Strategies of Cryptocurrency Finance

Strategies of Cryptocurrency Finance

After the global financial crisis in 2008, Satoshi Nakamoto invented a virtual currency called Bitcoin to solve the world’s economic problems.

The hype of cryptocurrency reached its pinnacle when Bitcoin hit $19,000 at the end of 2017. That was when most people found out about Bitcoin and other cryptocurrencies.

Since then, Bitcoin and other cryptocurrencies lost more than 80% percent of their value. Many pundits claimed that cryptocurrencies were a Ponzi scheme and a bubble that would burst.

So far, the bubble hasn’t burst, and most cryptocurrencies have regained a large share of the market. 

As talks of worldwide adoption of cryptocurrencies brews, most people are curious about what they are--and about their benefits.

How To Make Money From Cryptocurrencies

Long-Term Investing

Although cryptocurrencies are meant to be used as a virtual currency in exchange for goods and services, investors can buy cryptocurrencies and keep it in their virtual wallets. 

Exchanges such as Coinbase, Binance, and Uphold permit individuals or companies to purchase cryptocurrencies by depositing flat currency into their virtual wallet and exchanging it for cryptocurrency. 

After the purchase, the investor can keep the coins in their virtual wallet or take it off the exchange by transferring the cryptocurrency to a hardware wallet such as the Ledger Nano S.

Investors in cryptocurrencies should not be surprised to see high volatility in the price since the cryptocurrency market is unregulated and manipulated by whales--investors who own the majority of the cryptocurrencies and have the ability to impact the market.

Most investors who purchase company shares on the stock market, usually, receive a 10-20% annual return in a booming market.

Investors who purchased Bitcoin in January 2017 would have paid around $1,000 for one coin and could have sold it for $19,000 by the end of the year. That is a return of 1900% in twelve months. 


Much like the foreign exchange and stock markets, brokers allow individuals to trade cryptocurrencies. A trader would register with a brokerage and deposit money into their account to buy or sell a cryptocurrency against fiat currency.

Traders in forex and stock markets use technical and fundamental analysis to determine the direction of the price. Fundamental changes in an economy have a great impact on currencies and are monitored. The problem with cryptocurrency trading is that technical analysis does not hold much weight due to market manipulation.

Retail investors, otherwise known as individuals who trade, are incapable of manipulating the market due to the foreign exchange market comprising of $5 trillion daily transactions. 

Bottom line:

Cryptocurrency traders struggle to use fundamentals to analyze the market.

Whales, individuals who own the majority of the coins, can increase or decrease the price of the coins by market strategies such as pump and dump. 

Although traders use chart patterns such as the double bottoms and triangle breakouts as they would in forex and stock markets, whales can manipulate the market any time, thereby undermining the credibility of chart patterns.


If one does not want to risk their money in investing or trading cryptocurrency, another option to earn it is by mining.

Here’s the truth…

This doesn’t involve putting on a hard hat and grabbing a pickaxe. 

Cryptocurrencies operate on blockchain, a system that records transactions across several computers linked in a peer-to-peer network.

When a person makes a purchase or sells with Bitcoin, that transaction is recorded on the blockchain. With fiat currency, banks record transactions made in-store or online. In the cryptocurrency sphere, miners are responsible for keeping transactions on the blockchain. (1)

Miners earn Bitcoins by verifying transactions. That sounds easier than in practice. Miners have to verify 1 megabyte worth of transactions and must solve a complex computational math problem known as proof of work. 

The miner’s job is to come up with a 64-digit hexadecimal number called a hash, which is less than or equal to the target hash. The chances of a computer producing a hash below the target are 1 in 6 trillion. The more miners compete for a solution, the more complex the problem becomes. If that wasn’t difficult enough, miners also have to be the first to produce the hash to earn Bitcoin.

Bitcoin mining also requires the miner to invest in mining hardware Application Specified Integrated Circuits (ASIC). (2) 

The damage: 

The cost of a good ASIC is around $3,000. 

Miners will also have to install software to perform the transactions. Software such as CGMiner, MultiMiner and BFGMiner are available as a free download.

Don’t be surprised if your electricity bill skyrockets since Bitcoin mining consumes a tremendous amount of electricity.


Investing in cryptocurrency does not mean that the investor has to rely on the price to increase in order to earn profits.

Investors who want to make money from cryptocurrency can send their coins to exchanges to earn interest.

A popular cryptocurrency exchange Uphold offers investors 5% interest for their cryptocurrencies if they keep them on the exchange. Uphold also allows investors to earn up to 10% interest when they loan certain digital assets to CRED.

That requires investors to hand over a certain amount of cryptocurrencies for a fixed period. After the agreed period lapses, the lender will earn interest and receive their initial investment.

Different Cryptocurrencies

Coinmarketcap, a platform that tracks capitalization of cryptocurrencies, has more than 2,000 listed digital assets.

Considering there are so many coins on the market, how does a novice know which one to invest in? A Bitcoin billionaire said that one should start from the top and work their way down.

The top three coins on the cryptocurrency market are Bitcoin, Ethereum, and Ripple.

While most pundits in the crypto community view Bitcoin as a store of value such as gold, many want Ripple to be adopted as an official coin that banks will use for cross-border transactions.

How To Use Cryptocurrencies

The cryptocurrency market is in its fledgling stages, meaning that most people don’t use it for its intended purpose: 

To conduct cross-border transactions.

Most people in the crypto community have purchased digital assets to make profits of it as an investment tool. They buy low and wait for the price to surge so that they can sell.

Why not use cryptocurrencies to purchase goods and services? 

Well, you can. And you should. 

The most notable purchases using Bitcoins include supercars such as Lamborghinis and mansions in California. 

How is cryptocurrency different from fiat currency? 

Imagine a world where you can send a letter, and it arrives across the world in seconds. That’s called e-mail.

If we can send letters across the globe in seconds, why can’t we do that with money? The standard process of sending money across borders requires a person to use institutions such as SWIFT or Western Union. 

That includes filling out forms, paying high fees and waiting hours, even days, for the transaction to reflect. 

Cryptocurrencies have solved all those problems. 

To send money across the world, one can circumvent third parties such as Western Union and conduct the transaction from the comfort of their homes. Not only will they not have to fill out forms, but they will pay a fraction of the fees and will conclude the transaction in seconds. 


Register an account with an exchange. 

Then fund your account with the fiat currency of your choice. Exchange your fiat currency with a cryptocurrency by buying it on the exchange. Once you’ve converted fiat into cryptocurrency, send it to a wallet anywhere in the world. The beneficiary will receive the cryptocurrency in a few seconds or hours, depending on the coin, and can convert it into local fiat currency by selling the cryptocurrency on their exchange.

No more waiting in lines or filling out forms, not to mention presenting documentation to confirm your identity and waiting days for the money to reflect in the beneficiary’s account.

If cryptocurrencies are so wonderful, why isn’t there worldwide adoption? 

The biggest problem in the cryptocurrency market is regulation. Investors don’t want to invest in an unregulated asset class.

Although the New York Stock Exchange and NASDAQ plan to add a Bitcoin Exchange Traded Fund (ETF), they are waiting for the Securities and Exchange Commission (SEC) to regulate the cryptocurrency market.

Billionaires such as Mike Novogratz and Tim Draper have invested in Bitcoin. Wall Street is waiting for regulations before it dips its fingers in the cryptocurrency pie.

The cryptocurrency market capitalization peaked at the end of 2017 when it reached almost $900 billion before plummeting to around $200 billion. Cryptocurrency pundits expect the market to receive a multi-trillion dollar injection once Wallstreet gets onboard.  

Will that happen? 

Nobody can predict the future. That hasn’t prevented the mainstream media from proclaiming cryptocurrencies dead every time the market crashes. According to the mainstream media, Bitcoin has died more than 350 times.

Regardless of how much value cryptocurrencies lose, the main ones have never dropped to 0. Ponzi schemes and bubbles such as Enron and Bernie Madoff lost all of their value once exposed. 

At the time of writing, the price of one Bitcoin is $10,600. How many public companies can say that the price of their company share is anywhere near that?  

Facebook’s share price is $204, while Google’s price is $1,145. Those are some of the biggest companies in the world, with worldwide adoption. 

A survey revealed that only 8% percent of American have invested in cryptocurrency. (3)

With Bitcoin reaching a high of $19,000 with only 8% of Americans invested in the digital asset market, what price will it reach when there’s worldwide adoption?

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5 Tips To Help You Start Saving Money

5 Tips To Help You Start Saving Money

Your very first job is exciting isn’t it? You’ve already got butterflies in your stomach and several ideas about how you’re going to spend your first paycheck.

The last thing you want to think about is your retirement. However, before you receive your first paycheck is the best possible time to create your budget checklist.

The sooner you start saving the better off you’ll be in your later years, and you don’t have to just save for your retirement either. It’s wise to start saving now for those big-ticket items like your first car, your first home, or perhaps even your wedding.

Do I Really Need to Create a Budget Checklist to Save Money for My Future?

Here’s our first tip for saving money: Create a budget checklist, right from the word go and make sure you follow it. If you set aside money for savings from your very first paycheck, you’re not going to miss that cash at all.

A good place to start when creating a budget is to make sure all your regular bills are paid first. These include rent, utilities, phone, internet, food, travel, insurance etc. After they’ve been paid, you can put aside money for things like entertainment and clothes.

We’ve found 5 of the most helpful tips that you need to include in your budget checklist if you want to be able to splash out every now and then or buy that luxury condo for your retirement.

Turn the Television Off

press turn off of tv remote

Obviously, the first money saving advantage of turning your tv off is that you’re going to save money on electricity and cable subscriptions, but there are others you might not have considered.

Spending less time watching television will give you more time to pursue other interests. You could start a side hustle, for example, and who knows, it may even turn into a full-time business for you.

Another advantage of turning off your tv is that you won’t be bombarded with commercials every seven minutes or so. Commercials tempt you to spend money, that’s what they’re for and often, particularly during meal times, those commercials are encouraging you to buy food. And we all know that’s not usually healthy food.

Turn your television off and use the money you save to invest in training or a small business venture.

Customer Reward Programs are Your Friend


Today’s retailers know the advantages of offering customer reward programs to their customers. It may take a while to earn enough points to receive a substantial reward, but if you’re going to buy those products anyway why not buy them from a retailer that’s going to reward you for being a loyal customer?

Host a Swapping Party


This tip is a two-for-one. Swapping parties can be enormous fun and they’re a great way of saving entertainment money.

Add the cost of nibbles to your budget checklist and once a month, host a swap party. You’ll save on “going out” money, you’ll spend some time with friends, and you can all take turns at hosting a party.

What kinds of things can you swap? The list is endless: clothes, books, video games, CDs, DVDs, sports equipment are all possibilities. You can even swap skills and services.

Do you need to create a website for your new side hustle? Ask your IT genius friend to do that for you while you do their housework.

Learn how to Do-it-Yourself

girl kayaking

We don’t advise doing your own electrical repairs, however, there are a lot of other things you can do yourself instead of paying someone else. Why don’t you borrow your Mom’s sewing machine and repair or alter your clothes?

You could grow your own vegetables and if you don’t have enough space for a garden you can always grow herbs in window boxes.

Making your own gifts is a great money saver and everyone appreciates the amount of time and thought that goes into creating them. And don’t forget that anything you make, you can also sell.

Buy Generic Products Wherever Possible

apples in the market

Your friends don’t care if you use a $5 moisturizer rather than a $40 brand name. And if they do care? Get some better friends.

Despite what the commercials tell you, cheaper products often work just as well as more expensive ones. There’s also no need to buy a separate cleaning product for every different household surface.

There is very little in this world that can’t be cleaned with a mixture of baking soda and white vinegar.

Why Shouldn’t I Enjoy My Money for a While Before I Start Thinking About Saving?

Because that will make it so much harder. The earlier you start saving money, the more you’ll have available when you need it. This life is an unpredictable thing and you can never be sure when you’re going to be hit with an unexpected expense. recommends that your emergency fund has enough money in it to pay your essential expenses for 3 to 6 months. Keep that in mind when you’re creating your budget checklist and there shouldn’t be any nasty surprises in your near future.

Best Graphing Calculator: Top 5 Picks

Best Graphing Calculator: Top 5 Picks

Are you in the market for a new graphing calculator?


 The options can be overwhelming as technology becomes more and more advanced, so it is a good idea to know exactly what you are looking for and what you should watch out for.  


This product is necessary for pretty much all highschool and college math (and some science) classes at this point. Lesson plans and curriculums include how-to advice for them, and problem solving is often primarily taught on them. Because of this, owning one is incredibly convenient and preferred for most students.


These learning tools come in all sorts of designs, brands, sizes, qualities, and price ranges. There are also options that are better for certain types of math and science as well. Once you know what you are going to be using it for, and what you are able to afford, the search for your perfect graphing calculator becomes much easier.


Let’s get started!

How We Chose Our Ratings

black and gray graphing calculator

To make sure you choose the best option for your needs and price range, we strive to be as accurate with our reviews as possible.


By going over customer’s testimonies and reviews, we are able to choose which items have been the most well-received and why. This provides us with a wide range of people from different walks of life who are using the calculators for different things-allowing us to be as varied as possible with our choices and reviews. It can also provide insight into issues that multiple people are having, which can stop you from purchasing something that has widespread problems.


 We also make sure to be as honest as possible with our product choices, by researching data about the products and knowing what users are saying about them. Nothing is excluded from these reviews- good or bad. Knowing both what makes a product worth buying and its possible shortcomings is vital for a well-informed purchase.


To make sure that the technical features of each graphing calculator are covered, we also do intensive research on what each product offers using reliable, technologically savvy sites. That way you will be well-educated on what each model offers whether you are a complete expert or a novice.


These are all incredibly important for our trusted, reliable, honest, and accurate reviews.

It’s very important for us to make sure that you are getting the best graphing calculator, as well as the exact product you thought you were buying. By making sure we are as transparent as we can be, you are sure to get exactly what you researched.

graphing calculator on a red cloth
Casio fx-9750GII Graphing Calculator with icon based menu. Color...
  • Large 21-character x 8-line display and Icon menu provides easy access to advanced functions.
  • Graph rectangular, polar and parametric functions and inequalities, graphical analysis, streamlined solving for...
  • Capable of graphing x= relations. Built-in graphing of conic sections. Interactive Equation Solver.

If you are looking for a calculator on the cheaper side, and just want it for more basic functions, the Casio fx-9750Gll is a great option.


This product has the option to make pie charts and bar graphs, has an interactive equation solver, has a high-resolution LCD display for the screen, and also offers AP Statistic features.


In addition to those qualities, the calculator allows you to connect to it through USB. This means that you are able to easily share data with other calculators, or even connect it to a PC. It is also allowed on most tests for high schoolers and college students, including the PSAT/NMSQT, SAT, and ACT college entrance exams and AP tests.


The software for the graphic calculator is fairly simple. For a learning tool, Casio has made sure to make it comfortable for students of different ages and capabilities.


Now since it is a simpler model than some of the other products we will cover on the list, it does not have all of the options and tools that other graphing calculators have.


If you are a highschool student, the reviews do mention that a teacher may have a more difficult time teaching someone who doesn’t have a Texas brand calculator. Often times those are the calculators used in specific lessons, so keeping up to date on the user’s manual and comparing its functions to a TI model may be an important part of owning this product.

Texas Instruments Ti-84 plus Graphing calculator - Black
  • Real and complex numbers calculated to 14-digit accuracy and displayed with 10 digits plus a 2-digit exponent. Graphs 10...
  • Sequence graphing mode shows time series plot, cobweb/stair-step plot, and phase plots. User-defined list names. Lists...
  • Interactive analysis of function values, roots, maximums, minimums, integrals, and derivatives. 7 different graph styles...

This is one of the most popular and well-known options on the market. Texas Instruments makes many varieties of graphing calculators for students in all different math classes. The Ti-84 Plus is well-loved by both kids, parents, and teachers alike- a lot of classes are even taught with the calculator’s steps ingrained in the curriculum.


You are given almost endless choices for what this calculator can be used for. Between sequence graphing mode, horizontal and vertical split-screen options, real and complex numbers being accurate up to fourteen digits, and mass amounts of matrix operations and plot definitions- this is one of the best graphing calculators for the average student.


The price is moderate for this design-it doesn’t have the full-color display, and you would not be able to use it for mechanical engineering, differential equations, electrical engineering, or any detailed science work. However, for any major math classes like calculus, statistics, etc. this is a fantastic, affordable model.


For a few dollars more, you can actually get it with the Frustration Free packaging as well- making it easier to open with way less packing material.

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 If you are looking for something in a similar price range as the last product on this list, but you want a color screen as well- the HP Prime Graphing Calculator is a fantastic choice.


The aesthetic of this calculator is a little different than a lot of other options that you will come across. For example, this learning tool is completely encased in metal, giving it a more sleek, modern look. It is also backlit, making it useful in any sort of lighting.


It also has many unique features, including the ability of pinch-to-zoom on the screen, buttons that allow you to switch between different types of graphing (symbolic, numeric, graphical), and built in apps for Spreadsheet and Statistics as well.


 In addition to that, you are also able to connect wirelessly and download a mobile app for the tool, making it effortless to switch between them and solve problems on the go.


Another unique feature to this product is the ability to upload personal photos to it- allowing you to manipulate a function to it and connect the math problems you are doing to real-life situations. Just looking at a plain graph can make math problems difficult to apply to scenarios you actually come across, so this is an excellent feature for someone who learns visually.


If you are worried about replacing it after years of wear and tear, you can also add either a three or four-year protection plan for only a few dollars more! The 3-year plan comes out to $. And the 4-year plan will cost you $. That way you are not stuck buying a completely new product if something happens to it.

Texas Instruments Nspire CX CAS Graphing Calculator
  • Ideal for Pre-Algebra, Algebra 1 & 2, Trigonometry, Geometry, Pre-calculus, Statistics, Business & Finance, Biology,...
  • Full-color screen with backlit display.
  • All the functionality of the TI-Nspire CX handheld plus a built-in Computer Algebra System (CAS)

Looking for something more suited for engineering? The Texas Instruments Nspire CX CAS may be the best graphing calculator for you.


With this tool, you are able to graph and use all kinds of science and math concepts on either digital images or your own pictures. The brightly colored, backlit display also makes it incredibly easy to use no matter where you are.


Geometry is made much simpler on this design as well. You are able to create and explore figures and design your own animations for the problems you are solving.


You also have the capability to add in your own notes or instructions next to the math being done on the calculator. This makes it very easy to keep track of what you are doing and teach it or show it to someone else if necessary.


The outside of this calculator is also a very convenient and useful design. It is actually the lightest and thinnest TI calculator ever made at two inches thick and weighing only 15.2 ounces. The screen is 3.2 inches across diagonally and has a screen resolution of 125 DPI.

HP G8X92AA LA Prime v2 Graphing Calculator
  • Engineering; Computer science; Surveying; Trigonometry; Statistics; Geometry; Biology; Chemistry; Physics
  • 2-D Function, Polar, Parametric Plot; Differential Equation, Bar Plot; Histogram, Scatter Plot; Find: Intersect,...
  • Decimal hrs/hrs min sec conversions; Polar/rectangular conversions; Angle conversions; Base conversions and arithmetic;...

The HP G8X92AA LA Prime v2 is fantastic option for those of you looking for the best of the best in scientific calculators. This product can pretty much do anything your mind can come up with when it comes to a math or science problem.


You are provided access to Advanced Graphing, Dynamic Geometry, CAS, and many other useful applications at your fingertips. Also included are-2-D Function, Polar, Scatter Plot; Find: Intersect, Extremum, Slope, Trace, Co-ordinates, and display and printer graphics, along with many other awesome features.


With a very similar keyboard to previous calculators by this company, users of HP’s older products should have little trouble adapting to this new design. The screen is a little larger than the other learning tools we looked at- this one gives you 3.5 inches across diagonally.


Another neat and unique feature of this calculator are the extra accessories that you are able to add to your purchase. For $$, you are able to McAfee Total Protection (premium antivirus software) to the device. The other optional choice you can purchase is a year’s subscription to Microsoft Office 365 (offering you Word, Excel, PowerPoint, Outlook, and OneNote), which adds an additional $$$ to the price of your calculator.

Buyer’s Guide for the Best Graphing Calculator Choice

graphing calculator monitor

Now that you have seen some of the best choices out there-how do you actually make the decision on which one to buy?


Above all else, it is important to think about what you will be using this for.


If you are simply using this for an AP Calculus class in highschool, and want something basic for it, the TI-84 Plus or the Casio fx-9750GII may be the best fit. However, if you need something more intricate and complicated for something like engineering-you might consider the Texas Instruments Nspire CX CAS Graphing Calculator. You may also want to consider what your curriculums or tests allow you to use.


Another important aspect to consider is what you can afford. The prices of these calculators range from about $$ and $$, so you have a lot of variety to work with.


Lastly, do not forget to think about the features and qualities that you want most in a calculator. Really wanting one with a colored screen? Not all graphing calculators have one of those. Making a list of what you want and need can be a huge help to finding the best graphing calculator for you.

Last But Not Least

To conclude, your graphing calculator will be an extremely useful learning tool for many years to come. While technology does advance quite quickly, these particular choices will stay relevant and helpful for the foreseeable future.


Balancing prices and qualities are much easier when you have considered all the factors of purchasing a new calculator. We are confident that there is an affordable, helpful choice on this list for everyone.


Which one of these looks like the best graphing calculator choice for you? If you already have one of these products, what do you like best about it? Which one would you personally recommend?

5 Things You Should Know About Bitcoin

5 Things You Should Know About Bitcoin

Cryptocurrencies have erupted over the past year.


These currencies are nothing new.


For years, people used these coins to trade goods and services (mostly illegal drugs) on the Dark Web in places like the late Silk Road.


Those days are gone, dozens of new cryptocurrencies emerge every day.


While many people rushed to purchase crypto when the Bitcoin price skyrocketed in November, most don’t understand the risk and many other factors.


As the price crashes, many people find themselves asking “wait, what is Bitcoin (BC) and how does it work?” It’s too late for some of them. Advocates will tell you now is the time to buy – but is it?


Here’s what you should know about the Bitcoin value, Ethereum price, and cryptocurrencies in general.


  1. What Is Bitcoin Exactly?

BC is what’s known as a cryptocurrency. Unlike traditional monies, BC and other cryptocurrencies are decentralized (well, kind of) through the use of technology called blockchain.


Blockchain is an interesting system created by a notorious – and elusive – figure named Satoshi Nakamoto. No one knows much about Satoshi or if he (?) really exists. It’s generally understood that Satoshi is, rather, a concept for the group of people who created blockchain.


Confused yet? It gets worse.


Blockchain is a series of blocks or digital records which are all linked in some way. Cryptography ensures these blocks stay secure through a special form of encryption.


Crypto-currency: get it? What is Bitcoin? A specific type of cryptocurrency secured using blockchain technology.


  1. Where Does Bitcoin Value Come From?

That’s a great question. Unfortunately, there isn’t one correct answer.


Crypto advocates will tell you that since BC is independent from the global dollar system, it’s value is determined by this decentralized network: users determine the value.


This is somewhat true, but what defines value?


In one sense, the only value that BC holds is as a method of exchange.


But what is being exchanged? Traditional fiat currencies which you’ve acquired through labor and other methods – all of which rely on the global dollar system for their value.


There are two ways to acquire BC and cryptocurrencies: purchase them with “real” money, or mine it. In order to mine BC, you need a heavy-duty computer system that solves complex puzzles (this is an over simplification).


Most people purchase BC with their country’s traditional currency. Although advocates tout crypto as a competitor to the global dollar system, these currencies are measured against fiat like the U.S. dollar. Plus, in order to purchase crypto, you need a standard bank account to transfer funds.


In fact, cryptocurrencies are very reliant on governments and economies for determining their number values. When governments impose regulations or large corporations announce they will accept BC, this makes the value fluctuate – and drastically.


  1. Beyond Just Bitcoin Price: Transaction Fees are Completely Unaffordable for Both Users and Businesses

If you’ve never purchased Ethereum, BC, Litecoin, or any other cryptocurrency, you may not realize how much it actually costs.


An average transaction fee costs $28 – average.


Want to upload fiat funds to your digital wallet? Pay a fee. Want to purchase BC with funds from your digital wallet? Pay another fee. Is it time to sell because the price skyrocketed? Yep, another fee.


Cryptocurrency exchanges like Coinbase charge a lot of money for moving even small amounts of monies. In many respects, this is holding back potential progress in the industry.


It’s almost impossible for businesses to offer cryptocurrencies as a payment method for this reason.


  1. Think Income Inequality is Bad? The Cryptocurrency World Isn’t Better

In the “real world,” 1% of the population control more wealth than the entire 99% combined. In the cryptocurrency world, 1,000 people control 40% of all BC. Keep in mind that it’s difficult to calculate exact figures for inequality so this is more of an estimate.


This inequality doesn’t help the argument that BC is “decentralized.”


Combined with other factors, those 1,000 people can drastically influence the value of cryptocurrencies. If all 1,000 decided to sell everything tomorrow, the price would plummet. This would leave folks who invested their last $500 (or sold their home to purchase BC) out in the cold.


  1. The Ethereum Price is Low, Could This Make You Money?

Perhaps. Ethereum is one of the up-and-comers of the cryptocurrency world along with BC Cash and Litecoin.


If the Ethereum price is low, you could buy a little, but don’t invest your life’s savings. At the time of writing this, Ethereum costs $530 – down about 40% for the month.


If you’re looking to make money in crypto, you’re better off buying something like Ethereum and riding it out. However, there are dozens of cryptocurrencies: nearly every state government and major company is developing their own.


Deciding which one to purchase is just as much – if not more – risky than the traditional stock market.


Invest wisely, just don’t lose your home.

For The Student: The Best Scientific Calculators Available

For The Student: The Best Scientific Calculators Available

If you’re entering middle school, or high school, and you’ve been told you need to get a scientific calculator for your math classes, you might be freaking out about now. All those buttons, and functions, and things you can’t identify are kind of overwhelming. We’ve pulled together information to help you not only better understand using a scientific calculator, but to help you find the best scientific calculator for your needs, as well.


First, let’s start with an understanding of what a calculator is, and why they came into existence.

A Short History of the Calculator

The long history of the calculator can be traced back to the abacus, a hand operated counting machine that uses beads on rods. This device was first employed by the Egyptians and Sumerians around 2000 BCE. This revolutionary tool sped up the counting and subtracting process by using multiple rows of beads to represent tens, hundreds, thousands, and so on. This concept was so effective that people found no need for the technology to change from nearly 3,600 years.


The next development towards the modern calculator came about in the 17th century AD. This development was called the slide ruler. The slide ruler is a sliding stick that uses logarithmic scales to allow the user to do rapid multiplication and division. Later developments with the slide rule allowed for its use in square roots, exponents, logarithms, and trigonometry. The first calculator that made use of mechanical function was created in 1642. This device was invented by French mathematician Blaise Pascal. This machine utilized geared wheels, and could add and subtract two numbers by direct input. By the utilization of repetition, the machine could be used to multiply and divide, as well.


The next innovation in calculating machines was that of a four-function device. This invention came about in 1820: Thomas de Colmar’s Arithmometer. The first commercially viable counting device would not be manufactured until 1851. The next great innovation in calculating machines came about in 1887, when Dorr E. Felt made a calculating device that could be operated by push buttons. Next, electronic calculators began their life in the 1930s, as the world faced the impending likelihood of another war. Two war time needs really drove the development of an electronic computing device. The first need was making the use of anti-aircraft and bombers more effective. The second reason was the growing challenge of code breaking. These needs led to the first all-electronic computer called Colossus.


Then, in 1948, a pocket-sized version of the mechanical calculator was released. This new machine was called the Curta Calculator. The world’s first completely electronic desktop calculator was released in 1961. This device was called ANITA, which stood for A New Inspiration To Arithmetic/Accounting. The calculator used push button key technology mixed with vacuum and cold cathode tubes. For three years this sold without competition until transistor driven calculators appeared. At this point, numerous companies around the world released a series of transistor driven calculators. Innovations came from different companies in different countries. Toshiba, for example, created the Toscal BC-1411 which utilized an early form of RAM.  From the Italian manufacturer, the Programma 101 could read and write to magnetic cards and used a built in printer to display computations.


These innovations led up to a company called Texas instruments releasing a landmark device in 1967. This device was called the Cal Tech. This was a calculator that could do a multitude of functions while being compact enough to be hand held.

Types of Calculators

There are a number of calculator types.


  • Financial
  • Graphing
  • Scientific

There are, of course, also a variety of online calculators with specific functions, such as pregnancy, BMI, water, and calorie calculators. Each of these specifically functional calculators meet very specific needs with algorithms programmed into them to find the correct results. While all types of calculators can serve incredibly important functions, today, we’re focusing on scientific calculators.

What is a Scientific Calculator?

sci cal

Scientific calculators are hand-held calculators which are designed for aiding in solving problems in mathematics, science, and engineering. Commonly, most people are first exposed to these types of calculators in middle and high school, while taking various mathematics courses.

 Defining features commonly found in scientific calculators include:


  • Logarithmic functions
  • Trigonometric functions
  • Scientific Notation
  • Floating Point Arithmetic
  • Roots and Exponential Functions beyond the square root
  • Fraction Calculations
  • Calculus
  • Unit Conversion


They are designed for use in various math types such as:


  • Pre-Algebra
  • Algebra 1 and 2
  • Statistics
  • Physics
  • Geometry
  • Trigonometry

How to Use a Scientific Calculator

When taking higher level mathematics, students will find that a scientific calculator becomes an important tool for time efficiency. However, if you have previously only used a standard, or “normal” calculator, you may feel a little intimidated by the various buttons and functions on a scientific calculator. For help with overcoming this intimidation, you can look online for help. A tutorial, or step-by-step manual would offer ways for you to become better acquainted with, and proficient with your scientific calculator.

1. Identify the Functions on Your Calculator

2. Understand the Order for Use

3. Test Out the Calculator

The Best Scientific Calculators on the Market

Now that you have a basic understanding of how to use a scientific calculator, the next step is finding the right one for you. We’ve pulled together a list of options. Each calculator is ranked highly among real life users on sites like Amazon.


Peruse the list, and see if any of the calculators spark a particular interest.

Casio fx-300ES PLUS Scientific Calculator, Pink
  • Easy to use
  • Good for all math
  • Approved for use

The Casio fx-300ES PLUS is a highly rated scientific calculator that’s designed for students in middle and high school. It’s got a solar-plus battery that’s supposed to give the device an extra long calculating life. The Casio fx-300ES PLUS also features over two hundred features and calculations. This calculator is approved for use on the ACT, SAT, AP, and PSAT/NMSQT exams.


Other features included in this calculator include simplified fractions and roots, a repeating decimal display and prime factorization. This calculator from Casio also allows the user to perform combinations and permutations. The display itself is designed to show expressions and results exactly as they would appear in a textbook. Another great feature of the Casio fx-300ES PLUS is a multi-replay function which allows the user to backtrack step by step through the calculation processes allowing for the ability to change expressions and recalculate answers.

Casio fx-300MS Scientific Calculator
  • 2-line display
  • 240 functions
  • Multi-replay function

Another highly rated scientific calculator is the Casio fx-300MS. Features include:

  • A two-line display
  • A multi-replay function
  • 240 different functions
  • 9 variable memories.

With a solar panel strip with backup battery, you won’t need to change on the Casio fx-300MS even after prolonged use at school or work. Reviews of this product were very positive. The reliability of this particular model was praised by a customer who had bought the same model 19 years ago and still used it till today. Whenever they needed another calculator this is the model they would turn to purchase. Several other customers had stories of having a copy of this product for over ten years and putting it to daily use with no issues. Repeat customers, and those using the same product for nearly two decades speaks pretty highly of any kind of product, let along a mechanical device that gets used often.

Casio FX300ESPLSWE Scientific Calculator, White Display
  • Scientific text book display WHT
  • Design that delivers High availability, scalability, and for maximum flexibility and price/performance
  • Made in China

Casio FX300ESPLSWE is another highly rated scientific calculator from Casio. It’s a calculator that’s designed to deliver on maximum function, flexibility, and affordability.


A major feature of the Casio FX300ESPLSWE is that it has a natural textbook display where expressions can be entered as they are written in textbook. This can be used with a wide range of coursework such as general math, biology, statistics, and geometry. Reviewers of the product gave the calculator five stars and praised the calculator’s features. One reviewer said that this calculator was perfect for a middle school program. Another reviewer said that they were excited to have a calculator that utilized variable logic.

Texas Instruments TI-30Xa Scientific Calculator
  • Sold as 1 Each.
  • Scientific calculator with 10-digit one-line LCD display
  • Perfect choice for general math, algebra 1 and 2, pre-algebra, general science

The Texas Instruments TI-30Xa has an “old school” keyboard that will enable you to properly calculate the various equations you’re working with. The TI-30Xa has been called handsome, durable, and excellent, for the reasonable price found online. The TI-30Xa is very adequate for trigonometry, algebra, chemistry, calculus, and physics, with the Sin, Cos, Tan, Pi, and Hyp keys easy to access and view.


Professors love this calculator for their students who need an easy-to-understand, easy-to-use machine that will do all the calculations needed. For those who have had issues with solar powered machines, the TI-30Xa is your solution on that, too. Powered by batteries, this calculator won’t let you down. If you need a user-friendly, durable scientific calculator with an excellent design, you definitely want to consider this one.

Casio fx-115MS PLUS SR Scientific Calculator
  • 2-line display, Fraction calculations, Integration calculations, Combination and Permutation
  • Base-n calculations / conversions, Logical operations, Complex number calculations, CALC memory, Engineering symbol...
  • Statistics(STAT-data editor, Standard deviation, Normal distribution calculations, Regression analysis)

The Casio fx-115MS PLUS SR is a highly rated scientific calculator intended for use by students of math and science at all levels. It’s intended for use at home or the office. The Casio fx-115MS PLUS SR calculator features a two-line display which exhibits ten digits in large numerals to help the user more easily keep track of what they are working on.


The fx-115MS PLUS SR also features 279 built in mathematical functions with the capability for the user to program custom formulas for future use. The layout of the fx-115MS PLUS SR makes this a pragmatic calculator to both use and own. Most reviews of this Casio calculator were positive, especially when it comes to durability and functionality. As with reviews for the other Casio scientific calculators, there were multiple reviews from people who had purchased the calculator over ten years ago and have had no issues with it despite day to day use.

Our Final Say on Scientific Calculators

As with most consumer products today, there are more options for scientific calculators than you could possibly sort through in a month.


So, ultimately, you need to understand what your budget is, and the types of functions you’ll need.


You should always read real reviews from genuine people before making any purchases, especially online, and verify that your top choice is the quality you require.


We think our suggestions for the best scientific calculators are top-notch, but we still encourage you to look on your own. Try searching Amazon or another retailing site for “the best scientific calculator” and  see what options you find.

Here’s the Secret to Saving for College

Here’s the Secret to Saving for College

College is expensive. How can you afford it?

You can’t pull money out of thin air or rob a bank.

As an adult, it’s nearly impossible to save money for school – but you have other options.

When it comes to kids, saving for college isn’t easy but it is very possible if you do the proper planning and budgeting early.

These options are as close as you can get to pulling money out of the sky.

Funding and College Savings Plans: What are Your Options?

Not all college savings plans are created equal. In fact, some can be a rip off.

It’s important to understand your financial situation and education goals before deciding which college savings plan is right for you.

Free Application for Federal Student Aid (FAFSA)

Before you look anywhere else, check FAFSA.

If you live paycheck-to-paycheck or are worried that investing in college savings plans is just not an option financially, you might be eligible for federal education funds. The level you receive is based on your personal and family financial history and college experience.

FAFSA has many benefits and the downsides are easy to manage.

  • The money is tax-free and you don’t need to pay it back.
  • The application is thorough but moves quickly and doesn’t require you to submit documents.
  • You can use the money at just about any accredited school.
  • You need to reapply every year.
  • If you’ve used FAFSA before and withdrew from your program, you may need to pay for an initial semester if you want to receive FAFSA again.
  • When you apply for FAFSA, you may also have the opportunity to receive federal student loans. (These you will have to pay back.)

Since FAFSA is essentially “free money” with no strings attached, check here before looking into a 529 plan or other college savings plans.

529 College Savings Plan

Not every 529 plan is the same. Deciding which one is best for you depends on your financial situation. Brokers often charge outrageous commission rates so beware.

  1. Prepaid Tuition 529 Plan: This allows you to pay for tuition at a two or four-year college or university upfront at the current rate. By the time the student is ready for school, their education is already paid for.
  2. 529 College Savings Plan: Earnings placed in a 529 plan are tax-deferred as they grow. Later, you can make tax-free withdrawals for qualified education expenses.

Every state offers different 529 plans – check with your home state first. If you find a good rate in your state, you may qualify for a yearly state tax deduction due to your investment.

You may, however, find a great rate in another state and that’s okay too. Check with an advisor to work out all the details.

Coverdells and Custodial Accounts

You might know Coverdell Education Savings Accounts (ESAs) as their previous name: Education IRAs.

You can use these options for investing money for a variety of educational purposes including private elementary and high school in addition to college.

ESAs provide a variety of flexible investment options. Although contributions aren’t tax deductible, you can make tax-free withdrawals for tuition and other expenses.

The yearly contribution limit is $2,000 for an ESA if your income is under $95,000 per year.

Savings Bonds

Educational savings bonds are a great way to save tax-free money for college tuition and other qualified education expenses.

However, there are a few financial limits. Couples filing jointly must make under $116,300 per year while single filers need to stay under $77,550. (These numbers apply to the 2017 tax year so future investors should use this as a general idea.)

Although the concept seems simple, college savings bonds are anything but uncomplicated. When in doubt, talk to an advisor.


When people think of scholarships, they often imagine high school students playing sports or exceeding in other activities. The truth is, there are thousands of scholarships out there for all kinds of people – just like you.

If you have a specific degree or certification picked out, look for professional organizations in that field. The American Welding Society, for example, provides dozens of scholarships each year for students of all ages. Industrial gas distributor, Praxair, also provides scholarships to welding students.

Just about every industry has companies and organizations that give out substantial scholarships – many of them go unclaimed due to lack of applicants. One or two could pay for your entire tuition each year.

Putting it into Action

The hardest part about saving for college is taking the first step.

If you’re uncertain, look for a qualified financial advisor to help guide you through the process. Seek out second opinions: your money is important and you want to make sure it’s invested in the best way possible.