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Cultural Exchange between /r/Lebanon and /r/berlin
Welcome to the Cultural Exchange between /Lebanon and /berlin/ Courtesy of our friends over at /berlin/ we are pleased to host our end of the cultural exchange between the two subreddits. The purpose of this event is to allow people from two different regions to get and share knowledge about their respective cultures, daily life, history and curiosities.
German friends will ask their questions about Lebanon on this thread itself.
English is generally recommended to be used to be used in both threads.
Event will be moderated, following the guidelines of Reddiquette and respective subreddit rules.
Quick introduction about Lebanon
Quick explanation of what is happening in Lebanon (Before the explosion): https://imgur.com/a/Ixo3v8S Introduction Lebanon is a tiny country in the middle east. It's bordered by Syria from the north and east, Israel from the south, and the Mediterranean Sea from the west. Syria has been in a deadly civil war since 2012. Lebanon and Israel are officially "at war" since the inception of Israel, though currently there isn't any war going on, and the last real war between the two countries happened in 2006 and lasted only 30 days. Lebanon went into a long and deadly civil war in the 70s and 80s. It only ended when the war lords sat together and decided that instead of attempting to kill each other, why not become rulers and split the gains. Thus from the early 90s until today Lebanon has been ruled by the same warlords that fought in the civil war. The speaker of the parliament never changed, not even once, and the rest of MPs and politicians just switched ministries and places every few years to present the image of democracy. Lebanon also has Hizbollah, an organization that is labeled as a terrorist organization by many countries. Hizbollah has more powerful intillegence and military than the Lebanese government itself. The organization has unobstructed powers, for example, it started the 2006 war with Israel without the acceptance of the official Lebanese government. Lebanese politicians save their billions and billions of dollars in savings in banks across Europe, mainly Switzerland. Lebanon doesn't have oil, nor a serious construction sector. Lebanon relies on the service sector and tourism to survive, both of which are almost nonexistent at this point. Lebanon has a huge crippling debt. Lebanon's capital, Beirut, was voted the most expensive city to live in in the middle east two years ago. Lebanon's passport is one of the worst passports in the world and doesn't allow you to visit any notable country without a visa. October 2019 - Political, COVID-19 and Economical Problems In October 2019, the government approved a law that would increase taxes, and tax the usage of Whatsapp. The Lebanese population attempted a peaceful revolution, the country effectively closed down from October until December. The revolution was successful in forcing the government to resign, but wasn't able to make the president, MPs or speaker of the parliament resign. Things went to shit after that, unofficial capital control started in October. The bank declared that people can't withdraw money from their savings or current accounts. People weren't allowed to transfer money outside Lebanon or use any credit or debit card internationally. The government started considering a haircut. The currency started to lose value rapidly. The official rate is currently 1$ = 1,515 LBP while the black market rate is 1$ = 8,500 LBP The money stuck in the bank is useless, almost frozen because it can't be withdrawn without losing ~65% of it's value and even then, in small quantities. Add to that COVID-19 is ripping the country. We're having exponential growth in the number of cases right now. The Explosion On August 4, 2020 multiple explosions occurred in Beirut Port that destroyed half the city, killed hundreds, with an additional large number of people missing, injured hundreds of thousands of people and made 300,000 people homeless. 80000 children displaced. The explosion was so big that it was heard and felt in Cyprus and Syria. There were reports of damages to properties from the explosions all over Lebanon, not just in Beirut. The explosion destroyed half of the city including busy hospitals, which ended up causing people to have to deliver or have critical operations using the flash light from the doctors' cellphones. The explosion killed several foreign nationals including French, German, Canadian, American, and Australian citizens. This post is made to raise awareness about what happened in Lebanon by sharing the videos of the incident. Please note that those videos are graphic as they show the moment the explosion happened. Donation Help Any kind of monetary donation will go a LONG way during these times. You can donate using your credit card, paypal account, bank transfer or bitcoin donation. You can find a list of verified and safe NGOs to donate to here: https://www.reddit.com/lebanon/comments/iaakslist_of_lebanese_ngos_that_are_verified_and_safe/ You can check out some of the videos here:
Lines of Navigation | Monthly Portfolio Update - July 202
Our little systems have their day; They have their day and cease to be - Tennyson, In Memoriam A.H.H. This is my forty-fourth portfolio update. I complete this update monthly to check my progress against my goal. Portfolio goal My objective is to reach a portfolio of $2 180 000 by 1 July 2021. This would produce a real annual income of about $87 000 (in 2020 dollars). This portfolio objective is based on an expected average real return of 3.99 per cent, or a nominal return of 6.49 per cent. Portfolio summary
Vanguard Lifestrategy High Growth Fund - $716 680
Vanguard Lifestrategy Growth Fund - $41 103
Vanguard Lifestrategy Balanced Fund - $77 788
Vanguard Diversified Bonds Fund - $111 667
Vanguard Australian Shares ETF (VAS) - $202 336
Vanguard International Shares ETF (VGS) - $54 872
Betashares Australia 200 ETF (A200) - $230 058
Telstra shares (TLS) -$1 785
Insurance Australia Group shares (IAG) - $6 449
NIB Holdings shares (NHF) - $5 316
Gold ETF (GOLD.ASX) - $124 756
Secured physical gold - $20 070
Ratesetter (P2P lending) - $9 881
Bitcoin - $173 010
Raiz app (Aggressive portfolio) - $17 258
Spaceship Voyager app (Index portfolio) -$2 619
BrickX (P2P rental real estate) - $4 471
Total portfolio value: $1 800 119 (+$34 376 or 1.9%) Asset allocation
Australian shares - 41.1%
Global shares- 22.2%
Emerging market shares - 2.2%
International small companies - 2.9%
Total international shares - 27.3%
Total shares - 68.4% (6.6% under)
Total property securities - 0.2% (0.2% over)
Australian bonds - 4.5%
International bonds - 9.1%
Total bonds - 13.6% (1.4% under)
Gold - 8.0%
Bitcoin - 9.6%
Gold and alternatives - 17.7% (7.7% over)
Presented visually, below is a high-level view of the current asset allocation of the portfolio. [Chart] Comments The portfolio has substantially increased this month, continuing the recovery in portfolio value since March. The strong portfolio growth of over $34 000, or 1.9 per cent, returns the value of the portfolio close to that achieved at the end of February this year. [Chart] This month there was minimal movement in the value of Australian and global equity holdings, There was, however, a significant lift of around 6 per cent in the value of gold exchange traded fund units, as well as a rise in the value of Bitcoin holdings. These movements have pushed the value of gold holdings to their highest level so far on the entire journey. Their total value has approximately doubled since the original major purchases across 2009 to 2015. For most of the past year gold has functioned as a portfolio stabiliser, having a negative correlation to movements in Australian equities (of around -0.3 to -0.4). As low and negative bond rates spread across the world, however, the opportunity cost of holding gold is reduced, and its potential diversification benefits loom larger. The fixed income holdings of the portfolio also continued to fall beneath the target allocation, making this question of what represents a defensive (or negatively correlated to equity) asset far from academic. This steady fall is a function of the slow maturing of Ratesetter loans, which were largely made between 2015 and 2017. Ratesetter has recently advised of important changes to its market operation, and placed a fixed maximum cap on new loan rates. By replacing market set rates with maximum rates, the peer-to-peer lending platform appears to be shifting to more of a 'intermediated' role in which higher past returns (of around 8 to 9 per cent) will now no longer be possible. [Chart] The expanding value of gold and Bitcoin holdings since January last year have actually had the practical effect of driving new investments into equities, since effectively for each dollar of appreciation, for example, my target allocation to equities rises by seven dollars. Consistent with this, investments this month have been in the Vanguard international shares exchange-traded fund (VGS) using Selfwealth. This has been directed to bring my actual asset allocation more closely in line with the target split between Australian and global shares. Fathoming out: franking credits and portfolio distributions Earlier last month I released a summary of portfolio income over the past half year. This, like all before it, noted that the summary was prepared on a purely 'cash' basis, reflecting dividends actually paid into a bank account, and excluding consideration of franking credits. Franking credits are credits for company tax paid at the company level, which can be passed to individual shareholders, reducing their personal tax liability. They are not cash, but for a personal investor with tax liabilities they can have equivalent value. This means that comparing equity returns to other investments without factoring these credits can produce a distorted picture of an investor's final after-tax return. In past portfolio summaries I have noted an estimate for franking credits in footnotes, but updating the value for this recently resulted in a curiosity about the overall significance of this neglected element of my equity returns. This neglect resulted from my perception earlier in the journey that they represented a marginal and abstract factor, which could effectively be assumed away for the sake of simplicity in reporting. This is not a wholly unfair view, in the sense that income physically received and able to be spent is something definably different in kind than a notional 'pre-payment' credit for future tax costs. Yet, as the saying goes, because the prospect of personal tax is as certain as extinction from this world, in some senses a credit of this kind can be as valuable as a cash distribution. Restoring the record: trends and drivers of franking credits To collect a more accurate picture of the trends and drivers of franking credits I relied on a few sources - tax statements, records and the automatic franking credit estimates that the portfolio tracking site Sharesight generates. The chart below sets out both the level and major different sources of franking credits received over the past eleven years. [Chart] From this chart some observations can be made.
The level of franking credits has grown substantially over the past ten years - from a total of under $1 000 per year to around $8 000 annually.
Recent years have seen a particularly high accrual of franking credits - such that by value, over half of the total value of franking credits has been received over the past three financial years.
These credits now constitute a significant element in total realised returns - in the last financial year the value of franking credits represented a 12 per cent boost to the total level of cash distributions, and over the past two years they have contributed around $8 000 each year to the total level of after-tax returns. This is the equivalent of the portfolio paying nearly $700 per month in tax liabilities.
The key reason for the rapid growth over the recent decade has been the increased investment holdings in Australian equities. As part of the deliberate rebalancing towards Australian shares across the past two years, these holdings have expanded. The chart below sets out the total value of Australian shares held over the comparable period. [Chart] As an example, at the beginning of this record Australian equities valued at around $276 000 were held. Three years later, the holding were nearly three times larger. The phase of consistently increasing the Australian equities holding to meet its allocated weighting is largely complete. This means that the period of rapid growth seen in the past few years is unlikely to repeat. Rather, growth will revert to be in proportion to total portfolio growth. Close to cross-over: the credit card records One of the most powerful initial motivators to reach financial independence was the concept of the 'cross over' point in Vicki Robins and Joe Dominguez's Your Money or Your Life. This was the point at which monthly expenses are exceeded by investment income. One of the metrics I have traced is this 'cross-over' point in relation to recorded credit card expenses. And this point is now close indeed. Expenditures on the credit card have continued their downward trajectory across the past month. The three year rolling average of monthly credit card spending remains at its lowest point over the period of the journey. Distributions on the same basis now meet over 99 per cent of card expenses - with the gap now the equivalent of less than $50 per month. [Chart] The period since April of the achievement of a notional and contingent form of financial independence has continued. The below chart illustrates this temporary state, setting out the the extent to which to which portfolio distributions (red) cover estimated total expenses (green), measured month to month. [Chart] An alternative way to view the same data is to examine the degree to which total expenses (i.e. fixed payments not made on credit card added to monthly credit card expenses) are met by distributions received. An updated version of this is seen in the chart below. [Chart] Interestingly, on a trend basis, this currently identifies a 'crossing over' point of trend distributions fully meeting total expenditure from around November 2019. This is not conclusive, however, as the trend curve is sensitive to the unusual COVID-19 related observations of the first half of this year, and could easily shift further downward if normal expense patterns resume. One issue this analysis raises is what to do with the 'credit card purchases' measure reported below. This measure is designed to provide a stylised benchmark of how close the current portfolio is to a target of generating the income required to meet an annual average credit card expenditure of $71 000. The problem with this is that continued falling credit card spending means that average credit card spending is lower than that benchmark for all time horizons - measured as three and four year averages, or in fact taken as a whole since 2013. So the set benchmark may, if anything, be understating actual progress compared the graphs and data above by not reflecting changing spending levels. In the past I have addressed this trend by reducing the benchmark. Over coming months, or perhaps at the end of the year, I will need to revisit both the meaning, and method, of setting this measure. Progress Progress against the objective, and the additional measures I have reached is set out below. Measure Portfolio All Assets Portfolio objective – $2 180 000 (or $87 000 pa) 82.6% 111.5% Credit card purchases – $71 000 pa 100.7% 136.0% Total expenses – $89 000 pa 80.7% 109.0% Summary One of the most challenging aspects of closing in on a fixed numerical target for financial independence with risk assets still in place is that the updrafts and downdrafts of market movements can push the goal further away, or surprisingly close. There have been long period of the journey where the total value of portfolio has barely grown, despite regular investments being made. As an example, the portfolio ended 2018 lower than it started the year. The past six months have been another such period. This can create a sense of treading water. Yet amidst the economic devastation affecting real lives and businesses, this is an extremely fortunate position to be in. Australia and the globe are set to experience an economic contraction far more severe than the Global Financial Crisis, with a lesser capacity than previously for interest rates to cushion the impact. Despite similar measures being adopted by governments to address the downturn, it is not clear whether these are fit for purpose. Asset allocation in this environment - of being almost suspended between two realities - is a difficult problem. The history of markets can tell us that just when assets seem most 'broken', they can produce outsized returns. Yet the problem remains that far from being surrounded by broken markets, the proliferation appears to be in bubble-like conditions. This recent podcast discussion with the founder of Grant's Interest Rate Observer provided a useful historical context to current financial conditions this month. One of the themes of the conversation was 'thinking the unthinkable', such as a return of inflation. Similar, this Hoover Institute video discussion, with a 'Back from the future' premise, provides some entertaining, informed and insightful views on the surprising and contingent nature of what we know to be true. Some of our little systems may well have had their day, but what could replace them remains obscured to any observer. The post, links and full charts can be seen here.
Testing the Tide | Monthly FIRE Portfolio Update - June 2020
We would rather be ruined than changed. -W H Auden, The Age of Anxiety This is my forty-third portfolio update. I complete this update monthly to check my progress against my goal. Portfolio goal My objective is to reach a portfolio of $2 180 000 by 1 July 2021. This would produce a real annual income of about $87 000 (in 2020 dollars). This portfolio objective is based on an expected average real return of 3.99 per cent, or a nominal return of 6.49 per cent. Portfolio summary Vanguard Lifestrategy High Growth Fund – $726 306 Vanguard Lifestrategy Growth Fund – $42 118 Vanguard Lifestrategy Balanced Fund – $78 730 Vanguard Diversified Bonds Fund – $111 691 Vanguard Australian Shares ETF (VAS) – $201 745 Vanguard International Shares ETF (VGS) – $39 357 Betashares Australia 200 ETF (A200) – $231 269 Telstra shares (TLS) – $1 668 Insurance Australia Group shares (IAG) – $7 310 NIB Holdings shares (NHF) – $5 532 Gold ETF (GOLD.ASX) – $117 757 Secured physical gold – $18 913 Ratesetter (P2P lending) – $10 479 Bitcoin – $148 990 Raiz app (Aggressive portfolio) – $16 841 Spaceship Voyager app (Index portfolio) – $2 553 BrickX (P2P rental real estate) – $4 484 Total portfolio value: $1 765 743 (+$8 485 or 0.5%) Asset allocation Australian shares – 42.2% (2.8% under) Global shares – 22.0% Emerging markets shares – 2.3% International small companies – 3.0% Total international shares – 27.3% (2.7% under) Total shares – 69.5% (5.5% under) Total property securities – 0.3% (0.3% over) Australian bonds – 4.7% International bonds – 9.4% Total bonds – 14.0% (1.0% under) Gold – 7.7% Bitcoin – 8.4% Gold and alternatives – 16.2% (6.2% over) Presented visually, below is a high-level view of the current asset allocation of the portfolio. [Chart] Comments The overall portfolio increased slightly over the month. This has continued to move the portfolio beyond the lows seen in late March. The modest portfolio growth of $8 000, or 0.5 per cent, maintains its value at around that achieved at the beginning of the year. [Chart] The limited growth this month largely reflects an increase in the value of my current equity holdings, in VAS and A200 and the Vanguard retail funds. This has outweighed a small decline in the value of Bitcoin and global shares. The value of the bond holdings also increased modestly, pushing them to their highest value since around early 2017. [Chart] There still appears to be an air of unreality around recent asset price increases and the broader economic context. Britain's Bank of England has on some indicators shown that the aftermath of the pandemic and lockdown represent the most challenging financial crisis in around 300 years. What is clear is that investor perceptions and fear around the coronavirus pandemic are a substantial ongoing force driving volatility in equity markets (pdf). A somewhat optimistic view is provided here that the recovery could look more like the recovery from a natural disaster, rather than a traditional recession. Yet there are few certainties on offer. Negative oil prices, and effective offers by US equity investors to bail out Hertz creditors at no cost appear to be signs of a financial system under significant strains. As this Reserve Bank article highlights, while some Australian households are well-placed to weather the storm ahead, the timing and severity of what lays ahead is an important unknown that will itself feed into changes in household wealth from here. Investments this month have been exclusively in the Australian shares exchange-traded fund (VAS) using Selfwealth.* This has been to bring my actual asset allocation more closely in line with the target split between Australian and global shares. A moving azimuth: falling spending continues Monthly expenses on the credit card have continued their downward trajectory across the past month. [Chart] The rolling average of monthly credit card spending is now at its lowest point over the period of the journey. This is despite the end of lockdown, and a slow resumption of some more normal aspects of spending. This has continued the brief period since April of the achievement of a notional and contingent kind of financial independence. The below chart illustrates this temporary state, setting out the degree to which portfolio distributions cover estimated total expenses, measured month to month. [Chart] There are two sources of volatility underlying its movement. The first is the level of expenses, which can vary, and the second is the fact that it is based on financial year distributions, which are themselves volatile. Importantly, the distributions over the last twelve months of this chart is only an estimate - and hence the next few weeks will affect the precision of this analysis across its last 12 observations. Estimating 2019-20 financial year portfolio distributions Since the beginning of the journey, this time of year usually has sense of waiting for events to unfold - in particular, finding out the level of half-year distributions to June. These represent the bulk of distributions, usually averaging 60-65 per cent of total distributions received. They are an important and tangible signpost of progress on the financial independence journey. This is no simple task, as distributions have varied in size considerably. A part of this variation has been the important role of sometimes large and lumpy capital distributions - which have made up between 30 to 48 per cent of total distributions in recent years, and an average of around 15 per cent across the last two decades. I have experimented with many different approaches, most of which have relied on averaging over multi-year periods to even out the 'peaks and troughs' of how market movements may have affected distributions. The main approaches have been:
An 'adjusted income' approach - stripping out the capital gains components of Vanguard funds to reach an estimate of underlying income generation, both across the entire investment period, and during the sharpest low of the Global Financial Crisis
A long-term asset class approach - relying on long-term historical data on averages of the income produced by various asset classes
A 'tax method' approach - this derives an income estimate as a percentage of the portfolio by drawing on taxable investment income totals from tax return records
Simple historical rolling average - this is a rolling three-year measure, based on the actual distributions record of the portfolio
Average distribution rate approach - this method uses a long-term average of annual distributions received as a percentage of the total portfolio since 1999
Each of these have their particular simplifications, advantages and drawbacks. Developing new navigation tools Over the past month I have also developed more fully an alternate 'model' for estimating returns. This simply derives a median value across a set of historical 'cents per unit' distribution data for June and December payouts for the Vanguard funds and exchange traded funds. These make up over 96 per cent of income producing portfolio assets. In other words, this model essentially assumes that each Vanguard fund and ETF owned pays out the 'average' level of distributions this half-year, with the average being based on distribution records that typically go back between 5 to 10 years. Mapping the distribution estimates The chart below sets out the estimate produced by each approach for the June distributions that are to come. [Chart] Some observations on these findings can be made. The lowest estimate is the 'adjusted GFC income' observation, which essentially assumes that the income for this period is as low as experienced by the equity and bond portfolio during the Global Financial Crisis. Just due to timing differences of the period observed, this seems to be a 'worst case' lower bound estimate, which I do not currently place significant weight on. Similarly, at the highest end, the 'average distribution rate' approach simply assumes June distributions deliver a distribution equal to the median that the entire portfolio has delivered since 1999. With higher interest rates, and larger fixed income holdings across much of that time, this seems an objectively unlikely outcome. Similarly, the delivery of exactly the income suggested by long-term averages measured across decades and even centuries would be a matter of chance, rather than the basis for rational expectations. Central estimates of the line of position This leaves the estimates towards the centre of the chart - estimates of between around $28 000 to $43 000 as representing the more likely range. I attach less weight to the historical three-year average due to the high contribution of distributed capital gains over that period of growth, where at least across equities some capital losses are likely to be in greater presence. My preferred central estimate is the model estimate (green) , as it is based in historical data directly from the investment vehicles rather than my own evolving portfolio. The data it is based on in some cases goes back to the Global Financial Crisis. This estimate is also quite close to the raw average of all the alternative approaches (red). It sits a little above the 'adjusted income' measure. None of these estimates, it should be noted, contain any explicit adjustment for the earnings and dividend reductions or delays arising from COVID-19. They may, therefore represent a modest over-estimate for likely June distributions, to the extent that these effects are more negative than those experienced on average across the period of the underlying data. These are difficult to estimate, but dividend reductions could easily be in the order of 20-30 per cent, plausibly lowering distributions to the $23 000 to $27 000 range. The recently announced forecast dividend for the Vanguard Australian Shares ETF (VAS) is, for example, the lowest in four years. As seen from chart above, there is a wide band of estimates, which grow wider still should capital gains be unexpectedly distributed from the Vanguard retail funds. These have represented a source of considerable volatility. Given this, it may seem fruitless to seek to estimate these forthcoming distributions, compared to just waiting for them to arrive. Yet this exercise helps by setting out reasoning and positions, before hindsight bias urgently arrives to inform me that I knew the right answer all along. It also potentially helps clearly 'reject' some models over time, if the predictions they make prove to be systematically incorrect. Progress Progress against the objective, and the additional measures I have reached is set out below. Measure Portfolio All Assets Portfolio objective – $2 180 000 (or $87 000 pa) 81.0% 109.4% Credit card purchases – $71 000 pa 98.8% 133.5% Total expenses – $89 000 pa 79.2% 106.9% Summary The current coronavirus conditions are affecting all aspects of the journey to financial independence - changing spending habits, leading to volatility in equity markets and sequencing risks, and perhaps dramatically altering the expected pattern of portfolio distributions. Although history can provide some guidance, there is simply no definitive way to know whether any or all of these changes will be fundamental and permanent alterations, or simply data points on a post-natural disaster path to a different post-pandemic set of conditions. There is the temptation to fit past crises imperfectly into the modern picture, as this Of Dollars and Data post illustrates well. Taking a longer 100 year view, this piece 'The Allegory of the Hawk and Serpent' is a reminder that our entire set of received truths about constructing a portfolio to survive for the long-term can be a product of a sample size of one - actual past history - and subject to recency bias. This month has felt like one of quiet routines, muted events compared to the past few months, and waiting to understand more fully the shape of the new. Nonetheless, with each new investment, or week of lower expenditure than implied in my FI target, the nature of the journey is incrementally changing - beneath the surface. Small milestones are being passed - such as over 40 per cent of my equity holdings being outside of the the Vanguard retail funds. Or these these retail funds - which once formed over 95 per cent of the portfolio - now making up less than half. With a significant part of the financial independence journey being about repeated small actions producing outsized results with time, the issue of maintaining good routines while exploring beneficial changes is real. Adding to the complexity is that embarking on the financial journey itself is likely to change who one is. This idea, of the difficulty or impossibility of knowing the preferences of a future self, is explored in a fascinating way in this Econtalk podcast episode with a philosophical thought experiment about vampires. It poses the question: perhaps we can never know ourselves at the destination? And yet, who would rationally choose ruin over any change? The post, links and full charts can be seen here.
City Cultural Exchange: This Friday August 21 at 19:00 we'll have our first cultural exchange with another city/country on reddit, this one will be with /r/Lebanon - at the same time it's a way to show our support for another capital going through an extremely hard time!
Hope you’re all as well as you can be in the End Corona Times, the mods of /Berlin were thinking for a while of starting a city cultural exchange program on reddit. It will work just like the country cultural exchanges, except with a focus on city cultural. This sort of cultural exchange would give us an opportunity to meet the culture of other cities through reddit! I’ll try to organize this on a semi-regular basis, I hope it’ll be fun and informative for all. If you have any questions or suggestions, comment below!
The first city will be Beirut, Lebanon.
We thought that perhaps we could also do some good with this as well and asked the moderators of /Lebanon if they would want to be our first cultural exchange, representing Beirut. We also asked if they could recommend any charities and NGOs to donate to and they sent us an explanation with a list of organizations that they trust. If you have any other way of helping the people of Beirut, share it with us, they need all the help they can get.
The date and time of this event is Friday August 21th, 2020 at 19:00 Berlin-time.
The event will be stickied on /berlin on Friday and I’ll edit this post to include a link to it here: (Future Link) Without further ado, this is a little introduction from the moderators of /Lebanon in preparation for the event about Lebanon and what is going on: There is an important link in the introduction to another reddit post where they list out the NGOs and charities that are safe to donate to. They took a lot of time researching and even calling some of these organizations to make sure the donations get to the places they are needed. --- Quick explanation of what is happening in Lebanon (Before the explosion): https://imgur.com/a/Ixo3v8S
Lebanon is a tiny country in the middle east. It's bordered by Syria from the north and east, Israel from the south, and the Mediterranean Sea from the west. Syria has been in a deadly civil war since 2012. Lebanon went into a long and deadly civil war in the 70s and 80s. It only ended when the war lords sat together and decided that instead of attempting to kill each other, why not become rulers and split the gains. Thus from the early 90s until today Lebanon has been ruled by the same warlords that fought in the civil war. The speaker of the parliament never changed, not even once, and the rest of MPs and politicians just switched ministries and places every few years to present the image of democracy. Lebanon also has Hizbollah, an organization that is labelled as a terrorist organization by many countries. Hizbollah has more powerful intelligence and military than the Lebanese government itself. The organization has unobstructed powers, for example, it started the 2006 war with Israel without the acceptance of the official Lebanese government. Lebanese politicians save their billions and billions of dollars in savings in banks across Europe, mainly Switzerland. Lebanon doesn't have oil, nor a serious construction sector. Lebanon relies on the service sector and tourism to survive, both of which are almost non-existent at this point. Lebanon has a huge crippling debt. Lebanon's capital, Beirut, was voted the most expensive city to live in in the middle east two years ago. Lebanon's passport is one of the worst passports in the world and doesn't allow you to visit any notable country without a visa.
October 2019 - Political, COVID-19 and Economical Problems
In October 2019, the government approved a law that would increase taxes, and tax the usage of Whatsapp. The Lebanese population attempted a peaceful revolution, the country effectively closed down from October until December. The revolution was successful in forcing the government to resign, but wasn't able to make the president, MPs or speaker of the parliament resign. Things went to shit after that, unofficial capital control started in October. The bank declared that people can't withdraw money from their savings or current accounts. People weren't allowed to transfer money outside Lebanon or use any credit or debit card internationally. The government started considering a haircut. The currency started to lose value rapidly. The official rate is currently 1$ = 1,515 LBP while the black market rate is 1$ = 8,500 LBP The money stuck in the bank is useless, almost frozen because it can't be withdrawn without losing ~65% of it's value and even then, in small quantities. Add to that COVID-19 is ripping the country. We're having exponential growth in the number of cases right now.
On August 4, 2020 multiple explosions occurred in Beirut Port that destroyed half the city, killed hundreds, with an additional large number of people missing, injured hundreds of thousands of people and made 300,000 people homeless. 80000 children displaced. The explosion was so big that it was heard and felt in Cyprus and Syria. There were reports of damages to properties from the explosions all over Lebanon, not just in Beirut. The explosion destroyed half of the city including busy hospitals, which ended up causing people to have to deliver or have critical operations using the flash light from the doctors' cellphones. The explosion killed several foreign nationals including French, German, Canadian, American, and Australian citizens. LINK This post is made to raise awareness about what happened in Lebanon by sharing the videos of the incident. Please note that those videos are graphic as they show the moment the explosion happened.
Any kind of monetary donation will go a LONG way during these times. You can donate using your credit card, paypal account, bank transfer or bitcoin donation.
Two Roads Diverge | Monthly FIRE Portfolio Update - May 2020
Two roads diverged in a yellow wood, And sorry I could not travel both And be one traveler, long I stood And looked down one as far as I could To where it bent in the undergrowth Robert Frost, The Road Not Taken This is my forty-second portfolio update. I complete this update monthly to check my progress against my goal. Portfolio goal My objective is to reach a portfolio of $2 180 000 by 1 July 2021. This would produce a real annual income of about $87 000 (in 2020 dollars). This portfolio objective is based on an expected average real return of 3.99 per cent, or a nominal return of 6.49 per cent. Portfolio summary Vanguard Lifestrategy High Growth Fund – $727 917 Vanguard Lifestrategy Growth Fund – $42 128 Vanguard Lifestrategy Balanced Fund – $78 569 Vanguard Diversified Bonds Fund – $110 009 Vanguard Australian Shares ETF (VAS) – $187 003 Vanguard International Shares ETF (VGS) – $39 987 Betashares Australia 200 ETF (A200) – $225 540 Telstra shares (TLS) – $1 726 Insurance Australia Group shares (IAG) – $7 741 NIB Holdings shares (NHF) – $5 652 Gold ETF (GOLD.ASX) – $117 714 Secured physical gold – $18 982 Ratesetter (P2P lending) – $11 395 Bitcoin – $159 470 Raiz app (Aggressive portfolio) – $16 357 Spaceship Voyager app (Index portfolio) – $2 492 BrickX (P2P rental real estate) – $4 477 Total portfolio value: $1 757 159 (+$62 325 or 3.7%) Asset allocation Australian shares – 41.4% (3.6% under) Global shares – 22.2% Emerging markets shares – 2.3% International small companies – 3.0% Total international shares – 27.4% (2.6% under) Total shares – 68.8% (6.2% under) Total property securities – 0.3% (0.3% over) Australian bonds – 4.4% International bonds – 9.7% Total bonds – 14.1% (0.9% under) Gold – 7.8% Bitcoin – 9.1% Gold and alternatives – 16.9% (6.9% over) Presented visually, below is a high-level view of the current asset allocation of the portfolio. [Chart] Comments This month featured a further recovery in the overall portfolio, continuing to effectively reduce the size of the large losses across the first quarter. The portfolio has increased by around $62 000, leading to a portfolio growth of 3.7 per cent. This means that around half of the large recent falls have been made up, and the portfolio sits around levels last reached in October of last year. [Chart] Leading the portfolio growth has been increases in Australian shares - particularly those held through the Betashares A200 and Vanguard VAS exchange traded funds, with both gaining over four per cent. Most other holdings remained steady, or fell slightly. Markets appear to be almost entirely disconnected from the daily announcements of the sharp effects of the global coronavirus pandemic and the resulting restrictions. Bond and equity markets seem to have different and competing expectations for the future, and equity markets - at best - are apparently intent on looking through the immediate recovery phase to a new period of strong expansion. [Chart] On some metrics, both major global and Australian equity markets can be viewed as quite expensive, especially as reduced dividends announced have largely yet to be delivered. Yet if historically low bond yields are considered, it can be argued that some heightening compared to historical equity market valuations may be sustainable. Reflecting this moment of markets holding their breath before one of two possible futures plays out, gold and Bitcoin remain elevated, and consequently above their target weightings. Perhaps the same contending forces are in evidence in a recent Australian Securities and Investment Commission study (pdf) which has found that average Australian retail investors have reacted to uncertainty by activating old brokerage accounts, trading more frequently, and holding securities for shorter periods. My own market activity has been limited to purchases of Vanguard Australian shares ETF (VAS) and the international share ETF (VGS), to bring the portfolio closer to its target allocations. Will Australia continue to be lucky through global slow downs? Despite this burst of market activity in the retail market, it is unclear how Australian markets and equities will perform against the background of a global economic slowdown. A frequently heard argument is that a small open trade exposed commodities provider such as Australia, with a more narrowly-based economy, may perform poorly in a phase of heightened risk. This recent Bank of England paper (pdf) makes the intriguing suggestion that this argument is not borne out by the historical record. In fact, the paper finds that industrial production in Australia, China and a mere handful of other economies has tended to increase following global risk shocks. A question remaining, however, is whether the recovery from this 'risk shock' may have different characteristics and impacts than similar past events. One key question may be the exact form of government fiscal and monetary responses adopted. Another is whether inflation or deflation is the likely pathway - an unknown which itself may rely on whether long-term trends in the velocity of money supply continue, or are broken. Facing all uncertainties, attention should be on tail risks - and minimising the odds of extreme negative scenarios. The case for this is laid out in this moving reflection by Morgan Housel. For this reason, I am satisfied that my Ratesetter Peer-to-Peer loans have been gradually maturing, reducing some 'tail risk' credit exposures in what could be a testing phase for borrowers through new non-bank lending channels in Australia. With accrued interest of over $13 000, at rates of around 9 per cent on average, over the five years of the investment, the loans have performed relatively well. A temporary sheltering port - spending continues to decline This month spending has continued to fall even as lockdown and other restrictions have slowly begun to ease. These extraordinary events have pushed even the smoothed average of three year expenditure down. [Chart] On a monthly basis credit card spending and total expenses have hit the lowest levels in more than six years. Apparently, average savings rates are up across many economies, though obviously individual experiences and starting points can differ dramatically. Total estimated monthly expenditure has also fallen below current estimates of distributions for the first time since a period of exceptionally high distributions across financial year 2017-18. The result of this is that I am briefly and surprisingly, for this month, notionally financially independent based on assumed distributions from the FIRE portfolio alone - at least until more normal patterns of expenditure are resumed. Following the lines of drift - a longer view on progress made Yet taking a longer view - and accounting for the final portfolio goal set - gives a different perspective. This is of a journey reaching toward, but not at, an end. The chart below traces in purely nominal dollar terms the progress of the total portfolio value as a percentage of the current portfolio goal of $2.18 million over the last 13 years. It also shows three labels, with the percentage progress at the inception of detailed portfolio data in 2007, at the start of this written record in January 2017, and as at January 1 of this year. [Chart] Two trend lines are shown - one a polynomial and the other exponential function - and they are extended to include a projection of future progress out to around 18 months. The line of fit is close for the early part of the journey, but larger divergences from both trend lines are evident in the past two years as the impact of variable investment returns on a larger portfolio takes hold. There are some modest inaccuracies introduced by the nominal methodology adopted - such as somewhat discounting early progress. A 2007 dollar had greater 'real' value and significance than is assigned to it by this representation. The chart does demonstrate, however, the approximate shape and length of the early journey - with it taking around 5 years to reach 20 per cent of the target, and 10 years to reach around half way. Progress Progress against the objective, and the additional measures I have reached is set out below. Measure Portfolio All Assets Portfolio objective – $2 180 000 (or $87 000 pa) 80.6% 108.4% Credit card purchases – $71 000 pa 98.3% 132.3% Total expenses – $89 000 pa 78.8% 106.0% Summary With aspects of daily life slowly and incrementally adjusting to a 'new normal', the longer-term question for the portfolio remains around how markets and government actions interact in a recovery phase. The progress of the portfolio over the past 13 years has seemed, when viewed from afar as in chart above, predictable, and almost inevitable. Through the years it has felt anything but so smoothly linear. Rather, tides and waves have pushed and pulled, in turn stalling progress, or pushing it further ahead than hopes have dared. It is possible that what lays ahead is a simple 'return leg', or more of the same. That through simple extrapolation around 80 per cent of the challenges already lay behind. Yet that is not the set of mind that I approach the remainder of the journey with. Rather, the shortness of the distance to travel has lent an extra focus on those larger, lower probability, events that could delay the journey or push it off-course. Those 'third' risks types of tail risks which Morgan Housel points out. In one sense the portfolio allocation aims to deal - in a probabilistic way - with the multiple futures that could occur. Viewed in this way, a gold allocation (and also Bitcoin) represents a long option on an extreme state of the economic world arising - as it did in the early 1980s. The 75 per cent target allocation to equities can be viewed as a high level of assurance around a 'base case' that human ingenuity and innovation will continue to create value over the long term. The bond portfolio, similarly, can be seen as assigning a 15 per cent probability that both of these hypotheses are incorrect, and that further market falls and possible deflation are ahead. That perhaps even an experience akin to the lengthy, socially dislocating, post-bubble phase in Japan presided over by its central bank lays in store. In other interesting media consumed this month, 'Fire and Chill', the brand new podcast collaboration between Pat the Shuffler and Strong Money Australia got off to an enjoyable start, tackling 'Why Bother with FIRE' and other topics. Additionally, investment company Incrementum has just published the latest In Gold We Trust report, which gives an arrestingly different perspective on potential market and policy directions from traditional financial sources. The detailed report questions the role and effectiveness of traditionally 'risk-free' assets like government bonds in the types of futures that could emerge. On first reading, the scenarios it contains appear atypical and beyond the reasonable contemplation of many investors - until it is recalled that up to a few years ago no mainstream economics textbook would have entertained the potential for persistent negative interest rates. As the paths to different futures diverge, drawing on the wisdom of others to help look as far as possible into the bends in the undergrowth ahead becomes the safest choice. The post, links and full charts can be seen here.
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Which are your Top 5 favourite coins out of the Top 100? An analysis.
I am putting together my investment portfolio for 2018 and made a complete summary of the current Top 100. Interestingly, I noticed that all coins can be categorized into 12 markets. Which markets do you think will play the biggest role in the coming year? Here is a complete overview of all coins in an excel sheet including name, market, TPS, risk profile, time since launch (negative numbers mean that they are launching that many months in the future) and market cap. You can also sort by all of these fields of course. Coins written in bold are the strongest contenders within their market either due to having the best technology or having a small market cap and still excellent technology and potential. https://docs.google.com/spreadsheets/d/1s8PHcNvvjuy848q18py_CGcu8elRGQAUIf86EYh4QZo/edit#gid=0 The 12 markets are
Currency 13 coins
Platform 25 coins
Ecosystem 9 coins
Privacy 10 coins
Currency Exchange Tool 8 coins
Gaming & Gambling 5 coins
Misc 15 coins
Social Network 4 coins
Fee Token 3 coins
Decentralized Data Storage 4 coins
Cloud Computing 3 coins
Stable Coin 2 coins
Before we look at the individual markets, we need to take a look of the overall market and its biggest issue scalability first: Cryptocurrencies aim to be a decentralized currency that can be used worldwide. Its goal is to replace dollar, Euro, Yen, all FIAT currencies worldwide. The coin that will achieve that will be worth several trillion dollars. Bitcoin can only process 7 transactions per second (TPS). In order to replace all FIAT, it would need to perform at at least VISA levels, which usually processes around 3,000 TPS, up to 25,000 TPS during peak times and a maximum of 64,000 TPS. That means that this cryptocurrency would need to be able to perform at least several thousand TPS. However, a ground breaking technology should not look at current technology to set a goal for its use, i.e. estimating the number of emails sent in 1990 based on the number of faxes sent wasn’t a good estimate. For that reason, 10,000 TPS is the absolute baseline for a cryptocurrency that wants to replace FIAT. This brings me to IOTA, which wants to connect all 80 billion IoT devices that are expected to exist by 2025, which constantly communicate with each other, creating 80 billion or more transactions per second. This is the benchmark that cryptocurrencies should be aiming for. Currently, 8 billion devices are connected to the Internet. With its Lightning network recently launched, Bitcoin is realistically looking at 50,000 possible soon. Other notable cryptocurrencies besides IOTA and Bitcoin are Nano with 7,000 TPS already tested, Dash with several billion TPS possible with Masternodes, Neo, LISK and RHOC with 100,000 TPS by 2020, Ripple with 50,000 TPS, Ethereum with 10,000 with Sharding. However, it needs to be said that scalability usually goes at the cost of decentralization and security. So, it needs to be seen, which of these technologies can prove itself resilient and performant. Without further ado, here are the coins of the first market
Market 1 - Currency:
Bitcoin: 1st generation blockchain with currently bad scalability currently, though the implementation of the Lightning Network looks promising and could alleviate most scalability concerns, scalability and high energy use.
Ripple: Centralized currency that might become very successful due to tight involvement with banks and cross-border payments for financial institutions; banks and companies like Western Union and Moneygram (who they are currently working with) as customers customers. However, it seems they are aiming for more decentralization now.https://ripple.com/dev-blog/decentralization-strategy-update/. Has high TPS due to Proof of Correctness algorithm.
Bitcoin Cash: Bitcoin fork with the difference of having an 8 times bigger block size, making it 8 times more scalable than Bitcoin currently. Further block size increases are planned. Only significant difference is bigger block size while big blocks lead to further problems that don't seem to do well beyond a few thousand TPS. Opponents to a block size argue that increasing the block size limit is unimaginative, offers only temporary relief, and damages decentralization by increasing costs of participation. In order to preserve decentralization, system requirements to participate should be kept low. To understand this, consider an extreme example: very big blocks (1GB+) would require data center level resources to validate the blockchain. This would preclude all but the wealthiest individuals from participating.Community seems more open than Bitcoin's though.
Litecoin : Little brother of Bitcoin. Bitcoin fork with different mining algorithm but not much else.Copies everything that Bitcoin does pretty much. Lack of real innovation.
Dash: Dash (Digital Cash) is a fork of Bitcoin and focuses on user ease. It has very fast transactions within seconds, low fees and uses Proof of Service from Masternodes for consensus. They are currently building a system called Evolution which will allow users to send money using usernames and merchants will find it easy to integrate Dash using the API. You could say Dash is trying to be a PayPal of cryptocurrencies. Currently, cryptocurrencies must choose between decentralization, speed, scalability and can pick only 2. With Masternodes, Dash picked speed and scalability at some cost of decentralization, since with Masternodes the voting power is shifted towards Masternodes, which are run by Dash users who own the most Dash.
IOTA: 3rd generation blockchain called Tangle, which has a high scalability, no fees and instant transactions. IOTA aims to be the connective layer between all 80 billion IOT devices that are expected to be connected to the Internet in 2025, possibly creating 80 billion transactions per second or 800 billion TPS, who knows. However, it needs to be seen if the Tangle can keep up with this scalability and iron out its security issues that have not yet been completely resolved.
Nano: 3rd generation blockchain called Block Lattice with high scalability, no fees and instant transactions. Unlike IOTA, Nano only wants to be a payment processor and nothing else, for now at least. With Nano, every user has their own blockchain and has to perform a small amount of computing for each transaction, which makes Nano perform at 300 TPS with no problems and 7,000 TPS have also been tested successfully. Very promising 3rd gen technology and strong focus on only being the fastest currency without trying to be everything.
Decred: As mining operations have grown, Bitcoin’s decision-making process has become more centralized, with the largest mining companies holding large amounts of power over the Bitcoin improvement process. Decred focuses heavily on decentralization with their PoW Pos hybrid governance system to become what Bitcoin was set out to be. They will soon implement the Lightning Network to scale up. While there do not seem to be more differences to Bitcoin besides the novel hybrid consensus algorithm, which Ethereum, Aeternity and Bitcoin Atom are also implementing, the welcoming and positive Decred community and professoinal team add another level of potential to the coin.
Aeternity: We’ve seen recently, that it’s difficult to scale the execution of smart contracts on the blockchain. Crypto Kitties is a great example. Something as simple as creating and trading unique assets on Ethereum bogged the network down when transaction volume soared. Ethereum and Zilliqa address this problem with Sharding. Aeternity focuses on increasing the scalability of smart contracts and dapps by moving smart contracts off-chain. Instead of running on the blockchain, smart contracts on Aeternity run in private state channels between the parties involved in the contracts. State channels are lines of communication between parties in a smart contract. They don’t touch the blockchain unless they need to for adjudication or transfer of value. Because they’re off-chain, state channel contracts can operate much more efficiently. They don’t need to pay the network for every time they compute and can also operate with greater privacy. An important aspect of smart contract and dapp development is access to outside data sources. This could mean checking the weather in London, score of a football game, or price of gold. Oracles provide access to data hosted outside the blockchain. In many blockchain projects, oracles represent a security risk and potential point of failure, since they tend to be singular, centralized data streams. Aeternity proposes decentralizing oracles with their oracle machine. Doing so would make outside data immutable and unchangeable once it reaches Aeternity’s blockchain. Of course, the data source could still be hacked, so Aeternity implements a prediction market where users can bet on the accuracy and honesty of incoming data from various oracles.It also uses prediction markets for various voting and verification purposes within the platform. Aeternity’s network runs on on a hybrid of proof of work and proof of stake. Founded by a long-time crypto-enthusiast and early colleague of Vitalik Buterin, Yanislav Malahov. Promising concept though not product yet
Bitcoin Atom: Atomic Swaps and hybrid consenus. This looks like the only Bitcoin clone that actually is looking to innovate next to Bitcoin Cash.
Dogecoin: Litecoin fork, fantastic community, though lagging behind a bit in technology.
Bitcoin Gold: A bit better security than bitcoin through ASIC resistant algorithm, but that's it. Not that interesting.
Digibyte: Digibyte's PoS blockchain is spread over a 100,000+ servers, phones, computers, and nodes across the globe, aiming for the ultimate level of decentralization. DigiByte rebalances the load between the five mining algorithms by adjusting the difficulty of each so one algorithm doesn’t become dominant. The algorithm's asymmetric difficulty has gained notoriety and been deployed in many other blockchains.DigiByte’s adoption over the past four years has been slow. It’s still a relatively obscure currency compared its competitors. The DigiByte website offers a lot of great marketing copy and buzzwords. However, there’s not much technical information about what they have planned for the future. You could say Digibyte is like Bitcoin, but with shorter blocktimes and a multi-algorithm. However, that's not really a difference big enough to truly set themselves apart from Bitcoin, since these technologies could be implemented by any blockchain without much difficulty. Their decentralization is probably their strongest asset, however, this also change quickly if the currency takes off and big miners decide to go into Digibyte.
Bitcoin Diamond Asic resistant Bitcoin and Copycat
Market 2 - Platform
Most of the cryptos here have smart contracts and allow dapps (Decentralized apps) to be build on their platform and to use their token as an exchange of value between dapp services.
Ethereum: 2nd generation blockchain that allows the use of smart contracts. Bad scalability currently, though this concern could be alleviated by the soon to be implemented Lightning Network aka Plasma and its Sharding concept.
EOS: Promising technology that wants to be able do everything, from smart contracts like Ethereum, scalability similar to Nano with 1000 tx/second + near instant transactions and zero fees, to also wanting to be a platform for dapps. However, EOS doesn't have a product yet and everything is just promises still. Highly overvalued right now. However, there are lots of red flags, have dumped $500 million Ether over the last 2 months and possibly bought back EOS to increase the size of their ICO, which has been going on for over a year and has raised several billion dollars. All in all, their market cap is way too high for that and not even having a product.
Cardano: Similar to Ethereum/EOS, however, only promises made with no delivery yet, highly overrated right now. Interesting concept though. Market cap way too high for not even having a product. Somewhat promising technology.
VeChain: Singapore-based project that’s building a business enterprise platform and inventory tracking system. Examples are verifying genuine luxury goods and food supply chains. Has one of the strongest communities in the crypto world. Most hyped token of all, with merit though.
Neo: Neo is a platform, similar to Eth, but more extensive, allowing dapps and smart contracts, but with a different smart contract gas system, consensus mechanism (PoS vs. dBfT), governance model, fixed vs unfixed supply, expensive contracts vs nearly free contracts, different ideologies for real world adoption. There are currently only 9 nodes, each of which are being run by a company/entity hand selected by the NEO council (most of which are located in china) and are under contract. This means that although the locations of the nodes may differ, ultimately the neo council can bring them down due to their legal contracts. In fact this has been done in the past when the neo council was moving 50 million neo that had been locked up. Also dbft (or neo's implmentation of it) has failed underload causing network outages during major icos. The first step in decentralization is that the NEO Counsel will select trusted nodes (Universities, business partners, etc.) and slowly become less centralized that way. The final step in decentralization will be allowing NEO holders to vote for new nodes, similar to a DPoS system (ARK/EOS/LISK). NEO has a regulation/government friendly ideology. Finally they are trying to work undewith the Chinese government in regards to regulations. If for some reason they wanted it shut down, they could just shut it down.
Stellar: PoS system, similar goals as Ripple, but more of a platform than only a currency. 80% of Stellar are owned by Stellar.org still, making the currency centralized.
Ethereum classic: Original Ethereum that decided not to fork after a hack. The Ethereum that we know is its fork. Uninteresing, because it has a lot of less resources than Ethereum now and a lot less community support.
Ziliqa: Zilliqa is building a new way of sharding. 2400 tpx already tested, 10,000 tps soon possible by being linearly scalable with the number of nodes. That means, the more nodes, the faster the network gets. They are looking at implementing privacy as well.
QTUM: Enables Smart contracts on the Bitcoin blockchain. Useful.
Icon: Korean ethereum. Decentralized application platform that's building communities in partnership with banks, insurance providers, hospitals, and universities. Focused on ID verification and payments. No big differentiators to the other 20 Ethereums, except that is has a product. That is a plus. Maybe cheap alternative to Ethereum.
LISK: Lisk's difference to other BaaS is that side chains are independent to the main chain and have to have their own nodes. Similar to neo whole allows dapps to deploy their blockchain to. However, Lisk is currently somewhat centralized with a small group of members owning more than 50% of the delegated positions. Lisk plans to change the consensus algorithm for that reason in the near future.
Rchain: Similar to Ethereum with smart contract, though much more scalable at an expected 40,000 TPS and possible 100,000 TPS. Not launched yet. No product launched yet, though promising technology. Not overvalued, probably at the right price right now.
ARDR: Similar to Lisk. Ardor is a public blockchain platform that will allow people to utilize the blockchain technology of Nxt through the use of child chains. A child chain, which is a ‘light’ blockchain that can be customized to a certain extent, is designed to allow easy self-deploy for your own blockchain. Nxt claims that users will "not need to worry" about security, as that part is now handled by the main chain (Ardor). This is the chief innovation of Ardor. Ardor was evolved from NXT by the same company. NEM started as a NXT clone.
Ontology: Similar to Neo. Interesting coin
Bytom: Bytom is an interactive protocol of multiple byte assets. Heterogeneous byte-assets (indigenous digital currency, digital assets) that operate in different forms on the Bytom Blockchain and atomic assets (warrants, securities, dividends, bonds, intelligence information, forecasting information and other information that exist in the physical world) can be registered, exchanged, gambled and engaged in other more complicated and contract-based interoperations via Bytom.
Nxt: Similar to Lisk
Stratis: Different to LISK, Stratis will allow businesses and organizations to create their own blockchain according to their own needs, but secured on the parent Stratis chain. Stratis’s simple interface will allow organizations to quickly and easily deploy and/or test blockchain functionality of the Ethereum, BitShares, BitCoin, Lisk and Stratis environements.
Status: Status provides access to all of Ethereum’s decentralized applications (dapps) through an app on your smartphone. It opens the door to mass adoption of Ethereum dapps by targeting the fastest growing computer segment in the world – smartphone users.16. Ark: Fork of Lisk that focuses on a smaller feature set. Ark wallets can only vote for one delegate at a time which forces delegates to compete against each other and makes cartel formations incredibly hard, if not impossible.
Neblio: Similar to Neo, but 30x smaller market cap.
NEM: Is similar to Neo No marketing team, very high market cap for little clarilty what they do.
Bancor: Bancor is a Decentralized Liquidity Network that allows you to hold any Ethereum token and convert it to any other token in the network, with no counter party, at an automatically calculated price, using a simple web wallet.
Dragonchain: The Purpose of DragonChain is to help companies quickly and easily incorporate blockchain into their business applications. Many companies might be interested in making this transition because of the benefits associated with serving clients over a blockchain – increased efficiency and security for transactions, a reduction of costs from eliminating potential fraud and scams, etc.
Skycoin: Transactions with zero fees that take apparently two seconds, unlimited transaction rate, no need for miners and block rewards, low power usage, all of the usual cryptocurrency technical vulnerabilities fixed, a consensus mechanism superior to anything that exists, resistant to all conceivable threats (government censorship, community infighting, cybenucleaconventional warfare, etc). Skycoin has their own consensus algorithm known as Obelisk written and published academically by an early developer of Ethereum. Obelisk is a non-energy intensive consensus algorithm based on a concept called ‘web of trust dynamics’ which is completely different to PoW, PoS, and their derivatives. Skywire, the flagship application of Skycoin, has the ambitious goal of decentralizing the internet at the hardware level and is about to begin the testnet in April. However, this is just one of the many facets of the Skycoin ecosystem. Skywire will not only provide decentralized bandwidth but also storage and computation, completing the holy trinity of commodities essential for the new internet. Skycion a smear campaign launched against it, though they seem legit and reliable. Thus, they are probably undervalued.
Market 3 - Ecosystem
The 3rd market with 11 coins is comprised of ecosystem coins, which aim to strengthen the ease of use within the crypto space through decentralized exchanges, open standards for apps and more
Nebulas: Similar to how Google indexes webpages Nebulas will index blockchain projects, smart contracts & data using the Nebulas rank algorithm that sifts & sorts the data. Developers rewarded NAS to develop & deploy on NAS chain. Nebulas calls this developer incentive protocol – basically rewards are issued based on how often dapp/contract etc. is used, the more the better the rewards and Proof of devotion. Works like DPoS except the best, most economically incentivised developers (Bookkeeppers) get the forging spots. Ensuring brains stay with the project (Cross between PoI & PoS). 2,400 TPS+, DAG used to solve the inter-transaction dependencies in the PEE (Parallel Execution Environment) feature, first crypto Wallet that supports the Lightening Network.
Waves: Decentralized exchange and crowdfunding platform. Let’s companies and projects to issue and manage their own digital coin tokens to raise money.
Salt: Leveraging blockchain assets to secure cash loands. Plans to offer cash loans in traditional currencies, backed by your cryptocurrency assets. Allows lenders worldwide to skip credit checks for easier access to affordable loans.
CHAINLINK: ChainLink is a decentralized oracle service, the first of its kind. Oracles are defined as an ‘agent’ that finds and verifies real-world occurrences and submits this information to a blockchain to be used in smart contracts.With ChainLink, smart contract users can use the network’s oracles to retrieve data from off-chain application program interfaces (APIs), data pools, and other resources and integrate them into the blockchain and smart contracts. Basically, ChainLink takes information that is external to blockchain applications and puts it on-chain. The difference to Aeternity is that Chainlink deploys the smart contracts on the Ethereum blockchain while Aeternity has its own chain.
WTC: Combines blockchain with IoT to create a management system for supply chains Interesting
Ethos unifyies all cryptos. Ethos is building a multi-cryptocurrency phone wallet. The team is also building an investment diversification tool and a social network
Aion: Aion is the token that pays for services on the Aeternity platform.
USDT: is no cryptocurrency really, but a replacement for dollar for trading After months of asking for proof of dollar backing, still no response from Tether.
Market 4 - Privacy
The 4th market are privacy coins. As you might know, Bitcoin is not anonymous. If the IRS or any other party asks an exchange who is the identity behind a specific Bitcoin address, they know who you are and can track back almost all of the Bitcoin transactions you have ever made and all your account balances. Privacy coins aim to prevent exactly that through address fungability, which changes addresses constantly, IP obfuscation and more. There are 2 types of privacy coins, one with completely privacy and one with optional privacy. Optional Privacy coins like Dash and Nav have the advantage of more user friendliness over completely privacy coins such as Monero and Enigma.
Monero: Currently most popular privacy coin, though with a very high market cap. Since their privacy is all on chain, all prior transactions would be deanonymized if their protocol is ever cracked. This requires a quantum computing attack though. PIVX is better in that regard.
Zcash: A decentralized and open-source cryptocurrency that hide the sender, recipient, and value of transactions. Offers users the option to make transactions public later for auditing. Decent privacy coin, though no default privacy
Verge: Calls itself privacy coin without providing private transactions, multiple problems over the last weeks has a toxic community, and way too much hype for what they have.
Bytecoin: First privacy-focused cryptocurrency with anonymous transactions. Bytecoin’s code was later adapted to create Monero, the more well-known anonymous cryptocurrency. Has several scam accusations, 80% pre-mine, bad devs, bad tech
Bitcoin Private: A merge fork of Bitcoin and Zclassic with Zclassic being a fork of Zcash with the difference of a lack of a founders fee required to mine a valid block. This promotes a fair distribution, preventing centralized coin ownership and control. Bitcoin private offers the optional ability to keep the sender, receiver, and amount private in a given transaction. However, this is already offered by several good privacy coins (Monero, PIVX) and Bitcoin private doesn't offer much more beyond this.
Komodo: The Komodo blockchain platform uses Komodo’s open-source cryptocurrency for doing transparent, anonymous, private, and fungible transactions. They are then made ultra-secure using Bitcoin’s blockchain via a Delayed Proof of Work (dPoW) protocol and decentralized crowdfunding (ICO) platform to remove middlemen from project funding. Offers services for startups to create and manage their own Blockchains.
PIVX: As a fork of Dash, PIVX uses an advanced implementation of the Zerocoin protocol to provide it’s privacy. This is a form of zeroknowledge proofs, which allow users to spend ‘Zerocoins’ that have no link back to them. Unlike Zcash u have denominations in PIVX, so they can’t track users by their payment amount being equal to the amount of ‘minted’ coins, because everyone uses the same denominations. PIVX is also implementing Bulletproofs, just like Monero, and this will take care of arguably the biggest weakness of zeroknowledge protocols: the trusted setup.
Zcoin: PoW cryptocurrency. Private financial transactions, enabled by the Zerocoin Protocol. Zcoin is the first full implementation of the Zerocoin Protocol, which allows users to have complete privacy via Zero-Knowledge cryptographic proofs.
Enigma: Monero is to Bitcoin what enigma is to Ethereum. Enigma is for making the data used in smart contracts private. More of a platform for dapps than a currency like Monero. Very promising.
Navcoin: Like bitcoin but with added privacy and pos and 1,170 tps, but only because of very short 30 second block times. Though, privacy is optional, but aims to be more user friendly than Monero. However, doesn't really decide if it wants to be a privacy coin or not. Same as Zcash.Strong technology, non-shady team.
Tenx: Raised 80 million, offers cryptocurrency-linked credit cards that let you spend virtual money in real life. Developing a series of payment platforms to make spending cryptocurrency easier. However, the question is if full privacy coins will be hindered in growth through government regulations and optional privacy coins will become more successful through ease of use and no regulatory hindrance.
Market 5 - Currency Exchange Tool
Due to the sheer number of different cryptocurrencies, exchanging one currency for the other it still cumbersome. Further, merchants don’t want to deal with overcluttered options of accepting cryptocurrencies. This is where exchange tool like Req come in, which allow easy and simple exchange of currencies.
Cryptonex: Fiat and currency exchange between various blockchain services, similar to REQ.
QASH: Qash is used to fuel its liquid platform which will be an exchange that will distribute their liquidity pool. Its product, the Worldbook is a multi-exchange order book that matches crypto to crypto, and crypto to fiat and the reverse across all currencies. E.g., someone is selling Bitcoin is USD on exchange1 not owned by Quoine and someone is buying Bitcoin in EURO on exchange 2 not owned by Quoine. If the forex conversions and crypto conversions match then the trade will go through and the Worldbook will match it, it'll make the sale and the purchase on either exchange and each user will get what they wanted, which means exchanges with lower liquidity if they join the Worldbook will be able to fill orders and take trade fees they otherwise would miss out on.They turned it on to test it a few months ago for an hour or so and their exchange was the top exchange in the world by 4x volume for the day because all Worldbook trades ran through it. Binance wants BNB to be used on their one exchange. Qash wants their QASH token embedded in all of their partners. More info here https://www.reddit.com/CryptoCurrency/comments/8a8lnwhich_are_your_top_5_favourite_coins_out_of_the/dwyjcbb/?context=3
Kyber: network Exchange between cryptocurrencies, similar to REQ. Features automatic coin conversions for payments. Also offers payment tools for developers and a cryptocurrency wallet.
Achain: Building a boundless blockchain world like Req .
Req: Exchange between cryptocurrencies.
Bitshares: Exchange between cryptocurrencies. Noteworthy are the 1.5 second average block times and throughput potential of 100,000 transactions per second with currently 2,400 TPS having been proven. However, bitshares had several Scam accusations in the past.
Loopring: A protocol that will enable higher liquidity between exchanges and personal wallets.
ZRX: Open standard for dapps. Open, permissionless protocol allowing for ERC20 tokens to be traded on the Ethereum blockchain. In 0x protocol, orders are transported off-chain, massively reducing gas costs and eliminating blockchain bloat. Relayers help broadcast orders and collect a fee each time they facilitate a trade. Anyone can build a relayer.
Market 6 - Gaming
With an industry size of $108B worldwide, Gaming is one of the largest markets in the world. For sure, cryptocurrencies will want to have a share of that pie.
Storm: Mobile game currency on a platform with 9 million players.
Fun: A platform for casino operators to host trustless, provably-fair gambling through the use of smart contracts, as well as creating their own implementation of state channels for scalability.
Electroneum: Mobile game currency They have lots of technical problems, such as several 51% attacks
Wax: Marketplace to trade in-game items
Market 7 - Misc
There are various markets being tapped right now. They are all summed up under misc.
OMG: Omise is designed to enable financial services for people without bank accounts. It works worldwide and with both traditional money and cryptocurrencies.
Power ledger: Australian blockchain-based cryptocurrency and energy trading platform that allows for decentralized selling and buying of renewable energy. Unique market and rather untapped market in the crypto space.
Populous: A platform that connects business owners and invoice buyers without middlemen. Invoice sellers get cash flow to fund their business and invoice buyers earn interest. Similar to OMG, small market.
Monacoin: The first Japanese cryptocurrency. Focused on micro-transactions and based on a popular internet meme of a type-written cat. This makes it similar to Dogecoin. Very niche, tiny market.
Revain: Legitimizing reviews via the blockchain. Interesting concept, though market not as big.
Augur: Platform to forecast and make wagers on the outcome of real-world events (AKA decentralized predictions). Uses predictions for a “wisdom of the crowd” search engine. Not launched yet.
Substratum: Revolutionzing hosting industry via per request billing as a decentralized internet hosting system. Uses a global network of private computers to create the free and open internet of the future. Participants earn cryptocurrency. Interesting concept.
Veritaseum: Is supposed to be a peer to peer gateway, though it looks like very much like a scam.
TRON: Tronix is looking to capitalize on ownership of internet data to content creators. However, they plagiarized their white paper, which is a no go. They apologized, so it needs to be seen how they will conduct themselves in the future. Extremely high market cap for not having a product, nor proof of concept.
Syscoin: A cryptocurrency with a decentralized marketplace that lets people buy and sell products directly without third parties. Trying to remove middlemen like eBay and Amazon.
Hshare: Most likely scam because of no code changes, most likely pump and dump scheme, dead community.
BAT: An Ethereum-based token that can be exchanged between content creators, users, and advertisers. Decentralized ad-network that pays based on engagement and attention.
Dent: Decentralizeed exchange of mobile data, enabling mobile data to be marketed, purchased or distributed, so that users can quickly buy or sell data from any user to another one.
Ncash: End to end encrypted Identification system for retailers to better serve their customers .
Factom Secure record-keeping system that allows companies to store their data directly on the Blockchain. The goal is to make records more transparent and trustworthy .
Market 8 - Social network
Web 2.0 is still going strong and Web 3.0 is not going to ignore it. There are several gaming tokens already out there and a few with decent traction already, such as Steem, which is Reddit with voting through money is a very interesting one.
Mithril: As users create content via social media, they will be rewarded for their contribution, the better the contribution, the more they will earn
Steem: Like Reddit, but voting with money. Already launched product and Alexa rank 1,000 Thumbs up.
Rdd: Reddcoin makes the process of sending and receiving money fun and rewarding for everyone. Reddcoin is dedicated to one thing – tipping on social networks as a way to bring cryptocurrency awareness and experience to the general public.
Kin: Token for the platform Kik. Kik has a massive user base of 400 million people. Replacing paying with FIAT with paying with KIN might get this token to mass adoption very quickly.
Market 9 - Fee token
Popular exchanges realized that they can make a few billion dollars more by launching their own token. Owning these tokens gives you a reduction of trading fees. Very handy and BNB (Binance Coin) has been one of the most resilient tokens, which have withstood most market drops over the last weeks and was among the very few coins that could show growth.
BNB: Fee token for Binance
Gas: Not a Fee token for an exchange, but it is a dividend paid out on Neo and a currency that can be used to purchase services for dapps.
Kucoin: Fee token for Kucoin
Market 10 - Decentralized Data Storage
Currently, data storage happens with large companies or data centers that are prone to failure or losing data. Decentralized data storage makes loss of data almost impossible by distributing your files to numerous clients that hold tiny pieces of your data. Remember Torrents? Torrents use a peer-to-peer network. It is similar to that. Many users maintain copies of the same file, when someone wants a copy of that file, they send a request to the peer-to-peer network., users who have the file, known as seeds, send fragments of the file to the requester., he requester receives many fragments from many different seeds, and the torrent software recompiles these fragments to form the original file.
Gbyte: Byteball data is stored and ordered using directed acyclic graph (DAG) rather than blockchain. This allows all users to secure each other's data by referencing earlier data units created by other users, and also removes scalability limits common for blockchains, such as blocksize issue.
Siacoin: Siacoin is decentralized storage platform. Distributes encrypted files to thousands of private users who get paid for renting out their disk space. Anybody with siacoins can rent storage from hosts on Sia. This is accomplish via "smart" storage contracts stored on the Sia blockchain. The smart contract provides a payment to the host only after the host has kept the file for a given amount of time. If the host loses the file, the host does not get paid.
Maidsafecoin: MaidSafe stands for Massive Array of Internet Disks, Secure Access for Everyone.Instead of working with data centers and servers that are common today and are vulnerable to data theft and monitoring, SAFE’s network uses advanced P2P technology to bring together the spare computing capacity of all SAFE users and create a global network. You can think of SAFE as a crowd-sourced internet. All data and applications reside in this network. It’s an autonomous network that automatically sets prices and distributes data and rents out hard drive disk space with a Blockchain-based storage solutions.When you upload a file to the network, such as a photo, it will be broken into pieces, hashed, and encrypted. The data is then randomly distributed across the network. Redundant copies of the data are created as well so that if someone storing your file turns off their computer, you will still have access to your data. And don’t worry, even with pieces of your data on other people’s computers, they won’t be able to read them. You can earn MadeSafeCoins by participating in storing data pieces from the network on your computer and thus earning a Proof of Resource.
Storj: Storj aims to become a cloud storage platform that can’t be censored or monitored, or have downtime. Your files are encrypted, shredded into little pieces called 'shards', and stored in a decentralized network of computers around the globe. No one but you has a complete copy of your file, not even in an encrypted form.
Market 11 - Cloud computing
Obviously, renting computing power, one of the biggest emerging markets as of recent years, e.g. AWS and Digital Ocean, is also a service, which can be bought and managed via the blockchain.
Golem: Allows easy use of Supercomputer in exchange for tokens. People worldwide can rent out their computers to the network and get paid for that service with Golem tokens.
Elf: Allows easy use of Cloud computing in exchange for tokens.
Market 12 - Stablecoin
Last but not least, there are 2 stablecoins that have established themselves within the market. A stable coin is a coin that wants to be independent of the volatility of the crypto markets. This has worked out pretty well for Maker and DGD, accomplished through a carefully diversified currency fund and backing each token by 1g or real gold respectively. DO NOT CONFUSE DGD AND MAKER with their STABLE COINS DGX and DAI. DGD and MAKER are volatile, because they are the companies of DGX and DAI. DGX and DAI are the stable coins.
DGD: Platform of the Stablecoin DGX. Every DGX coin is backed by 1g of gold and make use proof of asset consensus.
Maker: Platform of the Stablecoin DAI that doesn't vary much in price through widespread and smart diversification of assets.
EDIT: Added a risk factor from 0 to 10. The baseline is 2 for any crypto. Significant scandals, mishaps, shady practices, questionable technology, increase the risk factor. Not having a product yet automatically means a risk factor of 6. Strong adoption and thus strong scrutiny or positive community lower the risk factor. EDIT2: Added a subjective potential factor from 0 to 10, where its overall potential and a small or big market cap is factored in. Bitcoin with lots of potential only gets a 9, because of its massive market cap, because if Bitcoin goes 10x, smaller coins go 100x, PIVX gets a 10 for being as good as Monero while carrying a 10x smaller market cap, which would make PIVX go 100x if Monero goes 10x.
Australians, you need to start buying as much crypto as you can.
I’m Australian, this isn’t meant to be an alarmist or sensationalist post, but the economic situation in our country is a lot more serious than most of us think. First off, the current economic situation. Simply put, our economy is fucked. Our housing market is dangerously overleveraged and because of policies by our government at the time, we never experienced the correction the US and most of the rest of the world did during the 2008 Global Financial Crisis. And now the chickens are coming home to roost. Australians are up to their eyeballs in debt, almost half of the housing loans are interest only, it’s the reason the Reserve Bank of Australia hasn’t raised the interest rates since 2016. Because as soon as they do, even by 0.01%, tens of thousands of Australians are going to default on their mortgages. It’s no secret that our housing market is one of the most expensive in the world, and anyone living in our country already knows this. The market value of Australian homes is 4 times the GDP of the country. Our housing market is beyond the point of saving and the bubble is about to pop. And while our mainstream media is trying to convince us that it will deflate slowly, history paints a different picture. And that’s just the start of our problems. It’s no secret that China is our biggest trading partner. We rely on China more than any other developed country in the world. And what is currently happening on the greater global stage? Our most important military ally has engaged in a trade war with China, and the effects of that trade war are starting to be felt. Chinese stocks are in freefall, and that’s only going to be the beginning of the negative effects from Trump’s hardline approach to dealing with China. It doesn’t take a genius to see that this is going to have a devastating effect on our economy. Our biggest trading partner is having a financial gunfight with the USA, which is going to result in them buying less of our stuff. And still that isn’t the end of it. Mining is down. Commodities prices are down. Our manufacturing sector is almost dead. The only thing we have going for us at the moment is agriculture and that can’t prop up the entire economy. You wanna turn white? Read this article from last year. Our economy is teetering on the precipice. You think I’m being dramatic? Well even the Australian MSM can no longer ignore it. With articles like this appearing almost on the daily. Our dollar is in serious trouble, anyone who knows the slightest bit about TA go look at the graphs in that article. Our country is in serious economic trouble. And we don’t know shit about it because our media is a duopoly that makes most of its money from their real estate arms. All signs are pointing to our dollar about to be worth a hell of a lot less than it currently is. What can we do? Since this is the crypto subreddit the solution to this impending economic shitstorm should be painfully obvious. Buy fucking Bitcoin. Not the solution for the country, for you. The country isn’t going to do shit for anyone of us except saddle us with debt and a cooked economy that is going to take generations to get out of, if ever. So we should be diversifying. Sure buying gold probably isn’t a stupid idea either, but if you think that is proof against state intervention, read a history book. Even then, gold still needs to be converted into cash to be useful, and anyone paying attention can see that Australia is gearing up for a war on cash that borders on tyrannical. The only way for us as individuals to protect our wealth at the moment is to convert it into cryptocurrency. But Bitcoin is low at the moment! No shit. But if you think it’s going to stay that way you are 1. In the wrong subreddit, and 2. No paying attention to the macro factors of crypto. Wall St is gearing up to enter. The bank that runs the world is getting involved. And not just American banks. Bitcoin may be low now but if you know anything about market cycles, you know that it’ll be back. Here is a good comparison of BTC a few years ago as opposed to now. It’s almost at the point where it’s irresponsible not to be buying bitcoin, and I’m not the only one that holds this opinion. Worst case scenario, bitcoin falls to USD 3k. What do you think is going to happen after that? Bitcoin and crypto aren’t going anywhere and you’re kidding yourself if you think that the value of bitcoin isn’t going to be much higher in the years to come. Of course the RBA is telling people that Bitcoin is dead, probably because they don’t want Australians to dump their soon to be worthless fiat currency. In fact one any given day you’ll see a bunch of anti-crypto propaganda on our MSM. The same MSM that has been telling us all to buy as many houses as we can for the last 20 years. The same MSM that up until now hasn’t said shit about the direction our economy is heading in. The writing’s on the wall people. If we keep our wealth in AUD it’s going to be worth considerably less sooner rather than later. Our property sector is going to crash, our dollar is going to crash, our personal wealth is going to be stripped away from us. If you want to avoid this, if you want to protect your wealth, ensure a future that isn’t financial hardship, then we really only have one choice. Buy bitcoin. Personally I am converting half my pay each week into BTC and just holding it. Not putting it into alts. Just btc. I’d advise you do the same as well. I understand that this sounds super risky. But if you read the articles I’ve linked to in this post I’m sure you’ll see that the only risky move is doing nothing. This isn’t a joke or a false alarm. The notion that our economy has always been fine up until now isn’t valid anymore. If you want to protect your personal wealth and purchasing power in the next few years, you really should be buying as much btc as you can while it is this low. This is what crypto is for, avoiding the negative financial downturns of specific countries. It’s a globally traded commodity that is accessible by anyone with a computer. Our economy tanking isn’t going to affect the price one bit. I hope some of this has been useful. Listen to me, don’t listen to me, it’s your choice. But this is the digital age, there’s no excuse for ignorance anymore.
Best Betting Sites » Top International Betting Sites 2020
Video gaming sector experts created KTO as a new as well as innovative website which brings you reliable, registered gaming experience. KTO provides ensured services to its consumers and also make them really feel remarkably distinct. The squad running the website has greater than half a century of experience in the wagering market. Providing a vast array of port games and live betting clubs, it also supplies the best chance on the first sporting activities events also. The site constantly expects to adding the most up to date advancements. You can select from a varied variety of Payments treatments, languages and also money. The website is still taking actions to guarantee reasonable as well as safe pc gaming, thus still keeping up with as well as aiding the individuals.
This site is an impressive online location, with impressive video games being worked on by finest programmers, keep up with their image. This website operates ground-based online casinos together with on-line gaming. You can become an associate of the club or online casino site. Consumer's experience is always essentially perfect that the firm gets respect whatsoever. Casino opts to give comfortable and also protected gaming experience to the customer. They declare to be one of the most popular casino in the UK, and also it appears when you come through the reviews of their online gambling establishment.
Bookmaker website sub-structured in London is also signed up on London stock exchange. The foundation was laid by William Hillside in 1934, at the time when Britain didn't support gambling. The leading company workplaces are located in the UK although the company runs all over the world, and about 14,000 people are utilized. This website supplies to bet online and likewise by phone. Greater than one million wagers are refined daily. In addition to the sportsbook, it also provides on-line bingo, gambling establishment, skill video games and so on
Bovada has been adding to an on the internet pc gaming experience because 2011, far better than anyone. Bets are taken down in the cross-functional sportsbook, Face publication, in the casino poker spaces or land gambling enterprises, are after that placed to retreat. Gamers have enjoyment as well as convenience and enjoy pleasing betting experience. Bovada has become a name in gambling web sites using poker, casino, poker and wagering in sporting activities as well as steed racing, and also one can count on. It can be a centralized location for on-line gaming, as it is taking sporting activities bettors near acting along with being secure and also fast. This is a pleasant site.
This on-line betting site is run from Australia, Canada and also the United States. It was released in 2014 as well as is handled by BeOnSports former heads. This website put forward sports betting, games and race betting. The site allured customers via radio advertising campaigns and the internet. It ended up being a repeating sponsor for ESPN radio programs. Live wagering qualities provides the users to put a bet on a video game already in progress. In-play gambling borders essential soccer, tennis, hockey events. Live casino licenses consumers to enjoy preferred table games while they can chat with other users or suppliers during the game via online video streaming.
InterTops is adding to the pc gaming market by giving contentious chances and also outstanding favours. The firm is setting the highest requirements for the pc gaming industry. It is the globe's significant site for wagering and also on the internet gaming. This website is prancing its customer count in over 180 nations. Five hundred million dollars have actually been paid to the successful individuals around the world. This business is a well-reputed and also reliable source for the on the internet video gaming experience. In any location of on the internet pc gaming, InterTops use modern technology which adds to the enjoyment and pleasure. InterTops site is using 23 techniques. It has actually been placed 36,908 among sites because of 1,518,293 month-to-month site visitors.
This firm, structured in 1994, is an inconspicuously operated on the internet gaming company offering to bet on online sporting activities, derby and also gaming. Your internet browser can be utilized for on spot video gaming. BetUs runs a mobile programme, m.betus.com. Gamers can check out the on the internet gambling establishment on the mobile website as well can give up their sports wagers. It additionally provides real-time betting. This feature is adjourned during damaging moments and also is resumed in a safe environment.
As mentioned by Alexa.com, the second most seen website in Nigeria is Bet9ja. This website uses to bet on prime sport events held in Nigeria. It was inaugurated in 2013. Consumers go to the site for high-rank odds on football and to experience best online wagering solution. It was founded as an offline pc gaming platform versus various other online systems. Bet9ja got a superior action in the first 3 years of operation accompanied by a substantial turnover. The Bet9ja group is constantly enhancing the site by adding up to date as well as interesting features to the website. It earns millions of Naira every year. This website is approved as well as insured under the Lagos State lottery game board. In 2015, Bet9ja was the executive sponsor for Nigeria's Women's Football League.
Hi, FOLLOWER ORGANIZATION exists users with social football experience by giving a platform for the fans where they can connect and engage. Every weekend the participants need to prophesize the end result of English football suits. Competitions can be held between close friends, competence, or the on the internet community and rewards are paid in cash money. This job, includes growth for web, iphone and also Android, was created by Tallium for a Swedish based company. Besides, being a wagering platform as well as reward earning website, this site brings the football neighborhood together. FAN ORGANIZATION mixes the betting with the social structure, which supplies the individuals with an enjoyable gaming understanding. Betting on online games is supplied, as well as the profits are upgraded with every goal that is racked up. At the end of the match, users can see which of their forecasts were exact or off-target. The application also apprises concerning the most up to date football information as well as expertise prognosis on the social feed. Customers can produce leagues as well as evaluate their skills against other participants. The gamers are allowed to attach and also talk using public conversations. FAN LEAGUE choose the professionals, users can get assist from them, as well as they likewise suggest just how to place an effective wager.
3et is among the brand new software application giving a sole betting service. Bettors are designated totally free as well as safe strategy to the wagering market. Arrangements and accepted wagers are all done by 3et without any voidness. A significant platform is offering the highest possible limitations and most exceptional odds for sporting activities betting. 3et has a method to all vital bookies and also exchanges. 3et advanced half time and edge wagers for football. This website offers individuals one of the most successful betting experience. They mention to be the best as well as purchasers will be so happy they will never need any other sportsbook.3 et belongs to Eurasia sporting activities restricted. They assure open accessibility to their deals without charging the players any kind of commission. This site is easy to use still suffices to catch specialist acknowledgment. Utilizing the 3et app customers can access the bets from anywhere around the globe. It is only obtainable in the English language. Lowest cost bets can be launched at 1 Euro, and when customers obtain the on specifying the occasion, the ultimate price is presented on the slip.
Betsat is the current name in the betting market that is established in Turkey. It tries to draw customers from Europe and various other continents and attempting to convince them that the website is adventitious. This company faces significant competition from within the country as well as from the claimed European wagerers. Betsat is ingrained in Turkey, being on the go amongst Turkish players and proudly highlights its viewers. They use multilingual aid to the customers, as well as the web site can additionally be translated in German, Spanish and also English to make sure. This website recommends an indiscriminate blend of sporting activities to draw in Turkish as well as European customers. Football and also basketball are uniformly famed in Turkey as well as around the continent which magnifies the popularity of the website. When it comes round live betting, the site offers to bet on tennis, football basketball after the game has actually begun.
Rooted in Malaysia, INFINIWIN is the leading online betting workshop. This rejuvenating brand largely concentrates on texas hold'em and also other table gaming products. INFINIWIN provides a remarkably good value of premium video gaming products. They ensure that the individuals are going to get the noticeably superior wagering experience. This website has a superior team aiding the clients as well as assisting the individuals in various languages.
MAXBET is currently leading the video gaming industry in Central as well as Eastern parts of Europe with a quickly raising energy. This business is at the forefront of Europe's betting industry following its tactical partnership with Italian lotto game monster Lottomatica. Enthusiastic clients are offered numerous fortunate possibilities for winning at gambling establishments, wagering games and vending machine. Events are arranged on a regular as well as month-to-month basis. MAXBET guarantees that consumers rely on them for a risk-free as well as safe and secure gaming domain name.
Betland.com is a well-reputed bookie that runs online and by means of mobile in Nigeria. After its relaunch, it has ended up being even faster and well organized. Odds and also betting lines are used on a series of sporting activities which are just as popular in Nigeria and also other countries as well. Betting supplies on some considerable sporting activities occasions outside Nigeria gives a worldwide personality to the website. Betland aims to provide its services to all groups of bettors neglecting their financial condition.
BETSSON uses tradition for gambling, online casino bingo and also sports wagering. This company has actually stemmed from Sweden. It works through 20+ brand names that give video gaming items. This firm financial resources as well as handles the on-line pc gaming business. BETSSON intends to surmount the pc gaming sector in practical manners, although it is among the topmost in Europe.
Operating given that 1996, PARIMATCH has actually turned into a worldwide video gaming website. They state themselves among the leaders of the video gaming sector and so are always anticipating improving the top quality and automation and also adding to the events daily, stats and evaluation are provided night and day. Users are provided to bank on 20+ sports in above 60 nations along with 200 organizations as well as greater than 600 sporting activities occasions.
This is a European business established in 1999. It was released online in March 2000. Initially, it was rotated to on the internet sporting activities wagering, however it was redesigned with the launch of on-line casino site and also after that the system for playing poker. Different betting options are used on sporting occasions as sports scheduling is the website's main dish.
This gambling firm, based in Malta, has actually revealed exceptional growth given that 1995. With a selection of on-line video gaming options, land-based stores are also established. TIPBET sustains wagering and also odds on all primary sporting activities occasions and likewise holds a terrific range of gambling establishment video games.
A fresh bookmaker taken part in sports wagering, specifically in the UK as well as America is named RedZone Sports. The site is highly in cognition with as well as also possessed by the Spotnation bookies. Argyll Amusement AG. Attacking the gaming sector in 2017, this fresh bookie reveals wonderful rate of interest in America's sportsbooks. The website is regulated by The Gaming Commission, a highly suggested global gambling authority, and this assures the user that the cash they are investing is safe and also secured. With a considerable focus on games like United States football, baseball as well as hoops, this internet site consigns helpful odds on several sporting activities. It is possible for the individual to play online or In-play alternatives are likewise available. This website gives the individual an authentic wagering experience by providing large-scale hypothesizing markets.
Casino poker celebrity, very acquainted as well as honoured on-line texas hold'em service provider, spin-offs the Betstars website. The website is visited consistently by countless consumers who are intended to seek satisfaction from all the on-line alternatives the website gives. This substantial number of punters seeing the site has actually helped the site being deemed as one of the most rated bookies around the globe.
Malta video gaming authority supervises of synchronizing PWR wager, a just recently added mobile-friendly bookmaker site. This site was presented in 2018. This site exceedingly advertises via its application, however as being an Android app, it is unfeasible for the people utilizing the apple iphone. Among others, this site provides betting on the derby, football as well as additionally sustains E-Sports wagering.
MyMoPlay collaborates with Manchester United along with Watford FC. The business has actually been taken down by IBAS, which forefronts its dependence as a good pc gaming system. Customers can locate a large series of sports to bet on. It also introduced its app for the best online experience in sports wagering.
RoBet established foot into the European on-line bookie market in 2019. Government of Curacao oversees the site guaranteeing that it goes along with honest implementation of sporting activities scheduling. The customers can confide in them for leisure ventures.
Jetbull was founded in 2007. This site is secondary to OddsMatrix. Different languages are passed on the internet site. The site has ingrained markets in football, supplying countless chances yet is concentrated constrained to concentrate on US players.
Luckybet uses open chances for European, Canadian players and likewise gamers from New Zealand. Abundant gaming choices as well as rewards as well as the contemporary website design includes in the impact the site has on gamblers and punters. Many online internet sites attempt to reproduce their articulation.
Redbet, a premier online casino brand name intervened in the on theinternet sporting activities reserving industry. This site was produced in 2002 with a mission of producing fun for the individual by attracting them to the website by supplying successful chances. It is a well-reputed website where the gamer's joy is the initial issue.
FonBet was introduced previously in 2002. This site is a Russian bookie site. Russia as well as Eastern Europe birth a substantial number of participants of FonBet. This bookie is certified in Curacao. Therefore the certificate, the site detains, UK as well as UNITED STATES consumers are limited from making use of the on-line bookie.
ComeOn became a brand-new bookie website in 2009. It is a secondary firm of Co-Gaming Limited. Malta Pc gaming Authority administrates the site. To operate in the UK, they are accredited from the UK Gambling Compensation. Markets of Scandinavia are the prime focus of the site.
Marathonbet was acknowledged in 1997 as a self -reliant bookmakers site. It is run by Panbet Limited, a firm that is in charge of running retail barters in the UK. This bookmaker website is deeply committed towards the UK members although it is well-reputed worldwide
It is hosting the tremendous variety of sporting competitions regarding greater than 14,000, this site is a significant on-line bookie and has a superb great deal of customers around the continent. Besides offering various high-grade sportsbook events, it designates the players assurance with the modern technology that is comparable to Europe's safety criteria.
This is the primary and the most relied on the site of India. It is an on the internet showing off occasion betting site. The web site is amazing as well as uses straightforward expression. Individuals can select BetBarter versus their competitor whenever. The bargains made by BetBarter protrude the marketplace. BetBarter likewise inspects the internet sites which provide fast payments and also various other feasible means of withdrawals.
Bodog888 is recognized to be a participant of the world-famous gambling enterprise Bodog and is sometimes acknowledged as Bodog Asia. This site gives a huge range of moral online casino and also texas hold'em wagering. It also involves Oriental bettors by sporting activities reserving. This site has gained the distinction by offering the very best performance as well as illustratory attributes. The website supplies the best aid and also rewards.
Arised from Asia in 2016, BetEast asserts to be the most effective expanding wagering brand name. This business offers a substantial range of eSports solutions, casino site and live wagering as well as values subscriptions from worldwide. Its emphasis is to make a dash out there of Europe. The simplicity of the website format hits the customer instantly. The company has a substantial interest in the UK Betting markets. The site offers a comprehensive betting experience with giving a substantial number of on-line port video games.
This company arised in 1999 later on releasing its website in March 2000. It soon became a supply firm and was provided at the stock market. This website is a credible sponsor for worldwide game events. It supplies betting odds on prominent gaming occasions. Followed by more than 4 million customers, it has become one of a kind sports scheduling site in Europe. All the info regarding the wagers placed as well as payouts are offered on their site.
This website offers important odds on pc gaming and also horse racing. The website is compatible with mostly all mobile devices. The website has a substantial collection of slot video games and gambling enterprises for the customers. It additionally features a live gambling establishment with single and multiplayer choices. The website likewise aids the individuals through live Chat.
It is a little gambling establishment on account of the gathered earnings, yet is taken into consideration a hot area. This internet site is readily available in a range of languages. Live betting games are readily available with different payment methods. Live Conversation is not open 24/7 that is somewhat a drawback to the website.
This bookie website, established in 2014, emerges from Australia giving online betting and sporting activities remedies to the clients. This site is a subsidiary of The Celebrity Team. This website formally funds the Australian Football Organization.
This is a South African bookies website established in 2008. The website captivates clients from around the continent. In addition to offering considerable betting games collection online, this site runs 50 land-based stores in Africa. The arrangement with EFC includes in the compatibility of the website.
As opposed to the suitable bookies, Casinia wagered offers fewer choices for online betting as well as video gaming occasions. Still, the considerable contests are offered proper coverage that makes it challenging for the punters to separate between the leading bookies and also CasinoBet sportsbooks.
This is a leading online video gaming website as well as online pc gaming. This website amplifies your exhilaration and gives you with a pleasurable experience with its thrilling wagering system. Customers can challenge themselves and also others with day-to-day and regular promotions.
This site interacts with a large range of video gaming markets. This website supports bitcoins which includes in the variety of individuals around the world. This website has gained significant repute quickly by providing high odds on numerous betting games. It gives its clients with appreciable services.
This is a legally run business in Greece and also declares to satisfy also one of the most requiring clients This is website offers you to bet on above 11,000 sports events taking place on a monthly basis. The site likewise offers excellent probabilities with low price margins to its valuable consumers.
This site is greatly giving a greatly favorable experience to its customers. It is dealt with by passionate staff member intending to offer an outstanding service to the punters. More than 20 sports are available for live betting at this reservation website.
This website is very recommended for scheduling on competition. They supply great recurring offers together with other recognized promos. This is a powerful yet well-assisting platform for on-line betting as well as sportsbooking.
Wager at Home
Bet-at-home is the certified bookie based in Malta and also Austria. Their company went on expanding with the discussion of an on the internet gambling establishment in 2005. They later on developed into a supply partnership and also in 2009 became a part of the Betclic Everest Team. Their management centre is currently at Portomaso Business Tower in Malta as well as is accredited and controlled by the Malta Gambling Payment.
It is just one of the earliest name present in the field of on the internet sporting activities betting, having actually grabbed popularity amongst customers given that its facility right around ten years in the past. Authorized by the UK Gaming Commission, it is just one of the most relied on on-line betting sites available.
One Hash is already the market head in wagering all over the world, with a huge variety of clients in many countries. Their wagering deals pre-competition or online wagering is very broad. Additionally, this manager communicates its online gushing TELEVISION terminal, countless pc gaming competitors.
On a remarkable assortment of video games, a vast array of wagers are used by bookmakers, which are determined based on chance. By wagering on these unique possibilities, a bettor can get money on rewarding wagers. It is consistently the situation that the very best online wagering sites for sports will be those that use the very best prospective benefits.
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