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.
Hujung minggu lalu telah berlangsung dengan meriahnya sambutan baby shower kakak Anzalna, Diana Nasir!
Condo insurance: How much is enough?
By Donna Fuscaldo Posted : May 15, 2017
Condo buildings
Let Insurance.com help you find affordable home insurance now.
If you own a condominium, you’ll need an individual condo insurance policy even though your condo association has its own coverage.
While the condo association takes some of the insurance burden off you, you’ll still need your own protection.
Condo association insurance typically covers building exteriors and common areas. However, this type of home insurance – known as the master policy or Home Owner Association (HOA) policy – doesn't likely cover what's inside your specific unit. It also may not cover all damages outside your unit.
AVERAGE CONDO INSURANCE RATES
in CALIFORNIA
Zip
94404
Personal Property Coverage
$60,000
Deductible
$1,000
Liability
$100,000
SEARCH
94404 - Foster City
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.
AVERAGE RATE: $422
HIGHEST RATE: $621LOWEST RATE: $277
MOST & LEAST EXPENSIVE ZIP CODES in California
HIGHEST RATE:
90210- BEVERLY HILLS: $806
90068- HOLLYWOOD: $798
90046- LOS ANGELES: $793
90069- LOS ANGELES: $792
LOWEST RATE:
94040- MOUNTAIN VIEW: $370
94085- SUNNYVALE: $370
95014- CUPERTINO: $371
94086- SUNNYVALE: $371
METHODOLOGY +
Condo insurance coverage
Homeowners insurance and condo insurance vary in terms of what’s covered. While regular homeowners insurance covers damages to the home and contents, condo insurance, also known as HO6 insurance, covers property damage and liability risks for condo owners inside the condo only.
When looking to buy condo insurance, carefully review your condo association policy first. Notice the level of protection your condo association offers.
"Generally the way it works is the condo owner's policy dovetails with the master policy," says Eric Goldberg, associate general counsel for Washington D.C.-based American Insurance Association. "Where the lines are drawn is dictated by the condo documents."
The HOA policy isn't going to be easy reading – some association policies can be dozens of pages of legalese – but it's essential to understand where your responsibility begins.
"Sometimes they are easy and straightforward and other times they can be complex, where you almost have to be a lawyer" to understand them, says Doug Foulks, a product manager at Columbus, Ohio-based Nationwide Insurance.
There are different phrases you’ll want to look for, such as “all in, “all inclusive,” “special entity, “ “bare walls in” and “wall studs in.” These phrases tell you the level of coverage that the HOA policy provides.
Here are the three different types of condo association policies from most protection to least protection:
All in and all inclusive. Protects all individual units’ exterior and interior surfaces, including fixtures, installations and additions. The individual condo owner is still responsible for personal property.
Special entity. Covers nearly all of the condo structure, which includes fixtures in units. This coverage does not include structural improvements or unit additions. The condo owner is responsible for personal property coverage.
Bare walls in and wall studs in. Covers only the bare structure. You will need to insure all of your condo’s interior contents, including bathroom and kitchen fixtures and countertops, as well as your personal property.
Knowing what the master policy covers can help you purchase the proper individual home insurance policy coverage, says Foulks.
HO6 condo insurance: What does it cover?
HO6 condo insurance covers damages within the unit and personal property, as well as liability claims, such as someone getting injured in your condo.
HO6 condo insurance typically provides protection for damages to interior walls, floors and ceilings. It normally covers damage caused by:
Fire
Weather (in many states, hurricane damage is not covered)
Theft
Vandalism
Smoke damage
Frozen pips
Much like regular homeowners insurance, a regular condo insurance policy does not protect you against flood damage. You will have to buy a separate flood insurance policy.
Condo liability insurance
Liability insurance is typically part of the usual condo insurance policy. It protects you in case someone is injured in your condo unit.
Make sure you select liability limits that are enough to protect your assets. Liability insurance often ranges from $100,000 to $500,000. You may want to explore a personal liability umbrella policy if the liability limits are not high enough.
The liability portion of condo insurance is the cheapest and can cost around $20 a year for $300,000 in liability coverage, says Ben Schuam, a product manager at Mayfield Village, Ohio-based Progressive Insurance.
Condo contents insurance
Standard HO6 condo insurance covers floors, inner walls and light fixtures, but you may still want to cover your contents. That’s where personal property or condo contents insurance comes in.
The personal property portion of your insurance protects furniture, clothing and electronics. Anything that you’re going to be able to take with you if you were to move will likely be covered under contents insurance. Here are some examples:
Structure
Floors
Cabinets
Carpets
Light fixtures
Inner walls
Countertops
Contents
Furniture
Appliances
Electronics
Jewelry
Clothing
Artwork
TVs
You’ll want to keep track of all of your belongings within the condo unit. When valuing your belongings, consider what it would cost to replace them in today's dollars, Schuam says.
Keep in mind standard condo insurance has limits on certain valuables, such as fine art, antiques, jewelry and electronics. So, you might need to purchase an endorsement or "floater" to provide additional coverage for certain items.
Schuam says the amount of separate insurance you can take out to cover the physical aspects and personal content of your condo typically ranges from $25,000 to $100,000. Premiums range from around $400 to $600 a year.
One typical mistake condo owners make is taking out coverage that reimburses the actual cash value of their belongings instead of a policy that covers the replacement costs, Schuam says. Actual cash value coverage is cheaper, but it doesn't reimburse the gap between present cash value and your items’ replacement cost, he says.
Here’s an example of the difference:
Flat-screen TV purchased several years ago
Cash value: $500
Replacement value: $2,000
"People tend to underestimate the cost to replace all the stuff," he says. "We are not talking about what it's worth today, but what it costs to replace it new."
Replacement cost coverage is more expensive than actual cash value coverage, but you'll be glad you paid the extra price if you suffer a major loss in a catastrophe.
Loss assessment coverage
Condo owners should also look into loss assessment coverage, which helps pay for condo association-related incidents. As a member of a condo association, you collectively own the common areas. You may need to pay as an individual condo owner if:
Claims exceed the association’s policy limits or you are required to contribute to a hefty deductible.
Losses occur that are not covered by the insurance policy, such as injuries from a pool slide is excluded from the HOA policy.
Some common loss assessment claims are:
Weather damage to the outside of the building.
Injuries in a common area.
Damages to common areas.
"Depending on the type of loss, the condo association can go back against the owners of the condo…and everyone would have to pay their part," Foulks says.
If the condo association's loss assessment policy isn't expansive, additional loss assessment coverage is a good protection for condo owners, he says.
Check your HOA master policy to determine the association’s coverage limit. Pay attention to whether or not there are special deductibles for certain hazards.
How much condo insurance do I need?
Condo insurance is more complicated than regular home insurance because of the different types of HOA policies and regulations.
A good rule of thumb is that you may need more HO6 insurance if your HOA policy is for “bare walls” or “wall studs in.”
You must decide how much coverage is necessary to protect your belongings and interior features, such as wood floors, kitchen cabinets and fixtures. Take stock of the interior items in your condo unit, including furniture, clothing and electronics. Don’t forget to record any expensive artwork.
One good estimation is to assume $40,000 in personal property for the first 1,000 square feet of your condo and then add $5,000 for each additional 500 square feet.
Figure out what level of liability insurance you need. If your assets are more than $500,000, you may want to look into an umbrella policy. Don’t skimp on liability insurance. For little money, you can be properly protected.
Look into loss assessment coverage so you can protect yourself in case someone is injured in a common area or the exterior of the building is seriously damaged. Loss assessment coverage is especially important if your condo association has a hefty deductible (some plans have $50,000 deductibles) and your complex may have risky items not covered by an HOA policy, such as a pool slide or diving board.
Average condo insurance rates by state
To give you an idea of what you can expect to pay, enter your state in the search box below. Insurance.com commissioned Quadrant Information Services to field rates for nearly every ZIP code in the country among six major insurers. You'll see average condo insurance rates, for the recommended coverage of:
$60,000 in personal property coverage
$1,000 deductible
$300,000 liability coverage
Search:
State Average annual rate
Florida $1,467
Louisiana $860
Alabama $593
Texas $560
Mississippi $556
Oklahoma $555
Massachusetts $552
Tennessee $532
California $530
Arkansas $529
Michigan $514
Rhode Island $466
North Carolina $417
Maryland $408
South Carolina $399
Connecticut $396
Delaware $393
New Jersey $392
New York $380
Hawaii $378
West Virginia $366
Illinois $365
Nevada $359
Arizona $355
Pennsylvania $346
Georgia $341
Virginia $335
Alaska $334
DC $330
Missouri $329
New Mexico $320
Washington $319
Indiana $312
Kansas $310
New Hampshire $291
Colorado $290
Ohio $286
Idaho $277
South Dakota $275
Maine $275
Utah $269
Montana $267
Oregon $257
Kentucky $254
Minnesota $242
Nebraska $234
North Dakota $216
Wyoming $213
Wisconsin $209
Vermont $202
Iowa $200
*Methodology: Insurance.com commissioned Quadrant Information Systems to provide condo insurance rates for nearly every ZIP code in the country from up to six major insurers. The applicant profile is of a married, 35-year-old who has filed no claims in five years. Coverage includes dwelling coverage of $50,000, medical payments coverage of $5,000, contents replacement and loss of use.
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