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      "body": "![](https://cdn.steemitimages.com/DQmQTXpFWRG7Dp2BPrmHyGY6TbmxCjgvMY7WFj7vM6n6bs8/image.png)Until this summer, Matt Berna had an unusual tradition: Every year, he moved to a new apartment. After doing this for 9 years, the 27-year-old inside sales professional decided enough was enough.\"Yeah, I’ve been moving since I was 18,\" says Matt, \"and I was getting sick of it. I’m really good at packing and moving, though. I’ve had lots of practice.\"Part of the reason Matt moved so frequently was that he enjoyed getting to know different areas of Milwaukee, Wisconsin. It also taught him which neighborhoods he’d want to live in on a more permanent basis.\"After working in the mortgage industry for three years, I became very aware of what a smart financial decision it is to buy a home,\" explains Matt. So, he began house hunting while living with a roommate and paying $525 each for rent.Because Matt owns a motorcycle, a house with a garage was a must. Unfortunately, the area he wanted was comprised of older homes – many without garages. And, he was unwilling to go above his price range.As a young first-time homebuyer with student loan debt, Matt didn’t want to overextend himself. He also didn’t have enough in his savings for a 20 percent down payment. So, when he finally found his four-bedroom home with a garage, and in his price range, he decided to apply for a low-down-payment loan. His goal was to put down five percent and use private mortgage insurance, which is required on conventional loans with less than a 20 percent down payment.Yet Matt was still a bit uncomfortable about using all of his savings for his down payment and closing costs. He had the money, but wondered what would happen if his bike or new home needed expensive repairs. Matt wanted to ensure that he still had a rainy-day fund just in case, so he researched down payment assistance programs.While there are different types of programs available, Matt took advantage of the Easy Close Advantage – Down Payment Assistance program offered through WHEDA (Wisconsin Housing and Economic Development Authority). In order to be eligible, buyers must be purchasing an owner-occupied home in Wisconsin and meet specific requirements, such as income levels, credit ratings and home-purchase price limits.Matt easily qualified for the program, and closed on his home in July 2018. His monthly mortgage payment is $1,292, which includes escrow and $59 for the down-payment-assistance loan.But what does a smart millennial do with a big four-bedroom house and a lot of former roommates? Yep. Even though Matt could afford the mortgage himself, he invited two of his buddies to live with him. Now, his roomies pay $550 each per month and Matt pays only $192 of the mortgage, so he’s saving money while building equity. As Matt confides, \"I see this house as a really good investment.\"And on top of that, he can finally get rid of his moving boxes!For more homebuyer resources, visit readynest.com. To find down payment assistance programs in your area, visit downpaymentresource.com/",
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      "body": "This week we saw a huge disturbance in the force cryptoland. During the 48 hours between midnight on Monday to midnight Wednesday crypto speculators saw perhaps the largest broadbase correction ever seen in that space.\n![](https://cdn.steemitimages.com/DQmWvArFtCBx2zgkMXmYUSqHggTdS2PAtfPDPkXbFZtef5m/image.png)\n\nIronically this correction occured within days after this New York Times article started making the rounds and this Bitcoin Rapper’s song went viral. Perhaps some of the old tell tale bubbles signs from history are in fact true...\n\nThe main culprits of the sell off were regulatory in nature, stemming from China and South Korea both taking hard stances at cracking down on crypto exchanges and trading.\n\nBut the icing on the cake was the news that BitConnect, a recent ICO company, was a fraud. BitConnect’s business model was to invite crypto speculators to deposit Bitcoin into their company which would then be lent to others a a very high interest rate (upwards of 40%) per month.\n\nIt was basically a loan shark pawn shop operating a classic Ponzi scheme that was successful only due to the general euphoria in cryptoland.\n\nAnd while BitConnect was one of the first such schemes to blow up, I can say with 100% certainty that it won’t be the last.\n\nThe volatility in crypto was incredible those few days. Social media was littered with talking heads from both bull and bear camps aggressively taking both sides of the debate.\n\nTears were cried, money was lost and blood was shed.\n\nThe Koreans seemed to take it harder than anyone else out there and the fact that cryptocurrencies both rise and fall in price seemed to be an unfathomable concept to them\n\nWhen the dust finally settled this morning, crypto addicts were greeted with this headline:\n\n\nSource: Bloomberg\n\nThe interesting thing to note was that during the 48 hour or so sell off, all the chat rooms I am in were by and large silent about what was happening. Either these chat room guys were too busy buying the f-ing dip (BTFD) or they were too shell shocked to say a thing after seeing their portfolios down 30-50% and trying to wrap their heads around the fact that this entire bubble might all go to zero.\n\nI’m guessing it was the latter.\n\nAt this point and given where we are in the maturity of the “asset class” (if you can even call it one) as more and more “civilians” open up accounts to start trading crypto I can say with 100% certainty that Bitcoin (and all crypto) will crash again.\n\nThe largest corrections we’ve seen in recent history have always come on the back of regulatory or security concerns whether it be governments “cracking down” on crypto usage or exchanges getting hacked, or in this case fraud happening.\n\nAs long as civilians keep piling in this regulatory scrutiny will only increase (you can’t have people losing their pensions over this) and more and more hack attacks will occur.\n\nIf you are long crypto the best thing to do is buckle up for a wild ride.\n\nCredits to Jay Kim, studied Business Administration & Technology at University of North Carolina at Chapel Hill (2001)for writing this post in Quora.com\n\nOriginal post link: https://www.quora.com/Will-Bitcoin-crash-again",
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      "body": "This week we saw a huge disturbance in the force cryptoland. During the 48 hours between midnight on Monday to midnight Wednesday crypto speculators saw perhaps the largest broadbase correction ever seen in that space.\n![](https://cdn.steemitimages.com/DQmWvArFtCBx2zgkMXmYUSqHggTdS2PAtfPDPkXbFZtef5m/image.png)\n\nIronically this correction occured within days after this New York Times article started making the rounds and this Bitcoin Rapper’s song went viral. Perhaps some of the old tell tale bubbles signs from history are in fact true...\n\nThe main culprits of the sell off were regulatory in nature, stemming from China and South Korea both taking hard stances at cracking down on crypto exchanges and trading.\n\nBut the icing on the cake was the news that BitConnect, a recent ICO company, was a fraud. BitConnect’s business model was to invite crypto speculators to deposit Bitcoin into their company which would then be lent to others a a very high interest rate (upwards of 40%) per month.\n\nIt was basically a loan shark pawn shop operating a classic Ponzi scheme that was successful only due to the general euphoria in cryptoland.\n\nAnd while BitConnect was one of the first such schemes to blow up, I can say with 100% certainty that it won’t be the last.\n\nThe volatility in crypto was incredible those few days. Social media was littered with talking heads from both bull and bear camps aggressively taking both sides of the debate.\n\nTears were cried, money was lost and blood was shed.\n\nThe Koreans seemed to take it harder than anyone else out there and the fact that cryptocurrencies both rise and fall in price seemed to be an unfathomable concept to them\n\nWhen the dust finally settled this morning, crypto addicts were greeted with this headline:\n\n\nSource: Bloomberg\n\nThe interesting thing to note was that during the 48 hour or so sell off, all the chat rooms I am in were by and large silent about what was happening. Either these chat room guys were too busy buying the f-ing dip (BTFD) or they were too shell shocked to say a thing after seeing their portfolios down 30-50% and trying to wrap their heads around the fact that this entire bubble might all go to zero.\n\nI’m guessing it was the latter.\n\nAt this point and given where we are in the maturity of the “asset class” (if you can even call it one) as more and more “civilians” open up accounts to start trading crypto I can say with 100% certainty that Bitcoin (and all crypto) will crash again.\n\nThe largest corrections we’ve seen in recent history have always come on the back of regulatory or security concerns whether it be governments “cracking down” on crypto usage or exchanges getting hacked, or in this case fraud happening.\n\nAs long as civilians keep piling in this regulatory scrutiny will only increase (you can’t have people losing their pensions over this) and more and more hack attacks will occur.\n\nIf you are long crypto the best thing to do is buckle up for a wild ride.\n\nCredits to Jay Kim, studied Business Administration & Technology at University of North Carolina at Chapel Hill (2001)for writing this post in Quora.com\n\nOriginal post link: https://www.quora.com/Will-Bitcoin-crash-again",
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      "body": "[Source](https://www.quora.com/Is-this-a-right-time-to-buy-Bitcoin)\n[Plagiarism](http://www.plagiarism.org/plagiarism-101/what-is-plagiarism/) is the copying & pasting of others work without giving credit to the original author or artist. Plagiarized posts are considered spam. \r\n\r\nSpam is discouraged by the community, and may result in action from the [cheetah bot](https://steemit.com/faq.html#What_is__cheetah).\r\n\r\n[More information and tips on sharing content.](https://steemcleaners.org/copy-paste-plagiarism/)\r\n\r\nIf you believe this comment is in error, please contact us in [#disputes on Discord](https://discord.gg/YR2Wy5A)",
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      "author": "steemcleaners",
      "body": "[Source](https://www.ccn.com/5-ways-get-free-bitcoins)\n[Plagiarism](http://www.plagiarism.org/plagiarism-101/what-is-plagiarism/) is the copying & pasting of others work without giving credit to the original author or artist. Plagiarized posts are considered spam. \r\n\r\nSpam is discouraged by the community, and may result in action from the [cheetah bot](https://steemit.com/faq.html#What_is__cheetah).\r\n\r\n[More information and tips on sharing content.](https://steemcleaners.org/copy-paste-plagiarism/)\r\n\r\nIf you believe this comment is in error, please contact us in [#disputes on Discord](https://discord.gg/YR2Wy5A)",
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      "body": "That it is not a pussycat. You can’t pet it like a dog. If it gets a chance, it will kill you without any regret. A friend of my grandfather killed a tigress in Sunderbans and brought its baby home to keep it as a pet. It was a prestige possession to him. Soon it grew bigger and started killing dogs. So, that gentleman had to lock it up in a cage. But the tiger was as cunning as any other big cat. It broke out of its cage one evening, killed his owner (his mother was avenged, if you are a fan of subcontinent movies by any chance) and fled. It took refuge in a nearby jungle and started living on domestic animals. So, the hunters of the village tried to kill it by setting up baits. But you don’t mess with a tiger if the only thing you ever hunted are birds and deer. Two other gentlemen got killed in this process and the tiger got to taste human flesh. Finding no other way, the villagers had to hire professional hunters to kill it.\n![](https://cdn.steemitimages.com/DQmTLTvRRUFTKaoGHYCyJog3jzQmpGjLfTtQSvNuyxPvpLN/image.png)\n\nFinally, one veteran hunter could kill the tiger. An innocent animal had to lose its life. It was all a single person’s fault. It is always better to let tigers live in their own habitat.\n\n\nIf you really want one like this at home, make sure to get proper training beforehand.",
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      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://www.quora.com/Is-this-a-right-time-to-buy-Bitcoin",
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      "author": "kiwi4",
      "body": "NOTE: This post is NOT Buy or Sell advise. Cryptocurrencies are very volatile, are subject to legal / regulatory risk and also carry a risk of permanent capital destruction.\n\nBitcoin went past $3000 as “segregated witness” or Segwit, the latest version of its open source code is days from locking in to the nodes on its blockchain on August 8th, 2017.\n\nSegwit aims to solve Bitcoin’s long standing scaling problem and serves as a positive fundamental trigger to its price. For stock investors, imagine capacity expansion without the capex. True to fashion, the market bought the rumor before the news and pushed the price above the last all time high of $3019 in June.\n\nThis move caught many technical analysts by surprise, as Bitcoin – honey badgerlike – continues to shrug off bad news and humiliate market oracles. I think what is most significant is that the long-term underlying bullish trend has been confirmed this week, which means the odds of a major Bitcoin “crash” have plummeted and a $5000 to $10,000 Bitcoin price is now in sight.\n\n\nSuprise! While the RSI and other momentum indicators suggested a correction the breakout in the simple moving average confirmed the direction of the trend.\n\nSo is it too late to enter? Bitcoin has no intrinsic value. The fair price is unknown. The market price is determined by demand and supply. It has gone up too much too fast. It’s in a bubble. All of this fear, uncertainty and doubt is legitimate but not in the ways one might think.\n\nBubble valuations (aka the Price has gone up too Fast!)\n\nEvery generation has a bubble. Tulips. Dotcom. Unicorns. Cryptocurrencies are the bubble of the coming generation. We are in very early stages of price discovery of a completely new asset class which is still dismissed by a majority of old street finance as a pyramid scheme or vaporware. Banks buy bitcoins only to pay off future ransomeware attacks. Hedge funds are only now beginning to show interest. Equity investors are still to enter. If it is a bubble, it is a bubble that is yet to grow until it floats regal and mountainlike before the thunderous pop.\n![](https://cdn.steemitimages.com/DQmS4PT3gGqifbFjnvzhfBWnS2jG6nUirWp8ihwnz6wbAtx/image.png)\n\n\n\nVinny Lingham\n✔\n@VinnyLingham\n On reflection, I was wrong to try to prevent a #Bitcoin bubble. Missed big gains, but getting back in. Bitcoin needs bubbles & busts to win!\n\n582\n8:38 PM - Aug 5, 2017\nTwitter Ads info and privacy\n236 people are talking about this\nSo has the price gone up too much? Bitcoin was in a bear market from 2014 to 2016 and the anchoring/recency bias makes us fear mean reversion.\n\nHere are Bitcoin’s historical returns since Satoshi Nakamoto wrote the famous white paper:\n\n2011: +1500%\n\n2012: +399%\n\n2013: +5400%\n\n2014: -43%\n\n2015: +37%\n\n2016: +130%\n\n2017: +220%\n\nNotice the trend? The trend is your friend and Bitcoin can be the long trade that changes your life.\n\nWhat are you buying when you buy Bitcoin?\n\nDon’t buy what you don’t understand. For the non tech savvy, the blockchain is not an easy concept to comprehend. Buying Bitcoins is roughly analogous to buying:\n![](https://cdn.steemitimages.com/DQmV2BtZt8wMPJy69zQeLHcdiqUxm3gjhQPwRTxDDtKTYCq/image.png)\nA share in protocol/infrastructure of the future de-centralized internet. Like buying CISCO shares in early years.\nA scarce asset. Like buying Diamond before De-Beers, because there is no central authority or control on price or inflation schedule.\nThe energy and time units that go into mining. Mining Bitcoins gets progressively difficult as Bitcoins grow scarcer (the supply being strictly capped at 21 million). It is expensive to set up a mining rig and involves large amounts of power consumption.\nBesides at just 21 million in total supply, with scope for no more to be created, Bitcoin is scarce![](https://cdn.steemitimages.com/DQmS4PT3gGqifbFjnvzhfBWnS2jG6nUirWp8ihwnz6wbAtx/image.png)",
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      "body": "i love this photo",
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      "author": "kiwi4",
      "body": "It is a photograph called “Starving Child and Vulture,” and it was taken by Kevin Carter in 1993.\n\n![](https://cdn.steemitimages.com/DQmbPGLS4cxssj4M9gJfjWmmRKuUgwhL9GZza9XULSCKiqz/image.png)\n\nKevin Carter was a member of a group called the Bang-Bang Club, a quartet of photographers who chronicled apartheid in South Africa. While he was in Ayod, a village in South Sudan, he came across a child who had collapsed on his way to a feeding center. A vulture can be seen standing behind him.\n\nHe took this photo which has become infamous because it seems as if the vulture is about to prey upon the child. A very powerful photo indeed.\n\nMany assume that after taking this photo, the photographer left the child to become food for this vulture as well as for other scavenging predators.\n\nHowever, Kevin scared the vulture away and the child continued on his way to the feeding center.\n\nPeople who saw this photo did not know this so they criticized Kevin for not coming into the child’s aid. This photo also sparked a debate on when photographers should intervene in situations such as this. Keep in mind that Kevin was told not to initiate any contact with any victims due to the possible spread of diseases.\n\nThe photo won a Pulitzer Prize, but sadly in July of 1994, Kevin Carter took his own life. It is no secret that the backlash he endured as well as the images that he had seen/photographed all took an impact on his mental health.",
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      "body": "I have been following quite a few of the Instagram pages on Photography and here are some of the most creative photos I have viewed!\n![](https://cdn.steemitimages.com/DQmNfPk6fH3747imRtEGk8ByXxp99gMuomiYgkd6pkBnsH5/image.png)",
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      "author": "kiwi4",
      "body": "For me, it’s this one now…\n\n![](https://cdn.steemitimages.com/DQmPkSsxTmoSQ1JEhg5jJ2dKkVLbUEzVVakYXWc5hzFicHk/image.png)\nThis is the most motivational and inspirational picture I’ve seen recently.\n\nIf you live on this planet, have access to the internet, and own a browsing device, chances are you’ve already seen picture by now. It invaded our Facebook newsfeeds a few days ago. It’s been featured on every major news website, science and tech website, and even on 9GAG which is dedicated to memes and entertainment.\n\nThis is the first ACTUAL picture of a blackhole in history.\n\nThe reasons why I find motivation in this picture can’t be numbered, but to name a few:\n\nIt was the result of a global effort, unprecedented collaboration, and insane ambition .\nEight telescopes from around the world all conspired together to form one enormous Earth-sized virtual telescope that would peek into the depths of our cosmos. It was conveniently named The Event Horizon Telescope, funded mainly by the National Science Foundation",
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      "body": "Great to have you with us kiwi4 awesome post with valuable information thanks we love to see that here at the Steemit Community thanks for taking time out of your busy schedule just to join us and sharing this great post kiwi4 great job because we encourage sharing so feel free to explore post and enjoy your new Steemit account kiwi4 your a Steemian now can't wait to see more of your awesome creativity kiwi4 once again welcome thanks enjoy",
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      "author": "cheetah",
      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://www.ccn.com/5-ways-get-free-bitcoins",
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