Myconstant is a digital peer-to-peer (p2p) lending platform that leverages the versatility of digital currency to make p2p lending more accessible and offer lenders greater levels of control. All lending is also backed by cryptocurrency capital, offering a measure of protection on funds.
However, p2p lending has its share of issues, so due diligence is required before putting your money to work on this platform.
P2P lending is the practice of lending individuals or businesses money through services, predominantly online, that match lenders to borrowers.
Essentially, you’ll be lending out your money and making profit on the interest accrued. While p2p loans can offer investors (lenders) annual returns in the ballpark of 7-11%, they are also considered a high risk investment.
A lack of FDIC insurance and security on the loans means borrowers can default, and leave investors SOL. It’s not inconceivable that an unsecured loan could be defaulted on and the lenders would lose 100% of their investment.
Therefore p2p lending has always been a careful balance between risk and reward. However, as the industry grows new digital solutions are being created to address the more gaping issues.
Myconstant began as a stablecoin (CONST) project back in 2019. To the uninitiated of crypto, stablecoins are digital currencies whose value is linked to an underlying asset, the US dollar in the case of CONST.
Experience in the crypto industry gave the company a different perspective on finance, and they ultimately pursued p2p lending precisely because they believed their digital currency addressed common issues in the p2p industry.
For starters, they saw p2p as being too centralized. P2p lending platforms like Prosper and Lending Club essentially acted as banks, setting rates, evaluating risk, and controlling the lending process. Digital currency like CONST runs on blockchain technology, meaning its decentralized and much more versatile. Myconstant claims this allows them to give lenders unrivaled levels of control over the lending process.
Another issue Myconstant saw in p2p lending was a lack of collateral and, as a result, security. Again, digital currency helps resolve this issue by standing in as collateral for the loans.
Myconstant’s most accessible option, and a great choice for beginners who are new to p2p lending and simply want to dip a toe in the water.
Instant access means you will always have access to your funds; they won’t be locked out for a set period of time as with fixed-term. The interest is also paid out in real time, as opposed to at the end of the term.
The trade-off here is that APY for instant access lending is lower than fixed-terms. While fixed-term loans can make anywhere from 6-9% APY, instant access offers 4%.
However, instant access is still a good option to try out in the beginning, and then move into fixed-rate lending as you become more comfortable with the platform.
Fixed-term lending offers better rates, but locks the loaned money up for a fixed period of time. This is typically the option taken by those with experience in lending who understand the risk and find it acceptable that their money will be inaccessible for a set period of time.
Myconstant currently has 3 packages for fixed-term lenders, each catering to different demands:
– 6% APY for 30 days
– 7% APY for 60 days
– 9% APY for 180 days
With the fixed-term loans, interest is paid out at the end of the term.
For crypto enthusiasts, Myconstant also offers the option to lend directly in crypto and avoid fiat currency altogether.
Crypto lending is a rapidly growing industry, and there are many businesses and individuals in search of crypto capital to drive their entrepreneurial efforts.
Myconstant supports lending for Bitcoin (BTC), Ethereum (ETH), and Binance (BNB) cryptocurrencies, but only with these three. Minimum loans must be at least 0.005 BTC, 0.1 ETH, and 0.01 BNB (around $150 – $200). Maximum loans cap out at 5 BTC worth of any token (currently = $165,000).
Similar to instant access, interest is paid out in real time and your money is accessible at any time.
As a new and growing business, Myconstant has several bonuses available to encourage investing your money.
For every deposit equal to or larger than $1,000 investors will receive $15 cashback.
They also offer new US users, 4% APR on a $4000 trial bonus to try out the platform and see how your money grows.
Myconstant also has a strong referral program, offering users 10% of the instant-access investment interest from any accounts they refer.
Myconstant looks like a great opportunity for anybody interested in p2p investing, and they talk a big game. The question is, can they back it up?
For starters, understand that there are inherent risks with both p2p lending and with cryptocurrency in general. Both are emerging industries, which is why we’re able to see such significant gains. However those gains are balanced by just as much risk, and an understanding of this balance is necessary before putting your money into either.
Internet reviews for Myconstant generally lean towards the positive, with the platform earning a 4.5 star review on Trustpilot across nearly 1,000 reviews. That many positive experiences alone must mean they’re doing something right.
There are some negative reviews, but most seem to be cases of transfer issues which seem to occur case-by-case and not as a consistently trending issue. I’d be pissed too if my money had trouble coming in, but if it only happens to 10 people in 1,000 then it’s not much to worry about. We all got vaccinated, right?
One area the reviews indicate the company excels in is customer service, and it seems like the platform goes above and beyond to help their users get started in p2p lending.
Their customer service line is also open 24/7, which is a big plus for an online platform with potential customers from a multitude of timezones (and a big advantage over traditional banks which close at like…2:00pm)
P2p lending can be risky, but a balanced investment portfolio should honestly have a bit of risk. Gotta risk it for the biscuit!
By leveraging the exciting new opportunities available with digital currencies, Myconstant does cut a bit of the risk (not all of it) from p2p lending and makes it more accessible than ever before.
If you’re looking for a new investment vehicle and can stomach a bit of risk, this might be exactly what you’re looking for!
The auction and professions have undergone many changes over the past couple of years, due to which not everyone can integrate into the new economic reality. This is especially true for professions in Dragonflight: if you miss the stage of accumulating knowledge points, then it will not be easy to keep up and compete with other players. Therefore, today we will talk about alternative markets, the entry threshold for which is much lower.
The easiest way to develop an account and buy gold profitably is to contact boosting companies. There, professional players provide such a service as wow boost. This can be leveling, completing dungeons and raids, coaching, and, of course, purchasing in-game currency. This significantly saves the player’s time, as well as the effort spent on completing uninteresting or difficult content. The service is safe if the player uses trusted and respectable companies that guarantee high-quality service delivery.
There are different tips for engineering in WoW. Recommendations for earning money in engineering tend to focus on mounts such as the Engineer Chopper, however, today we will look at something simpler, namely the Large Iron Bomb and the Normal Scope. The beauty of these items is that, firstly, they are very cheap to make, and secondly, they sell extremely quickly. On the one hand, classical engineering is one of the most expensive professions to level up, on the other hand, to learn both of the mentioned recipes, you only need to develop the profession to 190. At the moment, the cost of the scope is about 20 gold, while the price of the finished product is ~ 45 gold. Thus, each scope sold pays off twice. 20 gold – the profit is not too big, however, as already mentioned, the costs are also minimal, which is perfect for beginner players.
Rare fabrics with a cooldown time are available in many add-ons, however, now we will talk about materials from the Burning Crusade, namely Spellcloth and Primordial Mooncloth. Both fabrics are just reagents used in a variety of recipes, such as making transmogrification equipment. To learn both recipes, you only need to level up Outland Tailoring to 50. For this, about 100 Voidcloth will be enough. Upon achieving the required skill, both recipes can be purchased in the Lower City in Shattrath City, or old Dalaran. It’s worth mentioning the usual Mooncloth from classical tailoring. To learn the recipe for its manufacture, you need to upgrade your profession to 250. Since classic fabrics are quite cheap, the upgrade process should not be too expensive. Having reached this mark, go to Winter Springs, where a merchant named Kiya sells the recipe itself. Mooncloth itself is also not always profitable since prices sometimes fluctuate quite wildly.
This paragraph will not discuss any specific profession in the updated profession system, but rather a market segment. Moreover, if you are completely new to the game, then this niche is unlikely to be the most successful for you. But if you are a player who has returned after a break, you can enter the market quite easily. Even though it’s been over a year since the end of Shadowlands, not all players are aware that Shadowlands legendary item templates are now available for transmog, without the need to complete the creation of the legendary item. Thus, if you have a crafting profession that can create blanks for legendary items, you can make money from them, since these armor sets look quite attractive for collectors. Suppose you have already leveled up the Shadowlands professions. In that case, you can immediately start production, but if you haven’t played in this add-on, then in addition to leveling up the profession itself, you will also have to complete some introductory tasks.
When it comes to bag production, players tend to focus on producing bags from the current expansion. Indeed, from the point of view of a spherical buyer in a vacuum, the Dragonflight Elemental Fabric Bag is the most profitable, because it contains 32 cells and costs only a few tens of gold. Given these initial data, seemingly less profitable bags from past expansions should not be sold, yet players continue buying them. This is true, for example, for the Netherweave Bag. This bag has been an effective budget option for a long time, and many players, when creating an alternative character, bought these particular bags for him, keeping in mind something like the following motivation: “Yes, the bag is not the most spacious, but it is quite cheap, and my new character does not need a huge inventory”. Therefore, many players continue to buy these bags for their new characters simply out of habit. Even though modern bags are much more profitable. Some players might have been playing Cataclysm for a long time, and for them, the default bag is the Coal Silk Bag, so when they return to the game, they can buy them out of habit, without even trying to figure out which modern bags are more profitable.
There are a lot of ways to earn gold in World of Warcraft Dragonflight, and they are limited only by your imagination and the mechanics of the game. There are simpler ones, like buying in-game gold, and there are more complex ones, like trading various items. The choice of earning money is huge, and which path to take in the vast world of WoW is up to you.
Michigan, often called the “Great Lakes State,” is known for its diverse landscapes, encompassing vast freshwater lakes, dense forests, and vibrant urban centers. With a rich cultural heritage and a strong sense of community, Michigan offers a unique backdrop for those seeking to gracefully embrace innovative approaches to aging, such as Bioidentical Hormone Replacement Therapy. In the quest for longevity and graceful aging, individuals increasingly turn to an unconventional yet promising Bioidentical Hormone Replacement Therapy Michigan. This article will explore this innovative perspective on aging and longevity without relying on traditional subheadings, providing a fresh outlook on this transformative therapy.
Bioidentical Hormone Replacement Therapy (BHRT) stands as a beacon of hope for those who seek an unconventional approach to aging gracefully in Michigan. In a world where aging has often been associated with a natural decline in hormone levels, BHRT challenges this status quo. It introduces a paradigm shift by offering an unconventional yet effective way to combat the effects of aging.
BHRT’s uniqueness lies in its use of bioidentical hormones, which are molecules that closely mimic the hormones naturally produced by the human body. These hormones are made from plant sources and are customized to match an individual’s specific hormonal needs. They are considered safer and more effective than synthetic hormones, which are associated with health risks.
As Michiganders embrace BHRT, they are embracing an approach that goes beyond accepting the inevitabilities of aging. Instead, they are choosing to take control of their health and well-being, actively rewriting their aging narratives. With BHRT, aging is no longer synonymous with decline; it becomes a unique opportunity for rejuvenation and growth.
The narrative surrounding aging is undergoing a profound transformation in Michigan. BHRT is pivotal in reshaping this narrative by offering a pathway to rejuvenation and vitality. Rather than viewing aging as a process of decline, individuals embracing BHRT see it as a chance to thrive.
BHRT empowers individuals to embrace the aging process with optimism and enthusiasm. By addressing the root causes of aging-related issues, such as hormonal imbalances, BHRT enables people to regain lost vitality. It fosters a mindset that aging can be a journey characterized by ongoing growth and an enhanced quality of life.
One of the most intriguing aspects of BHRT is its deeply personalized nature. Each individual’s hormonal makeup is unique, and BHRT acknowledges this diversity. Traditional approaches to hormone therapy often offer standardized treatments, but BHRT takes a different approach.
When undergoing BHRT in Michigan, individuals receive treatment plans tailored to their specific hormonal needs. Healthcare providers conduct thorough assessments, including blood tests and clinical evaluations, to determine the individual’s hormonal profile. This data forms the basis for a customized treatment plan, ensuring the therapy is precisely aligned with the person’s body.
This personalized approach not only enhances the effectiveness of BHRT but also minimizes potential side effects. It reflects a commitment to optimizing each individual’s well-being and achieving the best possible results from the therapy.
It’s crucial to emphasize that Bioidentical Hormone Replacement Therapy in Michigan goes beyond merely alleviating specific symptoms. While addressing symptoms like fatigue, mood swings, and reduced libido is undoubtedly important, BHRT offers a more profound benefit – it promotes overall wellness.
Many conventional approaches to aging focus on treating isolated symptoms. For example, anti-aging creams may target wrinkles, while mood-enhancing medications may address emotional well-being. BHRT, however, takes a holistic view of aging. It recognizes that these symptoms are often interconnected and that the body functions as a complex system.
When individuals in Michigan embark on a BHRT journey, they often experience improvements in their health. Their energy levels increase, cognitive function improves, and emotional stability is restored. This comprehensive approach to wellness is a hallmark of BHRT.
This holistic transformation is due to BHRT’s fundamental principle of restoring hormonal balance. Hormones play a pivotal role in regulating various bodily functions. When hormone levels are optimized, it has a cascading effect on overall well-being. This means that individuals who undergo BHRT don’t just feel better; they experience a profound shift in their overall health.
In summary, Bioidentical Hormone Replacement Therapy (BHRT) presents a unique perspective on longevity and aging gracefully in Michigan. Individuals are reshaping their aging narratives by challenging traditional norms and embracing the unconventional. Through deeply personalized treatments beyond surface aesthetics, BHRT champions wellness and represents a paradigm shift in how we view aging.
If you’re intrigued by this alternative approach to aging, consider exploring BHRT in Michigan. Consult with a medical care provider specializing in BHRT to embark on a personalized journey toward a more vibrant and fulfilling life as you age. BHRT offers a different perspective on aging – prioritizing well-being, vitality, and the limitless potential of graceful aging.
In the exciting world of gambling, where risks are big and uncertainty makes your heart beat faster, winning is like an art. You need to have good skills, a plan, and also a little bit of luck. The idea that you can make a small amount of money grow into something much bigger is very tempting. People who learn the tricks to win at gambling often end up with success. So, come with us as we explore the intricacies of this exciting world and discover the tactics that make some people winners while others losers.
Think of a good sailor who is steering through changing waters — this is like how a winner at gambling takes care of their money. Managing money well is the most important thing you need for doing well in gambling. People who frequently gamble are very careful with their money. They make sure that they do not bet too much on one instance, so it does not lead to big problems for them. They put boundaries on how much to spend and stick to rules, keeping their money safe for other chances later on.
Chris Ferguson, who is very famous for playing poker, shows us a very good way to manage money. He made $1 into $20,000 because he played with much discipline. This teaches that if you use your money smartly in strategy, it will help you to do well for many times longer.
Winning in gambling is not only about doing math, it’s also knowing how people think and feel when they take risks. Controlling your feelings is what makes the difference between the best players and those who are just starting out. Keeping calm when there’s pressure, understanding what other players might be thinking, and deciding if you should stop or risk more is like an art. You can get better at it by playing a lot.
“Monty Hall Problem” is a well-known example showing how people think about risk. People who have to make a decision often can’t make up their minds on whether to trust what probability says and what their gut feeling tells them. People good at gambling understand how to balance gut feelings with statistics so they can choose wisely.
Though fortune plays a part in betting games, those with skills have an advantage in specific ones if they put effort and time to learn well. In games such as poker, blackjack, or sports bets, there is space for making smart choices which can help the skillful players to sometimes win more often.
The group from MIT known for blackjack, which we got to know through the book “Bringing Down the House,” used their strong math skills and worked together well to get better at winning in blackjack. This shows us that using your abilities can really win against luck.
In this time of the internet, information is a powerful tool for gamblers. Successful betters spend many hours studying teams, the players and probabilities. When you understand sports numbers or learn about other poker players, the information works like a smart weapon.
For instance, in horse races, people who win bets usually look a lot at how the track is, what the rider has done before and how the horses have been running lately. They do this deep analysis to have a better understanding of where to put their money for winning big.
The betting world is always changing; what works today might not work tomorrow. People who win at gambling know how to change their plan when things are different. If you can change your way of playing at a poker table or how you bet on sports, being able to adapt is what makes someone really good at gambling.
Make large bets, win even larger — this saying of successful people who gamble speaks to them because they know gambling is not just about luck. It involves careful skill, planning and a feeling inside you can trust. When you learn how to manage your money, keep up-to-date and adapt when needed, you can handle the exciting gambling life with sureness. When dice are thrown or cards given out, people who know these secrets usually win more often than not. So, are you ready to dive into the gambling universe with this new knowledge and confidence?
In today’s fast-paced, digital-centric world, businesses of every size are leveraging technology to streamline operations, reduce errors, and increase productivity. One area witnessing immense digital transformation is invoicing.
The traditional manual invoicing is being rapidly replaced by invoicing apps, with small businesses leading the charge.
This article delves into the benefits of transitioning to a digital invoicing system and how it can revolutionize the way small businesses manage their finances.
What is an Invoicing App?
An invoicing app is a software tool that allows businesses to create and send electronic invoices to their customers. The app automates the invoicing process, making it faster, more accurate, and more efficient compared to the traditional paper-based method.
Invoicing apps also offer additional features such as tracking expenses, managing inventory, and generating financial reports.
Some advanced invoicing apps even integrate with accounting software, making it easier for businesses to manage their entire financial system in one place.
What Features Should You Look for in an Invoicing App?
When choosing an invoicing app for your small business, there are several key features to consider. These include:
Benefits of Using an Invoicing App in Small Businesses
There are numerous benefits of transitioning to a digital invoicing system, especially for small businesses. Let’s take a look at some of them:
Save time and money
Manual invoicing is a time-consuming process that involves printing, mailing, and manually tracking payment status.
With an invoicing app, all these tasks are automated, saving businesses valuable time and resources.
Moreover, using electronic invoices eliminates the need for paper and postage costs, resulting in significant cost savings for small businesses.
Seamless Integration with Accounting Software
Many invoicing apps can integrate or a part of management software, making the invoicing process even more seamless.
When choosing the right small business management software, it’s essential to consider the invoicing features and how well they integrate with your accounting software.
This integration eliminates manual data entry and reduces the risk of errors, saving businesses time and resources.
Enhanced Efficiency
Invoicing apps streamline the entire invoicing process, from creating and sending invoices to tracking payments.
This not only speeds up the payment cycle but also reduces errors and improves accuracy.
With all financial information stored in one place, businesses can easily access and manage their finances, thereby increasing efficiency.
Improved Cash Flow
Late payments can significantly hamper a business’s cash flow.
Invoicing apps allow businesses to set up automatic reminders for overdue payments, reducing the chances of late payments and improving cash flow.
Better Customer Experience
Electronic invoicing offers a more convenient and hassle-free experience for customers.
They no longer have to wait for paper invoices to arrive in the mail or deal with the hassle of writing and mailing checks.
With online payment options, customers can easily pay their invoices with just a few clicks, improving their overall experience with the business.
Real-Time Insights
Invoicing apps provide real-time visibility into a business’s financial status.
Business owners can track payments, monitor expenses, and generate reports to gain valuable insights into their financial health.
This allows them to make informed decisions and adjust their business strategies accordingly.
Manual Invoicing vs. Invoicing Apps
Conclusion
This article reviewed the benefits of using invoicing apps for small businesses. Invoicing apps automate and streamline the invoicing process, reducing manual effort and saving time and resources.
They also provide real-time insights into a business’s financial status, allowing owners to make informed decisions for their business. Compared to manual invoicing, invoicing apps offer more control over cash flow management and reduce the risk of errors and lost invoices.
Overall, using an invoicing app can greatly benefit small businesses by improving efficiency, accuracy, and cash flow management. It is a worthwhile investment for any business looking to streamline their invoicing process.
In the digital age, online dating has become an increasingly popular way to meet potential partners. It offers a convenient and accessible platform for people of all ages to connect with others, expand their social circles, and potentially find love. However, just like in traditional dating, there are certain dos and don’ts that can significantly impact your online dating success. In this blog post, we’ll delve into expert advice on online dating to help you navigate this virtual world of romance.
One of the most crucial aspects of online dating is being honest about yourself. It’s essential to create an authentic profile that accurately represents who you are. Use recent photos and provide accurate information about your interests, hobbies, and what you’re looking for in a partner. Honesty is the foundation of any successful relationship, and it starts right from the beginning with your online dating profile.
Not all dating apps or websites are created equal. Different platforms cater to different demographics and relationship goals. Before you dive in, take the time to research and choose a platform that aligns with your preferences. Whether you’re looking for a long-term commitment, casual dating, or something in between, with hot russian mail order brides, there’s a platform out there for you.
Online dating can be exciting, but it’s essential to take your time when getting to know someone. Don’t rush into things too quickly. Take the time to exchange messages, have phone or video calls, and get to know the person before meeting in person. Rushing into a physical meeting without a proper connection can lead to disappointment or even safety concerns.
Online safety should be a top priority when dating online. Always protect your personal information, such as your home address, phone number, or financial details. Arrange to meet in public places for your first few dates, and let a trusted friend or family member know about your plans. Trust your instincts, and if something feels off, don’t hesitate to end the conversation or the date.
Online dating opens up a world of possibilities, and you may encounter people from diverse backgrounds and with different perspectives. To increase your chances of finding the right match, be open-minded and willing to explore connections with people who may not fit your initial “ideal” criteria. You might be pleasantly surprised by the connections you make when you step outside your comfort zone.
Effective communication is key in online dating. Be clear and direct about your intentions and what you’re looking for in a relationship. This will help you and your potential partner avoid misunderstandings and ensure you’re on the same page from the start.
Just as honesty is a crucial dos, misrepresentation is a significant don’t in online dating. Avoid using old or heavily edited photos that don’t reflect your current appearance, and don’t lie about your age, job, or other important details. Trust is vital in any relationship, and starting with a lie can quickly lead to disappointment and mistrust.
Online dating can sometimes be challenging, and you may encounter rejection or ghosting. It’s important not to get discouraged easily. Rejection is a natural part of dating, whether online or offline, and it doesn’t reflect your worth as a person. Keep a positive attitude, and remember that the right match is out there; it may just take time to find them.
If you notice any red flags or warning signs in your interactions with someone online, don’t ignore them. These can include inconsistencies in their stories, pushy behavior, or disrespectful comments. Trust your instincts and prioritize your safety and well-being above all else.
While it’s essential to be open-minded, it’s equally important not to settle for a relationship that doesn’t meet your basic needs and values. If you find yourself consistently compromising on things that are important to you, it may be a sign that the relationship isn’t the right fit. It’s okay to have standards and boundaries.
On the flip side of not settling is not being too quick to judge. Online dating profiles can only reveal so much about a person, and sometimes a great connection may not be immediately apparent. Give people a chance, and try not to dismiss potential matches based solely on superficial criteria.
Online dating can be a rewarding experience when approached with the right mindset and strategies. By following the dos and don’ts outlined in this article, you can navigate the world of online dating more effectively and increase your chances of finding genuine connections and, ultimately, love. Remember that patience, honesty, and clear communication are key, and always prioritize your safety and well-being throughout your online dating journey. Happy dating!