Ecoer Logo
VOTING POWER100.00%
DOWNVOTE POWER100.00%
RESOURCE CREDITS100.00%
REPUTATION PROGRESS0.00%
Net Worth
0.009USD
STEEM
0.007STEEM
SBD
0.002SBD
Effective Power
5.008SP
├── Own SP
0.125SP
└── Incoming Deleg
+4.883SP

Detailed Balance

STEEM
balance
0.000STEEM
market_balance
0.000STEEM
savings_balance
0.000STEEM
reward_steem_balance
0.007STEEM
STEEM POWER
Own SP
0.125SP
Delegated Out
0.000SP
Delegation In
4.883SP
Effective Power
5.008SP
Reward SP (pending)
0.009SP
SBD
sbd_balance
0.000SBD
sbd_conversions
0.000SBD
sbd_market_balance
0.000SBD
savings_sbd_balance
0.000SBD
reward_sbd_balance
0.002SBD
{
  "balance": "0.000 STEEM",
  "savings_balance": "0.000 STEEM",
  "reward_steem_balance": "0.007 STEEM",
  "vesting_shares": "203.075335 VESTS",
  "delegated_vesting_shares": "0.000000 VESTS",
  "received_vesting_shares": "7940.584471 VESTS",
  "sbd_balance": "0.000 SBD",
  "savings_sbd_balance": "0.000 SBD",
  "reward_sbd_balance": "0.002 SBD",
  "conversions": []
}

Account Info

namehoumayo
id1058859
rank301,452
reputation408746586
created2018-06-24T06:41:21
recovery_accountsteem
proxyNone
post_count22
comment_count0
lifetime_vote_count0
witnesses_voted_for0
last_post2018-07-09T14:43:42
last_root_post2018-07-09T14:43:42
last_vote_time2018-07-09T14:47:36
proxied_vsf_votes0, 0, 0, 0
can_vote1
voting_power0
delayed_votes0
balance0.000 STEEM
savings_balance0.000 STEEM
sbd_balance0.000 SBD
savings_sbd_balance0.000 SBD
vesting_shares203.075335 VESTS
delegated_vesting_shares0.000000 VESTS
received_vesting_shares7940.584471 VESTS
reward_vesting_balance18.270108 VESTS
vesting_balance0.000 STEEM
vesting_withdraw_rate0.000000 VESTS
next_vesting_withdrawal1969-12-31T23:59:59
withdrawn0
to_withdraw0
withdraw_routes0
savings_withdraw_requests0
last_account_recovery1970-01-01T00:00:00
reset_accountnull
last_owner_update1970-01-01T00:00:00
last_account_update2018-06-24T10:07:45
minedNo
sbd_seconds0
sbd_last_interest_payment1970-01-01T00:00:00
savings_sbd_last_interest_payment1970-01-01T00:00:00
{
  "active": {
    "account_auths": [],
    "key_auths": [
      [
        "STM6p8mts8CPn89qjgAz4BcqVTvmaSkHfdiEbKz4vd5ixUSbDw3An",
        1
      ]
    ],
    "weight_threshold": 1
  },
  "balance": "0.000 STEEM",
  "can_vote": true,
  "comment_count": 0,
  "created": "2018-06-24T06:41:21",
  "curation_rewards": 0,
  "delegated_vesting_shares": "0.000000 VESTS",
  "downvote_manabar": {
    "current_mana": 2035914951,
    "last_update_time": 1779066798
  },
  "guest_bloggers": [],
  "id": 1058859,
  "json_metadata": "{\"profile\":{\"profile_image\":\"https://cdn.steemitimages.com/DQmbt5uLRCZQB83qm3crssRqKz6eeWVEGnSCrugVNmcvTUT/Cart-Hero.png\"}}",
  "last_account_recovery": "1970-01-01T00:00:00",
  "last_account_update": "2018-06-24T10:07:45",
  "last_owner_update": "1970-01-01T00:00:00",
  "last_post": "2018-07-09T14:43:42",
  "last_root_post": "2018-07-09T14:43:42",
  "last_vote_time": "2018-07-09T14:47:36",
  "lifetime_vote_count": 0,
  "market_history": [],
  "memo_key": "STM89YUWsH1rRhJvKpCYtBY5bJtXVNsgVtAQXZnJJG31yaNq6JEzx",
  "mined": false,
  "name": "houmayo",
  "next_vesting_withdrawal": "1969-12-31T23:59:59",
  "other_history": [],
  "owner": {
    "account_auths": [],
    "key_auths": [
      [
        "STM5fdJ6btSBXCD6YdG6pp2yaJ5iQK6Qciij6S587R3XMZ7G2A1W5",
        1
      ]
    ],
    "weight_threshold": 1
  },
  "pending_claimed_accounts": 0,
  "post_bandwidth": 0,
  "post_count": 22,
  "post_history": [],
  "posting": {
    "account_auths": [],
    "key_auths": [
      [
        "STM6Ws5zo9xyb8Y2DUj4jRQR72EUffrchgBG3qEFkJaoi69pJ3Dec",
        1
      ]
    ],
    "weight_threshold": 1
  },
  "posting_json_metadata": "{\"profile\":{\"profile_image\":\"https://cdn.steemitimages.com/DQmbt5uLRCZQB83qm3crssRqKz6eeWVEGnSCrugVNmcvTUT/Cart-Hero.png\"}}",
  "posting_rewards": 18,
  "proxied_vsf_votes": [
    0,
    0,
    0,
    0
  ],
  "proxy": "",
  "received_vesting_shares": "7940.584471 VESTS",
  "recovery_account": "steem",
  "reputation": 408746586,
  "reset_account": "null",
  "reward_sbd_balance": "0.002 SBD",
  "reward_steem_balance": "0.007 STEEM",
  "reward_vesting_balance": "18.270108 VESTS",
  "reward_vesting_steem": "0.009 STEEM",
  "savings_balance": "0.000 STEEM",
  "savings_sbd_balance": "0.000 SBD",
  "savings_sbd_last_interest_payment": "1970-01-01T00:00:00",
  "savings_sbd_seconds": "0",
  "savings_sbd_seconds_last_update": "1970-01-01T00:00:00",
  "savings_withdraw_requests": 0,
  "sbd_balance": "0.000 SBD",
  "sbd_last_interest_payment": "1970-01-01T00:00:00",
  "sbd_seconds": "0",
  "sbd_seconds_last_update": "1970-01-01T00:00:00",
  "tags_usage": [],
  "to_withdraw": 0,
  "transfer_history": [],
  "vesting_balance": "0.000 STEEM",
  "vesting_shares": "203.075335 VESTS",
  "vesting_withdraw_rate": "0.000000 VESTS",
  "vote_history": [],
  "voting_manabar": {
    "current_mana": "8143659806",
    "last_update_time": 1779066798
  },
  "voting_power": 0,
  "withdraw_routes": 0,
  "withdrawn": 0,
  "witness_votes": [],
  "witnesses_voted_for": 0,
  "rank": 301452
}

Withdraw Routes

IncomingOutgoing
Empty
Empty
{
  "incoming": [],
  "outgoing": []
}
From Date
To Date
steemdelegated 4.883 SP to @houmayo
2026/05/18 01:13:18
delegateehoumayo
delegatorsteem
vesting shares7940.584471 VESTS
Transaction InfoBlock #106144604/Trx 3dd6383e5de6796d6197fd4ec9a0e6509aed261a
View Raw JSON Data
{
  "block": 106144604,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "houmayo",
      "delegator": "steem",
      "vesting_shares": "7940.584471 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2026-05-18T01:13:18",
  "trx_id": "3dd6383e5de6796d6197fd4ec9a0e6509aed261a",
  "trx_in_block": 2,
  "virtual_op": 0
}
steemdelegated 3.215 SP to @houmayo
2026/05/12 07:46:18
delegateehoumayo
delegatorsteem
vesting shares5228.374066 VESTS
Transaction InfoBlock #105980419/Trx fe6690328fdd105cd912a80d02093300e8ca9ac8
View Raw JSON Data
{
  "block": 105980419,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "houmayo",
      "delegator": "steem",
      "vesting_shares": "5228.374066 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2026-05-12T07:46:18",
  "trx_id": "fe6690328fdd105cd912a80d02093300e8ca9ac8",
  "trx_in_block": 2,
  "virtual_op": 0
}
steemdelegated 4.890 SP to @houmayo
2026/04/26 00:32:36
delegateehoumayo
delegatorsteem
vesting shares7953.100227 VESTS
Transaction InfoBlock #105512228/Trx a782bab3031bcde0bd1a3923c7435e82a9562f4f
View Raw JSON Data
{
  "block": 105512228,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "houmayo",
      "delegator": "steem",
      "vesting_shares": "7953.100227 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2026-04-26T00:32:36",
  "trx_id": "a782bab3031bcde0bd1a3923c7435e82a9562f4f",
  "trx_in_block": 0,
  "virtual_op": 0
}
steemdelegated 3.241 SP to @houmayo
2026/01/23 10:24:24
delegateehoumayo
delegatorsteem
vesting shares5269.920885 VESTS
Transaction InfoBlock #102854934/Trx 0d1d2d0989cb8e62dedf829ec5891b2323cc0db6
View Raw JSON Data
{
  "block": 102854934,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "houmayo",
      "delegator": "steem",
      "vesting_shares": "5269.920885 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2026-01-23T10:24:24",
  "trx_id": "0d1d2d0989cb8e62dedf829ec5891b2323cc0db6",
  "trx_in_block": 0,
  "virtual_op": 0
}
steemdelegated 3.341 SP to @houmayo
2024/12/17 05:41:57
delegateehoumayo
delegatorsteem
vesting shares5434.140082 VESTS
Transaction InfoBlock #91301304/Trx 6adbe7c55e331aada91f29fec6a9451e594220ce
View Raw JSON Data
{
  "block": 91301304,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "houmayo",
      "delegator": "steem",
      "vesting_shares": "5434.140082 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2024-12-17T05:41:57",
  "trx_id": "6adbe7c55e331aada91f29fec6a9451e594220ce",
  "trx_in_block": 3,
  "virtual_op": 0
}
steemdelegated 3.445 SP to @houmayo
2023/11/13 21:24:18
delegateehoumayo
delegatorsteem
vesting shares5603.273614 VESTS
Transaction InfoBlock #79855493/Trx fe86446527d2cf22042acb0ef12c07a69d7f1570
View Raw JSON Data
{
  "block": 79855493,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "houmayo",
      "delegator": "steem",
      "vesting_shares": "5603.273614 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2023-11-13T21:24:18",
  "trx_id": "fe86446527d2cf22042acb0ef12c07a69d7f1570",
  "trx_in_block": 2,
  "virtual_op": 0
}
steemdelegated 5.252 SP to @houmayo
2023/09/21 22:58:27
delegateehoumayo
delegatorsteem
vesting shares8540.552400 VESTS
Transaction InfoBlock #78349198/Trx 06c53e5dced0fa90ec9895d0d74ba730f2ea92e5
View Raw JSON Data
{
  "block": 78349198,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "houmayo",
      "delegator": "steem",
      "vesting_shares": "8540.552400 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2023-09-21T22:58:27",
  "trx_id": "06c53e5dced0fa90ec9895d0d74ba730f2ea92e5",
  "trx_in_block": 0,
  "virtual_op": 0
}
steemdelegated 5.388 SP to @houmayo
2022/11/03 12:36:57
delegateehoumayo
delegatorsteem
vesting shares8762.233838 VESTS
Transaction InfoBlock #69114351/Trx 0bae922f6575d1053adff63a04290dd6a54881e5
View Raw JSON Data
{
  "block": 69114351,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "houmayo",
      "delegator": "steem",
      "vesting_shares": "8762.233838 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2022-11-03T12:36:57",
  "trx_id": "0bae922f6575d1053adff63a04290dd6a54881e5",
  "trx_in_block": 1,
  "virtual_op": 0
}
steemdelegated 5.524 SP to @houmayo
2022/01/17 11:48:21
delegateehoumayo
delegatorsteem
vesting shares8982.767069 VESTS
Transaction InfoBlock #60810428/Trx 2babe77a3f16a9a8b00880636e5decac51b9743b
View Raw JSON Data
{
  "block": 60810428,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "houmayo",
      "delegator": "steem",
      "vesting_shares": "8982.767069 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2022-01-17T11:48:21",
  "trx_id": "2babe77a3f16a9a8b00880636e5decac51b9743b",
  "trx_in_block": 79,
  "virtual_op": 0
}
steemdelegated 5.637 SP to @houmayo
2021/06/14 01:41:15
delegateehoumayo
delegatorsteem
vesting shares9166.535727 VESTS
Transaction InfoBlock #54608767/Trx 3bcceabf53d95a35463dd89c57ba0dfe99c787d6
View Raw JSON Data
{
  "block": 54608767,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "houmayo",
      "delegator": "steem",
      "vesting_shares": "9166.535727 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2021-06-14T01:41:15",
  "trx_id": "3bcceabf53d95a35463dd89c57ba0dfe99c787d6",
  "trx_in_block": 8,
  "virtual_op": 0
}
steemdelegated 5.752 SP to @houmayo
2020/12/11 11:58:39
delegateehoumayo
delegatorsteem
vesting shares9353.957701 VESTS
Transaction InfoBlock #49356184/Trx 995a3ed0610b0b0f087bd4d9f4f0b21ef2a682c6
View Raw JSON Data
{
  "block": 49356184,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "houmayo",
      "delegator": "steem",
      "vesting_shares": "9353.957701 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-12-11T11:58:39",
  "trx_id": "995a3ed0610b0b0f087bd4d9f4f0b21ef2a682c6",
  "trx_in_block": 2,
  "virtual_op": 0
}
steemdelegated 1.176 SP to @houmayo
2020/12/06 05:35:45
delegateehoumayo
delegatorsteem
vesting shares1912.543513 VESTS
Transaction InfoBlock #49207744/Trx 225733e01f962967f65e1b98174fe841b7ccf69d
View Raw JSON Data
{
  "block": 49207744,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "houmayo",
      "delegator": "steem",
      "vesting_shares": "1912.543513 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-12-06T05:35:45",
  "trx_id": "225733e01f962967f65e1b98174fe841b7ccf69d",
  "trx_in_block": 0,
  "virtual_op": 0
}
steemdelegated 5.756 SP to @houmayo
2020/12/05 15:36:36
delegateehoumayo
delegatorsteem
vesting shares9360.165555 VESTS
Transaction InfoBlock #49191279/Trx 5d1697952d2fe29b4baacb0ce3f202284c52e1ad
View Raw JSON Data
{
  "block": 49191279,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "houmayo",
      "delegator": "steem",
      "vesting_shares": "9360.165555 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-12-05T15:36:36",
  "trx_id": "5d1697952d2fe29b4baacb0ce3f202284c52e1ad",
  "trx_in_block": 0,
  "virtual_op": 0
}
steemdelegated 1.181 SP to @houmayo
2020/11/02 17:22:54
delegateehoumayo
delegatorsteem
vesting shares1920.017158 VESTS
Transaction InfoBlock #48259853/Trx b9f7a05455e4f44d20fbc719c86da929c55034ed
View Raw JSON Data
{
  "block": 48259853,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "houmayo",
      "delegator": "steem",
      "vesting_shares": "1920.017158 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-11-02T17:22:54",
  "trx_id": "b9f7a05455e4f44d20fbc719c86da929c55034ed",
  "trx_in_block": 0,
  "virtual_op": 0
}
2020/10/09 03:36:30
authordavidbass
bodyGreat post! You should write a review of ExoBucks. Their system analyzes each visitor you send, detects which URL shortener will pay the most for that visitor and then sends them to it. Plus, they have a great referral program that let's you earn from 50+ URL shorteners (in case you're an affiliate marketer).
json metadata{"app":"steemit/0.2"}
parent authorhoumayo
parent permlinkza-gl-is-the-best-url-shortener-for-earn-money
permlinkqhx0os
title
Transaction InfoBlock #47563544/Trx 949e1747bd40c1575ad4f4a3c66605b29b5eb199
View Raw JSON Data
{
  "block": 47563544,
  "op": [
    "comment",
    {
      "author": "davidbass",
      "body": "Great post! You should write a review of ExoBucks. Their system analyzes each visitor you send, detects which URL shortener will pay the most for that visitor and then sends them to it.\n\nPlus, they have a great referral program that let's you earn from 50+ URL shorteners (in case you're an affiliate marketer).",
      "json_metadata": "{\"app\":\"steemit/0.2\"}",
      "parent_author": "houmayo",
      "parent_permlink": "za-gl-is-the-best-url-shortener-for-earn-money",
      "permlink": "qhx0os",
      "title": ""
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-10-09T03:36:30",
  "trx_id": "949e1747bd40c1575ad4f4a3c66605b29b5eb199",
  "trx_in_block": 0,
  "virtual_op": 0
}
steemdelegated 5.880 SP to @houmayo
2020/05/09 06:33:54
delegateehoumayo
delegatorsteem
vesting shares9562.970914 VESTS
Transaction InfoBlock #43218004/Trx f5b462db6fcb27b8a943c6e4d8f2c93377cbe096
View Raw JSON Data
{
  "block": 43218004,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "houmayo",
      "delegator": "steem",
      "vesting_shares": "9562.970914 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-05-09T06:33:54",
  "trx_id": "f5b462db6fcb27b8a943c6e4d8f2c93377cbe096",
  "trx_in_block": 18,
  "virtual_op": 0
}
steemdelegated 1.201 SP to @houmayo
2020/05/08 10:17:54
delegateehoumayo
delegatorsteem
vesting shares1953.311140 VESTS
Transaction InfoBlock #43194252/Trx af5e5c424250da2d6e19afdfed41a22544794918
View Raw JSON Data
{
  "block": 43194252,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "houmayo",
      "delegator": "steem",
      "vesting_shares": "1953.311140 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-05-08T10:17:54",
  "trx_id": "af5e5c424250da2d6e19afdfed41a22544794918",
  "trx_in_block": 8,
  "virtual_op": 0
}
steemdelegated 5.962 SP to @houmayo
2019/09/18 05:20:15
delegateehoumayo
delegatorsteem
vesting shares9695.585344 VESTS
Transaction InfoBlock #36520579/Trx 7d93c1959ae0540036bace6317d217a07a280841
View Raw JSON Data
{
  "block": 36520579,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "houmayo",
      "delegator": "steem",
      "vesting_shares": "9695.585344 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2019-09-18T05:20:15",
  "trx_id": "7d93c1959ae0540036bace6317d217a07a280841",
  "trx_in_block": 31,
  "virtual_op": 0
}
2019/06/24 07:31:36
authorsteemitboard
bodyCongratulations @houmayo! You received a personal award! <table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@houmayo/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table> <sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@houmayo) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=houmayo)_</sub> **Do not miss the last post from @steemitboard:** <table><tr><td><a href="https://steemit.com/steemitboard/@steemitboard/the-steem-community-has-lost-an-epic-member-farewell-woflhart"><img src="https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmQWnM36SWCPGn98nY83M1ArgweMz5fnovQEp2E4FiDdug/Wolfhart_header.png"></a></td><td><a href="https://steemit.com/steemitboard/@steemitboard/the-steem-community-has-lost-an-epic-member-farewell-woflhart">The Steem community has lost an epic member! Farewell @woflhart!</a></td></tr><tr><td><a href="https://steemit.com/steemtoolbar/@steemitboard/steemtoolbar-update-display-bug-fixed"><img src="https://steemitimages.com/64x128/http://i.cubeupload.com/7CiQEO.png"></a></td><td><a href="https://steemit.com/steemtoolbar/@steemitboard/steemtoolbar-update-display-bug-fixed">SteemitBoard - Witness Update</a></td></tr><tr><td><a href="https://steemit.com/steem/@steemitboard/do-not-miss-the-coming-rocky-mountain-steem-meetup-and-get-a-new-community-badge"><img src="https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmUphCGZFWgt6bJ1XTtunV7esnwy6bxnGqcLcHAV3NEqnQ/meetup-rocky-mountain.png"></a></td><td><a href="https://steemit.com/steem/@steemitboard/do-not-miss-the-coming-rocky-mountain-steem-meetup-and-get-a-new-community-badge">Do not miss the coming Rocky Mountain Steem Meetup and get a new community badge!</a></td></tr></table> ###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!
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      "body": "Congratulations @houmayo! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@houmayo/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@houmayo) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=houmayo)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemitboard/@steemitboard/the-steem-community-has-lost-an-epic-member-farewell-woflhart\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmQWnM36SWCPGn98nY83M1ArgweMz5fnovQEp2E4FiDdug/Wolfhart_header.png\"></a></td><td><a href=\"https://steemit.com/steemitboard/@steemitboard/the-steem-community-has-lost-an-epic-member-farewell-woflhart\">The Steem community has lost an epic member! Farewell @woflhart!</a></td></tr><tr><td><a href=\"https://steemit.com/steemtoolbar/@steemitboard/steemtoolbar-update-display-bug-fixed\"><img src=\"https://steemitimages.com/64x128/http://i.cubeupload.com/7CiQEO.png\"></a></td><td><a href=\"https://steemit.com/steemtoolbar/@steemitboard/steemtoolbar-update-display-bug-fixed\">SteemitBoard - Witness Update</a></td></tr><tr><td><a href=\"https://steemit.com/steem/@steemitboard/do-not-miss-the-coming-rocky-mountain-steem-meetup-and-get-a-new-community-badge\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmUphCGZFWgt6bJ1XTtunV7esnwy6bxnGqcLcHAV3NEqnQ/meetup-rocky-mountain.png\"></a></td><td><a href=\"https://steemit.com/steem/@steemitboard/do-not-miss-the-coming-rocky-mountain-steem-meetup-and-get-a-new-community-badge\">Do not miss the coming Rocky Mountain Steem Meetup and get a new community badge!</a></td></tr></table>\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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steemdelegated 6.084 SP to @houmayo
2018/10/08 16:44:21
delegateehoumayo
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2018/07/09 15:53:12
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2018/07/09 14:47:36
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2018/07/09 14:46:39
authorhoumayo
body@@ -1,20 +1,149 @@ +!%5Blife-cycle-picture.jpg%5D(https://cdn.steemitimages.com/DQmSjPVZ3urXjmLHmu7w9Ag6vU1iRfVwMnG9dL7XcLzQXpz/life-cycle-picture.jpg)%0A%0A Life settlements are
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2018/07/09 14:44:33
authorcheetah
bodyHi! I am a robot. I just upvoted you! I found similar content that readers might be interested in: https://vinzite.com/life-settlement-underwriting-the-flip-side-of-the-coin/
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2018/07/09 14:44:03
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2018/07/09 14:43:42
authorhoumayo
bodyLife settlements are fast growing into a staple of the insurance and financial planning world. Most financial professionals have heard of life settlements, which is the sale of a life insurance policy of a senior (age 65 and over) for a lump sum which is greater than the policy's cash surrender value but less than its death benefit. Policies which are viable for a life settlement are generally those beyond the contestability period wherein the insured has a life expectancy of between 2 and 15 years. Today life settlements are dominated by institutional funders and pension funds. Despite the continued growth in the life settlements market, the number of insurance or financial professionals that have actually completed a life settlement is surprisingly low. This can be attributed mainly to a lack of in-depth knowledge of life settlements on the part of these professionals. Considering that life settlements are a relatively new option for policy owners, many financial professionals, although having heard of life settlements, have still not had the opportunity to delve into the subject on a deeper level. Many policy holders come to a juncture wherein they continue to pay life insurance premiums on an unwanted policy in hopes of a gain at maturation, or to recoup some of the investment by trading the policy for its cash surrender value. Corporate policyholders often face additional dilemmas when dealing with departing executives with key-man or split-dollar policies, or insurance purchased as part of a buy-sell agreement. With a life settlement, the policyholder realizes an amount much greater than the cash surrender value in exchange for the policy's ownership. Term life insurance policies are also applicable when converted into permanent insurance. Life settlement transactions involving key-man or buy-sell policies can provide businesses with increased cash flow to solve immediate financial problems, while transactions concerning split-dollar policies typically involve retirement planning and charitable giving issues. In short, life settlements offer policyholders of all kinds an array of options previously unavailable to them. In a recent advisor survey, nearly half of the respondents had clients who had surrendered a life insurance policy, many of whom might have qualified for a life settlement transaction and subsequent lump sum cash payment. In this article I will discuss in depth the underwriting process related to life settlements, which is of paramount importance in the process, just as it is in life insurance itself, although there is a great deal of difference in the process for each respectively. Settlement amounts are determined by a multitude of factors that arrive at a Net Present Value, which is the present value of future benefits from the death benefit minus the present value of future payments associated with sustaining the policy until maturation. These expenses include premium payments, cost of capital and administrative costs. This calculation enables the purchaser to factor in the desired profit from the investment and propose an offer to the seller of the policy. Due to the fact that the investor will be sustaining the policy premiums until maturation, the life expectancy of the insured becomes critical in assessing the value or sale price of the policy. If the assessment of an insured's life expectancy is too short, the purchaser will have paid too much and risks a financial loss. By contrast, should the assessment of an insured's life expectancy be longer than his or her actual life span, the offer to the seller would have been less than it could have been, thus resulting in an undervalued sale for the policy owner. Institutional investors in life settlements generally obtain life expectancy reports from two or more independent LE (life expectancy) providers. Many of the larger institutions investing in life settlements have proprietary underwriting personnel on staff. LE reports can vary significantly based on interpretations, medical data on the insured, and/or the actuarial tables used. DIFFERENCES IN UNDERWRITING METHODOLOGY - Companies which provide LE reports use actuarial and medical experts who apply probability theory, actuarial methodology and medical analysis in calculating the probable mortality of an insured. Many LE providers employ the services of experienced life insurance underwriters who work in tandem with the actuarial and medical experts. There are a number of companies which provide LE reports. Among those most commonly accepted by institutional investors are: AVS, Fasano, 21st Services, ISC Services and EMSI. These companies specialize in underwriting the senior segment (insureds above the age of 65) and have developed specified methods, underwriting manuals, and mortality tables. The insurance industry customarily employs Reinsurance underwriting manuals as the basis of its ratings for insurability. However, Reinsurance manuals are gauged primarily for insurance applicants up to the age of 65 with insurable impairments up to 500%. These standards reflect the traditional demographic for life insurance. Conversely, life settlement underwriting is geared toward those above the age of 65 and can have impairment ratings much higher than 500%. In order to cater to this market segment, adaptations were made to these underwriting manuals based on extensive research of current senior mortality data and scrutinized against recent medical advances and the treatment of diseases or disorders often associated with the elderly. In addition to this, companies that provide LE reports also draw from, and factor in, proprietary data accumulated from previous assessments. Generally, a traditional debit and credit methodology is used by the underwriter in determining the overall rating of an insured, resulting in either standard or substandard. Of course, this is an approximation due to the fact that few impairments cause a uniform percentage increase in mortality. Results using the standard debit and credit method produce reasonable and quantifiable results; however, for conditions such as many forms of cancer, the debit and credit methodology does not generate reliable results. This is mainly due to the fact that the impaired mortality curve is significantly different than the standard curve used in the absence of these impairments. Companies that provide LE reports employ different approaches in order to calculate these impairments. Some utilize the debit and credit approach, others apply extra deaths for a limited time span, and still others will use a combination of the two and apply them to the actuarial calculations. For a policy with a high impairment and a short life expectancy, clinical judgment may supersede the actuarial calculation. Life expectancy calculations utilize the underwriting assessment in tandem with the appropriate mortality table; however each life expectancy provider uses its own proprietary mortality tables based on sex, smoker or non-smoker status, impairment and preferred class. The general understanding is that most life expectancy providers use the 2001 VBT (Valuation Basic Table), but it seems that most use a heavily modified version of the 2001 VBT or their own table altogether. Individuals with medical conditions such as Alzheimer's disease, congestive heart failure and other serious ailments would most likely be declined for a life insurance policy. However, for the purposes of a life settlement, it is possible to estimate the life expectancy of an insured with these medical ailments. For insureds with serious medical conditions, life expectancy assessments often take into account factors that contribute to healthy aging, such as regular physical exercise, social activities, the mental attitude of the insured, and his or her commitment to living a healthy lifestyle. Access to care givers and a support network, are also variables that are taken into consideration. All of these factors can sometimes add a level of complexity to the underwriting process that will affect the final mortality calculation DIFFERENCES IN UNDERWRITING REQUIREMENTS - When submitting an application for a large life insurance policy on an older individual the application needs to be accompanied by medical data as outlined in the insurance company's requirement guidelines. This medical data would usually include a physical examination, blood profile, EKG and an Attending Physician's Statement (APS). Many insurance companies also require functional assessments of an applicant, which include ability to carry out the activities of daily living. Often, financial underwriting is a part of this assessment of insurability. By contrast, life settlement underwriting is based on existing medical data and rarely requires any medical examination, EKGs or blood work. A life settlement application should be accompanied by HIPAA and release of medical information forms. The application is then followed by Attending Physician's Statements ordered from selected physicians by the company transacting the life settlement, usually a broker or provider. This information is then forwarded to the company or companies providing life expectancy reports on the insured. After review of the attending physician's statements and medical history, a life expectancy provider will provide a detailed LE report on the insured. Based on the information in the LE report and the profile of the life insurance policy, an institutional investor will prepare an offer on the policy. Occasionally, the company or companies providing the life expectancy report will indicate that additional information from an attending physician may give them further insight into the insured's life expectancy, which would possibly affect the offers from institutional investors. In such a case, the life settlement broker or provider will order additional information from the appropriate physician(s). In cases where the insured has not seen a physician in two or three years, which would seemingly be a good thing, indicating that the individual is not suffering from any chronic ailments, the company providing a life expectancy report is afforded little current data on which it can effectively base a life expectancy assessment. The principal difference in underwriting for life insurance and life settlements is that in traditional underwriting as low a mortality rating as possible on any medically impaired risk would be preferred in order to obtain a lower cost of insurance. By contrast, for life settlements a higher impairment rating would result in a shorter life expectancy. Thus, the insured would receive a larger settlement for his or her policy. SELLER BEWARE - With life settlements growing at an astounding rate, there are more and more companies seeking to enter this market. Many states have some form of regulation regarding life settlements, while others are unregulated or pending regulation. Some life settlements, such as those on a variable policy, are considered securities transactions. With all of these different regulatory variables, it is important for insurance and financial professionals to make sure they work with a reputable company to facilitate a life settlement. When considering which life settlement company to work with, most of us look for the obvious: to wit, a company that will facilitate and expedite the policy with professionalism as well as acquire competitive bids from a number of institutional investors. However, perhaps of even greater importance to the professional, is a company that has an infrastructure that enables the record keeping necessary to fulfill regulatory standards, as well as a compliance department that will keep abreast with changing regulatory requirements and reporting. Most importantly, the company should hold the applicable licenses in the states were it conducts life settlement transactions. Not surprisingly, these various attributes and characteristics tend to coincide with each other. A reputable company will hold all of the applicable licenses needed, or will refrain from activities in states in which it is not licensed. If they have the proper reporting and record keeping capabilities, this is usually overseen by a compliance department that is also responsible for licensing and regulation. Organizations such as these generally have built an infrastructure that has the manpower to process settlements with fastidious precision. Processing large numbers of settlements according to a high standard will give a company a preferred status and leverage with institutional investors, which might even result in higher offers on a given policy. Be sure to ask the life settlement company if it is licensed and in what states. If they do settlements for variables, ask if these are cleared through a broker dealer and what their relationship to that broker- dealer is. Use the Internet and other tools to research the company you plan on using for a life settlement. The issues may seem trivial today, but fast-forward three years after a life settlement with an unlicensed company that has fallen off the face of the planet and guess who's left holding the bag.
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      "author": "houmayo",
      "body": "Life settlements are fast growing into a staple of the insurance and financial planning world. Most financial professionals have heard of life settlements, which is the sale of a life insurance policy of a senior (age 65 and over) for a lump sum which is greater than the policy's cash surrender value but less than its death benefit. Policies which are viable for a life settlement are generally those beyond the contestability period wherein the insured has a life expectancy of between 2 and 15 years. Today life settlements are dominated by institutional funders and pension funds.\n\nDespite the continued growth in the life settlements market, the number of insurance or financial professionals that have actually completed a life settlement is surprisingly low. This can be attributed mainly to a lack of in-depth knowledge of life settlements on the part of these professionals. Considering that life settlements are a relatively new option for policy owners, many financial professionals, although having heard of life settlements, have still not had the opportunity to delve into the subject on a deeper level.\n\nMany policy holders come to a juncture wherein they continue to pay life insurance premiums on an unwanted policy in hopes of a gain at maturation, or to recoup some of the investment by trading the policy for its cash surrender value. Corporate policyholders often face additional dilemmas when dealing with departing executives with key-man or split-dollar policies, or insurance purchased as part of a buy-sell agreement.\n\nWith a life settlement, the policyholder realizes an amount much greater than the cash surrender value in exchange for the policy's ownership. Term life insurance policies are also applicable when converted into permanent insurance. Life settlement transactions involving key-man or buy-sell policies can provide businesses with increased cash flow to solve immediate financial problems, while transactions concerning split-dollar policies typically involve retirement planning and charitable giving issues.\n\nIn short, life settlements offer policyholders of all kinds an array of options previously unavailable to them.\n\nIn a recent advisor survey, nearly half of the respondents had clients who had surrendered a life insurance policy, many of whom might have qualified for a life settlement transaction and subsequent lump sum cash payment.\n\nIn this article I will discuss in depth the underwriting process related to life settlements, which is of paramount importance in the process, just as it is in life insurance itself, although there is a great deal of difference in the process for each respectively.\n\nSettlement amounts are determined by a multitude of factors that arrive at a Net Present Value, which is the present value of future benefits from the death benefit minus the present value of future payments associated with sustaining the policy until maturation. These expenses include premium payments, cost of capital and administrative costs. This calculation enables the purchaser to factor in the desired profit from the investment and propose an offer to the seller of the policy. Due to the fact that the investor will be sustaining the policy premiums until maturation, the life expectancy of the insured becomes critical in assessing the value or sale price of the policy. If the assessment of an insured's life expectancy is too short, the purchaser will have paid too much and risks a financial loss. By contrast, should the assessment of an insured's life expectancy be longer than his or her actual life span, the offer to the seller would have been less than it could have been, thus resulting in an undervalued sale for the policy owner. Institutional investors in life settlements generally obtain life expectancy reports from two or more independent LE (life expectancy) providers. Many of the larger institutions investing in life settlements have proprietary underwriting personnel on staff. LE reports can vary significantly based on interpretations, medical data on the insured, and/or the actuarial tables used.\n\nDIFFERENCES IN UNDERWRITING METHODOLOGY - Companies which provide LE reports use actuarial and medical experts who apply probability theory, actuarial methodology and medical analysis in calculating the probable mortality of an insured. Many LE providers employ the services of experienced life insurance underwriters who work in tandem with the actuarial and medical experts. There are a number of companies which provide LE reports. Among those most commonly accepted by institutional investors are: AVS, Fasano, 21st Services, ISC Services and EMSI. These companies specialize in underwriting the senior segment (insureds above the age of 65) and have developed specified methods, underwriting manuals, and mortality tables. The insurance industry customarily employs Reinsurance underwriting manuals as the basis of its ratings for insurability. However, Reinsurance manuals are gauged primarily for insurance applicants up to the age of 65 with insurable impairments up to 500%. These standards reflect the traditional demographic for life insurance. Conversely, life settlement underwriting is geared toward those above the age of 65 and can have impairment ratings much higher than 500%.\n\nIn order to cater to this market segment, adaptations were made to these underwriting manuals based on extensive research of current senior mortality data and scrutinized against recent medical advances and the treatment of diseases or disorders often associated with the elderly. In addition to this, companies that provide LE reports also draw from, and factor in, proprietary data accumulated from previous assessments. Generally, a traditional debit and credit methodology is used by the underwriter in determining the overall rating of an insured, resulting in either standard or substandard. Of course, this is an approximation due to the fact that few impairments cause a uniform percentage increase in mortality. Results using the standard debit and credit method produce reasonable and quantifiable results; however, for conditions such as many forms of cancer, the debit and credit methodology does not generate reliable results. This is mainly due to the fact that the impaired mortality curve is significantly different than the standard curve used in the absence of these impairments. Companies that provide LE reports employ different approaches in order to calculate these impairments. Some utilize the debit and credit approach, others apply extra deaths for a limited time span, and still others will use a combination of the two and apply them to the actuarial calculations. For a policy with a high impairment and a short life expectancy, clinical judgment may supersede the actuarial calculation. Life expectancy calculations utilize the underwriting assessment in tandem with the appropriate mortality table; however each life expectancy provider uses its own proprietary mortality tables based on sex, smoker or non-smoker status, impairment and preferred class. The general understanding is that most life expectancy providers use the 2001 VBT (Valuation Basic Table), but it seems that most use a heavily modified version of the 2001 VBT or their own table altogether.\n\nIndividuals with medical conditions such as Alzheimer's disease, congestive heart failure and other serious ailments would most likely be declined for a life insurance policy. However, for the purposes of a life settlement, it is possible to estimate the life expectancy of an insured with these medical ailments. For insureds with serious medical conditions, life expectancy assessments often take into account factors that contribute to healthy aging, such as regular physical exercise, social activities, the mental attitude of the insured, and his or her commitment to living a healthy lifestyle. Access to care givers and a support network, are also variables that are taken into consideration. All of these factors can sometimes add a level of complexity to the underwriting process that will affect the final mortality calculation\n\nDIFFERENCES IN UNDERWRITING REQUIREMENTS - When submitting an application for a large life insurance policy on an older individual the application needs to be accompanied by medical data as outlined in the insurance company's requirement guidelines. This medical data would usually include a physical examination, blood profile, EKG and an Attending Physician's Statement (APS). Many insurance companies also require functional assessments of an applicant, which include ability to carry out the activities of daily living. Often, financial underwriting is a part of this assessment of insurability. By contrast, life settlement underwriting is based on existing medical data and rarely requires any medical examination, EKGs or blood work. A life settlement application should be accompanied by HIPAA and release of medical information forms. The application is then followed by Attending Physician's Statements ordered from selected physicians by the company transacting the life settlement, usually a broker or provider. This information is then forwarded to the company or companies providing life expectancy reports on the insured. After review of the attending physician's statements and medical history, a life expectancy provider will provide a detailed LE report on the insured. Based on the information in the LE report and the profile of the life insurance policy, an institutional investor will prepare an offer on the policy. Occasionally, the company or companies providing the life expectancy report will indicate that additional information from an attending physician may give them further insight into the insured's life expectancy, which would possibly affect the offers from institutional investors. In such a case, the life settlement broker or provider will order additional information from the appropriate physician(s). In cases where the insured has not seen a physician in two or three years, which would seemingly be a good thing, indicating that the individual is not suffering from any chronic ailments, the company providing a life expectancy report is afforded little current data on which it can effectively base a life expectancy assessment.\n\nThe principal difference in underwriting for life insurance and life settlements is that in traditional underwriting as low a mortality rating as possible on any medically impaired risk would be preferred in order to obtain a lower cost of insurance. By contrast, for life settlements a higher impairment rating would result in a shorter life expectancy. Thus, the insured would receive a larger settlement for his or her policy.\n\nSELLER BEWARE - With life settlements growing at an astounding rate, there are more and more companies seeking to enter this market. Many states have some form of regulation regarding life settlements, while others are unregulated or pending regulation. Some life settlements, such as those on a variable policy, are considered securities transactions. With all of these different regulatory variables, it is important for insurance and financial professionals to make sure they work with a reputable company to facilitate a life settlement. When considering which life settlement company to work with, most of us look for the obvious: to wit, a company that will facilitate and expedite the policy with professionalism as well as acquire competitive bids from a number of institutional investors. However, perhaps of even greater importance to the professional, is a company that has an infrastructure that enables the record keeping necessary to fulfill regulatory standards, as well as a compliance department that will keep abreast with changing regulatory requirements and reporting. Most importantly, the company should hold the applicable licenses in the states were it conducts life settlement transactions.\n\nNot surprisingly, these various attributes and characteristics tend to coincide with each other. A reputable company will hold all of the applicable licenses needed, or will refrain from activities in states in which it is not licensed. If they have the proper reporting and record keeping capabilities, this is usually overseen by a compliance department that is also responsible for licensing and regulation. Organizations such as these generally have built an infrastructure that has the manpower to process settlements with fastidious precision. Processing large numbers of settlements according to a high standard will give a company a preferred status and leverage with institutional investors, which might even result in higher offers on a given policy.\n\nBe sure to ask the life settlement company if it is licensed and in what states. If they do settlements for variables, ask if these are cleared through a broker dealer and what their relationship to that broker- dealer is. Use the Internet and other tools to research the company you plan on using for a life settlement. The issues may seem trivial today, but fast-forward three years after a life settlement with an unlicensed company that has fallen off the face of the planet and guess who's left holding the bag.",
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2018/07/04 05:41:09
authortomask-de
bodyNice read. I leave an upvote for this article *thumbsup*
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permlinkre-houmayo-za-gl-is-the-best-url-shortener-for-earn-money-20180704t054108331z
titlefossbot voter comment
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2018/07/04 05:41:00
authorhoumayo
permlinkza-gl-is-the-best-url-shortener-for-earn-money
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2018/07/04 05:28:00
authorhoumayo
permlinkre-cheetah-cheetah-re-houmayoza-gl-is-the-best-url-shortener-for-earn-money-20180704t052725617z
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2018/07/04 05:27:33
authorhoumayo
bodythanks
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permlinkre-cheetah-cheetah-re-houmayoza-gl-is-the-best-url-shortener-for-earn-money-20180704t052725617z
title
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2018/07/04 05:27:21
authorcheetah
permlinkcheetah-re-houmayoza-gl-is-the-best-url-shortener-for-earn-money
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2018/07/04 05:19:24
authorbiblegateway
body# # upvote for me please? https://steemit.com/news/@bible.com/2sysip #
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permlinkre-houmayo-za-gl-is-the-best-url-shortener-for-earn-money-20180704t051922102z
title
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2018/07/04 05:19:09
authorhoumayo
permlinkza-gl-is-the-best-url-shortener-for-earn-money
voterhoumayo
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2018/07/04 05:19:09
authorcheetah
bodyHi! I am a robot. I just upvoted you! I found similar content that readers might be interested in: https://hashsecure.blogspot.com/2018/02/zagl-url-shortener.html
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2018/07/04 05:18:57
authorhoumayo
permlinkza-gl-is-the-best-url-shortener-for-earn-money
votercheetah
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2018/07/04 05:18:45
authorhoumayo
permlinkza-gl-is-the-best-url-shortener-for-earn-money
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2018/07/04 05:18:36
authorhoumayo
bodyWould you like to earn money with URL shortening?Yes, Today I am talking to you how to earn money with URL shortening .!URL shortener is the best way to earn money on the internet. Short URLs are good for a number of reasons. Long URLs in the reading make it difficult for readers to send, so they can break the links if they fail to match up properly. While most email clients can now handle smoothly, mobile and mobile media websites, especially Twitter, have 140 characters, and the popularity and popularity of the URL have been increased Many URL shorts now available on the internet, today I introduce you the highest paid URL shortener, http://za.gl/9Ff1oIlS signup http://za.gl/9Ff1oIlS ![maxresdefault (1).jpg](https://cdn.steemitimages.com/DQma1wknrTceBS4iFAVGEjBdqRgxMd2KaXYBq7WPMVYST4v/maxresdefault%20(1).jpg) What is za.gl? ![za.gl - Short your long links and get paid! Earn money for every visitor of your links..png](https://cdn.steemitimages.com/DQmcNNHDHXjFsYbsr5NfhjxZsncYt4DkhrLXfmaso1U8Mu2/za.gl%20-%20Short%20your%20long%20links%20and%20get%20paid!%20Earn%20money%20for%20every%20visitor%20of%20your%20links..png) Za.gl is The new link shortener network with good CPM charges, Za.gl gives a chance to All users, who earn money online by shrinking and sharing URL links online. Using Za.gl is very easy to earn, select any long URL link and shorten it by Za.gl, then Share online anywhere. If any person clicks on your za.gl short link, you will get a certain amount. Za.gl gives to good features for its publishers. also read : Convert And Save Itunes Saved Songs In Windows ( M4P to MP3) Threshold limit multiple payment options good customer support high referral commission Paint Payment Option Excellent Tools also read : Top 12 Free Music Download Apps For Android Currently Za.gl provides attractive payouts to all customers, up to $ 100 for 10000 visits. If you use PayPal as your payment option to withdraw your revenue, the minimum withdrawal limit is $ 2, If you use bitcoin it will be $ 5. Za.gl offers a very high referral commission publishers, To refer other publishers, za.gl provides now 50% Referral Commission to publishers, which is very much when compared to all other URL shorts. CLICK HERE TO REGISTER ....https://bit.ly/2lRBZMY
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parent author
parent permlinkearn
permlinkza-gl-is-the-best-url-shortener-for-earn-money
titleZa.gl is the best URL Shortener For earn Money
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      "body": "Would you like to earn money with URL shortening?Yes, Today I am talking to you how to earn money with URL shortening .!URL shortener is the best way to earn money on the internet. Short URLs are good for a number of reasons. Long URLs in the reading make it difficult for readers to send, so they can break the links if they fail to match up properly. While most email clients can now handle smoothly, mobile and mobile media websites, especially Twitter, have 140 characters, and the popularity and popularity of the URL have been increased Many URL shorts now available on the internet, today I introduce you the highest paid URL shortener, http://za.gl/9Ff1oIlS signup http://za.gl/9Ff1oIlS\n\n![maxresdefault (1).jpg](https://cdn.steemitimages.com/DQma1wknrTceBS4iFAVGEjBdqRgxMd2KaXYBq7WPMVYST4v/maxresdefault%20(1).jpg)\n\n What is za.gl? \n![za.gl - Short your long links and get paid! Earn money for every visitor of your links..png](https://cdn.steemitimages.com/DQmcNNHDHXjFsYbsr5NfhjxZsncYt4DkhrLXfmaso1U8Mu2/za.gl%20-%20Short%20your%20long%20links%20and%20get%20paid!%20Earn%20money%20for%20every%20visitor%20of%20your%20links..png)\n\n Za.gl is The new link shortener network with good CPM charges, Za.gl gives a chance to All users, who earn money online by shrinking and sharing URL links online. Using Za.gl is very easy to earn, select any long URL link and shorten it by Za.gl, then Share online anywhere. If any person clicks on your za.gl short link, you will get a certain amount. Za.gl gives to good features for its publishers.\n\nalso read : Convert And Save Itunes Saved Songs In Windows ( M4P to MP3)\nThreshold limit\nmultiple payment options\ngood customer support\n high referral commission\n Paint Payment Option\nExcellent Tools\nalso read : Top 12 Free Music Download Apps For Android \n Currently Za.gl provides attractive payouts to all customers, up to $ 100 for 10000 visits. If you use PayPal as your payment option to withdraw your revenue, the minimum withdrawal limit is $ 2, If you use bitcoin it will be $ 5. Za.gl offers a very high referral commission publishers, To refer other publishers, za.gl provides now 50% Referral Commission to publishers, which is very much when compared to all other URL shorts. \n\nCLICK HERE TO REGISTER ....https://bit.ly/2lRBZMY",
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houmayoreceived 0.007 STEEM, 0.002 SBD, 0.011 SP author reward for @houmayo / should-you-invest-in-bitcoin
2018/07/01 07:15:39
authorhoumayo
permlinkshould-you-invest-in-bitcoin
sbd payout0.002 SBD
steem payout0.007 STEEM
vesting payout18.270108 VESTS
Transaction InfoBlock #23797730/Virtual Operation #5
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2018/06/26 04:55:42
authorhoumayo
permlinkre-yashshah991-let-s-get-started-20180625t041925867z
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2018/06/26 03:48:06
authorhoumayo
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2018/06/25 15:27:42
authorhoumayo
permlinkshould-you-invest-in-bitcoin
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2018/06/25 15:26:09
authorahasan07
bodyok...thanks
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permlinkre-houmayo-re-ahasan07-wall-street-s-entry-into-crypto-sector-will-bring-in-trillions-cardano-co-founder-20180625t152602299z
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2018/06/25 13:45:15
authorincredibleashish
bodyThanks I return the favor
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2018/06/25 05:39:42
authorarpansonkar
bodyBitcoin is future ...very soon everyone can c its price skyrocketing..!!!
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parent permlinkshould-you-invest-in-bitcoin
permlinkre-houmayo-should-you-invest-in-bitcoin-20180625t053939144z
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Transaction InfoBlock #23623081/Trx 3ffe069b1f0696a568d574d5e7862bec6c66ff60
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2018/06/25 05:38:42
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2018/06/25 05:31:18
authorkittocap
bodysure.. what type of contents you post ?
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permlinkre-houmayo-re-kittocap-i-am-new-here-please-welcome-me-20180625t053115721z
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2018/06/25 04:34:42
authoraliasgar
bodyDefinetly i invested... And will more invest in bitcoin and other crytos.....
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permlinkre-houmayo-should-you-invest-in-bitcoin-20180625t043438567z
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Transaction InfoBlock #23621781/Trx 8a1e1649624aebd24a067ffa4f147ea03425abaf
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2018/06/25 04:33:48
authorhoumayo
permlinkshould-you-invest-in-bitcoin
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2018/06/25 04:19:27
authorhoumayo
bodyohhhhhhhhh internetive hobby
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permlinkre-yashshah991-let-s-get-started-20180625t041925867z
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Transaction InfoBlock #23621476/Trx 601df61f1add7896fa8ecb09a7815544a560c570
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2018/06/25 04:18:51
authoryashshah991
permlinklet-s-get-started
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2018/06/25 04:17:15
authordamapa
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2018/06/25 04:17:09
idfollow
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2018/06/25 04:17:03
authoryashshah991
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2018/06/25 04:17:00
authorkittocap
permlinkre-houmayo-should-you-invest-in-bitcoin-20180624t163021706z
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2018/06/25 04:16:57
authorsteemitboard
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2018/06/25 04:16:30
idfollow
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2018/06/25 04:16:18
idfollow
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2018/06/25 04:14:33
authordamapa
bodyDone
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permlinkre-houmayo-should-you-invest-in-bitcoin-20180625t041428688z
title
Transaction InfoBlock #23621378/Trx b198f813ddbb5bd3a908ebee650aa6d253c9d07f
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2018/06/25 04:14:21
authorhoumayo
permlinkshould-you-invest-in-bitcoin
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2018/06/25 04:13:33
authorhoumayo
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2018/06/25 04:12:36
authoraliasgar
bodyIts my passion to make this type of meme's... Do you really like it.?
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permlinkre-houmayo-re-aliasgar-everyone-s-most-funny-moment-20180625t041232830z
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Transaction InfoBlock #23621339/Trx 552355a2af78d4b6648e79045e16abefae3753fa
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2018/06/25 04:11:42
authorhoumayo
permlinkre-aliasgar-everyone-s-most-funny-moment-20180625t041024494z
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Transaction InfoBlock #23621321/Trx d8dfa99fe36dc55a2343b6a4e92687ac97da0176
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2018/06/25 04:11:39
authoryashshah991
bodySo bitcoin would rise up after falling such hard??
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permlinkre-houmayo-should-you-invest-in-bitcoin-20180625t041137666z
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2018/06/25 04:11:15
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2018/06/25 04:10:30
idfollow
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2018/06/25 04:10:24
authorhoumayo
bodyit's do funny
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2018/06/25 04:10:03
authoraliasgar
permlinkeveryone-s-most-funny-moment
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2018/06/25 04:09:06
authorhoumayo
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2018/06/25 04:08:30
authormostafezur
permlinkre-moneyguruu-earn-usd500-on-steemit-for-newbies-follow-some-steemit-tips-and-tricks-20180624t123219102z
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2018/06/25 04:08:15
authormoneyguruu
permlinkearn-usd500-on-steemit-for-newbies-follow-some-steemit-tips-and-tricks
voterhoumayo
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2018/06/25 04:02:27
authorhoumayo
bodynice info and i am done
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2018/06/25 04:02:24
authorsubhankar734
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voterhoumayo
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2018/06/25 04:02:12
idfollow
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2018/06/25 04:01:18
authorhoumayo
bodynice info and i am done
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Transaction InfoBlock #23621113/Trx b563e64d69ce3454739933ec6df421333cefd9b7
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2018/06/25 04:00:45
idfollow
json["follow",{"follower":"houmayo","following":"acho666","what":["blog"]}]
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Transaction InfoBlock #23621102/Trx 8fd5b4efbb7d245fea4e992897bccf09a1fc46aa
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Account Metadata

POSTING JSON METADATA
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JSON METADATA
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Auth Keys

Owner
Single Signature
Public Keys
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Active
Single Signature
Public Keys
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Posting
Single Signature
Public Keys
STM6Ws5zo9xyb8Y2DUj4jRQR72EUffrchgBG3qEFkJaoi69pJ3Dec1/1
Memo
STM89YUWsH1rRhJvKpCYtBY5bJtXVNsgVtAQXZnJJG31yaNq6JEzx
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Witness Votes

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[]