‘Mahkamah Tolak Permohonan Azmi Untuk Penjara Kak Lina’- Elly Mazlein

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.

Sebelum ini, ramai yang mengetahui kisah persengketaan antara Elly Mazlein dan bekas suaminya, Azmi Hata yang dikatakan enggan membayar nafkah anaknya. How Financial Advisors Can Adjust to Robo-advisors By Leslie Kramer SHARE The growing popularity of online investment advice platforms, otherwise known in the industry as “robo-advisors," are keeping many a financial advisor on edge, wondering if they will slowly lose much of their business to an algorithm. Their fears, some say, are not well-founded. The wealth management business holds some $27 trillion in assets, but online advisory programs are already chipping away at that sum. These Web-based advisory services have, indeed, become increasingly appealing to investors who now believe that advice should come cheap or cheaper than what the wealth management industry has been selling it for, according to a recent report put out by the Fox Financial Planning Network. Online advisory firms typically work by asking new clients a series of questions about their finances, goals and tolerance for risk. Using computer models they are then able to recommend various investment choices that best suit that particular investor. The portfolios these programs suggest can also be automatically rebalanced for an extra fee extra. (For related reading, see: Why the Best Financial Advisor Might be You.) Adjusting to a Robo-advisor Reality Despite the ease and growing popularity of these online platforms, there are, however, still many steps that advisors can take to make sure they remain relevant to younger clients (who could eventually become older, wealthier clients). One sure fire way is for advisors to lower the fees they are charging for investment management services, and making up for the loss by increasing the fees they charge for other, more specialized services, such as tax advice and estate planning. That’s because online platforms charge just a fraction of the amount in fees that personal financial advisers do. In fact, the industry as a whole needs to become more transparent about pricing practices and get on board with lower fee schedules, according to the report. (For related reading, see: 7 Steps to Evaluate a Financial Advisor.) Traditional wealth management firms typically charge a fee equal to 1% of assets under management to manage a client's investments and advise on estate planning and other financial issues, such as insurance. Robo-advisors fees, by contrast, typically come in at about a third of that. So it’s a steep curve that wealth advisors must overcome. Another point on fees that advisors should remember is that the use of algorithmic models is not a new phenomenon in the wealth management industry. Advisors to high-net-worth clients can and should tout their use of specialized models, as well. Put Up a Robo-shield The advent of robo-advisors has also lead to a new industry term, “robo shield” that was coined by Deborah Fox, the founder of the Fox Financial Planning Network. It refers to the streamlining, staffing and practice management changes that firms should be implementing to protect their business from the competition that robo-advisers represent. One way Fox suggests that advisors can create such a shield is by upgrading their use of technology to be more effective and by creating operational efficiencies that will enhance client services. For instance, she recommends that advisors adopt technologies that offer online portals for clients to view their accounts at all times. Using these portals, advisors too will be able to keep an eye on client accounts and be able to alert those clients when changes in their portfolio may need to be addressed. (For more, see: How to Be a Top Financial Advisor.) If You Can’t Beat ‘Em, Join ‘Em Advisers should also consider striking up a relationship with an online adviser platform provider in order to offer “Tier 2” services to potential clients who are looking for advice, but who do not meet an advisory firm’s minimum asset requirements, such as the children of clients. Tim Welsh, president of adviser consultancy Nexus Strategy, which helped in the development of the Fox report, notes that by white-labeling a robo-adviser platform service, an advisor may be able to provide a lower-end offering to clients rather than having the platform provider give some of those services away for free. One such service is Jemstep Advisor Pro, which offers an automated client engagement, onboarding and service platform. Another is Charles Schwab's Institutional Intelligent Portfolios, which allows advisors to put their own brand on the digital platform. It features some 200 ETFs drawn from 28 asset classes, performance reporting, automated rebalancing, integration with Schwab's systems and tax loss harvesting for accounts over $50,000. That said, advisers would be wise to take their time in figuring out the best online services to team up with, as not all robo-advisors are created equal. To help find the best match, advisory firms should consult the Fox report, as it offers some guidance about which online firms may be the most amenable to teaming up with an advisor. Initiatives for Improving Your Business The Fox Planning Network report has also come up with a list of 20 “practice-changing” initiatives that advisors can adopt to better overcome the competition robo-advisers are presenting. Some of those practices include, systematizing and standardizing service pathways, automating workflow procedures, lowering asset under management fees, and adding an annual retainer. Other good ideas include embracing social media, becoming known for serving a niche, and creating a culture within the firm that always puts clients’ interests first. Another thought to keep in mind is that it’s actually a myth that high-net-worth advisors and online investment advisors are adversaries. The truth is that wealth managers and online service providers actually respect the quality of each other’s offerings. For the moment, robo-advisors are still unable to offer many of the services that human advisors can offer, such as significant tax, estate and insurance-planning services. So working together could be the ideal situation. The Threat is Real That said, a report from MyPrivateBanking notes that many traditional wealth management firms are still unprepared for the threats now being posed by robo-advisors. But the numbers don’t lie, and in fact, show that more and more assets are being eaten up by robo-advisors. According to the MyPrivateBanking report, the assets under management for all registered investment advisors are now at about $5 trillion, and robo-advisors now hold about $14 billion of those assets. Going forward, the industry could see an even greater amount of assets moving online, as lower account thresholds and the growing popularity of online platforms become more popular with today’s more technically advanced young professionals. (For related reading, see: Six Things Bad Financial Advisors Do.) Lower Your Investment Thresholds There is also an increasingly large amount of investors who actually prefer the use of technology or Web-based advisor programs, despite having sufficient enough assets to fall into the traditional high-net-worth client category. On the other hand, online platforms could well become a gateway for or “emerging affluent” investors who will likely move to wealth managers when they have more money to invest. That’s why wealth advisors may also want to consider opening up their advisory services to investors with less than their minimum investment threshold now, as a way to continue building their business. At the moment, the majority of the business going toward robo-advisors is still coming from those investors opening accounts in the $20,000 range. And while it's plausible that more clients with much larger wealth holdings may one day also move to the online model, if advisors can figure out better ways to serve them — by offering more specialized and nuanced approaches, they should be able to retain and continue to attract their typical clientele. It’s All About Relationships Other ways advisors my continue to attract clients is by unbundling services, reducing some of their fees, continuing to offer sophisticated tools and models, and meeting with clients face to face. One can never underestimate the value of building strong relationships, especially when an investor has a question about their portfolio or concerns about their financial future and wants it answered immediately; it’s a human advisor, not an online program that will be there for them. For more, see: Financial Advisors Need to Seek Out this Group NOW.) The Bottom Line If advisors want to guard their businesses against competition from robo-advisors they may need to reduce their fees, increase their use of technology and provide more specialized and personal services. They should also consider utilizing one of the automated advisors for advisors to supplement their services and gather clients who could be affluent in the future. (For more, see: Money Habits of the Millennials.) Read more: How Financial Advisors Can Adjust to Robo-advisors | Investopedia https://www.investopedia.com/articles/investing/110514/how-financial-advisors-can-adjust-roboadvisors.asp#ixzz5GWr7Gem4 Follow us: Investopedia on Facebook
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