Forex guru

IronFX Review

August 28, 2018 by Forex guru

IronFX Review

IronFX began in 2010 by a team of experienced forex experts and software specialists who wanted to create the best and highly innovative experience in online trading by providing bespoke trading ambience with the trading functionality of a single account and 10 platforms. There are more than 400 employees in the company. It has offices in around 22 cities all over the world. IronFx got the award of Best FX Newcomer 2011 from the World Finance magazine. Identified by the LSE or London Stock Exchange, the broker is the frontrunner for exercising the best practices in the business of competitive brokerage. Whilst providing aid in more than 30 languages ironFX functions institutional and retail clients out of across 180 nations in Africa, Asia, the Middle East, Europe and Latin America.

IronFX profile:

The Company complies fully with the Financial Instruments Directive or MiFID which is meant for the European Markets. It is authorized under and regulated by the ASIC (AFSL no.417482), CySEC (Licence no.125/10), FSCA (FSP No. 45276) and FCA (Registration No 585561).
IronFX advantages are:
VPS Hosting
IronFX Blog
Fractional Pip Pricing
Swap free accounts
News trading allowed
Protection of negative balance
Fully regulated & authorized
You can use Expert Advisors
IronFX Card is accepted globally
Micro accounts can go up to $10000
Immediate withdrawal and funding
Immediate execution without slippage
No commissions on spot trading
Total protection of clients’ funds
Single account, 200 instruments and 10 platforms
Unparalleled market execution without re-quotes
Multiple language trading, live chat and account support
Account rebates and variable spreads to the retail customers
A dedicated account manager is available in 30 languages for trading accounts that exceed $2500
Risk control and leverage with the special Client Portal
Exclusive client account, market commentary, analytical tools in house and market updates
Multiple currency platforms in 8 of the base currencies such as AUD, JPY, CHF, EUR, GBP, USD, HUF and PLN.
IronFX offers banking as well as treasury services through BAML or Bank of America Merrill Lynch, Raiffeisen, UBS, BNP Paribas and other high grade financial institutions to clients. These banks are totally independent and don’t sponsor or come in the way of the obligations IronFX has to their customers.
IronFX Trading platform:
For investing accessibility, IronFX has given their customers with different variants of this proven MetaTrader 4 (MT4) buying and selling platforms. Because it’s widely embraced by agents from all around the entire environment, the edition of the system is thought of as the standard dealing platform. Its prevalence is thanks to how the stage can be exceptionally user friendly plus also has a vast selection of buying and selling applications. Its attributes include:
* Action reports
* Advanced level charting bundle
* Time information
* Actual time value tag feeds
* Assist for Pros Advisors (EAs)
* Support for various arrangement types
* Broad assortment of integrated specialized indicators
It needs to be noticed the MT4 system can be readily accessible as an internet based dealing platform that dealers may get with their web browser. For currency supervisors, IronFX in addition has offered the MT4 Private Multi-Account conduit (PMAM) system. Currency managers may afford in addition to trade dealing account that are a few concurrently. A number of this PMAM platform’s characteristics Include Things like:
* Action Reports
* Information feeds
* Price packs
* Handle balances
* Click Dealing
* Online Portfolio direction and prices
* Support funds

IronFX traders can use 10 main kinds of trading platforms.
1) WebTrader IronFX
Developed in house, IronFX WebTrader is web based and does not necessitate software installation or downloading. You can access the financial services through an online interface.
2) MetaTrader 4
Traders looking for a complete collection of trading tools will get the platform of MetaTrader 4 for adjusting to their trading requirements. The Client MT4 Terminal of IronFX allows instant access to traders to the market indicators, tech analysis tools and use of EAs or expert advisors. The demo platform of the website is based also on the MetaTrader 4 platform.

3) Personal Multi-Account Manager or PMAM
PMAM the trading platform is one which is suited to traders who are keen to have the tools required to integrate the trading using their master account.

4) MultiTerminal
The MultiTerminal is meant for traders for managing several accounts using one screen.

5) Mobile Trades for Mobile Devices and Cell Phones
IronFx offers trading support for the devices below:
Blackberry
iPhone
iPad
Smartphones
PDA
IronFX Reliability
They’ve created a standing to be a true broker, ironFX Reliability Considering that IronFX began their own surgeries this year. It is perhaps not shocking to know they are serving more than one million customers. The simple fact which they’re governed in authorities functions to boost their faith variable because the agent is obliged to stick to along with economic services business best methods in how that they manage their customers’ capital.
Along with a broker of CySEC and also this UK’s FCA, investors’ capitals are shielded beneath the Financial Services Compensation Scheme at Cyprus. Except the amount of reimbursement will be 20,000 euros to the strategy, investors have been insured up to and including maximum number of 50,000 pounds. IronFX united kingdom has its customers’ money coverage by free of additional cost supplying coverage in addition to FSCS insurance policy pay as well as at the overall quantity of £1,000,000 for each client at the case of its own default option.
IronFX Account Types
Regarding the Kinds of Buying and Selling are just few classes out there.
The Micro Account
100 USD minimum deposit
Micro a lot
Variable or Set spread
Committed Account Supervisor
The Premium Account
2500 USD minimum deposit
Variable or Set spread
Committed Account Supervisor
Dealing section Hot-line
The VIP Account
Minimum deposit of $20,000
Variable or Set spread
Committed Account Supervisor
Dealing section Hot-line
The STP/ECN Accounts
Minimum deposit of $500
Spreads from as much as twice pips
STP Zero Pass on along with also STP No Commission accounts
Micro a lot
The Zero Fixed Spread Account
Minimum deposit of $500
Micro a lot
Committed Account Supervisor
Very Minimal commissions each lot
But for the above Mentioned Accounts, IronFX has presented 4 different kinds of reports for both degree customers.
Affiliate Account
Managed Accounts
Business Account
Affiliate plus Account
IronFX Commissions & Spreads
There is the option of changeable spreads or spreads. This table displays typical and minimum factor spreads which traders in IronFX may like.
Instrument Spreads in pips (Typical Spreads)
AUD/CAD 5.7 (6)
CAD/CHF 6 (6.8)
AUD/JPY 4 (4.1)
EUR/AUD 5 (5.2)
EUR/CAD 5.2 (5.2)
EUR/CHF 1 (2.2)
EUR/GBP 0.9 (1)
EUR/USD 0.7 (1.2)
USD/CHF 1.3 (1.4)
USD/JPY 0.4 (0.9)

Offers and Bonuses

A welcome trade bonus of 50% is available of up to an amount of $9000 and on subsequent deposits about $4000.
Cash Rebates: Rebates of $3 are available on all lots for the clients. The account holders of the Cash Rebate option can access all the trading instruments and tools which are provided by the platform and this includes CFDs on Shares, Spot Metals, Commodities and forex. Premium and micro account elements are applicable depending on the deposit amount of the investor. The pertinent terms and conditions apply for both offers.
Withdrawal and Deposit Options
These can be done through debit and credit cards, bank transfers, Neteller, GiroPay, Skrill, Webmoney, Sofort, Qiwi, Yandex Money, ePay, Wire Transfer, Ecommpay, Safecharge and Dotpay. No withdrawal and deposit fees are applied by IronFx.
Registering with the website is something that can be completed in 3 steps. You can face a customized trading environment and award winning trade execution with the best spreads in the financial market on over 200 trading instruments beginning with simply no pips.
Acquire rapid access to the trade with 10 trading platforms in the market and these are among the best names around. These are the MT5 Trader for Mac and PC, IronFX MT4, IronFX PMAM or Personal Multi-Account Manager, IronFX MultiTerminal, and social trading platform which is web based.
Account Options
Broker Type: ECN
Account Currencies: JPY, PLN, GBP, EUR, USD, AUD, BTC, ADA
Minimum Deposit: $100
Majors Spread:
EUR/USD: 1.2
GBP/USD: 1.3
USD/JPY: 0.9
Maximum Leverage: 1:1000
Minimum Trade Size: 0.01 = 1000
Scalping: Yes
Hedging: Yes
Free Demo Account: Yes
Demo Account Expiration: No
Traders From USA: Not available
Islamic Account: Yes

Client Support
A devoted multilingual customer support system is provided round the clock through the week via phone call, email and live chat. IronFx on the whole can additionally expand their clientele since they have set fresh frontiers in estimating the way a forex broker must operate. Registered under reputed regulatory bodies, IronFx have demonstrated that they can do a lot to ensure the traders’ mental peace. This matter is something that the major operators have overlooked.
IronFX Q&A
Can Be IronFX?
Certainly. IronFX Is Just really a controlled Broker in 4 authorities, UK, Cyprus, Australia and also South Africa. Back in Cyprus, the system responsible for supervision will be CySEC. For both Australia and UK will be ASIC and the FCA. For Southafrica, the Southern African Financial Services Board regulates IronFX.
Does IronFX generate dollars?
IronFX earns cash A transaction is executed by their dealers that a spreads and spreads whenever that their dealers.
To deposit IronFX accounts?
To deposit cash Accounts perform a bank transfer or e-wallets.
How to draw dollars?
Withdrawals of capital have been Implemented by charge cards, bank wire transport or chosen E Wallets.
You can start a free account?
To start a trading accounts in IronFX fill out the enrollment form submit an application. Please be aware that buying and selling isn’t achievable after the accounts was authorized and financed.
Can Be IronFX dependable?
IronFX is a trusted broker because it’s governed in various businesses. Additionally, the agent follows the best practices with respect.
Can MetaTrader is used by ironFX?
Certainly, IronFX Works by using the MetaTrader 4 buying and selling system. But for the variant, the MT4 system is readily accessible as an internet based system and also a trading program that is portable.
Can Be IronFX a fraud protected is IronFX?
IronFX is protected platform. The agent employs SSL technologies to guard the integrity in their customers’ personal and data info.
Summary
IronFX includes been around because 2010, also has since been able to generate a standing Currency trading agents round. The caliber of bonuses and services are worth assessing to anybody who’s searching for a broker.

IronFX Token- What is it all about?

June 18, 2018 by Forex guru

IronFX Trading Cryptocurrencies
As mentioned earlier, IronFX majorly is known for the trading of cryptocurrencies. They include Bitcoin, Ethereum, Litecoin, and Ripple. Trading with IronFX allows a trader to speculate on the upside or the downside movement. They allow a trader to trade of Ethereum and Bitcoin without the need for a required Digital Currency wallet. The wallet is required in conventional cryptocurrency transactions. Their high-caliber trading conditions, low spreads and commissions, low margin requirements and very minimal orders, allow a trader to trade even between cryptocurrencies and actual currencies, like the US Dollar, the Euro, and the Japanese Yen. This is essentially enabled by their cutting-edge technology, user-friendly trading platforms, and 24/5 multi-lingual and personalized customer service support.
In mid-2018, it was announced that IronFX Group and EmurgoHK Group, would collaborate, to operate a cryptocurrency exchange. EmurgoHK is a Hong Kong-based company, responsible for the Cardano Blockchain and the ADA Coin. The collaboration bore a new crypto, known as IronX Exchange. It will be a service-focused and regulated exchange, aimed at facilitating funding through cryptocurrencies. The partnership also combines the EmurgoHK’s blockchain, with the existing IronFX operational processes, practices, and solutions.

What the IronX Exchange Will Do
The IronX Exchange will provide a broker with several company functions that include payments, account management, banking, back-office and risk management solutions. In moving to the IronFX’s platform, the IronX Exchange platform will help clients in using their digital assets and crypto accounts. This move is aimed at attracting traders who are interested in switching from traditional asset classes to cryptocurrencies. The IronX Exchange platform will also address key issues faced by investors and traders in the cryptocurrencies industry, all over the world. In announcing the merger, the heads of both companies said they cannot wait for the launch of the IronX trading platform.

The IRX Tokens
Also, in an ‘Invitation only’ move, the IronX Exchange will launch IRX tokens, which are private tokens to be used further in the platform. The pre-sale of the private IRX tokens commenced on June 4th, 2018 and will see 200 million tokens offered at $0.33 per token. Their total is 500 million tokens. Holders of IRX coins are expected to benefit in several ways. First off, they will be eligible for further incentives and services. They will also enjoy discounts when opening trading accounts with the IronFX Group. The success of the private IRX Tokens can be generated from the success of the IronX Exchange.
The IronX Exchange is a joint venture, between two globally-leading companies, in the trading business. IronFX Group is one of the world’s best online trading broker, whereas EmurgoHK is a blockchain pioneer, bosting with the creation of the Cardano Blockchain and the ADA Coin. IronFX is highly experienced, has a strong customer base, has a worldwide standing, is multi-award-winning, and has a global regulatory framework. The EmurgoHK Group, on the other hand, brings in the pioneering blockchain experience. A product between these two giants should deliver so much to the traders. In the same spirit, the IRX Tokens should also be a success in the future of the IronX Exchange.
The IronX Exchange should focus on providing top-class services to clients and traders. It should be a safe and strong framework, borrowing some expertise from the IronFX Group. Finally, it should bridge the gap between the traditional online trading practices with the new crypto styles, for the clients, in a very easy and costless manner. This is through the strengths that each company brings to the table.
Overview
IronFX is a financial brokerage firm, that provides access to the retail foreign exchange markets. It is an award-winning global leader in online trading services, with customers from over 150 countries, in Asia, Africa, Europe, the Middle East and Latin America. According to their website, they provide round-the-clock coverage, with their accomplished global client coverage teams. To their clients, they provide daily market news and insights, for them to get the best information and data, to make informed trading decisions. Up to this point, IronFX has been known for trading majorly, in cryptocurrencies.
The IronFX Group was founded in Limassol, Cyprus, in 2010. IronFX is regulated by different entities, including the United Kingdom’s Financial Conduct Authority (FCA), the Australian Securities and Investments Commission (ASIC), the Cyprian Securities and Exchange Commission (CySEC) and the South African Financial Services Board (FSB). In 2015, the company voluntarily left four other regulations, being, the Russian Centre for Regulation in OTC Financial Instruments and Technologies (CRFIN), the German Federal Financial Supervisory Authority (BaFin), the Italian Commissione Nazionale per le Società e la Borsa, and the Financial Service Providers Register of New Zealand. At the same time, IronFX announced the closure of offices in, among others, Russia, Nigeria, and China.

IronFX Forex Trading
The IronFX Group is also known for the trade of more than 200 forex, spot metals, and CFD instruments. The company is a giant in these fronts, with operations in more than 150 countries, across almost all continents, in multiple languages. The country has bases, established in the over 60 offices set up across the world. Traders enjoy powerful trading platforms, and executions, thanks to the customer-centered business model of the Group.
Depending on the account type a trader chooses to use, there are different spreads and commissions. The company earns from these spreads, that are added to the price quotes. The currency being traded also determines the spreads that will be applied. The company has several trading accounts for the very different needs of each trader. They have:

a. Micro Accounts: For traders who can only manage to make deposits of $2,500 or less;
b. Premium Trading Accounts: For traders who can manage to deposit over $2,500. They have access to additional features, dedicated account managers, and lesser spreads;
c. Business Trading Accounts: These are for the businesses interested in the markets. They have the choice, to choose from a Corporate Account, Institutional Account or a Trust Account;
d. Cash Rebate Accounts: That can help a trader, earn cash rebates, on their trades;
e. STP/ECN Accounts: They provide a trader with the direct market access, for better prices and trade executions.
The spreads offered by IronFX Group are considered to be among the lowest in the industry. For the average spreads of each account and/or trader, more details are posted on the IronFX’s website. Before making a deposit to any broker, it is advisable for a trader to visit the website and perform a full comparison of the spreads.

Trading Software
Traders using the IronFX trading platforms have a choice of up to five trading software to choose from. These are:
a. MetaTrader 4: This is one of the most popular trading platforms in the industry. IronFX has integrated with the platform, to enable traders get a desirable trading tool, full of charts, indicators, and other trading essentials. Their IronFX Client MT4 Terminal, lets the traders enjoy trading using market indicators, comprehensive range of technical analysis and a team of expert advisors, in the profitable trading business.
b. IronFX WebTrader: This is an in-house IronFX production, developed so that traders get access to the brokers and their full line of financial services, through the web. It works on a browser and therefore does not require you to download and/or install any other trading software.
c. IronFX Personal Multi-Account Manager: The PMAM is a special trading software, for traders who want to diversify their range of trading rooms, all integrated into a single master account.
d. IronFX Mobile Trader: This is a software designed for on-the-go traders. The IronFX Mobile Trader gives a trader, access to his or her accounts, as well as the power to manage and/or execute trades from their mobile devices, be they iPhones, iPads, or Android devices.
e. IronFX Multi-Terminal: The last one is a trading software, ideal for traders who like to manage a number of accounts at once. It provides a trader with the ability to manage several trading accounts in one singular screen.

Conclusion
The IronFX Exchange platform is a trading platform that will see the advent of new and exciting methods and experiences in the world of trading. The fusion of these two mega-companies, the EmurgoHK Group and the IronFX Group, is a bright start to a future of crypto and forex trading. The exchange will see FX brokers and traders enjoy what they truly love to do, and that is be part of a global trading experience. Holders of the IronFX Tokens will be the first to experience the bright future, set by the IronX Exchange. They will be able to request additional information, incentives, and services, as well as get discount on the spreads paid. The Joint Venture is the future of trading and the bigger question for anyone who participates in online trading, or would like to start is, what are you waiting for? The IronFX tokens will be over soon and this is the opportune time to jump on the bandwagon, to consider oneself as an online trader on the best trading platforms in the industry.

FxGiants Review

June 14, 2018 by Forex guru

Introduction
The organization is a global forex broker that provides financial services for online trading regarding currency exchange. FXGiants as well serves the retail investors as well as investors from institutions from more than 150 countries across the globe. It is the among the leading online forex and CFDs broker organization across the globe more especially in the countries of incorporation. The company was established in the year 2015 at the same time in two countries; the UK and Australia. However, the company has been Australia for a longer time and has been operating under a veteran forex trading company in the brokerage industry. It forms a registered brand for the IronFX Global company. FXGiants has two trading companies presently which were both once owned by IronFX but currently one is owned by GVS Pty Ltd in Australia and another one by 8Safe in UK. The organization’s headquarters is based on London in the UK. The official address for the organization is 51 Church Street on the 5th Floor of the Andrew’s Place in HM12 Hamilton, Bermuda. The company trades with a wide range of commodities such as over 80 currency pairs, more than 200 kinds of financial instruments to numerous clients who come from more than 150 countries worldwide. The committed focus of the organization is to offer a fulfilling trading experience for the financial services consumers with the integration of latest technology and provision of high standard services. The organization’s popularity is well felt in the Australian nation, in Europe as well as South America.

Company license and regulations

The company is under stringent regulations that are spanning the globe from the various regulators of the countries of regulation. With the organization’s commitment to offer services compliant to the highest standards, it operates under full regulation of the financial regulating authorities of the two countries of incorporation. In the UK, the organization is regulated by the Financial Conduct Authority (FCA) under the license number 585561 while in Australia it is regulated by the Australian Securities and Investment Commission (ASIC) under the ASFL number 417482. This therefore makes the organization a fully compliant organization for laws of the land in both UK and Australia. The licensing and regulations verifies that the organization is a legit forex trading broker in the financial services provision industry. The company also being a participant in the European Union market, it is a full compliant of the guidelines and authorities provided by the European Union. It also complies to the rules and regulations of the Financial Services Compensation Scheme of the UK since it is protected by the scheme. The scheme can give compensation to the FXGiants’ investors in the event when the company has not met its financial obligations to the agreed rates between the company and the compensation scheme.

FXGiants reliability

With the desire of every investor to ensure that every dollar invested produces a yield, nobody wants to be a victim of scam forex traders. Especially in the online platforms, the practice of scamming is very rampant since the offices are not sometimes physical identified or they are in abroad regions where some other local investors cannot easily access them. Therefore, legitimacy and authenticity of the forex trading brokers is a question of great concern for the investors. Despite the fact that the FXGiants broker is young in the industry and has been operating for less than four years in the market, its age does not affect its reliability. With this doubt about its age, the company has been motivated to work harder seeking to win trader and investor trust in the online community.

The first evidence of reliability is seen in the company’s concerted efforts to secure regulation under two different jurisdictions in the two countries of operation. In a span of less than 2 years, the company has been able to be licensed under the Australian regulation and the UK regulation. This regulation gives assurance to the traders that any investment they make with the company is in safe hands. There is also constant supervision of the FXGiants company by FCA and ASIC thus ensuring that the company conducts its operations transparently and fairly which can assure the investors that they will be able to transparently see their investment performance as time goes. Additionally, the company has partnered with the Financial Services Compensation Scheme of the UK thus in any event of financial incapability or insolvency, the investors are assured of compensation amounting to a maximum of 50,000 pounds per every investor. The company also has an automated risk management system which manages the accounts of the investors thus they do not have to worry of their accounts running on negative state.

FXGiants trading platforms

Working in the financial brokerage industry, FXGiants company works solely on online platforms. Its specialization is inclined to forex trading with more than 80 currencies of operation. The company offers a wide variety of trading platforms that are compatible with Windows as well as Mac Operating Systems. The mobile compatible platforms are also available such as applications form tablets and smartphones which allow investors to access their accounts while even travelling. Any investor account offers unrestricted access to the company’s platforms at any time.

The major trading platform is the MetaTrader 4 (MT4) which is a software developed by the MetaQuotes Software company. The platform forms the major trading platform for the company since it is the most popular forex business platform in the forex trading industry. It is used as the main trading platform by over 80 percent of the companies that participate in the forex trading business. The MT4 trading platform is a highly popular platform that is user-friendly and robust thus supporting the forex trading business greatly since it is integrated with a charting package and other technical indicators which the investor can use to analyze the market thus guide informed investment decisions.
Another feature of the MT4 platform is the which is the most powerful feature is its capability to support automated trading with using the Expert Advisors. Those traders who are experts in computer applications can program the Expert Advisors to build an automatic trading on the platform. The platform is made available in various versions like MT4 for PC as well as MT4 for Mac. They both have features like activity reports, advanced charts, advanced security systems, real-time news feeds, real-time quotes, support trading signals, and support for various kinds of trading orders. The mobile trading platform has MT4 mobile compatible platform that can be downloaded from Google Play Store for android phones or the App Store for the iPhones. The traders can monitor their accounts or execute trades right from their mobile phones.

FXGiants transparency and trading conditions
The organization has strong transparency since it is regulated by two bodies which oversee its operations. The subjection to two kinds of regulations makes it achieve the highest standard of transparency as they move on with their operations. The organization has also specified the compensation limits for the investors in the event of financial difficulties or insolvency thus straightforward with the financial services that it offers. The accessibility of all their trading platforms with only one investor account also makes the trading to be highly transparent and makes the trading conditions convenient for every investor.
The company’s trading accounts
The company genuinely offers a meaningful and wide range of types of accounts from which the investor can choose from. Therefore, it is possible for an investor to open a market maker account or an account that deals with desk type on the basis of the commissions. There are five different types of accounts that from which the investor can choose from. The accounts are as follows

Micro account – The investor is able to choose between live fixed or live floating spread depending on the individual tastes and preferences. In any spread that an investor will choose, the minimum deposit remains to be $100 but an average of $500. The leverage range for this account ranges from 1:1 to 1:500 with variety of the currencies like AUD, EUR, GBP and many more. The benchmark for fixed spread is 2.2 while for the floating spread is at 1.1 with the freedom of opening one account with numerous base currencies. The min lot size for this account is 0.01 and the account is available for 24 hours for five days in a week. The transaction hotline is also available to sort out issues with investors.

Premium account – This also lies in the similar choice by the investor either live fixed or live floating spread. For either choice of the spread, the minimum deposit is $2500 with a benchmark spread of 1.2 maximum and a minimum of 0.7 USD floating rate. The highest leverage given for one account of this type is $500 and the account is also allowed to be opened with numerous base currencies. The min lot size for this type of account is 0.1 with also dedicated account manager in 24 hours in five days. It is therefore slightly below the micro account.

0 Fixed Spread account – This account can be opened with a minimum deposit of $500 with a minimum lot size of 0.01 and a minimum commission as from $18 per lot is charged on the account. The account manager for this account is also available for 24 hours for five days a week. A highest leverage of up to 200 base currencies which translates to around 1.8 pips of the currency pair used as benchmark.

STP/ECN No Commission account – This account’s deposit charge is similar to the minimum deposit for Micro account and 0 Fixed Spread account. Base currencies used in this account are also similar to the Micro account. The only difference is that the leverage caps for this account are at 1:200 other than 1:500 noted in the Micro account. Also there is no transaction hotline and also no account manager for the account. The minimum lot size is 0.01 with allowance for various base currencies as the Micro account.

STP/ECN 0 Spread account – The account has the same features like the STP/ECN No Commission account thus the two accounts can be opened interchangeably by the investors. This account forms the largest account in the company forex trading business thus can accommodate any investor who wants to invest huge amounts of money into the business.
Unique features with FXGiants

The company offers its products and services on its trading platforms in 24 hours in 5 days every week. Their services are available for online platforms and compatible with either PC or smartphones. The major trading platform used is well-known to people and always user friendly for either the MetaTrader 4 platform or the Personal Multi Account Manager (PMAM). For the PMAM platform, it allows for the creation and management of multiple accounts by the user. The company is also always aimed at becoming semi-professional money managers which can manage investor assets on their behalf. In addition, the company has a group of professionals with a wealth of experience in the field of international finance and forex trading business. The team of professionals deal with markets analysis, business solution specialization, business developers and risk management. The company goods and services are spread in over 150 countries across the globe with more than 200 financial instruments. The company also has interesting bonus package which has initial bonus at 35 percent free. It also includes incentives such as 100% bonus maximizer and also bonus advantage of 20 percent for deposits amounting up to $2000.

Company special offers, promotions and bonuses
The company is delighted in rewarding its investors with an array of variety of promotions. The promotions range from Live and Demo Trading competitions to extraordinary bonuses which boost the investors’ trading needs. The FXGiants company rewards its traders every month with a trading competition. From month to month the price changes. For example, in the month of January 2018 the price of the reward was a vacation package to Europe or a $5000 token. However, the bonus is given to those investors who fully comply to the terms and conditions of the bonus. All the promotions and bonuses are aimed at boosting the needs of the investor as well as enhancing the company reputation as it engages in forex trading business.

Company commissions and spreads
The company commission charges are only applicable to the Fixed Spread account. The investors with this type of account are required to make a payment of $18 for every lot of trading. However, for the other accounts for trading in this company, the investors are required to make a payment of small spreads for any trade that they engage in. They can participate in the fixed or floating spread regarding their tastes and preferences. When using the Micro account, the fixed spread can be to the minimum of 2.2 pips while the floating spread can be to the minimum of 1.1 pips. On the other hand, the premium account the least floating is 0.7 pips while the least fixed spreads is 1.2 pips. However, the typical spreads are different for the various currencies as indicated on the company website.

Deposit and Withdrawals of money
This is a trading exercise which needs recharging of funds when they go below the required level and also withdrawal when the investment makes a profit. The first and important exercise is the deposit of funds to the investor account such that one can become an active participant in the business and also to fund the account for transactions. The company has a proprietary interface which makes process simple, enhanced and secure. The company does not take cash deposits from the investors. Instead, there are several options that can be used to make automatic deposits to the investor account such as the Visa or MasterCard credit cards, Neteller, Skrill, Fasapay, UnionPay China, Safecharge, EccomPay, and DotPay. The investors can also use alternative deposit method of using the bank wire transfer to deposit finances to their trading accounts in case they do not have access to eWallet of credit cards. All these methods have different fees with different terms and conditions of operation. Withdrawal can also be made through the same methods used to deposit funds to the trade accounts. The withdrawal fee varies from one method to the other but the least withdrawal fee applicable is $0.5 while the maximum applicable $30.

Customer support
FXGiants offers 24-hour customer support services for 5 working days every week. The customer support staff is helpful in solving the customer complaints. The company’s customer support centers are based in London in the UK with the primary language in offering the support services being English but can also be translated to various languages which include Spanish, Italian, Korean, Chinese, Russian, Malay, Portuguese, Hungarian and Indonesian. Their customer support services can be reached through various mediums such as emails, telephone call, or a live chat at any time even in the instances when the market is busy. The company has also toll free contact numbers for customer support in specified countries such as China, Malaysia, Hungary, Spain, Poland, Indonesia, Italy, Thailand, Portugal, Russia, and Korea.

Education
The company is focused on the delivery of variety of assets that are easily tradeable by the investors in a simple execution of commands over the trading platforms. With this focus, the company therefore strives to educate its investors with an educational content that is always restricted to a forex trading glossary and the news releases for the company as well as other headlines that concern key economic performance across the globe and the region of operation. The company glossary despite being limited, it is useful to the investors to a great extent. The company website also has light educational materials regarding forex trading as well as basic economic news regarding forex trading market analysis that is fundamental to the investors.

Safety of finances
To curb insecurity issues, the company’s accounts are maintained in the top tier banks by the use of banking and treasury services that are applied at Westpac as well as other major high class institutions dealing with banking. The investor funds are in complete segregation with the other funds thus the customers can be sure that clarity, integrity and security is highly observed in dealing with their finances. Each investor account has a unique code which effectively guides depositing and withdrawal of funds from the account. The company is regulated and protected by recognized agencies in the lands of its operation thus very secure.

Pros and Cons
Pros
The company has variety of trading accounts (total of 5 types)
There is low deposit requirement for minimum initial deposit
The company is a regulated broker thus secure and legit
It has a wide range of financial instruments as well as products and services
Cons
The company lacks multi lingual support
They also lack local telephone customer support
They have no web based platform for trading
Only the MT4 trading platform is supported

Conclusion

With the company review, it is evident that the company has strong regulatory oversight, brilliant spreads and an array of accounts which the investors can choose from. It is true that is has been in operation for a very short period but it has managed to gain massive following and has accumulated a pool of loyal investors. The company has affordable accounts starting as low as $100 with amazing promotions and bonuses. Therefore, is it of no doubt that the company has proved itself as an investor friendly broker for those individuals seeking to begin their forex trading business.

What is Leveraged Buyout – LBO

June 13, 2018 by Forex guru

Leveraged Buyout – LBO
Definition
When you borrow a significant amount of money in order to complete the acquisition of another company, then this will be termed as a leveraged buyout. Now, since the amount of loans taken for acquiring the company is pretty high, so to pay them off, the assets of the acquired company are put to use. They are often kept as a collateral for the loans to the creditors. Sometimes, the acquiring company also uses its own assets to keep as a collateral for the loans. Now, the main reason behind this buyout is to make sure that when a company is being acquired, the acquiring company is not committing a lot of capital.

Historical aspects regarding Leveraged Buyout

The infamous history of leveraged buyouts suggests that they hadn’t been much successful in the past. Most importantly, when the 1980s are kept into account, there were various much important buyouts that happened and led to the eventual bankruptcy of acquired companies. Mainly, this was because of the pretty high leverage ratio that amounted to almost 100%. The interest payments were also so large that the operating cash flows of the company just couldn’t make it to meet the exceedingly high amounts and thus, they eventually got bankrupted.
One of the largest LBOs on record was in 2006 when Kohlberg Kravis Roberts & Co. (KKR), Merrill Lynch and Bain &Co. acquired the Hospital Corporation of America (HCA). The three companies had to pay a whopping amount of $33 billion in order to acquire HCA.

What are the reasons behind LBOs?

When a company is taking so much loan just to acquire another company, it raises questions and puts the acquiring company’s finances at great risk. So, one does wonder the reasons behind such a buyout. Well, there are three important reasons as to why companies come to this point.

1. First reason is when the company wants to take over a public company and make it private
2. When someone is trying to sell a portion of his existing business for its spin-off.
3. The third reason might be the transfer of any private property, or the case where a small change is to be made in the ownership of a specific business.
However, in all the cases, there is one common requirement that the acquired entity must be a profitable and growing venture. So that, spending all the large amount and acquiring all the loans are worth it.

Break down of LBOs
Usually, there is a ratio of 10% equity to 90% debt in an LBO. Due to the excessive ratio, usually the bonds issued in this buyout are referred to as the junk bonds instead of the investment grade. Moreover, a lot of people are of the view that the tactic of LBOs is highly predatory and ruthless because the target company never actually sanctions it. Moreover, it is pretty much ironic that the assets responsible for a company’s success are actually being used against the same company by the predator company as a collateral.

The process of LBO
The leveraged buyouts often contain many complexities and hence they take some time for completion. For instance, consider the example of JAB holding company. It is a private firm which makes investments in healthcare companies, coffee and luxury goods. In May 2016, JAB holding company started the leveraged buyout of Krispy Kreme Doughnuts, Inc. The acquired company came at a whopping price of $1.5 billion, out of which there was a leveraged loan of $350 million along with a revolving credit facility of $150 million through the Barclays investment bank.
However, the Krispy Kreme Doughnut Inc. already had a debt on its balance sheet which was also needed to be sold. Barclays made it more attractive by adding an additional 0.5% interest rate to it. Thus, the LBO was made quite intricate and the deal was almost cancelled. Nevertheless, on July 12, 2016, they went through with the deal and closed it.

Attractive aspects of LBO

An LBO generally represents a win-win situation for banks as well as financial sponsors, thus they are quite attractive. In case of financial sponsor, he can employ the leverage and thus enhance the rate of returns on his equity. The banks can also make it different from the corporate lending and thus attain some significantly high margins by supporting the finances of LBOs. This is because the banks will be charging a much higher interest. Moreover, the banks can obtain security or collateral too as a proof or surety that they will get repaid.
How much amount can the banks provide for an LBO
As mentioned, the LBO requires a lot of debt and this depends on how much amount the banks are actually willing to provide for supporting an LBO. The amount varies and is dependent on several factors that are mentioned as follows:
• Overall economic environment
• The quality of the company that is being acquired i.e. whether the operating cash flows of the company are stable, its history, the prospects of growth and the hard assets etc.
• The experience and history of the financial sponsor.
• How much equity is being offered by the financial sponsor.
Characteristics of leveraged buyouts
The leveraged buyouts greatly differ in many aspects. However, some characteristics are there that hold true in almost every LBO mentioned as follows:
• Strong management team – The chief executives will have worked with each other and by rolling over their shares in the LBO deal, they might have some vested interests.
• Relatively lesser existing debt – The private equity firm will add up more debt in the capital structure of the company which is to be repaid over time. Thus, this results in a lesser effective purchasing price. If the company already has acquired a huge debt balance, then the deal is very tough to be closed.
• Relatively lesser fixed costs – the fixed costs are to be repaid even if the revenues of private equity firms decline, thus the fixed costs pose risk for the private equity firms.
• Stability in cash flows – the acquired company in the LBO must have a stable operating cash flow.

Exness Review

June 11, 2018 by Forex guru

Introduction

This is a Russian online CFD and forex broker that has been in this field of forex market since 2008. It also deals with cryptocurrencies such as Bitcoin. The headquarters of this company are located at Auckland, New Zealand under the business name, EXNESS NEW ZEALAND LIMITED. It works under the regulations and authorities of the FDR. This company has a major branch in Cyprus under the business name, EXNESS CYPRUS LIMITED. The branch in Cyprus is under the regulations and authorities of Cyprus Securities and Exchange Commission and the European law. This company is one of the forex companies that are considered to be developed most, and it is ahead of other companies in terms of innovation. This is because the company has an automatic withdrawal system, and this system allows traders to quickly access funds in their accounts of trade. In addition, the company has a system that can understand 13 different languages including Spanish, German, French, English and Chinese. Traders who have invested in this company have been receiving favorable bonus and promotions. The company gives the traders to choose the type accounts that they would like to use while investing. There are regulations that make sure that traders’ funds are safe. Any trader from any part of the world can invest in this company and enjoy the benefits, as this company has branches in different counties including the United States of America, the United Kingdom, Germany, China and Russia.

Exness is one of the leading online Forex brokers that have its headquarters in St. Petersburg, Russia. It was established in the year 2008. Today, it has grown into one of the major broker in the industry. It has also emerged as one of the few online Forex brokers that offer 100% transparency in its operations. Exness has a clear mission – to offer affordable, reliable and high quality services using state-of-the-art trading technologies for both their partners and clients.

Regulations and security of funds.

Traders have no reason to be worried of concerned about the security of their funds and investments. This is because Cyprus Securities and Exchange Commission is a body that has a lot of restrictions and strict regulations, thus making it hard for scammers to survive. Firms that are considering to invest in forex in this country are required to have high entry capital requirements and low capital maximum leverage, and by taking this law into consideration, it is hard for scammers and fraudsters to succeed in this type of environment. Since this company has been allowed to invest in Cyprus, it means that it is a legit firm, and traders should not afraid to invest in it. Companies whose wish is to invest in Cyprus are supposed to possess or be holders of more than 1,000,000 euros, since this proves that this firm is good in terms of financial stability. Cyprus Securities and Exchange Commission has passed the law that it is a must for traders’ funds to be kept in segregated accounts. Firms are also not allowed to mix the customer funds with the operation funds, and this proves that this company is legit, and traders have no reason to get worried. Cyprus Securities and Exchange Commission is also a member of a body whose name is Investors Compensation Funds, and incase this firm collapses, the company can pay up to 20,000 euros per trader. Countries such as the Russia, the United States, United Kingdom, New Zealand and Cyprus have strict rules when it comes to forex trading and financial investments since they have to protect their citizens from losing moneys to scammers and fraudsters, and as a result, scammers are discouraged while serious companies are encouraged to invest. ‘

In this exness.com review we can see that Exness is regulated under CySec, which in itself is a sign of its reliability. The broker complies fully with the trading standards of the EU market. This broker seems to take its clients too seriously, as they make additional efforts to respond immediately to the needs and complaints for their traders. Every level of trader would find Exness to be the perfect choice.

ISO Certification and Awards

Exness forex broker is in the rare list of Forex brokers that are ISO 9001:2008 certified. This certification was presented to this broker for quality management in financial trading and currency markets in the year 2011. The year 2012 saw the broker win a coupe of major awards:
• Best Broker in Russia by the World Finance Magazine
• Best Broker in the Middle East by the World Finance Magazine

Reliability.

There is no any trader who would wish to lose money to a scammer. The reliability of any broker is the biggest concern of every trader. Since internet is full of frauds and scammers, every trader has a reason to be worried, and as a result, traders have been careful when investing with any online broker or platform. However, traders have no reason to get worried if they invest in this company. This company has been in operation for 10 years, and this company has not been involved in a single scandal for that time, and this proves that this is a good company. In addition, the company has managed to do well in tight and strict regulations in Cyprus, the United States, Russia, New Zealand, the United Kingdom and Germany. This company has a very good customer support system which is available from Monday to Friday, and it does not matter the time at which the customer needs assistance since there are those who works at nights and during the day. Lastly, this company has a system that supports 13 major languages of the world, and this means that this company has managed to overcome the language barrier, as any trader can be served despite the country of origin.

Hedging – The Forex broker ensures paying all the profit without concern for its size on all the transactions made through them. The following systems provide for this:
• Based on the account type, transactions would be hedged for participants in institutional market or individually or for aggregate position.
• In the case of ECN accounts, every transaction needs to be shown in the inter-bank market.

Lack of Conflict of Interests – When it comes to ECN, we act as the intermediary for providing choice and faster order execution at the hands of retail ECN participants.

Minimum Non-Trading Risks – Exness uses the most advanced software and tools for eliminating any chances of errors.

Exness trading platforms.

This company is just like any other company that has its specialization in forex. Clients of this company are provided with MT4 platforms just like the other companies do. However, traders who have invested in this company or those who would like to invest in this company have an added advantage. This company has a Metatrader 4 and Metatrader 5 while most of the companies that compete with this company have no Metatrader 5. This is an advantage for professional traders who have more than one accounts, as they can manage more than one accounts at once. In addition, this company supports Metatrader 4 and Metatrader 5 mobile versions, and this means that a trader can manage his or her account whenever he or she wants, and at any time of the day and night. This is because he/she does not need to stick to the desktop computer or laptop computer. Lastly, mobile versions of Metatrader 4 (download exness mt4) and Metatrader 5 come in different form. There are for iOS users, android users, blackberry users and Windows mobile version users. This means that every operating system of a computer or a smartphone supports these platforms.

Exness types of accounts.

Unlike other forex brokers, this company does not offer a lot of different types of accounts. This, however, has a way of compensating for that. The company concentrates on the types of clients it handles, and this is the reason why it came up with a decision of making sure that customers should have a maximum of four types of accounts to choose from, and customers are allowed to choose any accounts that is appropriate to him or her. The types of accounts offered by this company are categorized below.
Cent trading account.
This account is for traders who have experience in forex or those who would like to invest in this company for the first time. It is like a test account since a big number of newbie traders open it in order to test the terms. A trader is only required to deposit ten dollars in this account, and this amount is enough for traders all the available conditions for trading in this company. This account has a spread of 0.3. The above statement is one of the advantages of this account. The other advantage is that this account acts as a learning platform since traders are provide with an opportunity to learn how forex works, thus gaining the experiencing needed to survive in this sector. This account also prevent traders from risks that involve losing of money as well as making unnecessary losses. However, this account is traded in real psychologically transaction, real conditional transaction as well as real money withdrawal. This company has unlimited leverages in its four accounts. However, this depends on the amount of dollars or euros that a trader deposits in his or her account. For more information, you can visit the company’s website.

Mini trading account.
The other one is known as the mini trading account. When this company was designing this account, it took into consideration the needs of traders who would like to invest in forex for the first time. In short, it was designed in manner that beginners can fit in it. however, it is better cent account since a trader can deposit as low amount as one dollar, and it has no maximum deposit limit since it has unlimited high push. It spreads from 0.3 pips. This account is traded in real psychologically transaction, real conditional transaction as well as real money withdrawal. In addition, it is for a professional traders as well as beginners and amateurs. A big number of traders at Exness are using this account, and they account to over 80 percent. If you would like to invest in this company, this is a good account, and you should take it into consideration.
Classic trading account.
The other one is classic trading account, and this account is the one that most professional traders in this company have been using. It is considered the best account of this company since its terms and conditions are way much better than other three accounts. This accounts comes a set of tools and resources that are full as a way of facilitating the trade for investors. In order to fit in this account, a trader is required to deposit a minimum of 2,000 American dollars. This account has a low spread as it spreads from 0.1 pips. If you would like to reap big from forex trading, you should consider investing via this account.
ECN trading account.
Just like the classic trading account, the ECN trading account is also a professional account, and it is designed for professional traders. However, this account is quite different from the classic trading account. ECN accounts provides an access to a transparent market where there is no conflict of interest between brokers and clients. The minimum amount of money that a trader should deposit if he or she would like to invest in this company via this account is 2,000 American dollars. This account has a low spread as it spreads from 0.1 pips. If you would like to reap big from forex trading, you should also consider investing via this account.

Exness trading of cryptocurrencies.
Exness has one of the best platforms for the trading of cryptocurrencies, and it has been in this activity since 2009. It the portfolio of this company, there are several cryptocurrencies. These currencies include Bitcoin, Ethereum, Litecoin, Dashcoin Bitcoin and Ripple US dollar. For those who would like to know what is meant by the term trading of cryptocurrencies, this is what it means: it is about the dealership of financial derivatives such CFDs, and this means that there is no use cryptocurrencies in selling or buying goods. In this trade, however, traders or investors use CFDs that provide them with opportunities of capitalizing on the cryptocurrency movement. Traders can sell their currencies when the conditions become favorable, thus reaping big from this investment.

The spreads and commissions of this company.
One of the best things about this broker is that it has no mandate of charging commissions on trade. However, the profit made by this company comes in after additional spreads on the price quote given takes place. Traders are provided with an opportunity to negotiate when trading. On spreads, this broker has the lowest spreads in the forex market industry, and this makes it most popular in this sector. Every trader is willing to have an account in this company since it has the best spreads. These spreads are applicable in all four accounts.

The withdrawal and deposit options at Exness.
This company does not place barriers between the traders of forex and their money. As a result, it has come up with fast, secure, reliable and efficient means that traders can use to either deposit or withdraw their money, and withdrawal or deposit can take place anytime. A trader can use bank transfer, credit and debits or digital transaction using online money accounts. Cards such as Visa card, MasterCard, and other known cards can be used. For digital transactions, PayPal, Skrill, Neteller, PayPal, WebMoney, TrustPay, iDeal, Sofort and western union can be used by traders of forex who have invested in this company. Below are the procedure for depositing and withdrawing.

Depositing.
The first step that a trader should do is to log in his or her Exness Personal area on the company’s home page. The second step is to click on the deposit section. The third step is to select the system of payment that he or she would like to use. On step four, there is pop up menu, and this is where a trader is required to select the account he or she would like to deposit funds into. The fifth step is to enter the currency and the deposit amount followed by clicking “next”. The sixth step is to double check the deposit details followed by clicking “confirm”. The seventh step is follow the link given which goes to the website of the chosen system of payment, and this where the conclusion of funds transfer takes place.

Withdrawal.
The first step that a trader should do is to log in his or her Exness Personal area on the company’s home page. The second step is to click on the withdrawal section. The third step is to select the system of payment that he or she would like to use. On step four, there is pop up menu, and this is where a trader is required to select the account he or she would like to withdraw funds from. The fifth step is to choose the currency of the payment system. The sixth step is to enter the account number of the payment system. The seventh step is to enter the amount that needs to be withdrawn, followed by clicking “next”. The eighth step is to confirm the withdrawal details, and after doing this, the trader is required to enter the code sent to his or her email or mobile phone. Lastly, the trader should click “confirm withdrawal” in order to complete the transaction.

Promotions and bonuses.
Traders who have invested in this company are provided with chances of receiving several bonus and promotions, and they include;
General deposit bonus, where a trader can get up to 35 percent of the deposited amount.
Special bonuses, and these bonuses are applied to various types of accounts as follows: the first one is the profit ladder bonus where bonuses are differentiated according the trading volume. The second one is the golden ladder bonus program where the bonus size is tied to the gold price, and the size of the bonus increases with an increase in the trading volume on a trading account.
For those traders who hold classic accounts, bonuses come in the percentage form of the deposited amount, and the deposits are increased with 10%.
There are trading contests that are taking in this company, and they include traders’ community battle, and winners are expected to bag different prizes.

Customer support.
This company has the best support. It has a system that understands more than 13 languages, and this means that customers can be assisted in case they need any assistance despite the country of origin. In addition, the staff is available at any time of the day, from Monday to Friday. There are a number of ways in which a trader can use to communicate with the support, and these ways include social media, phone calls, emails and live chats.
Education.
This company has a system that it uses to educate its clients. They include; use of links that clients can follow in order to learn and understand the meaning of forex, how it takes place and terms and conditions. Since this company has an active Facebook page, it provides its client with education on daily trends, including the performance of the dollar and euro in the forex market.

Technical Support

They have a special press release page on their website that offers 24-hour technical support to Exness’ clients. Earlier, there was a Live Chat option on their website, which is not working currently. During the time this review was written, a click on the link opened up a web form asking for email details.

Security Features

An important aspect of Exness is the level of security they offer on their website. Their home page uses only highly secure variant of the HTTP protocol, the HTTPS web protocol. It is designed to carry out only highly secure online transactions.

Trading Services

Their Free VPS service is offered for a minimum deposit of US$ 500 or an equivalent amount in another currency. The Exness VPS service has the MetaTrader 4 platform as a standard. You can start trading by signing into your MetaTrader account. In addition to VPS, they also offer their unique Dow Jones news service onto the MetaTrader 4 platform. This includes providing the latest in financial and business news.

Pros, cons and conclusion.

This company has a number of pros, and this pro include; an automatic processing of withdrawal thus reducing the waiting, the needed minimum deposit is very low, leverages are unlimited, the customer support responds in time, one can use a mobile app, a desktop app and browser, and lastly, traders are provided with an opportunity to choose an account that suits him/her. The major con is that networks can be an issue sometimes, especially for traders who come from places with poor signals or places where there is no internet, thus making it hard for them to invest in this kind of business. If you would like to succeed in forex trade, you should consider investing in this company since it has managed to stand out among the crowd, as it cares for its clients by providing them with good terms as well as listening to them and their needs, and this is the reason it has managed to succeed for more than 10 years.

If you think that because Exness has its headquarters in Russia, traders from other parts of the world cannot use their services, you are wrong. You could be from any part of the world, but Exness allows you to sign-up and start trading.

The ECN accounts from Exness have highly competitive spreads, which are almost unmatchable. They charge a commission of $25 per $1 million on their ECN accounts. This indicates that their commissions are nominal and not expensive. Their ECN account could be opened for just $1,000 or an amount equivalent in another currency. Due to this lower fund requirement, it is possible for an ECN trader to make the most out of their freely offered VPS service.

What I like at Exness the most ? New feature – instant withdrawal is the best thing at Exness forex broker. When I create withdrawal for 2 minutes I will get my money. Without waiting. Excellent.

New Zealand Dollars

June 10, 2018 by Forex guru

New Zealand Dollars
It is New Zealand’s currency. NZD is its currency code.

If you interested in NZDUSD trading see latest values and NZDUSD chart.

As can be seen from the name, the New Zealand dollar is used by New Zealand as its legal tender and currency. It is however also used by other independent countries and areas close to New Zealand, including Pitcairn Islands, a British territory, the Niue, Cook Islands, Tokelau and the Ross Dependency. The dollar ($) is mostly used as an abbreviation, while “NZ$” is commonly used to differentiate it from other countries that uses the dollar. The NZ$ is also informally known as the “Kiwi”. This is due to the fact that New Zealand is often associated with this bird which is indigenous to the country, and also depicted on the 1 dollar coin. The currency’s international currency code is NZD, as opposed to USD for the American dollar.
In 1967, the NZD was introduced and it is divided into 100 c. Although the original denominations included a 1c, 2c and a 5c, these were eventually withdrawn due to production costs and inflation. Nowadays the currency has to denominations of which 5 are coins and 5 are banknotes. Although New Zealand is a small island country, the NZD is regularly one of the ten currencies most traded in the world.

Before the NZD was introduced, the country’s currency was the New Zealand pound. Since 1933, the pound had been separate from the British pound and used the Lsd system, where there are 20 shillings in a pound and 12 pence in one shilling.
Since the 1930s, New Zealand has considered switching to a decimal currency, but it was only in late 1955 that the currency was finally considered too cumbersome and complicated, and plans were made to change it. Government set up a committee to consider using a decimal currency in 1957, and the decision to decimalize New Zealand’s currency was taken in 1963, followed in 1964 by the passing of a relevant Act for a decimal currency. The transition date was set to July 10, 1967. To avoid using the word “dollar”, alternative names including zeal, kiwi and fern were proposed. In spite of these suggestions, dollar was used in the end and “Mr. Dollar”, cartoon character depicting a dollar note was used as a symbol for transition in massive publicity campaigns.

The NZD was introduced on Monday July 10, 1967 the pound was replaced at 2 dollars per pound. 165 million new coins were minted and 27 million new banknotes were printed for the change.

Exchange rate
The NZD was initially linked to the American dollar at a rate of NZD 1 = USD 1.43. This changed to NZD 1 = USD 1.12 on November, 21 1967 after the GBP was devalued.
When the USA devalued the USD relative to gold in 1971, New Zealand followed by pegging its currency at NZD 1 = USD 1.216, maintaining an equivalent gold value with a fluctuation range of 4.5%. Between July 1973 and March 1985 the NZD’s value was calculated from a basket of currencies that was trade-weighted.
On March 4, 1985, the NZD was floated at a rate of USD 0.4444. Its value has been dependent on financial markets since then, and has been between USD 0.88 and 0.39.

The NZD’s low was reached on November 22, 2000 at USD 0.3922, while a high of USD 0.8821 was achieved on July 9, 2014, with most of the variation being attributed to interest rate differences.
Currency trading often strongly affects the NZD’s value and it remains one of the currencies in the world most traded.
The New Zealand Reserve Bank sold NZD worth nine billion USD on June 11, 2007, trying to decrease its value. This was the first time the Bank intervened in the markets since the currency was floated.
It is suspected that there were another two interventions, but these were not really successful. Although the 1st seemed to be effective when the NZD dropped to approximately USD 0.7490 from USD 0.7620 initially, within a mere month it rose to new heights and reached USD 0.8103.

After it reached a record high early in 2008, the NZD’s value dropped sharply throughout Q3 and Q4 of 2008, and Q1 of 2009. This was due to investors moving away from “uncertain” currencies including the NZD during the global economic downturn. The NZD reached a low of USD 0.50 on March 6, 2009, but it rallied strongly during the rest of the year and reached the USD 0.75 mark by Nov 2009.

The NZD was trading consistently above 0.80 USD by late 2012, even reaching 85c occasionally. This prompted the Green Party and the unions to call on the Reserve Bank and the Government for quantitative easing, but both had declined as at February 2013.
As of June, 2018, the NZD was trading at about USD 0.70.

What is Return on Investment?

June 4, 2018 by Forex guru

Understanding ROI

The financial world is riddled with jargon and a multiple of confusing words. Without the understanding of these, it may be difficult to survive in a world filled with bankers, investors and complexed corporate environments. So, without further delay, here is everything you need to know about Return on Investment (ROI).

Return on Investment is a measure of performance, as it is used to evaluate the efficiency of the investment of interest. It can also be used as a comparative tool, as it provides information about multiple investments in a manner that is easily understood and analyzed. This is achieved through the return on investment formula which gives a quantitative analysis of the amount of return of an investment in relation to its cost.

It provides an easily usable formula that has many practical uses. For example, one is able to compare the Return on Investment from a range of assets that are not generally compared. Therefore, one could compare performance on the stock market with that of a new niche start-up by simply plugging the correct financials into the Return on Investment equation.

The Return on Investment Formula
In order to calculate this, the amount earned is divided by the cost of the investment. The result is expressed as the Return on Investment ratio. Mathematically, the Return on Investment equation goes as follows:

ROI = (earnings from investment – cost of investment) / cost of investment

Next, one needs to consider how to practically calculate a Return on Investment. To this end, a return on investment example should suffice: John invested $1000 in Nice Shoe Inc in 2010. Today, he wishes to sell those shares and he sells them for a total of $1400. If he wanted to know his return on investment, John would first have to calculate his profits. This is done by subtracting costs of investments from the cost of investment: $1400 – $1000 = $400. Next, the profit must be divided in order to get the return on investment $400/$1000 = 40%. Therefore, John’s return on investment is 40%.
These equations may be made much simpler with the use of online return on investment calculators. This can make life simpler when comparing multiple investment opportunities at the same time, allowing for a simpler path to seeing the opportunity costs associated with a respective business path.

Return on Investment calculator:

Analysing the Results
Generally, any value that comes out of the Return on Investment equation as positive is considered a good return. An importance remains, nonetheless, on evaluating all options so that the investment chosen outweighs its associated opportunity cost. The opportunity cost is defined as the next best option that is forgone with the purchase of any good, service, or asset.
Consider this: John (from the example earlier) had the opportunity of purchasing shares in Nice Shirts Inc. For the same $1000 in investment, his Return on Investment would have equated 50% over the same time period. Therefore, John’s opportunity cost was greater than the profit he made buying shares in Nice Shoes Inc.
From this, one can see that opportunity cost plays an important role in decision-making. A comprehensive Return of Investment analysis may help dramatically in aid of this because, as stated in earlier, the equation provides a good basis for numerical comparison.

Return on Investment vs Return of Investment

Whilst doing these calculations, it is important to keep in mind that a return on investment does not necessarily mean a return of investment. Return on investment is speculative; Return of Investment is definite – cold, hard cash in your hands. The end goal of any investor must be to achieve Return of Investment

Limitations of the Return on Investment Analysis

Return on Investment is a profitability ratio. This means it is supposed to be an aid in the decision making of any investment opportunity. However, so that it can play a proper role in that situation, it is critical to establish that it does have limits. The equation does not take into account the time between the initial investment and the profit received. So, it may put investments that have different Rates of Return in the same category.
For example, the Return on Investment equation will say two 20% Returns on Investments are exactly the same. Even though the first investment may have achieved this in 6 months and the second in 2 years. Therefore, the Return on Investment analysis is not sufficient on its own and must be used alongside other crucial profitability measures. Such measures provide a better basis with which to make an investment decision. An example of such calculations would include the Net Present Value (NPV) and the Internal Rate of Return (IRR). These are not comprehensive and further research is suggested before making any critical decisions.
Furthermore, the Return of Investment analysis only provides historical data. This means that it cannot be a predictor of what an investment may do in the future. Although, certain implications may be drawn from this.

The Future for ROI

Recent times have seen the advent of the Social Return on Investments, a measurement system that takes into account the Triple Bottom Line: social environmental and economic factors. SROI helps the management of companies understand the scope of their decisions in a broader sense than just monetary policy.

Why Return on Investment Matters

Return on Investment calculations is important, as they show how your money is producing a profit. It does this in a manner that is able to show both the efficiency and the magnitude of the respective asset. Moreover, the Return on Investment analysis can act as an alarm bell, as negative products of the equation should see the immediate withdrawal of capital from the investment.
However, it must be remembered that ROI is easily manipulated and does not take into account certain crucial factors, time being an example. Despite this, it remains a critical weapon in the armory of the investor. A Return on Investment Analysis should form the foundation of any well-considered investment.

Avatrade Review

June 4, 2018 by Forex guru

AvaTrade is a company that was launched in the year 2006 as a CFDs and online forex broker based in Ireland, Dublin. The company specializes in providing services of trade for commodities, market indices, bonds, Bitcoin, equities, and Exchange Traded Funds. Since the establishment of AvaTrade (avatrade.com), the company has rapidly expanded to serve almost 210,000 accounts worldwide. The company executes over two million transactions monthly. It always goes beyond the mark of $60 billion in total value.In this AvaTrade forex review we can see that Avatrade is a company with a focus that is customer oriented and a strong financial background which enables it to give their customers a full range of products and services. This is evident from the diverse platforms of trading that AvaTrade avails and have gained support from global support staff available in five days a week. Apart from the main centers in Ireland and Dublin, the company also operates other offices is some countries’ big cities like South Africa, Tokyo, Sidney, Nigeria, Milan, Ulaanbaatar, and Paris.

AvaTrade Regulations

The company is regulated by Ireland’s Central Bank with other regulators that are well known including the Financial Services Commission and Australian Investments and Securities. The company is regulated tightly in areas like Japan with a number of agencies like Japan’s Commodities Future Association, Japan’s Financial Future Association and the Financial Services Agency. The broker has been able to meet the required of the regulatory agencies and other trading requirements since it was a beginner until now it is a trader that is experienced.

Regulation list :
• The Central Bank of Ireland, (Reference No.: C53877) Avatrade EU Limited
• Japan’s Financial Services Commission – the Financial Futures Association of Japan (License No.: 1574).
• Australia’s ASIC – Australian Securities & Investments Commission (License No.: 406684)
• Worldwide – British Virgin Islands Financial Services Commission

AvaTrade USA – Avatrade is not regulated in the USA.

AvaTrade Reliability

Reliability is among the biggest concerns of traders concerning a broker. This can be associated with the fact that the online industry of trading has been associated with scam traders for many years. Mostly, traders that are beginners are normally very careful to ensure that the broker whom they are being associated with is reliable and legitimate. For this broker, reliability is not a concern for traders anymore. AvaTrade is a broker which has been operating for more than ten years and therefore has established a good reputation in the online community of trading as a broker that is reliable and one with integrity. Also, the broker is regulated and authorized and complies with even the regulatory requirements that are the strictest . The broker is also in a position to offer its traders an environment that is regulated and safe which they trade with peace. The company specifically has authorizations and licenses from Jurisdictions like Japan, Australia, South Africa, European Union and the British Virgin Islands. AvaTrade has won various recognition awards since the year 2009 for its reliable record and its achievements. Best Customer Support, Best Financial Trading provider, Best Forex Trader and Best Alert System are just but a few of its awards since the year 2009.

AvaTrade Platforms of Trading

AvaTrade has made available several platforms of trading for its customers and this makes it the most attracting thing about the broker. The company’s customers have got a total of eight platforms of trading to select from. The broker has the MetaTrader platform for mobile trading, Mac, Floating spreads, webtrading and MetaTrader 4. The other platforms are automated trading platform and the AvaTradeAct platform.

The platforms are also available for mobile phone devices. The broker supports the technology of iOS and Android as well. The customers or traders have a choice of between AvaTradeAct and MetaTrader platforms. For it to be suitable for beginners also, the broker provides automated trading which provides tools that can assist in improving the profitability of trading for the beginners. Those traders that do not have experience in trading can get platforms with automated trading to be helpful since they enable them to mirror or copy those trades that have been done by traders that are experienced. This is also helpful in boosting the level of confidence of the beginners making them engage more in trading activities.

AvatradeGO is a trading tool for mobile trading that is highly customizable and simple which enables traders to make automatic trades as per the style that they prefer. For Mirror Trader, the client is in a position to mimic the transitions of traders that are experienced even without access to the computer. The tool allows users to select the amount of trading to be automated and the one to control manually. Zulutrade enables clients to convert recommendations of the traders that are experienced automatically into dreading decisions. MQL5 signal service enables a user to have access to one of the biggest communities of auto trading. It is an account which is given for free and allows a trader to copy from several signal providers globally after subscription . API trading is for those clients with strong skills in programming whereby they can develop their own customized solutions of trading and link them to the platform of AvaTrader securely.

MetaTrader – MetaTrader 4 is one of the most widely used trading platforms in the world. It is especially designed for a trader’s workplace enabling trading in most currencies and financial markets. It offers all the essential tools for analyzing price variations in different types of financial instruments. You can also use it for creating and using regular trading programs.Visit broker and download platform: Avatrade mt4 download

AvaTrade Types of Accounts

The broker gives its customers two categories of trading accounts. The first one is a standard trading account and the second one is a demo trading account. For a client to have a trading account, they have to have a minimum of $100 depending on the account currency. There are accounts which are swap-free for the Muslim traders that want to conduct trade as per the Sharia principles.
For the traders that want to possess several accounts, the company provides a Multi- Account Manager account which comes with extra features. These include the capability to create several accounts of sub trading simultaneously, all the order types of MT4 like close, limits and stops, a minimum of 0.01 lots, multiple parameters of allocation, placement of orders for a number of clients that us unlimited and expert advisors. With this multi-account system, the trader is also in a position to have access to all information and can divide or separate client sub-accounts to manage the accounts sufficiently.

AvaTrade Trading of Cryptocurrencies

AvaTrade has been providing the trading facility of cryptocurrencies since the year 2013. Initially, AvaTrade traders could trade Bitcoin on the proprietary platform and via the MT4 (MetaTrader 4) platform. With the popularity in cryptocurrencies, the company has several other cryptocurrencies in its portfolio of cryptocurrencies. Currently, there are eight cryptocurrency categories that AvaTrade supports. Avatrade Cryptocurrencies list: Ripple, Neo, Bitcoin, Dash, Bitcoin Cash, Litecoin, Monero, and Ethereum.
Trading of cryptocurrencies at AvaTrade entails dealing with financial derivatives like CFDs unlike other exchanges of cryptocurrencies. A client does not buy and sell using the cryptocurrencies but instead uses CFDs that enable them to capitalize on the movements of the price of the cryptocurrency. The pros of AvaTrade’s cryptocurrency
Trading with CFDs is that it is affordable and has the ability to profit from a rising market and falling market as well. Trades can be leveraged by up to a 1:20 ration in addition to the facility of leveraging offered by AvaTrade. Avatrade bitcoin trading offer is one of the most interesting in the market.

The Spreads and Commissions of AvaTrade

AvaTrade traders can trade different instruments with spreads that are floating or fixed. Some of the spreads for the most frequent currency pairs that are traded include EUR/USD, USD/JPY, NZD/USD, EUR/JPY, GPB/USD, Gold, and others. AvaTrade provides variable, fixed and floating spreads which start from 0.8 pips. The spreads of AvaTrade are among the internet broker markets most competitive.
There are several categories of orders which are availed at AvaTrade and this includes limit orders, stop loss orders, trailing stops, entry stops, entry limits and market orders. The funds of clients are stored in accounts that are segregated for security reasons. Spread betting and hedging are allowed . Spread betting is a trading that is tax-free which entails placing both short and long spread bets on over two hundred different instruments of finance with a leverage of up to 400:1. This is available on the MT4 platform and can be conducted from a standard or demo account. It is exclusively available to Ireland and UK traders.

The Withdrawal and Deposit options at AvaTrade

The company’s trading accounts with debit cards, credit cards or wire transfers. Other electronic transfers of payment can also be used with AvaTrade through eWallets. These include WebMoney, PayPal, NETELLER, and Skrill. The methods of withdrawal are similar to the deposit methods. For a client to make a withdrawal request, they simply fill the request withdrawal form via MY AVA and follow a list of instructions provided. It takes around five days of business for the process of the request to be completed. There are also additional days for the entire process to be done and money to be deposited in the client’s account. For those that want faster processes of withdrawal, there is the option of applying for the Ava MasterCard which cuts the time of withdrawing significantly.

AvaTrade Promotions and Bonus

The company provides a welcome bonus for those that sign up for accounts. The range of the bonus is between $100 and $10000 as per the deposited amount. The other bonus program is the referral bonus which is available for all traders. This is offered for every referral that is successful. Currently 50% avatrade bonus is the best promotion and offer from Avatrade till July 2018.. There are several conditions and terms which are subjected to withdrawing the bonuses offered.
There is also a special program which is the select program of Ava that gives awards to those clients that make a minimum single $100000 deposit or those which go beyond this amount in volume trade with a number of special offering like special gifts, benefits, dedicated select hotline of Ava, express approvals of withdrawal and education programs that are tailored.

AvaTrade Customer Support
Customer support is handled by a multilingual team of support representatives at AvaTrade. The customer support services are available twenty-four hours in five days and this ensures that the traders at AvaTrade get the assistance they need always . The traders at AvaTrade can communicate to the members of support through email, telephone, fax, live chat and social media. Among the best characteristics of the customer support of AvaTrade is that their support service is localized. There are several localized telephone numbers which the traders can take advantage of because of the cheap telephone charges.

The company has a commitment to offer high end service. Therefore, they offer impeccable customer support services through Live Chat, e-mail, and local telephone numbers in almost 3 dozen countries. This makes it possible for almost every trader to reach the AvaTrade customer support in their own language. AVATrade customer care unit goes online for as long as the markets remain opened. It is available for 24×5 hours except the weekends. Along with corporate based HQ AvaTrade have also enlisted contact numbers of more than 20 locations spread all over the world that enables you to reach in your preferred language. Extremely responsive customer services are fairly assistive.

AvaTrade offers the clients and customers with most comprehended support system. The website supports various types of languages, such as:
• Spanish
• Russian
• Portuguese
• Japanese
• Italian
• German
• French
• English
• Dutch
• Chinese
• Arabic
Traders can contact with the customer support system through:
• Send mails by filling up the contact form
• Live Chat
• Trustworthy
• Telephone (more than 30 local numbers as available in different countries)

Education
In addition to the several benefits that a trader at AvaTrade receives, the traders are also entitled to access of a series of courses online, daily analysis and live webinars. AvaTrade offers education courses through SharpTrader.com and AvaTrade. The information is comprehensive and organized well. It covers several topics like economic indicators, Forex, commodities, and CFDs. A trader is allowed to select between the written courses and the video-based courses. The written coursed provide a deep analysis of the individual subtopics. The video-based topics cover the advanced topics and the beginner topics. Also, there are courses on technical analysis, trading tools, trading strategies and many more. The courses are also applicable to very trader regardless of the market they want to trade or are trading. The company also posts integrated live market news into the platforms of trading.

The Pros and Cons of AvaTrade
The pros which are associated with the broker company include multilingual support, a generous bonus, regulated broker, and negative protection of balance, floating and fixed spreads availability and multiple choices of the platforms of trading.
The cons associated with AvaTrade are; not having the best layout of a website, not having volume discounts, slow process of withdrawal and FAQ lack depth.

Conclusion
All in all, the company does very well. AvaTrade gives several customizable and stable platforms of trading to its clients. These range from simple platforms like MetaTrader 4, AvaTradeACT to specialized ones like RoboX and DupliTrade. Since clients can have access to mobile applications, browser-based applications, and desktop applications; it attracts beginners and even the experienced ones as well. Beginners will find the educational opportunities and tools adequately comprehensive to get started. The traders who are seasoned will also appreciate the vast and flexible catalog of trading tools given by the platform of MT$. The company provides its clients access to several financial markets including commodities, individual equities, stock indices and Forex.

An online broker, AVATrade has expertise skills that are applied to render award-winning performance and praising services in forex and also in Contract for Differences (CFDs). AvaFX in recent times has gained reputation as AVATrader. Many significant awards like “Best Broker”, “Best Forex Customer Service” and “Best Financial Derivative Trading Provider” are awarded to this popular brokerage service as available from 2009. With the noble aim of providing better and quicker services to the customers CFD broker and Forex decided to rename themselves in spite of their prominent presence as maintained in the markets as “AvaFX”. Emanuel Kronitz, Ava Group CEO said that launching of this new brand as recorded in the past records of the company happens to be a very important milestone. She further added that it ensures long-term availability of dynamic and diversified trading product range which stimulates and the major driving force behind the growth of Ava.
I like Avatrade and its marketing as well. See this funny video:

What is your opinion ? What do you think about $10,000 free bonus for new clients and this avatrade forex broker review and avatrade bonus ?

Google Will Ban Online Ads of Cryptocurrencies in June 2018

May 30, 2018 by Forex guru

Recently, claims have emerged that the advertisement of cryptocurrency ventures is becoming difficult on Google. This follows a move by Facebook to ban all the cryptocurrency ads. People are wondering if Google wants to follow a similar route. There are sources saying Google has not announced any official changes concerning its policies for ICOs and cryptocurrencies. The worried voices that are coming from the marketing industry of cryptocurrencies, however, paint a different picture . Google is the chief of internet and looks like it wants to go after the fast-growing and prominent cryptocurrency industry.
Advertisers are already reporting challenges and difficulties in advertising products that are blockchain and cryptocurrency-oriented.In April 2018., Google bans all cryptocurrency mining extensions from Chrome Store. The channels which showcase content that is crypto-related are reporting that they have been banned from the platform of YouTube. The changes of policy by Google have not yet become official but many firms and PR agencies have reported a drop in the performance of customers who provide cryptocurrency services. There are even cases where the advertisers get their ads rejected and even suspension of their accounts. Some companies have also reported that they have witnessed a drop in AdWords performance by thousands in a day. The drop in the numbers coincided with the adverts that crypto-currency related being regarded as limited during submission.
The recent approach to cryptocurrency is not however limited to the realm of advertisement only. Some bloggers of cryptocurrency and shows have also reported that they have found out that their channels have been restricted or even suspended. Some of the restriction includes cancellation of the feature of Live Video and demonetizing. People are still trying to understand why it is all happening when Google has not made any official announcement of a change of its policies. People have come up with several theories whereby some are contradictory and overlapping at the same time.
One such theory is that this is an overreach by the policy of Google against malicious ads, crypto scams, and fake news. The other common interpretation is that Google is being meticulous in regard to advertisements that are coming from the cryptocurrency advertisers. There are claims that the policy of advertising is very clear by Google but when it comes to cryptocurrency firms, the approach gets a bit stricter and unforgiving as compared to the other industries.
The Prospects of a Ban

The other explanation being given by reliable sources and other forums of professionals is that it is an the intention and effort of Google to restrict advertisements related to cryptocurrency and even go to an extent of blocking them. According to a reliable source, the move of banning the cryptocurrency ads was raised by a Jason Roy, a Canadian regulator four months ago. The senior investigator said they were pleased by the move by Facebook to ban the ads and he hoped that Google enacted the same policy. The move was rejected at first by Google claiming that it did not want to prevent the whole industry from advertising as much as it was already dealing with fraudulent and misleading ads. However, it looks like it eventually changed its mind.
Sources have confirmed that Google is really intending to ban the ads which are related to cryptocurrency. Google is banning any advertising related to cryptocurrency. The update is said to go into effect starting June 2018 . The company is updating the ad policies that are related to finance to ban advertisements regarding content related to cryptocurrency including trading advice, wallets and the initial coin offerings. This means that even those firms with legit offerings of cryptocurrency will not be able to advertise through Google advertisements products. The company claims that they can’t know the future of cryptocurrencies but they have already seen potential harm and hurt to consumers that the business is causing and they want the matter to be approached with caution. As much as the boom of cryptocurrency has offered big wealth and excitement, it is a space that is still unregulated and this has given out numerous scams of high profile.
This comes after social media platforms like Facebook banned advertisements which are related to cryptocurrency so as to protect its viewers from Ponzi schemes, fraudulent sale of tokens and ICO scams. The move came with the report of “bad ads”, a review of the controversial, deceptive, malicious advertisements that Google scrubbed from its massive video, display and search network. However, this is contradictory to what the leaders of such platforms like Facebook think. The people who are responsible for creating platforms of social media like Facebook have praised cryptocurrency and the technology of blockchain underlying it. It somehow creates juxtaposition since the companies which they are responsible for have enacted policies which stifle the development and adoption of blockchain.
A representative of Facebook has said that the policy is broad intentionally as they work to detect the misleading and deceptive advertisements better. It is likely possible an advertisement from a cryptocurrency related company or business might not be allowed on Facebook even when it is not related to any aspect of cryptocurrency. Facebook is however committed to refining and revisiting the ban policy as the signals are enhanced to allow for the advertisement of services and products that are not related to cryptocurrency even from the crypto related companies. The innovative startups might have to go elsewhere if the financial watchdogs in the United States and other parts of the world do not develop clear rules for the market of cryptocurrency.
Also, there is an irony to the move of Google. As much as the adverts regarding cryptocurrency will end, Google might be stiffing the development of companies that it has actually invested in which use cryptocurrencies directly. There are companies such as Storj, blockchain-based cloud storage and the platform of payment Veem that Google has financially backed which will be unable to make advertisements on the search engine as soon as the ban is brought into effect. The move of banning cryptocurrency advertisements comes less than a year later after Alphabet; the parent company of Google put investments in Blockchain.info online wallet which is based in London. It also remains a mystery how services like this will be in a position to advertise after the ban is brought into effect.

At that time, the partner of Alphabet Hulme Tom said that the company’s investment raised almost 72 million and the overall funding was necessary since the innovation pace in the space of digital currency is unmatched. Yet the wallet providers of cryptocurrency will not have access to the biggest internet search engine in the world in less than one month – New restricted financial products policy (June 2018).
Google said last year it took down over 3.4 billion advertisements which violated its standards and regulations and this was almost double the 1.8 billion ads that were taken down the year 2016. Alphabet, the parent company of Google makes almost 80 % of its revenue from ads and there it is important to convince advertisers the company’s ecosystem is effective and safe.
The Impact of the Ban
There are a few individuals who might mourn the advertisements barrage for the shady initial coin offerings which promise a return of 10 times and more. However, the space of cryptocurrency is a new economy that is booming and such a general ban may end up hurting other cryptocurrency businesses that are legitimate. Blockchain looks like the next financial big thing and Airbnb and Uber that are blockchain-based are being envisioned already. Actually, it is hard to get an industry that the startups related to blockchain are not threatening to disrupt. In the real sense, not all the crypto businesses are scams. So is the move to ban advertising from all these businesses on the major internet platforms good?
A Cryptocurrency Company’s CEO, Trevor Gerszt said he is not afraid of the move but he does not welcome it. It is a frustration for a legitimate business like Coin IRA which has done everything to comply with policies and offer legit investment products to be punished together with the scum ICO schemes (“Exclusive: Is Google Quietly Purging Cryptocurrency Ads and Content? | Finance Magnates,” 2018). However, the ban on ads may not affect the more reputable and established businesses of cryptocurrency as more as they are bound to impact the small businesses that want to use advertisements to gain brand recognition. For the startups, this means the ban will make it harder to get funds through an ICO. For the cryptocurrency related businesses like wallets and crypto exchanges, the move to ban such ads is definitely bad news. The startups which are blockchain based will be allowed to post their ads on Google as long as they do not include the aspects of crypto in them like wallets, tokens, ICOs, and others. The policy does not apply to technologies related to blockchain which do not have a relation with ICOs and cryptocurrency but the advertisements have to adhere to the company’s other policies.
The famous biggest digital currency in the world, Bitcoin has dropped to month low after this incident. The company slumped to its lowest level in a period of less than a month after the claims banning online advertisements that promote initial coin offerings and cryptocurrency. The industrial officials have said that these regulators are required to give greater clarity of the regulations. Bitcoin dropped by 9 % to $8367 which is the lowest it has reached since January when the company announced that the restriction will start working in June (“Google bans cryptocurrency advertising,”2018).
Some of the CEOs of crypto-related business have said that they do welcome the ban and the people that might be disappointed by the move are the con artists and the scammers. The large amounts of money which are earned in ICOs are based on relationships and most issuers who are legitimate have a good connection with blockchain and crypto funds. Some CEOs argue that the ban will bring a positive transformation to the industry and will assist in cleaning garbage (“Exclusive: Is Google Quietly Purging Cryptocurrency Ads and Content? | Finance Magnates,” 2018). The CEOs of Delta and CrowdfundX are not worried either. They say Google wants a better experience of advertisements for the viewers and the cryptocurrency community as a financial market also wants legitimacy. The restrictions are definitely part of the steps to filter the illicit businesses and activities from those which are genuine and have innovative products.
The market will become stable eventually and the activities which mislead will be removed. The companies that are going through ICOS should concentrate on showing their value through evidence and creating innovative and great products. In a way, it is not strange that the legit startups which are blockchain-based are not worried about the ban. Several startups have to fend off investors like Gems and Theta that have canceled ICOs recently because they raise too much revenue in the private pre-sales . As much as some startups that are unlucky though will be hurt by being unable to advertise their sales of tokens, it looks like the blockchain space has become so hot that even the general ban will not kill or even hinder it. It may just make it slow for some time.Some experts see The Cryptocurrency Industry Might Actually Benefit From an Ad Ban
Where To ?
This is a question that cannot be answered for some time. The entire world is waiting for regulatory rules and guidelines that are clear on ICOs and cryptocurrency. As much as the likes of SEC are pioneers in this space, we might experience constant apathy towards promoting cryptocurrencies and ICOs on several online platforms for a period of time. Unless there are guidelines and firm rules that will protect may viewers and users from misleading opportunities of investments and ICO scams, the extreme sanctions will still remain. Otherwise, the efforts to ban these advertisements will go to waste if the guidelines are not very clear and strict.

What is Blockchain technology ?

May 30, 2018 by Forex guru

Blockchain definition
Blockchain technology explained simply: “A blockchain is a digitized, decentralized, public ledger of all cryptocurrency transactions.” It consists of blocks – bitcoin blockchain blocks. Blocks are the most recent transactions and they are recorded and added to it in chronological order.Blocks keep track of digital currency transactions without central record keeping.

Blockchain explained
IBM made excellent free ebook “Blockchain for dummies” and important informations you can see in this video:

Blockchain is a new type of internet which allows information to be distributed without being copied. With the continuous evolution of the world through globalization, technology has also not been left behind. It is bringing along ways that are fast enough for people to comprehend systems behind their easier and quicker way of transacting, especially online. Blockchain technology, however, is not a new phenomenon. Surprisingly, its existence dates back to the year 1991. Stuart Haber and his colleague Scott Stornetta explained in theory at first, of how they were to develop a system, whereby the documents would get time-stamped to avoid backdating and tampering. The following year, they were joined by another colleague, which saw them improve on their earlier designs and concepts to enable several documents to be collected and eventually stored in one block. Blocks are typically storage centres of data or information. Various blocks are joined together to create a Blockchain. For the blocks to be tamper proof, each one is secured using the cryptography system. These imply that every block contains a cryptographic hash, which is a unique identifier such as a fingerprint or a specific code. For security and prevention of a possible hacking, no cryptographic hash of any block is similar to the other.
The first of the Blockchain technology prominent use was witnessed in 2008 when its usage by Satoshi Nakamoto in cryptocurrency revolutionized his company- Bitcoin. Dealing with digital currency, Bitcoin needed a foul proof public ledger that recorded transactions between parties in a permanently efficient and verifiable way. This revolutionary- Blockchain technology- is open and managed on a peer to peer network for verifiability through internode communication and block validation. Due to its permanence and ability to record events, as well as its impenetrably nature, the technology is viable for use in other areas such as health record management, voting, processing transactions, managing identities and storage of classified documents. This is because once an event is recorded, the ability to delete or alter is barely impossible without interfering with other blocks in the chain attached. Even then, the time required to do so is too much that the system will have detected the breach.

Essential Characteristics of the Blockchain Technology
Anonymity is where a person’s identity does not get revealed at any given time. This feature is critical since people require privacy, especially in transactions. As for Blockchain technology, every user is allowed an opportunity to interact via a generated address. This is where their real identity is not unmasked, and this reveals one of the Blockchains unique features that has made it popular and enabling its extensive use. On the other hand, lack of a centralized protocol is also another essential component of this technology. When data is in a central location, for example the central or federal reserves, every transaction performed needs authentication and validation by a statutory body such as the central bank. This background check leads to increase in operating costs and subjects the user to many hurdles before approval of payments. This process is tedious, frustrating and takes time to process sometimes extending to days. However, a decentralized system does not require oversight from a third party. Therefore, it is not a requirement for one to report or even inform the authorities when transactions occur. This makes the Blockchain technology fast and reliable in cases where instant or quick exchanges are needed.
What’s more, Auditability and persistence are among other reasons why the Blockchain technology is well embraced in cryptocurrency transactions. Due to the multiple nodes verifying information, it is critical to note that data gets verified instantly and reliably in the shortest time possible. This ensures that invalid transactions are immediately discovered and therefore, do not get admitted. Their strict protocol provides that deletion of operations, as well as roll backing them, is impossible, ensuring everything is above board.

Blockchain Technology Usage
Various sectors continue embracing the technology due to the various inventions it possesses. For instance, Blockchain technology is developing into a game changer in enhancing healthcare systems. For every healthcare provider, quality service delivery is top of their agenda. Through this technology, it is evident their chances of success are more likely to occur. It is clear that patient care management is directly in line with the achievement of quality care. Various institutions have set up rules and regulations in ensuring that this area is not subject to neglect by health care providers. In this case, Blockchain plays a significant role here in that; it allows alteration of data to get done by community users and various professionals. It is mainly through authentication of the persons. Through the private key cryptography, a digital identity gets created, and the changes added to reflect on the system within seconds. In the medical field, this is crucial as any combined data helps in decision making.

by bpalacio@mac.com.

From Visually.

The distribution of ledgers is also a revolutionary technique in this industry. The open system guarantees access to experts while serving as a storage facility for data. Additionally, this data is verified, signed digitally and authenticated in real time. The safety of the information is an added assurance that since all members keep a copy of the data, no single user can alter the data. These systems are not entirely new, hence it is easy to transfer and pick up during an introduction. It is also worth noting that the healthcare industry too is a business like any other. Hence, when Blockchain technology enhances transactions in firms, several are healthcare related.
In the business industry, specifically the financial service providers, insurance companies, asset managers and banks, they are all set to benefit more from Blockchain technology. Access to a whole range of well-interconnected databases and cryptography has continually allowed such institution to gain unlimited access to tamper-proof digital ledgers simultaneously. Earlier the institutions mentioned above ignored this idea, assuming its failure. However, the Blockchain usefulness in the industry led to the consistent growth of these industries venture capital. Areas such as clearing and settlement of trades and loans in financial institutions are set to gain much. Saving of wastages accruing to $10 billion has been projected across the industry on an annual basis when Blockchain is integrated into the system. This proves that the technology is not only efficient, but provides an opportunity for businesses to control leakages that sometimes run them dry financially.
The Australian securities exchange, for instance, seeks to migrate all its post-trading operations and settlements on to a Blockchain system. Payments too, especially by central banks in various regions are set to move, and this is due to the realization of the advantages technology brings especially when it comes to fraud prevention and data security. The reluctance by the Switzerland Central Bank to embrace the technology after several calls from local financial players has led to some commercial banks within Switzerland to go it alone to a point where they are raising their own digital currency. Additionally, many central banks across the globe intend to raise digital currencies to curb the growing challenges that Bitcoin possesses on their monetary policies.
Moreover, the Blockchain technology can also get used in identifying clients and immigrants, especially in cross-border trades and entries. As it continues to enhance trade, various sectors too are mainly benefiting who include the agriculture industry, music industry and smart appliances, where in particular, users continue enjoying more control over their devices.
We can a lot of articles and case studies related to blockchain. For example this technology could help reduce the big internet companies’ influence and return the web to his original vision.
Blockchain technology could solve the internet privacy problem, Social Media’s Biggest Problems or Revolutionize the Healthcare Sector, solve whiskey counterfeiting; Ssolve the Water Management Crisis etc.

The Demerits of Blockchain Technology
Although Blockchain has been termed a revolutionary in the business and tech world, there are several challenges affecting the effectiveness of this technology. With the growing movement to cryptocurrencies and the continuous growth of Digital Coins, transactions are increasingly becoming bulky. It is, in turn, hindering effective service delivery due to the restrictions on the optimum time to generate a new block. With the speeds of processing transactions set at seven transactions per second per block, it is increasingly becoming a challenge to transact effectively, especially those with low transaction fees. This is because data miners prefer sales generating higher prices as opposed to those with lower fees.
Another major demerit is privacy. Blockchain can only preserve a small amount of private information on both the public key and the private key. Recent studies show that since transaction amounts and balances are publicly visible, it is not possible to guarantee ultimate privacy to a user. For instance, in Bitcoin trading and mining, transactions can get linked to reveal user details. This is through classification of buying behaviour and narrowing it down to given specific information such as the user’s age, gender, and area of residence. Therefore, in some cases, the user complete anonymity cannot be guaranteed.

Conclusion
Technological advances continue to improve the world in various ways of life. It is important to embrace these technologies as agents of change and simplified ways of doing things. Blockchain technology as witnessed is a promising product, especially in improving businesses and promises to offer a lot in other crucial sectors such as immigration and health care system, especially with medical health management. Central banks in New York, China, and Sweden among others, continue to evaluate the usefulness of this technology in their business models and how they affect their monetary policies. With the enhanced security protocols, its wide range use and reliability will attract many businesses into its adoption. The Blockchain technology is the modern world tech revolution and change to its adoption specifically in the financial sector seems inevitable.