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Binance Review 2018: Comprehensive Crypto Coin Exchange Binance is a Chinese cryptocurrency exchange. Binance was created after attracting funds via an ICO (Initial Coin Offering – creating a new digital asset, backed by the project. Changpeng Zhao, former CTO at OKCoin is currently at the helm of Binance. They are known for fast processing speeds coupled with an ability to process enormous numbers of transactions (1.4 million) each second. It’s been quickly gaining ground in market share cementing a place as a top 20 exchange in terms of volume. Binance transaction has reached a new level and currently score tenth place in the world. Binance offers a generous daily withdrawal limit. They don’t need identity confirmation when the per day remittance is within limit of 2 BTC. Binance Features Binance’s trading platform is web-based. Furthermore it offers two distinct trading layouts, a more simple one and a “Pro” version. Their ICO has created tokens named BNB that are traded on the exchange. They can also be used as a method of paying your trading fees, which will reduce them by 50%. Binance offers their own startup incubator platform as well. The trading functionality of the platform was of more interest so we focused on that for the purposes of this Binance review. Below is the “standard platform” look: Below is the advanced display: BINANCE Advantages Large Cryptocurrency Pairings Supported The competitive advantage of Binance’s platform is the ability to trade every major cryptocurrency pairing in existence. Coinbase and Gemini only offer trading of a handful of the larger market capitalization cryptos, whereas Binance allows users access to trade over 100 crypto coins. Low Fees AND LIMITS The fee structure is simple as well as being priced. There is a flat 0.10% fee on all trading. The 0.10% fee on trades is one basis point. If you were to buy a cryptocoin at 100 you’d have to sell it higher for 101 to profit. Ease of Setup Setting up an account is straight forward, similar to signing up for an account with other service providers. Another advantage is there is no lengthy waiting time, users are able to get setup and running within minutes. This is due to the fact that fiat is not accepted on the exchange. Binance Provides Significant Trading Volume Binance is currently the third largest exchange by cryptocurrency trading volume, according to coinmarketcap. At the time of writing, Binance’s volume was an astounding $5,441,711,452 in the last 24 hours! This volume demonstrates their users clear trust in the exchange, as well as the accessibility of the exchange and ease of transacting. This type of volume requires substantial servers and computational power. Wide Support of Cryptocurrencies No Verification Requirements Binance doesn’t require identity confirmation in instances when the per day remittance is within the limit of 2 BTC. The attractiveness of setting up an account with Binance may be greater for a user in a jurisdiction where certain exchanges choose not to allow new users because of restrictions imposed by that location’s governing regulatory bodies. Ease of Use You’re able to buy and sell crypto pairings with market or limit orders while specifying the amount or percentage you wish to trade for each transaction. BINANCE Disadvantages No Leveraged Margin Trading Margin trading is not available at Binance. Margin trading is a system which allows you to trade with more money than you actually have in your account. Your balance is then used as a guarantee to maintain your position open. No Fiat Functionality This has both advantages and disadvantages. Government fiat deposits are not currently enabled in Binance, instead this exchange focuses only on the digital side of things. Clients can deposit and withdraw the coins supported at the exchange. This means that you’re not able to deposit or withdraw in fiat currency, only cryptocurrency is supported. Relatively New Binance was started in only July 2017, according to this Reddit post. This is a major concern, as they don’t have a history. Despite all the good things people are saying on Reddit. it’s worth mentioning as many exchanges have come and gone. Binance appears to have a visible co-founder, unlike BTC-E. Conclusion Accessible option for obtaining Different Cryptocoins Binance is the most rapidly-growing and communally praised cryptocurrency exchange available. It’s China based location may spell issues in the future due to rumors of a “crackdown“. that currently accounts for a large amount of volume. Although Binance targets high frequency traders, it is quite useful for those getting beginning with altcoin trading. Their lack of fiat money deposits may be difficult to swallow for beginners, only supported cryptocurrencies may be deposited. Binance boasts a large number of various cryptocoins for trading. The main benefit is the ability convert between cryptocurrencies. For instance exchanges such as Coinbase and Gemini are more limited in the number of cryptocurrencies offered. The interface is also conducive to support shorter duration hold time day trading of cryptocurrencies if one were so inclined to deploy that strategy. Binance is an exchange worth looking into and integrating into crypto trading just for their large amount of supported crypto coins.

Whether you’re a road warrior seeking adventure or you’re just looking for a way to get around town, there’s nothing quite like driving a motorcycle. As you would with a car, you’ll need insurance if you want to protect yourself, your passengers and your investment. And just as you’d shop around for auto insurance quotes, you’ll want to find the best insurance for your bike. Here’s NerdWallet’s guide to understanding motorcycle insurance. Motorcycle insurance requirements Most states require motorcycle owners to buy liability insurance. Liability coverage, which is almost always required, pays out for others’ injuries or damages if you cause an accident. The lowest amount of liability insurance you must buy for your motorcycle is the same as your state’s car insurance minimum requirements. Florida also requires you carry a minimum $10,000 in medical benefits, which can come from your health insurance. Consider buying extra liability beyond your state’s minimum requirements to protect your assets in case you’re sued over an accident. Minimum liability limits might not be enough to pay your legal costs and claims if you’re sued, and creditors could go after some of your assets. Also, check with your insurance company to be sure your bodily injury liability insurance covers passengers; in some states, you might need passenger liability coverage to insure them. Some states also require drivers to carry uninsured/underinsured motorist coverage. This coverage pays out for injuries resulting from an accident caused by a driver who’s uninsured or who doesn’t have enough insurance. Uninsured/underinsured coverage can include property damage, but with some insurers you might need to buy it separately. Check with your agent. Motorcycle insurance coverage options Coverage options for motorcycle insurance are similar to the standard ones you’ll find for auto insurance. In addition to liability and uninsured/underinsured motorist coverage, most insurers offer these options: Collision: Pays out for damage to your motorcycle, minus your deductible amount. A deductible is the amount you select when you buy your policy that’s deducted from a claim check. Comprehensive: Pays out if your motorcycle is stolen or damaged by something other than a collision with another vehicle. Animal collisions are covered. A deductible applies. Medical payments (MedPay): Not available in all states, medical payments coverage pays for medical bills if you and your passenger are injured in an accident. Unlike personal injury protection, medical payments coverage doesn’t cover lost wages and other costs. Let’s state the obvious: Driving or riding a motorcycle comes with risks, no matter how careful you are. Medical payments coverage can come in handy if you don’t have health insurance or you don’t have enough. Personal injury protection: Generally pays out for medical bills for injuries you, your passenger or pedestrians suffer in an accident regardless of who’s at fault. (Rules vary by state.) Although some insurers offer PIP, some states may not allow insurance companies to sell the coverage to motorcyclists because of their high rate of accidents. Insurance companies typically offer add-on options, although some may offer one or more as part of their standard policies. For some of these, limits and deductibles apply. Trip interruption coverage: Pays out for lodging, transportation and food if your bike is disabled in a collision far from home, usually defined in your policy as 100 miles or more. Coverage for custom parts, equipment and accessories: In most states, insurers include some custom parts and accessories coverage with comprehensive and collision insurance — typically up to $3,000, though the amount can vary. For many riders, however, customizing a bike is part of the lure of owning a motorcycle. If the chrome parts, saddlebags and personal touches you add to your bike are worth more, you can buy additional accessories coverage, usually up to $30,000. Transport trailer coverage: Many insurance companies offer coverage for trailers valued at up to $7,500. Roadside assistance: Includes towing and labor at the site of your bike’s breakdown. Motorcycle insurance lay-up periods Many insurers offer what is called lay-up insurance during winter, when many drivers put their motorcycles away. During the lay-up period, insurance still covers you against theft and other events that can happen while your bike is in storage. Lay-up coverage saves on your annual insurance costs, but keep in mind that if you take the bike out on the road during the lay-up period, insurance won’t cover you in an accident. Motorcycle insurance discounts Discounts vary by insurance company. Here are some of the most common ways to get a price break: Buy another type of policy, such as auto or homeowners insurance, from the same insurer. Maintain a clean driving record. Insure more than one motorcycle with the same insurance company. Complete a motorcycle rider training course. Belong to a motorcycle riders organization. Ask about a mature rider discount if you’re over 55 or a longtime rider. Insurance for destroyed or stolen bikes One of the most important things to understand about your motorcycle policy is how it pays out if your bike is destroyed or stolen. There are three types of settlements. These are: Actual cash value: Pays out the cash value of what your bike is worth, minus depreciation and your deductible. Stated amount: Pays the amount you selected when you bought the policy. Agreed value: Pays the amount you and the insurance company agreed on when you bought the policy. The amount remains fixed, and no deductible is taken from a claim check. Owners of custom or classic bikes are generally offered agreed value or stated amount coverage. Where to buy motorcycle insurance Many of the nation’s biggest auto insurance sellers also carry motorcycle insurance; some offer it as an endorsement, or addition, to your auto policy if you have one. Among the top 25 top auto insurance sellers, NerdWallet found these that also sell motorcycle insurance. Coverage availability and details vary by state:

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