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WHEN THE LONG-AWAITED UPGRADE TURNED OUT TO BE A DOWNGRADE: SAMSUNG GALAXY M53 REVIEW

Samsung updated its M-series of mid-range smartphones earlier this year, and now we've got our hands on the Galaxy M53 to see if the word "updated" applies in this situation. Indeed, on the one hand, the device received a more advanced main camera with a resolution of 108 megapixels, but, on the other hand, the manufacturer simplified the rest of the image sensors. We also don't see anything wrong with the Dimensity 900's 5G processor, but the Snapdragon 778 found in its predecessor has better performance and looks better. So "updated" or "simplified"? Let's figure it out.

Characteristics

- Processor: MediaTek MT6877 Dimensity 900, 8 cores (2×2.4 GHz Cortex-A78, 6×2.0 GHz Cortex-A55), Mali-G68 MC4. - Memory: 6/128 GB, 8/128 GB, 8/256 GB. - Display: 6.7" Super AMOLED Plus, 120Hz, 1080x2408 pixels, 20/.07:9 aspect ratio, 394ppi. - Main camera: 108 MP (f/1.8, PDAF), 8 MP (f/2.2, 120˚), 2 MP (f/2.4), 2 MP (f/2.4). - Front camera: 32 MP (f / 2.2). - 5000mAh battery, 25W fast charging. - OS: Android 12, One UI 4.1. - Dimensions: 164.7 × 77 × 7.4 mm, 176 grams.

Contents of delivery

Another downgrade, and a very tangible one, is the box and its contents. The white cardboard box that the smartphone comes in is now only half the height, which immediately tells us that there is no charger inside. So it, in fact, is - inside there is only a smartphone, waste paper and a USB Type-C cable.

ation. Read More... https://techyadjectives.com/2022/07/01/when-the-long-awaited-upgrade-turned-out-to-be-a-downgrade-samsung-galaxy-m53-review/ Read the full article

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Cryptocurrency screeners, what is it, TOP of the best services in 2022

Cryptocurrency screener is a trader's assistant that allows you to make short-term and medium-term investments with minimal risk. The task of the tool is to display the volumes of large players, obtain information on densities to choose the right strategy. Tools are paid and free, can be used one by one or in combination. Below we will consider why such assistants are needed and highlight the best cryptocurrency screeners.

What is it

The cryptocurrency market is distinguished by strong volatility, which makes it difficult to control the situation and reduces the likelihood of choosing the right instrument. In order to respond to the situation in a timely manner and conduct profitable transactions, a screener of levels, densities, volumes or volatility of cryptocurrencies is used. It displays the information of interest and helps you quickly find investment options.

Purpose

The main task of the screener tool is to monitor the cryptocurrency market and provide the trader with signals about future changes and the possibility of buying a particular digital asset. With it, you can control different parameters in relation to cryptocurrencies: - volatility; - volume; - density and other characteristics. Most tools provide the ability to filter digital assets based on different metrics, time periods, and indicators. There is an option to set up information, save templates, etc. All this reduces the risks of the trader and allows you to trade using certain settings.

TOP best free and paid cryptocurrency screeners in 2022

With the growing demand for tools for the trader, more and more software offering such services appears. They may differ in functionality, cost, application features. Below are the best cryptocurrency screeners in 2022. Read More.. https://insurancevlog.in/cryptocurrency-screeners-what-is-it-top-of-the-best-services-in-2022/ Read the full article

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What is an NFT avatar, what is it for and how to get it

NFT avatar is a digital version of a photo created by a special algorithm or bought on one of the marketplaces. Community-driven, unique and individual, applied in the Metaverse. Below we will consider what are the features of NFT avatars, what they are used for, how to create them, and what is the reason for their popularity. Here are some examples of the best digital pictures for 2022.

What is an NFT Avatar

Recently, the NFT market has been actively developing, and the technology and the concept itself are in increasing demand. Unique tools in the form of Crypto Punks, Beeple and others are sold for tens of millions of dollars. The popularity has led to the emergence of NFT tokens and new projects that allow you to collect your own collections. To make a profit, you need to understand what NFT avatars are and what distinguishes them from other market tools. In simple terms, an NFT avatar is a portrait of a character created using a special algorithm. It may look like cartoon or pixel characters. It represents the upper part from the crown of the head to the shoulders and has the appearance of a portrait. The use of special technology allows you to create a unique hero, which differs in the following parameters: - facial features; - outerwear and footwear; - hairstyle; - accessories and more. NFT avatars can be people, creatures, or non-existent fantasy characters. The control function falls on the community, which has the right to develop new features and use the image within the metaverse. Given the demand, such pictures will be in demand for a long time, and a large selection is available to collectors for purchase. More... https://techyadjectives.com/2022/06/26/what-is-an-nft-avatar-what-is-it-for-and-how-to-get-it/ Read the full article

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The consequences of the introduction of the digital ruble, is it possible to steal it and circumvent sanctions

The introduction of the digital ruble in Russia is planned as early as 2022-2023, and the financial sector has great prospects for it. This concerns the simplification of calculations, the acceleration of transactions and other points. We talked in detail about the features, pros and cons of innovation in this material . Now let's dwell on the most exciting moments: the consequences of the introduction of the digital ruble, the risk of theft of funds (in more detail) and the likelihood of circumventing sanctions.

History of digital assets in the world

Plans to introduce a digital ruble in Russia appeared several years ago, but real action has been taking place over the past few months. At the moment, work is underway to test the tool, and in the near future it is planned to gradually introduce new money into the public sector. The authorities expect that people will switch from classical cryptocurrencies to controlled virtual money. The forecast is based on existing experience, because Russia is not the only country that has "digitized" the monetary unit. Before it, several countries passed this stage, which we will dwell on in more detail. Bahamas Read More.... https://techyadjectives.com/2022/06/21/the-consequences-of-the-introduction-of-the-digital-ruble-is-it-possible-to-steal-it-and-circumvent-sanctions/ Read the full article

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Review of the best cryptocurrency wallet tokens in 2022 by capitalization

Crypto wallet tokens are digital assets issued by software developers to attract new users and increase trust among existing users. Such coins provide access to discounts / bonuses, participation in management, staking and other opportunities. You can buy a token in a cryptocurrency wallet or on an exchange, and then hold it or sell it. Below we will consider what wallet cryptocurrencies are and their features. Here are the opportunities, pros and cons, the current exchange rate and capitalization. Separately, we will conclude which crypto wallet produces the best coin, and what to give preference to in 2022.

Purpose and purpose of crypto wallet tokens

With increasing competition, the creators of cryptocurrency wallets are forced to go to the trick and offer customers additional opportunities. One of them is the creation and opening of access to the internal cryptocurrency, which is credited after installing a wallet, purchasing or performing other steps. The purpose of creating such tokens is to increase interest in the crypto wallet and, accordingly, attract new users. There are additional opportunities for monetizing the project and its promotion on exchanges through its own digital assets. Depending on the type of cryptocurrency wallet and the stated goals, internal tokens can perform the following functions: - Read More... https://insurancevlog.in/review-of-the-best-cryptocurrency-wallet-tokens-in-2022-by-capitalization/ Read the full article

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Profitable cryptocurrencies for earning on masternodes

In connection with the fall in profits from the mining of digital assets , the popularity of making money on masternodes is growing. This type of activity allows not only to diversify the investment portfolio, but also to receive a stable income. However, the amount of profit differs in the blockchains of different virtual currencies, so the editors of techyadjectives.com have selected the best cryptocurrencies for making money on masternodes.

What is a masternode?

Masternode is a node in the blockchain that performs unique functions (for example, instant transactions, confidential money transfers). Unlike a regular node, a masternode must always be connected to the blockchain , as the functioning of the network depends on it. The masternode plays an important role in the virtual currency blockchain, therefore , an additional remuneration is provided for its work , which is paid by the management of the startup creator of the cryptocurrency . Read More... https://techyadjectives.com/2022/06/16/profitable-cryptocurrencies-for-earning-on-masternodes/ Read the full article

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What is the NFT platform Zoop from the creator of OnlyFans

The Zoop platform is a project of Tim Stokely, who is the owner of the OnlyFans project. This is an NFT project to collect and trade celebrity digital cards. After earning over $1 billion from his former business, Tim and his friend RJ Phillips decided to invest in NFT and WEB3. Below we will consider what are the features of the Zoop project when it appears, and what development steps are planned in the near future.

What it is

Zoop is a decentralized NFT trading card project powered by the Polygon blockchain technology. Designed for trading individual digital cards of famous people. The platform is open to celebrity fans regardless of their level of knowledge or tech savvy. To trade cards, the owner issues licenses from the stars through large media companies, which guarantees the legality of transactions. Read More.... https://insurancevlog.in/what-is-the-nft-platform-zoop-from-the-creator-of-onlyfans/ Read the full article

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The biggest thefts in the field of cryptocurrencies until 2022

Since 2011, there have been about 250 cases of theft of digital assets worth more than $12 billion on the Web. Every year, this "piggy bank" is replenished with new cases, which makes the owners of exchanges, wallets, investment companies and other services approach the protection of capital with greater responsibility. Hacks themselves are carried out both through the fault of the owners themselves, and because of weak protection. Below we will consider the largest thefts related to crypto-currencies for all this time, we will highlight their features and reasons.

year 2013

The biggest thefts of cryptocurrencies began in 2013, when the wallets of users and exchanges were not sufficiently protected. Consider the main events of this period. Mt Gox - $390 million The victim of one of the largest fraudulent schemes was the company Mt.Gox, which at that time carried out about 70% of all operations with BTC. At some point, almost 400 million worth of Bitcoin disappeared from customers' wallets. During the investigation, it was possible to determine that over a 2-year period, the hacker was stealing cryptocurrency from people's vaults, but the exchange considered this to be deposits and even credited a number of users with up to 40,000 BTC. As a result of the largest theft, the head of the exchange platform, M. Karpeles, announced his resignation from the board. An analysis of the situation showed that during the activity, the management carried out many fraudulent schemes, which led to a deplorable situation. A year later, the company went bankrupt, which happened due to the accumulation of debt over $63 million and an increase in the number of creditors to 127,000 people. The exchange itself was also affected, losing about 120,000 BTC.

2016

In 2016, there were a number of events related to the theft of cryptocurrencies on exchanges or in users' wallets. Let us briefly analyze the features of fraudulent activities and the amount of loss. Read More.... https://insurancevlog.in/the-biggest-thefts-in-the-field-of-cryptocurrencies-until-2022/ Read the full article

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Is it worth buying a used car - the pros and cons

During the pandemic, new car prices have risen by about 30-40%. Many motorists turned their eyes towards the "secondary". In the article we will talk about the most liquid cars in the secondary market and share tips on choosing.

Why buy used cars when there are new ones in showrooms

"The car is not a luxury, but a means of transportation." It seems that this famous quote from the work of Ilf and Petrov has lost its relevance. According to analytical agencies, the weighted average price of a new car in Russia now is about two million rubles. Not everyone can afford an iron horse for such a price. The situation in the secondary market is no better. In just one year, prices for used cars have grown by 60%, according to Avito.Avto experts. The average price tag at the moment is 640,000 rubles. Compared to two million, it doesn't seem so predatory. Therefore, Russian motorists, who used to be prejudiced about used cars, reluctantly change to them. In addition to them, there are several categories of people who fundamentally do not buy new cars. For example, beginners after driving school. Lack of driving experience can lead to accidents, both minor and serious. A new expensive car is much more offensive to scratch than a used cheap one. Used cars are also chosen by motorists who are not distinguished by constancy. Some of them can change up to five cars in ten years. If you take a new car every time, you can easily go broke. You will not have to delay buying a car if you take a car loan from Sovcombank. With it, you can buy both new and used cars. Choose the right program and calculate your monthly payment right now !

Where to look for used cars

You can buy a used car from the following categories of sellers: - owners; - resellers - private individuals; - car dealerships. The first option is the most profitable and reliable for the buyer. The price of intermediaries can be higher by 20-40%. In addition, it will not be superfluous to chat with the person who drove the car before you. It's one thing - if it's an intelligent grandfather with glasses, and quite another - a smoky student. In search, we advise you to immediately go to the Internet. All the sellers listed above publish offers there - including car dealerships. Among the numerous online services, four of the most convenient and popular can be distinguished. - Avito An online platform where you can buy absolutely everything. Car search is very convenient - you can specify all the necessary parameters and filter out inappropriate options. Of the minuses - sellers are not required to indicate prices, so you often have to find out this information yourself. - Auto RU A portal specializing in the sale of vehicles and their components. Of the chips of the service is the function of comparing car models and specific ads for sale. The downside is the irrelevance of some ads, since after the sale they are not deleted. - Drom.ru This is not only a platform for buying and selling cars, but also the largest auto forum in Runet. Here you can read reviews of different cars and participate in the discussions yourself. In a special section, you can see cars that are sold at car markets in different cities. - en In addition to ads, the site has a section with news from the automotive world and reviews of various models. You can get acquainted with the characteristics of the machine of interest and immediately find a suitable option. Of the minuses - the portal publishes ads from other sites, which may be out of date. Read More... https://insurancevlog.in/is-it-worth-buying-a-used-car-the-pros-and-cons/ Read the full article

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What is NFT in Roblox from Gucci, and how you can make money on it

In 2022, the Roblox game was replenished with a new metaverse from representatives of the Gucci fashion house and was called Gucci Town. This is a new digital space where you can learn more about the development of the Fashion House, get unique things to express your individuality and communicate with like-minded people. Below we will look at what kind of project it is, what are the features of the city of Gucci, where to get codes / items, and how to activate them.

General provisions

The new metaverse "City of Gucci" combines two giants: - Italian fashion house Gucci. It is one of the most famous manufacturers of clothing, perfumery and textile products. It is the second largest fashion brand in terms of sales after LVMH. For 2022, it has about 5,000 outlets, and the total number of employees exceeds 17,000 people. The total sales volume is about 10 billion euros. - Roblox is an online game that allows you to participate in the projects of other users or make your own. The essence of the game project is to create virtual worlds in different genres, for example, role-playing games, races, obstacle courses, etc. In fact, this is a huge metaverse with a large and constantly growing number of users. For 2022, the number of users exceeds 230 million people, and the main age of children is under 16 years old. Here you can sell / buy items, make accessories and earn money.

What is Gucci Town in Roblox

Gucci Town is a new metaverse in Roblox, which is a huge free space with many shops and recreation areas. Its features allow you to compete in small games and get GG gems, take selfies, get information about the development of the Fashion House, achieve new statuses and communicate. After collecting the required number of gems, you can buy clothes and personalize the look. The history of the NFT meta universe in Roblox began in May 2021. It was then that a new Gucci Garden project appeared, which gained popularity and attracted over 20 million users. Such impressive results were achieved in just 14 days. The Gucci Town project for Roblox has a large scale and allows you to focus on great popularity. The official website of the project is roblox.com/games/7830918930/Gucci-Town. Read More... https://insurancevlog.in/what-is-nft-in-roblox-from-gucci-and-how-you-can-make-money-on-it/ Read the full article

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What besides Decentraland: the ultimate selection of new crypto-metaverses

Recently, more and more new metaverses appear. In some of them, you can already buy land, others are at the development stage. There are also those that are more like full-fledged games than metaverses. We collected a selection of new crypto-metaverses from all of them.

Metaverses under development

Here are the metaverses, which are just undergoing testing, or an early stage of development. That is, these are those projects in which you cannot visit the virtual world itself, but only purchase tokens or game resources. Some of them are more like games than metaverses. But they have their own virtual world, and there are plans to release NFT lands, so such metaverses are also in this selection.  Mars Metaverse . The Mars company is developing its own metaverse dedicated to the planet Mars. It is in development and will be released in 2023. The Metaverse will consist of a small area with a diameter of about 1 km called "Colony". In it, the user will be able to own land using NFT, build a house or commercial building on it, and rent is also possible. Users will be rewarded with Mars Tokens (MRST) by contributing to the gameplay in the metaverse. The economic system of Mars Metaverse will be designed so that all users who play on the platform can earn money.

Building concepts in the Mars Metaverse. Source: marscompany.com Users will also be able to customize the space to their liking and purpose, such as a shopping mall, gallery, party room. To generate additional revenue, users will have the opportunity to host events in their space. SHIB Metaverse. The Shiba Inu Token Ecosystem (SHIB) creates its own SHIB Metaverse . It will consist of 100595 plots of land. Some lands will remain locked down and will be used as common areas, as they will be key locations for travel in the metaverse.

A map of lands in the SHIB metaverse. Source: blog.shibaswap.com In May 2022, the project is in development and there is no information about when it will be launched. At the start of sales, 36431 plots of land will be put up for sale, as well as part of 4 different areas will be open for purchase: growth, defense, technology and currencies.  homespace. A metaverse based on the Ethereum blockchain, which will consist of the personal worlds of users and public spaces. Among them will be gaming zones, a DeFi city with banking institutions, and a university with educational projects. It is not yet possible to try the project on your own, buy its tokens and NFTs. Homespace will launch on mobile devices, desktop and browser versions on PC, and will also support VR headsets. There will be two types of NFTs in the metaverse: real estate and various accessories for your virtual home.    Homespace Metaverse Presentation at BSC Gamefi Hackathon Developers focus on photorealistic graphics. To do this, they use the Unreal Engine 5 game engine, which is capable of producing such a picture. And user avatars will be created using Epic Games' MetaHuman Creator technology .  moonscape. The Metaverse will be implemented as a strategy game. In it, users will be engaged in building a base, exploring the territory, collecting and equipping troops for battles.  In Moonscape, players will explore a futuristic moon, build their cities, and earn rewards for their time in the game in the form of a native MSCP token. Ready cities can be put up for sale in the form of NFTs. Player One. This metaverse is similar to The Sandbox in terms of gameplay and graphics . It consists of four components: tools for building objects, social scenes for communication between users, an NFT marketplace, and a Play-to-Earn gaming system. In May 2022, you can only buy clothes for voxel characters in it.

Read More... https://insurancevlog.in/what-besides-decentraland-the-ultimate-selection-of-new-crypto-metaverses/ Read the full article

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The Best NFT Rarity Tools to Help You Invest Solana NFT

Today we are going to review some of the best Solana NFT rarity tools. This year we have witnessed the exponential development of NFTs. There is one question investors often ask when it comes to NFT rarity verification and how to do it. The rarity of an NFT is a crucial element in determining its value. But what is rarity and why is it so important?

What is NFT rarity?

What factors are driving the value of NFTs amid the multitude of new cryptocurrencies entering the market? Why do some NFTs sell for millions of dollars while others, sometimes from the same collection, sell for thousands of dollars less? The answer to this question is rare. Simply put, the rarity of an NFT determines how rare it is, and therefore its value. Collectors are most interested in rare NFTs, which increases their price. This is why collectors want to know if there is a shortage of NFTs in their collection or if they are buying a unique item. rarity tools for solana nfts

How is NFT rarity calculated?

What is the definition of "rarity" in the NFT world? One of them is 1/1 NFT from famous crypto artist like Fewocious or celebrities like Paris Hilton or Snoop Dogg. This is self-evident, to say the least. However, when it comes to hundreds of NFTs in a collection, it is the rarity of each feature in each NFT that determines its overall value. Let's take hit NFT collections like Crypto Punks as an example. The collection includes 10,000 NFTs divided into five different "punk types". While the rarest type is the elusive "Alien" with only nine in circulation, the least rare type is "Male" with 6,039 NFTs in existence. In addition, each type has its own set of characteristics or qualities with different rarities. For example, the "Cap" and "Collar" are rather unusual attributes, they are worn by only 44 and 48 punks, respectively. On the other hand, traits such as "earring" and "cigarette" are more common.

The best NFT rarity tools to help you invest with a better understanding of the market. With such a large variety, even in the same collection, the question arises of how to check the rarity of NFTs. The total deficit of a particular NFT can be calculated in various ways. Calculating the rarity of an NFT based on the rarest trait, taking the average rarity of a trait, or statistically estimating rarity are just a few examples. However, all of these methods focus on the general features of NFTs rather than one specific feature. As a result, Rarity Tools developed a method known as "rarity scoring". According to the rarity tools, "the overall rarity score for an NFT is the sum of the rarity score of all its characteristic values." Below is the formula used to calculate the rarity score of a trait value: Trait value rarity = 1 / ( / ) The score takes into account both the individual NFT stat and the overall rarity of the traits. As a result, the rarity rating has become the industry standard for NFT rarity ratings on many websites.

Best NFT Rarity Tools to Check Rarity Estimation

Obviously, no one wants to calculate the rarity of every NFT they are looking for for themselves. Do not worry; There are several investment tools that will do all the work in a few clicks. Let's take a look at some of the best options! Rarity Tools The most common method for determining NFT rarity: Rarity Tools . It ranks NFTs by their feature deficits in real time. You can filter NFTs by their average price, total sales, number of owners, and top collections on the site. In addition, you can find information about existing popular collections such as BAYC and Crypto Punks, as well as future projects. In addition, the website has a simple and pleasant user interface that makes it easy to determine the rarity of an NFT!

The best NFT rarity tools to help you invest with a better understanding of the market. NFTs with a lower rarity value will have a more common rarity type, and vice versa. For example, CryptoPunk #8348, which is #1 on the site, has a rarity rating of 10342.68. CryptoPunk #7804 has a score of 2329.18, which is the second highest NFT rarity rating on the site. While the tool is free to use, NFT projects must pay 2 ETH as listing fees to be listed on the platform. HowRare.is This is one of the best NFT rarity tool. If you want to know the rarity of NFT Solana, then HowRare.is your best bet. Based on the floor price, number of items and holders, and whether NFTs are for sale, the site listed 255 Solana NFT collections. You can discover NFTs belonging to a collection based on their rarity in each collection. The rating and score of each NFT is displayed below its title, as well as attribute data.

The best NFT rarity tools to help you invest with a better understanding of the market. You can find out about your NFT's deficit using its asset ID. If you are looking for information about upcoming Solana collections, you have come to the right place. However, they are not reviewed by HowRare.is, so be sure to do your own research before buying anything. Rarity Sniper Another example of one of the best NFT rarity tools: Rarity Sniper . It has many 774 collections on Ethereum, Solana and other platforms. It has an easy to use interface that displays rarity rank, scores and all traits in an attractive way. The best NFT rarity tools to help you invest with a better understanding of the market. There is also a Discord community of 400,000 for Rarity Sniper. Surprisingly, you can also find a shortage of NFTs here. To do this, simply use the following bot command under rarity-check: The rarity of the NFT will be displayed by the bot. This is a simple method for determining the NFT deficit. However, you will only be able to detect the rarity of Rarity Sniper collections. Sniper If you're looking for information about new NFT projects, Sniper is a good place to start. The tool is fully focused on current and upcoming projects. When a project is announced, it takes less than two minutes for the Traits Sniper bot to analyze the rarity of NFTs. There are both free and premium versions, with the latter providing features such as real-time notifications of new disclosures and their scores. The best NFT rarity tools to help you invest with a better understanding of the market. OpenSea ranking The largest and best-known NFT market is the High Seas . It tracks volume, floor price, and other metrics to provide NFT ranks. You can see the most popular collections from the previous 24 hours, 7 days, 30 days, or all time. This is a great way to figure out which collections are trending so you can make an informed financial decision. The best NFT rarity tools to help you invest with a better understanding of the market. You won't be able to determine the overall NFT rarity rating or NFT rarity score while you can see the traits and their frequency for each NFT. Regardless, having a marketplace and real-time ranking makes it very easy to choose which NFT is right for you. Finally, investing in NFTs comes with a number of risks. While investment vehicles are quite useful in determining the rarity of an NFT, rarity should not be the only consideration when buying an NFT. Before buying, it is extremely important to do your own research and have a complete understanding of the market. Read the full article

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What is margin trading and what are its risks

Alexey opened a brokerage account six months ago and managed to make good money. Until now, he has bought securities only with his own money, and now a friend is agitating him to try transactions with leverage - that is, at the expense of the broker's money. This is called margin trading, and it supposedly can bring in many times more profit. Is it worth starting such experiments for a not very experienced investor and what can they lead to?

What is margin trading and what are its risks

An investor can conduct transactions on the exchange not only with his assets. Quite often, brokers and forex dealers are ready to lend their clients securities and money for trading on the stock exchange at a certain percentage. A person will not receive them on the account and, accordingly, will not be able to withdraw from it, but he will have the opportunity to use them in transactions.

The investor's own assets serve as collateral - they guarantee that he will be able to pay off his intermediary. Such a deposit is called margin, and the number that shows how many times the transaction amount will increase is called leverage. Therefore, operations in which the client uses the assets of a broker or forex dealer are often called margin trading , or trading with leverage . And the margin transactions themselves are unsecured transactions. If the deal makes a profit, thanks to the leverage, it will increase significantly. But in case of failure, losses will also increase in the same proportion. Alexei bought Superbank shares for 100,000 rubles. During the day, these securities rose in price by 2%. Alexey sold them and earned 2,000 rubles. If he borrowed 400,000 rubles from a broker and also bought Superbank papers with them, his total income would be 10,000. But if the shares fell in price by the same 2%, he would lose not 2,000, but 10,000 rubles. Margin trading gives players a chance to earn not only on the growth, but also on the fall of the asset price. Suppose an investor assumes that the value of some of his securities will decline. He sells them, and then buys them back, but cheaper - and makes a profit from the difference. Operations in a rising market are called "long" trading, and in a falling market - "short". Margin trading "short" allows you to earn by selling even those assets that are not in your portfolio: you borrow them from a broker and sell them. If these papers get cheaper, you later buy them at a lower price and return them to the broker, and keep the difference between the sale and purchase price. But if the price rises, then instead of profit you will receive losses: you still have to return the securities to the broker, but you will need to pay more for them. Aleksey is confident that TaxebeBank's shares will become much cheaper in the near future. He does not have these securities, and he borrows 1,000 shares of 350 rubles each from a broker, sells them and receives 350,000 rubles. Three days later, the paper really falls in price to 300 rubles per share. Aleksey buys a thousand shares of TaxebeBank to return them to the broker, but for 300,000 rubles. As a result, 50,000 rubles remains for Alexei. True, he will have to pay the broker a commission for transactions and a percentage for using borrowed assets - in the amount of about 700 rubles. But if, contrary to Alexey's expectations, the shares had risen in price to 380 rubles, he would have had to pay 380,000 rubles for them and at the same time lose 30,000 rubles on the transaction and 700 rubles on commissions and interest. Please note that margin trading is not possible for all instruments. The list of assets that can be bought or sold with leverage is posted by brokers on their website or in the terminal. Margin trading "short" always involves a reverse transaction. If you sell securities that you borrowed from a broker - in other words, open a position - then after a while you must buy them back and give them back - or close the position. When you trade "long" and buy a certain amount of leveraged securities, you are not obliged to sell them later. You can simply fund your account to get your money back to the broker.

How is leverage determined?

Leverage shows the ratio of the investor's own assets to the amount of the transaction, taking into account the money or securities provided on credit. Alexey has 100,000 rubles to buy shares. The broker is ready to lend him another 400,000 rubles so that the transaction amount is 500,000 rubles. In this case, the leverage will be 1:5. How much money or securities the intermediary will lend depends on three factors. one.Tool discount The minimum risk rate, or discount , for each instrument is calculated daily by clearing organizations . For example, for securities traded on the Moscow Exchange, discounts are determined by the National Clearing Center (NCC). Brokers can set other discounts for securities for their clients, but they should not be lower than the stock exchange figures. When calculating the discount, the clearing organization takes into account: - liquidity of a security - the ability to quickly sell it at a fair price, - volatility - how sharply and strongly its price can change. The more difficult it is to find a buyer and the greater the price fluctuation, the higher the discount and the less leverage for this instrument. To calculate the maximum allowable size of a leveraged trade, the broker divides the amount of the client's own funds by the discount. NCC set a discount of 0.2 for Superbank shares. If Aleksey had 1 million rubles in his account, he could buy shares for a maximum of 1,000,000 / 0.2 = 5,000,000 rubles using a margin loan. That is, the maximum leverage for this instrument is 1:5. But for many investors, discounts for most instruments will be higher than the minimum, and the leverage will be less than the maximum. It depends on another indicator - the level of risk that is assigned to the person himself. 2.Investor risk level It is determined by the broker. By default, when opening an account, a new client is automatically assigned a standard, or initial, risk level. An increased level of risk is received by an investor who has at least 3 million rubles in money or securities on a brokerage account. Or when it  meets three requirements at once : - the amount of his assets in the account exceeds 600,000 rubles, - the investment account was opened more than 180 days ago, - on at least five of those 180 days he made trades. For investors with a higher level of risk, the discount calculated by the clearing organization for the instrument is used. And for less wealthy and inexperienced clients, the broker will set a higher discount for each instrument. Alexey has been actively trading for more than six months, but he has only 100,000 rubles on his account. So, he has a standard level of investor risk. He wants to buy shares of Superbank, to which the NCC assigned a discount of 0.2, but the broker determined it for Alexey at the level of 0.4. As a result, the transaction amount cannot exceed 100,000 / 0.4 = 250,000 rubles. That is, the maximum leverage will be 1:2.5. Discounts for each security and available transaction amounts, which already take into account the investor's risk level, can be viewed in your personal account on the broker's website or in your trading terminal. 3.Margin size The broker calculates this indicator for the client before each of his transactions with leverage. Margin - the value of assets on the investor's account, taking into account the discount on them, which remains pledged to the broker. Only the most liquid instruments are summed up: money and securities that are easiest to sell - each broker publishes their list on their website. Alexei bought shares for 100,000 rubles and deposited another 100,000 rubles into a brokerage account. Purchased shares are taken into account when calculating the margin with a discount of 0.5. Therefore, the broker evaluates them not at the current market value, but with a coefficient of 0.5. That is, the margin was: 100,000 (money in the account) + 50,000 (value of shares, taking into account the discount) = 150,000 rubles. As profits or losses rise, margins rise or fall accordingly. But the broker usually makes sure that the margin does not fall below the minimum, which is guaranteed to allow the client to pay off the loan. The maximum margin loan amount is determined by the broker using the following formula: the margin is divided by the discount of the instrument and then the amount of the investor's own money is subtracted. Alexey wants to buy Superbank shares, which have a discount of 0.4. Alexey has 100,000 rubles on his balance sheet, but taking into account other securities in his account, the broker estimated the margin at 150,000 rubles. This means that he can spend a maximum of 150,000 / 0.4 = 375,000 rubles on Superbank shares. Of these, 100,000 will be invested by the broker himself and 275,000 rubles will be borrowed by the broker. In fact, there is no need to delve into the calculations of leverage and credit, taking into account margin and discount. When choosing an instrument in the broker's terminal, you will already see exactly how many selected securities and for what amount you can buy in the margin trading mode. However, it is not necessary to use the maximum available leverage, especially if you are just starting to trade. After all, leverage acts like a lever, multiplying both your profits and losses. For example, if you make a deal with all your money with a leverage of 1:10, and prices change by 10% in an unfavorable direction for you, then you will lose the entire amount on your account. The maximum leverage in the forex market is determined by other rules: it is limited by law . A forex dealer has the right to provide a leverage of up to 1:50 to qualified investors . For customers without the status of "quala" this proportion is less: the dealer calculates it daily based on the statistics of currency fluctuations for the previous 365 days. Most often, the leverage is in the range of 1:15–1:35. This at least partly protects inexperienced investors from big losses.

What happens if my securities fall in price and the margin decreases?

When this happens, the broker usually warns the client that he needs to fund his account, otherwise the value of the assets may not be enough to close the position. Such a notification comes through the trading terminal or by e-mail, this is called a margin call. Brokers themselves determine the level of losses at which they send a margin call. Some notify the client immediately, as soon as the margin decreases by at least a ruble. Others send a notification when the investor's own assets lose, for example, 50 or even 80% of the value. And some do not use a margin call at all, and in such cases, investors risk even more - they can suddenly lose all their assets. If the investor does not put money into the account and the losses reach a certain level (usually from 50 to 90% of the margin), the broker, as a rule, uses a stop out  - that is, it will forcibly close positions in order to return their money. In this case, the client will receive losses. Alexei bought shares of Superbank with a leverage of 1:2.5 for 375,000 rubles in the hope of their growth. His margin was 150,000 rubles. However, after a couple of days, the bank's shares began to rapidly fall in price. The broker sent a margin call, but Alex missed the notification. When the share price fell by 20%, the broker himself sold all the Superbank shares that were on Alexey's account. By this point, he had lost 75,000 rubles - half his margin. In trading programs, brokers always indicate the minimum margin level of the client, at which they themselves will close his positions. But you need to keep in mind: brokers have the right to use a stop out, but they are not required to use it. It may happen that losses cover the margin, and you will remain in debt to the broker. Therefore, you should not rely entirely on margin calls and stop outs - it is important to independently monitor the state of your portfolio.

How much does a margin loan cost?

There is usually no charge for a loan when you use borrowed funds within the same trading day. But if you hold the broker's money or securities longer, he will write off interest on the use of his assets. As a rule, rates range from 15 to 20% per annum, or about 0.04%-0.05% per day. And in any case, you will have to pay a commission for transactions. Alexey's broker takes a commission of 0.05% for each purchase and sale of securities and 0.04% per day of the amount of money or asset value he lends. For a margin trade with Superbank shares, Alexey had to pay: 375,000 × 0.05% (for the purchase of securities) + 300,000 × 0.05% (for the sale) + 275,000 × 0.04% x 3 days (for a loan) = 670 rubles. And at the same time, the deal itself brought him 75,000 rubles of losses. Brokers charge a daily margin loan fee even on non-working days of the exchange. If you open positions for a long time, the credit rate can reduce all profits to zero. That is why transactions with leverage are usually concluded for a short time.

Are leveraged deals available to novice investors?

Margin trading is associated with high risks. Therefore, before you start trading with leverage, inexperienced investors need to be tested . As soon as you want to make the first margin trade, the broker will offer you to pass the test. It's free. Questions will assess your knowledge. You need to give the correct definition of margin trading, answer whether the broker has the right to charge you for a margin loan, and estimate the amount of possible losses. You also need to know in which case the broker can forcibly close the client's position. You can retake the test as many times as you like. But even if you do not manage to answer all the questions correctly, the broker may allow you to make unsecured transactions in the amount of up to 100,000 rubles, warning you of the risks. Testing for access to margin trading in  the forex market is more difficult. It has more questions than the Leveraged Stock Market test. And until you answer them correctly, you will not be allowed to make transactions, as the risks of Forex are especially high. You can learn how to prepare for testing and where to start learning from the text "Where to learn to invest" .

I passed the test. How to get a margin loan?

Usually, you do not need to draw up any additional paperwork, since the possibility of margin lending is already spelled out in the brokerage agreement. To use the broker's funds for transactions, it is enough to activate the margin trading mode in the trading terminal. But it is important to be extremely careful: transactions with leverage are very simple. You can accidentally buy securities for more than you have, or even sell shares that you do not have, and only then realize that all transactions took place on credit. It is better to turn off the margin trading mode to eliminate the possibility of error and reduce the likelihood of losses, and turn it on only when you really need it.

If there are so many risks with margin trading, why are they needed? Can they be useful at all?

To successfully play on the rise or fall in the value of securities through margin trading, you need to be an experienced trader. But there are situations when transactions with leverage carry not so many risks and can be useful even for novice investors. Purchase before transferring money from the bank to the brokerage account Alexey has shares in Superbank, he receives good dividends on them and would buy them more if they were cheaper. Suddenly, the price of the paper fell to the one that Alexei had just dreamed of. You need to act quickly, and he has a small amount in the brokerage account. While he transfers the money from the bank, a day or two will pass and the situation may change again. And with leverage, you can buy securities immediately and then calmly wait for the account to be replenished. Cash gap Aleksey decided to sell Superbank shares and buy TaxebeBank bonds in return - their price is now very profitable. According to the rules of the exchange, the money from the sale of shares will be credited to the account only two days after the transaction, and Alexey is afraid that bonds will rise in price during this time. With the help of a margin loan, he can invest in Taxebe Bank immediately. Alexey will pay a small percentage for using the leverage and return the debt to the broker as soon as the money for the shares comes to the account. Buy before sell Aleksey bought bonds of TaxebeBank. But now he is thinking of changing them for more promising, in his opinion, shares of Acceptable Bank. Now the papers of Acceptable Bank cost 120 rubles apiece, while Alexey would like to buy them for 100 rubles. He could have sold his TaxebeBank bonds and placed a bid for the shares of Acceptable Bank at 100 rubles. However, it is not known when the price of the securities he needs will fall to this level. It is possible that Alexey will have to keep a large amount of money in the account for a long time, which does not bring income. Instead, Aleksey can hold TaxebeBank bonds, receive interest on them and simply wait for Primlemo-Bank's shares to fall in price. And as soon as this happens, immediately buy new securities with a margin loan and sell unnecessary bonds to pay off the debt. If both trades go through within the same trading day, his broker will not charge for the loan. But before any transactions with leverage, you should carefully weigh your benefits: will it be possible to save money thanks to a margin loan, given that you will have to pay interest to the broker for it.

How can I reduce risks if I still plan to trade with leverage?

Margin trading is in any case more risky than transactions with your own money, but you can reduce the risks. - Control your positions in the trading terminal so that you don't accidentally get into your shoulder when you don't want to. - Use stop loss (stop loss) - automatic exit from the transaction under certain conditions that you set yourself. For example, a position can be closed as soon as the price of an asset or your loss reaches the limit you set. So you can at least not be afraid to go beyond the allowable losses. Usually the stop loss option is configured in the trading terminal. - But keep in mind that a stop loss may not work - for example, if no one wants to buy or sell securities at the price you need in the market. In this case, the broker will not be responsible for not fulfilling your order. - Track the margin level on positions yourself, even if the broker uses a margin call and a stop out. If necessary, replenish your account or exit trades. Otherwise, you can not only lose all your assets, but also remain in debt to the broker. If you decide to deal with margin trading, try to never use leveraged funds to the maximum. Remember that leverage can turn even a small wave in the market into a tsunami and reset your account. Read the full article

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Distribution of free NFTs without investment

The king of cryptocurrencies, Bitcoin, has started the year poorly, down about 6.9% since the start of 2022, but the market for non-fungible tokens, or NFTs, is booming with investors, institutions, companies and celebrities investing in digital tokens. Their value is steadily rising. But what about those who would like to receive NFT for free, without investment? It turns out that there are options.

Background of NFT: in general terms about the main

According to a TradingPlatforms report, the total value of NFTs has risen from $100 million in 2020 to over $21 billion in 2021. That is, there is a huge demand for these tokens. You may have heard talk of the Bored Ape Yacht Club NFT, one of the most famous NFT collections, a whimsical series of unique images depicting a monkey with different personalities. And now big brands have entered the NFT market. Luxury car manufacturer Mercedes-Benz collaborated with NFT artists to create an exclusive NFT collection. Nike Inc. acquired digital sneaker brand RTFKT to expand its digital footprint, and Walmart Inc. (WMT) may be heading into the metaverse with potential plans to offer its own cryptocurrency and NFT collection. All this suggests that it would be good for an ordinary person to get a piece of this NFT pie. Trading - buying NFT digital assets - is a rather risky business, so many try to find a way to get NFT for free. Therefore, it is on this topic that we will dwell today, without touching on the issue of investment.

Free NFT airdrops

NFTs are a physical or digital asset. This can be anything from intellectual property rights to ownership of an asset. NFTs are expanding into the world of gaming, retail, real estate, sports and other areas. As the usefulness of the NFT expands, its acceptance and popularity will follow. You can participate in the distribution of NFT tokens for free in various projects, on trading floors and on various platforms that require the fulfillment of a simple condition in order to receive a token - from subscribing to Twitter or Discord platforms to acquiring a share of the company's tokens. But in any case, it’s not a problem to find free drops on the network - it’s enough to periodically look at news feeds on the relevant topics, study reviews that describe new players on the market.

Developing your own NFT

Non-fungible tokens are especially known in the context of digital art. Artists create NFTs that can then be sold on the market. NFTs are unique because of their proven ownership that cannot be copied or manipulated. When an item is limited, it becomes more valuable. The NFT market is speculative and people buy NFTs because they believe they will become more valuable to someone else later. Thus, people collect artistic NFTs because they believe they will increase in value in the future. Many examples of this pattern are already known to the public, so if you're good at creating digital drawings, why not try to make something unique. And then put it up for sale as an NFT and get rich. For example, everyone has heard about the story of "bored monkeys" that went from zero (given away completely free) to millions of dollars - the most expensive copy is now worth about 90 million).

Of the artists who created their own NFT and became famous all over the world, the most famous is Mike Winkelmann (Beeple), who created and sold at auction a collection of digital images consisting of 5 thousand pictures. The price of the collection amounted to almost 70 million in dollar terms (the sale was carried out in Ethereum, which also became a sensation - earlier the Christie's auction house had not yet sold lots for cryptocurrency). It is also worth remembering the artist Banksy, whose work also became an NFT token and became popular. The painting was a material object, but after it was converted into a digital image, it was burned, which also attracted attention. There are many platforms to create your own token, but the most popular are OpenSea, Rarible and Mintable. Here you can make both one NFT and a whole collection. To get started, all you need to do is open an Ethereum wallet and pick up content that can be linked to a non-fungible token. By the way, in addition to fine arts, unique musical works are often used in this role - recordings from a certain concert that have something unusual, videos, models designed in 3D. Additionally, you can leave a surprise for the future owner by adding content that will be blocked for public access and will be available only to the one who becomes the new owner. For token creators who want to participate in this business for free, the optimal service would beopensea. He does not take a commission in advance, but withdraws his share for the conversion only when the token is sold, and then from the buyer. Therefore, the author can work without investment at all.

Top Free NFT Games Without Investment

To make money on NFT games without investment, just register in one of the games described below and start playing. This method is most liked by users, since it does not even require intellectual costs - you don’t have to understand the functioning of NFT tokens, how it works in general, you just need to play for fun, following the rules. Gods Unchained Gods Unchained is one of the most popular games that does not require investments and allows players to earn a decent income. For beginners, a welcome bonus is provided here - a set of cards in the amount of 140 pieces. They cannot be sold - this is how game developers motivate new players to take action within the system. While playing on the platform, gamers open new cards, receive bonuses, and for winning rating battles, they already receive Flux, a special tool that allows you to duplicate cards on the Ethereum blockchain and then sell them through the market. Guild of Guardians Guild of Guardians is the latest announced RPG game for smartphone lovers. The launch is planned for 2022, while the developers have focused their efforts on creating a truly free game that does not require spending money on purchasing in-game items that do not exist in reality. Gamers will be able to play for free and earn with their heroes and in-game items without spending any money at all. Chainmonsters An excellent game in the style of the famous Pokemon GO, but based on the NFT mechanics. Chainmonsters allows you to collect internal tokens and special items, which can then be sold on the market. Today, several thousand players are already testing this game and very soon it will be available to everyone not only on a computer, but also on popular game consoles - Xbox, PlayStation and Nintendo. splindlands SPLINTERLDS is a free trading card game. And in general, it is free, but there is one small “but” - in order to trade your own game assets, you will have to invest in the purchase of Scorebook. The fact that traditional free games give out in-game currencies and items to anyone who signs up underlines that the items are endlessly generated and mostly useless. Splindlands is very different in this regard. All game cards and currency in the game, Dark Energy Crystals (DEC) are limited in quantity and can be bought and sold on various platforms. This means that they are not given away to everyone who registers in the game, and in order to start earning them, players must invest some money. Axie Infinity It may seem that Axie Infinity does not belong on the list of free games, but in fact, here you can get special privileges. This mainly applies to old players who get access to an unofficial scholarship feature, the so-called scholarships, and can share free rewards with other players. Also, NFT tokens can be obtained for free in social networks, where their various developers organize distribution, attracting new users. There are many options to work with NFT without investment, the main thing is to choose the right one and study the issue well so as not to stumble upon pitfalls. Read the full article