Changing the Dynamics of Investing by Enabling Community-Led Asset Management  

The world is experiencing a rising wave of rapid digital transformation. Amidst this change, DeFi and cryptocurrency have emerged more popular than ever. But there is still a large population of active as well as potential investors who haven’t yet joined the bandwagon. Among multiple reasons, the two major reasons for this are the complexity and knowledge gap that prevails in this domain. However, experts believe that this is the best time to enter the world of DeFi and make the most out of the vast opportunities waiting for investors. 

Moreover, we are witnessing the end of a 30-year secular downtrend in interest rates. As a consequence, bonds are no longer viable hedges for portfolios. At the same time, equities are at an all-time high in terms of P/E ratios. As inflation is bound to take an all-time high, it is in the best interest of investors to put their finances to use in the smartest way possible. 

Babylon is an Ethereum-based protocol that offers community-led asset management to help investors eliminate the knowledge gap and unlock incredible value through DeFi. There are a lot of investment opportunities in DeFi, but very few people know how to take advantage of them. To help overcome this problem, Babylon Finance has introduced investment communities in the form of “Gardens.” Based on a community-first approach, Gardens invite members to collaboratively deposit capital, suggest investment strategies, vote, and earn rewards. 

Babylon Finance enables users to tap into its ever-expanding universe of opportunity by joining Gardens, where they can invest in a thesis or asset class that matches their risk, time, and liquidity preferences. To execute this mechanism, Babylon integrates with multiple DeFi protocols that empower members with the tools they need to grow their assets. With a strong belief that crypto-assets are poised to become the best-performing asset class over the next two decades, Babylon Finance envisions providing easy access for everyone to explore this generational opportunity. 

The platform empowers the ever-growing community of investors to find the best strategies in the space by participating in Gardens that focus on different aspects of the crypto market. How to get started and make smart investments in the space of DeFi has been one of the most frequently asked questions lately. The main barrier that experts face is that it is not feasible to educate every single person one on one. Babylon is designed to create a multi-sided marketplace where a large number of members can benefit from the knowledge of DeFi from experts and strategists at the same time. 

Crypto has opened up an enormous opportunity for new investors, and the only way to take complete advantage of this new-age market is with an investment community. No single person can keep up with the pace in NFTs or DeFi (Decentralized Finance).

Babylon was conceptualized to solve this problem. The protocol was developed with a desire to share crypto investment opportunities with people that don’t have the time to get started. Even for existing individual investors, fees and gas costs can quickly eat into profits. But by investing as a community, members can crowdsource information, split investment costs and build wealth together.

This makes Babylon’s Garden the perfect platform to invest in DeFi. Gardens are super-charged investment clubs with all the power and composability of DeFi baked in. The protocol’s micro-governance model enables you to deposit, propose and contribute to the selection of investment strategies—all with the trustless benefits of the Ethereum blockchain, with BABL as the governance token behind it.

From amateurs to experts, Babylon is suitable for everyone who wants to share or get access to breakthrough strategies and gain maximum benefits from the market by following people they can trust. Babylon makes discussing strategies as easy as having a normal conversation on an instant messaging application. Essentially, every Garden is unique as it accommodates a range of investment thesis and enables deploying capital to different assets. By actively participating in capital deployment strategies, members of a Garden can claim rewards in $BABL, Babylon’s native token.

To ensure transparency and a community-first approach, Gardens use capital-weighted voting. Members can vote according to the number of Garden Tokens they hold, which they receive based on the amount of capital they deposit into the Garden. Voting is completely optional for members. 

Unlike other investing models where investors have to go through a series of aspects like slippage tolerance, max gas fees, and capital allocation limits, among others, Babylon’s flexible controls have been designed to manage all such aspects of the strategy to enable more control of every investment. The platform facilitates a minimum of 1% of the profits created through a strategy to those who voted on that particular strategy. In addition to this, a strategist can earn up to 14% of the profit share for proposing and deploying profitable strategies. When profit rewards are allocated to voters, they are divided proportionally to the number of Garden Tokens that each voter has used to vote on the strategy.

Additionally, community members of each Garden have the right to collaboratively choose where to deploy their capital and which protocols to use. By enabling such a visionary concept, Babylon Finance aims to provide a rich set of integrations and incentives for strategists as well as limited partners. Developed and designed to be a positive-sum game, the founders’ goal is to provide as much liquidity to the ecosystem as possible by transforming investing into a multi-player experience. 

“For the first time ever, you can join an on-chain investment club and build wealth together with others. Minimize costs, crowdsource information and consolidate your transactions. Babylon is transforming investing from a single-player into a multiplayer experience.” adds Ramon Recuero, co-founder of Babylon. 

As of today, over 1300 users have deposited around $20M into the protocol via 100 investment clubs (gardens). But now, Babylon is coming out of private beta by the end of March 2022. So, it is calling all DeFi investors, experts, and people working on a DeFi protocol to collaborate and invest as a community.

The Real Estate Marketing Tech Stack Driving Success For Real Estate Agents In 2022

Real estate technology has become a hot topic lately. However, not every real estate company is adopting these technologies, and those that don’t risk being left behind. Nonetheless, the question remains, how should real estate agents and brokers leverage technology today to stay competitive? The answer lies in adopting a tech stack that works for you and your business. The right stack brings together all of the technology tools real estate professionals should be using in their business today. This article will discuss what a tech stack is (for those who are a bit late to the game) and what tools you should add to your arsenal to leverage your leads more effectively.

What Is A Tech Stack?

When used as initially intended, a tech stack means a combination of programming languages and frameworks that work together to create a software application. However, in recent times and due to the proliferation of different types of technology, it has come to mean a collection of technologies that businesses can use to increase productivity and ultimately boost sales. When it comes to real estate agents and companies, this can mean things like an IDX feed, communication tools, and more. The idea is to allow an agent to become more productive with their time and close more sales than before. 

In today’s world, buyers are more informed than ever before and use technology to their advantage. A real estate tech stack is a way for agents to stay competitive in this market. Nevertheless, for a stack to prove effective, each component must be integrated enough with each other to avoid issues that could result in wasted time and possible miscommunication.

How Can A Well-Integrated Tech Stack Benefit A Real Estate Agent?

A well-integrated tech stack is necessary for a successful real estate business. It allows agents to leverage their time, communicate with clients more efficiently, and keep track of their inventory. The best way for a real estate agent to benefit from technology is by automating specific tasks. This will allow them to focus on what they do best, serving clients and closing deals. Essentially, the more integrated each component is, the more efficient your time will become. For example, you might want to integrate an internet data exchange feed with your website, which should automate updating a whole raft of property information. This will save time while improving the quality of your listings. But while all of this sounds amazing, what tools do real estate agents really need to become more competitive and efficient.

Tech Solutions All Realtors Should Add To Their Stack

Any agent worth their salt should always search for ways to maximize sales. With that in mind, let’s take a closer look at which solutions are best for this industry and why an agent should add them to their technical toolbox.

Internet Data Exchange Feed

A real estate internet data exchange feed is a file uploaded to a multiple listing service (MLS) to provide information about a property. The listing agent typically uploads these feeds, but some MLSs allow for 3rd-party feeds to be used. The feed contains all of the information about the property, such as its address, price, and other essential details. The benefits of this real-time information for real estate agents are significant. They can use it to find out about new properties and listings that might not be listed on the public websites. It also provides them with a competitive advantage by allowing them to have up-to-date information about the market. Once integrated into your website, you will find that listings are updated on the fly, providing significant advantages in terms of saving time and enhancing efficiency.

Website Builders

Although many people use social media to find out new information, a well-designed website will always be essential for businesses. It acts as a calling card, a unified location to list your inventory, and an extra point of contact for interested leads. However, even though building a site has become easier than ever before, many agents simply don’t have the time nor predication to want to make one themselves. This leaves two options:

  1. Hire a developer: You will get a fantastic site but at a cost.
  2. Do it yourself: Cheaper, but the design might not be as alluring as one developed by a professional.

If you are starting and need to save some money, a website builder might be the next best thing. A website builder is software used to create websites and provides the user with several templates and some drag-and-drop features. The templates are usually customizable, and the user can change the color scheme and add pictures, content, and other elements to it. Some are free, and others are paid (or work on a freemium model), so it is up to you as to what you want to produce. Nonetheless, whatever option you select, you should ensure that you can integrate an IDX provider to receive the advantage mentioned earlier.

Customer Relationship Management (CRM) Software

CRM software is designed to help you manage your customers and provide them with personalized service. CRM software automates many tasks that are traditionally done manually, such as managing leads, tracking sales opportunities, and managing customer data. CRM systems are different from other types of customer management software because they are more focused on the relationship between you and your customer rather than on day-to-day operations. However, this personalized service can really differentiate you in the crowded real estate market.

Calendar And Appointment Applications

Without the ability to schedule meetings effectively, how can you expect to become more effective? This is where calendar and appointment applications come to the rescue. In the past, you might have seen an estate agent carrying around a physical diary full of appointments, dates, and a plethora of other information. Nowadays, people opt for online solutions for obvious reasons. Aside from the fact that they are always with you, they make setting up appointments a breeze. Best of all, there are a variety of free applications replete with everything you could ever require. For example, Google Calendar is cloud-based, integrates with your usual Google accounts, and provides the ability to include others when setting meetings. This is an obvious choice if you already use Google for your email and cloud applications. You should ensure that you have a separate account and calendar for your business so that you can integrate them for maximum effectiveness.

Unified Email Client

Unified email clients are the perfect solution for those who have several email accounts and want to consolidate them into one. If you work for a real estate company that provides you with a dedicated email account, this can be a real lifesaver. There are many benefits to using a unified email client. You don’t have to log in to multiple accounts, and you can use the same interface for all of your messages. This is especially useful if you need to access emails from different services simultaneously or if you want to reply to an email but don’t know which account it’s in. Furthermore, they can be helpful if you are a self-employed realtor since they can connect your personal accounts with your professional ones, saving you time and reducing confusion.

Project Management Software

Real estate projects are typically more complex than others, with a significant amount of financial exposure. If operations are to be completed on time and on budget, you must be efficient with your time and resources. As a result, it’s crucial to have software that can help with:

  • Planning
  • Scheduling
  • Budgeting
  • Communicating
  • Allocation
  • Monitoring activities

Project management software is a type of software used to manage a project. The software usually includes features like timelines, task management, and collaboration tools. You can use this type of software for many purposes in a real estate business and, once integrated with an existing workflow, can dramatically improve productivity. They are primarily used for larger property companies, but self-employed agents can also use solutions like Trello to interact directly with their customers and clients. For example, suppose you are attempting to sell a house and have arranged for a photographer to visit. In that case, you can update the homeowners via Trello and inform them of the tasks they should complete before the photographer arrives (cleaning, rearranging furniture, etc.).

Media Editing Software

Although most images and videos will be edited by the professionals who take them, you may have to edit some of them yourself. However, editing software can be costly, so you need to perform a cost-to-benefit analysis. For example, if you have lots of time but pay someone to edit your images, you may find purchasing this software makes financial sense. Conversely, it might not be worthwhile if you have lots of business but struggle for time. Nevertheless, in today’s world of social media, you will still need to use something that allows you to easily create media fit for social media without dedicating too much time. Fortunately, you have many options as programs like Canva offer tools that are sufficient to make slight alterations to media and create socially engaging content.

Social Media Management Software

Social Media has become an essential marketing tool for any business today, especially for realtors looking for ways to develop and interact with high-quality leads. Social media is a powerful tool that real estate agents can use to market their properties and themselves. It gives them more control over how they are portrayed to the public, and it also helps them build their personal brand. Nonetheless, with so many channels these days, it can be challenging to keep on top of everything. At the very least, you will have to interact with Facebook, Instagram, Twitter, and more if your business requires it. So what can you do to ensure that you have all relevant channels covered without dedicating too much precious time?

Social media management software is a tool that allows marketers to manage all their social media accounts from one unified dashboard (unified being somewhat of a consolidating topic here). It is a type of web-based application that manages these accounts by automating the posting process and scheduling posts. However, it can do more than this, and this kind of software can help with the following tasks:

  • Scheduling posts
  • Reporting
  • Managing content
  • Engaging with followers
  • Tracking competitors

Cloud-Based Contract Solutions

Real estate is a business that involves a lot of signatures and legally-binding agreements between parties. However, due to the more dispersed nature of the industry these days, it can be challenging to meet with clients to get their signatures. Services like DocuSign can help you manage your business more effectively. It only takes a few clicks for you and your clients to sign all the essential papers with DocuSign. Moreover, if the document is sent to multiple parties, you can check whether they have seen and interacted with the document in question. This can enable you to expedite what was once a slow and tedious process.

Cloud Storage Services

When it comes to collaboration, a realtor who doesn’t use cloud-based storage and collaboration services has seriously dropped the ball and is missing an easy solution for a time-consuming problem. Services like Dropbox, iCloud, and Google Drive provide you with a range of features to store, share and collaborate on all manner of documentation. The service you choose will depend heavily on preference. Still, it is widely accepted that Google Drive is an excellent choice. It provides a healthy amount of free storage (with affordable options to upgrade), integrates perfectly with your Google account, and makes sharing a piece of cake. Whether it’s a contract, marketing material, or real estate media, keeping everything in one place and having it accessible anywhere is extremely useful for a profession like real estate that’s always on the move.

Creating a tech stack that works for your business will increase productivity, efficiency, and leads and ultimately enable you to close more sales. The solutions you add to your stack will depend on your budget, market size, and how you operate. Nevertheless, the ones listed in this post are a great place to start and should give you a solid foundation to become a modern, forward-looking real estate agent.

Ethereum Merge Coming in a Couple of Months after June

The highly anticipated Ethereum 2.0 has been delayed, with devs continuing to work on the update predicting finalization in June.  The Ethereum 2.0 upgrade is the next step in the evolution of the crypto space, enabling the creation of DAOs, smart contracts, and other features. Because of the excellence of testing, it was widely assumed that the Ethereum merge date would be in the middle of 2022. Regrettably, the newest roadblock isn’t startling, considering that Ethereum’s Proof-of-Stake date has been repeatedly postponed since its inception. With the Ethereum merge delayed, there might be even more distrust in the platform now.

Nonetheless, all indications point to the Ethereum mainnet combining with the Beacon Chain to form a Proof-of-Stake network this year. For real ones such as scalability and security, Proof-of-Stake networks will likely be the future for Ethereum.

ETH programmer Tim Beiko informed people of the timeframe on Twitter, claiming that the main developers are in the home stretch with regards to the Ethereum merge date.

“It won’t be in June, but rather in the months following.” We don’t have a firm date yet, but we’re definitely nearing the end of the PoW era on Ethereum.”

Upon recognizing that his remarks sparked debate among Ethereum supporters and detractors alike concerning the Ethereum Proof-of-Stake date, Beiko added the next day that it can be difficult to discern the advancement of the integration when a person isn’t deep in the methodology.

He even released a blog article with a more detailed explanation to give more context. In it, he explains that a firm date won’t be set, as per the developer, till the client team members are sure of the program’s execution’s capacity to function through rigorous checks and validation.

The test runs of public testnets like Kiln, as well as the successful launch of shadow forks, which allow programmers to create various merge and PoS-oriented implementations on the system, are crucial to such penultimate stages.

Another significant element is the difficulty bomb, which is an automated rise in mining complexity intended to cause a lower rate of PoW mining, making it less appealing. According to Beiko, the difficulty bomb will be visible on Ethereum in May and will create blocks insufferably slow by August. He added that if customer devs don’t believe it, they can dispatch the merge to mainnet prior to block times becoming too slow, he claimed, further adding that it will have to be postponed once more.

Beiko proposed two methods for delaying the difficulty bomb in order to introduce the merge revamp ahead of time, the first of which was to combine a bomb delay with merge customer discharges to defer the bomb at a certain particular block, preserving 13s block times, and afterward initiating The Merge.

Second, just before the merge, detach the bomb delay via a firmware update that only really stalls the difficulty bomb.

He informed the public that unlike earlier Ethereum renovations, the merge won’t be sparked by a block time. It will rather be prompted by a complete difficulty valuation. Provided that these are more difficult to predict than block times, the period between selecting an Ethereum merge date and debuting on the network could be relatively shorter than in previous Ethereum updates.”

Previously this week, Parithosh Jayanthi posited that there remains a lot of experimentation to be done after noting that assessing three shadow forks caused bugs ranging from sync script to request buffering being discovered. Specifically, he said there are issues to work out when it comes to testing and that this is still an ongoing process. The Ethereum developer also noted that good progress has been made in terms of code improvements but more can be done.

Based on the victorious implementation of The Merge and the switch to a PoS consensus protocol, the concluding milestone on the ETH blueprint, erstwhile recognized as ETH2, is the sharded chains update, which is scheduled to launch in early 2023. Even so, till then, the system will rely on layer-2 connections such as Polygon and Optimism to control scalability and high large trade rates.

Ether price underwent a substantial increase in value in the last month on exchange sites such as https://redot.com/ , rising 20.5 percent to $3,126. The Ether Price might have gone even higher with the release of ETH 2.0 in June.

Everything To Know About The Merge

ETH 2.0 is the most recent incarnation of Ethereum, and it’ll be a massive improvement for the framework. The objective is to transition from a PoW consensus protocol to a PoS consensus protocol, as it shall improve energy efficiency and speed up the infrastructure.

ETH 2.0 is a scaling remedy that will permit Ethereum to be far more potent than it is now. At the moment, the Ethereum network can only carry 15 transactions per second, which is far too slow for corporate usage.

It is anticipated to be a full-fledged innovation that brings new network features and functions, such as sharding. ETH 2 will be released in three stages:

Phase 0 consists of the beacon chain.   This is the central chain that ensures the network’s shards remain in sync. It accomplishes this through the use of validators.

The first phase is the shard chains. Shard chains will be used to run Ethereum’s data and transfers. These are PoS blockchains that rely on auditors to validate exchanges, generate blocks, and interact with the beacon chain. ETH 2 is planned to start with 64 shards. They wouldn’t be propping up smart contracts or accounts during this time.

Phase 1.5 is when the legacy Ethereum chain is transformed into a shard on the new Ethereum network. Throughout this process, the network will become a PoS system and will be linked to the primary Ethereum 2 chain.

Phase 2: all shards are completely operational. The year is 2022. The shard chains will be completely intact and capable of communicating with one another as well as running smart contracts.

Putting more coins increases the likelihood that all users will verify money transfers and receive further coins or incentives.  Per the news stories, the Ethereum merge totally eradicates mining.

The merger was a postponed project, so several investors were skeptical of the merger’s certitude. Crypto adopters continued to buy hardware to mine Ethereum caused of an absence of awareness.

Mining machines are costly. Miners require “Desktops, GPUs, and other hardware are required to construct an Ether mining rig. Miners spend a lot of money on appliances as investments far ahead into the future, hoping for a steady paycheck.”

Despite the merger having some risks, it’s currently taking place.

How to Anticipate Crypto Prices Using Fundamental Analysis

During the Bitcoin Era, crypto engine robot has turned out to be the major source of income for investors worldwide. An investor should be able to anticipate the prices of cryptocurrencies in advance. This allows them to take risks calculatedly, allowing them to make profits upon their investments. One of the simplest techniques that can help investors anticipate crypto prices accurately is the fundamental analysis of a certain currency. Let us learn how you can carry out fundamental analysis regarding a cryptocurrency to predict its prices in the future.

How Is Fundamental Analysis Different from Technical Analysis and Quantitative Analysis?

Technical analysis refers to a method of analysis of the prices of a currency with the help of data regarding crypto prices in the past. Some of the tools used in technical analysis include price bar charts that describe the rate of growth of a certain cryptocurrency. In the case of quantitative analysis, investors can use ratios like Earnings per share and discounted cash flow to determine the potency of a certain currency. However, in the case of fundamental analysis, such data is not put to use. In this case, the investors evaluate several aspects related to the market. Some of the aspects analyzed by investors include the domestic and global market environment and the financial and political situations. If there is instability in the market, crypto prices tend to go down, and vice versa.

What is Fundamental Analysis?

Fundamental analysis can refer to the analysis of factors that affect the crypto market, which affect the value of a certain cryptocurrency. One of the sole motives behind carrying out fundamental analysis is assessing the intrinsic value of a cryptocurrency. This provides insight regarding the justification of the value of a currency- whether it is undervalued or overvalued in the market. Investors tend to analyze factors like the economic state, the company’s management behind the certain cryptocurrency, and its market cap. Fundamental analysis deals with more qualitative and tangible information regarding a currency than statistical data used in technical or quantitative analysis.

Fundamental Analysis Mechanics

Two approaches constitute fundamental analysis. The first one is the top-down approach, preferred over the bottom-up approach. Let us understand what these two are. The top-down approach considers several market-level macroeconomic factors, such as the economy, GDP, inflation, and interest rates. However, the bottom-up approach narrows down upon the financial stature of a company or the revenue it has generated. It focuses more upon microeconomic factors.

Factors You Can Track While Carrying Out Fundamental Analysis

To carry out a fundamental analysis of a certain coin in the crypto market, there are certain factors that you need to watch out for. Some of these factors include the market cap of the currency under consideration, the total and circulating supplies of the coin, its utilities, trading volume, and its partnerships with trusted institutions. Once you analyze these factors, you can anticipate whether the price of the coin will appreciate, in the short term and the long term. While carrying out fundamental analysis, one must also consider the rate of adoption and media coverage for the coin. A combined picture of these factors allows an investor to perform accurate price forecasting for a cryptocurrency. In addition to analyzing the factors mentioned above, you can also study a company’s whitepaper, which will help you largely understand its vision and potency.

Fundamental analysis is an important technique that investors analyze the crypto market and forecast crypto prices. You can use this technique to anticipate the price of a cryptocurrency of your interest. This will allow you to make better choices regarding investment. Fundamental analysis refers to the analysis of qualitative and intangible factors that affect the value of a cryptocurrency. Some of the factors that can be analyzed while performing fundamental analysis include the market cap of the coin the total and circulating supplies of a coin it is important for investors to analyze the macroeconomic factors affecting the value of a cryptocurrency and the microeconomic ones to predict crypto prices more accurately.

Are NFTs the Future of the Gaming Industry?

Have you ever been curious like me, who always wanted to have a specific skin that nobody else has in the whole game? If yes, then hold tight, as it is happening right now. We are finally in the era where we can have our unique costumes and skins, which actually belong to us only. It’s possible now with NFTs. But wait a minute, what are NFTs?

An NFT is a Non-Fungible Token, which is a digital representation of a unique object. A token is an item that can be traded or used as a virtual currency. It can represent a physical object (such as a car) or a digital object (such as an in-game weapon).

In short, Non-Fungible Tokens are digitized assets that are usually associated with a specific company, brand, or product. These tokens are unique and cannot be replicated.

Are NFTs the Future of Gaming?

The answer is very controversial, as some people are opposing this thing, while on the other hand, there are multiple new game companies that just started on the basis of NFT projects.

Reasons Why NFTs could be the Future of Gaming

There are a bunch of reasons that could potentially agree with you and me on thinking that NFTs are surely the future of gaming. Here we will discuss this point from the perspective of growing avatar use in the gaming industry.

1. Sense of Ownership

These days people purchase the skin, and anyone else can purchase the same skin with the same amount of money. So, there is no sense of ownership.

While on the other hand, if we take NFTs in games, there is only one specific skin or outfit that anyone in the world can have. It gives you a real sense of ownership and lead.

2. Tradeable

You can easily sell your skins and costumes to any other player in the game on a secondary marketplace like OpenSea. All you have to do is just sell the token, not the item itself. It will allow you to find a person who wants to purchase your exclusive item at a price that suits your needs.

It doesn’t just stop there, the ownership can be transferred to the new owner on the blockchain, but at any time, you can check the history of that specific skin or costume to show others who was the 1st owner of that specific skin.

3. Diverse Themes

Human love diversification and NFTs are one step towards diversification in games. It will allow companies to create an infinite number of costumes with different themes, not just the same old skins that everyone already has.

As a person who loves gaming, having something unique is always better than having the same item as others do.

4. More Profits

It’s proven that most people who purchase access pass only purchase it for one character skin that they can grind in-game, so they don’t mind paying for it. But with NFTs, a new concept arises where a person will have to pay a premium price to get a single skin or outfit, this will increase profits by adding more revenue channels.

On top of that, it’s not about skins and outfits, and there is a bunch of other stuff that companies are selling to increase revenue. For example, cars, weapons, powers, wings, etc. The more the options are available to players, the more they are likely to spend on their gameplay.

This encourages the circulation of money, which is the basic principle of economics. If you can circulate money, you can generate money.

5. More Freedom

The most amazing thing that we can get with NFTs is the freedom on how we want to spend our money on gaming. Right now, if you want to purchase a skin or an outfit for your character, you have to purchase it from one single company, but NFT-based games are not going to be the same.

Players can buy skins on an open marketplace, so they don’t have to wait for a specific game company to launch new skins. They can always choose from alternatives that will satisfy their needs with less money.

The same is the case when you are selling your NFTs because you are the one who decides when, where, and for how much you want to sell your specific game piece.

You can always decide the price on the basis of rare traits of your skin/character. You can use Rarity.Tools to check the rank of your specific NFT with respect to other NFTs in a specific category.

6. Removing the Risk of Monopolization

Monopolization is when a single firm takes over the market by relentlessly pushing out its competitors). It has been a big problem in the gaming industry since its existence. But with NFTs, monopolization can come to an end.

With the use of ERC-20, there are an infinite number of unique items that are created by everyone, which makes it impossible to have a single company controlling them all. The only way to have complete dominance over the market would be the purchase of every single rare item available in the marketplace.

That is a major shift from how the gaming industry was run before by a few big companies. Having a free and decentralized economy will bring a lot of new people into this space.

7. Crisp Gameplay

Keeping the uniqueness of NFTs aside, it also brings crispness to the gameplay, which is amazing. For example, if you want to purchase a skin for your character but it cost $100, the game will limit your gameplay to just grinding and leveling up so that you can afford that specific skin.

But now, with NFTs, there is no more need for grinding or spending time just to level up so that you can get access to the items you want.

With a cryptocurrency wallet, you can purchase a skin instantly without any hassle of any specific level requirement. More money is always good for the industry, and it will make everyone happy in this space who is interested in gaming.

Wrapping Up

Now that we know the cool aspects associated with NFTs, we can depict its active involvement in the gaming industry in the near future. EA (maker of FIFA football series) also says that NFTs are a part of the gaming industry’s future. In fact, it is anticipated that the NFT gaming industry will even surpass the Hollywood industry in just a few years. In a nutshell, it’s a big “YES” that NFTs are a part of the future of the gaming industry.

How To Build A Good Investment Portfolio

By now, everyone has probably heard of the success and fame that comes along with being a good investor. While some might think that a person should just go out and hope for the best by investing in whatever stocks look like they could be profitable, it doesn’t really work like that. Building an investment portfolio means more than just buying a lot of different stocks and hoping they do well because that’s really just speculation. In order to build a really good one, there are a few things that you need to keep in mind.

1. Use The Right Tech

The first thing is to make sure you use the right technology in order to build an investment portfolio. For example, if you want to invest in stocks, it might be a good idea for you to look into reliable 2022 stock tracking apps that let you monitor how your stocks are doing in real-time. Not only that, but it might be a good idea for you to look into apps that allow you to set up price alerts for certain stocks so that you’ll know when there’s a sudden drop or rise in the market. On the other hand, if you want to invest in something like bitcoin, then it makes sense for you to look into apps that let you track changes in the value of the cryptocurrency. The great thing about making investments in today’s world is that there are plenty of tech solutions that can help you do it, so it’s much easier to ensure your portfolio is on the right track.

2. Know Your Risk Tolerance

Altcoins are a great investment option for some people, while others prefer investing in gold or the real estate market. When you first start investing, it’s important for you to think about what kind of risk tolerance you have because knowing this will ensure that you invest in the right types of things. If high-risk investments aren’t your thing, then there’s no reason for you to even consider them because they’re not worth it unless you know exactly what you’re doing. Instead, look into lower-risk options like stocks or bonds that you know can help you achieve your goals without putting yourself in danger of losing all of your savings. While there’s always a certain level of stress when it comes to investing, it should never feel like speculation, and knowing what your limits are can ensure that you’re building a portfolio that can help you achieve your life goals.

3. Choose Your Asset Allocation Strategy

More than just knowing the specific stock or bond you want to invest in, you should also know how you want to split up your portfolio. Let’s say you know you want to invest in bonds, stocks, and real estate. You need to decide how many assets to put into each one so that you don’t have a portfolio composed of all three. You can do this based on the expected rates of return for each class, by implementing a buy-and-hold strategy if you want to be more hands-on, or constantly adjust the assets depending on how the market fluctuates. Of course, you could also go for the insured asset allocation strategy which means that you decide a base value for your portfolio that it should never go under. If it does, in this strategy, you would sell and reinvest into risk-free assets until you reach your target value again.

4. Know The Investment Portfolio Types

There are three main investment portfolio types – aggressive, moderate, and conservative. An aggressive investment portfolio is typically for people who aren’t afraid to take risks and want a high amount of capital gains. A moderate investment portfolio is somewhere in the middle that gives you good gains while still being relatively safe. Finally, a conservative investment portfolio takes less risk but also means lower returns overall. The great thing about building your own investment portfolio is that you can choose the strategy that best suits you, so knowing what these strategies entail is key. You could mix and match, but it might be easier to keep track of everything if you focus on one particular strategy. While diversification is generally a good thing, you shouldn’t stretch yourself too thin trying to invest in as many different things as you can. 

The great thing about investing is that you don’t need to be an expert in order to build a good portfolio, but you should at least know how to use the latest technologies and asset allocation strategies so that your investments are on track for success. It’s great knowing that you can play such a big part in building wealth for yourself, but it’s even more exciting when you can do it in a safe manner that also gives you the freedom to adjust things when needed.

Multi-Language Forex Trading Platforms

Forex trading software is an algorithmic trading tool that can readily identify noteworthy ‘discrepancies’ in real-time foreign exchanges. As the technology advances, evolving forex trading software just might be ideal for your lifestyle and investment trading needs. Having the right Forex trading software – with multi-language support – will greatly assist traders in having the most acceptable trading experience.

Quality trading tools include functions and features such as trading platforms, charting options and technical analysis tools, automation with forex robots, and back-testing. This article will present the best Forex trading software tools that sustain multi-language support that is currently on the market. From the startups to the established players. The marketplace is fully developed for almost any trading need.

What Is Forex Trading?

Foreign exchange trading is the strategy of making profits on the changes in price between different foreign currencies. Forex traders endeavor to speculate on which currency will either increase or decrease in value. Similar to trading investment products, like stocks, a forex trader would be buying or selling foreign currency pairs instead. 

Forex Trading Software

If you are attempting to understand exactly what the key features to look for are when choosing a forex trading tool, you are not alone. In the majority of cases, a forex trading platform will be an advanced software program that digitally connects a forex trader to a forex broker. This trading platform will provide real-time information in the form of charts, quotes, and buying and selling prices and fees. In addition, the user interface will permit orders to be reviewed and processed by the trader’s broker.

The trading software is installed on a trader’s personal computer, and it can function on a Windows, Linux, or Mac system depending on the options on offer from the software. Though it could also come in the form of web-based software, with an account integrated into a cloud service provider or SaaS (software as a service) server. Web-based forex trading platforms are excellent since they work on almost any computer or smartphone device that can connect to the internet. While a few trading platforms are free, specialized software providers can purchase those with advanced functionality. Forex trading platforms should provide historical and real-time trading data so the trader can make intelligent investment decisions. Also, due to the availability of APIs (or application program interfaces) on many Forex broker platforms, the use of third-party software is now typical. APIs allow forex traders to incorporate proprietary software into their platforms seamlessly.

Forex Software Options to Consider

Every region and country has its own preference when it comes to Forex trading software programs. Forex BitcoinTrade is the most popular Forex trading platform used in the Middle East, whereas, for the Australian or UK market, Pepperstone is the preferred software.

  • Best Overall Forex Trading Software: BitcoinTrade.com 
  • Best for Active Traders: Pepperstone, NinjaTrader
  • Best for multi language options: BitcoinTrade.com
  • Best for Day Traders: TD Ameritrade
  • Best for Access to Foreign Markets: Interactive Brokers
  • Best for Beginners: Tradespoon, BitcoinTrade.com
  • Best for Custom Rules: MT4 Professional
  • Best for Algo Trading: Zen Trading Strategies
  • Best for Demo version checking: Pepperstone, BitcoinTrade.com

Key Characteristics to Consider

  • Is the forex trading platform free or not? Does the platform have additional features to make your forex trading experience more profitable in case of a minor or nominal fee? However, why pay for advanced features if you do not intend to use them.
  • Can you change the language, or does it support multi language capabilities? For many trading systems where traders do not speak English, this is important functionality to have.
  • Do the tools charting components have technical indicators? If so, what are they? Make sure the technical indicators are forthright to understand, as they will make trades simpler to complete.
  • Is it possible to utilize the online charts for trading? If so, how is it accomplished? A satisfactory forex trading platform is one where the charts are straightforward to interpret.
  • Before settling on a forex order, does the platform enable users to back-test any detailed trading strategies? This functionality is important. And especially so when you want to test your own system using historical trading data.
  • Is the graphical user interface (or GUI) ‘pleasing’ to the eye? While the actual information is obviously important, you should choose a trading package that will be appealing, as you will be staring at the screen for long periods.

Most Forex trading brokers allow their customers to open free or ‘demo’ accounts before purchasing a full account. To know the software platform that best works for you, you could try out different software vendors on the market. Take advantage of these trial periods and test the software’s’ trading capabilities before purchasing – this way, you are making an informed decision where you can personally see if your requirements can be met by the software’s’ inherent capabilities.

Why Startup Investing Is Here To Stay

Start-ups are now one of the main forces propelling the industry forward. The tech sector is a great example of how it works. When a new service or product is introduced, revenue isn’t the only interest. The domino effect will surely be in action for years to come. Think about 5G. Is the only thing that is going to be affected by it is how fast people can download a YouTube video over their cellular network? Of course not. There are hundreds of positive side-effects on gadgets and businesses all over the world. Innovative startups in any industry will have the same effect. Here is why investing in these startups is smart.

Innovation Drives Revenue

There are many reasons to invest money but it mostly comes down to showing a return. The strategy of investment will be determined by the time it takes to achieve the desired return. Those who invest in these start-ups get returns way above your average ROI. The catch is that it requires high risk. Investing in something new and innovative can go in any direction. Those looking for small gradual returns aren’t investing in startups. Coca-Cola or some other blue-chip investment is better for those investors. Investors in an-early stage tech start-ups, never really know what the future holds.

There is no such thing as a guarantee or certainty and this is where venture capital comes in. Take note that only about ten percent of all start-ups are funded venture capital. The rest goes to savings, credit loans, and friends and family plus crowdfunding. When someone does get funded by a VC or an angel investor, they are much more likely to succeed. Unlike the entrepreneur, venture capital firms and investors have the experience that enables them to better understand the whole picture.

Of course, even VCs take risks when they are uncertain, but you can be sure that they take their job of dissecting every potential investment as thoroughly as possible. When they invest in a start-up, they are taking a calculated risk. When you are taking innovation into account, the whole formula gets murky, and that’s where only experience can shine some light on things. That’s why we turn to David Kezerashvili, owner of Infinity VC, to help us understand what industries look the most promising right now and why.

Where Innovation Is Needed The Most

Startups mainly need funds and guidance, and that’s exactly what a venture capital firm can provide. Most successful VCs are either specialized or have different experts and departments. One person just can’t know everything about Biotech, cryptocurrency, eCommerce, or any other industry that is represented. These are all different fields with nuance. The devil is in the details and a good VC firm pays close attention to them. Kezerashvili is quite the entrepreneur himself, with real estate development companies both in his native Georgia and neighboring Ukraine. When he diversified into venture capital, with a philosophy to back his decisions.

Watching the world economy rapidly transform in the past decade, he decided that he wanted to be part of the driving force behind these ongoing changes. That is innovation. Where these rapid changes can lead to rapid outcomes and revenue, the sweet spot lies. The world has to adapt, and so do our investment strategies. Investing in innovation is both highly effective, and even further snowballs the rate at which we are advancing in all areas of life. Here are the three key industries he invests in right now.

Fintech

The major competitive advantage of Fintech is that it has unlimited reach. Every business, individual, or other entity is connected to money somehow. Even non-profits entities need financial services. Thus, theoretically, everyone is a potential client or user. If you take into account the statistics, which show that for each five dollars venture capital firms invested one went to fintech, you get all the reassurance you need.

Online shopping has been around for a while, and it’s not going anywhere. Digital commerce is already taking over the traditional route, and sales are booming across all kinds of platforms- be it Amazon, Instagram shopping or directly ordering from companies online.

Mobile Technology

We’ve spoken briefly of 5G in the beginning, but that’s just a small part of what is happening with mobile tech. Think of all the new opportunities that will be created when it is fully implemented. It’s a revolution in terms of how our phones and gadgets are going to be used. The never-ending desire for the next-new thing makes sure the whole industry is working hard to satisfy the customer. The combination of artificial intelligence and machine learning is on the verge of breakthroughs, and in the end, it will play a major role in every industry you can think of.

Video Technology

Kezerashvili has already invested through Infinity VC in a number of video tech companies. The video field is always changing, with the most transforming revolution in the past few years being the prompt transition to video streaming services from cable TV. Services like Netflix or Hulu are breaking all the records of popularity yearly, and there are now more than a few dozens of successful services like these. Another area that’s going to explode in the very near future is augmented reality and full-blown virtual reality. It’s a field with unlimited possibilities, and we are just beginning to scratch its surface.

Conclusion

Seemingly, as innovation is the way to go, they make for great value investments, both short and long term. You do need to know what you are doing, as it’s not as simple of an endeavor as putting your money into the S&P 500. That’s why doing your own research and following closely what other investors are doing is important.

What Makes a Rental Property Profitable?

Investors and financial advisors often recommend real estate as one of the best ways to make money. And it’s true that real estate investing is one of the most common ways for people to become self-made millionaires. With a rental property, you stand to make money on a monthly basis (as you collect more in rent than you pay in ongoing expenses), while simultaneously benefitting from long-term property appreciation.

However, investing in rental property isn’t a guarantee of profitability. In fact, many novice investors end up losing money on real estate deals and rental property management because they make rookie mistakes.

So what, exactly, makes a rental property profitable?

The Basics

The profitability of a rental property ultimately boils down to four variables:

·         Immediate costs. What did you pay for the property and what will it take to get the property in proper condition to rent?

·         Long-term costs. What will you pay for the property on an ongoing basis, including costs like mortgage payments, property taxes, insurance, and ongoing maintenance needs?

·         Rental income. How much money will you be able to generate in rental income? Don’t forget to calculate potential income loss from vacancies as well.

·         Sale price. What could you eventually sell this house for?

Working with a property management firm can help you better understand the influence and role of these variables – and select a property that’s optimized for all of them. But if you’re going it alone, you’ll need to dig into each variable in more depth to do your due diligence.

Key Factors for Rental Property Profitability

The variables listed above can be further analyzed and broken down. These are some of the most important factors dictating the ultimate profitability of a rental property:

·         Neighborhood rental demand. How much demand is there for rental property in this area? This can dictate your profitability model in multiple ways. For example, high demand usually means your vacancy rates will be lower and you’ll be able to charge more in rent – but it also tends to mean that competitive bidding will push purchase prices higher.

·         Purchase price. How much are you going to pay for the rental property? You might be able to find a great deal if the house is in a state of disrepair or if you personally know the person selling it. Otherwise, your purchase price will be mostly dictated by market forces.

·         Current condition. What state is the house in? Buying a fixer-upper and making repairs can be a great way to minimize your purchase price and customize the property to look and function how you want, but it can also be a money pit. If the house is in terrible shape, it could cost a fortune to get it in good condition.

·         Deterioration potential and upkeep costs. You might be able to get the house in livable shape for now, but what does the future hold? Older houses tend to deteriorate faster and have more maintenance and repair issues than newer properties. Accordingly, they carry higher long-term costs.

·         Neighborhood trajectory. This neighborhood may be in high demand at the present, but what does the future hold? Neighborhoods on a growth trajectory, with more jobs, new amenities, and renewed public interest tend to have higher rates of property appreciation over time.

·         Tenant quality and consistency. What type of tenants will you be able to attract with this property? Ideally, you’ll find people with decent credit scores, a reliable income, and long-term interests in staying in the neighborhood. It’s hard to predict this when searching for and buying a rental property, so you’ll need to double down on your tenant screening to turn this variable in your favor.

·         Competitive properties. What are the other properties in this area like? Is the neighborhood more populated with renters or owners? What’s the average price of rent? How do the other landlords and property managers in the area operate? The competition can significantly influence your potential success.

·         Ongoing management and care. How well do you plan on taking care of the property? If you invest in maintenance proactively and preventatively, and if you’re willing to make necessary upgrades over time, your property will more reliably appreciate in value.

·         Length of holding. How long do you intend to hold this property? Some rental properties only start to become profitable after several years of growth; they aren’t get-rich-quick schemes. Do you have the investing time horizon to support this?

As you can see, the question of profitability for a rental property isn’t a simple or straightforward one to answer. To fully understand the situation, and maximize your potential profitability, you’ll need to do exhaustive research and analysis before making any real estate investment decision.

3 Steps Landlords Can Take to Protect Themselves from Lawsuits

Landlords need to protect themselves against lawsuits to a high degree, perhaps more than any other business owner. Unlike other industries, courts tend to favor tenants, especially in difficult situations. Now that the world is experiencing the COVID-19 pandemic, courts are especially sympathetic toward tenants facing eviction, even when it’s clearly the tenant’s fault.

Tenants don’t just sue their landlords over evictions. The truth is, you never know what will drive a tenant to file a suit, whether its because of real maintenance issues in their dwelling or COVID-19 fraud. Sometimes tenants file lawsuits that don’t make sense, but you still have to take time out of your day to show up in court.

Lawsuits are costly and time-consuming, so you need to protect yourself if you want to avoid the inconvenience of litigation. Here’s a good starting point:

1. Require Your Renters To Carry Renters Insurance

 To get your mortgage, you probably had to show proof of homeowners insurance, if not additional types of insurance. Tenants renting the property should have their own type of insurance designed to cover losses and damage to their personal property. It’s called renters insurance and if you want to protect yourself from lawsuits, you need to require tenants to hold a policy.

Renters insurance protects tenants’ personal property when it’s damaged by things like natural disasters, burglaries, and random accidents. For example, if the sewer backs up into the house and the flood destroys a tenant’s musical instruments, they can file a claim to recover the cash value of their instruments.

Renters insurance will cover relocation expenses

Relocation is another expense renters insurance covers. If your property becomes unlivable, a tenant with renters insurance can get a hotel covered until you fix the problem. If the problem can’t be fixed, renters insurance will pay for the tenant’s moving expenses. Some policies will even pay the additional cost of increased living expenses if their new rent is higher.

In some states, landlords are required to pay for a tenant’s accommodations if their main rental becomes uninhabitable. Tenants can sue if their landlord refuses to provide alternative housing.

If you don’t want to risk having to pay for your tenants’ hotel stay while you fix a serious plumbing issue, require your tenants to carry renters insurance.

2. Create a Strong Lease With an Attorney

Your lease is only as strong as your weakest clause. If you forget to include a legally required clause, your lease could end up being no better than swiss cheese in court.

The only way to create an iron-clad lease is to consult with an attorney. While you can find lease templates online allegedly created by lawyers, templates are too generic to rely on for the basis of a tenancy agreement.

For example, unlawfully withholding a security deposit is one of the top reasons tenants sue their landlords. You might think you’re fine if you aren’t withholding your tenant’s deposit. However, a lease containing illegal security deposit terms can also justify a lawsuit.

Lease mistakes often have far-reaching consequences. Creating your own lease makes you susceptible to losing lawsuits that you would otherwise win if your lease were designed by an attorney.

3. Be Clear and Direct to a Fault

Some people feel threatened by direct communication, but you can’t be vague or ambiguous with your tenants. For example, if your tenant misunderstands something you’ve said, they might act on that misunderstanding in a way that violates the lease. If you try to evict them, they might sue you – and win.

Once you get to court, it will be your word against theirs. Did you really give your tenant permission to install a zipline in the ceiling? If the judge thinks you did, you won’t easily change their mind. Verbal agreements are considered legally binding agreements.

Make every effort to be clear and concise with your tenants in all of your communications. Try to avoid text messaging and only use email for electronic correspondence. Make sure every phone call is accompanied by a follow-up email to provide a permanent record of the points discussed. Leave no room for unnecessary confusion.

Being a Landlord Is Risky

Being a landlord is a risky business. Although, owning rental property is appealing because it’s one of the best ways to amass wealth over a long period of time.

Tenants have rights, as they should, but often those rights are abused and taken advantage of in the legal system. No matter how great your tenants are, most are just one upset away from filing a lawsuit. While you can’t prevent all lawsuits, you can mitigate the potential for lawsuits arising from common misunderstandings.