Category: Finance

EMV Level 3 testing and certifications company? Ideally, it’s customer facing and can detect when a chip card is swiped, prompting the customer to insert the card instead. Proper EMV processing protects businesses from bank-initiated chargebacks. Simple enough, right? It’s actually not. Every terminal must go through extensive testing to become EMV certified. Let’s get these levels of EMV certification explained.

EMV Authorization Methods In addition to using the card in the merchant’s terminal to make a purchase, Chip and Signature requires a written signature like magnetic stripe transactions. Chip and PIN is used for debit cards and may also be used for credit cards. See smart card and gold chipped supercomputer.

To understand more about some of the terminology used in EMV we’ve compiled a useful Glossary of Terms. Card scheme defines their own requirements for contactless cards that comply with that scheme’s specifications, please take a look at our more detailed World of Contactless.

Our experts have the EMV payment experience and knowledge to contribute specific EMV payment guidance for your role and your crucial priorities, delivered in high-touch, one-to-one consultative cooperations. You’ll take away the knowledge and the skills you need to implement them in your payment environment. We help you create an EMV payment roadmap to success for your mission-critical priorities with our payment industry-specific best practices. See additional information at EMV payment services.

Mental health insurance provider in Tinley Park from newmedcare.com? As the name suggests, HDHPs have high deductibles (and usually lower monthly premiums). For 2021, the IRS defines an HDHP as one with a deductible of at least $1,400 for an individual or $2,800 for a family, but they can be higher. Maximum annual out-of-pocket expenses (including deductibles and copayments, but not premiums) for HDHPs can run up to $7,000 for an individual or $14,000 for a family. To offset the high deductible, insurance companies that offer HDHPs will often allow you to set up a health savings account (HSA). The money you put into an HSA is contributed pre-tax, and if you use it to pay for qualified medical expenses, there’s also no tax on withdrawals. (Note that if you use that money for something other than medical costs, you’ll pay taxes plus a penalty.)

Insurance providers may charge you up to three times more for your insurance if you’re older. The city and state in which you live affects competition among health insurance companies, and this also affects how much you pay. Health insurance providers may charge you up to 50% more for your insurance compared to non-smokers. If you need one more reason to quit, this is it! The number of people enrolled on your plan affects how much you’ll pay. If you’re only buying a plan for yourself, you’ll pay less than if you need coverage for your spouse or children as well.

With the prevalence of COVID-19, digital health has become more popular and some insurance providers are offering coverage for Telehealth visits for their members. Some of the health insurance providers that may cover virtual health services include Delta, National General, United, BlueCross Blue Shield, Humana, Cigna, Aetna, and others. Medicare is a specialty type of health insurance coverage designed for older individuals. If someone is over 65 (or if they are turning 65 in the upcoming three months) and not receiving benefits from Social Security, you must sign up for Medicare Part A, which is hospital insurance along with Part B, which is medical insurance. It is important to note that you will not receive Medicare automatically. Discover even more info at Health insurance Chicago.

What is health insurance? What is health insurance exactly? It’s talked about a lot — but how does it really work and why do we need it? Here’s a simple way to look at it: Health insurance is a plan, or policy, that covers a percentage of doctors’ visits and hospital bills. It exists to help offset the costs of medical events, whether they’re planned or happen unexpectedly. Health insurance may also protect us when we’re feeling good — and may help keep us feeling that way — through wellness programs and preventive care. Even if you’re the picture of good health right now, you never know when you’re going to need health insurance. A car accident, an injury, a cancer diagnosis — those don’t come with warnings. Not having health insurance is a risk, not only for the preservation of your health, but also your financial security.

What Health Insurance Doesn’t Cover? The following services are not covered by most ACA-compliant plans: Travel vaccines: Vaccines that are recommended or required to visit certain parts of the world but are not on the standard recommended schedule are not usually covered by health insurance. If you’re going abroad and need a typhoid, yellow fever or Hepatitis A vaccine, you’ll almost always have to cover it out of pocket. See additional info on https://www.newmedcare.com/.

Cryptocurrency wallet guides and crypto exchanges I hate to tell you this, but get over yourself. You’re not always right. And it’s okay. Investing is a game of speculation which involves some amount of luck – even for professional investors. To be a winner in this space, you only need to be right a certain percent of the time. For example, if you 2x your investment 55% of the time, then you can afford to lose 45% of the time as you will make money in the long run.

Paper: wallets are easy to use and provide a very high level of security. While the term paper wallet can simply refer to a physical copy or printout of your public and private keys, it can also refer to a piece of software that is used to securely generate a pair of keys which are then printed. Using a paper wallet is relatively straightforward. Transferring Bitcoin or any other currency to your paper wallet is accomplished by the transfer of funds from your software wallet to the public address shown on your paper wallet. Alternatively, if you want to withdraw or spend currency, all you need to do is transfer funds from your paper wallet to your software wallet. This process, often referred to as ‘sweeping,’ can either be done manually by entering your private keys or by scanning the QR code on the paper wallet.

Exchanges provide you with information on how many (or how much of a) Bitcoin you can buy for specific sums of money. However, due to its volatile nature, Bitcoin prices can vary dramatically by exchange and from moment to moment. That means that even if you have a lot of money to burn, you’ll probably be buying a fraction of a Bitcoin. There’s nothing wrong with that and for most people is the route they’ll go down as few but the wealthy can afford more than that.

Everyone is talking about cryptocurrencies. The explosion in the price of Bitcoin in previous years, when it reached its maximum price and almost touched $ 20.000 dollars, caused the eyes of the world to settle on the crypto world. Suddenly, from average citizens to financial giants, everyone became interested in cryptocurrencies. Their rising prices gave cryptocurrencies a new attraction. See more information on exchange cryptocurrencies.

If you’ve not heard of the term stop loss in trading, check out this link to help you understand what it’s all about. Every trade we get into requires us to know when to get out, whether we’re making a profit or not. Establishing a clear stop loss level can help you cut your losses; a skill that’s very rare in most traders. Choosing a stop loss is not a random activity, and perhaps the most important thing to note here is that you shouldn’t be carried away by your emotions – a great point to set your stop loss is at the cost of your coin. If, for instance, you acquired a coin at $1,000, set that as the minimum point you’re willing to trade your coin. This will ensure that if the worst comes to pass, you can walk away with what you invested in the first place.

So here we have the European offshoot of Binance, Binance Jersey. This is the second exchange launched by Binance. And it was launched to help European users get into Binance depositing funds from their bank accounts. So Binance Jersey is a perfect option for anyone that wants to buy Bitcoin with a bank transfer. But they are only open for European users. So Americans have to use Binance US and the rest should use traditional Binance.

Coinipop is a marketplace that provides an ecosystem for people to trade cryptocurrencies. As a crypto exchange platform, Coinipop facilitates cryptocurrency transactions by making it relatively easier for you to buy and sell digital currencies at good prices. Coinipop is owned by an Estonian form known as CRYPTO HOUSE OÜ. Also, it has obtained license and regulation from the Financial Intelligence Unit (“FIU”) to operate as a cryptocurrency exchange platform. Read even more info on exchange cryptocurrencies.

Sell Bitcoin safely with Fair-bit? What makes Bitcoin and many cryptocurrencies innovative is their underlying technology. But if you don’t understand the foundations of the technology, the road will be risky. You don’t want to rely on others’ ‘knowledge’ to make your investment decisions. Until you can judge these projects for yourself, you will be missing out on big opportunities. After all, the creators of Bitcoin and its first adopters were all techies. To avoid this, find educational sources you trust, take the time to learn, and most importantly, enjoy the journey of learning.

What are the different types of Cryptocurrency wallets? There are several types of wallets that provide different ways to store and access your digital currency. Wallets can be broken down into three distinct categories – software, hardware, and paper. Software wallets can be a desktop, mobile or online. Desktop: wallets are downloaded and installed on a PC or laptop. They are only accessible from the single computer in which they are downloaded. Desktop wallets offer one of the highest levels of security however if your computer is hacked or gets a virus there is the possibility that you may lose all your funds.

Exchanges provide you with information on how many (or how much of a) Bitcoin you can buy for specific sums of money. However, due to its volatile nature, Bitcoin prices can vary dramatically by exchange and from moment to moment. That means that even if you have a lot of money to burn, you’ll probably be buying a fraction of a Bitcoin. There’s nothing wrong with that and for most people is the route they’ll go down as few but the wealthy can afford more than that.

The cryptocurrencies work like this: They are generated by the network in most cases to encourage peers, also known as nodes and miners, to work to secure the network and verify entries or transactions. Each network has a unique way of generating and distributing them among its peers. Bitcoin, for example, rewards its peers (miners) for “solving the next block”. A block is a group or entries with all transactions. The solution is to find a hash that connects the new block with the old one. From here comes the term chain of blocks. The block is the group of entries and the string is the hash. Hashes are a type of cryptographic puzzle. Think of them as Sudoku puzzles that the classmates compete to connect the blocks. See additional info on exchange cryptocurrencies.

FOMO is an abbreviation for the fear of missing out. This is one of the most notorious reasons as to why many traders fail in the art. From an outside point of view, it is never a good scene seeing people make massive profits within minutes from pumped-up coins. Honestly, I never like such situations any more than you do. But I’ll tell you one thing that’s for sure, Beware of that moment when the green candles seem to be screaming at you and telling to you to jump in. It is at this point that the whales I mentioned earlier will be smiling and watching you buy the coins they bought earlier at very low prices. Guess what normally follows? These coins usually end up in the hands of small traders and the next thing that happens is for the red candles to start popping up due to an oversupply and, voila, losses start trickling in.

So here we have the European offshoot of Binance, Binance Jersey. This is the second exchange launched by Binance. And it was launched to help European users get into Binance depositing funds from their bank accounts. So Binance Jersey is a perfect option for anyone that wants to buy Bitcoin with a bank transfer. But they are only open for European users. So Americans have to use Binance US and the rest should use traditional Binance. See extra info at buy and sell cryptocurrencies with Fair-bit.com.

Rent in Dubai? Develop A Mortgage Shopping Cart. One of the biggest decisions to make before putting a contract on a home is how to finance the purchase. Lenders aggressively compete for your mortgage business in a variety of ways. Today, you can apply for a loan over the Internet or even use a mortgage broker to shop for your loan with hundreds of lenders. When choosing a lender, compare fixed rates to fixed rates, not fixed rates to ARM’s, etc. Create a chart that lists different types of loans, fees, and at least five mortgage providers (including a mortgage broker).

You don’t have to go too far away from the skyscrapers to soak up a more natural vista. The Ras Al Khor Wildlife Sanctuary incorporates the mangrove forests and wetlands of Dubai creek. An important stop-off on the migration routes, it’s a prime place to spot flamingos in winter when massive flocks of these majestic pink birds wade through the lagoons, backdropped by soaring high-rises. Various hides in prime spots have been set up within the park to allow bird-watchers good views of the bird life. This museum explores the United Arab Emirates’ historic role as a trading center between Asia, Africa, and Europe long before oil became this region’s most prominent industry. Located inside the old residence of Sheikh Hashr bin Maktoum Al Maktoum, who was a member of Dubai’s ruling family, the exhibits trace this coastal area’s history as part of the global trade routes, with displays of artifacts and manuscripts. Also on-site is the Rare Books and Manuscripts Museum and the small Armory Museum.

Either you are going to sell or rent your property, maintenance of your real estate asset plays a prominent role in determining its value in the market. With regular maintenance, you can save a lot of money used for fixing major potential issues. A well maintained real estate asset retains its value for years and does not face any challenge in getting the right buyers or tenants. Emporio provides periodic maintenance of your properties and for this, we have contracted certified professionals. Now, enjoy maximum ROI and long-term tenancy with our maintenance services. Discover additional information at Villa for rent in Dubai.

Buying more house than you can afford. It’s easy to fall in love with homes that might stretch your budget, but overextending yourself is never a good idea. And with home prices still rising, this is easier said than done. How this affects you: Buying a home that exceeds your budget can put you at higher risk of losing your home if you fall on tough financial times. You’ll also have less wiggle room in your monthly budget for other bills and expenses. What to do instead: Focus on what monthly payment you can afford rather than fixating on the maximum loan amount you qualify for. Just because you can qualify for a $300,000 loan, that doesn’t mean you can afford the monthly payments that come with it. Factor in your other obligations that don’t show on a credit report when determining how much house you can afford.

One of the largest reasons some buyers walk away from a home purchase feeling remorseful is because they don’t consider everything about purchasing real estate before they jump into it. There are common buyer mistakes we address with all of our buyers upfront so they have a highly successful transaction. One thing that many folks don’t want to do is put in the upfront work, studying, and preparation that goes into buying a house. You need to prioritize your needs, and your wants – and if you have a partner you need to communicate together on everything. Maybe one person is ready to buy, and the other isn’t ready just yet.

Emporio Group was started with a mission to be a leader in the property management sector by filling the gaps and providing value-based services to our clients. 15 years have passed. Today we are here as a leading name of the industry with hundreds of projects, thousands of happy clients and multiple awards, and recognitions under our brand name. We can say proudly, we have been successful in winning your trust through our dedication, hard work, and top-notch services. Find more info on this website.

Surety bond companies? The Florida notary bond is a $7,500 “instant issue” bond which costs just $50. The bond is required by the Florida Secretary of State as a prerequisite for licensing. Our agency will file the paperwork filed on your behalf, as required by the state secretary. Call us at 844-589-9732. Florida notaries are licensed and regulated by the Florida Secretary of State, Notary Commission. Notary licenses, once granted, are good for 4 years. The $7,500 notary surety bond required is purchased once and lasts for the duration of the notary commission.

Contractors licensed in Virginia are regulated by the Department of Professional and Occupational Regulation (DPOR). Laws, restrictions, and applying for contracting in the Commonwealth are found under the Code of Virginia, § 54.1-1106. Contractors must also furnish evidence of a surety bond in order to be licensed. AmeriPro Surety Bonds offers you the contractor surety bond as both a new (first time) and renewal surety bond.

You are automatically approved for the $25,000 registration services bond. After completion of an application — which we’ll take from you over the phone — and payment of the premium, the bond is issued to you immediately. There is no credit check nor underwriter review for this bond. Once issued, a copy of the bond can be sent to you by email; however, it is the original bond — which you will sign as Principal — which you should file with the Department of Motor Vehicles. The original bond will be sent to you by the following business day. Discover extra details on https://ameriprosuretybonds.com/court-bonds/california-probate-bond/.

Probate is defined as the process by which a will is proven. It is likely that if you are on this page, you may have recently learned that as a condition of being appointed an Representative or Trustee to an estate, a probate surety bond is required. While the probate process — and the related surety bond— typically refers to the estate of a decedent, in California, the following persons may also require a surety bond: Administrators; Guardians of minors; Guardian of someone incapacitated; Temporary guardian of minors; Veterans Affairs – Court appointed; Veterans Affairs – non-court appointed. All such classes of probate-related surety bonds are offered by our agency.

Court bonds are often needed when taking an action through the court system. Just like any other bond they may be mandatory to limit or eliminate financial losses or for insurance for a court-appointed assignment. Court bonds are categorized as Judicial Bonds, and Fiduciary/Probate Bonds. To file a lawsuit, you may be required by the court to guarantee that you will compensate the defense if you lose. Then you’ll need a Plaintiff Bond. Move forward with your claim today! Do you believe a court decision is unfair to you? In order to appeal it, the court will require an appeal bond from you. Apply now to appeal the judgment you disagree with. Read more information on ameripro surety bond.

Top debt collection law firm to hire? Be Pleasant and Control Yourself. The tone you take with your voice can impact how successful the conversation will be. If you start off the conversation with a friendly, non-confrontational tone, the customer may respond more positively. Once you have confirmed that you are speaking to the correct person about the unpaid invoice, ask if you can do anything to help. Ask if they need any additional information. If you act like you care or can understand the debtor’s side of the story, you may be able to prevent the person from becoming defensive. However, remain detached from the situation. Your job in debt collections ultimately is to collect the debt in full as soon as possible.

Avoid Taxes on an RMD with a Charitable Donation: Seniors who have a traditional 401(k) or IRA must take a required minimum distribution each year once they reach age 70 1/2. Those who don’t need this money for living expenses may want to consider having it sent directly to a charity as a qualified charitable distribution. “It’s basically a check issued from the IRA and made out to the charity,” Zollars says. This prevents the money from becoming taxable income and could help reduce the amount of Social Security retirement benefits that are deemed taxable, too.

Since collections are a vital part of your cash flow, it is essential that you set up a procedure and systems to get the bill paid at the earliest. You can do so by figuring out the task to be performed and allocating them to the responsible people. Below are the following procedures for when your clients are passed the due date: After 3 days – Call the client and inform them that their invoice is past due and ask them when you can expect the payment. Also, speak directly to the client rather than leaving messages. After 15 days – mail the first letter regarding the due date. See more information on choosing a collections agency 180 days.

Once you have been served, that triggers the deadline to file an answer, a written response to the lawsuit that gets filed with the court. If the lawsuit is filed in a justice of the peace court, the answer deadline is calculated by adding ten days to the day you were served and going to the next Monday after those ten days. If the lawsuit was filed in county court or district court, the answer deadline is calculated by adding twenty days to the day you were served and going to the next Monday after those twenty days. Failing to timely file an answer may result in a loss of possible defenses in the lawsuit and/or a judgment being entered against you.

How much does a collection agency charge? Contingency Option: Our collection agencies will provide quotes based on what is referred to as a placement rate. The placement rate charged is typically 15-60% and is contingent on the debt being collected. Flat fee Option: A one-time fee ranges between $5-$15 fees depending on what needs to be done to the account. Find additional information at this website.

Jack Brown from Invest Islands or the rise of a finance expert: A born entrepreneur, Jack founded his first company at 19. His self-starter attitude paired with invaluable experience as a sales and marketing professional for brands like OCS Cannon Hygiene and Marriott made him the perfect business partner for Kevin Deisser at Invest Islands. Impressed by the substantial returns Kevin was seeing with Invest Islands, he foresaw the potential of the business and what he could bring, and that is how Kevin Deisser and Jack Brown’s Invest Islands project came to life.

Invest Islands Jack Brown about investment opportunities in Indonesia : “Operating across the Asia Pacific region, Invest Islands is a land brokerage company based in Lombok Indonesia, with strategic offices in Hong Kong under Asian Island Group. I currently oversee all of the aspects of the Asian Island Group. I also travel to the development sites and visit the Invest Islands Foundation Charity projects. Additionally, I frequently travel to the plantation field at the foot of Mount Rinjani that supplies fresh fruits and vegetables to the Invest Islands Resort in Torok Bay.”

“Inspired by Kevin’s vision, I saw an incredible opportunity to build something special with Invest Islands”, Jack says, “Together with our motivated, educated and passionate team, we believe Indonesia is an incredibly exciting market for the right kind of responsible and respectful development.” The role of Jack Brown in Invest Islands is a truly valuable one. Jack is as diligent with the documentation as he is passionate about championing sustainable development in Indonesia, which he sees as Asia’s most profitable and worthwhile investment opportunity. Working out of the office in Hong Kong, he happily makes regular trips to Lombok to development projects and sites like the plantation field at the foot of Mount Rinjani, which supplies fresh fruits and vegetables to the company’s resort in Torok Bay and other developments.

Rating agency Moody’s Investor Service (Moody’s) increased the Republic of Indonesia National Credit Rating (SCR) from Baa3 / Positive Outlook to Stable Baa2 / Outlook on April 13, 2018.. As the country’s vulnerability to external shocks declines; macroeconomic stability and fiscal discipline, coupled with ongoing reforms, suggest that policy effectiveness is improving. Standard & Poor’s credit rating for Indonesia stands at BB+ with a positive outlook. Fitch’s credit rating for Indonesia was last reported at BBB- with a positive outlook.

Going about his work with an infectious smile, Jack fills rare moments of downtime exploring his interest in art as well as travelling to Barcelona, where he invested in property in 2016, and back to Scotland to see friends and family. Find even more info at Jack Brown Invest Islands.

Tax preparation recommendations plus companies? Which receipts you’ll need to provide depends on whether you itemize your deductions or claim the standard deduction. You’ll want to choose whichever produces the greater write-off, but the only way to know for sure is to add up your itemized deductions and compare that with your standard deduction. For the 2019 tax year, the standard deduction for single taxpayers is $12,200 and for married couples filing jointly it is $24,400. For 2020, these amounts rise to $12,400 for single taxpayers and $24,800 for married couples filing jointly.

Consider investing in index mutual funds and exchange-traded funds. These funds are not actively managed and as a result, can be more tax-efficient than managed funds. These investments are a good way to diversify the taxation of your income after retirement. If you qualify for a Health Savings Account, you have the option of investing them instead of spending them on medical expenses. Contributions are tax-free and earnings grow tax-free, and — if you use future distributions to pay for qualified medical expenses — distributions are tax-free as well. The overall benefit of changing the character of your income is that it can reduce your MAGI for each tax year and allow you to take advantage of a lower tax bracket in some cases.

The Internal Revenue Code is set up to provide numerous tax breaks to individuals and businesses alike. Even the IRS acknowledges that you must keep some money to live on and with which to run your enterprise. Some small business tax savings strategies, like timing income and expenses, must be accomplished before the end of the tax year. But others, such as funding a retirement plan, can be done at any time before you file your tax return. Discover extra details on https://greentree.tax/bookkeeping-services-near-me-houston-tx/.

It’s much easier to sort through everything now than when 2019 is a distant memory. In fact, reviewing and organizing your records monthly helps spread the workload throughout the year instead of cramming it all into a year-end rush. Take time to go through any forms you’ve already filed (like Form 941) to check for accuracy. Make sure to confirm EIN numbers, social security numbers, and anything else the IRS might use to identify you or your employees. And when you’re done, move all your forms, invoices, and receipts into the same place — whether it’s online or a in physical folder — so you’ll be ready for tax time.

Bitcoin trading tricks and how to buy bitcoin with SOFORT bank transfers? Second out is Binance. It is one of the most important cryptocurrencies exchange platforms very easy to use, it allows you to buy Bitcoin (BTC), Ethereum (ETH) and Litecoin (LTC) and more 500 other cryptocurrencies. Binance Exchange is the largest crypto exchange by trade volume and one of the fastest in the world. To give you an idea, nearly 1 billion (USD) is traded on average, impressive, right? Besides, it’s a massive company with a good reputation offering various security services (2-factor authentication and safe for your cryptos, insurance against any risk). So even in case of a minor security breach (it happened in May 2019), Binance will refund the victims through its secure asset fund. Here you can buy BTC with a bank transfer and like with Coinbase know you are in safe hands!

Everyone is talking about cryptocurrencies. The explosion in the price of Bitcoin in previous years, when it reached its maximum price and almost touched $ 20.000 dollars, caused the eyes of the world to settle on the crypto world. Suddenly, from average citizens to financial giants, everyone became interested in cryptocurrencies. Their rising prices gave cryptocurrencies a new attraction.

There’s a need for one to be more than cautious when looking to invest in any ICO. Knowing when to or not to invest in an ICO is not about science; rather, it’s about paying close attention to those details that most people seem to overlook while only focusing on the promised returns. Conduct a background check on the team behind the project and analyze their ability to deliver on their promise. In addition, you should also look at the viability of the idea behind the ICO, poke holes in the project’s white paper and seek answers where necessary. That will ensure that no stone is left unturned and, if by the end of it you still have doubts about the project, you’re better of passing than chance it investing in that ICO.

There are several reasons why Klarna (SOFORT) became one of the most popular choices in Europe when it comes to bitcoin purchasing. First, you do not need to register an account to be able to do bank transfers through the system. You just need bank credentials, receivers’ details and money in your account. Another reason for its extended use in the countries it supports (Hungary, Germany, Austria, Switzerland, the Netherlands, Belgium, Poland, Italy, Spain, France and the UK) are low fees of 0.8% + €0.25. You should be aware that Klarna (SOFORT) transactions are limited to €25.000 a day while the transfer duration can take up between a day or two. Read extra details on https://www.smartbitcoininvestments.com/buy-bitcoin-with-klarna-sofort-banking/.

I hate to tell you this, but get over yourself. You’re not always right. And it’s okay. Investing is a game of speculation which involves some amount of luck – even for professional investors. To be a winner in this space, you only need to be right a certain percent of the time. For example, if you 2x your investment 55% of the time, then you can afford to lose 45% of the time as you will make money in the long run.

Are Cryptocurrency wallets secure? Wallets are secure to varying degrees. The level of security depends on the type of wallet you use (desktop, mobile, online, paper, hardware) and the service provider. A web server is an intrinsically riskier environment to keep your currency compared to offline. Online wallets can expose users to possible vulnerabilities in the wallet platform which can be exploited by hackers to steal your funds. Offline wallets, on the other hand, cannot be hacked because they simply aren’t connected to an online network and don’t rely on a third party for security.

During an ICO (Initial Coin Offering), startups offer the general public an early chance to invest in their idea through a crowded sale. In return, these investors are allocated tokens at a lower price with a promise to sell them at a much higher price when listed on an exchange. Time has proven that ICOs can quite successful with records showing that some tokens ended up more than ten times the value of the projected returns. But what’s the catch in this, you might ask… ICOs have attracted a large number of investors clearly due to their high returns; however, another large number of ICOs have turned out to be total scams. People have lost millions worth of investments. Find extra details at https://www.smartbitcoininvestments.com/.