Binance Review 2018: Comprehensive Crypto Coin Exchange Binance is a Chinese cryptocurrency exchange. Binance was created after attracting funds via an ICO (Initial Coin Offering – creating a new digital asset, backed by the project. Changpeng Zhao, former CTO at OKCoin is currently at the helm of Binance. They are known for fast processing speeds coupled with an ability to process enormous numbers of transactions (1.4 million) each second. It’s been quickly gaining ground in market share cementing a place as a top 20 exchange in terms of volume. Binance transaction has reached a new level and currently score tenth place in the world. Binance offers a generous daily withdrawal limit. They don’t need identity confirmation when the per day remittance is within limit of 2 BTC. Binance Features Binance’s trading platform is web-based. Furthermore it offers two distinct trading layouts, a more simple one and a “Pro” version. Their ICO has created tokens named BNB that are traded on the exchange. They can also be used as a method of paying your trading fees, which will reduce them by 50%. Binance offers their own startup incubator platform as well. The trading functionality of the platform was of more interest so we focused on that for the purposes of this Binance review. Below is the “standard platform” look: Below is the advanced display: BINANCE Advantages Large Cryptocurrency Pairings Supported The competitive advantage of Binance’s platform is the ability to trade every major cryptocurrency pairing in existence. Coinbase and Gemini only offer trading of a handful of the larger market capitalization cryptos, whereas Binance allows users access to trade over 100 crypto coins. Low Fees AND LIMITS The fee structure is simple as well as being priced. There is a flat 0.10% fee on all trading. The 0.10% fee on trades is one basis point. If you were to buy a cryptocoin at 100 you’d have to sell it higher for 101 to profit. Ease of Setup Setting up an account is straight forward, similar to signing up for an account with other service providers. Another advantage is there is no lengthy waiting time, users are able to get setup and running within minutes. This is due to the fact that fiat is not accepted on the exchange. Binance Provides Significant Trading Volume Binance is currently the third largest exchange by cryptocurrency trading volume, according to coinmarketcap. At the time of writing, Binance’s volume was an astounding $5,441,711,452 in the last 24 hours! This volume demonstrates their users clear trust in the exchange, as well as the accessibility of the exchange and ease of transacting. This type of volume requires substantial servers and computational power. Wide Support of Cryptocurrencies No Verification Requirements Binance doesn’t require identity confirmation in instances when the per day remittance is within the limit of 2 BTC. The attractiveness of setting up an account with Binance may be greater for a user in a jurisdiction where certain exchanges choose not to allow new users because of restrictions imposed by that location’s governing regulatory bodies. Ease of Use You’re able to buy and sell crypto pairings with market or limit orders while specifying the amount or percentage you wish to trade for each transaction. BINANCE Disadvantages No Leveraged Margin Trading Margin trading is not available at Binance. Margin trading is a system which allows you to trade with more money than you actually have in your account. Your balance is then used as a guarantee to maintain your position open. No Fiat Functionality This has both advantages and disadvantages. Government fiat deposits are not currently enabled in Binance, instead this exchange focuses only on the digital side of things. Clients can deposit and withdraw the coins supported at the exchange. This means that you’re not able to deposit or withdraw in fiat currency, only cryptocurrency is supported. Relatively New Binance was started in only July 2017, according to this Reddit post. This is a major concern, as they don’t have a history. Despite all the good things people are saying on Reddit. it’s worth mentioning as many exchanges have come and gone. Binance appears to have a visible co-founder, unlike BTC-E. Conclusion Accessible option for obtaining Different Cryptocoins Binance is the most rapidly-growing and communally praised cryptocurrency exchange available. It’s China based location may spell issues in the future due to rumors of a “crackdown“. that currently accounts for a large amount of volume. Although Binance targets high frequency traders, it is quite useful for those getting beginning with altcoin trading. Their lack of fiat money deposits may be difficult to swallow for beginners, only supported cryptocurrencies may be deposited. Binance boasts a large number of various cryptocoins for trading. The main benefit is the ability convert between cryptocurrencies. For instance exchanges such as Coinbase and Gemini are more limited in the number of cryptocurrencies offered. The interface is also conducive to support shorter duration hold time day trading of cryptocurrencies if one were so inclined to deploy that strategy. Binance is an exchange worth looking into and integrating into crypto trading just for their large amount of supported crypto coins.

Tahu Tak Korang Boleh Keluarkan Duit KWSP Sebelum Had Pengeluaran Umur 60 Tahun? Ini 16 Jenis Pengeluaran Dan Cara-caranya - Hallo sahabat NewsToday, Pada Artikel yang anda baca kali ini dengan judul Tahu Tak Korang Boleh Keluarkan Duit KWSP Sebelum Had Pengeluaran Umur 60 Tahun? Ini 16 Jenis Pengeluaran Dan Cara-caranya, kami telah mempersiapkan artikel ini dengan baik untuk anda baca dan ambil informasi didalamnya. mudah-mudahan isi postingan Artikel Bisnes, Artikel Safe, Artikel Semasa, yang kami tulis ini dapat anda pahami. baiklah, selamat membaca.

Judul : Tahu Tak Korang Boleh Keluarkan Duit KWSP Sebelum Had Pengeluaran Umur 60 Tahun? Ini 16 Jenis Pengeluaran Dan Cara-caranya
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Tahu Tak Korang Boleh Keluarkan Duit KWSP Sebelum Had Pengeluaran Umur 60 Tahun? Ini 16 Jenis Pengeluaran Dan Cara-caranya

Tahu tak duit dalam KWSP kita boleh dikeluarkan sebelum had pengeluaran umur, 60 tahun?  KWSP telah menyediakan perkhidmatan ini bagi pengguna yang ingin mengeluarkan simpanan mereka bagi tujuan tertentu.

Nak tahu jenis-jenis pengeluaran KWSP serta cara-cara untuk memohon?  Jom baca info yang telah disediakan seperti dibawah:

#1. Pengeluaran Umur 50 Tahun

Ada 2 jenis pengeluaran:

• Pengeluaran Penuh Akaun 2
• Pengeluaran Sebahagian Akaun 2

Cara-caranya:

1. Bawa MyKad bagi Warganegara Malaysia atau isi Borang Permohonan KWSP 9B (AHL)
2. Pembayaran Secara Pengkreditan Terus Ke Akaun Bank Ahli (Senarai Nama Bank Panel KWSP Bagi Bayaran Pengkreditan Terus Ke Akaun Ahli)

#2. Pengeluaran Umur 55 Tahun

Ada 4 jenis pengeluaran:

• Kesemua Simpanan
• Sebahagian Simpanan (Amaun minimum RM2,000.00 & Setiap 30 hari dari tarikh permohonan pengeluaran terdahulu)
• Bayaran Bulanan (Pengeluaran minimum RM3,000.00 iaitu RM250.00 sebulan untuk sekurang-kurangnya 12 bulan)
• Kombinasi Sebahagian Simpanan + Bayaran Bulanan

Cara-caranya:

1. Bawa MyKad bagi Warganegara Malaysia atau isi Borang Permohonan KWSP 9B (AHL)
2. Pembayaran Secara Pengkreditan Terus Ke Akaun Bank Ahli (Senarai Nama Bank Panel KWSP Bagi Bayaran Pengkreditan Terus Ke Akaun Ahli)

#3. Pengeluaran Umur 60 Tahun

Ada 4 jenis pengeluaran:

• Kesemua Simpanan
• Sebahagian Simpanan (Amaun minimum RM2,000.00 & Setiap 30 hari dari tarikh permohonan pengeluaran terdahulu)
• Bayaran Bulanan (Pengeluaran minimum RM3,000.00 iaitu RM250.00 sebulan untuk sekurang-kurangnya 12 bulan)
• Kombinasi Sebahagian Simpanan + Bayaran Bulanan

Cara-caranya:

1. Bawa MyKad bagi Warganegara Malaysia atau isi Borang Permohonan KWSP 9B (AHL)
2. Pembayaran Secara Pengkreditan Terus Ke Akaun Bank Ahli (Senarai Nama Bank Panel KWSP Bagi Bayaran Pengkreditan Terus Ke Akaun Ahli)

#4. Pengeluaran Mengurang/Menyelesaikan Baki Pinjaman Perumahan

Cara-caranya:

1. Bawa MyKad bagi Warganegara Malaysia atau isi Borang Permohonan KWSP 9C (AHL)
2. Bawa Penyata Baki Pinjaman Perumahan mengikut format yang ditetapkan oleh KWSP ATAU Penyata Baki Pinjaman Perumahan Dari Lembaga Pembiayaan Perumahan Sektor Awam (LPPSA) (Tarikh penyata baki tidak melebihi 3 bulan dari tarikh permohonan diterima)
3. Surat Nikah ATAU Sijil Perkahwinan ATAU Sijil Kelahiran Anak untuk Permohonan Membantu Pasangan
4. Pembayaran Secara Pengkreditan Terus Ke Akaun Bank Ahli (Senarai Nama Bank Panel KWSP Bagi Bayaran Pengkreditan Terus Ke Akaun Ahli)

#5. Pengeluaran Hilang Upaya

Pengeluaran ini membolehkan ahli mengeluarkan semua simpanan kwsp sekiranya ahli tidak berupaya dari segi fizikal atau mental atau kehilangan keupayaan fungsional kekal untuk memperolehi pekerjaan (employability)

Cara-caranya:

1. Bawa MyKad bagi Warganegara Malaysia dan isi Borang Permohonan KWSP 9L (AHL)
2. Bawa Laporan Perubatan Asal Dari Institusi Perubatan Pakar / Bukan Pakar (Hospital / Klinik Kerajaan atau Hospital / Klinik Swasta)
3. Surat Berhenti Kerja Daripada Majikan (jika ada) bagi ahli yang berhenti kerja dalam tempoh setahun dari tarikh permohonan
4. Pembayaran Secara Pengkreditan Terus Ke Akaun Bank Ahli (Senarai Nama Bank Panel KWSP Bagi Bayaran Pengkreditan Terus Ke Akaun Ahli)

#6. Pengeluaran Meninggalkan Negara

Pengeluaran ini boleh dipohon oleh :

• Warganegara malaysia yang telah melepaskan atau melucutkan taraf kewarganegaraan untuk berhijrah ke negara lain atau
• bukan warganegara malaysia yang telah berhenti kerja dan akan meninggalkan malaysia

Cara-caranya:

1. Bawa Passport, Permit Kerja, Bukti Penamatan Kerja
2. Isi Borang Permohonan KWSP 9K (AHL)
3. Pembayaran Secara Pengkreditan Terus Ke Akaun Bank Ahli (Senarai Nama Bank Panel KWSP Bagi Bayaran Pengkreditan Terus Ke Akaun Ahli)

#7. Pengeluaran Pendidikan

Pengeluaran ini membolehkan ahli mengeluarkan simpanan Akaun 2 untuk membiayai yuran pengajian ahli / anak ahli (termasuk anak tiri dan anak angkat) di institut pengajian tinggi (IPT) di dalam atau di luar negara.

Cara-caranya:

1. Bawa MyKad bagi Warganegara Malaysia dan isi Borang Permohonan KWSP 9H (AHL)
2. Bawa Laporan Perubatan Asal Dari Institusi Perubatan Pakar / Bukan Pakar (Hospital / Klinik Kerajaan atau Hospital / Klinik Swasta)
3. Bawa Surat Tawaran Belajar
4. Bawa Surat Pengesahan Pendaftaran Pelajar yang asal
5. Bawa Surat Kelulusan Pengiktirafan Kursus Pengajian
6. Bawa Salinan Keputusan Peperiksaan Terkini (pelajar IPTA dikecualikan)
7. Bawa Borang Temuduga
8. Bawa Bukti Kelayakan Mengikuti Pengajian
9. Bagi Pengeluaran Pendidikan Anak Ahli – Bawa Kad Pengenalan Anak Ahli & Dokumen Bukti Pertalian
10. Pembayaran Secara Pengkreditan Terus Ke Akaun Bank Ahli (Senarai Nama Bank Panel KWSP Bagi Bayaran Pengkreditan Terus Ke Akaun Ahli)

#8. Pengeluaran Pekerja Berpencen Dan Pengeluaran Pesara Pilihan
Cara-caranya:

1. Bawa MyKad bagi Warganegara Malaysia dan isi Borang Permohonan KWSP 9N (AHL)
2. Bawa Lampiran A – Notis Akuan Pelepasan Caruman Kerajaan Berhubung Dengan Pengeluaran Pekerja Berpencen
3. Bawa Bukti Pengesahan Taraf Pesara
4. Pembayaran Secara Pengkreditan Terus Ke Akaun Bank Ahli (Senarai Nama Bank Panel KWSP Bagi Bayaran Pengkreditan Terus Ke Akaun Ahli)

#9. Skim Pelaburan Ahli

Skim ini membolehkan ahli memindahkan sebahagian simpanan Akaun 1 untuk membuat pelaburan bagi menambah dan meningkatkan simpanan persaraan untuk menyara kehidupan semasa persaraan. Ahli boleh melaburkan simpanan tidak melebihi 30% daripada jumlah yang melebihi Simpanan Asas dalam Akaun 1 melalui Institusi Pengurusan Dana (IPD) yang dilantik.

Senarai Dana-dana Amanah Institusi Pengurusan Dana (IPD) Skim Pelaburan Ahli KWSP

Cara-caranya:

1. Bawa MyKad bagi Warganegara Malaysia dan isi Borang Permohonan KWSP 9N (AHL)

#10. Pengeluaran Membina / Membeli Rumah

Pengeluaran ini membolehkan ahli mengeluarkan simpanan Akaun 2 untuk membiayai pembelian sebuah rumah. Ini membolehkan ahli memiliki sekurang-kurangnya sebuah rumah sebagai tempat perlindungan apabila bersara.

Cara-caranya:

1. Bawa MyKad bagi Warganegara Malaysia dan isi Borang Permohonan KWSP 9C (AHL)
2. Bawa Surat Perjanjian Jual Beli (Tarikh perjanjian tidak melebihi 3 tahun dari tarikh permohonan)
3. Bawa Surat Kelulusan Pinjaman Perumahan (sekiranya kelulusan pinjaman kurang daripada setahun)
4. Bawa Surat Perjanjian Bina Rumah (Tarikh perjanjian tidak melebihi 3 tahun dari tarikh permohonan)
5. Bawa Suratan Hakmilik Tanah atas nama penjual / pemilik tanah
6. Pembayaran Secara Pengkreditan Terus Ke Akaun Bank Ahli (Senarai Nama Bank Panel KWSP Bagi Bayaran Pengkreditan Terus Ke Akaun Ahli)

#11. Pengeluaran Simpanan Melebihi RM 1 Juta

Pilihan kepada ahli yang mempunyai simpanan melebihi RM1.05 juta mengeluarkan lebihan simpanan berkenaan untuk diuruskan sendiri oleh ahli.

Cara-caranya:

1. Bawa MyKad bagi Warganegara Malaysia atau isi Borang Permohonan KWSP 9B (AHL)
2. Pembayaran Secara Pengkreditan Terus Ke Akaun Bank Ahli (Senarai Nama Bank Panel KWSP Bagi Bayaran Pengkreditan Terus Ke Akaun Ahli)

#12. Pengeluaran Ansuran Bulanan Pinjaman Perumahan

Pengeluaran simpanan Akaun 2 untuk membiayai ansuran bulanan pinjaman perumahan bagi tujuan pembelian atau pembinaan rumah.

Cara-caranya:

1. Bawa MyKad bagi Warganegara Malaysia dan isi Borang Permohonan KWSP 9P (AHL)
2. Bawa Penyata Baki Pinjaman Perumahan mengikut format yang ditetapkan oleh KWSP ATAU Penyata Baki Pinjaman Perumahan Dari Lembaga Pembiayaan Perumahan Sektor Awam (LPPSA) (Tarikh penyata baki tidak melebihi 3 bulan dari tarikh permohonan diterima)
3. Pembayaran Secara Pengkreditan Terus Ke Akaun Bank Ahli (Senarai Nama Bank Panel KWSP Bagi Bayaran Pengkreditan Terus Ke Akaun Ahli)

#13. Pengeluaran Kematian

Pengeluaran penuh akaun ahli oleh penama / wasi / pentadbir pusaka / waris terdekat ahli apabila berlaku kematian ke atas ahli KWSP.

Cara-caranya:

1. Bawa Sijil Kematian Ahli
2. Bawa Kad Pengenalan Diri Pemohon dan isi Borang Permohonan KWSP 9KM (AHL)
3. Pembayaran Secara Pengkreditan Terus Ke Akaun Bank Ahli (Senarai Nama Bank Panel KWSP Bagi Bayaran Pengkreditan Terus Ke Akaun Ahli)

#14. Pengeluaran Perumahan Fleksibel

Pengeluaran Perumahan Fleksibel adalah proses menghadang atau mengenepikan sebahagian simpanan dalam Akaun 2 ahli ke Akaun Pengeluaran Perumahan Fleksibel bagi membolehkan ahli mendapatkan pinjaman perumahan yang lebih tinggi untuk membeli / membina rumah.

Berdasarkan konsep ini, caruman bulanan kepada KWSP dianggap sebagai pendapatan. Dengan ini, ahli boleh mendapat jumlah pinjaman yang lebih tinggi kerana penilaian kredit (credit assessment) ke atas pendapatan bersih turut mengambilkira caruman KWSP (bahagian pekerja dan majikan).

Maklumat lanjut mengenai jenis pengeluaran ini di sini

#15. Pengeluaran Kesihatan

Pengeluaran ini membolehkan ahli mengeluarkan simpanan Akaun 2 untuk membiayai kos rawatan perubatan penyakit kritikal dan / atau pembelian peralatan bantuan kesihatan yang diluluskan oleh lembaga kwsp yang dihidapi oleh ahli atau ahli keluarga yang dibenarkan.

Cara-caranya:

1. Bawa MyKad bagi Warganegara Malaysia dan isi Borang Permohonan KWSP 9D (AHL)
2. Bawa Laporan Perubatan Asal Dari Institusi Perubatan
3. Bawa Surat Pengesahan Majikan Mengenai Tanggungan Kos Rawatan
4. Bawa Kad Pengenalan Diri pesakit
5. Bawa Bukti Pertalian di antara pemohon dan pesakit (sekiranya pemohon bukan pesakit)
6. Bawa Bil Rawatan Pesakit Luar / Discaj Wad (Final Bill’) DAN Resit Bayaran Asal dari Pusat Perubatan (sekiranya bayaran telah dibuat)
7. Pembayaran Secara Pengkreditan Terus Ke Akaun Bank Ahli (Senarai Nama Bank Panel KWSP Bagi Bayaran Pengkreditan Terus Ke Akaun Ahli)

#16. Pengeluaran Haji

Kerajaan melalui pembentangan Bajet 2013 pada 28 September 2012 telah memperkenalkan inisiatif Pengeluaran Haji kepada ahli KWSP untuk membuat pengeluaran simpanan dari Akaun 2 untuk menunaikan ibadah Haji.

Maklumat lanjut mengenai jenis pengeluaran ini di sini

Siakapkeli.my

Sumber: KWSP, Majalah Labur

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