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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.








If you are unemployed or have low income, there may be several options to find health insurance that you can afford. Although there are several options available, by carefully reviewing your options and seeing what you may be eligible for, you might find a better deal with one of these options than another. The key to finding low-cost health care is taking the time to shop around for a good plan, which can be frustrating. Here is a list of 11 common places that a person may look to get low-cost health insurance if you are not working, have low income, work reduced hours or only part-time. 11 Options To Find Low-Cost Health Insurance With No Job or Low Income Many of these programs have eligibility requirements, but reading through the list will help you understand what options may be available. If you feel like you may be eligible for Medicare or Medicaid, you can also contact your State Health Insurance Assitance Program to have them help you understand the options better. 1. Medicaid: More People Now Qualify, Look Into This Health Insurance Option Since the Affordable Care Act, the number of people qualified to receive Medicaid increased dramatically, yet some people may not be aware. If you are unable to obtain coverage through a spouse, or family, then make sure you know about the changes to Medicaid for your state. The following people who were previously not covered may now be covered under the new law: anyone living below the poverty line may now qualify, including adults without children. There are also numerous exceptions, some of them allowing for income above the poverty line to qualify. Medicaid expansion is up to each individual state you can contact your state insurance commissioner to find out the specifics. There are also subsidies and various calculations that may make you eligible even if you think you are not. 2 . High Deductible Health Plans Getting a high deductible health plan is a smart way to maintain a low-cost health insurance plan. When combined with an HSA you can find ways to save money on your taxes, while saving money on a long term basis. earn more about the advantages and strategy behind high deductible health plans and having an HSA here. 3. Consolidated Omnibus Budget Reconciliation Act (COBRA) If you are not employed, have had your work hours cut, or you or have been laid off, you may be eligible to continue your (previous) employers' health insurance through COBRA. For students going to college, you also may be able to continue on your parent's health insurance coverage through COBRA. This is a good option for people who may have lost their job and are still undergoing medical treatments. If you were to switch to another insurance plan like a short-term plan (read more about this below), your current medical treatments may not qualify under the new health insurance plan. WARNING: This may not be the most affordable health insurance option. The premiums might be higher and you may be able to better afford another option first. It is best to gather all your available health insurance options and pick the best health insurance plan for your circumstance. Examples of eligibility for COBRA may include voluntary or involuntary job loss, having your hours cut, if you are transitioning between jobs, death or other changes in family situations like divorce. 4. Workers' Compensation Many people don't realize that they may be covered under their state's Workers' Compensation program. If you are being treated for any work-related injury, your employer must offer you treatment under their Workers' Compensation program. 5. Medicare Medicare is provided by the government and administered by the Social Security Administration. If you are 65 years old or older you could qualify for Medicare. You may also qualify if you are under 65 and getting Social Security disability benefits or have certain diseases. 6. The Health Insurance Marketplace The Affordable Care Act changed the opportunities that people with pre-existing conditions have. Marketplace plans cover treatment for pre-existing medical conditions, according to HealthCareGov.org: No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for pre-existing conditions. 7. Individual and Family Health Insurance You can get quotes from various health insurance companies and buy individual or family health insurance the same way you would by home or car insurance. These plans work similar to what an employer would offer their employees. 8. Short-Term Health Insurance Coverage Short-term health insurance coverage is a form of individual health insurance policy that only provides coverage for a very short length of time. People who need time to examine their individual and family health insurance choices but still would like to be minimally covered sometimes choose this option. Problems with Short-Term Health Insurance Plans Short-term health insurance plans do not meet the requirements of the ACA They do not usually cover pre-existing medical conditions They do not meet the requirements of covering the minimum essential coverage of the ACA Short-Term health plans do not renew, after the term, you must re-apply for coverage again. Short-term health plans do not allow you to receive a subsidy or tax credits like the ACA plans do. Short-Term health insurance plans are meant as a temporary solution when you can not find other major health care coverage or do not want major health coverage. Whenever possible it is better to find a long-term plan that meets the criteria of the ACA so that you do not have to keep worrying about finding temporary solutions. 9. Group Insurance From Organization Memberships This is often an overlooked source of affordable or low-cost health insurance. Some people are members of specific organizations that offer health insurance coverage. For example, people who are members of University Alumni Associations can obtain a variety of insurance choices. Although these organizations do not help pay the health insurance premiums like an employer would, the rates would be lower because of the group discount. Figure out what organizations you are a member of and see if they offer group health insurance. You could also research organizations that provide group health insurance and join those groups, or even ask current organizations you are a member with to offer group health insurance. They may not realize they could offer a plan to their members. More » 10. Group Health Expenses Sharing Plan/Health Care Sharing Ministry (HCSM) A health expenses sharing plan is not insurance but may be an option if you can find a reputable group that has been successfully doing this for a long time. A health expenses sharing plan is when a group of people pool their money together and pay each others' health expenses essentially self-insuring or functioning like their own "insurance company". The contributions are pooled together and usually invested in order to accrue interest on the pooled funds. It works well when the participants are only using the money for major medical expenses. A health care sharing ministry (HCSM) is when a group of people who share similar and sincerely held beliefs decide to create a health expenses sharing plan. An HCSM is a non-profit entity and not an insurance company. It is important to note that these plans may have limitations that you would not normally find in insurance company plans, such as restrictions on procedures the group finds morally objectionable. There are religious groups that use this model successfully. Examples of group expense sharing health plans are Medi-Share, and Samaritan Ministries among others. More » 11. Health Insurance Discount Cards health insurance discount cards allow the member to benefit from negotiated low-cost health services. This is not an insurance plan, but it is an option to explore if you have fully explored everything else, including Obamacare and the healthcare marketplace. With a health insurance discount card, you pay a small monthly fee for membership so that when you go to the doctor or hospital you will get a discounted rate on your services. Because it is not an insurance plan, you still end up paying all your medical costs, but you can get a discount. If you choose this option you should still be working towards getting health insurance in the future
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