Monday, August 26, 2019

I’ve Prepared a Guide Including Lists That Will Help You to Get Free Cryptocurrencies, Care to Look

Bountiful Kitty of Crypto has been visited you. Riches and good luck will come to you but only if comment “Please Stop the Bear Bountiful Kitty” in this article.

How to get Bitcoins in the UK - buying, mining, faucets and storing your digital currency explained

The giant bitcoin boom of last year may be abating somewhat, but the digital currency isn't going away any time soon.
Bitcoin may be the best known, but there are plenty of untraceable digital currencies lurking around online.
The basic idea is that you store this digital, encrypted currency in a "wallet" and use it to buy goods and services online.
But in order to buy stuff, you have to get some currency to begin with.
There are several ways to get hold of bitcoin. You can either buy some from a reputable trader, such as Coinbase, earn free Bitcoin from a faucet, such as Cointiply, or you can mine.
If you want to mine bitcoins, you're going to have to get hold of some expensive computer equipment because it takes a lot of processing power.
But we'll deal with buying it outright first.
Buying bitcoins
Bitcoin is notoriously volatile, so you need to do a bit of research before you plonk down some real-world cash.
Once you're confident, you need to sign up for a bitcoin wallet. Some of the most popular are Coinbase, Blockchain.info and Xapo - all of which will facilitate the buying process for you.
They're not just limited to bitcoin, either. You can buy other cryptocurrencies like litecoin and etherium with these applications.
As well as storing your currency, they also provide you with the current value of the cryptocurrency so you can see if you're making or losing money on your investment.
You'll be asked to link up your bank account and debit/credit card so make sure you secure your account with two-factor authentication. Bitcoin wallets are rich targets for hackers so be wary of setting up two-factor with an SMS or other easily-intercepted system.
Once you're up and running, you can buy and sell bitcoins as you want - and withdraw the funds to your real life bank account if you want. It works just the same as any other online bank account.
Bitcoin is an unregulated investment, like a form of gambling, if it does well you could make serious gains, or just as possible, if it goes badly wrong, lose everything. So think about your attitude to risk. While bitcoin’s price has rocketed, past performance is no indication of future performance (as the regulator would say if Bitcoin was regulated).
Bitcoin Faucets
Bitcoin faucets are a method of getting the cryptocurrency without investing money. In return for completing tasks, such as watching adverts or playing games, you will get a small amount.
Some of the most popular faucets include:
This method can take some time, however, without investing your money there's also very little risk involved.
What is bitcoin mining? (Image: Getty Images AsiaPac) Read More
Mining is a tricky process that involves solving a complex maths problem that takes both time and computing power.
The more powerful your computer (and thus, the quicker you can crunch the numbers) means a more difficult problem.
Custom-built bitcoin mining hardware and software is now available, allowing miners to find bitcoins even faster.
With each bitcoin unearthed, the maths problem required to find the next one becomes harder.
It’s said there can only ever be a maximum of 21 million bitcoins in existence, so the fact it’s a scarce resource means if demand rises so will the price.
Who are bitcoin miners? (Image: EyeEm) Read More
A bitcoin miner can be anyone that simply does it for fun right up to someone with the latest equipment who is attempting to mine for profit.
Bitcoin miners also join into pools that split the workload and gives each of them a share of the profits.
It used to be that bitcoin mining was a small group of people but as the profile of the currency rose, many saw it as a gold rush. Large farms have been set up specifically to mine for bitcoin with people draining more and more energy in order to power the computer hardware needed to solve the crypto-puzzles and unearth the bitcoin.
So, what is "cryptojacking"? (Image: Cultura RF) Read More
Cryptojacking is essentially what happens when someone gains access to your computer and uses its processing power to mine for cryptocurrencies.
The malware that runs this is using your processor to solve fiendish mathematical problems that can only be carried out by a computer. Once the problems, or ‘hashes’, have been solved, the owner of the miner gets a small amount of their chosen cryptocurrency deposited into their account.
The perpetrators typically dig up only a tiny amount of cryptocurrency. But, using other people’s hardware (and the electricity it all runs on) costs even less. At scale, this can be a viable strategy for earning money.
It’s normally quite easy to tell whether a cryptocurrency miner is running on your computer. When you visit an affected webpage, your computer will probably run more slowly, especially if you’re using a laptop, and you’ll hear your cooling fans whining more than usual.
If you’re using Windows, you can use Ctrl + Alt + Delete to open the Task Manager. On the Processes tab, and find your web browser, you’ll see that the CPU column might show a high percentage of usage.
Am I taxed on bitcoin? Bitcoin (Image: Getty) Read More
As things stand, profits made from cryptocurrencies are already taxed in the UK - but only when you convert your digital assets back into pounds.
But the Treasury Committee has just launched an inquiry into digital currencies and the distributed ledger technology behind them - known as blockchain.
“People are becoming increasingly aware of cryptocurrencies such as bitcoin, but they may not be aware that they are currently unregulated in the UK, and that there is no protection for individual investors," said Treasury Committee chair Nicky Morgan MP.
“The Treasury Committee will look at the potential risks that digital currencies could generate for consumers, businesses, and Governments, including those relating to volatility, money laundering, and cyber-crime."
Bitcoin miners can be taxed in the same way other jobs are - with income tax and National Insurance rules applying in the same way as if you were self-employed - while gains from price rises can be taxed like other capital gains.
The future of cryptocurrencies (Image: AFP) Read More
It's highly unlikely that cryptocurrencies will go away now that they have been created and distributed.
While the jury is still out on the long-term impacts, banks and governments are starting to pay particular attention to this new financial sector.
Expect to see more rules and regulations around bitcoin come along in the near future.
Read More What you need to know about Bitcoin

10 Highest Paying Bitcoin Faucets

Since bitcoin is getting more popular in the world, and many companies and countries are approving this currency, here we will see which the highest paying bitcoin faucets in 2017 were. Have you ever wanted to earn a 100000 free satoshi and up to a bitcoin? Yes, that’s what bitcoin faucets are for. But earning that amount requires a bit of work indeed, as we will see.
Although bitcoin value is fluctuating rapidly within hours, it keeps a high price of over $10,000, so mining for Satoshi seems not to be a futile time waste.
Bitcoin has become a thing lately, and many countries and companies have approved it as a legal currency. For example in Japan, over 260,000 stores accept bitcoin as a currency, but more on this issue you can find in 17 Companies that Accept Bitcoin. And also, if you are just getting into this bitcoin thing, you might find some advice and suggestions at the Top 10 Bitcoin and Cryptocurrency Experts to Follow on Twitter and Facebook.
But let’s first see what bitcoin faucets are. Bitcoin faucets are simply those apps or websites with lots of advertisement from which you can gain satoshi (the smallest bitcoin units worth 0.00000001 bitcoin, or 10-8 milli bitcoin faucet). When you register to a bitcoin faucet with your bitcoin wallet address, you will need to fill in captcha or do a little quest to get a reward in terms of satoshi which are recompensed in certain time intervals. But why do these websites offer to earn satoshi for free? The faucet websites are loaded with advertisements which give profit to the site based on clicks and impressions. So, the more clicks on the website, the bigger the profit. And in order to gain a greater audience, bitcoin faucets reward their members with free bitcoin. For example, Wild bitcoin, even though not being among the highest paying bitcoin faucets in 2017, is one such faucet that also gives you a neat introduction to the bitcoin world and a safe way of earning satoshi. Currently, you can earn up to 84 satoshi each hour on Wild bitcoin.
Highest Paying Bitcoin Faucets in 2017
Copyright: pogorelovaolga / 123RF Stock Photo
In order to go through numerous faucets faster and get them on one place, bitcoin rotators were created to make things easier. In fastest bitcoin faucet short, faucet rotators are scripts or websites that load a bunch of faucets for you on one place. For the matter of the best bitcoin faucet rotator, we cannot objectively pick the one because faucet rotator creators (of course) tend to advertise their websites as ranked highest, so you might just check out, for example, Bitcoinrotators, which offer a great number of bitcoin faucet rotators.
So, since earning a free bitcoin (usually) needs a task to be done, there are opportunities for bots performing these actions for you. For that matter, you might also want to look for the best bitcoin faucet bot. We have come upon the Gimmer: a fast, safe and multi-coin trading bot. Or you might try out the C.A.T. Bot (as recommended by Quora users), again a multi-coin trader, supporting more than 20 exchanges, is legal, and has a lifetime license. But in the end, there are some bitcoin faucets that are antibot, so you will have to take this in mind as well..
For the best bitcoin faucet 2017 Reddit has shown as a good starting point for our research. Later on, we have consulted some of the numerous sites concerning this popular cryptocurrency such as Top Paying Sites, Bitcointime, Bitcoin Faucets Club and Bit-Sites and some of them gave us the insight in best bitcoin faucet list for 2017. Then we have also researched some bitcoin forums like Bitcointalk to see what the most people agree on but also present their own faucets. After we have gone through some lists and suggestions of the highest paying bitcoin faucets in 2017, we have ranked them for our list according to the amount of reward, i.e., satoshi you earn (at the first place) and a time interval of payments. Depending on the resource available, we have gotten different values of minimum (or average) reward for faucets, so we have tried to give general insight for the minimum (when possible) or average amount. And you should also have in mind that, as the sole value of a bitcoin is fluctuating rapidly, reward amount also is not a steady value.
Since there are numerous faucets nowadays, and much of those being a scam, we have tried to give here the most filtrated list of the highest paying bitcoin faucets in 2017. In any case, before getting into the whole bitcoin thing, you should gain more knowledge about how the cryptocurrencies work, what are pros and cons, where they can be used, and which are the best and safest ways to earn them. But, for now, let’s see which are those highest paying bitcoin faucets in 2017:
Reward (satoshi): 500
Time interval (minutes): 10
One nicely settled faucet with a neat interface. It offers bonuses, cheap PTC rates, unlimited referrals and many other things. It supports trusted Xapo wallet and Faucet Hub Micropayment Platform withdrawal options for the rewards you get, and it is one of the highest paying bitcoin faucets in 2017.
Highest Paying Bitcoin Faucets in 2017
Pixabay/Public Domain

Update: Uflex (NSE:UFLEX) Stock Gained 40% In The Last Five Years

While Uflex Limited (NSE:UFLEX) shareholders are probably generally happy, the stock hasn't had particularly good run recently, with the share price falling 18% in the last quarter. On the other hand the returns over the last half decade have not been bad. After all, the stock has performed better than the market (35%) in that time, and is up 40%.
Check out our latest analysis for Uflex
While the efficient markets hypothesis continues to be taught by some, it has been proven that markets are over-reactive dynamic systems, and investors are not always rational. By comparing earnings per share (EPS) and share price changes over time, we can get a feel for how investor attitudes to a company have morphed over time.
Over half a decade, Uflex managed to grow its earnings per share at 6.9% a year. That makes the EPS growth particularly close to the yearly share price growth of 7.0%. Therefore one could conclude that sentiment towards the shares hasn't morphed very much. In fact, the share price seems to largely reflect the EPS growth.
You can see below how EPS has changed over time (discover the exact values by clicking on the image).
NSEI:UFLEX Past and Future Earnings, August 26th 2019
More
Before buying or selling a stock, we always recommend a close examination of historic growth trends, available here..
What About Dividends?
As well as measuring the share price return, investors should also consider the total shareholder return (TSR). Whereas the share price return only reflects the change in the share price, the TSR includes the value of dividends (assuming they were reinvested) and the benefit of any discounted capital raising or spin-off. So for companies that pay a generous dividend, the TSR is often a lot higher than the share price return. In the case of Uflex, it has a TSR of 49% for the last 5 years. That exceeds its share price return that we previously mentioned. The dividends paid by the company have thusly boosted the total shareholder return.
A Different Perspective
While the broader market lost about 13% in the twelve months, Uflex shareholders did even worse, losing 34% (even including dividends). However, it could simply be that the share price has been impacted by broader market jitters. It might be worth keeping an eye on the fundamentals, in case there's a good opportunity. On the bright side, long term shareholders have made money, with a gain of 8.3% per year over half a decade. If the fundamental data continues to indicate long term sustainable growth, the current sell-off could be an opportunity worth considering. Shareholders might want to examine this detailed historical graph of past earnings, revenue and cash flow.
We will like Uflex better if we see some big insider buys. While we wait, check out this free list of growing companies with considerable, recent, insider buying.
Please note, the market returns quoted in this article reflect the market weighted average returns of stocks that currently trade on IN exchanges.
We aim to bring you long-term focused research analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.
If you spot an error that warrants correction, please contact the editor at editorial-team@simplywallst.com. This article by Simply Wall St is general in nature. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Simply Wall St has no position in the stocks mentioned. Thank you for reading.

600,000 Ford Fiesta, Focus owners await extended warranty notice for transmission repair

Royal Oak resident Ryan Karczewski discusses problems with his 2014 Ford Focus. Ryan Garza, Detroit Free Press
Ford Motor Co. says it will send notification of a new extended warranty on clutch repairs and cost reimbursement after Labor Day to more than a half million owners of the Fiesta and Focus, about three weeks after making a public announcement.
"All field-service actions start with notifications to dealers, so they are aware and prepared. We did that on Aug. 14," Ford spokesman T.R. Reid told the USA TODAY Network's Detroit Free Press. "Letters to customers follow, after we’ve downloaded VINs, cross-referenced and validated them with owner names and addresses, etc. Depending on the number of vehicles involved, that can take a couple of weeks."  
He added the letters sent "right after Labor Day" would go to "more than 600,000 customers in the U.S. and Canada who will be covered by the extended clutch warranty and/or still need the important software update for their transmission control module."
Meanwhile, customers from around the country have contacted the Free Press to say they're getting conflicting information from dealers who deny warranty coverage and reimbursement. Customers have mailed invoices to the Free Press reflecting recent charges for clutch repair and transmission control module repair despite the company's highly publicized announcement Aug. 14.
The company said it was extending the transmission warranty on 2014-16 Focus and 2014-15 Fiesta vehicles assembled after July 4, 2013, to seven years or 100,000 miles, would reimburse previous repairs that would have been covered and reach out to the 16% of vehicle owners who hadn't had the control module software update.
Some customers report long waits for parts — though some of the vehicles' owners already have gotten free repairs. 
Two owners of the 2014 Focus who have been talking with the Free Press since the start of August said the costly transmission service has been completed at no charge – saving them an estimated $1,200 to $1,400 each.
Dan Mlnarik of Grand Rapids is celebrating the extended warranty, telling the Free Press on Sunday that he saved about $1,200 with the free clutch replacement on his 2014 Focus. “It runs great now.”
Rick Yandric of Livonia documented his repeated discussions with Ford as the company moved from declining to pay for his clutch replacement on Aug. 8 to making good on his second transmission fix 16 days later.
“Since Ford extended the warranty, we were able to get our Focus repaired at no cost,” he said Saturday, saying he believes Free Press coverage spurred Ford to take action. “I am positive Ford would have done nothing ... It’s a shame it takes publicity to get a company to fix an obvious defect.”
The entry-level Fiesta and Focus vehicles, built over the past decade, used dual-clutch automatic transmissions known as DPS6 designed for fuel efficiency. They have a history of costly repair for failing clutches and other problems, including shaking, slipping out of gear, delayed acceleration and lurching forward. Litigation involving the cars has been global. The financial risk is so serious that Ford notified investors of the situation in its federal regulatory filing in April. 
A Free Press "Out of Gear" investigation published in July revealed for the first time internal company documents and emails showing that the Dearborn automaker knew the transmissions were defective from the start and continued building and selling them anyway.
Ford, backed by the National Highway Traffic Safety Administration, maintains the vehicles pose no safety risk. The company says it has been aggressive in trying to resolve problems as they have come up. It acknowledges that fixes took longer than expected and that it discussed ditching the transmissions but decided to continue production. 
Despite news of the extended warranty, Ford customers and a top consumer testing official remain skeptical that anything can be done — noting the problems are chronic.
'Sell the car '
The transmissions were introduced in the 2011 model year Fiesta and 2012 Focus. They were used until the Focus was discontinued with the 2018 model year and until the 2019 Fiesta. A Ford internal review at the end of 2016 said that 350,000 of the cars “have already reached 3+ repairs in US.”
"When I look at our data, when you look at the Ford Focus prior to 2012 and major transmission problems, there were few. They had no reports at all in the 2011 model year," said Jake Fisher, senior director of auto testing with two decades of experience at Consumer Reports. "When they put the PowerShift transmission in, about 15% of people had major transmission problems and the newer vehicles still have many problems. In some years, like 2014, nearly a third of the owners report major transmission problems. It's a bit unheard of to see this kind of problem with major mechanical systems these days."
Fisher added, "Automakers usually work this stuff out. These problems just never went away. The newest cars have the same problems."
With a database of more than half a million consumer vehicles, Consumer Reports tests and monitors more vehicles than any other entity. 
"A 2011 Ford Focus now is holding up great. No one is having problems with the transmission," Fisher said.
But newer models? Major transmission issues that require rebuilding and replacement.
"No amount of updates or software is going to make those troubles go away completely. That’s what our data shows year after year," Fisher said. "We refresh our data every year. It consistently shows the problems are not going away. They're trying to replace the transmissions, and the transmissions going in are still troublesome even after replacing the entire unit."
Warranty or not, Fiesta and Focus owners will continue having problems, Fisher said. "We don’t recommend people buy these cars. ... My advice is to sell the car and buy another car. There are a lot of reliable cars, even used cars. There is no other competitor on the market that will give you this kind of headache. Don't throw good money after bad."
Ford said Friday that “our technical analysis, warranty data and customer feedback show that the DPS6 transmission in Focus and Fiesta vehicles from 2016 (model year) through 2019 MY are improved from prior model years. They perform well and have competitive levels of customer satisfaction.”
'Definitely would not'
Ford has also emailed customers satisfaction surveys this week.
Suzanne Kho of Austin, Texas, contacted the Free Press after receiving an email Aug. 22 from Margaret Kishore, global customer experience manager at Ford, asking how likely Kho would be to recommend Ford to others as a 2014 Focus owner: 
  • Definitely would not
  • Probably would not
  • Maybe would
  • Maybe not
  • Probably would
  • Definitely would
    • Kho, who answered "Definitely would not," said she couldn't recall ever receiving such a survey and told the Free Press, "It doesn't make me feel like they care about me as a customer, since they sent it so long after I purchased my car and after I have had so many clutch replacements."
    She said her clutch has been replaced three times with only 41,000 miles on her car.

    How much money you need to retire at 55 and live on investment income alone until 90

    If you want to quit the corporate world 10 or 15 years earlier than most Americans, you'll need a sizable nest egg to draw from.
    To find out exactly how much you'd need to invest to retire at 55, we consulted Brian Fry, a certified financial planner and the founder of Safe Landing Financial.
    Fry used a Monte Carlo simulation to estimate the starting balance someone would need in a taxable investment account the day they leave work to live on either $100,000 a year or $65,000 a year in dividends (fixed income from bond investments) and capital gains (income from equity investments), and principal, after paying taxes, until age 90.
    To run the simulation for a hypothetical retiree, Fry had to make assumptions about the retiree's investments and tax treatments. You can find the full list of assumptions at the end of this post, but in short, he used Right Capital, a financial-planning software that used JPMorgan long-term return estimates for investments; assumed a conservative 3% inflation estimate; assumed no state or local taxes; and did not factor in Social Security.
    In addition, the investments are assumed to be held in a taxable investment account, not a retirement account like an IRA or a 401(k), since you can't withdraw money from those accounts without a penalty before age 59 1/2.
    How much you'd need invested to retire at 55
    According to Fry's calculations, an investor who leaves work at age 55 would need $3.45 million in a taxable investment account on the day they retire if they want an annual post-tax income of $100,000.
    If the investor reduced their target annual income to $65,000, they would need only $2.2 million invested on the day they retire. If you plan to live on even less or expect to reduce your spending as you age, you'd likely need a smaller lump sum to start.
    Further, those who plan to start withdrawing money from their retirement accounts beginning at age 59-and-a-half — less than five years after leaving work — would need an even smaller lump sum in the taxable account.
    Alyssa Powell/Business Insider
    Fry recommended investing 70% of the lump sum in stocks and 30% in bonds, which is considered a "growth" asset allocation because of the age of the investor. However, he noted that it's important the retiree update their financial plan yearly, or whenever they experience a significant life change.
    "Investors tend to be their own worst enemy when experiencing investment losses," Fry said. "If you don't have the time, interest, discipline, and expertise, it's better to work with a fee-only certified financial planner that can tailor your investments to track to your financial plan."
    It's worth noting that many early retirees continue to earn income after leaving their 9-to-5. In fact, some who earn passive income through real-estate investing, blogging, or some other monetizable hobby consider themselves financially independent rather than retired, meaning they don't need to earn a steady paycheck to afford their lifestyle.
    Fry's simulation also did not factor in potential Social Security income. Americans born in 1960 or later — age 59 or younger in 2019 — can retire with full Social Security benefits at age 67, so long as they've worked at least 10 years. The amount of a person's Social Security benefit is equal to an average of monthly wages for their 35 highest-earning years, adjusted for inflation.
    The future of Social Security is uncertain, however, and some financial planners recommend their clients implement a saving and investing strategy to afford retirement without it.
    Assumptions used to calculate the starting investment balance for a 55-year-old retiree
    Fry said the Monte Carlo simulation has two clear limitations: The outputs are only as good as the inputs, and it does not factor in the behavioral aspects of finance or how investors react to swings in the markets.
    Here are the assumptions used in the simulation:
    Investments
  • All investments are in a taxable account.
  • Used $8,333/month for a $100,000 target annual income and $5,417/month for a $65,000 target annual income.
  • JPMorgan long-term return estimates used for investments; 3% inflation used for a conservative amount.
  • Assumed younger investors can take on more risk than older investors.
  • 5% annual portfolio turnover.
  • $0 capital loss carryover.
  • No asset-under-management fees included.
  • Lump sum is invested at the start of simulation as cash with no built-in gains.
    • Taxes
  • No state or local/city tax factored in.
  • Standard deduction taken for a single filer.
  • No Social Security payments factored in for older investors.
  • Dividends: 85% are qualified dividends, 15% are non-qualified dividends.
  • Capital gains: 90% long-term capital gains, 10% short-term capital gains.
  • Tax Cuts and Jobs Act sunset 2025: reflects all updated provisions related to TCJA, including the sunsetting of most individual income-tax provisions in 2025.