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.
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Find cheap car insurance in 8 easy steps
By Michelle Megna Posted : December 18, 2017
Everybody wants cheaper car insurance, but how do you actually find it?
Compare car insurance quotes from multiple companies to find the best coverage and price. Focusing solely on the lowest insurance rates is a mistake if you go without the coverage you need, so you should understand how to compare car insurance before making a decision. The whole point of insurance is to stand between you and financial disaster.
However, with a little research, you should be able to find cheaper auto insurance without sacrificing important coverage.
Comparison shop
Bundle your auto and home insurance policies
Raise your deductible but keep it affordable
Ask for every discount that applies to you
Buy the right type of car
Keep a clean driving record
Don't buy unnecessary insurance coverage
Consider buying just the state-required minimum liability coverage
1. Comparison shop
Sometimes, you'll get the best deal with your current car insurance company. But in many other cases, the road to the cheapest car insurance policy will take you elsewhere.
In general, the more you pay for car insurance, the bigger the difference between insurance companies' rates. Every company calculates its own price, and they often differ by hundreds or even thousands of dollars.
Comparison shopping can help you uncover cheap car insurance companies and auto insurance discounts. How often should you compare car insurance quotes to find the lowest premiums? Experts generally suggest looking around at least once a year -- but certainly at these times, when your rates are most likely to change dramatically:
Purchasing a new or different car
Combining cars on a multi-car insurance policy
Adding or removing a driver
Marriage
Divorce
Moving
Adding a teen driver
Home purchase
DUI or major violation - review DUI insurance
Accident
Change in credit score
For more information, see "7 reasons your car insurance rates drop."
2. Bundle your policies
You already get cheaper rates if you are married or a homeowner because married people and homeowners tend to file fewer claims. But you can save even more by purchasing your home insurance and auto insurance policies from the same provider.
According to data gathered for Insurance.com by Quadrant Information Services, the nationwide average car insurance discount given for bundling home and auto insurance is 8 percent. By bundling renters and car insurance a discount also applies, with the nationwide average being around 5 percent. The nationwide average homeowners insurance discount given for bundling is 20 percent.
If you insure more than one car on your policy, you get a multi-car discount. Expect 10 to 25 percent savings off your collision, comprehensive and liability premiums.
3. Raise your deductible
Simply raising your deductible from $250 to $500 can lower the collision or comprehensive portion of your premium by about 20 percent, according to the Insurance Information Institute.
Remember, though, that a higher deductible means more money out of your pocket in the event of a claim. Cheap insurance can become expensive fast if you have to pay your deductible with a high-interest credit card. (See "How much can I save by raising deductibles?.")
4. Get all discounts for which you qualify
Is your daughter a straight-A student? You may qualify for cheaper car insurance by obtaining a good student discount. Does your car have anti-theft deterrents? Your insurer may give you a price break because the car is less vulnerable to theft.
Understand all the car insurance discounts you may qualify, so that you can get the cheapest insurance.
5. Buy the right type of car
If you're shopping for new wheels, your choice of automobile can play a big role in getting lower insurance rates. Cars that cost less to repair or replace generally receive lower premiums.
You'll also get better rates if your car has certain safety features. Insurance companies often give discounts for features such as anti-lock brakes, side airbags and automatic safety belts. Anti-collision technology is becoming popular in new vehicles; if your car is equipped with the new tech ask your agent if any discounts are available.
6. Avoid tickets and accidents
A poor driving history can easily disqualify you from getting the cheapest car insurance. Insurers will check your record to see if you present a high level of risk. Speeding tickets, accidents, drunk driving citations – all can drive your insurance rates higher.
Drive sensibly and cautiously and you'll be on the way to cheap car insurance by avoiding surcharges and receiving a good driver discount. (See "How much will a ticket affect my insurance rates?")
7. Don't carry unnecessary insurance coverage
If you have an old beater, reduce your car insurance costs by dropping comprehensive and collision coverage. When should you make this move toward cheaper auto insurance? Many experts say it's time to drop these coverages when the actual cash value you’d receive for your vehicle doesn’t justify the insurance expense. Insurance.com auto insurance coverage calculator>
Have an extra car in the household you can use if yours is in the shop due to an auto accident? If so, skip rental reimbursement coverage.
Also, don't pay extra for personal injury protection or medical payment insurance (if they aren’t required by your state) if your family already has a good health insurance plan.
8. Consider buying just the state-required minimum liability coverage
One way to get the cheapest car insurance available is to buy “bare bones” coverage, which typically is liability insurance at the lowest legal limits required by your state to legally drive a car. If you cause an accident, it pays for others’ property damage and medical bills and that’s it. It's important to remember that if you cause even a minor accident, minimum liability coverage probably won't be enough to pay for all the damage. That means you'll be paying out of your own pocket. Still, if you want to save money and your car is old or you don't drive much, it is one path to lower rates.
Liability limits are usually written like this: 30/60/25. In this example, using Texas minimum requirements, the numbers show coverage that would pay:
medical expenses of up to $30,000 per person
medical expenses up to $60,000 per accident
up to $25,000 for property damage
Here are average annual rates for the cheapest car insurance coverage in every state, according to a rate analysis by Quadrant Information Systems for Insurance.com.
Minimum car insurance rates by state
Search:
State Minimum car insurance requirements Minimum car insurance average rate
Alaska 50/100/25 $426
Alabama 25/50/25 $638
Arkansas 25/50/25 $616
Arizona 15/30/10 $600
California 15/30/5 $723
Colorado 25/50/15 $646
Connecticut 25/50/25 $1,097
DC 25/50/10 $1,054
Delaware 25/50/10 $1,520
Florida 10/20/10 $1,058
Georgia 25/50/25 $743
Hawaii 20/40/10 $386
Iowa 20/4015 $403
Idaho 25/50/15 $546
Illinois 25/50/20 $543
Indiana 25/50/10 (effective July 1, 2018: 25/50/25) $633
Kansas 25/50/25 $526
Kentucky 25/50/25 $607
Louisiana 15/30/25 $909
Massachusetts 20/40/5 $866
Maryland 30/60/15 $958
Maine 50/100/25 $513
Michigan 20/40/10 $2,446
Minnesota 30/60/10 $864
Missouri 25/50/10 $506
Mississippi 25/50/25 $639
Montana 25/50/20 $467
North Carolina 30/60/25 $385
North Dakota 25/50/10 $512
Nebraska 25/50/25 $472
New Hampshire 25/50/25* $587
New Jersey 15/30/5 $1,086
New Mexico 15/50/10 $612
Nevada 15/30/10 (effective July 1, 2018: 25/50/20) $641
New York 25/15/10 $891
Ohio 25/50/25 $579
Oklahoma 25/50/25 $712
Oregon 25/50/20 $1,007
Pennsylvania 15/30/5 $560
Rhode Island 25/50/25 $1,026
South Carolina 25/50/25 $654
South Dakota 25/50/25 $431
Tennessee 25/50/15 $656
Texas 30/60/25 $783
Utah 25/65/15 $629
Virginia 25/50/20 $536
Vermont 25/50/10 $487
Washington 25/50/10 $671
Wisconsin 25/50/10 $578
West Virginia 25/50/25 $669
Wyoming 25/50/20 $410
State
Alaska
Alabama
Arkansas
Arizona
California
Colorado
Connecticut
DC
Delaware
Florida
Georgia
Hawaii
Iowa
Idaho
Illinois
Indiana
Kansas
Kentucky
Louisiana
Massachusetts
Maryland
Maine
Michigan
Minnesota
Missouri
Mississippi
Montana
North Carolina
North Dakota
Nebraska
New Hampshire
New Jersey
New Mexico
Nevada
New York
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Virginia
Vermont
Washington
Wisconsin
West Virginia
Wyoming
Methodology: The table shows the average annual rate of 10 ZIP codes in the state for minimum coverage from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. In some states, uninsured motorist coverage and/or personal injury protection coverage is mandatory in addition to liability. For those states, these coverages are included in our average rate shown in the chart, though we list just the state minimum levels for liability. Data was provided for Insurance.com by Quadrant Information Services. New Hampshire doesn’t require drivers to have car insurance, but most drivers do, and we’ve listed what is mandated if you choose to carry coverage.
Watch for pitfalls in coverage
You can only go so far with discounts and comparison shopping. Some carriers can provide you a lower rate, but they do it by limiting coverage in ways you might regret in the event of an accident.
For example, some companies limit coverage of permissive drivers or don't cover them at all. That is, if you lend your car to a friend who has an accident, your liability limits might be reduced or the claim might not be honored. The same discount policies might not extend to a rental car, as standard policies do.
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