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7 Funding Options You Can Explore To Make Your Business Dreams Come True

A funding nod is a business newbie’s dream come true. With funding, you can get your business off the ground and make things happen.

Funds are the livewire of any business, and a failure to generate any could spell doom for many. There are many ways to raise funds in today’s world, and not the least, crowdfunding is a unique option to explore.

What is Crowdfunding?

Crowdfunding is a fundraising strategy for entrepreneurs and it serves to authenticate the demand for their unique ideas in the market before even starting the production.

The candidate presents his idea to the crowd who, if interested in it, invests in that idea collectively through pre-order buying, investments and even donations.

Crowdfunding is different from the traditional fundraising methods as it doesn’t focus on a single entity for the sake of investment rather multiple small amount investments are contributed by a large group of individuals.

In exchange for this support, these investors, also known as ‘Backers’ are provided with various benefits including:

  • The opportunity to pre-order the product and have the authority to give their opinion in its development.
  • A personal link to the founding team of the project.
  • The chance to become one of the early adopters of the upcoming product.
  • Exclusive offers, like a massive early discount at the product launch.

Every crowdfunding site has different features, like user base and fee, etc. but the core concept is same. You submit your proposal with a goal and deadline and then do online promotion of your campaign, usually through social media.

There are various crowdfunding sites, but we have shortlisted the 7 best of them. Take a look and it will help you to decide which site to choose for the fundraising of your next project.

1.Kickstarter

Launched in 2009, Kickstarter is the most popular and reliable crowdfunding platform to get support for your innovative ideas.

Till now, this platform has funded more than 156,000 successful projects and raised almost $4.1 billion.

It supported different projects like movies, physical products, games, etc. This is basically a reward-based platform where backers are offered exclusive incentives in return for their support. The more a backer invests, the better is the reward for them.

Kickstarter has an all-or-nothing strategy that means you are given access to your raised funds only when you achieve your first fundraising goal.

In case of failure, all the money stays with the backers. Therefore, you will find only unique and high-quality projects here.

2.Indiegogo

Another highly reliable crowdfunding platform is Indiegogo. It supports all types of projects just like Kickstarter but is different in certain aspects. Above all is its feature of the flexible funding goal.

It is up to you whether you choose a fixed funding goal or a flexible funding goal. With flexible funding goal, you will continue to get your funding even if you have not achieved your goal within the deadline.

Another unique and beneficial feature is the Indiegogo InDemand that allows you to raise funds even after your campaign has ended when you are getting ready to complete the order or are in the production phase.

3.Patreon

This unique platform is especially focused on modern creators like bloggers, musicians, cartoonists, YouTubers, live streamers, etc.

This site is specially designed for Internet personalities to run their campaigns and get support from the loyal audience through paid memberships and generate revenue.

You can choose your customers to pay on per month and get special community perks, or on per project basis so that they could give you more incentives for your creation.

If you are a regular creator and have a considerate number of online fans, then you must not delay creating a Patreon page.

4.Crowdfunder (Shopify app)

The Crowdfunder app helps you to raise revenue in its simplest form, i.e. by taking pre-orders as a method to keep your idea validated side by side and fund the production.

The platform can not only be used to raise fund for new product ideas but also help generate money for a cause, and even helps to launch old limited run-products.

If you already have a Shopify store and are willing to launch a new product, then it will be easier for you through this app.

5.GoFundMe

This crowdfunding platform is completely free but is limited for individual supports and generating money for a cause.

As the platform is used usually for personal causes so the backers tend to choose projects of their interest or within their personal networks or to which they are quite familiar.

Though this platform is not for commercial campaigns if you are a small business owner and are going through hard times, you can start a campaign to get help on a personal basis.

6.Fundable

The Fundable is associated with Startups.co and is one of the top sites that has allowed startups to provide equity or reward in exchange for funding.

Startups either offering rewards or equity is highly beneficial for fundraising purpose, as long as you have a solid business plan, a track record of growth and a pitch deck.

It charges a fixed amount of $179 per month in the duration of active campaigns, instead of a specific percentage of the funds.

7.Crowdfunder

At this equity crowdfunding platform, to create a public profile and deal room in order to invite investors you need to buy a per month plan, starting from $299 per month.

But to create a non-public profile you don’t need to pay anything. The network has more than 12,000 capitalists and investors with whom you can connect and raise the capital you desire .

Summary

Crowdfunding is just the first step towards a whole new process of convincing people and raising money for your project.

It takes a lot of effort, preparation, and luck to achieve your goals. With the options presented here, you a breath away from your funding goal.

TD Ameritrade: What is it and how can it change the crypto landscape?

The news made ripples, as often happens in the crypto world whenever any mid to large-size established company jumps in.

TD Ameritrade started a formal crypto division. While the move was somewhat expected, since it had already invested in crypto exchanges, news still left many people wondering: what does this mean?

What is TD Ameritrade?

In order to know whether this move matters or not, we first need to know the company we’re talking about.

TD Ameritrade is a long-established American broker. With almost fifty years in the market, its mission is to help customers both buy and sell all kinds of stocks, funds, and futures.

In other words, Ameritrade is a very large stock trading house, one with established success in the business.

While this might look as just another financial company trying to break into crypto, the type of company matters a lot this time around.

As we have mentioned in many of our articles, the crypto world is a lot like the stock market. Crypto exchanges, and many crypto investors, work in more or less the same way stock traders do.

So when a company renowned for stock trading options joins in, it can’t but be important. The fact that such a company is jumping into cryptocurrencies means two things:

  1. Its managers see a future to cryptocurrencies, and
  2. They feel the market has settled and is stable enough that they can start offering their expertise without risking much.

Both of these things are huge, since many traditional economy-related businesses have shunned crypto, and at times even outright tried to sabotage it.

But TD Ameritrade trades in many things, doesn’t it?

Yes.

TD Ameritrade works both as an exchange of sorts and as an investments company. Its goals aren’t just to commercialize stocks and values, but to help those looking to invest find the right things to invest in.

To attain this, it offers customers several both premade and customized portfolios containing mixtures of stocks, funds, futures, and now crypto its team of experts consider good investments.

The advantage of these services are huge for clients who don’t know the stock market inside out. With Ameritrade’s guidance, they can choose where to put their money following the advice of leading experts in the market.

This helps minimize, although not eliminate, the risk involved in investments.

TD Ameritrade also offers many specialty plans dealing with managing both one’s own finances and one’s economic future. Customers get help not only investing, but also managing their properties and assets. TD Ameritrade thus seeks to help its customers optimize their own portfolios.

For more knowledgeable customers, it also offers personalized portfolios where they can choose exactly what to invest, although always while receiving advice from professionals in the area.

How important is this for crypto? Is it important at all?

In a way, it’s huge.

One of the main problems with cryptocurrencies is driving adoption. Many people who have thought of investing in crypto have found the whole blockchain-related environment much too confusing.

Even people who are used to trading in the stock market can feel taken aback when talking about private wallets, public wallets, wallet keys, nodes, mining, and so on.

With this move, TD Ameritrade is allowing its customers to invest in cryptocurrencies without needing to know all this.

It’s also offering professional guidance in the process, both to minimize the risk any newcomers face and to help them understand how the crypto world moves.

What this means for the crypto world is that as of now millions of accounts managed by Ameritrade can jump into cryptocurrency investments.

This doesn’t mean that many people will, or that they will even display any interest in it, but that they have the option to.

In other words, there’s now a simple way for people not in the know to invest in cryptocurrencies.

So is this a game changer? Is mass crypto adoption about to happen?

Let’s slow down.

TD Ameritrade entering the market is big, yes. But not necessarily as big as to drive mass adoption on its own. This is but another step towards that goal, but there’s still a long way to go.

First, because we don’t know how many of TD Ameritrade’s customers will actually invest in crypto. For all we know, Ameritrade might roll out this platform only to have it fail to attract any relevant interest and become just another offering with relatively low adoption rates.

Sure, the opposite might happen. It’s always possible Ameritrade’s customers will be thrilled to hear they can now invest in crypto and rush to their services, causing the beginning of a new crypto rush that drives all prices up and leads to a golden age of cryptocurrency.

But being honest, that’s very unlikely. However, TD Ameritrade’s VP has stated his company’s customer base is very interested in crypto investments.

Whether this is true or just a comment to hype up the crowd and help drive adoptions we can’t know, although it does mean the firm is expecting their new program to do well.

So, to be honest, we should keep our expectations tempered about this. It’s a big thing simply because it marks a new household-level investment company joining the crypto world.

This means trust in the market is growing, which at the same time means we’re one step closer to mass adoption. It also will help drive more crypto adoption, but you shouldn’t expect it to cause a rush.

Can I buy any crypto I want with TD Ameritrade?

No, you can’t.

TD Ameritrade, and most brokers, will only trade in select stocks considered by their experts to have relatively low risk.

While it does have high-risk offers, they’re usually offered only to clients who specifically look for them, and even then, they tend to come from already curated lists that ensure a certain degree of predictability.

This is because Ameritrade, as any brokers do, wants its customers to have some success in their investments.

It doesn’t look good for a broker to have many clients who end up losing their investments, particularly if they count the elderly among their main demographics.

So even when offering “risky” investments, TD Ameritrade will want to limit the risk.

The crypto market, as we know, isn’t particularly stable. Any crypto investments offered by Ameritrade will be considered high-risk right away, due to the unpredictability of the market. Allowing customers to invest in about any coins will only make it worse.

There’s another reason to limit their crypto offerings. As of November 2018, there were over 2,500 available cryptocurrencies.

That’s a ridiculous number, and making customers browse through such a list trying to understand what each of them is and get a grasp of the risk involved wouldn’t be an option for any brokers.

Also, the vast majority of those cryptocurrencies would make for really awful investments nobody would ever recommend even to their worst enemies.

In the spirit of making it easier for their users to understand what they’re getting and to avoid them going bankrupt, TD Ameritrade is for now only offering Bitcoin and Litecoin.

Is there any logic behind these choices?

Yes, although it might not be the kind of logic most crypto users would follow.

Bitcoin is there mostly because it’s easily recognizable. Also, because it’s been relatively stable over the past year, with a tendency to rise the last couple months. But most of all, people know about it.

General media often uses “bitcoin” to mean cryptocurrencies in general, and while most people might not know what Ethereum or Ripple are, they do have a grasp of what Bitcoin is. After all, it was all over the news just a year and a half ago.

Bitcoin is indeed unstable, outdated, slow, and it will never become the crypto for widespread use. We know that. But many of the people looking into crypto will go straight for Bitcoin, because that thing was once worth almost $20,000 each.

Also, Ameritrade is offering crypto as an investment solution, meaning users getting it through them will mostly be parking it.

They won’t buy and sell stuff with it, since that’s not the goal its customers are after. Since Bitcoin is well-known and has kept a stable price with a tendency to rise this past year, it’s an easy choice.

As for Litecoin, it has been on the market for long, has a decent price record, and once again has been rising this last year.

Being a fork of bitcoin, it also isn’t likely to ever attain mainstream use. But once again, this is investment. These people will see it as a value, not a proper currency.

The fact that Bitcoin’s value is mostly based in expectations and isn’t actually tied to anything other than public perception doesn’t matter either. As long as its value keeps going up, people will want to invest in it.

Will this affect the market?

It sure does.

Part of Bitcoin’s rise over the past two months can be attributed to this, among other things. BTC is currently experiencing a bit of a renaissance thanks to several projects being launched around it.

The fact that the crypto market is quickly growing into maturity and BTC’s price is basically an indicator for public trust in crypto also helps.

Should we expect this rise to continue?

We can’t tell. There are currently actors predicting another BTC rise, along with a rush to $50,000, but the last time such a thing was predicted it was quickly followed with a crash once the bubble burst.

Since bitcoin’s nature is that of a bubble, it’s better to remain wary of any extremely positive predictions.

It might even not be in the crypto world’s best interests to have Bitcoin grow too much, in fact. BTC is known for being outdated, and the sooner another, newer crypto takes over the market the better.

BTC reaching a ridiculously high price will make this very, very difficult – which would in turn make widespread use and adoption of crypto about as difficult.

On the other hand, BTC creating another bubble and bursting would be even worse. Crypto already had a terrible 2018, and it’s only now recovering and making it to the news again.

Another quick price drop would erode public trust in crypto in general, which would greatly slow down general adoption for crypto.

The best we can expect is for BTC to keep rising… a bit. And then stabilizing. A stable market is a requirement for widespread adoption and use.

People can’t trade using a coin that’s constantly changing its value, after all. BTC stabilizing would help bring stability to the market as a whole, which might lead a few high-profile companies to start accepting some cryptocurrencies for payments.

If enough of these companies do so, we’ll start seeing widespread use of crypto.

Adolph Obasogie is the CEO of Harrison Global Capital. Get firsthand info from help@harrisonglobalcapital.com

Hail A Ride, Rideshare, And the Fundamentals of Blockchain Intervention

Rideshare needs a redefinition, and blockchaincan make a difference.

The Need for a Blockchain-Driven Ride Share

Anybody with a smartphone and one of these company’s application can easily communicate with logged drivers to order for rides that correspond to the routes of operation of that particular driver. 

It is general knowledge that ridesharing has gradually crept into our lives and culture and become integrated into our daily movement and way of operation. 

The application network serves as a platform to develop a sense of responsibility and trust between the drivers and the passengers.

There are now companies that have risen above order and serve as the frontier for this industry.  Companies like Uber and Lyft have erupted in popularity and financial alike.

The Multi-billion Dollars Business

Typically, companies like Uber and Lyft has become household names and risen to the status of top brands and companies to be reckoned with around the world.  

They are the top players in the space of ridesharing, with Lyft being valued at $15.1 billion and Uber valued at about $72 billion.

Those are large chunks of market share and these platforms have weathered the storms of criticism until now.

Although opposition to ridesharing services has come under the light of skepticism in functionality and structure, more needs to be done.

Uber, for example, being banned in major cities around the world like Barcelona, Vancouver, Frankfurt, and some other cities. 

The major antagonists to ride share service companies have been Public transport services and Taxi companies, as ridesharing takes away a large chunk of their consumer market. 

Although right now, is not an only taxi and public transport companies that they have to be cautious about because they are on a route to being out of the market by new innovative companies using Blockchain technology to revolutionize the space. 

These big companies hence face a giant hurdle in terms of Blockchain technology and how it can seriously hurt their business model.

What Does Blockchain Do?

Blockchain has become quite popular in today’s world probably because of bitcoin and it’s outrageous pricing in 2017, but let’s talk about the blockchain framework itself.

 So, blockchain offers a decentralized, open, and distributed ledger that records transactions between two entities inaccessible, retrievable and permanent fashion.

 Each of this growing transaction is linked to one another using cryptography.  These transactions are extensively secure and usually do not require the third party and hence are more cost-effective.

They could be much cheaper than traditional ridesharing platforms and therein lies the punch that could potentially knock out the big players like Uber and Lyft.

How Blockchain can Influence Ride Share

Talk about a disruption much like the Internet did in the late 1990s or the airplane by the Wright brothers in 1903. 

Blockchain is here to stay and is currently reshaping and redefining the ways people view and understand companies & industries today. 

The ridesharing landscape is not left out on the list of industries being disrupted.  Of course, the only major hold back for now is worldwide adoption of Blockchain and cryptocurrencies.

These companies, Uber, Lyft, Wings & Sidecar operates a centralized system.  They are actually called Aggregators because what they do is, they serve as intermediaries between the drivers and potential customers.

The customers or passengers order for a ride on the company’s application on their smartphones with specific directions and the company supplies a list of drivers with different ratings for you to select from.  

Then you choose the driver and pay through the same application on your smartphone.

The company then receives the money, take a percentage and pay the driver. Hence these companies serve as a centralized site for the linking and completion of the transaction.  

They usually have the software, routers, and servers for reception and distribution of these orders.

What the blockchain framework can do in this space is to eliminate the middlemen or intermediaries, in this case, being Uber, Lyft, or Wingz. Blockchain creates a decentralized ledger that stores transactions securely in blocks.

And each block having a time stamp of the previous one so that they are linked, and one cannot be accessed without going through the other.  Hence, this provides a fortified and impenetrable network.

Due to the fact that the data is not stored in one place but dispersed through a network of computers, there is no aggregator or centralized unit needed.

Providers of driving services can simply provide a profile of the routes they cover ratings by previous customers, charge, and connect straight to passengers on the blockchain platform 

The passenger can request a service, then the Blockchain platform could filter according to the categories and produce a list from which he can choose from. 

Although there are still some touches to be added to this model before it becomes functional. But it’s a highly better alternative to the traditional. 

The transaction or payment end can be done through the peer-to-peer payment technology already built into the system.

Regulation of Ride Share Companies

These rides share service companies have come under heavy criticism to be regulated by a designated government body.

Reason being that there has been reports of cases where drivers have assaulted and been violent toward passengers, there has also been much talk over the inspection  of Uber vehicles to ensure the safety of users of the platform and insurance coverage of the vehicle.

Also, there is the fee that the companies deduct from the payment before paying the drivers.

All these can be highly minimalized with blockchain as there would be little or no charges as the transaction would occur directly between the drivers and passengers, and there would be more stringent measures to monitor insurance covers and the general safety of Users.

Conclusion

It is certain that the ridesharing space is going to disrupt as the full adoption of Blockchain services begin to play out in the coming decades and traditional rideshare service companies need to take note of this or else they would be out of business by this force.

Blockchain-driven rideshare service is going to be a plus to the services being offered and hopefully, will be the change that people want to see.

The World of IEOs: All You Need To Know

IEOs have emerged as the successor to ICOs in a number of ways. What are the areas of difference if any?

What Is an Initial Exchange Offering (IEO)? Is It the New ICO?

The Initial Exchange Offering(IEO) has been making headlines while catching the attention of investors, traders, exchanges, and project teams following Bitcoin value decline and the ICO fad cool off in 2018.

In 2019, already 32 of the 47 IEOs listed on ICObench have launched while the completed IEOs having raised over $159 million.

Currently, some of the best cryptocurrency exchanges platforms such as Binance, OKEx, Bitmax, Huobi, KuCoin, and Bittrex have already conducted their own IEOs.

And after launching, the majority of these IEO’s have shown much promise after being listed on the exchanges.


What Is an Initial Exchange Offering (IEO)

An initial Exchange Offering is an improvement of the ICO concept that is conducted on a cryptocurrency ecosystem.

Different from ICO, the cryptocurrency exchange administers the IEO on behalf of the token issuer looking to raise capital with its new tokens. These tokens are later listed on the cryptocurrency exchanges.

Unlike the ICO where the investor deals directly with the startups, in IEO, the risk of transactions are transferred from the investors to the exchanges.

This innovation helps to eradicate the chances of phishing, and DDoS among other malicious attacks.

The startup or the token issuer agrees with the cryptocurrency exchange on terms such as fees, and issuance volume and price among other factors.

Investors are then allowed to buy the tokens directly from the cryptocurrency exchanges after completing the KYC procedures.


What are the advantages of IEOs?


A successful IEO has the potential to raise millions for token issuers, investors, and trading platforms. Here a few advantages of IEOs.


● Trust

Trust is one of the major advantages of IEOs. Usually, the crowd sales are conducted on the crypto exchange platforms while the counterparty seeks to screens all the projects looking to be launched on its website.


According to cryptocurrency exchanges, these steps are essential in maintaining a good reputation. Therefore, IEOs can help to eradicate major threats such as scams and dubious projects from raising capital.


● Security

Security is of paramount importance, especially when dealing with money. With IEO, the safety of both the investors and the issuers is prioritized.

When it comes to crowdsale security, the exchange manages the IEO’s smart contracts as well as the KYC/AML processes. In most cases, services providers do KYC/AML on their clients after creating their accounts.

Token issuers do not have to worry about crowdsale security as the exchange is managing the IEO’s smart contract.

The KYC/AML process is also handled by the crypto exchange as most service providers do KYC/AML checks on their participants.

Besides that, investors’ security is not compromised since the exchanges get rid of all ineligible projects that potentially pose risks to investors.

Therefore, a secure investment ecosystem is guaranteed to large extent..


● Frictionless process

Regardless of your knowledge in the cryptocurrency industry, you can freely contribute and participate in the IEO platform.


● Guaranteed Exchange Listing

IEO tokens on the exchanges enjoy near-instant listing soon after the launch.

● Credibility

Cryptocurrency exchanges carefully get all their token issuers to guarantee the quality of their offerings. To maintain their reputation, exchanges can only list credible startups.

This means that these startups have to undergo intense diligence which highly reduces the chances of startups being unveiled as scams.

Upcoming and recent IEOs

A number of IEO tokens launch have already taken place, and still, there are other ongoing and upcoming IEOs in the market.

In fact, only time can tell how far the IEO fad will go. You will note that each of these projects focuses on unique offerings.

● Matic Network

Matic Network is designed to solve the problem of scalability on today’s Blockchain network applications. It launched on Binance exchange recently.

For instance, scalability is said to limit the ability of developers to optimize their dApps(decentralized applications) fully. This will help and encourage developers to earn cryptocurrency with dapps.

Besides improving the scalability of cryptocurrency platforms such as Ethereum, Matic network aims at improving the speed of block confirmations which will in return reduce gas fees.

The network is further designed to help simplify and make the user experience of the Blockchain network user-friendly.


Here are a few of the Upcoming IEOs in the market today.
● Traceto.io

According to the traceto.io developers, this project is aimed at building a solution on the KYC segment in the crypto market.


The traceto.io team plans to make use of a combination of smart contracts and artificial intelligence to come up with a solution that will streamline the KYC process.

● Evedo

Evedo project is aimed at leveraging the technology in event organizing. In other words, Evedo is designed to bring together all the users that make up the event organizing ecosystem.

How to participate in an IEO?

Currently, IEOs are relatively rare in the market unlike the number of cryptocurrencies on the economy.

However, it’s not difficult to find the right one. So, the first step at participating in an IEO is identifying the IEO of your choice.

Secondly, identify the cryptocurrency exchange platforms that are hosting the crowdsale. Note that, there can be more than one exchange, but you only have to choose the exchange that fits your needs.

After identifying the exchange of your choice, sign up for an account. You will go through their whitelisting and Know Your Customer-KYC procedures.

Additionally, since IEO uses cryptocurrencies to raise funds, check the cryptocurrencies that the exchange accepts and fund your account appropriately.

You can use trading bots to buy the allowed cryptocurrencies if you aren’t familiar with the crypto industry.

Lastly, wait for the IEO to launch for you to purchase your token. Most exchanges allow you to use various cryptocurrencies such as Bitcoin, Ethereum, and Dash among others.

Below are some exchanges that have already launched their IEOs.

Final words

Initial Exchange Offerings might to the solution to many ICO failures, scams, and sub-optimal projects offerings.

Binance, together with other cryptocurrency exchanges are aiming at using the IEOs to guarantee a safer working environment for both issuers and investors.

IEOs will also increase the growth of cryptocurrencies for global financial market by expanding the market scope and the level of trust.

Indeed, IEOs have the capabilities of becoming a standard model for future startup fundraising while encouraging the development of quality projects.

As A Cryptocurrency Trader or User, For Your Security ,You Must Know These 3 Common Hacking Routines

As a crypto user, you should be up to speed with the latest hacking trends so that you do not fall prey.

One of the main features of cryptocurrencies, as per their proponents, is security.

According to them, breaking into your crypto wallet is impossible, and crypto offers a level of security no bank ever has or will.

Yet cryptocurrency gets stolen anyway.

Not only does it get stolen, but generally, quantities stolen amount to millions.


So which one is true? Are cryptocurrencies secure or not? That’s a complex answer. Cryptocurrencies are secure by design.

Nobody can access your wallet without your permission, and stealing somebody’s crypto wallet is worthless since you’ll be unable to access it.

That doesn’t mean there are no ways to access it, though. Generally, however, people stealing crypto don’t hold you at gunpoint and ask for your precious Bitcoin.

Instead, they attack apps or sites you trust, or masquerade as useful, perfectly clean services.

1.They target crypto exchanges

Individual theft of cryptocurrency happens. However, the most common way for cryptocurrency thieves to obtain your hard-earned crypto is by hacking into exchange sites.

Crypto exchange sites operate in particular ways, since they allow you to have a wallet with them where you can deposit and exchange currencies.

Therefore, you could think of these sites as huge crypto banks.

Since bank robbing has been the pastime for thieves for centuries, you’ll understand why this attracts them.

Generally, these hacks take a long time. A hacker will identify a vulnerability in the website’s code or functioning and use it to slowly gain access to user accounts.

Once he has it, he has to just transfer money to his account and run off with it.

TIP: Don’t leave crypto lying around in exchange sites. You want a private wallet to hold whatever crypto you’re saving, and you want to have it away from the internet.

The only money you must have in crypto exchanges is money you’re using or going to use soon.

2.They log your keys

Many people think spyware is a very 2004 thing. We have come a long way regarding computer security, with most systems coming with built-in anti-spyware, anti-keylogger features.

They’re basically parts of anti viruses now, so we should be able to do as we want, and the system should catch anything wrong.

Except that it won’t catch anything!

The way antiviruses or antispyware systems work is simple: They scan your system for known malware.

They have huge databases of how to identify and remove malware and go through it as they perform a scan. That’s about it.

Some have also extra features allowing them to scan running processes, trying to catch suspicious activity or programs attempting to gain permissions they don’t have.

So if a keylogger tries to run without your permission, they should catch it and-

We only wish it were that simple. In most cases, keyloggers come disguised as other software. When you install that software, they ask for permissions, and you happily grant them.

Your local antimalware sees it, but it notices it has your permission and the software isn’t in their database (yet.) So it lets it through.

And that’s how you get your keys logged. Once they log your keys, it’s simple for them to obtain your private key, access the blockchain as you, and do some good old stealing.

TIP: Don’t install things you can’t trust. Assume you can’t trust anything unless there’s enough proof of the opposite.

3.They go Trojan

Remember about the Trojan horse? How Troy was invaded by a bunch of men inside a huge horse the Trojans let in?
The same thing can happen in computers. Not every software is what it

seems. Particularly if that software is meant to handle sensitive data.

What this means is, some people will code software that looks like something genuine while instead doing something else. Sometimes the software will even do what it says it does… and a million other things.

In cryptocurrencies, it’s common for hackers to code amazing new wallets.

They come with offers and promise lots of things. They seem better than anything out there, and many times they work at first.

Until one day the hacker grabs all those private keys users stored in those wallets and uses them to rob them blind.

This type of hack with fake wallets is more common in Android and other mobile devices, but it can happen anywhere.

TIP: Don’t install new, “amazing” wallets. If it looks too good to be true, it’s probably very good at stealing your crypto. Only trust wallets the community has reviewed extensively.

Conclusion

The Internet age came with lots of convenience as well as severe threats. Same goes with the era of the blockchain.

Hackers roam the cyberspace always, looking for whom to devour.

As a crypto trader, stay alert always, and you will keep hackers at bay.

The 7 Must-Know Rules of Cryptocurrencies and Stock Market Investment

The 7 rules of cryptocurrencies and stock market investment will help you minimize your losses and maximize your gains.

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Investors looking to make big profits from investing in stocks and cryptocurrency can be successful as long as they do it wisely.

For instance, investing in stocks and cryptocurrencies is time sensitive.

You have to make sure that the time is right. Besides investing at the right time, you will need exceptional investment strategies.

Only the most disciplined and skilled investors run away with the big profits. Although both stocks and cryptocurrencies have similar foundational investment principles, they are quite different. Here is how:

Stocks


Stocks are shares issued by listed companies and sold to investors as equity. Usually, the stock market or exchange is responsible for the various activities of investing, buying, or selling stocks.

In most cases, investors buy stocks intending to hold them for the long-term. Long-term investment of assets tends to pay much bigger profits as compared to short-term investments.

And unlike cryptocurrencies, investors who buy stocks are often paid dividends for the shares they hold. At average, stocks generate about 7% ROI year on year.

Cryptocurrencies

Cryptocurrencies are digital currencies without any physical presentations. Cryptocurrencies operate under Blockchain technology, and anyone can buy, trade, or sell them. This makes the market very risky and highly volatile to invest in.

Unlike the stock market, cryptocurrencies trading lack regulation as they lie in decentralized non-governmental nature.

Anyone regardless of their nationality can trade in cryptocurrencies. In fact, trading in Bitcoin is quite fast. For instance, using the Bitcoin lightning Network, Bitcoin transactions are almost instant with deficient fees.

To invest in Bitcoin, you need to do thorough research about the crypto industry. Otherwise, you may invest and end up losing all your investments.

In fact, most investors who trade cryptos use them as a store of value to allow them to appreciate.

Here is a stock and crypto trading guide to use if you want to invest successfully.

Rule 1: Know the basics

If you are beginning, it’s highly likely that you are eager to trade but don’t rush it. It’s vital to educate yourself thoroughly before investing.

Research the basics of the cryptocurrency industry including the Blockchain technology to fully understand how Bitcoin works. The same applies to stocks.

You have to familiarize yourself with certain investment terms such as circulating versus total supply, trading exchanges, inflation, Bitcoin wallets, and public and private keys among others.

If you can’t answer any basics questions related to such terms, then it means you aren’t well prepared to trade. Learn the basics first or seek the help of an expert.

Rule 2: Buy and hold

The easiest and most profitable investment strategy for trading both stocks and cryptocurrency is to buy and hold. Like Bitcoin investment, it may require you to hold your funds for some time.

However, it’s necessary for you to set up a specific trading rule. Of course, you can’t hold your stocks or coins forever. For Bitcoin, it was a wise decision to sell it when it went up to $20,000.

Investors who didn’t sell at that price may have missed their opportunity while hoping that it would rise higher. So, set a target and stick by it.

Rule 3: The fundamental analysis strategy


Fundamental analysis is a method of evaluating an asset by examining related financial, economic, and other qualitative and quantitative factors in the attempt to measure its intrinsic value.

Warren Buffett, one of the richest men in the world claims that this strategy is one of the best investment tools in the stock market.

Besides analyzing the financial factors of a particular asset, this method also uses the price to calculate the price to earnings ratios, and trends among others.

With such information, the investor can compare different assets and cryptocurrencies including Bitcoin. Therefore, they can make an informed investment decision.

Rule 4: The dollar cost averaging strategy

This strategy requires you to buy a certain amount of stocks or cryptocurrencies like Bitcoin each week or month.

This reduces the chances of buying high which may lead to massive losses, especially in the cryptocurrency market.

Investing in small amounts over time will keep your investment accumulating as time goes by. And, when the prices begin to rise, it will attract more buyers which in return will increase volume.

On the other hand, investors who bought Bitcoin at $20,000 are still facing massive losses as it’s currently trading at approximately $5300.

According to experts, it’s now a great time to try and invest in Bitcoin before its value rises again.

Rule 5 :Don’t overtrade

Stock and cryptocurrency investments have made some investors millionaires, if not billionaires. That said, most people want to become millionaires within a fortnight which in most cases is not practical.

For instance, many beginners may want to make about 20 trades a day which is, of course, very dangerous. At the end of the day, most of such investors end up losing a lot from fees or bad trades.

Stock and cryptocurrency investment is very risky, and once you make a mistake, you may end up losing more while trying to recover.

So, unless you are for sure an expert, there aren’t 20 or more trading opportunities within a day. Trading too much only leads to poor decision making and further losses.

Rule 6 : Don’t invest your life saving

The rule number one of investing primarily in cryptocurrencies is that you should never invest more than you are willing to lose. This means that you can’t use a loan or your life savings to buy Bitcoin.

Although investing can make you rich, only place whatever amount of money you are ready to lose. This way, whether the prices of your assets or tokens keep on swinging up and down, you will remain calm.

Otherwise, if you place more than you are willing to lose, you may end up in a hospital bed.

For instance, investors who bought Bitcoin at $20,000 are already regretting their decision as Bitcoin value is far way less than what they purchased it at.

Rule 7: Diversify your portfolio

Diversifying your portfolio not only means holding several cryptocurrencies or stocks.

Given the high volatility of the cryptocurrency market, it could be a wise decision to invest in both stocks and bonds as well as cryptocurrencies.

On the other hand, if you choose to invest in either stocks or cryptocurrency, make sure you diversify further.For instance, if you are considering Bitcoin investing, invest in other coins too like Ethereum and Bitcoin Cash.

Looking Ahead

There is limitless room for opportunities in both the stock market and cryptocurrency investment. But, to succeed, you need to understand the market and yourself.

For instance, there some investors who like risky investments, others are conservative, while others prefer both high-risk and conservative trading.

Therefore, before investing in either Bitcoin or the stock market, be sure about your risk tolerance. It will dictate how successful you will be.

At the end of the day, it’s entirely you that decide the best route to take towards building an impressive investment portfolio. Talk to us today for more leads.

Here are the Leading Business and Work Apps That Make A Difference in Today’s World

Some apps are making the dreams of the digital nomad possible. You can live under the Cayman sun while working for that Miami or Silicon Valley startup. It is 2019, and dreams are becoming a reality.

Today’s world is driven by digital technology, and there is no doubt about this. Now, you can work with a team whose members are in different parts of the world.

How this works is simple, and thanks to the leading apps that are making this possible.

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Work and Collaboration Apps

If you are running an Internet or project-based company, you might want to consider some leading collaboration apps.

Slack and Trello come up as a ready mention. While these two share similar features they can be used together for best results.

On slack, you can enjoy messaging and updates with ease. For a team that is less than 10, you do not have to pay anything to get the best out of this app.

For Trello, the work updates, files and images can be easily seen, revised and scheduled.


All that you need to use these apps is a ready email account that will enable you to register, and you can then add team members afterwards.

Compared with Facebook and Google Messengers or hangouts, you can avoid external distractions when using Slack and Trello.

You will be focus on your task at hand and shut out social media updates while you work.

Discover The Apps That Are Connecting Our World Even More


The modern world has been transformed by the power of the Internet such that our way of life has changed in countless ways.

Telegram


Telegram is making a difference that can be considered unsung. The successes recorded by the launch of cryptocurrencies and ICOs can be partly attributed to the ease of use of Telegram.

This app shares the same name with the good old Telegram used ages ago to send messages between parties.


In today’s world, Telegram is available for use around the world with a simple download from your iOS or Android stores.

With a mobile phone number, your account can be verified to enable you use the full functionality.


Instant messages can be sent between parties, and online communities can be built with this app.

The good fortune is that no matter where you live on earth, you can join any community you want.

What better way to share, collaborate, and reach new talents across the globe.


Other Apps

The modern world has been transformed by the power of the Internet such that our way of life has changed in countless ways.

These changes are not only social, but also political and economic. Many known apps that are connecting our world even more than what most people realize are available on most mobile devices.

LinkedIn


LinkedIn is among the apps that are connecting our world even more. It is a networking app for professionals.

And this is designed in such a way, that your skills, education and work history becomes the building blocks for the network you develop or join.

Professional groups or associations have their networks on LinkedIn and their members can easily become active using this app.


This app is available across mobile devices and can be downloaded on IOS and Android.


Twitter


Twitter is a popular app people use to post messages online. What you post on your twitter page, also known as timeline, can be seen across the globe.

People who share your interests and persuasions can become your ‘follower’ by clicking the follow button.


People from the other side of the world’s time zone can become acquainted with you on this platform even though you never met physically.

No doubt Twitter is one of the apps that are connecting our world even more.


Facebook


The Facebook app is also available on mobile devices and other web enabled devices across the globe.

It is presently the most successful social app with more than 1 billion active users.


Users from Africa, Asia and Australasia have find friends across the world in America, Europe and the Middle East that they would never have been acquainted at any time in their lifetime.


Facebook has helped many people to find business links they never could have dreamt of. What ease this brings about!

There is no doubt that Facebook is one of the apps that are connecting our world even more.