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An In-Depth Guide to: How do I Fix my Ledger Nano’s Stuck Ethereum Transaction?!?!?! (It’s Been Stuck for Weeks and NOTHING Traditional has Worked!!!!) As Well as: How Do I Choose My Nonce??? I’ve Tried MetaMask, MEW/MyEtherWallet, and Others, but Nothing is Working Correctly!!! I’m Dying by Stress!
So, if you were like me 1-2 months ago, you’ve probably already gone through 2,or 3, ...or 40 articles and guides that probably say something like: “YeP, eVeRy EtHeReUm UsEr WiLl EvEnTuAlLy HaVe ThE LoW-gAs ExPeRiEnCe, YoU’rE nOt AlOnE! DoN’t FrEaK OuT tHoUgH; ThErE iS a WaY tO fIx It!” Chances are, every time you read another useless article, you want to kill the nearest inanimate object, even though it was never alive in the first place. Nonetheless, you’re gonna kill it as much as it can be killed, holding nothing back; or, you’re just plotting to and slowly getting closer to executing the plan (and the object) every time you are insulted once again. However, if you have the ability to download software (MyCryptoWallet) on a PC, it should be safe to relax now. I think you’ve finally found some good news, because I am 99.99...% sure this will work for the issue that so many people are having at this time, around the end of the month of May, year 2020. More and more people are likely to be having this issue soon, since Ethereum's gas prices have been insanely high lately as well as having 300% price changes in a matter of minutes; Etherscan’s Gas tracker is nearly uselessly-inaccurate at this time. I've heard that there's a congestion attack; that was said a week ago, and it appears to be ongoing... (I can't think of any other suspect besides Justin Sun to blame it on... it must be incredibly expensive to overload the blockchain for this long... I may be wrong though...)
Let’s begin For myself, I was trying to send an ERC20 token when this dreadful issue attacked. Specifically, the token was either BSOV or GRT; I sent them 1 after the other and the first succeeded, and the second one took over a week. (They’re both great tokens in my opinion and deserve much more attention than they’ve been getting. BSOV is nearing its 1 year anniversary as I write this, and GRT is still in its 90 day community-development progress test, so of course I'm gonna take this opportunity to "shill" them; they are great tokens with great communities). I was able to finally fix it, after a week of mental agony (also the txn finally processed 1-2 hours before I found the solution, robbing me of the gratitude of fixing it myself... (╯‵□′)╯︵┻━┻ ...but now I guess I can hopefully save some of you the headaches that I endured... ) I’m providing the ability to do the same, in a step by step guide. Why did I go through all of this trouble? I'd fault the fact that I have ADHD and autism, which in my case can multiply each other’s intensity and cause me to “hyper-focus” on things, much much more than most with the same qualities, intentionally or not. Adderall is supposed to give me a bit of control over it, but except for in a very-generalized way, it’s still 90% up to chance and my default-capabilities to allow me control over my attention with self-willpower. But also Karma and Moons pls... ʘ‿ʘ
In MyCrypto, (I'm using the Windows 10 app, version 1.7.10) you will open to a screen that says "How would you like to access your wallet?". Choose Ledger, of course. (Unless your here for some non-ledger issue? Idk why you would be but ok.)
On the next screen (having your nano already plugged in, unlocked, and opened into the Ethereum app) click "Connect to Ledger Wallet"
A screen overlay should appear, titled: "Select an Address". Here is where it may get confusing for some users. Refer to "AAA" below to know how to find your account. (Geez, sorry lol that was a huge amount of info for a reddit reply; I might've over-elaborated a little bit too much. but hey it's valuable information nonetheless!)
After escaping the "AAA" section, you'll have accessed your account with MyCrypto. Awesome! To find your ERC20 tokens, (slight evil-laughter is heard from an unidentifiable origin somewhere in the back of your mind) go to "AAB".
(You may have decided to find the token(s) on your own, rather than daring to submit to my help again; if so, you may pity those who chose the other path... ~~(￣▽￣)~~) Now, once you've added your token, you should revert your attention to the account's transfer fill-out form!
I'll combine the steps you probably understood on your own, already. Put in the address that your stuck transaction is still trying to send currency to. If an ERC20 token is involved, use the drop-down menu to change "ETH" to the token in trouble. Input your amount into the box labeled... wait for it... "Amount". Click on "+Advanced".
Refer to Etherscan.com for the data you will need. Find the page for your "transaction(txn) hash/address" from the transaction history on the wallet/Ethereum-manager you used to send from. If that is unavailable, put your public address that your txn was sent from into the search tool and go to its info page; you should be able to find the pending txn there. Look to open the "more details" option to find the transaction's "Nonce" number.
Put the nonce in the "Nonce" box on MyCrypto; you will contest the pending txn with a new txn that offers larger gas fees, by using the same nonce. If (but most likely "When") the new transaction is processed first, for being more miner-beneficial, the nonce will then be completed, and the old transaction will be dropped because it requests an invalid, now-outdated nonce. Your account will soon be usable!
Go to the Gas Tracker, and it may or may not provide an informative reading. Choose whatever amount you think is best, but choose wisely; if you're too stingy it may get stuck again, and you'd need to pay another txn's gas to attempt another txn-fix.
At the time I write this, I'd recommend 50-100 gwei; to repeat myself, gas requirements are insane right now. To be safe, make the gas limit a little higher than MCW's automatic calculation, you may need to undo the check-mark for "Automatically Calculate Gas Limit".
Press "Send Transaction"!!!
You will need to validate the action through your nano. It will have you validate three different things if you are moving an ERC20 Token. It's a good idea to verify accuracy, as always.
Well, I hope this worked for you! If not, you can let me know in a reply and I'll try to figure it out with you. I like making these in-depth educational posts, so if you appreciate it please let me know; I'll probably make more posts like this in the future! ( Surely this is at least far better than Ledger's "Support" article where they basically just tell you "Yeah, we haven't bothered to make a way to manually select nonces. I guess we might try to make that available for Bitcoin accounts at some point in the future; who knows? lol"... that's not infuriating at all, right?)
AAA: Before I tell you how to find your address, I will first make it clear, within the italicized text, exactly which address you are looking for, if you are not already sure: You may also skip the text written in italics if your issue does not include an ERC20 token, if you wish. Ledger Live can confuse some users with its interface. On LL, to manage an ERC20 token, you first must go to your Ethereum account and add the token. When you then click on the added token under "Tokens" below the graph chart for your account's ETH amount over time, the screen will then open a new screen, that looks just the same, except focused on the specific ERC20 token. To confuse users further, there is then an option to "Star account", which then add the ETH icon with the ERC20 token's first letter or symbol overlapping, onto the easy access sidebar, as if it was another account of similar independency to the ETH account it was added to. This improperly displays the two "accounts" relation to each other. Your ERC20 holdings (at least for any and all ERC20 that I know of) are "held" in the exact-same address as the Ethereum address it was added to, which also "holds" any Ether you've added to it. You send both Ether (ETH) and any ERC20 Tokens to and from only Ethereum addresses of equivalent capabilities, in both qualities and quantities. In all basic terms and uses, they are the same. So, to know what the problematic account's address is, find the address of the Ethereum account it was added to in Ledger Live. Now, to find your address on MyCrypto, the most reliable way to find it, that I am aware of, is this: Open Ledger Live. Go to the screen of your Ethereum address (again, this is the one that you added your ERC20 token, if applicable. If you're not dealing with an ERC20 token, you may ignore everything I've put in Italics). Click on "Edit account"; this is the icon next to the star that may look like a hex-wrench tool. On the new screen-overlay, you will see "> ADVANCED LOGS". Click on the ">" and it will point down while revealing a drop-down with some data that you may or may not recognize/understand. Likely to be found indented and in the middle-ish area, you will see this line, or something hopefully similar: "freshAddressPath": "44'/60'/X'/0/0", The "X" will probably be the only thing that changes, and the actual data will have a number in its place; it will not be a letter. Let's now put that line to use in MyCrypto: Take the 44'/60'/X'/0/0 , and make sure you DO NOT copy the quotation marks, or that comma at the end either. You can do this before or after copying and/or pasting, but drop the second "/0" at the end; it was not necessary in my case, I expect that you won't need it either, and will probably just make MyCrypto see it as an invalid input. Okay, now go back to the "Select an Address" screen-overlay in MyCrypto. Next to "Addresses", click on the box on the right, and you should be shown a list of options to select from in a drop-down menu. Scroll all the way down, and you should find the "Custom" option at the very bottom. Select it. A new box will appear; probably directly to the right of the now-shortened box that now displays the "Custom" option that you just selected. This box will offer an interface for typed input. ...yep... once again, believe it or not, you should click it. Type " m/ ", no spaces before or after. Type in or paste the data we retrieved from ledger live. The box should now hold this: m/44'/60'/X'/0 Again, X should be a number. In fact, that number is probably equal to the number of Ethereum (not including any ERC20 wannabe) accounts that you've made on Ledger Live before making the one we're working on right now! (1st Eth. Acc. would have: X = 0, 2nd: X = 1, 3rd: X = 2, ...) Make sure you've included every apostrophe ( ' ), and solidus ( / ); there is NO APOSTROPHE for the "m" at the start and the "/0" at the end! If you press the enter key or click on the check-mark to the right of where you typed, the appropriate addresses will be generated, and the address you created through Ledger Live should be the first one on the list! Select your address and press "Unlock", and you are now accessing your account through the MyCrypto app's interface!
AAB: In order to access your ERC20 token, you will need to add them first. You may have to scroll down, but on the right-side of your unlocked account screen, you'll see a box with "Token Balances" as its header. Click "Scan for tokens". This may take a short bit of time, and when it's done it may or may not display your ERC20 token. If it worked, you can head on back to the main part. If you got the result I did, it won't display your token, or, if our result was exactly the same, it won't display any at all. However, you should now have the "Add Custom Token" option available, so see where that takes you. You should discover four boxes, specified in order (Address/ Decimals / Token_Symbol / Balance). You may only need to fill in the "Address" box, but if you need to fill others, you'll find those with the token's address; here's 2 ways to find it, if you don't already know. Method I: Since you've probably already been managing your token with Ledger Live, you can go to the LL screen of your "account" for that token; Right next to the account's icon, and directly above the name, you'll see: Contract: 0x??????...???????? Yes, go on; click it. You'll find the token's page on Etherscan; this was just a shortcut to the same place that both of the two previously referenced methods lead to. Skip to method... III? Method II: Go toEtherscan.com, or a similar Ethereum-blockchain-monitoring website, if you have a different preference. Search for the name of your token, and you should be able to see it as a search result. Activate your search manually of by selecting search option. Continue on with Method III. Method III (I&II; what makes you think there was a third method? I said 2!): At this point, you should find the "contract address" somewhere on the screen. This is the identity of the creature that breathes life into the token, allowing it to exist within the world of Ethereum. Steal it, and tell MyCrypto that you've left some of "your" tokens in the address of your ledger's Ethereum account. MyCrypto will trust and believe you without any concern or doubt, just by putting "your" contract address in the box for "Address"; it's almost too easy! Well whaddya know, this one isn't actually too long! Don't tell anyone who may have taken a little longer whilst finding out how to do it themselves, though. There's value in trying to do something on your own, at least at first, so I'll let them think they made the right choice (¬‿¬). But take this star for humbling yourself enough to seek further help when you need it, since that is a very important life skill as well! (o゜▽゜)o☆ Now, back to the useful stuff at the top...
EDIT: A comment below made me realize that this info should be added too. Here is my reply to the comment saying I could just use MetaMask. I said in the title that this guide is for questions where MEW and MetaMask aren’t working, but I guess it’s easy to miss. I used my u/caddark account to respond: (Using this account because u/caddarkcrypto doesn’t meet the karma/age standards to comment; the post had to be manually approved.) I guess I didn’t make it entirely clear; sorry: The target audience for this guide is anyone with a stuck Ethereum transaction that was initiated through Ledger Live AND are experiencing the same difficulties I had encountered while trying to fix this issue for myself. This wasn’t any regular stuck Ethereum transaction. Apparently before, there was an issue that made a Ledger Nano nearly impossible to connect to MetaMask (which is also Brave Browser’s integrated “crypto wallet” for the desktop version) and/or MEW (also perhaps any other browser wallets made for chrome and/or brave) that I heard was supposed to be fixed in a recent update. It might’ve been mostly patched, idk, but during my experience, (in which I was using the latest version of Ledger Live that is available right now,) that issue still remained. The really weird part was that it successfully connected to the browser wallets again after I fixed the stuck transaction. At first I thought that somehow the txn was what was bugging the connection. However, later, during no txn issues, I was again unable to connect. Seeing the same connection error again later, I opened up the MCW app I downloaded the day before, and was going to just use that. While in the process of operating MCW, I suddenly had another idea to try for the browser wallet so I went back to that just to quickly test it. The browser wallet worked perfectly... I don’t know how, but I think that somehow, something in MCW’s software, makes the browser wallets work. They don’t work for me without having MCW opened in the background first. EDIT 2: Markdown decided to stop working after I did the first edit... I might fix it tomorrow... how did that happen though??? What did I do? EDIT 3: nvm, I'm just fixing it now; I won't get much sleep tonight I guess.
48 next week, after a divorce starting from the bottom again. Is FIRE possible?
As the title says, my divorce came through about 2 weeks ago and I am starting from the bottom rung again. I haven't got any property, and my assets are limited. What prompted me to grab this with both hands is that around that time my eldest daughter gave birth to my first grandchild so it's helped me to focus on the future. I currently live with my parents, as during the week I work away from home and have a rented property near my work. It's nearly 2 hours away from home so commuting isn't an option (plus the client pays an accommodation allowance so not all bad). I do plan to buy a house within the next 5 or so years so that's my short term goal but whilst I don't need to I'm building up my assets. I've been earning average income for the past few years (about £33k). During my marriage I was very limited to what I could do money wise. The wife would rarely contribute to household expenses, and would spend rather than save. I tried to get better paying jobs, but security was preferred over higher income. What little money I had left over I tried to save, but more often than not had to liquidate any investments in order to pay for essentials - like a car repair or replacement washing machine etc. We rented, as neither of us were in a good enough place financially to get a mortgage. Now, as I'm not having to answer to her and being free to do what I want (within reason, we have a 11 year old daughter) I'm in a job earning double what I got in my previous position. Although I'm a contractor, I'm needed for the length of the project which is at least the next 2 years so I'm taking advantage of the boost in income. And thankfully during the lockdown they still paid me, as it would cost too much to get a replacement in if I did leave. For the last year my priority was paying off debts, I still have some (about 10k) but much more manageable than they were this time last year. I could pay everything off in the next 6 months, but I think it's time I started preparing for the future. The way I see it, if I lost my job in a month I'd have no debts but limited or no resources to feed myself. But if I start following more of the FIRE philosophies I'll at least have covered expenses for a few months if the worst happened. I've been a follower of MMM for a few years, haven't always agreed with what he says on some subjects (Cryptocurrency for instance) but I feel I'm ready to start putting FIRE into practice. The two things I'm looking to concentrate on right now are emergency expenses and investing. What I have in place right now is a Moneybox S&S ISA which I intend to use for emergency expenses. For those not familiar with Moneybox it rounds up the pennies for expenses in the bank account to whole pounds. As well as this I do a weekly top up and a payday top up. Approximately £150-200 per month, current value around £600. I also tried to invest in the FTSE 100 with the spare change I had, and used a Halifax Sharebuilder. I put in around £30 per month and each month picked a new share from the FTSE 100. I'm about £960 in and probably about a third of the way through the FTSE100. Thinking about it I should have invested in a tracker fund, but hey, it's been in place for a few years and it's made me put money aside so not all bad. Right now most of it is red, but I put that down to the current economic climate and I'm in it for the long haul so at the moment it doesn't matter. I've dabbled in Cryptocurrency. I work in IT and I've always been very much of a geek, so it comes with the territory. Mostly proof of stake coins, but early in the process more 'traditional' proof of work coins such as Bitcoin and Litecoin. Somewhere I do have a few hundred Bitcoin but can I find the seed phrase I wrote down? If only I'd emailed it to myself! I'm a lot more organised these days, and probably hold £2500 in a mix of different coins. I monitor the price weekly and react if I see a trend but mostly leave this untouched. I also have some premium bonds. Probably around £500. I only started collecting them last year, so far no winnings but again I'm in it for the long haul so I'm looking at the average returns. If it makes me my million then so be it, if it doesn't win anything at all then I'll revisit it but I see it as something I can quickly liquidate if I need the money. If I had to liquidate everything tomorrow, I could probably support myself for 3 months. I want this to be at least 6 months, the end goal to cover potentially 30 or more years of retirement. My budget does have some things I can't avoid, such as paying rent twice (a token amount at home but market rates for work, probably around 1000 in total). The accommodation allowance mentioned above is sufficient to cover the away from home element and more. There's feeding myself, a couple of streaming services and Xbox Live (essential for my mental health when in a 1 bed flat during the work week), car expenses (I have a Skoda Octavia and regularly exceed 50mpg, 70+ on A roads) and the finance and associated fuel and insurance costs for that, and some ad-hoc expenses as they arise such as clothing. Overall I could live on 60% of my salary, the more debt I pay off the better that gets. What's helped here is my obsession with Excel - I monitor everything. I go through bank transactions and enter every penny into a budget planner, so I know where I am. And those budget figures I use in YNAB to keep a day to day eye on how I'm doing, so far it's been quite accurate at predicting what's coming out and when. I know it's going to be difficult, starting so late. But has anybody else been as late to the party as me, and if so how was it for you? Any tips? I'm happy to elaborate on any of the above if I need to.
The importance of Fungibility, your future = your choice.
I took notice that there are more and more people interested in crypto and I would like to make them realize that this is a technology that can save us all or enslave us all. Or at least make some people think about fungibility and it’s importance in this “new world” they are being introduced to. Short example posted above TLDR First off, what is fungibility? Taken from https://www.investopedia.com/terms/f/fungibility.asp If Person A lends Person B a $50 bill, it does not matter to Person A if he is repaid with a different $50 bill, as it is mutually substitutable. In the same sense, Person A can be repaid with two $20 bills and one $10 bill and still be satisfied, since the total equals $50. Conversely, as an example of non-fungibility, if Person A lends Person B his car, it is not acceptable for Person B to return a different car, even if it is the same make and model as the original car lent by Person A. Cars are not fungible with respect to ownership, but the gasoline that powers the cars is fungible. Hypothetical question: You have money to buy one Bitcoin and are confronted with two options:
1) You buy it from a regulated reputable exchange. 2) You buy it from your friend who got it as payment from a recent extortion.
Immediately you are faced with two fundamental problems:
1) Clean BTC should actually be more valuable then dirty BTC, since you would obviously want the BTC that can not be backtraced to any criminal activity. (Note that what China defines as criminal activities for instance may not be the case in another country) 2) BTC could be confiscated at any point in time since it’s origin can be traced, even when it hasn’t been blacklisted straight away. You could be facing serious consequences.
We see this already today, addresses that hold coins related to criminal activities are closely being monitored. When they move, it gets noticed and all eyes are on them. https://news.bitcoin.com/bitcoin-worth-282k-from-the-2016-bitfinex-hack-on-the-move/ If you buy OTC or through DEXes how will you know that your BTC is clean? This is not a post to tell you criminals should get away with their activities because they shouldn’t, i’m trying to explain that you should never be in any position where your money can be confiscated because it suddenly gets tied to those activities. Your money being confiscated could actually be the least of your problems in such a situation anyway. Think about how easy it becomes to imprison someone that your government doesn’t like. I’m sure the governments would love to fade out regular cash though, because obviously they can just block your account and take away your basic rights. It happens already to people all over the world who use digital money services like PayPall for instance. https://www.elliott.org/blog/banned-from-palpal-account-limitations/ For people like Snowden, or for Wikileaks bitcoin was their solution at that time. Today, there are better alternatives and everyone should think carefully about what world they want to live in. To bitcoins defense, there are certain things you can do to make your transactions more private. Bitcoin mixing is a thing. Bitcoin's Lightning Network is expected to give users the option to make transactions that will not be recorded on the blockchain. Optional privacy raises eyebrows though, authorities could be knocking on your door asking you why you made an optional private transaction. Privacy by default is what we need in the future we see in front of us. You can find tons of information about deanonymization. This is something that China can “easily“ accomplish. This is taken from here https://blockchain.princeton.edu/papers/2018-10-ben-kaiser.pdf Deanonymization: Bitcoin is designed to preserve the pseudonymity of its users, meaning that their real-world identity cannot be linked to a Bitcoin address they have used to transact. However, in practice there are complications that make deanonymization attacks possible. China might seek to deanonymize users for two reasons. First, they may wish to enforce laws and regulations; for example, enforcing capital flight restrictions by identifying users purchasing foreign goods or exchanging Bitcoin into foreign currencies. They might also use a deanonymization attack for ideological (or political) ends: to publicly reveal malfeasance by subversives or political opponents or simply to demonstrate the superiority of centralized control as an ideology and discourage enthusiasm for decentralized systems. We identify four attacks that China could use to deanonymize specific users. First, they could use known research techniques to (a) heuristically cluster pseudonymous identities (e.g., connect multiple addresses to the same user) [31,44]. The simplest example of such a heuristic is to cluster addresses that appear as multiple inputs to the same transaction, as they presumably belong to the same user. The only required capabilities are access to the blockchain and marginal compute power to run the analytics, so these attacks are not unique to China; virtually anyone could commit them. Where China has an advantage over typical adversaries is in linking these pseudonyms to IP addresses. One approach would be to covertly (b) monitor Bitcoin network traffic and identify which IP addresses transactions originate from [4,27]. Because Bitcoin traffic is unencrypted, this can be done through deep packet inspection (DPI). China could also use (c) coercion or regulation to covertly compel service providers that deal in Bitcoin, such as merchants or exchanges, to identify their users. Further, it has been shown that when Bitcoin is used for online purchases, enough information is leaked to web trackers that they can uniquely identify the transaction on the blockchain and link it to any identifying information provided by the purchaser . China could covertly (d) intercept this tracking information over the Internet (using DPI) to perform the same attack, compel domestic tracking companies to provide the information (also covertly), or inject their own trackers into Internet traffic to collect similar information themselves. Tracker injection could be detected by anyone specifically monitoring Internet traffic for such attacks, so we note that it would be overt. Finally, China could target users directly using (e) coercion or regulation to compel them to deanonymize themselves or their transaction partners. Again, as long as targets are compelled to keep quiet about orders to reveal information, this attack is covert. For fungible coins these deanonymization attacks are probably not impossible but a hell of a lot harder. Just to clarify i am not an expert on the matter. I just feel that to few people are aware about the importance and hope this post maybe sparkle some interesting opinions and conversations along the way. If you made it this far I applaud you :-), now check how much balance this guy has in his wallet and see how much he earns every month :D https://moneroblocks.info/search/4AdUndXHHZ6cfufTMvppY6JwXNouMBzSkbLYfpAV5Usx3skxNgYeYTRj5UzqtReoS44qo9mtmXCqY45DJ852K5Jv2684Rge Example: Imagine you want to buy a CAR, and your friend needs to sell his CAR. You did some digging in the market to find an agreement on the price and proceed with the transfer. It happens OTC because there is no need for a middleman, it’s your buddy right?! (For clarity, you both sign a contract to change ownership) You are super excited with your new cool ass CAR, never had one before :-) do some drinking and have an accident. You turn up in the hospital and while you pay for your way out you get arrested. Apparently the CAR was stolen and used in a kidnapping affair. 1st point: A lot of people can buy CARs, and since the CAR owners/transactions are all stored somewhere on a ledger... do you think the authorities will let you keep that CAR when they find out it was stolen or maybe something worse? 2nd point: a CAR is a non fungible asset, meaning that you can trace past owners/origin and could end up with a CAR that should actually be worth A LOT less than what you paid for (because it was obviously dirty) Now go back to the beginning of the example and switch CAR with BTC, then you will know why fungibility matters. TLDR; to fungible or not to fungible, that is the question and the answer will either save us all or enslave us all. Edit: added short example
We've been too successful and now I'm not sure what to do
TL;DR What to do with £80k/annum spare? We are a married couple (31+30) with no dependants currently, although planning. My job is very secure with a current salary ~£70k, rising to ~£100k in the next 3-4 years. I was also very fortunate to purchase some bitcoin in 2013 - now valued ~£30k. My wife set up a business (limited company) 5 years ago that allows her to work from home. We had initially anticipated this eventually earning her the equivalent of a ~£30k salary, however it has taken off and she has carved out a position as a market leader! Last year after tax we took home ~£80k in directors salaries and dividends. This year we are on track to do +20%. The business is relatively secure and she is developing it to stave off competition. My job has led to us moving frequently in the last 8 years, often into rental accomodation but we did pick up a house on the south coast 2 years ago (£375k, £262k mortgage @ 1.79% 5yr fixed). We had to move again and purchased a 2nd house in that location (£161k, £128k mortgage @ 2.17% 2 year fixed). We will be moving back to the 1st property The 1st property is rented pretty much at cost, last year the profit was <£2k. The fixed term period on that property ends in 2023, we would have moved back by then. The plan is to stay there until ~2025/6 at which point my job would be static and we would like to buy "the forever home". Given our lifestyle and likely location this is looking to be ~£750k-£1m (current market price). Our current position is:
2x cash ISA @ 20k each (~1.5% fixed)
DIY Vanguard World Tracker @ 7k
2x regular savers @ ~5k each
2x current accounts @ ~3k each
If we sell the 2nd house next year at cost (difficult to predict given the COVID situation) we would have ~£60k equity. We are able to live on my salary alone, meaning the ~80k/year from the limited company needs to be put to work - with a view to the large purchase in 2025/6. We are very keen to keep any mortgage to the minimum so have so far stayed away from the SIPP option - after the "forever home" purchase this will be maxed out each year. Questions:
Given the 5 year time frame would you put more into a DIY global tracker in a S&S ISA, or play safe with cash ISAs?
What would you do with the remaining ~40k per annum? I'm genuinely considering Premium Bonds - running the figures given current savings rates there is a good (~80%) chance of beating the best rates.
My wife has not paid any NI since 2015. What are the negatives of this? Should she make voluntary contributions?
Sorry for the rambling wall of text. I appreciate we are in a very fortunate position, especially given the current climate.
Kava "In The News" Media Tracker: This is a thread to track noteworthy Kava mentions within the news! This thread will not include "copy & paste" news - meaning, and article that was taken from somewhere else and republished. (Kava does like when that happens, but this thread is meant to track original stories only!)
This is where you can find answers to some of the most frequently asked questions. If you can't find what you are looking for then perhaps try browsing our WIKI, or one of our past AMA Recaps! The "most asked" questions are listed first. These will consistently change to reflect Kava's current landscape.
Relevant Questions (Timely)
When will Kava’s DeFi Lending Platform become available?
Kava’s DeFi Lending Platform will go live on June 10th (pending the approval of the current governance vote)
How/where can I access the new DeFi Lending features
The new features will be accessible via integrated wallet and exchange applications such as Cosmostation, Forbole, Trust Wallet, and Frontier.
When is the first Crypto Payday?
On July 15th, 74,000 KAVA tokens (95k USD as of Jul 2020) will be distributed amongst a pool of USDX minters.
How many “Crypto Paydays” will there be?
There will be a new Crypto Payday every wednesday for an entire calendar year - each Payday pool will be composed of that week's USDX minters.
What does the future hold for Kava's DeFi Lending Platform?
The next step will be to adopt new assets.
The governance group will vote for which asset Kava’s DeFi Lending Platform will support next.
Likely candidates are BTC, XRP, or ATOM.
How do I qualify for Crypto Payday?
Use Kava's DeFi Lending Platform to mint USDX.
Currently USDX can only be minted w/ BNB.
When are Crypto Paydays?
Staring July 15th, 2020
Ending July 16th, 2021
Where can I go to mint BNB?
The new features will be accessible via integrated wallet and exchange applications such as Cosmostation, Forbole, Trust Wallet, and Frontier.
CryptoNick is deleting all of his BitConnect videos, and so are his buddies. Please never forget what he and his cohorts did to so many people, and how much money those people lost in the process thanks to CryptoNick, Trevon James, and Craig Grant! (26497 points, 3056 comments)
Listen up folks, if you "did", or still do promote cryptocurrency related scams, you will be called out on it via this sub-Reddit. We don't care about you, or your ill-gotten gains, we care about the general well-being of our community first and foremost. (17888 points, 1277 comments)
So no one else finds it a bit odd that Verge is actually going up in price in a bear market, after a hack attack, after being outed for paying McAfee to promote it, and after the 1 developer begged for money from his own community to allegedly help pay his taxes? (2548 points, 867 comments)
I will tell you exactly what is going on here, this is critical information to understand if you are going to make money in this space. How prices work, and what moves them - and it's not money invested/withdrawn. (20147 points, 1442 comments)
CryptoNick is deleting all of his BitConnect videos, and so are his buddies. Please never forget what he and his cohorts did to so many people, and how much money those people lost in the process thanks to CryptoNick, Trevon James, and Craig Grant! by DestroyerOfShitcoins (26497 points, 3056 comments)
I will tell you exactly what is going on here, this is critical information to understand if you are going to make money in this space. How prices work, and what moves them - and it's not money invested/withdrawn. by Suuperdad (20147 points, 1442 comments)
Listen up folks, if you "did", or still do promote cryptocurrency related scams, you will be called out on it via this sub-Reddit. We don't care about you, or your ill-gotten gains, we care about the general well-being of our community first and foremost. by DestroyerOfShitcoins (17888 points, 1277 comments)
4792 points: hanzyfranzy's comment in Bitcoin breaches $4000 in 15 minutes. What is happening 😳
3630 points: eNte19's comment in Enjoy the massacre. It could be a once in life opportunity.
3533 points: sakata_gintoki113's comment in Russian nuclear scientists arrested for trying to use one of Russia's most powerful supercomputers to mine Bitcoins
3462 points: JohnDalysJohn's comment in CryptoNick is deleting all of his BitConnect videos, and so are his buddies. Please never forget what he and his cohorts did to so many people, and how much money those people lost in the process thanks to CryptoNick, Trevon James, and Craig Grant!
2988 points: Xgatt's comment in CryptoNick is deleting all of his BitConnect videos, and so are his buddies. Please never forget what he and his cohorts did to so many people, and how much money those people lost in the process thanks to CryptoNick, Trevon James, and Craig Grant!
2909 points: dankmeter's comment in Coinbase/GDAX Warning - $50,000 Wire DEPOSIT Missing Since December 12th
2884 points: regecide2025's comment in No one was complaining about "manipulation" when it was going up from 2500 to 20,000 in less than 6 months.
WebMagzine presenting Top 10 Tech and Gadgets of the week. these are the latest tech news, gadgets that are going to launch. some latest tech news for tech people
Auto Delete Messages in WhatsApp:
We all know WhatsApp is one biggest instant messaging service app with 1.8 billion users. Everyday Whats app surprises us with new features. This is time WhatsApp brings auto delete messages. This type of feature already available in Facebook messenger and snap chat. This is called self distractive messaging or secret messaging. Already testing this feature in WhatsApp beta version.
Facebook closing Mask App:
Facebook is going to close the augmented reality (AR) App MSQRD. From next month 13, it will be close. But not closing forever. Currently, Facebook using all these apps from google Operating System (OS). Now Facebook is developing its own OS (Operating System). Then they will bring their own all AR and VR headsets.
Track Covid – 19 victims over the worldwide:
Covid-19 (Corona Virus) is shaking the world and the biggest disaster. It started in Wuhan city, China and spread all over the world. Microsoft Bing-O (Web App) has been prepared by the media to inform you about the news. Just the below link and get all the details live. https://bing.com/covid
Redmi launching K30 Pro Lam:
Finally, Redmi launching Redmi K30 Pro Lam’s phone in the market on 24 of this month in China. From so many days rumored that this device is coming but no date is confirmed. This mobile phone is with snapdragon 865 processes with 120 hedge IPS LCD display features.
Moto Edge Plus mobile phone from Motorola:
We all know that Motorola is going to launch a new flagship mobile phone with the Motorola Edge plus, there is rumored that one more phone also comes with the same price. The phone is with 6.7 inches display 90 hedge refresh rate screen. Rear 64 MP camera, snapdragon 765 processor, 4500 mah battery. There is no announce the date
Hacking with Corona Fake Apps:
There are lots of fake apps providing information about coronavirus. These apps just fake and once installed they will hack the mobile. Experts are warning not to install such apps. One user installs such an app with the name Covide-19 tracker android app and got hacked his mobile and demanded 100 bitcoin. These apps are not available neither App store nor play store. Only APK files are available.
It has been rumored for so many days that the Vivo V19 Pro coming with the continuation of the Vivo V17, however, the release date is clear. The new mobile will be launched on the 26th of this month. It is reported that the mobile phone will 6.44-inch screen. Qualcomm is offering the Snapdragon 712 processor. 8 GB RAM, 128/256 GB internal memory. The rear camera is 48MP 8MP ultra-wide-angle camera 2MP macro camera and front 32MP main camera and 8MP ultra-wide camera
Another mobile in Redmi Note 9 Series:
Redmi Note 9 series recently launched two mobile in India. Redmi note 9 pro and Redmi Note pre max. now another mobile is coming for the international market. There are rumored that Redmi note 9S will be unveiled in Malaysia this month. This mobile’s features are the same as the same note 9 pro max.
Dear Pundians, Thank you for participating in the AMA session with Pundi X co-founder and CEO Zac Cheah. For those of you who may have missed it, the live recording of the AMA session held on July 3 at 10:00 am GMT+8, tackling Q2 progress and addressing questions and concerns by the community members, can be viewed here. A side note that today’s AMA video quality and setting was not ideal. We acknowledge this situation and will make improvement for our next AMA session. You may also find a summary of the Q2 progress presentation as well as all the detail Q&A below. ## Pundi X Q2 2019 Highlights * Pundi X has integrated more public chains into our products. In Q2, we completed integration of Binance Chain. NEM chain is in the work. As of today we’ve launched BNB, the Binance Chain native Coin and XEM, NEM native coin on Pundi X payment platform. We will integrate at least one more public chain in Q3. * The transactions on XPOS for Q2 is 15.5 million in USD, which is close to 300% quarterly growth. The number of transactions is 29,367, which leads to a 11% growth QoQ. * XPOS has successfully received FCC and KC certifications. A new certification for Latin American market is on the way. * To expand XPOS footprint, Pundi X’s integration with a new leading mainstream point-of-sales device is in the work. Stay tuned for the announcement. * Pundi X Open Platform was launched in May, 2019, which now supports ERC20 and BEP2 token listing. Moving forward, we will continue to support tokens from other public chains. * A 3,000 XPASS order from DigiX, a gold-based token, and a 10,000 XPASS order from BitCobie this quarter. * XPOS is spread in use in over 30 countries. We’ve published a map of XPOS location of self-report XPOS merchant directory. You can find a list of selected XPOS merchants at [https://www.pundix.com/products\](https://www.pundix.com/products). * The QoQ growth of XWallet is tremendous at 43%. In the previous quarter, we have less than 20k users, whereas in Q2 we have hit 297k XWallet users. More updates on XWallet: * Supported BNB and NEM tokens; 2FA, face ID, and optimized SMS serviceAvailable on iOS, Android as well as in Samsung Galaxy Store New features coming up in Q3:- DApp integration - Decentralized wallet- In-app crypto payments - Chat service, which will be compatible with a commonly used chat app- f(x) testnet features to be rolled out first in XWallet ## Other notices coming up in Q3 2019 * The Q2 token removal will take place on July 14, 2019, which will involve in total 34 billion of NPXS and NPXSXEM (22 million worth in USD) removal. In the past 365 days, we’ve removed a total of 36.1 million US dollar worth of NPXS and NPXSXEM. Before Q2 removal, the total supply of NPXS ERC20 is 266,962,422,906.53 and NPXSXEM is 95,816,218,929. [See Q1 removal here.](/pundix/recap-of-ama-with-zac-on-july-3-and-q2-report-a23de165dd28) * [NPXSXEM will be ported to Binance Chain from July 20](/pundix/npxsxem-will-be-on-binance-chain-c6485f17726b). * XPhone pre-order will start in late July with a new product name. Stay tuned. Check out the teaser video that we are releasing it across our communication channels. ## Q&A ## On XPOS * **Where are we on official global location of XPOS?** Zac: We have made a map on our official website that merchants can self report and feature their locations. It’s at [https://www.pundix.com/product\](https://www.pundix.com/product). We’ll be increasing and updating the map once we have permission form the merchants to update their locations. * **The marketing from pundi has shifted from 100,000–700,000 xpos units by 2021 to 100,000. I understand the bear market has affected this but please share the strategy moving forward to hit your goal. How do you feel about hitting this goal?** Zac: The 100K XPOS target has always been the initial goal and it’s stated in our whitepaper. And we are still working on achieving the goal by the end of 2021. Part of our growth strategy is to also explore the possibility to port our platform to traditional POS manufacturers to increase the adoption, which is ongoing at the moment. * **1 year ago you sent 5000 XPOS somewhere. When, at least half of them, will be working? 3 year target was 100,000 by 2021. Now we have only 150 units, how do you expect to reach this goal?** Zac: Yes, we have shipped thousands of XPOS to over 30 countries in the world. The 150 you’ve mentioned are the featured merchants which are published on the map. The active XPOS devices are deployed over 33 countries and we are actively talking to B2B partners to have higher wholesale and big deployments. * **How many XPOS are live and used?** Zac: We have gone through a very serious bear market, and some of the initial inbound requests for XPOS are not delivered. However, we are working slowly but surely with our Business Development team to not just roll-out into individual buyers, such as what we did on Pizza Day, but also to B2B partners. With the certifications approved, that will also help us to officially roll out to some of the key markets. Individual merchants can use XWallet collection feature to accept crypto payment with QR code. For the merchants who have physical offline storefronts, they can use XPOS to enable the instant crypto transaction seamlessly. Moreover, as mentioned previously, we are exploring the integration on leading traditional POS terminal so that their distributors have option to enable crypto transaction feature. As for the challenge to adopt XPOS, it is the regulatory compliance in different countries. For this, our legal team think ahead and encourage our merchants to complete KYC. I must be very honest to say the activation takes longer time than we expect but it will be worth at the end. * **What’s the average number of transactions per xpos in use?** Zac: The transaction number has increased very well. The number of each XPOS differs, due to the frequency of using crypto currency to purchase item or crypto assets. There’s no standard answer to this, but overall we see the transaction number and volume are going up. * **How do you plan to reach the target of 100,000 by 2021?** Zac: One of the challenges that we have is regulatory compliances in different countries. There are certain markets that do not allow crypto currencies and some require a clear approval for us to deploy XPOS. We are working on both challenges by talking to governments and applying for certifications. So how we plan to reach 100,000 XPOS user by 2021 is to work with distributors, B2B partners on a government / business level, and with existing POS companies to integrate our software solution into the system. * **We understand as there was bear market and hence Xpos usage demand was low. Are you guys seeing growth of Xpos usage with current market conditions. Can you guys put some statistics comparison like last 30 days Xpos usage vs any month from bear market usage?** Zac: It is very clear that as we moved out from the bear market, the demand for XPOS has been increasing. As we’ve shared just now both the transaction number and volume of Q2 have beaten Q1. We’ll be able to share more transaction numbers once we receive approval from our XPOS merchants. One exciting thing is that, with the listing of different tokens, we also see users using these tokens as a way to transact on XPOS, which means we will be having more ways to transact and this is a growth point for XPOS. * **When will there be more details for XPHONE and XPOS HANDY?** Zac: For XPOS handy, we have finished production and it will be released in Q3 * **When will the iOS version of XWallet and XPOS be fully translated to other languages?** Zac: Right now, the XWallet has Traditional Chinese, Korean, Spanish, German and English. With the latest version update, it now includes Portuguese. XPOS also comes with many languages and we hope to finish with more language, either working with professionals or volunteers. If you’re interested in volunteering, please contact us. * **When will the Merchant back office have Product Registration and SKU id ability and also integrate with other POS software?** * **When will the top-up feature go away for XPOS to allow liquidity for XPOS** Zac: We constantly update features in XPOS and merchant backend to make it easier for distributors and merchants to use. We understand that one of the ways for mass adoption is to enhance our distributor management system. With that, the distributors can manage manay XPOS at one time with different merchants. Please stay tuned as we announce more and more functions of this feature. ## On Dubai * **When will we see the deployment of the XPOS in Dubai?** * **Can we spend NPXS on the Dubai XPOS?** Zac: As with all big projects there are a lot of moving parts, that includes working very closely with the local government, in Dubai’s case, the Credit Bureau of the Finance Ministry. Things are progressing for the Dubai project but due to confidentiality agreements with the parties involved, we cannot reveal much. All we can say is that we and our Dubai partners are working hard to have XPOS roll-out in the Dubai market and the UAE. We are also discussing aggressively with Dubai partners whether to include crypto assets in the XPOS in Dubai. That clearly will involve local compliance and legal for that to happen. * **Your system upgrades expect merchants to have downtime on their XPOS terminals, can you explain if you plan to run a business why this would be considered feasible (specially at the rate you have been doing your upgrades)?** Zac: Yes, the benefit / strength of the XPOS is that most of the updates can be done on the fly. For example, when we have a token update on our XPOS where developers submit their tokens on Open Platform, the updates of this token are on the fly, which means that once we approve the token on our Open Platform, it will automatically appear on XPOS without any software updates. The great thing that we believe about XPOS is not just the support of crypto assets, but also the ability to update most things on the fly, which means that whenever we have a good feature or a new token, the updates will be done instantaneously. * **Can you guys arrange at least a community voting which is the next blockchain we would like to see next in XPOS? Voting will help to prioritize to chose the projects.** Zac: One of the reasons why BNB is being listed on the XPOS is simply because of its popularity and also our user demand, in a way that we are already answering to our community’s request. Right now, our main focus is getting all the tokens submitted on Open Platform to be listed on the XPOS. The submission process includes legal and compliance valid, so our legal and compliance teams are working hard to make sure that we have more tokens to roll out onto Open Platform, which means that they will be on XPOS, XWallet, and XPASS. As to a specific voting mechanism, we’d like to consider that and hopefully we’ll be able to run a specific voting for the chain which users would like to see. * **While comparing Xpos handy to Square POS devices at least with mobile it’s very cheap like under $30 and easy to use. When can we expect such light weight and cheaper version for XPOS? Is team working on such devices ?** Zac: There are different POS companies around the globe and pour focus is to work with these POS companies with our software, so that a crypto sales feature will be part of the existing POS system. The more support of crypto asset usage using our software on existing POS, the better it is for global adoption. We actually strongly believe that the pricing of our POS system is competitive in the market. And one of the great features of the XPOS is that the merchants will not need not to pay a certain percentage to existing acquirer but to be able to earn certain percentage from each transaction. That is the key differentiator for merchant to want to adopt this. * **From the website with some of the key Countries for XPOS adoption looks great. However, the concern is for Venezuela, there is no reference link like the others have. Can you guys add the link with details to clear the ambiguity?** Zac: Let’s give a little bit more patience so that we can actually release more information about our Venezuelan partnership. The good news is that we expect concrete news from Venezuela in the coming 2 weeks. So stay up-to-date about our Venezuelan roll out on XPOS, the best way is to subscribe to our telegram group for Venezuela. ## On Partnerships * **Are there some major partnership in the works? I’m also interested in how you do immediate transactions? Do you anticipate scaling issues?** Zac: The way XPOS is being designed is that when you use your crypto assets to purchase, it will have instantaneous confirmation because the action is an off-chain process. An on-chain action happens when a user who owns crypto assets in our system transferring the assets out of the Pundi X ecosystem to their own wallets; or to transfer crypto assets in Pundi X from an off-chain to a private wallet, which we will have very soon on XWallet itself. That is why we are able to handle scaling. When a person wants to use crypto currency to buy a coffee, the transaction will happen instantaneously. For specific partnership, especially with B2B partnership, we oblige to the NDA that we have signed. But if you follow us closely, you’ll know that we go to different parts of the world, talking to major companies to try to land more deals so that NPXS usage will increase dramatically. * **Any big partnerships for making xphone or using the software for xBlockchain?** Zac: These partnerships are also subjected to NDA, so please be patient for us to release more news. * **When will XPOS have approval to process Visa and MasterCard payments?** Zac: We have met representatives from these players including some of the key management people. They are obviously looking into crypto currency attentively, and we hope that there’s something we can do with MasterCard and/or Visa. This is something that the community has suggested and we agree fully. Please allow us with some time to work on this. We have also showcased XPOS to the CEO of MasterCard. For what or when will anything happen, please wait for our official announcement. * **What’s the status on Quantum fund and their contribution or involvement with Pundi’s project?** Zac: We announced last year that we are creating a fund to invest in projects beneficial to our ecosystem. We’ve identified some interesting projects, and we have invested in at least 1 project. The reason why we’re investing in that project is because of the services that it will bring onto the Pindi X ecosystem. So the purpose of the investment of the companies is that these companies in turn will benefit on our ecosystem. This is our key consideration. The team has evaluated the projects that will benefit the Pundi X / Function X ecosystem. Vic and his team will be able to reveal more details on the companies we have invested in and how they will contribute to our ecosystem in Q3. * **Recent update on NPXSXEM is highly ambiguous as mentioned that it will be now BEP token and later once FX goes live it will get back to Fx platform. Why you guys had so rush to use Binance chain only for few months? Isn’t you guys switching to much in a short time span?** Zac: Liquidity and utility have been an issue for NPXSXEM. Due to the design philosophy and the limit of token that can be created on NEM’s smart contract, we are only able to create a small number of tokens on NPXSXEM. By moving into the Binance chain for NPXSXEM, the BEP2 token version will be able to support all the NPXSXEM tokens, which means that we’ll migrate and also be able to make sure all the NPXSXEM tokens are under the same contract address. We believe with the strong liquidity, we will be able to give our NPXSXEM token holders a good reason of what the token holders have been waiting for. We hope to bring NPXSXEM to match the level of NPXS. * **When #XRP?** Zac: Our OpenPlatform is a currency agnostic platform, which means that we will work on integrating public chain as well as tokens that are most requested by the users. We’ll also be looking into the listing of different tokens that are being mentioned by the community. As said, we will have at least one more public chain integration in Q3, perhaps even more. * **Are you as a company going to try and connect with libra? If they have said they want to be a payment remittance service, have Square, PayPal, Visa on board I as an investor would prefer you try to join them rather than beat such large competitors** Zac: Of course, we’ll be delighted to work with Facebook and also the Libra coin. Pundi X and XPOS is a currency agnostic / currency neutral platform, if there’s opportunity to list Libra coin or work with Facebook in different ways to promote crypto currency adoption, we’ll certainly look into that and work on reaching out to them. ## On Trading * **Can you confirm during AMA, Pundi team is not involved with any trading with their own token like selling over time to manage the fund to run the company.** Zac: All the wallet addresses of the team holdings are disclosed and transparent. This is one of the first things that we did after ICO. Hence, our token holdings are transparent and everyone can monitor our fund transactions. Also, we have strict internal financial regulation and compliance, shows that we are here to build a long-term project. The best way to make NPXS or the NPXSXEM to rise is real daily life use case. * **When will you stop manipulating NPXS chart?** Zac: Our focus has always been and will be building great products. The more product usage, the demands for NPXS and NPXSXEM will increase. Let’s address again that, Pundi X the company is NOT involved in any manipulation of the NPXS price. There are trading teams, market makers, financial institutions that profit from the drop and rise of token prices in the crypto market. The good thing about NPXS is that we have managed to create a high liquidity by listing on 40+ exchanges and having global trades and demand from all over the world. We hope this and coupled with the fact that we are a solid product and roll out the use cases, the demand of NPXS will only continue to rise and will be able to deter any of the traders or speculators there is for NPXS. These traders gain profit from manipulating tokens whether BTC or other tokens. In fact, the traditional financial markets have similar challenges as well. What I want to stress is that, we at Pundi X, do NOT speculate or manipulate the price. We work very hard to create demands for NPXS and as a company, it is only beneficial for us to see the prices of NPXS and NPXSXEM rise. * **Can we please address the elephant in the room which is the Binance bot with huge sell walls and buy walls causing huge distress and concern among users?** Zac: First, I cannot confirm nor deny that whether Binance has a bot. I think this is something that you need to ask Binance. We need to work with Binance because Binance has one of the biggest liquidities, if not the greatest liquidity, for NPXS. The best way to counter manipulators is to create more use case, more demand and more acceptance of our tokens. * **Why on almost all exchanges do you not offer a USDT trading pair?** Zac: We have USDT trading pairs on Bittrex, Bittrue, and more. In addition, we have fiat pairs in Korean Won, IDR, INR, and Turkish liras. We will continue to work on adding trading pairs for NPXS to make it more liquidate. * **Why don’t you offer a stable coin sell and purchase on the xpos to help with adoption? Places in Africa with volatile currencies would go crazy for this.** Zac: It’s a great observation. This is a request that’s been asked from many users. We’re working on stable coin listing on XPOS and hopefully it’ll come soon. Stable coin requires a greater compliance and legal validate, which we have been working on since months ago and we hope to have the stable coin up in XPOS soon. * **When will you add an active tracker for coin burn, whether its measured in usd, NPXS or whatever you choose. The community has been asking for this on twitter, reddit and telegram for this entire year.** Zac: It will be hard for us to have a daily tracker of the coin burn, but what we might be able to work on is a tracker which have shown all of the tokens that have been removed from the usage. Thank you for giving us this great suggestion and we will work on it in some form. Zac: Our token supply has always been specified in our white paper, and as promised in our white paper, we will continue to remove tokens through usage and use cases, which we’re working on all the time. * **Price movement. When will NPXS go to which price?** Zac: We cannot comment on the change of the price. Our focus is on building products. We hope by doing that the NPXS value will go up. Again, there’s no way that we can comment on the price. **I believe that burning tokens every 14 weeks keeps the price suppressed and will only lead to huge pumps and dumps. Imo, If the burns were more frequent, the price would move organically.** Zac: We continue removing tokens quarterly per advised by our legal and compliance team. **Is it mandatory npxs swap? What happens for token we have in binance?** Zac: No it’s not a mandatory NPXS swap for FX. **How many NPXS or NPXSXEM was converted?** Zac: In Q2, we will remove 29B NPXSXEM and 9B NPXS. ## On XWallet * **Why not put in XWallet like the place where we can buy and sell like restaurants and shops?** Zac: You are correct. In fact, if you look at XWallet, there is a merchant feature, whereby you can register as a merchant. By becoming a merchant, you will be able to print out your QR code and stick it on your restaurant. People are able to make payment through this QR code. This will act like a mini-XPOS. * **In addition to that having multiple different blockchain in XWallet will increase the XWallet adoption. Hence, we would like to see aggressive game plan and execution from the team and would like to hear that** Zac: That’s a great suggestion. Every day we want to increase use cases for XWallet. In fact, our XWallet update is one of the most frequent in the market. Within 5 months, we have over 10 updates on iOS and Google Play. This does not include soft update which happens every several days. In my view, the effort is very tremendous. * **Is there any plan to add Swap option within XWallet so that people can trade the coins within XWallet?** Zac: Yes, there’s such plan and in fact there is an upcoming feature that people will be able to use coins in XWallet to exchange into other things. The exact form and format have not been reviewed. We hope to share more when we have concrete example. But what you suggested is what we are planning for months ago. * **When will XPOS and XWallet have fiat on ramps?** Zac: This is a good question. It’s not only involved with regulatory compliance but also involved the technical part. This is also something we are planning for months. Once approved, hopefully we are able to support fiat currency on ramps and off ramps on XWallet. **On Others*\* * **How is the internal organization doing? Currently how many employees work for Pundi? Currently how many job positions are open?** Zac: Pundi X has grown tremendously. We are now having over seven offices around the globe. I’m sitting in the Singapore office. We have office in Jakarta, Taiwan, Tokyo, Shenzhen, São Paulo and London. These are the places we have physical offices and house approximately 100 full time employees of Pundi X. The positions open from Pundi X are legal associate in Singapore and other offices. We are looking for more R&D people, especially in Taiwan. We are looking at marketing and PR people in different parts of the world. And we are looking for POS distributors. As a POS distributor, you will work with our business development team and also our technical team to roll out many XPOS which you have a network to control in your local market. * **Would you consider removing the KYC to allow u.s. holder to stake and be rewarded?** Zac: We would love to have more users, including US. However, our compliance and legal advisors have not allowed us to accept US holders to stake and be rewarded. I’m sorry to say that but this is after serious consideration to make such a decision. In fact, it is a very hard decision because we have healthy user base in the US. will continue to monitor the situation in the different markets and be compliant. There are also ways to be rewarded when using XWallet service without KYC. We are looking into to explore more on this and launch new features. Hopefully we are able to bring the beta version for you to test this week or next. **On XPhone*\* * **Where are we on pre-sale announcement of Xphone? It was highlights of Q2 goal. If we are getting delay, that’s ok. But at least community will have some clarification why it’s getting late and when approximately it coming?** Zac: Pre-sale order will start this month. It’s likely the end of July. Pre-sale will take place in different channel including the official website and XWallet. Apart of our own channel, the pre-sale will go live on a 3rd party channel. People will be able to pre-order crypto either in crypto or in fiat. * **Can you discuss in AMA, is participants can pay with Crypto or Credit/debit card or in both ways?** Zac: As a crypto company, we prefer payment in crypto, but fiat, Visa, MasterCard, and other traditional payment methods will be accepted on different pre-order channels. Stay tuned for pre-order which will happen in late July. * **Will the Xphone be open to purchase in all regions of the world?** Zac: Yes, pre-orders will be able to be done on-line, and products will be shipped from our offices to users in different parts of the world. * **Will the blockchain mode on the Xphone be operable during the testnet or will this function not work until mainnet?** Zac: XWallet and XPhone are the first channel and avenue for Function X testnet, so once the testnet is operateble, we will start to engage certain services on XWallet and XPhone into Function X testnet, and ultimately into mainnet. Slowly but surely. * **Does Xphone have hard protective cover,extra Sim slot, also is it enhanced with ip68 water rating?** Zac: XPhone will not be waterproof, so please do not submerge XPhone into water. XPhone will definitely be eavesdrop-proof because we’re using a blockchain mode, only you and you control your own conversation. * **Which country accept the Xphone?** * **Will I also be able to use the SIM-card?** * **The blockchain modus will work in every country (what in the absense of nodes)?** * **Will the XPhone I buy now support updates in the future?** Zac: People from any country will be able to buy XPhone on-line. You will be able to use a SIM for we have built a SIM slot. Wherever you are, the XPhone can be turned on to become a node. Will XPhone support future updates? Yes, of course. Just like the XPOS, we support silent update. It will be like how we support XPOS, many updates. The updates will always be supported on XPhone. **On Function X*\* * **When is the detail white paper coming for FunctionX? Why the team is very resistive to have well documented white paper? We need scientific approach and well documentation on FunctionX to have developers to be more involved.** Zac: Yes, developer involvement is a key criterion of the growth of Function X. We have done 2 things, one is that we have set up Function X Foundation which is led by David Ben Kay and will involve third party adviser and board members. Second, we have set up a developer relations team led by one of our own members as well. This team will work on creating developer documents, developer demos and sample, so that excellent developers can tap into working with Function X resources. The first version of developer documentation is ready in English and Chinese. We are still polishing up the documents and hopefully to release them soon. We are also working with third party developers, and are engaging at least 2 third party developer companies, so that we can help create their services on Function X and also XWallet. We are hoping to showcase a smooth and usable service to the audience, we think this is the key criterion of the Function X growth. Thank you for this suggestion. We need to update more often on github developer documentation as well. As for the white paper, we did not have one per se because Function X did not do an ICO. But we will continue to update our white paper and include not only technical details, but also details on the chain and how we can get more developers and users so that the future hardware will be added as a node and you will be rewarded financially, at least through our ecosystem genesis fund. Please stay tuned and there are a lot of things going on in the company. Each and one of us is working hard. * **Why does the FX ecosystem need a decentralized OS?** Zac: The mantra of Function X is decentralization and having private control of your data. A full private control of your data comes with a decentralized system not just in transmission of your data, but with the operating system built fully for decentralization , which includes a transmission protocol replacing http. The apps uploaded into Function X will be decentralized as well as the data that is stored on the app, which means that how BitCoin or crypto assets are verified on different nodes will also be part of the way we store data and content. The decentralized OS is key to fulfilling a decentralized environment for a more private and free usage. * **What about FX are you most excited about?** Zac: We are actually creating a shift of how people view of blockchain and how decentralization is not just about transacting commercial commodity, but also data, including your identity, are all decentralized. That is what we are most excited about. The only way for us to achieve this is to have developer support, for we need the developers to build on the foundation we have to offer those exciting services. * **We understand that developing a new blockchain is time consuming. As a community we are in a dark space to understand where exactly the development of FX right now.** Zac: We are working hard on creating the testnet and eventually the mainnet. For the latest updates of Function X, what I can encourage you to do is to go on and subscribe to the Function X telegram group where discussions are made. We have formed the Function X Foundation and created the developer relations team, so that the Function X progress will go smoother and with more partnership from outside, whether it’s developers, third party companies, teleco, etc. * **When FX goes live on the mainnet, will FX coin be used to stake and earn NPXS? how will staking work on that new mainnet?** Zac: The NPXS/NPXSXEM staking will last till March 9, 2020 as announced. What we are committed is to create more use cases. For FX tokens, the use cases will be focusing on the Function X Chain and the use cases on Function X that include DApp on Function X and different hardware/software services. * **When fx testnet will be available?** Zac: First I would like to thank you for your constant support. In Q3, we plan to open Function X testnet so that we will be migrating and creating certain use cases that can be used on Function X testnet, starting with our own XWallet. Which means, the XWallet will migrate some features into Function X testnet, and slowly followed by our other Pundi X products, including XPhones, XPASS, Open Platform and Function X own developer related products from third parties.
Invite to the Reddit 2019 Directory of VPN service providers. In this directory site, we're taking a look at a few of the absolute best business VPN provider on the Internet like ExpressVPN, CyberGhost, IPVanish, Hotspot Shield, Private Internet Access and others. Instead of taking a look at the large range of free suppliers, which often have a lot of limits (and dubious loyalties), we are looking at those suppliers who charge a couple of dollars a month, however put your interests first, instead of those of shadowy marketers and sponsors. We've looked at more than 20 elements including variety of server locations, client software, devoted and vibrant IP, bandwidth caps, security, logging, client support and rate. Let's take a look at each of our suppliers below in a little bit more depth. ExpressVPN Number of IP addresses: 30,000 Number of servers: 3,000+. Number of server locations: 160. Variety of synchronised connections: 5. Country/Jurisdiction: British Virgin Islands. 94+ countries. 3 months Free with 1-year strategy. ExpressVPN likewise uses a 30-day money-back guarantee, and has outstanding procedure assistance. While few will utilize PPTP (unless there specify requirements), the extra support of SSTP and L2TP/IPSec might be welcome to some users. We like the quality of their setup guides, and the in-depth details in their Frequently Asked Question. The ExpressVPN got points from us for their support of Bitcoin as a payment technique, and their trustworthy and easy-to-use connection kill switch feature. The company has actually stayed in business because 2009, and has a significant network of fast VPN servers spread throughout 94 nations. Their finest plan is priced at simply $6.67 monthly for an annual plan that includes 3 months complimentary. ExpressVPN's dedication to privacy is a standout feature. SEE ALL EXPRESSVPN PLANS. NordVPN. Number of IP addresses: 5,000. Variety of servers: 5000+ servers. Variety of server locations: 61. Country/Jurisdiction: Panama. 60+ nations. $ 2.99/ month (75% discount rate) for a 3-year plan. NordVPN in-depth review and hands-on screening. NordVPN is among our top-performing VPN companies. They even use a generous simultaneous connection count, with six synchronised connections through their network, where almost everyone else deals five or less. NordVPN's network isn't as big as some of their competitors, so if you're attempting to obfuscate your tracks, you might want a company with more servers. Otherwise, this business is plainly offering a winning offering. Their finest plan is 1-year membership strategy: $6.99 ($ 83.88). While their month-to-month price of $11.95 is at the high-end of the spectrum, their annual price of $83.88 is lower than a lot of our competitors. And yes, they also have a full 30-day refund policy. NordVPN likewise provides a dedicated IP choice, for those looking for a different level of VPN connection. They do provide $2.99/ month (75% discount rate) for a 3-year strategy. SEE ALL NORDVPN PREPARES. cg-22-1. CyberGhost VPN. Number of IP addresses: 2,800. Number of servers: over 3,700 worldwide. Variety of server locations: 115. 24/7 support action. $ 2.75/ month (79% discount) for a 3-year plan. CyberGhost thorough evaluation and hands-on screening. CyberGhost has actually been around because 2011 and has come out strongly as an advocate of "civil rights, a complimentary society, and an uncensored Internet culture." We truly liked how the company specifically showcases, on their Website, how folks usually prevented from accessing such essential services as Facebook and YouTube can bring those services into their lives by means of a VPN. The company has strong Linux assistance, supports VPN through routers, and has a solution for the popular Kodi media player. They mark off all the boxes on procedure support and get congratulations for offering a connection kill switch function, in addition to supporting P2P and BitTorrent in most nations. Still, the few extra dollars deserve it. We liked how the business offers custom-made app security, IPV5 support and DNS, IP, and WebRTC leakage prevention. CyberGhost also picked up points for preserving privacy by not logging connection information. SEE ALL CYBERGHOST VPN PREPARES. ipvanish-300x250usjc. IPVanish VPN. Variety of IP addresses: 40,000+. Variety of servers: 900. Number of server locations: 60. Country/Jurisdiction: United States. $ 4.87/ month (60% discount) for a 1-year strategy. A big win for IPVanish is the reality that the business keeps no logs. Absolutely no. We also like the business's stance towards privacy. They even supply support to EFF, the Electronic Frontier Foundation, a not-for-profit at the front lines of securing online personal privacy. An unique feature of IPVanish, and one we're extremely interested by, is the VPN's assistance of Kodi, the open-source media streaming app that was as soon as referred to as XBMC. Any severe media fan has used or constructed Kodi or XBMC into a media player, and the integrated IPVanish Kodi plugin provides access to media worldwide. At $7.50/ month and $58.49 for a year, they're undoubtedly attempting to move you towards their annual program. We awarded the business congratulations for Bitcoin support, and their money-back guarantee. We're a little disappointed that they just allow a 7-day trial, instead of a full 30-days. The company is generous, with five simultaneous connections. We also liked their connection eliminate switch feature, a must for anyone serious about staying confidential while browsing. SEE ALL IPVANISH VPN PREPARES. purelogo. PureVPN. Variety of IP addresses: 300,000. Variety of servers: 2000. Variety of server locations: 180. Country/Jurisdiction: Hong Kong. $ 3.33/ month (70% discount rate) for a 1-year plan. PureVPN does not log connection details. We like that they provide a 30-day refund policy. They got perk points because, essential for a few of our readers, PureVPN supports bitcoin payments and you're going like their fast performance. Also, you can grow with them. If after a long time, you require to scale up to business-level plans, the business has offerings for development. Prices is middle-of-the-road, at $10.95 each month and $35,88 annually. Finally, we like that PureVPN has both Kodi and a Chromebook solution called out right on their Web page. In addition, PureVPN earns the distinction of being the very first VPN service we've seen to totally implement the GDPR. SEE ALL PUREVPN PLANS. strongvpn-logo-1. StrongVPN. Variety of IP addresses: 59,500. Variety of servers: 689. Variety of server places: 70. $ 5.83/ month (42% discount rate) for a 1-year strategy. StrongVPN blasts onto our favorites list with outstanding facilities and good price efficiency. As with our other favorites, StrongVPN has a strong no-logging policy. Since VPN is all about securing your personal privacy, that's a place the savvy VPN service providers can get points. Strong likewise picks up congratulations for its large base of IP addresses, which also helps protect your anonymity. They have a strong collection of servers and around the world locations. For those of you who need a devoted IP, you can get one from the company, however you'll require to contact support to get assist setting it up. Among StrongVPN's greatest strengths is the company's network. They own and operate their entire network infrastructure, which implies they have no externally-dictated limitations on bandwidth or the type of traffic enabled on the network. This gives you the self-confidence that you'll have the ability to power through your work. StrongVPN's monthly price of $10 is in the middle of the pack, however their yearly cost of $69.99 is amongst the most affordable of our contenders. SEE ALL STRONGVPN PLANS. symantec-logo-100268876-large. Norton Secure VPN. Number of countries: 29. Variety of servers: 1500. Variety of server areas: 200. Country/Jurisdiction: US. $ 39.99 for the first 12 months. Symantec, long understood for quality in security items, has a fairly minimal offering in its VPN item. It does not support P2P or BitTorrent, it does not have a kill switch feature, and it does not support Linux, routers or set leading boxes. On the other hand, it's a VPN product from Symantec, a publicly-traded business with a clearly recorded management team. In many software application classifications, this might not be a notable advantage, but in the VPN world, where most companies have shadowy management and impossible-to-track-down ownership structures, it's revitalizing to understand exactly who we're handling and understand through independent sources (the company's annual filing, the SEC, and analyst reports) that the company is reliable and liable. SEE ALL NORTON SECURE VPN PLANS. hotspot. Hotspot Guard. Variety of IP addresses: 50,000. Number of servers: 2500. Number of server places: 26. $ 2.99/ month (77% discount rate) for a 3-year strategy. HotSpot Shield is an item that has actually had some ups and downs in regards to our editorial protection. Back in 2016, they picked up some really favorable protection based upon founder David Gorodyansky remarks about protecting user personal privacy. Then, in 2017, a personal privacy group implicated the company of spying on user traffic, an accusation the company flatly denies. Lastly, just this year, ZDNet uncovered a flaw in the company's software that exposed users. Thankfully, that was repaired right away. So what are we to make from HotSpot Guard? Frankly, the debate caused us to drop them from our directory for a while. However they approached us, made a strong case for their ongoing dedication to privacy, and we chose to give them another chance. Here's the good news. They use one of the very best money-back warranty we have actually seen for VPN services, a complete 45-days. They support Windows, Mac, iOS, and Android, along with plugins for Chrome and Firefox. They also support routers and media players (but not Linux). And, as a reward, they have a connection kill switch feature. The business does not support P2P or BitTorrent-- and they also don't support the OpenVPN. Every other supplier does, but HotSpot Shield limits its protocol assistance to L2TP/IPSec and something they call Hydra, an enhancement of the transport protocol. Overall, the company did impress us with their attention to personal privacy. They have actually a released personal privacy canary. They likewise informed us, "We have actually integrated in malware, phishing and spam security. Our dedication to our users is that Hotspot Guard will never ever keep, log, or share your real IP address.". SEE ALL HOTSPOT GUARD PLANS. hidemyass300x250usjc. Conceal My Ass. Number of IP addresses: 3,106. Number of servers: 830. Variety of server locations: 280. Country/Jurisdiction: UK. $ 2.99/ month for 3-year strategy. We have to provide these folks an extra shout-out just for the name of their service. The company has a strong network with an excellent selection of protocols supported. While they have a comprehensive (and really plainly written set of policy documents), the company clearly permits P2P and gushes. We like how HMA provides assistance on a wide variety of devices consisting of video game consoles. We gave them kudos for bitcoin support, and their outstanding money-back guarantee. They did make us frown a bit since they do log connection data. They also use five synchronised connections. While their monthly pricing of $11.52 is at the high end of the spectrum, their yearly rates is competitive at $78.66 for a full year. SEE ALL CONCEAL MY ASS PLANS. gf-logo-300x250-wht-720. VyprVPN Solutions. Variety of IP addresses: 200,000+. Variety of servers: 700+. Variety of server locations: 70+. Country/Jurisdiction: Switzerland. 30-Day Cash Back Guarantee. $ 2.99/ month for 3-year strategy. VyprVPN has the largest bank of IP addresses of any of the services we have actually taken a look at. The business provides a wide range of procedures, including its own high-performance Chameleon connection procedure. We like that the company provides a connection kill switch feature and, for those who require it, there's a choice to get a dedicated IP address. VyprVPN is a standout in their effort to offer privacy, and ward off censorship. When China began its program of deep package VPN assessment, Golden Frog's VyperVPN service added scrambled OpenVPN packets to keep the traffic streaming. At $9.95 for a month's service, and $80.04 for a year, the service is a good deal. SEE ALL VYPRVPN PREPARES. private-internet-access-ad-300x250. Personal Web Access. Variety of IP addresses: N/A. Variety of servers: 3,252. Number of server places: 37. Country/Jurisdiction: United States. Mentioning rate, if you desire a strong VPN service provider and you want the lowest yearly rate anywhere, Private Web Access is the location to go. At $6.95 a month, their regular monthly charge is the second least expensive of our choices, however at $39.95 per year, Private Internet Access beats even the second most affordable annual price by a complete Jackson (a $20 expense). The company does not launch details on the variety of IP addresses offered, but at 3,252, their server count is more than any of our other choices. These folks have been around given that 2010, and do not log anything. They supply a generous five connections, a connection kill switch feature, and some excellent online documentation and security assistance. Our one dissatisfaction is that their refund policy is 7-days rather of 30, however you can definitely get a feel for their exceptional efficiency in the area of a week. SEE ALL PERSONAL INTERNET ACCESS PREPARES. torguard-300x250. TorGuard. Variety of IP addresses: N/A. Number of servers: 1,600. Variety of server places: 50. Country/Jurisdiction: United States. Despite the fact that the business doesn't launch the number of IP addresses it supports, TorGuard didn't disappoint. In addition to standard VPN services, TorGuard uses a wide array of additional services, depending upon your personal privacy requires. Just like our other favorites, TorGuard keeps no logs whatsoever. They have a full suite of protocol support, so no matter how you want to connect, you can have your choice. We likewise like the active blog site the company keeps. It's relevant and intriguing to anybody with Web security concerns. While TorGuard only offers a 7-day return policy, it's enough time for you to be able to decide if you're pleased. The monthly rate of $9.99 is practically at the middle of the range, but the yearly fee of $59.99 is a deal compared to practically all our other competitors. SEE ALL TORGUARD PLANS. buffered-logo-300-250-1-1. Buffered VPN. Variety of IP addresses: 11,000. Number of servers: 800. Variety of server locations: 46. Country/Jurisdiction: Gibraltar. Buffered VPN doesn't disclose much about the size of its network, however the 30-day refund ensure suggests that you can take their service for a test drive and really get a feel for how well it carries out for you. The business distressed us due to the fact that they do keep some connection information. They cheered us up, though, due to their client support, limitless bandwidth, and generous number of simultaneous sessions permitted. The company is reasonably new, established in 2013. It's based in Europe, so those who choose an EU-based business might choose Buffered. We like how Buffered has made a strong dedication to Web liberty, and an equally strong dedication to supplying quality customer support. At $12.99 monthly and $99.00 for a year of service, they do not provide the least costly plan, but we do suggest providing a shot. SEE ALL BUFFERED VPN PLANS. goose. Goose VPN. Variety of IP addresses: 8. Variety of servers: 8. Number of server locations: 39. I needed to know why Goose VPN was so named. My very first order of business was to connect to the company's co-founder and ask. Geese, I was told, make exceptional guard animals. There are records of guard geese providing the alarm in ancient Rome when the Gauls assaulted. Geese have been utilized to secure an US Air Defense Command base in Germany and a brewery in Scotland. It's clear that the goose is an ideal mascot for a service that's suggested to guard your digital communications. And so, we have Goose VPN. Goose VPN has a number of standout features. Initially, you can have a limitless variety of synchronised connections (or gadgets) using the VPN at once. Second, if your bandwidth requirements are 50 GB or less per month, you can register for $2.99/ month, the most inexpensive monthly rate we have actually seen. If you desire unlimited bandwidth, the company definitely is pushing you towards purchasing a year at a time. Their regular monthly cost for unrestricted bandwidth is a middle-of-the-road $12.99/ month, but if you invest $59.88 for a year's service, you'll find it's the second least expensive by-the-year price of the services we have actually examined. Goose supplies all the typical clients, including iOS, Android, Mac, and Windows, and adds assistance for routers, Android TELEVISION, and Linux. They are dealing with a kill switch function, which may even be up and running by the time you read this evaluation. The company also provides 24/7 ticket-based support. Ducks quack, geese honk, and swans whoop (we know, because we looked it up). Overall, particularly provided the limitless connections and low yearly rate, we believe Goose VPN is something to beep about. SEE ALL GOOSEVPN PLANS. surfshark-logo. Surfshark. Variety of servers: 800+. Variety of server locations: 50. Country/Jurisdiction: British Virgin Islands. While Surfshark's network is smaller than some, they make it up on functions. Let's start off with the greatest win they provide: endless device assistance. If you want to run your whole home or office on Surfshark's VPN, you don't have to worry about the number of gadgets you have on or linked. They also use anti-malware, advertisement stopping and tracker blocking as part of their software application. The company has a solid variety of app support, running on Mac, Windows, iOS, Android, FireTV, and through routers. We particularly like the feature that permits you to whitelist certain apps and websites to instantly bypass the VPN. For some service usage, this can be seriously crucial. Surfshark also offers three special modes developed for those who wish to get around limitations and more thoroughly hide their online footsteps. Camouflage Mode masks your VPN activity so your ISP does not know you're utilizing a VPN. MultiHop dives your connection through multiple nations to hide your trail. Lastly, NoBorders Mode "allows [you] to successfully use Surfshark in restrictive areas." Just be careful. Doing any of these three things might be illegal in your nation and could lead to really extreme penalties. For a year plan, Surfshark can be found in very close to much of the other full-featured VPN suppliers, at $71.88 for the first year. Take care, because it looks like that will jump to $143.40 after your very first year is up. Month-by-month plans are $11.95. Their finest deal is $1.99 a month, for their 24 month strategy (you pay $47.76 up front). Absolutely benefit from their generous 30-day trial to choose if you like this service (and possibly set a reminder in 23 months to see if you can talk them into a continued discount rate). SEE ALL SURFSHARK PREPARES. WEBROOT LOGO. Webroot WiFi Security. Country/Jurisdiction: United States. Beginning rate: $39.99. As VPN services go, Webroot WiFi Security is relatively bare-bones-- but it's also low-cost. Starting at $39.99 for a year of VPN service, you can get a package with both VPN and Webroot's antivirus software for $69.98 for your very first year. Sadly, both of these costs bump up after the first year. VPN security leaps to $59.99 and the package jumps to $119.98. While we praise the combination of VPN and anti-viruses in one package, Webroot has had a troubled few years. In 2017, it wrongly flagged Windows' system files as malicious. In 2018, a kernel exploit was found in the business's Mac anti-virus client. In 2019, the company was acquired by backup company Carbonite. If you're only safeguarding a couple of gadgets and wish to conserve loan, Webroot's VPN might be for you. That $39.99 rate is for as much as three devices. If you wish to protect 5 devices, you'll require to pay $59.99 for a year and $79.99 after that. Honestly, as soon as you get in that price variety, there are products with more abilities readily available. Webroot's VPN is also light on protocols. While they do link utilizing IKEv2 by default, they likewise provide L2TP and the very old and very insecure PPTP protocol (although they do warn that it's not "as" protect. Another concern for those of you who need deep security is that the business does log both which VPN server location you link to and the nation you connect from. So who is Webroot's VPN for? If all you wish to do is protect your Wi-Fi connection while browsing in your local cafe or at a hotel, you only require to connect a couple of devices, and you wish to save money, this is a convenient alternative. However if you require a major VPN with deep capabilities, you'll want to look elsewhere in this directory. Likewise, we didn't discover any reference to a money back warranty, so check with their pre-sales and support prior to purchasing. SEE ALL WEBROOT WIFI SECURITY PLANS. VPN FAQ Since we're living in a connected world, security and privacy are critical to ensure our personal safety from nefarious hacks. From online banking to communicating with coworkers on a daily basis, we're now frequently transferring data on our computers and smartphones. It's extremely important to find ways of securing our digital life and for this reason, VPNs have become increasingly common. What Is a VPN? A virtual private network (VPN) is a technology that allows you to create a secure connection over a less-secure network between your computer and the internet. It protects your privacy by allowing you to anonymously appear to be anywhere you choose. A VPN is beneficial because it guarantees an appropriate level of security and privacy to the connected systems. This is extremely useful when the existing network infrastructure alone cannot support it. For example, when your computer is connected to a VPN, the computer acts as if it's also on the same network as the VPN. All of your online traffic is transferred over a secure connection to the VPN. The computer will then behave as if it's on that network, allowing you to securely gain access to local network resources. Regardless of your location, you'll be given permission to use the internet as if you were present at the VPN's location. This can be extremely beneficial for individuals using a public Wi-Fi. Therefore, when you browse the internet while on a VPN, your computer will contact the website through an encrypted VPN service connection. The VPN will then forward the request for you and forward the response from the website back through a secure connection. VPNs are really easy to use, and they're considered to be highly effective tools. They can be used to do a wide range of things. The most popular types of VPNs are remote-access VPNs and site-to-site VPNs. What is a remote-access VPN? A remote-access VPN uses public infrastructure like the internet to provide remote users secure access to their network. This is particularly important for organizations and their corporate networks. It's crucial when employees connect to a public hotspot and use the internet for sending work-related emails. A VPN client, on the user's computer or mobile device connects to a VPN gateway on the company's network. This gateway will typically require the device to authenticate its identity. It will then create a network link back to the device that allows it to reach internal network resources such as file servers, printers and intranets, as if it were on the same local network. It usually relies on either Internet Protocol Security (IPsec) or Secure Sockets Layer (SSL) to secure the connection. However, SSL VPNs can also be used to supply secure access to a single application, rather than an entire internal network. Some VPNs also provide Layer 2 access to the target network; these will require a tunneling protocol like PPTP (Point-to-Point Tunneling Protocol) or L2TP (Layer 2 Tunneling Protocol) running across the base IPsec connection. What is a site-to-site VPN? This is when the VPN uses a gateway device to connect to the entire network in one location to a network in another location. The majority of site-to-site VPNs that connect over the internet use IPsec. Rather than using the public internet, it is also normal to use career multiprotocol label switching (MPLS) clouds as the main transport for site-to-site VPNs. VPNs are often defined between specific computers, and in most cases, they are servers in separate data centers. However, new hybrid-access situations have now transformed the VPN gateway in the cloud, typically with a secure link from the cloud service provider into the internal network. What is a mobile VPN? A traditional VPN can affect the user experience when applied to wireless devices. It's best to use a mobile VPN to avoid slower speeds and data loss. A mobile VPN offers you a high level of security for the challenges of wireless communication. It can provide mobile devices with secure access to network resources and software applications on their wireless networks. It's good to use when you're facing coverage gaps, inter-network roaming, bandwidth issues, or limited battery life, memory or processing power. Mobile VPNs are designed and optimized to ensure a seamless user experience when devices are switching networks or moving out of coverage. It generally has a smaller memory footprint, and because of that, it also requires less processing power than a traditional VPN. Therefore, it enables your applications to run faster while the battery pack is able to last longer. A Mobile VPN is a worthwhile tool to have since it increases privacy, user satisfaction and productivity, while also reducing unforeseen support issues caused by wireless connectivity problems. The increasing usage of mobile devices and wireless connectivity make it more important to ensure that your data is being transferred through a secure network. It will allow you to access the internet, while staying safe behind a firewall that protects your privileged information. Who needs a VPN? Individuals that access the internet from a computer, tablet or smartphone will benefit from using a VPN. A VPN service will always boost your security by encrypting and anonymizing all of your online activity. Therefore, both private and business users can benefit from using a VPN. Communications that happen between the VPN server and your device are encrypted, so a hacker or website spying on you wouldn't know which web pages you access. They also won't be able to see private information like passwords, usernames and bank or shopping details and so on. Anyone that wants to protect their privacy and security online should use a VPN. How to choose a VPN Service? There's a vast range of VPN servers on the internet. Some are free, but the best ones require a monthly subscription. Before you decide to download a VPN, make sure you consider these factors for understanding a VPN: Cost - VPNs aren't too pricey, but they vary from vendor to vendor. If your main concern is price, then go with something inexpensive, or free - like Spotflux Premium VPN or AnchorFree HotSpot Shield Elite. By all means, try a free server but they do have a few drawbacks since they attract a lot of users. Free servers are often slower, and since most are ad-supported, they place adverts on the online pages you access. Others can even limit the speed of your connection, as well as your online time or amount of data transferred. It's also important to note that leading VPN providers such as NordVPN and Privacy Internet Access offer stronger security features to ensure you're digitally safe. When selecting a paid VPN service, always be sure to check which countries it operates servers in. Reliability - Select a VPN that is reliable and read the reviews to make sure that it's capable of protecting you by providing you with sufficient online privacy. High security - An effective VPN will have the following security features: 128-bit encryption, anonymous DNS servers and an absence of connection logs. Are there any bandwidth limits? This can often be linked to price; paying more will generally provide more bandwidth with faster internet access. Are apps for Android, iOS phones and tablets available? Apps for Android and iOS devices are also vulnerable, so make sure your VPN server can support them. To ensure privacy, you want to make sure you have a VPN that doesn't store online logs. Some servers provide virus and spyware protection, and features like that can significantly increase your online safety. Using a no-logs VPN service will provide you with a higher degree of security. It can protect you from blanket government surveillance and prevent your internet service provider from knowing your online activity. Using a VPN for Netflix and other forbidden treasures Online streaming services like Netflix and Hulu have been making it difficult for foreign users to access their content in other countries. Many people can get around region restrictions by using a VPN service to route your traffic through another country. It can be quite simple to watch Netflix and other restricted goodies. You'll have to use a VPN service that allows you to get a unique IP address. This can often be available for an additional fee. Look for VPN services that offer a "dedicated IP address", "dedicated IP", or "static IP." Additional features like these will always allow you to access content from Netflix through a VPN service. This is by far the easiest way to access your forbidden apps since there's no specific way to block VPN traffic. A lot of people started using a VPN to evade geo-restrictions. But despite its forbidden benefits to users outside the US, a VPN is a great tool that can protect you and enhance your online experience over the internet by providing you with sufficient security and privacy. When it comes to selecting the best VPN, you have plenty of choices. There are many cost-effective VPN options, and all of them will vary in monthly offerings. Choosing the best VPN is easier once you narrow down the competition. The best indication of a good VPN service provider is that they have the right security and the right support in place for you.
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