Crypto TREND – Second Edition

In the first issue of CRYPTO TREND, we introduced cryptocurrency (CC) and answered a few questions about this new market space. There is a lot of NEWS in this market every day. Here are some highlights that give us an idea of ​​how new and exciting this market is:

The World’s Largest Futures Exchange to Create a Bitcoin Futures Contract

Terry Duffy, president of the Chicago Mercantile Exchange (CME), said: “I think sometime in the second week of December you will see our [bitcoin futures] listing contract. You can’t short bitcoin today, so there’s only one way. You either buy it or sell it to someone else. So you create a two-sided market, I think that’s always much more efficient.”

CME intends to launch bitcoin futures by the end of the year pending regulatory review. If successful, this would give investors a viable way to go “long” or “short” Bitcoin. Some exchange-traded fund sellers have also filed for bitcoin ETFs that track bitcoin futures.

These developments could allow people to invest in the cryptocurrency space without owning CC directly or using the services of a CC exchange. Bitcoin futures can make the digital asset more useful by allowing users and intermediaries to hedge their currency exposure. This could increase the adoption of the cryptocurrency by merchants who want to accept payments in Bitcoin but fear its volatile value. Institutional investors are also accustomed to trading regulated futures that do not suffer from money laundering.

The CME dip also suggests that Bitcoin has become too big to ignore, as the exchange seemed to shut out crypto futures in the recent past. Bitcoin is pretty much all that brokerage and trading firms are talking about, which has suffered amid a bullish but unusually calm market. If the exchange’s futures took off, it would be nearly impossible for any other exchange like CME to catch up, as scale and liquidity are important in derivatives markets.

“You can’t ignore the fact that this is becoming more and more a story that won’t go away,” Duffy told CNBC. There are “massive companies” that want access to bitcoin, and there is “tremendous pent-up demand” from customers, he said. Duffy also believes that bringing institutional traders into the market could make bitcoin less volatile.

A Japanese village will use cryptocurrency to raise capital to revive the town

The Japanese village of Nishiwakura is exploring the idea of ​​holding an initial coin offering (ICO) to raise capital to revive the municipality. This is a very new approach and they can seek national government support or seek private investment. Several ICOs have faced serious problems, and many investors are skeptical that any new token will have value, especially if the ICO turns out to be another joke or scam. Bitcoin was certainly no joke.


We didn’t mention ICOs in the first issue of Crypto Trend, so let’s mention it now. Unlike an initial public offering (IPO), where a company sells an actual product or service and wants you to buy shares in its company, an ICO can be conducted by anyone who wants to initiate a new Blockchain project with the intention of creating a new token on their chain. ICOs are not regulated and some have been fake. However, a legitimate ICO can raise a lot of money to fund a new Blockchain project and network. Usually for ICOs, a high token price is generated at the beginning and then it soon comes back down to reality. Since ICOs are relatively easy to do if you know the technology and have a few dollars, there have been a lot of them, and today we have about 800 tokens in play. All of these tokens have a name, they are all cryptocurrency, and except for the very famous tokens like Bitcoin, Ethereum, and Litecoin, they are called altcoins. At the moment, Crypto Trend does not recommend participating in ICOs as the risks are very high.

As we said in Issue 1, this market is now the “Wild West” and we recommend caution. Some investors and early adopters have made big profits in this market space; however, there are many who have lost much or everything. Governments are considering regulations because they want to know about every transaction in order to tax everyone. All of them have huge debts and no money.

Until now, the cryptocurrency market has avoided many government and conventional banking financial problems and pitfalls, and Blockchain technology can solve many other problems.

A great feature of Bitcoin is that the creators chose a finite number of coins that can be generated – 21 million – thus ensuring that this cryptocurrency can never be inflated. Governments can print as much money (fiat currency) as they want and inflate their currency to death.

Future articles will cover specific recommendations, however, make no mistake, early investments in this sector will only be directed at your most speculative capital, money you can afford to lose.

CRYPTO TREND will be your guide if and when you are ready to invest in this market space.

Stay tuned for updates!

Initial Coin Offering (ICO) Overview

An ICO is an unregulated fundraising tool for various cryptocurrency businesses. It’s what startups use to bypass the regulated and rigorous capital raising process required by banks and venture capitalists. In such a company, a set percentage of the cryptocurrency is sold to the project initiator very early for other cryptocurrencies or legal tender.

How it is done

If a firm wants to raise money through an initial coin offering, there should be a white paper plan outlining the details of the project. It should define what it is about, what it needs, what it aims to accomplish. It should also state the amount of money that will be needed to carry out the entire enterprise and how much the pioneers will get to keep.

The plan should also specify which currency is accepted and how long the campaign is planned to run. During such a campaign, supporters and enthusiasts of the initiative will buy crypto-coins using virtual currency or fiat. Coins are called tokens and are very similar to shares of companies that are sold to investors during an IPO. If the minimum required funds are not reached, then the money is returned and the entire ICO is considered unsuccessful. If the requirements are met within a set period of time, the money can be used to start the scheme or even to complete it if it is still developing.

Investors who take part in a project at an early stage are mainly motivated to buy cryptocurrencies in the hope that the plan will be successful and that they will benefit more from it after the launch. Such projects have been very successful in various economies and this is the main thing that motivates investors.


ICOs can be compared to crowdfunding and IPOs. As with an IPO, a start-up company must sell a stake in order to obtain funds to help the company’s operations. The only difference is that IPOs work with investors, while ICOs work closely with supporters who are very interested in new projects, just like crowdfunding events.

However, ICOs differ from crowdfunding in the sense that ICO proponents are usually motivated by the prospect of a large return on investment. Funds raised through crowdfunding are mostly donations. It is for this reason that ICOS are called crowdsale.

There have been many successful transactions so far. ICOs are an innovative tool in our digital age. However, it is important for investors to take precautions as some companies can turn out to be scams. This is because they are highly unregulated. The funding bodies are not involved, and if you lose funds through such initiatives, it is difficult to follow up to get compensation.

For this, there are some regions that do not allow ICOs at all. It is important to buy such currency only from verified sources to be safe.

How to Trade Cryptocurrencies – The Basics of Investing in Digital Currencies

People from all walks of life are investing in digital currencies, whether it’s for the very idea of ​​cryptocurrencies or to diversify their portfolio. If you’re new to the concept and wondering what’s going on, here are some basic concepts and considerations for investing in cryptocurrencies.

What cryptocurrencies are available and how can I purchase them?

With a market capitalization of around $278 billion, Bitcoin is the most popular cryptocurrency. Ethereum is in second place with a market capitalization of over $74 billion. Besides these two currencies, there are a number of other options, including Ripple ($28 billion), Litecoin ($17 billion) and MIOTA ($13 billion).

Being the first to market, there are many Bitcoin trading exchanges around the world. BitStamp and Coinbase are two prominent exchanges in the US. is a recognized European exchange. If you are interested in trading other digital currencies along with Bitcoin, then the crypto market is where you will find all digital currencies in one place. Here is a list of exchanges based on their 24-hour trading volume.

What are my money storage options?

Another important point is the storage of coins. One option, of course, is to store it at the exchange where you buy them. However, you need to be careful when choosing an exchange. The popularity of digital currencies has led to the emergence of many new, unknown exchanges. Take the time to do your due diligence to avoid scammers.

Another option you have with cryptocurrencies is that you can store them yourself. One of the safest options for storing investments is hardware wallets. Companies like Ledger allow you to store bitcoins and several other digital currencies.

What is the market and how can I learn more about it?

The cryptocurrency market fluctuates a lot. The volatile nature of the market makes it more suitable for long-term play.

There are many well-known news sites that report on digital currencies, including Coindesk, Business Insider, Coin Telegraph, and Cryptocoin News. In addition to these sites, there are also many Twitter accounts that talk about digital currencies, including @BitcoinRTs and @AltCoinCalendar.

Digital currencies aim to disrupt the traditional currency and commodity markets. Although these currencies still have a long way to go, the success of Bitcoin and Ethereum has proven that there is real interest in the concept. Understanding the basics of cryptocurrency investing will help you stay on track.

Fear not, China is not banning cryptocurrency

In 2008, after the financial crisis, a paper titled “Bitcoin: A Peer-to-Peer Electronic Cash System” was published, detailing the concepts behind the payment system. Bitcoin was born. Bitcoin has gained world attention due to its use of blockchain technology and as an alternative to fiat currencies and commodities. Touted as the next best technology after the Internet, blockchain offers solutions to problems we have been unable to solve or ignored for the past few decades. I won’t go into the technical side of this, but here are some articles and videos I recommend:

How Bitcoin Works Under the Hood

A gentle introduction to blockchain technology

Have you ever wondered how Bitcoin (and other cryptocurrencies) actually work?

Fast forward to today, February 5th to be exact, the Chinese authorities have just introduced a new set of regulations banning cryptocurrency. The Chinese government already did this last year, but many of them went through foreign exchanges. It has now enlisted the all-powerful “Great Firewall of China” to block access to foreign exchanges in an attempt to prevent its citizens from conducting any cryptocurrency transactions.

To learn more about the Chinese government’s stance, let’s go back a couple of years to 2013, when Bitcoin was gaining popularity among Chinese citizens and prices were skyrocketing. Concerned about price fluctuations and speculation, the People’s Bank of China and five other government ministries issued an official notice in December 2013 titled “Bitcoin Financial Risk Prevention Notice” (link in Chinese). Several points were noted:

1. Due to various factors such as limited supply, anonymity, and lack of a centralized issuer, Bitcoin is not an official currency but a virtual commodity that cannot be used on the open market.

2. All banks and financial institutions are prohibited from offering Bitcoin-related financial services or engaging in Bitcoin-related trading activities.

3. All companies and websites offering Bitcoin-related services must register with the necessary government ministries.

4. Due to the anonymity and cross-border nature of Bitcoin, organizations providing Bitcoin-related services must implement preventive measures such as KYC to prevent money laundering. Any suspicious activity, including fraud, gambling and money laundering, should be reported to the authorities.

5. Organizations that provide Bitcoin-related services must inform the public about Bitcoin and the technology behind it and not mislead the public with misinformation.

In simple terms, Bitcoin is classified as a virtual commodity (such as in-game credits) that can be bought or sold in its original form, rather than exchanged for fiat currency. It cannot be defined as money – something that serves as a medium of exchange, a unit of account and a store of value.

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​ from 2013, it is still relevant to the Chinese government’s stance on Bitcoin, and as mentioned, there is no sign of a ban on Bitcoin and the cryptocurrency. Rather, Bitcoin and blockchain regulation and education will play a role in China’s crypto market.

A similar message was published in January 2017, which again emphasized that Bitcoin is a virtual commodity and not a currency. In September 2017, the boom in Initial Coin Offerings (ICOs) led to the publication of a separate notice entitled “Financial Risk Prevention Notice of Issued Tokens”. Soon after, ICOs were banned and Chinese exchanges were investigated and eventually shut down. (Hindsight being 20/20, they made the right decision to ban ICOs and stop pointless gambling). Another blow was dealt to the Chinese cryptocurrency community in January 2018, when mining faced a major crackdown due to excessive power consumption.

Although there is no official explanation for the crackdown on cryptocurrencies, capital controls, illegal activities and protection of citizens from financial risks are among the main reasons cited by experts. Indeed, Chinese regulators have imposed tighter controls, such as restrictions on withdrawals and regulation of foreign direct investment, to limit capital flight and ensure domestic investment. The anonymity and ease of cross-border transactions have also made cryptocurrency a favorite vehicle for money laundering and fraud.

Since 2011, China has played a crucial role in the meteoric rise and fall of Bitcoin. At its peak, China accounted for more than 95% of the world’s bitcoin trading volume and three-quarters of its mining operations. With the intervention of regulators overseeing trade and mining operations, China’s dominance has been greatly reduced in exchange for stability.

With countries like Korea and India following their lead in cracking down, the future of cryptocurrency is now being cast in shadow. (I’ll repeat my point here: countries regulate cryptocurrency, not ban it). There is no doubt that in the coming months we will see more countries join in taming the booming crypto market. Indeed, some kind of order was long overdue. Cryptocurrencies have experienced unprecedented price volatility over the past year, with ICOs happening literally every other day. In 2017, total market capitalization rose from $18 billion in January to an all-time high of $828 billion.

Still, the Chinese community is in surprisingly good spirits despite the crackdown. Online and offline communities are thriving (I personally attended quite a few events and visited some firms) and blockchain startups are popping up all over China.

Major blockchain firms such as NEO, QTUM and VeChain are attracting a lot of attention in the country. Startups like Nebulas, High Performance Blockchain (HPB) and Bibox are also gaining a significant amount of traction. Even giants like Alibaba and Tencent are also exploring the possibilities of blockchain to improve their platform. The list goes on and on, but you get my point; it’s going to be HUGE!

The Chinese government is also using blockchain technology and has stepped up efforts to support the creation of a blockchain ecosystem in recent years.

China’s 13th Five-Year Plan (2016-2020) envisioned the development of promising technologies, including blockchain and artificial intelligence. It also plans to strengthen research on fintech applications in regulation, cloud computing and big data. Even the People’s Bank of China is also testing a blockchain-based digital currency prototype; however, since it will most likely be a centralized digital currency with encryption technology, its acceptance by Chinese citizens remains to be seen.

The launch of the Trusted Blockchain Open Lab and the China Blockchain Technology and Industry Development Forum by the Ministry of Industry and Information Technology are among other initiatives by the Chinese government to support blockchain development in China.

A recent report titled “2018 China Blockchain Development Report” (English version at the link) by the China Blockchain Research Center details the development of China’s blockchain industry in 2017, including the various measures taken to regulate cryptocurrency on the mainland. A separate section of the report highlights the optimistic outlook of the blockchain industry and the massive attention it has received from VCs and the Chinese government in 2017.

In summary, the Chinese government has shown a positive attitude towards blockchain technology, despite its application to cryptocurrencies and mining. China wants to control cryptocurrency, and China will get control. Repeated control measures by regulators were aimed at protecting citizens from the financial risks of cryptocurrencies and limiting capital outflows. At the moment, it is legal for Chinese citizens to hold cryptocurrencies, but they are prohibited from transacting in any form; hence the ban on exchanges. If the market stabilizes in the coming months (or years), we will undoubtedly see a revival of the Chinese crypto market. Blockchain and cryptocurrency go hand in hand (except on a private chain where a token is not needed). So countries can’t ban cryptocurrency without banning blockchain – great technology!

One thing we can all agree on is that blockchain is still in its infancy. There are many exciting developments ahead, and now is definitely the best time to lay the groundwork for a blockchain-enabled world.

Last but not least: HODL!

Crypto TREND 2017-01

Everyone has heard how Bitcoin and other cryptocurrencies have made millionaires of those who bought just a year ago. Profits of 1000% or more are not just possible, they have been the norm for many of these cryptocurrencies. Someone who bought Bitcoin in May 2016 for less than $500 would have made a 1400% profit in about 17 months. Then in the last few days we’ve seen Bitcoin lose almost $1000, so to say these cryptocurrencies are volatile would be a huge understatement.

Since Bitcoin’s inception in 2008, we at Trend News have been skeptical of cryptocurrencies’ ability to survive, given that they pose a very obvious threat to governments that want to see and tax all transactions. But while we may still be cautious about cryptocurrencies, we are well aware of the potential of the underlying technologies that power these electronic currencies. In fact, we believe this technology will fundamentally disrupt the way data is managed and impact every sector of the global economy, much like the Internet has impacted media.

Here are some questions and answers to get you started…

Q: What are cryptocurrencies?

The most famous crypto currency (CC) is Bitcoin. It was the first CC established in 2008. There are over 800 CCs today, including Ethereum, Litecoin, Dash, Zcash, Ripple, Monero, all of which are “virtual”. There are no “physical” coins or currency.

Q: How does CC work?

CCs are virtual currencies that exist in very large distributed databases. These databases use BLOCKCHAIN ​​technology. Because each Blockchain database is widely distributed, it is believed to be immune to hacking as there is no central point of attack and every transaction is visible to everyone on the network. Each CC has a group of administrators, often called “miners”, who verify transactions. One CC called Ethereum uses “smart contracts” to verify transactions. Crypto TREND will provide more details in upcoming news.


Blockchain is the technology behind all CCs. Each transaction to buy, sell or exchange CC is entered into a BLOCK which is added to the chain. This technology is complex and will not be explained here, but it has the potential to revolutionize the financial services industry as transactions can be completed quickly and easily, reducing or eliminating fees. The technology is also being considered for applications in many other areas.

Q: Are CC exchanges regulated by the government?

For the most part, the answer is NO, which is the big appeal of this market for some users. It’s the “wild west” right now, but governments in most developed countries are studying this market to decide what regulation might be needed. An important decision is whether to treat CC as a currency or as a commodity / security. Canada and the US have so far declared CCs to be legal, however the situation remains fluid in terms of reporting and tax implications. Crypto TREND will monitor and report on these developments.

Q: How do I invest in this market?

You can buy, sell and exchange CC using the services of specialized “exchanges” that act as brokerage services. You start by choosing an exchange, setting up an account, and transferring fiat currency to your account. You can then place BUY and SELL CC orders. There are many stock exchanges around the world. Opening an account is quite easy and all these exchanges have their own initial deposit and withdrawal rules.

Crypto TREND will recommend CC exchanges in the future.

Q: Where do I keep my CC?

To have the freedom to move your cryptocurrencies and pay your bills, you need a digital wallet. These wallets come in multiple formats such as desktop, cloud, hardware (USB), mobile and paper. Many of them are FREE, however security is an important factor as no one ever wants to lose their wallet or have it stolen. Crypto TREND will recommend digital wallets in the future.

Q: What can I do with my CC?

Besides investing in CC products, you can also use cryptocurrency for some financial transactions, such as money transfers and bill payments. The list of companies accepting cryptocurrency is growing fast and includes biggies like Microsoft, GAP, JC Penny, Expedia, Shopify,, Dish Network, Zynga, Subway, and WordPress.

Q: What’s next?

As we begin, we will keep each of the Crypto TREND articles short and keep the scope of each one as narrow as possible. As we’ve noted before, we believe cryptocurrency technology is a game-changer, and potential investment opportunities like this come along once or twice in a lifetime. Make no mistake, early investments in this sector will only be directed at your most speculative capital, money you can afford to lose.

Even if you don’t want to invest at this time, understanding this new breakthrough technology early will put you in a good position to profit from our recommendations as we move forward.

Expect to see more news and specific recommendations from Crypto TREND as we embark on this journey into what may at first seem like a strange jungle. This is a volatile market and may not appeal to all investors, however Crypto TREND will be your guide if and when you are ready.

Stay tuned for updates!

Surviving FOMO – How to Pick an ICO Project That Will Win in the Long Term

In a world driven by hype and FOMO [Fear Of Missing Out]every day it is becoming more and more obvious that the ardent crypto-enthusiast must have a litmus test to choose a token to support in a world where real viable projects are hard to find, and good projects with long-term prospects are even harder to distinguish from money-grabbing “shitholes”.

Due to recent events, where most new cryptos reach record lows and new ICO projects fail to live up to the post-Crowdsale hype, now often frustrated “investors” go around blaming the ICO promoters on social media, rather than blaming themselves for their failure due diligence to select the most likely winner after the crowdsale before purchasing the token during the ICO.

From my extensive observations, it appeared that most crypto buyers simply bought coins during the ICO based on FOMO (Fear of Missing Out) created by the masters of the hype behind these coins. Many simply bought without understanding the purpose of the coin after the ICO or what the token was supposed to do after the Crowdsale. When nothing happened after the ICO, as is often the case with many ICOs these days, they jumped on social media and screamed bloody murder.

Recently, my team and I just finished a tour of Africa and parts of the US to promote the Nollycoin ICO. We have organized and sponsored various conferences, held AMA (Ask Me Anything) press conferences and held many one-on-one meetings with crypto whales, small investors and crypto millionaires of all stripes.

What struck me the most in all of this was that MOST token holders had NO IDEA of the core business or project behind the token sales they were participating in.

Even more surprising, in my observations, was the surprising fact that many couldn’t tell you the value proposition of the project, its goals, or the company’s plan to disrupt the market and capture some of the buyers in their industry. They just bought the ICO because the few Telegram or Facebook pages they visited kept telling them to “Buy”. Go and buy some more.’ Most simply acted on herd instinct, not objectively.

Now, if most of the people I met were just teenagers or uneducated people, I wouldn’t be so surprised at the level of ignorance of many of the crypto investors I met. In contrast, many of those I met were college graduates and people of some means. However, less than 10% of them could easily articulate why they bought a coin in the expectation that its value would increase over time. Wherever I went, very few people in the crowd could tell me the name, experience, and abilities of the corporate executives of the company selling the coins.

The only thing most of them could point to was that the coins were recommended by “respectable” influencers, when the facts proved that most of them were being paid the shivers to create FOMO and respectability for otherwise useless shitcoins.

Apart from the so-called fake influencers, many crypto buyers only knew that the names of the team leaders were Russian, Chinese or Korean, although they knew absolutely nothing about them. As if all you need for a successful ICO is to list the names of people from Korea, China or Russia that no one could verify even with a simple Google search.

​​​​​​While I agree that there are certainly many things to consider when deciding whether to increase the value of a project’s tokens over time, I believe that the acid test and most immediate evaluation criteria should be the utility of the coin itself beyond what will happen on crypto exchanges.

Although most crypto token holders I’ve met don’t even know it, the reality is that when you buy a token in most ICOs, you’re not actually “investing” in that company. You would not buy shares in a company or buy a security in a company.

And at best, what you were doing when you bought tokens during most ICOs was “donating” to the project in exchange for receiving a useful token or coin that legally has no real value outside of the business ecosystem controlled by the issuing company .

In short, apart from your hope that the price of the tokens will decrease or increase and you will become a millionaire, there is nothing you can do with the token except enjoy the utility added to it by the ICO, if any.

Since no one could predict with certainty how Crypto will perform on the crypto exchange when it finally gets there, and recent experience has shown that the prices of most tokens are likely to fall in the first few weeks after listing ( due to large speculator sales), it would make sense for you to see what other value or utility you can get from your token other than the expected “month” on the exchange.

As the crypto revolution has continued to grow, morph, and adapt to various market developments, the only way to make sure your money doesn’t go down the drain is to be sure you can still use these tokens to get great value and benefits. even though you could sell it at a profit immediately on the stock market.

When making this decision, you should ask yourself the following basic question: What value, product or service does the token sale company create that will give me enough value for my money to make this purchase worth my time?

In a world of collapsing token prices on various exchanges, the more opportunities you have to actually use your token outside of the expected listing on a crypto exchange, the more likely you are not to be disappointed and run out of a token that is useless to you.

So you have to ask again and again: IF this coin had never traded on an exchange, would I be happy to have supported the vision? If this token has lost 70% of its value on the exchange, can I still use it and get value from it for my money elsewhere?

If you couldn’t answer these questions in the affirmative after reading the WHITEPAPER and investing the company’s claims, then you should think twice before buying this coin.

A recent case study

Take the current ICO such as Nollycoin, which is a token that powers a Blockchain-enabled movie distribution ecosystem. The coin’s promoters have created various utility scenarios for the coin’s buyers to ensure that no matter what happens to Nollycoin on the crypto exchange, their supporters and token hodlers will be smiling.

Some of the great utilities associated with the Nollycoin token in the Nollytainment ecosystem include

• Ability to use Nollycoin tokens to watch exclusive movies in theaters and cinemas

• Ability to use Nollycoin tokens to access 1,000 movies on the Netflix-on-steroids blockchain.

• Ability to use Nollycoin tokens to purchase products and services at NollyMall, which is similar to Amazon’s platform for entertainment products.

• Ability to use Nollycoin tokens to pay school fees on the NOLLY Academy platform and partner companies

As you can see, apart from the usual expectation that tokens can be listed on a crypto exchange platform, you need to look not only at the ico hype, but also at the immediate and future utility of the token and the viability of the underlying project behind it.

Discretionary income selection

Making the most of your discretionary income

Discretionary income is what you have left after paying your fixed expenses. You can spend on what you choose.


How you spend that money can affect your financial situation, but before we do that, we need to understand what discretionary income is.


Expenses for the operation of the car



Products, etc.

People who have an addiction will prioritize their spending so that the addiction is included in their ongoing expenses.

Every adult has freedom of choice when they are debt free, which means their freedom is eroded by their level of debt.

The old saying, “The borrower is the slave of the lender” sums it up.

We all have some control over most of our fixed costs, such as groceries and electricity; we can downsize them but items like rates/rent are fixed but even then we can choose to live in a more modest apartment or downsize.

The excess of your expenses is called discretionary income.

Another way to increase your disposable (discretionary) income is to increase your income by getting a part-time job, a higher-paying job, or selling things online.

Saving your discretionary spending for a greater purpose instead of spending it gives your life some meaning. Instead of just letting things happen, you make things happen. Many people 10-20 years later wondered what happened.

There is a big difference between keeping your money and investing it. Astute discretionary investors grow their wealth by investing in higher risk stocks and shares, gold and cryptocurrency. There are enough online platforms where you can dig into these things while you’re still climbing the investment ladder.

But then you might prefer to save for a vacation and check off an item or two on your bucket list. Border closures will limit your choice of places, but here in New Zealand there are so many fantastic places to visit that it’s a chance to discover your own backyard.

Some of the most popular activities in New Zealand include climbing the Franz and Fox Glaciers, taking a dip in the hot pools of Hanmer Springs, visiting the Marlborough wine region or attending one of the sporting events around the country. One thing I have to mention here is the Tranz Alpine Express train journey between Christchurch and Greymouth. It is considered one of the best train journeys in the world, and having experienced it, I disagree. This should be on everyone’s bucket list.

What are the top 5 cryptocurrencies other than Bitcoin?

Bitcoin has led the world of cryptography for so long and so dominantly that the terms crypto and bitcoin are often used interchangeably. However, the truth is that digital currency is not only made up of Bitcoins. There are many other cryptocurrencies that are part of the crypto world. The purpose of this post is to educate our readers about cryptocurrencies other than Bitcoin to give them a wide range of options to choose from – if they intend to make a crypto investment.

So let’s start with the first name on our list, that is:


Launched in 2011, Litecoin is often referred to as “the silver to Bitcoin’s gold.” Charlie Lee is an MIT graduate and former Google engineer who is the founder of Litecoin.

Like Bitcoin, Litecoin is an open-source, decentralized payment network that functions without a central authority.

Litecoin is similar to Bitcoin in many ways and often makes people think “Why not use Bitcoin? Both are similar!”. Here’s the catch: Litecoin block generation is much faster than Bitcoin! and this is the main reason why merchants around the world are becoming more open to accepting Litecoin.


Another decentralized open source software platform. The currency was launched in 2015 and allows you to create and run smart contracts and distributed applications without downtime.

Applications on the Ethereum platform require a specific cryptographic token – Ether. According to Ethereum’s core developers, the token can be used for commerce, security, and decentralization of just about anything.

Ethereum survived an attack in 2016 that split the currency into two: Ethereum and Ethereum Classic.

In the race of leading cryptocurrencies, Ethereum is second in popularity and right after Bitcoin.


Zcash appeared in late 2016. The currency defines itself as “if Bitcoin is like http to money, Zcash is https.”

Zcash promises to provide transparency, security and privacy of transactions. The currency also offers a “shielded” transaction option so that users can transmit data in the form of an encrypted code.


Dash is originally a secret version of Bitcoin. It is also known as “Darkcoin” due to its secretive nature.

Dash is popular for offering enhanced anonymity, allowing users to make transactions untraceable.

The currency first appeared on the canvas of the digital market in 2014. Since then, she has gained a huge following in a very short span of time.


With a market cap of over $1 billion, Ripple is the last name on our list. The currency was launched in 2012 and offers instant, secure and low-cost payments.

Ripple’s consensus ledger requires no mining, a feature that sets it apart from Bitcoin and other mainstream cryptocurrencies.

No mining reduces computing power, which ultimately minimizes latency and makes transactions faster.

Walk around:

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​front-low) Bitcoin, the Bitcoin, the leading Bitcoin, the leader among Bitcoin, the competition is gaining momentum. Currencies like Ethereum and Ripple have surpassed Bitcoin in enterprise solutions and are growing in popularity every day. Based on this trend, other cryptocurrencies are here to stay and will soon give Bitcoin a very tough time to maintain its status.

DigitalTicks exchange is an advanced cryptocurrency exchange

DigitalTicksExchange: Advanced Cryptocurrency Exchange!!!

DigitalTicksExchange is not just another crypto trading platform. It is designed by traders for traders. The birth of this idea began back in December 2017. DigitalTicksExchangeteam is building the FIRST COMMODITY CRYPTOCXCHANGE. The team is committed to providing the best trading platform for the cryptocurrency market.

Mission and Vision of DigitalTicksExchange

With the main goal of becoming one of the top 3 cryptocurrency exchanges in terms of market capitalization, the team has implemented reliable, more powerful and best-in-class technology, which is required for an advanced cryptocurrency trading exchange 2018 with the intention of becoming the best exchange for online trading. platform for cryptocurrency. Our team is focused on offering the most customizable exchange platform to traders and brokers and thereby getting closer to the goal of being the only user-friendly exchange with ease of trading cryptocurrency and crypto-commodities.

With the increase in the number of crypto exchanges around the world, the cryptocurrency exchange market has seen many new users attracted to trade these currency swaps, but the main challenge for any cryptocurrency exchange is to deal with the security of the exchange and thereby build trust and confidence in the minds of the end users. users. With its multi-wallet cryptocurrency exchange, advanced security auditing systems and regular vulnerability testing, DigitalTicksExchange plans to become one of the most trusted digital currency exchanges in the world.

The DigitalTicksExchange team consists of traders, industrialists. Entrepreneurs, Blockchain Enthusiasts. To make the exchange successful, the innovative developers of DigitalTicksExchange have gone the extra mile to understand the needs and requirements of traders, from beginners to professionals. The platform is configured in such a way that it is easy to use by all market participants, be it a hedger, scalper, arbitrageur or speculator.

Here is a list of several unique features that will be offered on DigitalTicksExchange

Functionality of the semi-algorithm

View the portfolio of a single order

Hotkey function

Multiple trading tools

Multi-device compatibility

DigitalTicksExchange Token (DTx)

DTx is the UTILITY token of DigitalTicksExchange. The DTx Utility token can be bought using Bitcoin, Ethereum and bank transfers. The presale for this token started on March 25, 2018, and the public sale on April 15, 2018. The token sale ended on June 15, 2018.

The team is pleased to announce a successful token sale. During the token sale, the team sold a total of 64 million tokens, raising $30 million. DigitalTicks currently has over 30,000 community members and is growing at a much faster rate.

Advantages of trading on DigitalTicksExchange

The DigitalTicksExchange trading platform is much smoother and offers a great user interface with many features that traders need. One of the main advantages of using our platform is that the exchange does not charge any transaction fees for the first few months. This can be a great profit opportunity for high frequency traders. We will also be offering volume based incentives for those high frequency traders going forward. We love our users and want to create a fair market for all our registered users thereby helping them to trade cryptocurrency for profit by providing regular research reports prepared by our expert research team.


With incentives such as a volume-based model, DigitalTicksExchange’s Maker-Taker Concept is focused on ensuring ease of trading and charging a fair price per trade. Aiming to be at the top, DigitalTicksExchangeteam strives to provide all the tools and support any of its traders need to trade in the cryptocurrency market. The exchange will be fully developed and launched in late August 2018 or earlier. The team believes that DigitalTicksExchange will be the most advanced cryptocurrency exchange platform for trading various cryptos – cryptos as well as crypto commodities.!!!!

A Guide to Successfully Trading Major Cryptocurrencies

Cryptocurrency trading has taken the world by storm and is something that has become the norm for most traders and investors. If you are interested enough to do your research before you start trading, you have a chance to enjoy real growth and profits in the end. The worst thing you can do when it comes to this type of trading is to blindly go into it just because everyone else is doing it. A little research on major currencies and a deeper understanding of the basics of buying and trading can make a huge difference. Below are some tips to help you succeed in trading.

Take the time to understand how the block chain works

Blockchain technology has redefined transactions and is changing everything. A blockchain can be defined as a list of records that are continuously growing into blocks, secured and linked using cryptography. Blockchains are resistant to data modification and serve as a public ledger of transactions between parties. The transparent and decentralized nature of the block chain makes it very secure, and in the world of hacking, it is really functional and reliable. It solves the problems of manipulation that have become so evident in today’s world. While no one person can claim to understand everything blockchain is, learning a few basics will make your trading a lot easier.

Know and learn the best currencies

The virtual currency space is becoming crowded due to how popular currencies have become. The fact is that today there are more than 100 cryptocurrencies, which means that you need to know which ones are the most popular and popular so that you can make the right buying and selling decisions based on profitability. Bitcoin accounts for half of the entire market with the largest volume, but Litecoin and Ethereum also take the lead and give Bitcoin success. Learn as much as you can about the currency you are interested in. The more you know, the better you will make decisions; you can actually trade more than one cryptocurrency without any problems.

Be aware of the inherent risks

Bitcoin and other currencies are quite volatile, even when comparing the stock market and gold. Remember that this technology is only in its early stages and faces many challenges. The probability of profit is quite high, but so are the risks. Public sentiment about a currency can actually affect its price. What goes up must surely come down, so be careful with the trading moves you make. The higher the risks, the higher the rewards can be, but be prepared for losses as well. The best thing you can do, regardless of the cryptocurrency you choose, is to keep an eye out for events that could affect prices and act quickly.

Once you’ve learned everything that matters in cryptocurrency trading, you can open a brokerage account and fund it, then start buying and selling currency. Rewards are numerous for passionate traders.