Sunday, August 11, 2019

WIN $50 Bucks Worth of Bitcoin & Crypto Currency Secrets Guide (08/18/2019) {WW} with exceptions

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A REVIEW OF TEMTUM PROJECT

INTRODUCTION

Hello my dear readers, I have come across another powerful blockchain cryptocurreny project that I want to introduce you to. The name of this wonderful project is TEMTUM. It's obvious that since the inception of the blockchain technology, a lot of crytocurrency projects have emerged offering to solve one problem or the other. Some fails and some delivers. TEMTUM is coming with the aim of redefining the blockchain technology.

WHAT IS TEMTUM?

TEMTUM a transparent рlаtfоrm thаt іѕ developed bаѕеd оn open ѕоurсе bу blосkсhаіn tесhnоlоgу еxреrtѕ and іt іѕ supported bу blосkсhаіn еnthuѕіаѕtѕ from аll over thе wоrld. TEMTUM іѕ a рrоfісіеnt, quantum-secure, ultrа-ԛuісk, non-asset еѕсаlаtеd аnd еаrth аgrееаblе рауmеnt соіn аnd аn орtіоn іn соntrаѕt tо customary fіаt mоnеу (government-printed currency).

THE VISION OF TEMTUM

It offers astounding open doors that have scarcely been tended to up until now. For cryptocurrency to flourish, the blockchain should now make the following stride in its advancement. What's more, here comes temtum into play. Temtum can guarantee a genuinely disseminated, decentralized and majority rule future for budgetary exchanges. It is a future that does not wreck nature. A future for all, any place they live on the planet, where the advantages of cryptographic forms of money are accessible and open to all. We have not just observed this positive future, we have planned, fabricated, tried and observed the innovation to be the best substitution medium.

What TEMTUM is Aiming to accomplish:

It gives shocking open entryways that have so far barely been tended to. For computerized types of cash to thrive, blockchain now needs to make the accompanying step in its advancement. Moreover, that is the spot Temtum comes in. Temtum can check a truly flowed, decentralized and greater part rule future for cash related trades. It is a future that does not pound the earth. A future for everyone, any place they live on the planet, in which the upsides of cryptographic types of cash are open and accessible for all. We have not recently watched this positive future, we have arranged the development, produced it, attempted it and mapped out how it will be completed as the best method of exchange.

Who is behind Temtum ?

Temtum was built up by Dragon Infosec CTO Richard Dennis, working with his overall gathering of cybersecurity and cryptography pros, Dr Gareth Owenson, Ginger Saltos and Cintya Aguirre. Together they set out to decide issues basic in dispersed frameworks, starting with Tor and Open Bazaar, finally Bitcoin, before structure up another advancement that can be used by and composed with standard portion frameworks for and by standard people. Richard took theoretical number juggling and academic research and shaped it into a blockchain advancement known as Temporal, guaranteed by Dragon Infosec and constantly approved to Temtum. Transient has been self-sufficiently attempted (BSI) and sent into a live working framework, giving the foundations for a snappy, secure, particularly versatile and biologically conscious portion coin — Temtum.

Five Benefits of Temtum projects

Low-productive Energy — An remarkable understanding computation that does not require best in class figuring gear to confirm trades makes Temporal a greener blockchain plan.
Lightweight Block Data — Information isn't required by center points to be secured locally unendingly on machines, making Temporal uncommonly beneficial and incredibly lightweight.
Costless — Zero embedded trade costs on the framework, making Temtum a momentous advanced cash for high volume exchanges and trades.
Fast — With block confirmation taking just 12 seconds, 5 blocks for every minute, TEM trades are close minute paying little mind to the entirety being sent.
Secured — Temtum's system will have a top class security producing certainty crosswise over clients.

ROADMAP

To exhibit the specialized capacities of the temtum arrange – and what a small number of assets a hub is required to have so as to partake in the blockchain – we sent custom code on the head unit (HU) of a BMW i8 as a major aspect of a portability centered undertaking. This enabled the vehicle to work as a completely working hub, equipped for affirming exchanges as the vehicle was driven. The stacking of the code into the vehicle did not have any effect on its usefulness and had the option to keep running out of sight.

Despite the fact that the figuring power in the i8 is fundamentally not exactly customary PCs, it reliably showed the capacity to affirm 500 TPS. We accept this is a world-first where a vehicle has had the option to go about as a full hub without the necessity of extra equipment.

Two test vehicles, a BMW 220i, and the grandstand BMW i8 have been utilized during testing. As in the past improvement cycle, we didn't include any extra equipment and just the product on the iDrive frameworks were altered. We found that the BMW 220i, while an essentially less progressed as far as advanced frameworks than the i8, was as yet ready to completely take an interest and accomplish a similar degree of execution as a full hub (ready to store the Temporal Blockchain and affirm exchanges when required) as the lead i8.

Subsequent to showing that a section level BMW is completely equipped for partaking in the temtum organize as a hub, we likewise accomplished a work arrange between autos. This permitted the BMW 220i to have its own versatile system association incapacitated, leaving it without web get to and rather get information legitimately from the i8.

Getting information from the i8 to the 220i legitimately, where Temporal and all exchanges are additionally utilizing cryptography, would not present an assault vector. The capacity to speak with vehicles that don't have a functioning web association builds the open door for more seasoned autos to take an interest in the system, while expelling any portable information charges and lessening costs for system investment.

Sideloading our application into the current diversion arrangement of the more seasoned model BMW demonstrated no exhibition corruption to the driver. Testing is in progress to apply this hypothesis to more vehicle brands, including a 2018 Renault Megane, which will take into account direct cross-stage (for example from brand A to mark B) correspondence.

The greater part a-million BMW vehicles were enrolled in the UK from January 2014 to January 2017, with every vehicle more than fit for partaking in and supporting the temtum arrange. With system scale expanding assault costs, interest by means of existing versatility foundation could eventually verify temtum past levels seen with existing systems, without the requirement for costly vitality utilization.

Despite the fact that the natural effect of fuel-controlled vehicles is of some worry, utilizing innovation that is now being used and decreasing the weight of such systems as Bitcoin on global vitality assets is a positive move before increasingly manageable vehicles start taking an interest in the temtum arrange.

In the course of recent years, the Temporal Blockchain has been inquired about and created to the point we currently have a working item that is a development of the whole Blockchain innovation. Our guide returns in time, while sketching out the future for temtum.

For more information, visit any of these channels below:

WEBSITE : https://temtum.com/

WHITEPAPER : https://temtum.com/downloads/temtum-whitepaper.pdf

Message : https://t.me/temtumcommunity

Twitter : https://twitter.com/wearetemtum

Facebook : https://www.facebook.com/wearetemtum

Disunity : https://discord.gg/hs3v4g4

Reddit :/r/temtum

Medium : https://medium.com/temtum

Linkedin : https://www.linkedin.com/organization/temtum/

Youtube : https://www.youtube.com/channel/UCxEJq-piVp83Cm3yAOtQgkg

Github : https://github.com/temtum

AUTHOR'S DETAILS

BitcoinTalk Username: Degeneral002

BitcoinTalk URL: https://bitcointalk.org/index.php?action=profile;u=2160363;sa=summary

A REVIEW OF TEMTUM PROJECT

INTRODUCTION

WHAT IS TEMTUM?

THE VISION OF TEMTUM

What TEMTUM is Aiming to accomplish:

Who is behind Temtum ?

Five Benefits of Temtum projects

Low-productive Energy — An remarkable understanding computation that does not require best in class figuring gear to confirm trades makes Temporal a greener blockchain plan.
Lightweight Block Data — Information isn't required by center points to be secured locally unendingly on machines, making Temporal uncommonly beneficial and incredibly lightweight.
Costless — Zero embedded trade costs on the framework, making Temtum a momentous advanced cash for high volume exchanges and trades.
Fast — With block confirmation taking just 12 seconds, 5 blocks for every minute, TEM trades are close minute paying little mind to the entirety being sent.
Secured — Temtum's system will have a top class security producing certainty crosswise over clients.

ROADMAP

For more information, visit any of these channels below:

WEBSITE : https://temtum.com/

WHITEPAPER : https://temtum.com/downloads/temtum-whitepaper.pdf

Message : https://t.me/temtumcommunity

Twitter : https://twitter.com/wearetemtum

Facebook : https://www.facebook.com/wearetemtum

Disunity : https://discord.gg/hs3v4g4

Reddit :/r/temtum

Medium : https://medium.com/temtum

Linkedin : https://www.linkedin.com/organization/temtum/

Youtube : https://www.youtube.com/channel/UCxEJq-piVp83Cm3yAOtQgkg

Github : https://github.com/temtum

AUTHOR'S DETAILS

BitcoinTalk Username: Degeneral002

BitcoinTalk URL: https://bitcointalk.org/index.php?action=profile;u=2160363;sa=summary

What is USDQ and Q DAO

What Is USDQ and Q DAO? Complete Guide from PLATINUM ENGINEERING

Mihaill Kudryashev, a Front-end engineer at PLATINUM ENGINEERING, wrote this article while seeking to raise awareness about USDQ, a stablecoin his team is helping to develop. Among the biggest benefits, USDQ brings full decentralization and predictive capabilities. Soon there will be even more fully backed stable coins: JPYQ, KRWQ, SGDQ, HKDQ, CNYQ, RUBQ under Q DAO governance. Slowly learning more about blockchains, Mihail has been effective in transforming vague ideas into effective front-end solutions with strong UI/UX. Within his team, he’s helped many crypto startups to make their voice heard throughout the emerging global crypto community. In this article, Mihail looks into the key benefits that users win from using USDQ.

USDQ brings stability, with no need to engage legacy finance

How do USDQ and Q DAO coins work within the ecosystem?

USDQ is decentralized stablecoin, which uses algorithms to offer higher stability and reliability. It's backed by Bitcoin (another top 10 cryptocurrencies will be added in future). The elegant system places all transactions on the blockchain and empower users to execute cross-border and disintermediated transactions at any time and from any place. It's pegged to the value of USD, i.e. 1 USDQ always equals 1 USD. The ecosystem's design borrows heavily from fractional banking systems. In the nutshell, USDQ is a customer-facing stablecoin and Q DAO is an internal "operational" coin; together they help create a stabilized safe haven for anybody who's looking to hedge against rampant volatility of crypto markets.

Introduction to Q DAO and USDQ

There's a number of factors that prevent mass adoption of cryptocurrencies. The biggest factor among this is high volatility, seen in crypto. Bitcoin, the oldest and most popular coin, has been fluctuating with prices oscillating between 20,000 and 3,500 in just one year of 2018. No potential adopters, be it merchants or individuals, would be happy with suffering huge losses that such drastic changes can entail. And it's this high volatility that USDQ is set to address, bringing stability and convenience.

Tether (USDT) is probably the most well-known and widely used stablecoin. However, it has been embroiled in various controversies from the very start with no end to these in sight. Although the system is supposed to assure the 1-to-1 fiat reserves for all Tether units created, the website content has been recently changed to say that the issuer views not only cash in the bank, but also various loans to other companies, as the reserves. Both regulators and crypto enthusiasts have voiced concerns, which might bode ill for Tether in the months to come.

USDQ works differently. Here, the stablecoin is pegged to US Dollar and backed by Bitcoin (+top 10 other cryptocurrencies in future). It's similar to lending operations and fractional banking systems. Overcollateralization is used to mitigate potential unexpected changes in assets prices.

The USDQ ecosystem is highly transparent as all of the operations are recorded on the immutable Ethereum blockchain, open to review by anybody and at any time. The smart contracts bring automation to business processes and eliminate the need for middlemen to assure trust and prevent abuse.

In order to determine how viable USDQ will be in the future, we need to discuss the two tokens used within the ecosystem.

Review of Q DAO and USDQ

Q DAO is governance token, entitles holders to participate in voting for new decisions. Importantly, holders are interested seeing Q DAO's prices growing and thus they are incentivized to thoroughly review proposals and deliver the best decisions. In this way, Q DAO imbues higher democracy and decentralization, on which many current crypto projects lag.

In addition, all the fees, charged for the system use, can be paid only in Q DAO.

In order to create USDQ, a user needs to transfer Bitcoins into a Collateralized Debt Contract (CDC). This will automatically trigger the smart contract to generate USDQ and send it to the user. In order to change USDQ back into crypto assets, users need to pay back the amount of USDQ they input and the fees, chargeable in Q DAO Tokens. Whenever this is done, USDQ is automatically destroyed and the Collateralized Debt Сontract is closed.

In addition by getting USDQ directly at the company's website, users can trade in USDQ on secondary markets. It's as easy as trading Bitcoin or Ethereum or any other coin.

Traders can store both coins in their wallets, assuring higher security. The stability and ease of use for USDQ open up wide ranges of adoption for both businesses and end consumers alike.

What makes USDQ stand apart

The main difference between projects like Tether and USDQ is complete transparency and openness in the inner workings of USDQ. All the data is easily accessible on the blockchain and there are no rumors or controversies as to the reserves held by the team, potential conflicts of interest or hidden agendas.

The CDС mechanics ensure that it's impossible to create fake units of USDQ, as smart contract can be activated only after an amount in Bitcoins is input. The development is being done completely transparent. Interested parties can review the smart contract, presented on the website. The audits and peer reviews were carried out to assure the highest quality of smart contract. The website-based scanner enables to track all the data about each and every transaction, including time, amount and collateral size.

In addition, should a "black swan" event occur, i.e. a drastic fall in Bitcoin prices, Q DAO is sold on secondary markets. Bitcoin value is liquidated to make a USDQ buyback procedure, which prevents any losses on the part of the system's users.

Additionally, PLATINUM BLOCKCHAIN ENGINEERING which is helping to develop the ecosystem is working hard to build up long-term partnerships with stakeholders in the crypto industry. The more liaisons the team wins, the better outlook for USDQ will be.

Why do we need stablecoins anyway?

Different assets produce varying levels of volatility in prices, when compared to each other. For instance, the purchasing capacity of US dollar has reduced over time with 1 USD from 1913 equaling 24 USD today (2019). This happens due to inflation 3-10% per year.

In comparison, Bitcoin almost tripled in value in 2018 and then fell down by as much. Thus, fiat currencies are more stable, when compared to cryptocurrencies.

Stablecoins don't attempt to fight inflation. Instead, coins like Tether and USDQ peg themselves to US dollar, bringing relatively higher stability to crypto trading communities. One of the most famous transactions with Bitcoin is when a pizza was bought with Bitcoin back in 2010. At that time, the pizza ended up costing just a couple of bucks, but today it costs millions. Although stablecoins continue to be impacted by inflation and exchange rates that come to them from fiats they peg themselves to, they are nowhere near the mindboggingly high volatility of crypto assets.

One of the major use cases for stablecoins like USDQ is concluding long-term contracts. For instance, when using a popular decentralized platform Augur, users can bet on the price of oil in 5-10 years. The problem is that you won't only have to account for future changes in oil prices, but also for prices in Ethereum or Bitcoin that you use to make the bet. USDQ solves this problem elegantly and without much trouble. Using it, users don't have to consider future changes in Bitcoin prices and they can concentrate on what they've come here for - betting on future events. And they don’t have to worry about technical details as it’s easy to purchase USDQ and use for trader’s purposes.

Betting industry is just one of the many use cases, where USDQ can bring benefits. It can be successfully used for any transactions done across borders and long-term financial contracts. Virtually, USDQ opens up new opportunities any time value is exchanged and volatility has a negative effect.

Bottom Line

USDQ has a high potential to democratise transactions between companies and individuals globally, bringing fast execution and low volatility. The "PLATINUM BLOCKCHAIN ENGINEERING" is working hard to enable and improve various features in order to help USDQ to take leading positions on crypto markets.

Here are the main ecosystem’s features:

The system uses two tokens (USDQ and Q DAO) in order to tackle volatility, while staying on the blockchain.

USDQ is always pegged to USD 1:1. In order to come into line with as many national exchanges as possible and enter other markets, the company will issue other tokens pegged to the national currencies. For example, there will be CNYQ (for Chinese Yuan), KRWQ (for South Korean Won), as well as JPYQ (for Japanese Yen) at the early stage.

USDQ brings higher decentralization, driving this important vector in the development of crypto industry.

Q DAO holders are interested in seeing the coin grow and succeed, thus they will work hard to review and pick the best proposals for the system to move forward.

Taking into account these beneficial features, there's no question that USDQ will become a viable alternative to other fiat-backed cryptocurrencies like TUSD, USDT, GUSD, USDC etc. Competing with other stablecoins, both already operating and just being developed, PLATINUM ENGINEERING will roll out the new features and underlying tech solutions that'll help propel the coin.

USDQ is decentralized stablecoin, which uses algorithms to offer higher stability and reliability. Fully on-chain and monitored by high-speed AI robots, ecosystem offers reliable defences against malicious acts and attacks. First run in line of fiat-pegs, USDQ is brought by PLATINUM ENGINEERING Team, looking to edge together innovative solutions in collateralization, using stabilizing mechanisms for high-endurance stablecoins. Soon there will be even more fully backed stable coins: JPYQ, KRWQ, SGDQ, HKDQ, CNYQ, RUBQ under USDQ brand. Fully anonymous, USDQ breaks limits out of this legacy world.

PLATINUM ENGINEERING values your opinion and welcomes you to continue the conversation on Telegram or Facebook, where the company’s development team is always ready to help you find solutions to pressing issues. Working on projects like USDQ, Michael has gained an invaluable suite of skills and insights, enabling to roll out high-usability UI/UX with tight deadlines and lack of clear expectations as to user behaviors. The team has successfully produced white-label wallets, stand-alone fundraising platforms, as well as integrated fundraising ecosystems. Any startup looking for a reliable partner to help execute a success-story will win from a free consultation with the PLATINUM ENGINEERING team about potential solutions to their needs and issues.

This overview may not be fully exhaustive and does not assess the viability of any project, nor its team legitimacy. Readers should conduct their own due diligence before using or investing in any of the listed Stablecoins. This article represents the author’s opinions only and should not be considered investment advice. All described functionality in the article is still under development, it can be changed/processed. Please follow the updates.

Is it possible to buy, and use bitcoin on mobile?

I have 0 knowledge on buying, using, and protecting myself when it comes to bitcoin.

I do not own a computer of any sort. I have an iPhone and want to purchase stuff safely, if there is a guide you can point me to it would be helpful. Or if you can take the time out of your night or day to help guide me, that would also be very appreciated. Thank you for your time.

[Daily Discussion] Monday, August 12, 2019

Thread topics include, but are not limited to:

General discussion related to the day's events
Technical analysis, trading ideas & strategies
Quick questions that do not warrant a separate post

Thread guidelines:

Be excellent to each other.
Do not make posts outside of the daily thread for the topics mentioned above.

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Altcoins Discussion: Altcoin Discussion

[Altcoin Discussion] Monday, August 12, 2019

Thread topics include, but are not limited to:

Discussion related to recent events
Technical analysis, trading ideas & strategies
General questions about altcoins

Thread guidelines:

Be excellent to each other.
All regular rules for this subreddit apply, except for number 2. This, and only this, thread is exempt from the requirement that all discussion must relate to bitcoin trading.
This is for high quality discussion of altcoins. All shilling or obvious pumping/dumping behavior will result in an immediate one day ban. This is your only warning.
No discussion about specific ICOs. Established coins only.

If you're not sure what kind of discussion belongs in this thread, here are some example posts. News, TA, and sentiment analysis are great, too.

Other ways to interact:

Get an invite to live chat on our Slack group and check out the #altcoins channel
Daily Discussion for bitcoin only: Daily Discussion
Prior Altcoin Discussion: Altcoin Discussion

[Daily Discussion] Monday, August 12, 2019

Thread topics include, but are not limited to:

General discussion related to the day's events
Technical analysis, trading ideas & strategies
Quick questions that do not warrant a separate post

Thread guidelines:

Be excellent to each other.
Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

Get an invite to live chat on our Slack group
Set your flair to trade pretend money in the Flair Game
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My take on Bitcoin!

Hi guys, just learned about Bitcoin a while ago and found it utterly fascinating. It is the most genius idea Ive heard about in a long long time. I am a total beginner and relatively young in age, but I still want to share with you my opinion on Bitcoin, just because I feel like talking haha! If theres anything wrong, please do not hesitate to correct me, Id really appreciate it. (also sorry for bad english ;) )

I personally think that Bitcoin will never replace Fiat or gold. Governments will never allow that. However, I dont think the creator of Bitcoin intended to create a currency at all. Blockchain, no third party, speedy transactions, decentralisation are all things that are meant to attract people for it to take off. Sure, these "features" do have value in them, but in the long run, I only see them become a part of the existing structures instead of creating a brand new world.

I believe that Bitcoin is an extremely unique form of gambling for everyone. Bitcoin will make gambling super easy, just by using your phone, you could potentially great amounts of money within a short time. You can gamble anywhere, anytime. If you think about it, this is the perfect remedy for the problems of our instant gratification society. Why would anyone still play the lottery or go to casinos if Bitcoin is around? Stocks have become stagnant and too tied to rational developments in the market. Sure, you could just do normal online gambling, but its just not as serious as something like Bitcoin that has a huge fanbase, active developers, organisations and possibly countries behind it. It is basically a "safe" asset, that still has an exciting level of uncertainty and unpredictability. It is simply an exhilarating experience and form of hope for people from all social classes.

Since the whole system of Bitcoin is similar to that of gambling, it then makes sense to simply compare it the current gambling system. Not many countries have truly banned betting entirely, and the reason for that is that governments have realised that gambling is a crucial part of human nature. It is a form of entertainment, a part of culture. As long as it can be regulated and controlled by the government, it could even become beneficial for the system. Bitcoin claims to be decentralised, but you are not really anonymous since you always rely on exchanges or other ways involving your data in order to trade/sell or buy. This is actually great news, because Bitcoin is not a threat, but a welcome addition to the crew. Maybe Satoshi didnt want to create a new way of payment, but a way of profitable + accessible entertainment for everyone, to reinvigorate our corroded minds. Of course, just a very wild guess of mine! ;)

The first mover advantage of Bitcoin can not be beaten anymore (highly unlikely). Even if a better or more useful coin gets out there, Bitcoin has reached "gold"-status already. That was the purpose of making Bitcoin resemble gold, to get to this status so it would never lose to any other coin of its own kind. Coins like XRP, VeChain or even Ethereum are trying to get away from being a speculative asset, hoping to gain value by real world usage. But I think that its exactly the reason why they could never beat Bitcoin, because it is such a greater achievement to generate value out of nothing (Bitcoin) than out of something thats "useable". Its easy to replace a usable system with one that is better, but it is not easy (maybe impossible) to create value out thin air AND make it more valuable than its identical twin brother, that has proven its worth already. Again, Bitcoin is successful because it does not have value in itself. In fact, I would argue that Bitcoin is the ultimate or true form of money, one that doesnt try to back its value up by anything. It is confident enough to be what it is, "Pure value". I remember I had a conversation with a good friend of mine about art and science. I argued that art is less worth than science, because it is more useful for humanity. He argued that while that may be true, we need art to fuel our minds with energy, to take a break from science or any logical systems, thus making it equal, if not even more valuable. I want to mention that he studied physics, I didnt expect this kind of statement from him at all. Nevertheless, it opened my mind. Bitcoin is like art, its invisible and valueless, but your imagination feeds on it, because your mind finds it fascinating that "nothing" can eventually become "something" that is so powerful. Coins that are actively trying to be "useful and valuable" will never be able to achieve this kind of level.

To put it in the nutshell. Bitcoin is a true masterpiece of art from the generation of internet. You could win everything, or lose everything. It is something that complements gold and every other existing system of value. Bitcoin is here to stay, and will only die when our brains stop producing dopamine. Thanks for the read, criticism is welcome and have a good day! :)

PS: (Obviouly, many of my arguments are very subjective or even emotional, so PLEASE be aware that this is not an investment guide or recommendation. I simply wanted to share my view on Bitcoin as a concept. Also dont buy Bitcoin now (10-11k), Id like to believe that every bullrun needs a bear to pave the way, hahaha)

Bitcoin salary payments legal and taxed in New Zealand (as of 1st September)

There has just been a ruling by the head of the NZ tax department that clarifies the legality of paying employees in Bitcoin and how it should be handled on an accounting level.

It's a pretty dry read; however in short it's an endorsement of paying staff using Bitcoin...

Example: Employee paid part of salary in bitcoin

Ken is employed by Cryptowonderland Ltd. His salary is NZ$10,000 per month before tax. Half Ken’s salary is payable in NZD direct credited to his bank account. The other half is payable in bitcoin transferred to Ken’s bitcoin wallet.
PAYE should be calculated on the $10,000 gross payment and withheld and paid to the Commissioner (in New Zealand dollars). The net amount is payable to Ken.
If Ken is a Kiwisaver member or is subject to, for example, child support or student loan deductions, the Employer’s Guide (IR335) and the PAYE calculator (both available on the Inland Revenue website www.ird.govt.nz) can be used to assist with calculating these.

https://www.classic.ird.govt.nz/resources/1/c/1c6029d0-611c-4a15-9cbf-b712129ab76c/tib-vol31-no7.pdf

[Daily Discussion] Monday, August 12, 2019

Thread topics include, but are not limited to:

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Quick questions that do not warrant a separate post

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Do not make posts outside of the daily thread for the topics mentioned above.

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Testing Bitcoin Cash (BCH) payments at a new merchant located in Maracaibo, Venezuela. More coming soon, we will do more of these events! 🎉

https://twitter.com/cypherbits/status/1160661555521949696?s=21

[Daily Discussion] Monday, August 12, 2019

Thread topics include, but are not limited to:

General discussion related to the day's events
Technical analysis, trading ideas & strategies
Quick questions that do not warrant a separate post

Thread guidelines:

Be excellent to each other.
Do not make posts outside of the daily thread for the topics mentioned above.

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Get an invite to live chat on our Slack group
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Weekly threads: Newbie Mondays and Fundamentals Fridays

Facebook, Morrisons, L’Oréal: Everything that matters this morning

Facebook has lifted some of its restrictions on cryptocurrency adverts as anticipation hots up that the social media giant is poised to release its own crypto coin.

As of yesterday, Facebook no longer requires pre-approval for ads connected to blockchain tech, news, education and events linked to cryptocurrency. However, clearance will need to be given for ads promoting specific cryptocurrencies. A ban still remains on adverts promoting initial coin offerings (ICOs), which is when a new cryptocurrency goes public.

The Facebook ban on advertising for Bitcoin, cryptocurrencies and ICOs was put in place 16 months ago after a series of scams during the height of the cryptocurrency boom.

The changes to the crypto ad rules come as news emerged last week in the

Sources have also suggested that Facebook could reward users with fractions of the FaceCoin currency in exchange for looking at ads.

Morrisons is reporting “good progress” across its wholesale business, which contributed 2.1% to an overall group like-for-like sales increase of 2.3% (excluding fuel) during the first quarter of 2019.

The supermarket reports that the rebrand of McColl’s stores to Morrisons Daily, and the conversion of MPK fuel forecourt stores to both Morrisons Daily and Safeway Daily, has started well with “strong sales increases”.

Morrisons credited the “robust” performance of its retail division, which contributed 0.2% of total like-for-like sales, despite the “political and economic uncertainty continuing to impact consumer confidence”. Over the Easter period like-for-like sales rose by 1.7% and were up 3.4% compared to two years ago.

“We are improving the shopping trip and becoming more competitive for customers, and are pleased with another quarter of positive like-for-like sales,” says chief executive, David Potts.

Going forward Morrisons expects the market to remain “competitive and challenging”, taking into account the “favourable” summer weather and the World Cup boost the business experienced during the second quarter of 2018. The supermarket says it remains confident of many “sales and profit growth opportunities ahead”.

L’Oréal has launched Color&Co, a direct-to-consumer hair colour brand offering personalised dye kits.

The consumer messages the Color&Co team, explaining their “hair colour goals”, after which they are matched with an independent, licensed colourist who specialises in your specific look. After a video chat with the colourist, who evaluates your hair and prescribes a specific formula, the consumer receives a personalised kit a few days later including a custom hair dye and personalised instructions.

The kits are being sold as one-off sets or on a subscription, which starts on a trial for $9.90.

Guive Balooch, vice president of L’Oréal’s Technology Incubator, describes Color&Co as an opportunity to cater to consumer demand for “increasingly personalised experiences” in hair colour, which is a “cornerstone” of the business.

House of Fraser’s owner Mike Ashley is developing plans to turn seven of the retailer’s stores into a new luxury mini-chain called Frasers, it has been reported.

Ashley has told suppliers he wants to split the business into two separate divisions, according to The Guardian. Under the plans, Frasers will sell designer labels and House of Fraser will cater to the mass market.

The move is part of a wider turnaround strategy for House of Fraser after Ashley’s Sports Direct bought the retailer out of administration for £90m in August last year. Ashley said at the time he wanted to turn the 59-store chain into the “Harrods of the High Street”.

It is understood work on the new luxury mini-chain will begin at the department store group’s Glasgow store, which already trades under the Frasers name. House of Fraser’s Belfast store is another expected to be rebranded and included in the plan.

However doubts remain about how many House of Fraser stores Ashley will be able to keep open. Last month the landlord of a store in Altrincham served Sports Direct notice to leave the premises and said others could follow suit.

Diageo has been given the green light to transform the former House of Fraser department store on Edinburgh’s Princes Street into a “world class” whisky tourist destination.

The latest phase of Diageo’s £150m investment in its Johnnie Walker brand, the whisky destination is described as a “multi-sensory immersive visitor experience” spanning three floors of the vacant building. The experience will guide visitors through the 200-year history of the brand, teaching them about the “art and science of whisky-making”.

The plans suggest there will be an events space for staging music, art, theatre and community events. While there will be a roof-top bar offering views of Edinburgh Castle, at street level plans include a “significant retail space” in the style of the Johnnie Walker retail flagship store in Madrid, opened in November.

Further inside, the bar academy area will act as a base for Diageo’s Learning for Life programme, which creates training and employment opportunities in the hospitality industry for unemployed people.

The drinks giant predicts that, when fully operational, the tourist experience will create 160 to 180 full-time equivalent jobs and generate £135m in tourism spend.

An ad for Paddy Power featuring Ryan Giggs’ brother Rhodri driving a sports car and drinking champagne has been banned by the ad watchdog for “glamorising gambling”.

The ad, which is for the bookmaker’s loyalty scheme Paddy Power Rewards Club, shows how the footballer has led a “normal but loyal life”, by always drinking in the same pub, going to the same gym, etc.

While in the pub a woman behind the bar asks, “Bitter?” to which he replies, “Not anymore, Pam. Champagne please”, hinting at the alleged affair his brother had with his wife. He then adds, “Problem is, loyalty gets you nowhere. Live for rewards instead. That’s why I’m Paddy’s Rewards Club Ambassador,” before he’s seen driving off in a sports car.

The Advertising Standards Authority (ASA) received five complaints that challenged whether the ad was irresponsible by glamorising gambling and suggesting it was a way of achieving a good standard of living.

The ASA ruled that consumers would understand the life Rhodri was shown to be enjoying was not the result of gambling and instead a tongue-in-cheek nod to the fact he is loyal while his brother is deemed disloyal by comparison.

But the ad has been deemed irresponsible because Rhodri is heard enquiring about his bank balance and then ordering champagne rather than his usual drink, as well as driving a sports car that he’s received as a result of his association with Paddy Power, which is accompanied by the line “loyalty gets you nowhere, live for rewards instead”.

It says in its ruling: “We considered that created the impression that Rhodri was no longer defined by the alleged affair and that he had moved past his “loyalty” and was now reaping the rewards, both financially and in terms of his own self-image. The ad implied viewers should follow his example, and that their route to doing so was joining Paddy Power’s Rewards Club. For that reason, we considered the ad implied gambling was a way to achieve financial security and improved self-image, and we concluded the ad was irresponsible.”

Google unveiled a host of new products and updates at its I/O developer conference yesterday (7 May), as Google CEO Sundar Pinchai said the tech giant’s mission is shifting from a company that “helps you find answers” to one that “helps you get things done”.

This includes the launch of its new, lower cost Pixel smartphones, the Pixel 3a and 3a XL, which will sell for roughly half that of the original Pixel 3 launched seven months ago.

It also showed off its latest voice-controlled smart home product, the Nest Hub Max. The device has a larger 10 inch screen compared to the seven inch screen of the previous model, and it now features a camera, which can be used for video chats and home security.

Google also introduced additional security features to help consumers better control their privacy. These include a new incognito mode for Maps and Search that will ensure results aren’t connected to consumers’ Google accounts, the ability to block cross-site tracking, and filters that auto-delete web activity and app data.

Purplebricks’ founder and chief executive Michael Bruce has left the company, causing its shares to drop by more than 5%.

The online estate agent has also said it is pulling out of Australia after two and a half years as prospective returns are “not sufficient to justify continued investment”. It is also putting its US business under review.

Chairman Paul Pindar apologised to shareholders for its recent “disappointing” performance and admitted its rate of global expansion had been “too rapid” with hindsight.

Purplebricks is more optimistic about its UK business, however, despite the challenging market.

The company’s chief operating officer Vic Darvey will succeed Bruce as CEO.

Selfridges has become the first major UK retailer to remove palm oil from all its own-brand food products.

The department store says 300 products from its Selfridges Selection range have now been replaced with alternatives derived from rapeseed, soybean and sunflowers, with the phase-out being completed nine months ahead of schedule.

Selfridges’ managing director Simon Forster says: “We’re committed to buying better to inspire change, and the removal of palm oil from our Selfridges Selection range is the latest demonstration of this approach.

“We believe that until certified palm oil guarantees zero deforestation, our customers should be given the option to buy palm oil-free products. Our expectation is that all brands we work with are aware of and actively engaging with the issues surrounding palm oil and deforestation.”

Virgin Media has partnered with disability charity Scope to urge more businesses to help tackle the UK’s disability employment crisis.

The #WorkWithMe pledge is an initiative designed to bring together large and small companies to help improve workplace practices and support a million disabled people gain the skills and confidence they need to get and stay in work.

Committing to the pledge is free, and comprises a five-step plan to encourage businesses to take accountability and improve workplace policies, practices and culture for disabled people. They also also get access to a suite of free resources.

As part of the commitment, a senior leader must take accountability for disability inclusion, the company must complete a review of how it supports disabled people, and commit to helping line managers become better equipped to support disabled people.

Businesses must also record their progress on disability inclusion, such as measuring the number of disabled people employed and tracking disabled employees’ views on how well the company is doing at creating inclusive workplaces, and they must share best practice and lessons.

So far, 19 companies, including Philips and JCB, have signed the pledge.

It comes as new research by YouGov reveals businesses are fuelling the crisis as they have outdated attitudes resulting in one million disabled people wanting to work but not being given the opportunity to do so.

More than half (56%) of the HR decision makers surveyed believe the main reason disabled people don’t get jobs is because they lack the right skills or qualifications. A quarter (26%) of businesses questioned claim that they have never had a disabled candidate for a job interview, despite there being 7.6 million disabled people of working age in the UK.

Meanwhile, 11% think disabled people should accept lower paid positions, and 23% think disabled people need to adapt better to a business’ culture.

Jeff Dodds, managing director at Virgin Media, says: “Companies big and small now need to come together to help put an end to this disability employment crisis. I’ve seen first-hand the benefits of working with disabled people and I want other businesses to see them too.”

Google has been promoting ads for businesses which charge fees for services that the official companies or bodies providing those services offer at a lower price or free.

The investigation by the BBC found numerous examples of paid ads featuring higher in Google’s search engine, including a firm charging £49 for changing an address on a driving licence, which is something the DVLA does for free.

Meanwhile, a company selling visas for China for tourists with a UK passport came first in the rankings, charging more than double the Chinese Embassy, which is seventh on the search results page.

A Google spokesperson told the BBC: “We have policies that prevent ads for paid products or services that are available from a government or public source for free or at a lower price, unless they offer a clear added value.”

Google says it will investigate the findings.

Boots UK has launched Fenty Beauty by Rihanna as part of its plans to transform the high street beauty experience.

The global beauty brand will be available in 32 stores across the UK and online, with a wait list available so customers can sign-up to be the first to buy.

“Fenty Beauty by Rihanna could not be more in tune with our shared values of making everyone feel great, all of the time,” says Seb James, senior vice-president and managing director of Boots.

“Launching Fenty Beauty is a pivotal moment in Boots’ beauty reinvention as we reimagine and redefine what to expect from high street beauty.”

To celebrate the launch, five Boots stores will host customer events across London Sedley Place Oxford Street, Westfield White City, Glasgow, Nottingham and Newcastle from Friday 10 to Sunday 12 May.

Boots will also be doing a “full takeover” on its social media channels.

Topshop is reportedly on the brink of collapse and could face administration.

According to the Guardian, Sir Philip Green’s Arcadia Group, which owns Topshop, is currently looking to secure a rescue restructure that would close around 50 of its 570 British stores.

If a deal cannot be reached before Arcadia’s next rental payment in June, it is likely Topshop will go into administration.

“The brands have been underinvested over many, many years and have lapsed into irrelevancy to their target market,” says Patrick O’Brien, a retail analyst at GlobalData.

“If you look at Miss Selfridge or Dorothy Perkins, these are very outdated brands that really don’t resonate with the sort of shoppers going online to Asos or Boohoo.”

Eurotunnel is marking its 25th anniversary with an advertising campaign which focuses on all the customers who’ve travelled via Eurotunnel in the past quarter century.

“When the first cars went through the Eurotunnel in 1994, it was regarded as one of the biggest engineering achievements of the modern age – it gave Britain and France both a huge sense of pride and achievement,” explains Jae Hopkins, Eurotunnel’s director of sales and marketing.

“We wanted to recapture that feeling of adventure, freedom and pride with this work, and to toast all the adventures we’ve helped create, as well as those to come.”

The ad, by creative agency Southpaw, addresses: “Snowboarders, surfboarders, feet up on the dashboarders, boot-fillers, bike rack fillers, wine rack fillers, those on four legs, first legs and away legs, nature lovers, adventure lovers and well – just lovers,” concluding: “it might be our 25th birthday, but we’re wishing you many happy returns.”

It will run across TV, cinema, out-of-home in London and the South East, radio, online display and social media.

The Electoral Commission is lobbying for a change in law to make political adverts show who paid for them.

Speaking to the BBC, the UK watchdog’s director of regulation, Louise Edwards, says online adverts should be treated the same as printed election material and that digital campaigning needs to be more transparent.

“What we need and what we’re calling for is a very clear change in the law to make parties and campaigners say on the face of their advert, who they are, who’s paid for that advert and who is promoted,” Edwards says. “These are things we think are important and we’d like to see them in place.”

According to the Commission, spend on online campaigning doubled between the 2015 and 2017 General Elections.

Facebook has hit the headlines on numerous occasions following concerns around its role in facilitating foreign intervention in elections and spreading misinformation.

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