Binance Review 2018: Comprehensive Crypto Coin Exchange
Binance is a Chinese cryptocurrency exchange. Binance was created after attracting funds via an ICO (Initial Coin Offering – creating a new digital asset, backed by the project. Changpeng Zhao, former CTO at OKCoin is currently at the helm of Binance. They are known for fast processing speeds coupled with an ability to process enormous numbers of transactions (1.4 million) each second. It’s been quickly gaining ground in market share cementing a place as a top 20 exchange in terms of volume.
Binance transaction has reached a new level and currently score tenth place in the world. Binance offers a generous daily withdrawal limit. They don’t need identity confirmation when the per day remittance is within limit of 2 BTC.
Binance Features
Binance’s trading platform is web-based. Furthermore it offers two distinct trading layouts, a more simple one and a “Pro” version.
Their ICO has created tokens named BNB that are traded on the exchange. They can also be used as a method of paying your trading fees, which will reduce them by 50%. Binance offers their own startup incubator platform as well. The trading functionality of the platform was of more interest so we focused on that for the purposes of this Binance review.
Below is the “standard platform” look:
Below is the advanced display:
BINANCE Advantages
Large Cryptocurrency Pairings Supported
The competitive advantage of Binance’s platform is the ability to trade every major cryptocurrency pairing in existence. Coinbase and Gemini only offer trading of a handful of the larger market capitalization cryptos, whereas Binance allows users access to trade over 100 crypto coins.
Low Fees AND LIMITS
The fee structure is simple as well as being priced. There is a flat 0.10% fee on all trading. The 0.10% fee on trades is one basis point. If you were to buy a cryptocoin at 100 you’d have to sell it higher for 101 to profit.
Ease of Setup
Setting up an account is straight forward, similar to signing up for an account with other service providers. Another advantage is there is no lengthy waiting time, users are able to get setup and running within minutes. This is due to the fact that fiat is not accepted on the exchange.
Binance Provides Significant Trading Volume
Binance is currently the third largest exchange by cryptocurrency trading volume, according to coinmarketcap. At the time of writing, Binance’s volume was an astounding $5,441,711,452 in the last 24 hours! This volume demonstrates their users clear trust in the exchange, as well as the accessibility of the exchange and ease of transacting. This type of volume requires substantial servers and computational power.
Wide Support of Cryptocurrencies
No Verification Requirements
Binance doesn’t require identity confirmation in instances when the per day remittance is within the limit of 2 BTC. The attractiveness of setting up an account with Binance may be greater for a user in a jurisdiction where certain exchanges choose not to allow new users because of restrictions imposed by that location’s governing regulatory bodies.
Ease of Use
You’re able to buy and sell crypto pairings with market or limit orders while specifying the amount or percentage you wish to trade for each transaction.
BINANCE Disadvantages
No Leveraged Margin Trading
Margin trading is not available at Binance. Margin trading is a system which allows you to trade with more money than you actually have in your account. Your balance is then used as a guarantee to maintain your position open.
No Fiat Functionality
This has both advantages and disadvantages. Government fiat deposits are not currently enabled in Binance, instead this exchange focuses only on the digital side of things. Clients can deposit and withdraw the coins supported at the exchange. This means that you’re not able to deposit or withdraw in fiat currency, only cryptocurrency is supported.
Relatively New
Binance was started in only July 2017, according to this Reddit post. This is a major concern, as they don’t have a history. Despite all the good things people are saying on Reddit. it’s worth mentioning as many exchanges have come and gone. Binance appears to have a visible co-founder, unlike BTC-E.
Conclusion
Accessible option for obtaining Different Cryptocoins
Binance is the most rapidly-growing and communally praised cryptocurrency exchange available. It’s China based location may spell issues in the future due to rumors of a “crackdown“. that currently accounts for a large amount of volume. Although Binance targets high frequency traders, it is quite useful for those getting beginning with altcoin trading. Their lack of fiat money deposits may be difficult to swallow for beginners, only supported cryptocurrencies may be deposited. Binance boasts a large number of various cryptocoins for trading.
The main benefit is the ability convert between cryptocurrencies. For instance exchanges such as Coinbase and Gemini are more limited in the number of cryptocurrencies offered. The interface is also conducive to support shorter duration hold time day trading of cryptocurrencies if one were so inclined to deploy that strategy. Binance is an exchange worth looking into and integrating into crypto trading just for their large amount of supported crypto coins.
6 Dental Insurance Plans With No Waiting Periods
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BY JIM PROBASCO Updated Dec 12, 2018
People buying their own dental insurance (as opposed to those covered by an employer's plan) sometimes get a nasty surprise when they sign up: a waiting period. Unlike regular health insurance, in which coverage usually starts immediately or at the beginning of the next month, dental plans often come with a delay between enrollment and the actual onset of coverage for some or all services. It could be six months to a year or more.
What's the big idea? Basically, to prevent people from signing up for dental insurance when they need an expensive procedure (like a series of root canals or a bridge) – and then dropping the plan, and its premiums, as soon as the work is finished.
It's enough to make you wonder Should You Bite on Dental Insurance? But assuming you do, let's see if there are ways to get around the wait – or at least, make it less onerous.
Types of Coverage
Some categories or types of dental insurance plans offer immediate coverage.
Group Plan
Often, there is no waiting period in a group plan, like one offered by an employer. Of course, if you were eligible for a company-based plan, you probably wouldn't be shopping around on your own. However, the same privilege might be had in a group plan offered through an organization such as AARP. With their plans, there's no waiting period for preventative services, at least.
Preferred Provider Organization (PPO)
Some insurance plans organized as preferred provider organizations (PPO s) do not have a waiting period. “Preferred provider” refers to a dentist who is in the insurer's network. It's to your advantage to visit one; non-participating practitioners may be covered as well, though to different degrees and at different rates, usually.
Blue Cross Blue Shield has a plan called BlueCare that does not have a waiting period for preventative services and many non-surgical procedures. United Healthcare's United Health One is another. Major surgical treatments and restorative work do require some wait time, though that can be curtailed to some extent if you're coming off another dental plan.
Discount Dental Plan
Discount dental plans are not technically insurance. They are, as the name implies, organizations that have negotiated discount prices with participating dentists who make up their network. You pay an annual fee to have access to these dentists and their reduced rates.
Discount dental plans do not have a waiting period. If you want to sample some options, you might want to search a source such as DentalPlans.com.
Specific Dental Insurers
The following highly rated dental insurers have plans with no waiting periods for one or more classes of service. Note that the benefit of immediate coverage often comes with conditions.
Delta Dental
Delta’s PPO Direct and PPO Direct Plus plans feature no waiting periods for Type I diagnostic and preventative services, which includes exams, cleanings, and X-rays. Type I services are covered at 100%.
Type II services (fairly basic procedures like fillings and extractions) have a six-month waiting period and are covered at 70%.
Type III services (major procedures, including crowns and dentures) have a 12-to-24–month waiting period and are covered at 30%.
Humana
Humana dental plans vary by state. Some plans have no waiting period for any services. Others have a six-month wait for fillings and basic types of oral surgery.
The HumanaOne Dental Loyalty Plus plan provides immediate coverage; there is no waiting period, even for oral surgery. The "catch" is that coverage amounts and percentages are lower in the beginning and gradually increase each year, reaching their maximum in year three.
Cigna
Cigna’s Dental 1500 Plan provides 100% in-network coverage for exams, X-rays, and cleanings with no waiting period. There is no deductible for these services either.
Basic restorative procedures require a six-month wait. Major restorative services have a wait time of one year. However, the waiting periods are waived if you present acceptable proof of previous dental insurance. There is also a $1,000 lifetime orthodontia benefit with a one-time $50 deductible.
Spirit Dental
One unique company, Spirit Dental, provides full coverage for all classes of service immediately with no waiting period. Depending on your state of residence, orthodontia may require a waiting period.
Coverage varies by state and is subject to state regulations. Plans range from Spirit MaxCare Silver to Spirit MaxCare Gold to Spirit Dental Indemnity Gold. The percentage of the cost of the service that is covered goes up each year for three years and can be adjusted for a higher annual maximum, based on the premium you pay.
Denali Dental
Another company with no waiting periods for any services is Denali. Like Spirit, Denali offers a range of coverage (based on the premium you pay) as well as increasing coverage based on the number of years you have an active policy in force.
Rates vary by state and coverage is regulated by the state in which you reside.
Physicians Mutual
If you live in an area where dental care is inexpensive and/or you rarely require major dental procedures, you may want to consider plans from Physicians Mutual.
The policies have no waiting period for preventative care, three months for basic care and 12 months for major care. The company pays a set amount for each procedure – based on the plan you choose – no matter where you live.
For related reading, see 5 Places to Get the Best Dental Insurance and The Average Cost of Dental Insurance in America.
The Bottom Line
In addition to companies listed here, you can check out other options by using a dental insurance search engine, such as the one available at the Dental Insurance Store. There you can plug in your age and ZIP code and get a list of plans available in your area. Along the left side of the screen, you can select various options that may be important to you – such as “no waiting period.”
Finally, don't wait for your oral problems to reach a crisis stage before you start researching. A true emergency is not a time to shop for anything – including dental insurance.
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