Successful Trader's Cheat Sheet
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Our list is broken out into three groupings of recommended mutual funds: “building-block funds” for the core of your portfolio, offering you broad exposure to stocks and bonds; “custom funds” to help you tilt toward specific strategies, such as value or dividend investing; and “one-decision funds,” which are single funds offering you exposure to both equities and fixed income. Here’s a roundup of what we consider the best mutual funds right now:
In 1998, Wei Dai published a description of "b-money", characterized as an anonymous, distributed electronic cash system.[12] Shortly thereafter, Nick Szabo described bit gold.[13] Like bitcoin and other cryptocurrencies that would follow it, bit gold (not to be confused with the later gold-based exchange, BitGold) was described as an electronic currency system which required users to complete a proof of work function with solutions being cryptographically put together and published. A currency system based on a reusable proof of work was later created by Hal Finney who followed the work of Dai and Szabo.[citation needed]
Cryptocurrencies hold the promise of making it easier to transfer funds directly between two parties in a transaction, without the need for a trusted third party such as a bank or credit card company; these transfers are facilitated through the use of public keys and private keys for security purposes. In modern cryptocurrency systems, a user's "wallet," or account address, has the public key, and the private key is used to sign transactions. Fund transfers are done with minimal processing fees, allowing users to avoid the steep fees charged by most banks and financial institutions for wire transfers.
The U.S. government issues Treasury bills in the money market, with maturities that range from a few days to one year. Primary dealers buy them in large amounts directly from the government to trade between themselves or to sell to individual investors. Individual investors can buy them directly from the government through its TreasuryDirect website or through a bank or a broker. State, county, and municipal governments also issue short-term notes.
One example might be when you have saved up a down payment for your first home and are simply waiting to find the perfect house. The stock market might be too risky since you want to buy the house soon and market volatility could eat up some of your investment. Yet the balance is large enough that you don’t want to miss out on earning interest by just having it sit in a conventional saving, or worse, checking account.
Money market accounts may come with checks and a debit card, which distinguishes them from traditional savings accounts and certificates of deposit. The check-writing capability of these accounts provides a degree of flexibility and liquidity often not found in other savings vehicles.Money market accounts allow for up to six withdrawals or transfers per statement cycle. Though some withdrawals, such as those made from an ATM, are unlimited.

A second solution, more focused on money market funds directly, is to re-regulate them to address the common misunderstandings, and to ensure that money market "depositors", who enjoy greater interest rates, thoroughly understand the actual risk they are undertaking. These risks include substantial interconnectedness between and among money market participants, and various other substantial systemic risks factors.
As the SEC was gridlocked, the Financial Stability Oversight Council promulgated its own suggested money market reforms and threatens to move forward if the SEC doesn’t button it up with an acceptable solution of their own on a timely basis. The SEC has argued vociferously that this is "their area" and FSOC should back off and let them handle it, a viewpoint shared by four former SEC Chairmen Roderick Hills, David Ruder, Richard Breeden, and Harvey Pitt, and two former commissioners Roel Campos and Paul S. Atkins.[27]
What is the difference between a jumbo money market account and a traditional money market account? A jumbo money market account is likely to have a higher minimum balance requirement than a normal money market account. Generally, a jumbo deposit product requires a minimum balance of $100,000. The same minimum balance requirement is also true with jumbo CDs. Jumbo money market accounts are rare, but there are at least two institutions that offer them:
Unlike typical bank certificates of deposit (CDs) or savings accounts, money market mutual funds are not insured by the Federal Deposit Insurance Corporation (FDIC); although money market mutual funds invest in high-quality securities and seek to preserve the value of your investment, there is the risk that you could lose money, and there is no guarantee that you will receive $1 per share when you redeem your shares
In 1998, Wei Dai published a description of "b-money", characterized as an anonymous, distributed electronic cash system.[12] Shortly thereafter, Nick Szabo described bit gold.[13] Like bitcoin and other cryptocurrencies that would follow it, bit gold (not to be confused with the later gold-based exchange, BitGold) was described as an electronic currency system which required users to complete a proof of work function with solutions being cryptographically put together and published. A currency system based on a reusable proof of work was later created by Hal Finney who followed the work of Dai and Szabo.[citation needed]
To realize digital cash you need a payment network with accounts, balances, and transaction. That‘s easy to understand. One major problem every payment network has to solve is to prevent the so-called double spending: to prevent that one entity spends the same amount twice. Usually, this is done by a central server who keeps record about the balances.
To realize digital cash you need a payment network with accounts, balances, and transaction. That‘s easy to understand. One major problem every payment network has to solve is to prevent the so-called double spending: to prevent that one entity spends the same amount twice. Usually, this is done by a central server who keeps record about the balances.
Mostly due to its revolutionary properties cryptocurrencies have become a success their inventor, Satoshi Nakamoto, didn‘t dare to dream of it. While every other attempt to create a digital cash system didn‘t attract a critical mass of users, Bitcoin had something that provoked enthusiasm and fascination. Sometimes it feels more like religion than technology.
But while cryptocurrencies are more used for payment, its use as a means of speculation and a store of value dwarfs the payment aspects. Cryptocurrencies gave birth to an incredibly dynamic, fast-growing market for investors and speculators. Exchanges like Okcoin, Poloniex or shapeshift enables the trade of hundreds of cryptocurrencies. Their daily trade volume exceeds that of major European stock exchanges.
Over time, money market fund "depositors" felt more and more secure, and not really at risk. Likewise, on the other end, corporations saw the attractive interest rates and incredibly easy ability to constantly roll over short term commercial paper. Using rollovers they then funded longer and longer term obligations via the money markets. This expands credit. It’s also over time clearly long-term borrowing on one end, funded by an on-demand depositor on the other, with some substantial obfuscation as to what is ultimately going on in between.
^ "Bitcoin: The Cryptoanarchists' Answer to Cash". IEEE Spectrum. Archived from the original on 4 June 2012. Around the same time, Nick Szabo, a computer scientist who now blogs about law and the history of money, was one of the first to imagine a new digital currency from the ground up. Although many consider his scheme, which he calls "bit gold", to be a precursor to Bitcoin
Basically, cryptocurrencies are entries about token in decentralized consensus-databases. They are called CRYPTOcurrencies because the consensus-keeping process is secured by strong cryptography. Cryptocurrencies are built on cryptography. They are not secured by people or by trust, but by math. It is more probable that an asteroid falls on your house than that a bitcoin address is compromised.
Homero Josh Garza, who founded the cryptocurrency startups GAW Miners and ZenMiner in 2014, acknowledged in a plea agreement that the companies were part of a pyramid scheme, and pleaded guilty to wire fraud in 2015. The U.S. Securities and Exchange Commission separately brought a civil enforcement action against Garza, who was eventually ordered to pay a judgment of $9.1 million plus $700,000 in interest. The SEC's complaint stated that Garza, through his companies, had fraudulently sold "investment contracts representing shares in the profits they claimed would be generated" from mining.[70]
  Assets are invested in any eligible U.S. dollar-denominated money market instruments as defined by applicable U.S. Securities and Exchange Commission regulations (Rule 2a-7 of the Investment Company Act of 1940), including all types listed above as well as commercial paper, certificates of deposit, corporate notes, and other private instruments from domestic and foreign issuers, as well as repurchase and potentially reverse repurchase agreements.
What to watch for: This is an introductory APY for the first 12 statement cycles when opening a new consumer money market savings account. This means you won’t be eligible for the offer if you’ve had a State Farm Bank consumer money market savings account open or closed within the past 12 months. Also, a minimum balance fee will be assessed if the average balance for the month goes below $500. But if you have a direct deposit via automated clearing house (ACH), the minimum balance requirement is waived.
Generally, a high-rate money market account pays a higher APY than a checking account because banks can assume that your money will be in there for a longer period. Yes, you could withdraw from a money market account – just like you could in a checking account – but a money market account has built-in restrictions because its transactions are restricted under Regulation D. Unlike a checking account, money market accounts are limited to six “convenient” transfers and withdrawals per month. According to the Federal Reserve, these restricted transfers and withdrawals include transfers to another account to act as overdraft protection, direct bill payments, telephone transfers, withdrawals initiated by fax, computer, email or internet instruction, and transfers or withdrawals made by check, debit card or other similar method used to pay other third parties.
There are several different types of cryptocurrency wallets that cater for different needs. If your priority is privacy, you might want to opt for a paper or a hardware wallet. Those are the most secure ways of storing your crypto funds. There are also ‘cold’ (offline) wallets that are stored on your hard drive and online wallets, which can either be affiliated with exchanges or with independent platforms.
Perks: The minimum opening deposit is $25 for the Platinum Savings account. Wells Fargo’s bonus APY of 1.95 percent APY is competitive for a big brick-and-mortar bank. To earn this bonus APY, you’ll need to have your Platinum Savings account linked to a Portfolio by Wells Fargo relationship. You’ll also only earn this 12-month special interest rate if you deposit $25,000 or more from funds outside of Wells Fargo. This special rate offer is only available on aggregate balances up to $1 million.

Ryan Moran Net Worth


  Assets are invested in any eligible U.S. dollar-denominated money market instruments as defined by applicable U.S. Securities and Exchange Commission regulations (Rule 2a-7 of the Investment Company Act of 1940), including all types listed above as well as commercial paper, certificates of deposit, corporate notes, and other private instruments from domestic and foreign issuers, as well as repurchase and potentially reverse repurchase agreements.
Commercial paper has become a common component of money markets funds as they have evolved from holding only government bonds—their original mainstay—to boost yields. However, it was this reliance on commercial paper that led to the Reserve Primary Fund crisis. In addition to the post-financial crisis reforms in 2010, mentioned above, the SEC adopted fundamental structural changes to the regulations of money market funds. 

Mutual funds continue to be among the most popular investing tools for both individual and professional investors who seek to beat the market or simply access a broad swath of investments rather than purchase stocks or bonds individually. Unlike stocks or exchange-traded funds, mutual funds trade just once per day, and many investors own them as part of a defined contribution retirement plan such as a 401(k) or an individual retirement account, known as an IRA. The price of a mutual fund share is known as the fund's net asset value, or NAV.
What to watch for: The Platinum Savings Account does have check-writing privileges. But there is a cost to ordering checks. Also, the account has a special interest rate that lasts for 12 months. This bonus APY equals to 1.95 percent APY. But the standard yield is 0.05 percent APY and will double to 0.1 percent APY for those who have their platinum savings linked to a Portfolio by Wells Fargo relationship.
Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.
Commercial paper has become a common component of money markets funds as they have evolved from holding only government bonds—their original mainstay—to boost yields. However, it was this reliance on commercial paper that led to the Reserve Primary Fund crisis. In addition to the post-financial crisis reforms in 2010, mentioned above, the SEC adopted fundamental structural changes to the regulations of money market funds. 
While cryptocurrencies are digital currencies that are managed through advanced encryption techniques, many governments have taken a cautious approach toward them, fearing their lack of central control and the effects they could have on financial security.[81] Regulators in several countries have warned against cryptocurrency and some have taken concrete regulatory measures to dissuade users.[82] Additionally, many banks do not offer services for cryptocurrencies and can refuse to offer services to virtual-currency companies.[83] Gareth Murphy, a senior central banking officer has stated "widespread use [of cryptocurrency] would also make it more difficult for statistical agencies to gather data on economic activity, which are used by governments to steer the economy". He cautioned that virtual currencies pose a new challenge to central banks' control over the important functions of monetary and exchange rate policy.[84] While traditional financial products have strong consumer protections in place, there is no intermediary with the power to limit consumer losses if bitcoins are lost or stolen.[85] One of the features cryptocurrency lacks in comparison to credit cards, for example, is consumer protection against fraud, such as chargebacks.
Money market accounts may come with checks and a debit card, which distinguishes them from traditional savings accounts and certificates of deposit. The check-writing capability of these accounts provides a degree of flexibility and liquidity often not found in other savings vehicles.Money market accounts allow for up to six withdrawals or transfers per statement cycle. Though some withdrawals, such as those made from an ATM, are unlimited.

We took a close look at over 70 financial institutions, including the largest U.S. banks based on assets, debit card volume, Internet search traffic and other factors; the nation’s largest credit unions, based on deposits as well as broad-based membership requirements; and other notable and/or emerging players in the industry. We rated them on criteria including annual percentage yields, minimum balances, fees, digital experience and more.
Please note that The Balance does not provide tax, investment, or financial services and advice. The information is being presented without consideration of the investment objectives, risk tolerance or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. Investing involves risk including the possible loss of principal.

Reviews on Trade like Chuck


“While it’s still fairly new and unstable relative to the gold standard, cryptocurrency is definitely gaining traction and will most certainly have more normalized uses in the next few years. Right now, in particular, it’s increasing in popularity with the post-election market uncertainty. The key will be in making it easy for large-scale adoption (as with anything involving crypto) including developing safeguards and protections for buyers/investors. I expect that within two years, we’ll be in a place where people can shove their money under the virtual mattress through cryptocurrency, and they’ll know that wherever they go, that money will be there.” – Sarah Granger, Author, and Speaker. 
I love the fact that we have proponents for trading and not just hodling alone but most confuse buying and holding coins as investment. That’s risky because most commentary about future predictions are wrong. Nobody knows for sure the future with bitcoin or the ALTs and speaking about capitulation and a reversal where the bulls take charge completely, you can only be sure when its already happened. A year ago, we thought it was a capitulation when btc dropped from about $20,000 to $6,000 and it was expected to quickly rebound and find a new hight, but unfunatly it didn’t happen that way everybody thinks. To do well with cryptos, you need to find a working system to use in expanding that portfolio over and over again until the next resistance which many believe to be in the range of $15,000. I got 3.2 more BTC, 5.7 LTC, 2 ETH and many other unpopular alt coins last month and all are now in trading, and applying a currency prediction tool called ATRS to bypass crypto market risk, I won’t divulge into that for now. The software is built and programmed with the ability to identify the rise of any cryptocurrencies when it’s high and indicating when to sell out in the crypto market keeping you at a maximized profit payout and also automatically opt out when the prices of any crypto is going low. The real money comes with Research, trading and Patience. I will stop here so I don’t bore you guys, but it is sure worth your time. in case you are interested in venturing into investing in Crypto and Digital Currencies, or perhaps you are trading them but you don’t understand what you are doing, Hope this advice helps because in the long run what it all comes down to, its just crypto, You and Me hopefully making the right decisions, feel free to get in touch with me, I will be sure to guide and assist you with any information you may need to invest in these new and unpopular crypto and digital currencies that are making waves at the moment. jaxonelliot001@gmailcom
Within a cryptocurrency network, only miners can confirm transactions by solving a cryptographic puzzle. They take transactions, mark them as legitimate and spread them across the network. Afterwards, every node of the network adds it to its database. Once the transaction is confirmed it becomes unforgeable and irreversible and a miner receives a reward, plus the transaction fees.

Uncovered Put


The market of cryptocurrencies is fast and wild. Nearly every day new cryptocurrencies emerge, old die, early adopters get wealthy and investors lose money. Every cryptocurrency comes with a promise, mostly a big story to turn the world around. Few survive the first months, and most are pumped and dumped by speculators and live on as zombie coins until the last bagholder loses hope ever to see a return on his investment.
Over time, money market fund "depositors" felt more and more secure, and not really at risk. Likewise, on the other end, corporations saw the attractive interest rates and incredibly easy ability to constantly roll over short term commercial paper. Using rollovers they then funded longer and longer term obligations via the money markets. This expands credit. It’s also over time clearly long-term borrowing on one end, funded by an on-demand depositor on the other, with some substantial obfuscation as to what is ultimately going on in between.
An MMA is not a checking account. Some money market accounts have check-writing and debit card features. But, as with regular savings accounts, they are limited by the Federal Reserve to six “convenient” transfers or withdrawals a month — including by check, debit card swipe or online transfer. If you want the ability to write checks and make frequent withdrawals, you may be better off opening an interest-bearing checking account. (You can look for high-interest accounts by entering your ZIP code and minimum deposit in our interest checking tool.)
Looking closer we see that if you can meet the $3,000 minimum investment size, Vanguard’s VMMXX offers an appealing combination of relatively high returns with low expenses. If you don’t have a large amount of cash to invest, you should note that both FMPXX and FIDXX have $1MM investment minimums. If you have less than $1,000, SPRXX doesn’t meet the yield and expense ratio thresholds we laid out, but it doesn’t have an investment minimum.
Homero Josh Garza, who founded the cryptocurrency startups GAW Miners and ZenMiner in 2014, acknowledged in a plea agreement that the companies were part of a pyramid scheme, and pleaded guilty to wire fraud in 2015. The U.S. Securities and Exchange Commission separately brought a civil enforcement action against Garza, who was eventually ordered to pay a judgment of $9.1 million plus $700,000 in interest. The SEC's complaint stated that Garza, through his companies, had fraudulently sold "investment contracts representing shares in the profits they claimed would be generated" from mining.[70]

A high-rate money market account can be both a worthwhile investment and a shorter-term savings tool for liquid money. It’s a worthwhile investment for money that needs to earn a competitive APY (annual percentage yield) and be kept safe. One of the safest places is an eligible account at a Federal Deposit Insurance Corp. (FDIC) bank that’s within FDIC insurance limits. If your money market account is at an FDIC bank -- or has National Credit Union Share Insurance (NCUSIF) protection if it’s at an National Credit Union Administration (NCUA) credit union – then your account is covered if it’s within coverage limits.


To understand the revolutionary impact of cryptocurrencies you need to consider both properties. Bitcoin as a permissionless, irreversible, and pseudonymous means of payment is an attack on the control of banks and governments over the monetary transactions of their citizens. You can‘t hinder someone to use Bitcoin, you can‘t prohibit someone to accept a payment, you can‘t undo a transaction.
From the outset, money market funds fell under the jurisdiction of the SEC as they appeared to be more like investments (most similar to traditional stocks and bonds) vs. deposits and loans (cash and cash equivalents the domain of the bankers). Although money market funds are quite close to and are often accounted for as cash equivalents their main regulator, the SEC, has zero mandate to control the supply of money, limit the overall extension of credit, mitigate against boom and bust cycles, etc. The SEC’s focus remains on adequate disclosure of risk, and honesty and integrity in financial reporting and trading markets. After adequate disclosure, the SEC adopts a hands off, let the buyer beware attitude.

An FDIC-insured account is safe as long as your funds are within insurance limits. No customer has ever lost a penny in an insured deposit account, according to the FDIC, Money market accounts at online banks, brick-and-mortar banks or credit unions are safe as long as the institution is an FDIC bank or NCUA credit union and you’re within insurance guidelines. The FDIC and the NCUSIF, at NCUA credit unions, are backed by the full faith and credit of the U.S. government. For instance, if needed, the FDIC can draw on a line of credit with the U.S. Treasury.
In the wholesale market, commercial paper is a popular borrowing mechanism because the interest rates are higher than for bank time deposits or Treasury bills, and a greater range of maturities is available, from overnight to 270 days. However, the risk of default is significantly higher for commercial paper than for bank or government instruments.
Two members of the Silk Road Task Force—a multi-agency federal task force that carried out the U.S. investigation of Silk Road—seized bitcoins for their own use in the course of the investigation.[68] DEA agent Carl Mark Force IV, who attempted to extort Silk Road founder Ross Ulbricht ("Dread Pirate Roberts"), pleaded guilty to money laundering, obstruction of justice, and extortion under color of official right, and was sentenced to 6.5 years in federal prison.[68] U.S. Secret Service agent Shaun Bridges pleaded guilty to crimes relating to his diversion of $800,000 worth of bitcoins to his personal account during the investigation, and also separately pleaded guilty to money laundering in connection with another cryptocurrency theft; he was sentenced to nearly eight years in federal prison.[69]
In 1998, Wei Dai published a description of "b-money", characterized as an anonymous, distributed electronic cash system.[12] Shortly thereafter, Nick Szabo described bit gold.[13] Like bitcoin and other cryptocurrencies that would follow it, bit gold (not to be confused with the later gold-based exchange, BitGold) was described as an electronic currency system which required users to complete a proof of work function with solutions being cryptographically put together and published. A currency system based on a reusable proof of work was later created by Hal Finney who followed the work of Dai and Szabo.[citation needed]
Foreign exchange (Forex) products and services are offered to self-directed investors through Ally Invest Forex LLC. NFA Member (ID #0408077), who acts as an introducing broker to GAIN Capital Group, LLC ("GAIN Capital"), a registered FCM/RFED and NFA Member (ID #0339826). Forex accounts are held and maintained at GAIN Capital. Forex accounts are NOT PROTECTED by the SIPC. View all Forex disclosures
This is a bank run in the sense that there is a mismatch in maturities, and thus a money fund is a "virtual bank": the assets of money funds, while short term, nonetheless typically have maturities of several months, while investors can request redemption at any time, without waiting for obligations to come due. Thus if there is a sudden demand for redemptions, the assets may be liquidated in a fire sale, depressing their sale price.
Cryptocurrencies' blockchains are secure, but other aspects of a cryptocurrency ecosystem are not immune to the threat of hacking. In Bitcoin's 10-year history, several online exchanges have been the subject of hacking and theft, sometimes with millions of dollars worth of 'coins' stolen. Still, many observers look at cryptocurrencies as hope that a currency can exist that preserves value, facilitates exchange, is more transportable than hard metals, and is outside the influence of central banks and governments.
1) Controlled supply: Most cryptocurrencies limit the supply of the tokens. In Bitcoin, the supply decreases in time and will reach its final number sometime around the year 2140. All cryptocurrencies control the supply of the token by a schedule written in the code. This means the monetary supply of a cryptocurrency in every given moment in the future can roughly be calculated today. There is no surprise.
Over time, money market fund "depositors" felt more and more secure, and not really at risk. Likewise, on the other end, corporations saw the attractive interest rates and incredibly easy ability to constantly roll over short term commercial paper. Using rollovers they then funded longer and longer term obligations via the money markets. This expands credit. It’s also over time clearly long-term borrowing on one end, funded by an on-demand depositor on the other, with some substantial obfuscation as to what is ultimately going on in between.