, you better minimize the menace of instability and protect your investments.

Tips on how to manage a high risk appetite

It is important to take time to study your risk appetite. Keeping an eye on it can prevent minor mistakes from plunging you into big problems. Always make sure you learn the basics and set concrete and meaningful goals. Diversify and review your risk assets regularly in order to get a profitable venture. As you walk along the line, you need to learn how to reward yourself. Pay yourself by either selling a small part of your profitable venture or investing more in other projects. Did your goals meet up with planned objectives? Remember that there are many fraudsters waiting for the opportunity to steal your profits and eat the fruits of your labor. Avoid anything that is free it is usually a trap that may explode your risk appetite.

Top 5 Benefits of Investments

From our childhood days, we are taught to save money from our pocket to buy the belongings we wanted the most. This casing of mind carries to the age of maturity and we try to save money for the thing we want the most. But here we commit a drastic mistake of life that makes a difference of becoming successful or reduced in terms of financial amplification.

To understand the investments; we must define the investment first.

What is Investment?

According to Investopedia, An investment is an asset or item that is purchased with the hope that it will generate income or will appreciate in the future. In an economic sense, an investment is the purchase of goods that are not consumed today but are used in the future to create wealth. In finance, an investment is a monetary asset purchased with the idea that the asset will provide income in the future or will be sold at a higher price for a profit.

What are its top 5 benefits?

1) Financial Independence

Financial independence means you have enough wealth to live off of without working. Financially independent people have enough assets that generate income without any physical work as their money is doing work for them.

How to achieve Financial Independence?

Here are the best tips to become financially independent:

· Try to increase your income.

· Plan your savings every year.

· Select profitable investment options.

· Decide your financial goals.

· Try to stay away from loans and debts.

2) Safeguard against the Inflation

Inflation is a sustained increase in the general price level of goods and services in an economy over a period of time. It can be considered as the ageing of the value of money over a time.

In Economics, Inflation reflects a reduction in the purchasing power per unit of money – a loss of real value in the medium of exchange and unit of account within the economy

The value of assets keeps on increasing due to inflation. As a result, the investments are not only safe but also increased by the time. Hence, It acts as an uphold against the Inflation

3) Achieve Financial Goals

When we invest, we put our money aside for long-term goals such as retirement, International holiday trip, Luxury home with a car or a child’s education.

The Investments ensure us to achieve all our long term and short term goals at a precise time.

4) Increase Wealth

Investing isn’t a mode to get rich quickly. It takes time, patience, and awareness. It requires analytical studies of opportunities available and makes well-versed choices of where to place your investment so it provides huge returns. If the things are performed in a spot in order the results are almost guaranteed.

5) Provide a source of Income

Some funds specifically set out to provide investors with a monthly income while others such as many property funds pay out dividends monthly, as well.

Most of the monthly income funds attempt to offer 11 monthly payments of a similar amount and a 12th that varies. The exact level of income will depend on the fund’s performance.

What are the ways of Investments?

Suitable Investment Options are stated as follows:

· Real Estate.

· Individual Stock.

· Mutual Funds.

· Corporate Debt.

· Government Bonds.

· Commodities (Gold, Silver etc).

· Liquid Funds.

· Fixed Deposits.

Investing In Yourself: Why You Should Start Investing In Yourself

The word “investment” is thrown around in so many ways. The word is even used where it doesn’t exactly belong. So, why and how should you exactly invest in yourself? I am going to be explaining 3 great reasons why you should start investing in yourself and provide a couple ways to wisely invest in yourself as well as in your future! By the end, hopefully it will be clear how important it is to invest in yourself and to begin this investment today!

3 Great Reasons To Invest In Yourself

1. Confidence Building – Investing in yourself will give you a massive confidence boost. Knowing that you are growing yourself mentally or financially or any other way is an amazing and rewarding feeling. This can lead to being able to achieve personal goals, scout new ways to become better financially or romantically or whatever else, or even just advancing in your current career. This also allows an open door for you to have more respect and love for yourself because you realize the fact that you made a commitment to treat yourself with such things and are going to do so.

2. Higher Earnings – If you want to make the big bucks, you’ll have to invest in yourself. Before someone is willing to invest in you, you must first invest in yourself. If you do this educationally, you will be able to achieve possible growth in almost any industry available. Education is something you should never stop growing, learn as much as you can and watch as you reach potential you didn’t think was possible. Have you ever wanted to be rich?

3. You’re Worth It – The main reason to invest in yourself is because You Are Worth It! I try to get this message planted in the mind of my children because it is a very valuable lesson. You should never settle for being less than your potential can actually reached. Everyday should be a rewarding challenge to grow your potential to new heights. If you have the mindset that you are worth more than you have regardless of the situation, you will see massive growth in everything you do. This reason to invest in yourself is hands down the most important one.

2 Great Ways To Invest In Yourself

1. Educationally – There are all types of different ways you can invest in yourself educationally and it’s very recommended that you do so. Your brain can hold a bunch of information! Never fear education, accept and welcome it! Any seminars or work shops you’ve been invited to or heard about recently that you didn’t think anything of, well start thinking about them! I am not a real estate professional, I don’t even own a house paid in full at this time. However, I have been to countless real estate seminars just because I love being informed! If I ever do decide to grow a real estate career, I’m already prepared.

2. Financially – I understand that this one will be tricky especially if you have little available funds to begin with. However, if you want to grow your income level substantially then investing in yourself financially is an absolute must! You could do this with stocks, real estate, a business, or anything else that will bring you income. If you do this though, you need to look for Return on Investments! I personally don’t do stocks because I don’t see a good enough Return on Investment. Luckily, there’s plenty of other ways to invest in yourself financially with fantastic Return on Investments such as real estate or direct selling.

A Couple Final Tips

1. Make a 5 Year Plan – Have you ever done this during college or high school or maybe even had to tell a potential employer this during an interview? Well, people do this for a reason. Writing things down in general makes it easier to retain the information as well as commit yourself to doing what it is you wrote. So make your five-year plan and put it somewhere in which you will be able to see it daily! When stress overwhelms you, this plan will generally calm you down a little being able to realize you are exactly where you want to be in your steps of achieving your ultimate potential and goals.

2. Get The Ball Rollin’ – I’m a huge planner! I plan everything I do strategically. I plan exactly how I am going to make my coffee in the morning! Yes, it’s that extreme but I enjoy it! Planning is great, however, you must learn to take action! I was one of those people in which would think and plan everything but not get a lot done! I had to Get The Ball Rollin’ and after I was done planning, I had to start executing my plan!

Investing in yourself and in your future are very important if you are wanting to achieve big goals or dreams. Ask anybody who has achieved high success in anything and they will tell you how important it is and how much they’ve had to do it in order to get to where they are currently. Do not be afraid to put some money on the line for a potential reward later on. Just make sure that your money is going to something that will be rewarding and has a high Return on Investment!

Is Your Trading Capital Eroding Too Quick?

The theme, which is similar in both books, is about keeping your position sizing down to around 1-2% of your capital, and that almost all successful traders will say a position size of greater than 3-4% per trade is highly risky. When I ever I read this I was saying to my subconscious, ‘der, that’s obvious, why do you keep saying it?’ and then it dawned upon me. This is a major flaw in a lot of traders trading!

I had forgotten what I was like years ago when I first started out, and it did remind me of how far I’ve come, but it also gave me the inspiration to write this.

The desire to risk large amounts per trade is there with all traders, young or old, experienced or novices, however what one learns over time is that the big home runs don’t contribute to your success, nor do the winning trades. What helps you create a successful trading career is the ability to know that your system will provide you a positive outcome over time.

In order for this to happen one must realize that because any system has losses, those losses must be allowed to occur. If you have a system that you feel provides a 70% win to loss ratio (you have determined this through back-testing, reviewing your past trades and also from trades you miss), obviously 30 out of every 100 trades will lose.

The thing to know here is what are you going to do if you risk 10% in each trade and you happen to get 10 losses in a row? Can that happen? Of course it can, unlikely as it may seem it can still happen. What if you risk 5% per trade? You’ll be down to only 59% (assuming you trade 5% of available capital) of your original capital. Now in order for you to make all that money back, you now have to have 11 winning trades in a row!

What makes this whole trading style worse is that psychologically; most can’t take a large drawdown.

The point here is that consecutive losses can, do and will occur and your capital needs to be able to absorb them and so do you. The best and only way to do this is to keep your position sizes to the smallest possible amount. Sure, your capital wont grow as quick as it would if you happened to have some winning trades risking 5-10%, but that’s not the issue; preservation of you and your capital is.

Over time, you’ll learn that compounding your returns, and having the ability to deposit funds periodically into your trading account (treating it like a savings account), will create a scenario where you can risk much less. 1% of $100,000 is far easier to risk and trade than 10% of $10,000. And remember, do you want to create an ideal lifestyle in 5 to 10 years, or do you want to be stuck in the same job for 45 years? Patience will help you create that ideal lifestyle, not hitting home runs.

How to Double $300 Quickly

Most anyone can come up with $300 and invest it. Many have this misconception that they have to have thousands of dollars to invest, but the truth is that not everyone has this kind of money. There are many people out there looking to invest, but they feel like they can’t because they can only come up with a few hundred dollars. Well, the good news is that that isn’t so.

There are several ways in which you can double $300: But just remember why doubling your money is so important, do it just 8 taimes and you would have over a million dollars!

You can buy penny stocks. It may take quite some time for the money to double, but something that is great about penny stocks is that they do gain over time. You never know when you might find the next Google or Microsoft.

You can buy something that is worth much more than it is selling for. You can then sell it for what it is worth. For example, you can buy a $600 lawnmower for $300 and sell it for the $600.

Now you have $600. You can take that $600 and double it. Then again, you can triple it. You can invest in stocks, bonds, or another type of investment. Once you have made money off of that investment, you can then invest into something bigger. Before long, you can turn your $300 into thousands of dollars. The next thing you know you’re investing in real estate or something else that will make you a lot of money. It is all about being smart and responsible.