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      "body": "Congratulations @subodh65! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@subodh65/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@subodh65) and compare to others on the [Steem Ranking](http://steemitboard.com/ranking/index.php?name=subodh65)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemitboard/@steemitboard/steemitboard-witness-update-2019-05\"><img src=\"https://steemitimages.com/64x128/http://i.cubeupload.com/7CiQEO.png\"></a></td><td><a href=\"https://steemit.com/steemitboard/@steemitboard/steemitboard-witness-update-2019-05\">SteemitBoard - Witness Update</a></td></tr><tr><td><a href=\"https://steemit.com/steemmeetupaachen/@steemitboard/steemitboard-to-support-the-german-speaking-community-meetups\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmeoNp9iCaCfd2D6TqnWa3Aky2mU4Fm3xaSmjTM91YoNBS/image.png\"></a></td><td><a href=\"https://steemit.com/steemmeetupaachen/@steemitboard/steemitboard-to-support-the-german-speaking-community-meetups\">SteemitBoard to support the german speaking community meetups</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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      "body": "This is a very good article. I have been using NEXO since December of 2018 and I am very pleased with the results. Their  website is professional and user friendly. And not mentioned in this article is now you can store stable coins with them and receive up to 6.5 % interest. Which is a lot more than any bank offers!",
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      "author": "subodh65",
      "permlink": "invest-in-nexo-before-its-too-late",
      "title": "Invest In Nexo Before  Its too Late",
      "body": "A lot of ICO have promised us with so much of hype that we just have been investing based on their words and something that been written on a piece of paper (digital whitepaper). We have seen so many projects raise millions of dollars yet not delivering anything of value except the hype that comes around like a wind and blows away. Also, many of these projects have a business model that may be obsolete in few years time and there is no additional information on how these changes will be managed in the future.\n\nAmidst all these self-proclaimed great ICO with groundbreaking technology, there stands a project which silently raised around $53 million and delivered the product within a month from its ICO deadline. Yes, I am talking about a project called NEXO, that will be bringing crypto backed loan which has been the need for a few years now. One for the mass adoption of cryptocurrencies and other for using the crypto wealth in an easy way for most of us that have made a fortune out of it. It doesn't end here though. You get access to all your crypto funds and have the option to liquidate or take additional loan whenever required ( though your crypto should cover the additional loan amount). \n\n![1_a_Au4N244ejUyZV-2symzQ.jpeg](https://cdn.steemitimages.com/DQmNjRcXgqAuVP7FTSvrPw4BRtt1Hpd25LQfGGArEjYUGRD/1_a_Au4N244ejUyZV-2symzQ.jpeg)\nThe interest that you pay for the loan is 16% and it is fixed. No additional charges or hidden fees. And you can lower this rate if you pay for the loan with NEXO token. It is also first US-SEC approved security token that gives dividend based on the profit they make. 30% of the profit from the service is divided and paid to token holders every month based on the amount of NEXO token they hold in the NEXO wallet during the snapshot every month( the time for snapshot will be disclosed beforehand).\n\nThe opportunity that I see for NEXO here is that they are trying to grab the niche market of individuals that are always in need to buy the dips of cryptocurrencies and sometimes have no fund to buy them because all their investment is already locked up in some coin and they don't want to liquidate them. NEXO provides a platform where you can keep those coins that you bought as collateral and get loan equivalent to half the amount of your coins worth. You can later pay for your loan amount anytime and transfer your coins from NEXO to your own wallet or exchanges to make a trade. Although they currently support only bitcoin, ethereum, and NEXO token, they have plans to add other cryptocurrencies in the near future. \n![nexo-credit-card-1.jpg](https://cdn.steemitimages.com/DQmTAYiqxqPUyEZavcPYboUfeizUQnhWn1rTmd2RjjvKYw2/nexo-credit-card-1.jpg)\nCrypto market is currently sitting at around $330Billion market cap and is projected to surpass $1trilion in 2019. This is a huge market and NEXO is doing the right work of bridging a gap between fiat and crypto and bringing crypto to more mainstream adoption. The credit card they are planning to launch that are based on fiat but provide credit limit based on the cryptocurrency you hold on the platform is game-changing. You can now spend money whenever you want and don't have to sell your coins until you are comfortable selling it or it reaches your price target to sell( you have to keep in mind the limits and liquidation notices if your coin falls in price rapidly). The interest rate will be around 0.04% every day. So, you have to just pay the interest amount to the days you have used the money. For example, You took $5000 loan, and you then had a good profit from that amount in your investment after 10days and you plan to pay the loan. Now you have to pay 0.4% interest on that $5000 loan you took which will be around $20 for 10days. So basically you will be paying $20 for $5000 loan for 10 days. You don't have to pay any additional charges to cancel your loan nor you have to keep the loan running for a whole year. You can take and pay for it at your convenience at any time. The loans are instantly approved automatically and doesn't need any credit check. That's something even a bank will not do. They take additional charges if we payback early(at least in my country) and many banks will not give you a small amount of loans and microloans are very expensive in my country. It's easy to get $20k loan than getting a $1k loan. $20k loan will have an interest rate of around 12-14% whereas $1k will have a higher interest rate ranging from 18%-22%.\n![nexo.png](https://cdn.steemitimages.com/DQmUVdr4CTaC4gHkonGJSLPUjZXkhUsc9GoiKoQ75SrY2MU/nexo.png)\n\nNEXO is not only bringing crypto backed loan but also is starting a new kind of banking and financial service that will be worth Trillion of Dollars if they keep improving and innovating. SO buying NEXO at this price range of $0.2/NEXO is a no brainer. Acccumulate as much as you can now. This is bound to be one of the best project there is in cryptocurrency market and disrupt a very lucrative market with the help of a blockchain. They are 1000 times better than any other fintech I have seen and researched. This will be best for those countries where moving money in and out of the country is a nerve breaking task and usage of credit card is very limited. In my country, I am not allowed to make transactions in currency other than my native currency which is actually not accepted anywhere except my own country. WIth NEXO card and loans, it will be possible for people like me and many others to have better reach to global finance and utilize facilities enjoyed currently by limited amount of people.",
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      "title": "Why You Should Make Investment Before You Turn 30?",
      "body": "Investment is such a huge word for a lot of people. Not because it requires extensive research,but because people are afraid to take risk with their hard earned money. It is no doubt a very challenging task to make an investment. You have to go through all the options, evaluate among them and finally let your instinct and judgement make the decision on what you should be putting your money in. Also, who would take a risk when you can make 2–10%(Asian countries have higher interest rate on deposits compared to America and Europe)on interest given by your bank or financial institution, right?\n\nThis is completely wrong. Yes, it is necessary to keep a part of your income on savings so that you can use it later in case of emergencies or personal need. But it is not wise to keep a chunk of your money in Banks and wait for the interest to cash in, especially if you are an individual aged below 30 who has comparatively lesser responsibilities and better disposable income. Many might argue here that who would have a huge chunk of money to make an investment? If that’s your question, then you probably should reconsider your idea about investment. You don’t need a big amount to make an investment. You can start with low amount and gradually make additional investment if you think the investment is worth something.\n\nOn an average, it is not difficult for an individual aged 20–30 to make and investment of $50-$100 every month( I am talking about developed and developing countries here, underdeveloped countries have hard time even fulfilling their basic needs, let alone make an investment). If you consider that amount of investment for a year, you would be investing around $600-$1200 in a year. Since most of the investment will yield you around 20–30% on average every year, your investment will keep compounding and in next 10–20years, you would have made an amount you have never thought you can. Although you should understand that all investment are subject to market risk, so yeah you might end of making nothing. But if you make a good analysis and consult investment advisors, you ending up with zero is completely out of the question. Also if you are early adopter of a new assets class like cryptocurrencies, you might end of making 20 times your initial investment in a year time (Bitcoin moved from $900 in Jan 2017 to $20000 in Nov-Dec 2017). Also a $100 investment in bitcoin in 2009 will now be worth around $75million at current rate and almost $190million in its peak. Wow!!right? Many other cryptocurrencies like Verge ($xvg) gained around 1,581,942% in a single year. Isn’t that amazing? It is necessary to know that cryptocurrencies are very volatile and may result into huge drops and rise.\n\nAs an individual aged 26 myself, i think it is necessary for us to take a risk and make investment right now because once over 30, we will lack confidence(research has proven that once over 30, investment related confidence goes down by huge number), have more responsibilities, lose a lot of opportunity that we might have cash in on before. I have seen people spending 100’s of dollar monthly on club, partying, drinking, etc. I am not saying don’t enjoy your time here, i am saying cut down on your expenses on such activities which actually will give you more money to invest and sometime even save you from being addicted to drinking. Its all about your priority. You want to end up making what you make and always kick yourself later for not making a fortune when you could have, or you want to take a step today for financial freedom in later stages of your life? What you do now will result into what you make in future. A person buying Apple stocks in 1996 worth $1000 has now around $120000-$180000. There are countless other examples. Its not that you will make a gain in real time. It will take time and eventually you will end up with a good amount to last your future needs or finally leave that boring job of yours which you always wanted to.\n\nWe have so much opportunity now, new startups coming everyday, stock market, forex market, bonds, option trading, hedge fund, cryptocurrencies, tokenized assets(coming soon), etc. All you need is a will to take a risk in something you believe will be huge one day. Either you end of making a ton of money or your initial investment will be worth nothing. That’s a 50/50 chances and 50% chance is a huge odds in your favor. And since you are not investing all your money ( invest only what you can afford to lose and small % of your earning), the financial pressure on your investment will be very less. Its time you take action and unfreeze the amount you have in your banks and invest in productive sector as it is both better for you and your country’s economy. Banks will make bigger gain on your deposited amount and will give you tiny percent as an interest. Rather than taking minor amount of interest,just do what banks do for investment and move ahead of the herd and follow their investment techniques.\n\nLastly I would like to quote a sentence i hear a lot. “ If you are born poor that’s not your mistake, if you die being poor, that’s definitely your mistake”. I have always taken this as my motivation and have started investment since i was 19. It is never too late to make a decision and take a risk. I am ready for my financial freedom, are you?\n\nDisclaimer: All the above things i mentioned is definitely a financial advise.",
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      "title": "Blockchain Beyond Bitcoin and Cryptocurrencies.",
      "body": "Since I have been involved with cryptocurrencies for fair amount of time, i am going to talk about something that many people fail to understand. Everytime someone talks about blockchain (digital ledger where transactions made are recorded publicly or privately), the name “Bitcoin” comes into people’s mind. It is no doubt that blockchain was started from bitcoin, but over year it has moved on to become more advanced form of technology, which is not just limited to bitcoin or any other cryptocurrencies. The use of blockchain has become the hottest topic for every business and even individuals who want to be involved in this piece of tech. Initially it was the financial freedom that gave rise to bitcoin and later there came other projects that went beyond being a digital currency and more into utility based coins. Ethereum, Stratis, NEO, Ontology, Ardor, etc are some of the example of projects that went beyond being just a currency and more of a platform where other Decentralized applications(Dapps) could be created.\n![blockchain_mini.jpg](https://cdn.steemitimages.com/DQmUjCEZqgvtLQ42rcQKXk9eEeiZd3HDRKiet6X5o92z4DQ/blockchain_mini.jpg)\n\nNow lets get into the topic and talk about something beyond what all these projects are doing and how a blockchain can facilitate in solving a lot of problems faced by businesses and individual in day to day activity. As a person who lived in a less developed country and seen a lot of problem, i am confident that many of these problem can be solved with the help of a blockchain. Many project are already working on making this world a better place with the help of a blockchain, by using it in supply chain management, product authentication, personal security, business process redesign, social networking, identity verification, cloud computing, assets tokenization, banking, etc. All this has helped in understanding the benefit that blockchain brings to businesses. On the other hand,many less developed countries face the problem of corruption, counterfeit product,financially untapped markets, election irregularities, high cost of procurement, energy leakage and countless other issues that has been hard to control. Blockchain can be the light in the shadow for these countries. They can have better reach to financial freedom, get what they paid for, be more informed about their tasks, get better communication facility, avoid energy leakage, and many more. Blockchain can actually help people in these countries to get those facilities which they are deprived of currently, in a more co-ordinated way with transparency and legitimacy.\n\nMany project are already working on these issues. Humaniq is one such project that is trying to bring 2 Billion+ unbanked people into mobile banking in blockchain. Wepower has been working currently on Australian energy sector and plans on expanding. Encryptotel plans on using blockchain for VOIP and telecommunication.There are many other project that has understood that actual wealth lies in giving people what they don’t have, rather than giving them something different from what is already in existence. Business success lies in these less developed,untapped markets, which has huge potential to grow and where people are more interested to get included. I think now is the time to shift focus from developing the developed to developing the less developed, so that more people are included in this new revolution of finance and technology.\n\nThanks for reading this and i would be more than happy if you provide some feedback about the article and also suggest me what next should i talk about in coming days.",
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      "body": "You have a minor misspelling in the following sentence: <blockquote>We see alot of speculation happening around prices of cryptocurrency as well as many other projects.</blockquote> It should be <i>a lot of</i> instead of <i>alot of</i>.",
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      "title": "The upcoming crypto atmosphere",
      "body": "We see alot of speculation happening around prices of cryptocurrency as well as many other projects. There is no doubt that many of the project will change the current landscape for sure,though not limited to financial sector only. There are many other utility tokens, that have various usage ranging from supply chain, artificial intelligence, gaming industry, infrastructure development, alternative energy and many more. Many people i see today are attracted towards crypto( referring as crypto as there are currency, tokens, shares, etc) only with the sole reason of making a quick buck and moving on. But i would advise you to understand the technology, work on it, make blockchain applications that can change the world once and for all. Yes, monetary gains are of utmost importance because many of us are here to make our life better through crypto,but it wouldn't be better if you don't use it or make other people informed about it. We are in a verge of massive changes and breakthrough with blockchain, be a part of it, not only by investing in every shitty ICO that comes up with so much promises, but by understanding what is attainable for now, which project is necessary and how fast can it achieve the target. Cause everyday a new technology will emerge and may replace the project you had high hopes on. So be realistic with your investment. Try finding project with actual usage than the expected usage in future. This way you are more safer with your investment. We are going to make huge returns. Just have patience. Don't see a small picture. Broaden your mind and think beyond the picture displayed in your eyes. You will find a reason to research and bring out more into the community than just the speculation that we have constantly been dealing with. Also don't forget to diversify your investment into other assests class. Never put all eggs in a single basket.\n\nYou will be hearing more from me in coming days. Also excuse me for my English as i am not a native english speaker and i might have a hell lot of grammatical errors. Goodluck with the investment",
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      "body": "If you missed Monero opportunity in its early stage, then not to worry.  Buy Verge now while it's cheap, it will go up in price!",
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      "body": "You can point where my technical review misses in the research, and I will definitely revisit the subject in a future review. Also, I see no problem in change my personal opinion if there are proves that I'm wrong on my review.",
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      "body": "Totally a dickhead with lack of research. Guys like you bring same to the crypto space. Hope you realise soon what Verge possess that your small mind can't process. Peace",
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      "author": "steemitboard",
      "permlink": "steemitboard-notify-subodh65-20170601t135721000z",
      "title": "",
      "body": "Congratulations @subodh65! You have completed some achievement on Steemit and have been rewarded with new badge(s) :\n\n[![](https://steemitimages.com/70x80/http://steemitboard.com/notifications/firstcommented.png)](http://steemitboard.com/@subodh65) You got a First Reply\n\nClick on any badge to view your own Board of Honnor on SteemitBoard.\nFor more information about SteemitBoard, click [here](https://steemit.com/@steemitboard)\n\nIf you no longer want to receive notifications, reply to this comment with the word `STOP`\n\nIf you want to support the SteemitBoard project, your upvote for this notification is welcome!",
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      "body": "Makes total sense, hard to be taken seriously when mimicking the biggest troll crypto lol",
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      "body": "https://wagerr.com/ico  visit this link, maybe it will solve your doubt",
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      "title": "",
      "body": "The name had some bad history and they wanted themself to remain independent from the name of doge, as they were focussing on something different, So rebranding was a great idea",
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      "body": "Should have kept the name dogedarkcoin! Just curious, why the switch of names?",
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      "title": "Verge coin i.e XVG... A great coin with alot of potential.. Good time to buy",
      "body": "The verge coin which was previously known as dogedarkcoin has seen a promising rise in its value since past couple of weeks. The development is going very past and it is the only currency which is completely anonymous as the cryptocurrencies were supposed to be. Much better than Monero. XVG has been getting good support and there is no doubt that the investors are keen on this project and are investing huge sum of money on it. I, as an investor see alot of prospect in coming days and only place it will reach will be the top once it gets noticed more. WIth continuous rise in altcoin prices and investor looking for low cap coins that have potential, it is no doubt that it will be the first to be noticed. When you invest, you should look at the community and the community and developer of XVG are simply awesome. You can check about their technology in the following thread.\n\nhttps://bitcointalk.org/index.php?topic=1365894.0\nYou can get your hands on with xvg from bittrex.com, c-cex.com, cryptopia.co.nz.\n\nThis is an advice from an investor point of view, DO not make your investment depending on my source. DO you research. Thank you. \nYou can follow me on Twitter : https://twitter.com/subodh_poudel\n![xvg_splash.jpg](https://steemitimages.com/DQmeKT19GADqX3aeNofY4vsJPP1KaHz78KqCyvE2U5KAhvi/xvg_splash.jpg)",
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      "body": "Careful guys, this ICO seems to be uncapped seeing as how they did not release any fixed ratio for the investment. Please correct me if I am wrong.",
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      "permlink": "re-inity-re-subodh65-new-player-in-town-betting-in-the-blockchain-20170531t085348992z",
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      "body": "There is always a first mover advantage... look at the case with bitcoin.",
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      "author": "subodh65",
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      "title": "NEW Player in town... Betting in the Blockchain",
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