Why Should You Read Reviews

Reading reviews is the best method to understand something you want to buy or see. For example, Fifty Shades of Grey is a good movie or not? Well, if you read the next review on Into-Review, you might find out something interesting about this movie, which will influence your decision of buying (or not)

Exchanging Bitcoin to USD: Where? How? When?

The Bitcoin started as a project of some passionate encryption specialists, and it remained a technical project until 2011-2012. Its initial value was established at $0.0000001 per one bitcoin. By the middle of 2012, the Bitcoin was already evaluated at $6-7, so the new concept started to attract investors and speculators. In 2012, the Bitcoin grew slowly but steadily from $2 to $13. MtGox was first website ever allowing trading between BTC and USD, with an exchange course established freely on the market, based on demand and offer. During the latest years, many other exchange houses appeared. However, just because a website allows you to exchange bitcoins for dollars, does  not mean that you can fully trust them. Along the history of Bitcoin, almost 20 exchanges were closed, disappearing with all the money of clients. This is why you must only exchange bitcoin to USD on websites that you fully trust, or read the latest Cryptopips analysis to anticipate the movements on this market.

1. MtGox.com

MtGox is not only the oldest exchange website, but also an important member of the bitcoin foundation. They had numerous problems along their history, such as the February 2014 crisis, when all the withdrawals were ceased for a while. This happened because MTGox found some problems in the BTC blockchain algorithm, so they ceased payments until this problem was solved. Even if confirmation of an account lasts for two weeks, and you will also need to provide MTGox with personal details, it is still the safest place where you can exchange bitcoins and dollars.

2. BTC-E.com

For a short time, BTC-E was the largest exchange website in the world of cryptocurrencies. This happened at the end of 2013, when BTC transactions were forbidden in China. Until then, BTChina.com was the largest trading website. Currently, it is hard to estimate the volumes of transactions on different websites, because there are many other smaller cryptocurrencies traded on the same websites, which can’t be quantified. Even so, BTC-E is a fully trusted exchange house, especially because they allow MetaTrader 4, an option that can’t be used on any other exchange.

3. Cryptsy.com

A newer but yet interesting website where it is possible to trade BTC for USD. It is easy to deposit cryptos on this website, and the possibility to invest in other cryptos is a safety net used by many, especially when the price of BTC goes down.

There are tens of exchange websites appearing every month, but you should not trust them completely. Have patience, let the websites develop, and use those only when they gained enough recognition. Some of those websites might come with new features, but it is not worth to risk your hard earned bitcoins just to build the reputation of a website.

How to Refinance Bad Credit

Since the financial recession in 2008, the options available for people that want to refinance bad credit are limited. Sure, we are talking about some weird situations that were never seen since now. We are talking about millions of homes that are foreclosed, and about the crash of some major financial institutions that were considered the pillars of the economy. With companies such as GM and AIG needing the help of the government to survive, it seems like any business can be the subject of bankruptcy, and there is not such concept as a safe job.

In this uncertain financial scenario, there is no wonder that people were not able to pay their bank rates anymore. Let’s be serious, when your boss threatens you with firing every day, and when you can barely pay your bills, it is hard to pay for the plasma TV you have bought three years ago. This is why people would never think to refinance bad credit if we are talking about personal loans and credit cards. However, this is the fortunate scenario. The worst one is the one in which you have a warranty for the respective credit, such as your house or your car. In this case, if you can’t find a method to refinance bad credit, the bank has the right to foreclose your home or to take your car.

The good news is that banks are not looking for real estates and cars. Let’s be serious, what can they do with a car that was used for five years, or with an apartment that has a market value reduced with 50 % compared with its value in 2008. this is why the banks would accept any refinance bad credit request from the client, and they will only use the procedure of foreclosing the mortgages in severe situations.  If you are in one of those situations, and you have an ongoing loan that you can’t pay, it is better to talk with the bank about refinance bad credit. 

When do you need to finance bad credit? More about this topic on All-Credits

It seems like even the government, that was always a sustainer of the major corporations and banks, understood the importance of citizens, so they obliged those financial institutions not only to discuss any proposal of this kind, but also to try to reach the ideal solution for the client. The rules are clear in this case, and if you think the bank refused your refinance bad credit request with no reason, you will surely find support at the local financial authorities.

One thing is certain. This is not the first or the last financial recession, and the people survived during more severe periods since now. This is why you need to refinance bad credit. The good days will surely come back, and then you will feel sorry that you need to pay the rent and that your old house was foreclosed.

Before ceasing payments, try to talk with the bank about refinance bad credit. The bank will propose you smaller rates, so you will be able to pay them without your budget being affected.

Microsoft buys Nokia: what is the effect on NOK?

Just when we thought that the undisputed leader of the mid 90’s and early 2000’s is dying, Nokia showed that it can reinvent itself. Microsoft announced that it will buy the Phone division of Nokia, which will represent a new page of history for the Swedish producer. Nokia will probably renounce to release new cell phones, and it will focus on the new technologies such as the 4G networks. Nokia purchased the communication division of Eriksson a few weeks ago, so it seems like they have some big ambitions. As it was expected, immediately after the official announcement, the stock market went over the roof, and NOK went up 30% in a single day. However, the unusual movements begun with a few hours before the announcement, which means that somebody in the NASDAQ market knew about it. Microsoft will buy Nokia Phones in a 7.2 billion dollars swap, but this does not guarantee the success of Nokia. The “appetite” of Microsoft for bad deals is proverbial, so the evolution of NOK fully depends on the strategy adopted by Microsoft for the new member of the family. For the next days, NOK is expected to be traded heavily. NOK went from 3.9$/share to less

The heaven of borrowers: USA credit cards

The financial situation of the common US citizen was not so blue in the latest years. Considering the financial crisis and the irresponsibility of some people allowing credits and mortgages to be given almost to any applicant, you could say that the credit card field is hugely affected. However, the wise decisions of the government and the latest successes of the American people managed to get the banking field out of the recession. As a result, new USA credit cards and loan options appeared. Those credit cards are strictly following the latest governmental regulations, so you can be sure they will be safe and they won’t press too much on your budget.

Low Interest Credit Cards

The Low interest credit cards are surely the best solution for any common US citizen: the student that needs a quick loan to continue the studies, the people that wants to refinance the old expensive cards taken before the recession, or the young families looking for a loan to improve their new home. The fixed rate imposed by the US government is surely a great facility, as the customer always knows what to expect.

Balance transfer credit cards

The Balance transfer credit cards could be considered more like an option for people to refinance all their credit card debts into one. The Balance transfer credit cards are also complying to the latest US governmental regulations, so you are sure you will get a better interest rate and smaller commissions. Even if the bank of your choice refuses to give you such a card, you should contact the authorities to present your case.

0 % APR credit cards

Take great care about the tricky solution called the 0 % APR credit cards, as those kinds of cards are costly if you don’t know how to handle them. If you are the kind of person that likes to pay all the rates in time, you won’t have any worries concerning the 0 % APR credit cards. However, if you are late only one day with the payments, the bank will apply a huge interest to your outgoing loan. This is why you should carefully review all the terms of your contract, as you must know when and how much to pay in order to benefit from the 0 % interest facility.

The instant approval credit cards

This is another tricky option, as “instant approval” comes with a price. Make sure to read all the conditions and terms, as sometimes it is worth it to wait a week or two for a good card, instead of being approved instantly for an expensive solution. 

Keyboards fake ATM: figure 5 is not highlighted

People using cards are advised to avoid becoming prey for cloning computer using keyboards. It is easy to detect fake ATMs, as their keyboards and slots are different.

Customers must pull the inserted credit card from the slot if they see it is false and also to check the keyboard. Another method by which clients can detect installed keypads at ATMs is the number 5, which is outlined for the normal ATMs.

In addition, people can protect themselves by covering the keypad with the other hand when they are entering the PIN, because it could be seen through the bank's surveillance cameras.

Related to phishing attacks, people are advised not to respond to requests by email and to avoid transmitting personal information and PIN details, because banks do not have the right to require such data to customers. People who receive such requests are asked to check in the bank message, and to report it to the bank.

Hammer said that, if the cloning of cards is proven, the client could be compensated by the bank, because the money is insured in this case.

More details about credit cards on www.all-credits.com

How Do Payday Loans Work: Finding and Obtaining Money Fast

How do payday loans work: when do you need them?
The payday loans are useful instruments if you know how to use them. It is important to know when to take it and what to do with it. Some people find it as a useful instrument, while others ruined their budgets and credit scores with payday loans.

How do payday loans work: the real costs?

The payday loan companies have a strong point in their favor, and this point is marketed accordingly. A payday loan company would tell you since the start how much money can you borrow, and how much do you need to pay back.

The average cost for a payday loan is of about 1% per day. This means that, for 100$, you will pay one dollar every day. This is a rough estimation, but the majority of payday loans companies have about the same approval conditions. This means an estimated 400% per year, which might be huge if you would have to pay it in one year, but considering the fact that those loans are only approved for a short period, we can say that the interest might be attractive for some clients that need some money fast.

Disadvantages of payday loans

The truth is that the payday loan is an effective method to obtain some money on short notice, but those are not that reliable or effective on the long term. Let's suppose that your car broke and you need it to go to work to make money. In this case, you will have to repair the car at any cost, so the money that you need to pay as interest is justified. However, taking the loan every month and whenever you have the chance is not such a great idea, considering that those monthly interests would add to your total number of obligations.

Are there Banking Payday Loans?

Some banking institutions tried to introduce this facility, worried that the new payday loans companies, which are not banking institutions, would take some of their clients. However, calling a bank to offer you the same facility that you can get easily online is not such a great idea, if you want to save time. While the majority of payday loans companies offer you the possibility to take the loan directly online, at the bank, you will have to give the same number of documents needed for a normal credit, and I am talking about many of them.

Moreover, as you will probably receive your paycheck directly into your account, the bank would take the money automatically from the respective account, as soon as the paycheck arrives. This is not such a pleasant situation, especially if you have rates and mortgages that you need to pay first.

Alternative to payday loans

Considering the fact that you can't borrow so much money with the payday loan, if you have the patience to create an emergency fund, it will be the greatest native to borrowing, especially because you won't have to pay so huge interests for it.

Another native would be to get a credit card from a trusted bank, and to use it only in case of emergencies. You can find reviews about all the major credit cards in America on All-Credits.com, with reviews, details about the interest and anything else that you need to know. There is also the possibility to take an unsecured loan from a bank.

Both those methods imply for you to talk with a bank, and to provide some documents. Moreover, whether you want a loan or a credit card, you can’t take without a good credit score, and after the financial recession in 2008, it is hard to find a client that has a good score of this type. Therefore, maybe the most important reason for which people prefer to take payday loans is the fact that they can’t get the money otherwise.

Find other alternative lending solutions on www.all-credits.com