If You Thought You Missed The Internet Profit Revolution Try CryptoCurrency

When most people think of cryptocurrency they might as well be thinking of cryptic currency. Very few people seem to know what it is and for some reason everyone seems to be talking about it as if they do. This report will hopefully demystify all the aspects of cryptocurrency so that by the time you’re finished reading you will have a pretty good idea of what it is and what it’s all about.

You may find that cryptocurrency is for you or you may not but at least you’ll be able to speak with a degree of certainty and knowledge that others won’t possess.

There are many people who have already reached millionaire status by dealing in cryptocurrency. Clearly there’s a lot of money in this brand new industry.

Cryptocurrency is electronic currency, short and simple. However, what’s not so short and simple is exactly how it comes to have value.

Cryptocurrency is a digitized, virtual, decentralized currency produced by the application of cryptography, which, according to Merriam Webster dictionary, is the “computerized encoding and decoding of information”. Cryptography is the foundation that makes debit cards, computer banking and eCommerce systems possible.

Cryptocurrency isn’t backed by banks; it’s not backed by a government, but by an extremely complicated arrangement of algorithms. Cryptocurrency is electricity which is encoded into complex strings of algorithms. What lends monetary value is their intricacy and their security from hackers. The way that crypto currency is made is simply too difficult to reproduce.

Cryptocurrency is in direct opposition to what is called fiat money. Fiat money is currency that gets its worth from government ruling or law. The dollar, the yen, and the Euro are all examples. Any currency that is defined as legal tender is fiat money.

Unlike fiat money, another part of what makes crypto currency valuable is that, like a commodity such as silver and gold, there’s only a finite amount of it. Only 21,000,000 of these extremely complex algorithms were produced. No more, no less. It can’t be altered by printing more of it, like a government printing more money to pump up the system without backing. Or by a bank altering a digital ledger, something the Federal Reserve will instruct banks to do to adjust for inflation.

Cryptocurrency is a means to purchase, sell, and invest that completely avoids both government oversight and banking systems tracking the movement of your money. In a world economy that is destabilized, this system can become a stable force.

Cryptocurrency also gives you a great deal of anonymity. Unfortunately this can lead to misuse by a criminal element using crypto currency to their own ends just as regular money can be misused. However, it can also keep the government from tracking your every purchase and invading your personal privacy.

Cryptocurrency comes in quite a few forms. Bitcoin was the first and is the standard from which all other cryptocurrencies pattern themselves. All are produced by meticulous alpha-numerical computations from a complex coding tool. Some other cryptocurrencies are Litecoin, Namecoin, Peercoin, Dogecoin, and Worldcoin, to name a few. These are called altcoins as a generalized name. The prices of each are regulated by the supply of the specific cryptocurrency and the demand that the market has for that currency.

The way cryptocurrency is brought into existence is quite fascinating. Unlike gold, which has to be mined from the ground, cryptocurrency is merely an entry in a virtual ledger which is stored in various computers around the world. These entries have to be ‘mined’ using mathematical algorithms. Individual users or, more likely, a group of users run computational analysis to find particular series of data, called blocks. The ‘miners’ find data that produces an exact pattern to the cryptographic algorithm. At that point, it’s applied to the series, and they’ve found a block. After an equivalent data series on the block matches up with the algorithm, the block of data has been unencrypted. The miner gets a reward of a specific amount of cryptocurrency. As time goes on, the amount of the reward decreases as the cryptocurrency becomes scarcer. Adding to that, the complexity of the algorithms in the search for new blocks is also increased. Computationally, it becomes harder to find a matching series. Both of these scenarios come together to decrease the speed in which cryptocurrency is created. This imitates the difficulty and scarcity of mining a commodity like gold.

Now, anyone can be a miner. The originators of Bitcoin made the mining tool open source, so it’s free to anyone. However, the computers they use run 24 hours a day, seven days a week. The algorithms are extremely complex and the CPU is running full tilt. Many users have specialized computers made specifically for mining cryptocurrency. Both the user and the specialized computer are called miners.

Miners (the human ones) also keep ledgers of transactions and act as auditors, so that a coin isn’t duplicated in any way. This keeps the system from being hacked and from running amok. They’re paid for this work by receiving new cryptocurrency every week that they maintain their operation. They keep their cryptocurrency in specialized files on their computers or other personal devices. These files are called wallets.

Let’s recap by going through a few of the definitions we’ve learned:

• Cryptocurrency: electronic currency; also called digital currency.

• Fiat money: any legal tender; government backed, used in banking system.

• Bitcoin: the original and gold standard of crypto currency.

• Altcoin: other cryptocurrencies that are patterned from the same processes as Bitcoin, but with slight variations in their coding.

• Miners: an individual or group of individuals who use their own resources (computers, electricity, space) to mine digital coins.

o Also a specialized computer made specifically for finding new coins through computing series of algorithms.

• Wallet: a small file on your computer where you store your digital money.

Conceptualizing the cryptocurrency system in a nutshell:

• Electronic money.

• Mined by individuals who use their own resources to find the coins.

• A stable, finite system of currency. For example, there are only 21,000,000 Bitcoins produced for all time.

• Does not require any government or bank to make it work.

• Pricing is decided by the amount of the coins found and used which is combined with the demand from the public to possess them.

• There are several forms of crypto currency, with Bitcoin being first and foremost.

• Can bring great wealth, but, like any investment, has risks.

Most people find the concept of cryptocurrency to be fascinating. It’s a new field that could be the next gold mine for many of them. If you find that cryptocurrency is something you’d like to learn more about then you’ve found the right report. However, I’ve barely touched the surface in this report. There is much, much more to cryptocurrency than what I’ve gone through here.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.

Top 50 Christmas Quotations

  1. "Let us remember that the Christmas heart is a giving heart, a wide open heart that thinks of others first. the healing medicine of love which has transformed all manner of hearts for almost two thousand years … Underneath all the bulging bundles is this beating Christmas heart. " - George Matthew Adams
  2. "The rooms were very still while the pages were softly turned and the winter sunshine crept in to touch the bright heads and serious faces with a Christmas greeting." - Louisa May Alcott
  3. "Christmas Eve was a night of song that wrapped itself about you like a shawl. But it warmed more than your body. - Bess Streeter Aldrich
  4. "The perfect Christmas tree? All Christmas trees are perfect!" - Charles N. Barnard
  5. "Gifts of time and love are certainly the basic ingredients of a truly merry Christmas." - Peg Bracken
  6. "The earth has grown old with its burden of care But at Christmas it always is young, The heart of the jewel burns lustrous and fair And its soul full of music breaks the air, When the song of angels is sung." - Phillips Brooks
  7. "I am not alone at all, I thought. I was never alone at all. And that, of course, is the message of Christmas. indifferent. For this is still the time God chooses. " - Taylor Caldwell
  8. "Remember, if Christmas is not found in your heart, you will not find it under a tree." - Charlotte Carpenter
  9. "Christmas is not a time nor a season, but a state of mind. To cherish peace and goodwill, to be plenteous in mercy, is to have the real spirit of Christmas." - Calvin Coolidge
  10. "Christmas, in its final essence, is for grown people who have forgotten what children know." Christmas is for whoever is old enough to have denied the unquenchable spirit of man. " - Margaret Cousins
  11. "Without we make Christmas an occasion to share our blessings, all the snow in Alaska will not make it 'white'." - Bing Crosby
  12. "Whatever else be lost among the years, Let us keep Christmas still a shining thing: Whatever doubts assail us, or what what fears, Let us hold close one day, remembering its poignant meaning for the hearts of men. faith again. " - Grace Noll Crowell
  13. "It is the personal thoughtfulness, the warm human awareness, the reaching out of the self to one's fellow man that makes giving worthy of the Christmas spirit." - Isabel Currier
  14. "Something about an old-fashioned Christmas is hard to forget." - Hugh Downs
  15. "They err who thinks Santa Claus comes down through the chimney; he really enters through the heart." - Mrs. Paul M. Ell
  16. "Christmas, my child, is love in action." - Dale Evans
  17. "Do give books – religious or otherwise – for Christmas. They're never fattening, seldom sinful, and permanently personal." - Lenore Hershey
  18. "My first copies of Treasure Island and Huckleberry Finn still have some blue-spruce needles scattered in the pages. They smell of Christmas still." - Charlton Heston
  19. "At Christmas, all roads lead home." - Marjorie Holmes
  20. "My idea of ​​Christmas, whether old-fashioned or modern, is very simple: loving others. - Bob Hope
  21. "The joy of brightening other lives, bearing each others' burdens, easing other's loads and supplanting empty hearts and lives with generous gifts becomes for us the magic of Christmas." - WC Jones
  22. "A Christmas candle is a lovely thing; It makes no noise at all, but softly gives itself away; While quite lonely, it grows small." - Eva K. Logue
  23. "Were I a philosopher, I should write a philosophy of toys, showing that nothing else in life need to be taken seriously, and that Christmas Day in the company of children is one of the few occasions on which men become absolutely alive." - Robert Lynd
  24. "Blessed is the season which engages the whole world in a conspiracy of love." - Hamilton Wright Mabi
  25. "The merry family gatherings – The old, the very young; The strangely lovely way they harmonize in carols sung. For Christmas is tradition time – Traditions that recall the precious memories down the years, The sameness of them all." - Helen Lowrie Marshall
  26. "There is no ideal Christmas; only the one Christmas you decide to make as a reflection of your values, desires, affections, traditions." - Bill McKibben
  27. "I wish we could put up some of the Christmas spirit in jars and open a jar of it every month." - Harlan Miller
  28. "Christmas is the keeping-place for memories of our innocence." - Joan Mills
  29. "Christmas is, of course, the time to be home – in heart as well as body." - Garry Moore
  30. "What is Christmas? It is tenderness for the past, courage for the present, hope for the future. - Agnes M. Pharo
  31. "Mankind is a great, an immense family … This is proved by what we feel in our hearts at Christmas." - Pope John XXIII
  32. "One of the most glorious messes in the world is the mess created in the living room on Christmas day. Do not clean it up too quickly." - Andy Rooney
  33. "Christmas – that magic blanket that wraps itself about us, that something so intimate that it is like a fragrance. day of remembrance – a day in which we think of everything we have ever loved. " - Augusta E. Rundel
  34. "Christmas is doing a little something extra for someone." - Charles Schulz
  35. "As long as we know in our hearts what Christmas bought to be, Christmas is." - Eric Sevareid
  36. "Christmas is the day that holds time together." - Alexander Smith
  37. "Christmas renews our youth by stirring our wonder. The capacity for wonder has been called our most pregnant human faculty, for in it are born our art, our science, our religion." - Ralph Sockman
  38. "Christmas … is not an eternal event at all, but a piece of one's home that one carries in one's heart." - Freya Stark
  39. "Christmas is a day of meaning and traditions, a special day spent in the warm circle of family and friends." - Margaret Thatcher
  40. "At Christmas play and make good cheer, For Christmas comes but once a year." - Thomas Tusser
  41. "What do you call people who are afraid of Santa Claus? Claustrophobic." - Unknown
  42. "Perhaps the best Yuletide decoration is being wrought in smiles." - Unknown
  43. "If there is no joyous way to give a festive gift, give love away." - Unknown
  44. "Until one dreams the spirit of Christmas, there is no Christmas. All else is outward display – so much tinsel and decorations. Firelight's glow. It's the warmth that comes to the hearts of men when the Christmas spirit returns again. " - Unknown
  45. "Many banks have a new kind of Christmas club in operation. The new club helps you save money to pay for last year's gifts." - Unknown
  46. "Are you willing to believe that love is the strongest thing in the world – stronger than hate, stronger than evil, stronger than death – and that the blessed life which began in Bethlehem nineteen hundred years ago is the image and brightness of the Eternal Love ? Then you can keep Christmas. " - Henry Van Dyke
  47. "Christmas is for children. But it is for grownups too. Even if it is a headache, a chore, and nightmare, it is a period of necessary defrosting of chill and hide-bound hearts." - Lenora Matttingly Weber
  48. "Like snowflakes, my Christmas memories gather and dance – each beautiful, unique and too soon gone." - Deborah Whipp
  49. "Somehow, not only for Christmas, But all the long year through, The joy that you give to others, Is the joy that comes back to you. your heart's possessing, Returns to you glad. " - John Greenleaf Whittier
  50. "Never worry about the size of your Christmas tree. In the eyes of children, they are all 30 feet tall." - Larry Wilde

Vacations in Punta Chame With Romantic Ambiance and White Sand Beaches

When you feel that the hectic schedule of life is burdening you with myriads of tensions and anxieties which are affecting your potentialities and performance it's advisable to take a short holiday from work or business and spend some quality time with your near and dear ones at a beautiful location. There are many exotic places where you can go for a dream holiday but if you prefer the realms of nature, white long stretches of sand and pristine beaches which create that romantic and mystic ambience which you enjoy the most then you are most welcome for a vacation in Punta Chame which will surely live up to your expectations and give you a wonderful and memorable holiday.

With romance in the air and elegance and beauty all around you are sure to feel the adrenaline rising and if you are a sports freak then along with natural beauty and romantic ambience you have the option of water sports like Kite surfing where you can ride the crest of the huge waves and enjoy the deep blue pacific all around you. Punta Chame is a beautiful finger shaped peninsula which is located from a short distance from the famous tourist destination the Panama City which welcomes tourist all year around with beautiful locations and a pleasant climate. Along with the enjoyment if you are looking for a wonderful accommodation to match your mood and offer a luxurious living then Punta Chame hotel is the ideal option where you various services which are sure to give you a wonderful time during the vacations. The rooms of these hotels have beautifully decorative interiors with white bed linens and exotic decoration which will add to the fun and enthusiasm in the air as well as in your relationship.

The whole view reminds you of country living where you will find horses, cattle and rolling mountains and also huge stretches of green pastures and with the ocean on the other side you can enjoy and ideal holiday with lots of privacy and no disturbance from the outside world . The beautiful palm trees on the ocean side where the blue waves peeks through the long trees is a wonderful view which is made even more enchanting when the cool breeze blows on the mountainside and there are huge waves on the oceanic surface.

So if you are looking for an idyllic holiday which can refresh your mind and still some new and memorable experiences for your lifetime then a vacation at Punta Chame is must.