Jul 12 2018
Purchasing A House Easier And Faster By Viva Network
House is an ever-increasing need of humanity since all humans need shelter to house their family and fulfill the needs of them such as resting, relaxing, and so forth. But the housing industry is threatened by the skyrocketing prices since more and more people are being born and fewer lands are available for the housing. This makes the house has a very high price and requires a huge amount of money to even pay the Down Payment. This is indeed very frustrating to all middle classman people since they don’t have that money to purchase the house, and in the end, they have no house and forced to live with their relatives for the rest of their lives. There is actually one practical solution to this circle, which is having a loan to purchase a house but to are possess the threat that could ruin someone financially and lead to a disaster in the market if the loan is not done properly.
We are all too familiar with the failure of the banking industry in the mortgage crisis of 2008. The problem is actually very simple since it just covers up the failure of the people to pay their debts to the bank at that time, leading to a very serious economic disaster that almost ruins America and Europe back in that time. Even though having a loan could become a huge help in having a house, the centralized system with a huge interest that imposed by the banks are making the people very difficult to pay their loans to the banks. This is indeed very counterproductive since the banks live on the loan, and the people simply can’t pay the loan since it has a huge interest with years to complete the payment period. This is the major issue why people are becoming more and harder to obtain their house.
In the world alone, the housing industry, along with the property industry has made trillions of dollar per year, and that will keep going on since the value of a house will steadily increase and more and more people are less able to purchase a house. Housing is usually divided by its type, and the bigger the type, and more expensive than the house will be. But the problem here is, even we are about to purchase the smallest type of a house, the amount of money that is required to purchase a house is still astronomical and making it more inconceivable by all the people that want to have a house. Even though the government are already providing the solution such providing the house with the zero payment system, reducing the value of a house, but that is not tacking down the most basic issue that is now happening In the world, which is the inability of a person to purchase a house due to its astronomical price. This circle needs to be broken down as soon as possible since more and more people are greatly in need of a house.
For further information you can visit one of the links below:
https://www.facebook.com/VivaNetworkOfficial/
The risks of the platforms and platform mechanism
When we are talking about the housing industries, how little it is, it will contain the risk that needs to be recognized and addressed. The housing industries are a huge market with trillion of dollars that circulated per year. That sum of money is the backbone of the housing industries and thus it posse a high level of risk. Here are several issues that the user needs to be aware of before buying the token or joining in the platform.
There are a lot of reasons why this kind of mechanism will be favored by the people, and thus making this platform healthier and more reliable, which is:
- Fast and reliable
First is, all the procedures mostly conducted online, and it means that you don’t have to follow a series of very long and complex procedures that are usually imposed by the banks or the third party which is very inconvenient and tiring. The documentation that is required for the platform is online which mean the applicant will just need to upload their document in an instant without even be needing to go to certain places.
- Protected by cutting edge blockchain environment
And as for the security issue, the team has been equipped with the most talented and experienced group of assessor that is capable of determining someone’s ability in real time. They are able to determine and foresee the risk that exists in the certain people, and as well as distinguishing the real documents and the fake one. This is crucial since a lot of banking institutions are failing due to the fact that they are giving the money to the wrong person who is not able to pay for the money they owed to the banks. The team will also provide the advice for the applicant on how to pay and manage their money to reduce the risk of the applicant not being able to pay for their debt.
- crowd funding
The third is the funding mechanism. The funding mechanism that is imposed by the platform here is crowdfunding, meaning that there will be a lot of people are investing in this platform by purchasing the token of the platform and thus the money will be used to fund for the applicants and the mortgage. The applicant then will need to pay for a certain amount of money, and then the money will enter the crowdfunding market and becomes more money to fund even more applicant and so forth. This mechanism means that the platform will lose nothing and benefit nothing unlike the banking mortgage system and so on. The platform Is also not giving the extreme amount of interest since the money is sourced on crowdfunding, not the typical money that is provided by the banks.
The crowd funding will be translated by the platform namely the fractionalized mortgage shares or FMS. This FMS will become the amount of money that is needed in order for someone to purchase a house. usually, there will be 100.000 FMS per house, and then the crowd fills fund those FMS per month. There are a lot of reasons why FMS is very prospective for all the people. First of all, it is investment mechanism, meaning that people will receive a certain amount of money as they invest in the FMS. but FMS itself is not the token of the platform since it just the integrated investment mechanism that will be enjoyed by the people who are willing to pay for the FMS and thus crowdfunding the platform. One FMS at a time will be equivalent to 10 dollars per month, so logically, the more FMS that one person has, the more investment they will receive per month. But you should notice that the amount of the investment is not fixated.
There are indeed several risks at play when it comes to the investment, such as:
- Inflation risk
The first is the inflation risk, as it plaguing all kind of investment in the world. The more in the inflation is, the lower the value of your investment, and vice versa. But naturally, if the inflation rises, then it is not just your investment is at risk, but a whole country economic too. Meaning that the government will try to hold and reduce the amount of inflation in that country to stabilize and strengthen the country economy. The second risk will be the market risk, where it is directly linked to the housing market. To put it simply, the more house sold in the housing market, the more money you can get per FMS since FMS is generated by the house that is sold to the applicants. Similarly that if the less house is sold, then the less amount of investment money can be made.
- Interest risk
Interest is also the risk that really needed to be accounted for. Simply, as the interest climbed up due to the global economy, the investment rate is dropping since the interest will take up several amounts of money. but up to this day, there is no sign of the interest rate being high drama in the short few days due to the market optimism. The interest rate is also steadily declining since more and more business field are opening up and the market is going at a high speed to recover and regenerate money.
For any further related information, you can visit one of the links below
https://t.me/wearethevivanetwork
http://www.vivanetwork.org/pdf/whitepaper.pdf
The sale and token generation event
Just like any other blockchain platform, this platform also has the token that could be used in various ways. The token is called the viva token, or the token for future statements. The token as we already stated before could be used for many things, but primarily is to use the facility of the platform such proposing the loan, paying the loan and so forth. the token is the ultimate form of payment where no other methods of payment are received by the platform. To get the token, the people are required to join the series of sales that is being conducted by the platform. Mainly the platform is holding two kinds of sale, which are the first stage which consisted of around 3 rounds, and the main sales which also have 3 rounds. Here is the more detailed information concerning the rounds of sales.
- The pre-sale or the first stage of the sale
The first stage of sale is the pre-sale, or as any other blockchain refers to. This is where you can get all sorts of bonuses that is very profitable for you. There are three rounds of the pre-sales, as the more rounds, the lesser bonus you can obtain. The first round has 40% purchase bonus, and the last round has around 30% bonus per transaction. The interval between the rounds is about 10 days, so you need to make sure what kind of rounds that you are following. As we speak, the first stage of sale is about to come to an end, since the first stage of the sale will end at 1st of July.
- The main sale
The main sale or the main contribution period is the where the majority of the token will be distributed. There are 4 billion of the token that is available for this platform, where 75% of them or about 3 billion of them are the hard caps of the main sale. The period of the sale is about 60 days and Main Sale Starts July 20th. The main sales also have the 3 rounds with their own bonus, ranging from 25% to regular sales with no bonus. As for the price, the price of the token depends on what kind of sales and how many bonuses you receive from the platform. The price is ranging from 50 thousand tokens per ETH to around 35 thousand tokens per ETH. And as the currency value, the token is worth roughly around 0.009 dollars per token.
- The token distribution
It is important to know the token distribution since the this is to show the integrity of the platform itself. Here is the token distribution as having been stated by the website.
- 75% TGE or sale (3 billion)
- 10% reserve (400 million)
- 7.5% team allocation (300 million)
- 3.75% advisor (150 million)
- 3.75% marketing operations (150 million)
- The whole quantity of the token: 4 billion
- Token usage
The token usage is primarily for the main transaction of whatever the transaction that occurred within the system, be it the payment of the loan, the proposals, and so forth. and as for the exchange, unfortunately, there is no information concerning the exchange that could be done using the VIVA token, but the website does promise there will be several practical usages of the token in the near future.
For any further information concerning the sales you can visit one of the pages below:
https://bitcointalk.org/index.php?topic=3430485.0
Jul 12 2018
Say No More To Injustice Towards Photographer
The world of photography is often neglected and abandoned from the spot of the media. Many assume that the photography is just about the passion and hobby and therefore they are doing as they please. But that is far from the truth since many of the photographers are defending their lives and incomes to the world of photography and their business. Today, the primary source of the creator of the photographer is the third party seller platform which is the Getty images or the Shutterstock. We do familiar with the two companies, but little of them know the bitter truth is concerning the two companies, which we are going to explain below.
The companies employ a stringent and demanding policy that is hampering the progress of the photographer and thus stripping off the profit and the right of the photographer. Here we will sum up several concerns that now exist within the current ecosystem.
Not every centralized thing are wrong, in fact, we do need a centralized standard such as currency and system so that it gives us certainty and several degrees of rigidity. What we do mean about centralized in this scenario is the photographer, in which here is the content creator is often left behind in the term of the profit generation process, making it a one-way process in which the company control the whole profit generation process and leaving the creator suffering.
One of the central issues of the photographer here is the right. The right in this scenario is the right or the licensed photos. In this case, the creator is just don’t have any reason once they already submit their pictures inside the system of the platform. Even if the creator is selling the photos outside the system, they need to report back the profit to the platform otherwise they will be getting the legal ramification which is annoying.
These points actually correlate with the first point. This is actually the sad, grim truth about the world of photography where the creator is just gaining a trickle of the profit generated by the system, whereas the company receives more than 85% of the benefit. The professional photography is not merely randomly flashing your camera around and making a profit. It is actually a cumbersome task when sometimes the photographer needs to be in several difficult spots and often shoot thousands of pictures just to get one specific picture that suits the desired output.
What we mean here is the lack of the transparency in the big companies. We do realize that not all the thing are needed to be published to the public, but some points do require openness. But that is just what de big companies lack, where they are reluctant and even not willing to share their data concerning the licensing process, the profit generation and so forth. This is what upset the professional photographer, and thus such a cycle needs to be disrupted.
For more information, you can visit one of the links below:
https://www.wemark.com/
Disrupting The Current Ecosystem With Wemark
But luckily, as the technology progress, the world is becoming more and more decentralized, where there is merely a lot of disruption and groundbreaking invention that is very fundamental to the realm of business. The rise of startup businesses, especially the one who relies on the blockchain system are becoming predatory to the old ecosystem where they are destroying or at least giving alternatives to the old ecosystem that if proved to be injustice and inefficient. There are a lot of businesses that are currently reforming and thus providing a new business opportunity to make things even better. And such luck is also bestowed to the realm of photography, where a new startup is on the rise, called the remark platform.
Wemark is actually one of the most promising startups that will disrupt the whole old ecosystem that is hampering the creativity of the creator itself. As we can see, the creator is having a difficult time gaining profit, and this platform is actually the best platform to increase the benefit of the amateur and professional photographer alike. Here are several reasons why the wemark is worth trying.
The first and the most obvious reasons are the profit. We already know that the big companies are giving only a trickle of the strength whereas they are generating more and more profit daily. That is actually very troublesome and need to be changed since it will heavily discourage the content creator. In the wemark platform, the situation is just reversed, where the companies are gaining a trickle of profit per photos and the rest of the money goes to the creator.
This is what more interesting on the platform, where the decision making is entirely back to the user. The creator can sell their pictures for the prices that have been set by themselves, and thus is more rewarding for the creator. We do want to ensure that the creator is keeping their creativity and accordingly being rewarded for such effort. And to do that we need to give the creator more right and more role to determine in this form of business. To put it just, on this platform, the part of the creator is significantly higher compared to the previous old ecosystem that is diminishing the part of the creator.
One of the most critical factors In the business is giving the proportionate flow of information to the user or the customer. This is what makes them more appreciated and thus will convert them to a loyal customer In the meantime. Having a loyal customer is apparently one of the primary focus f the company, and one of the most critical points is having some degree of transparency. We do understand that not all kind of information is required to be published, but at least only the one which is critical such as the licensing and the profit generation process. Such information is essential to be released so that the customer or the creator understand for how much they need to pay, how much they need to spend money, and how much they will gain profit per photos.
In the artistry world such photography, one of the most crucial point is the license of the pictures. The grant will determine the ownership of the photos and thus make it protected by the law and gaining the creator the rights of their own creation which is obvious. But unfortunately, such cases did not occur in the big companies since they retain most of the license for themselves. The platform will give the license to all the photographers regardless of their skills and their photos quality and thus make the creator more liberty and right about what to do with their own images. They also don’t need to report back to the platform once they are making the profit to the images that have been licensed by the platform.
Becoming the part of the wemark platform is effortless. First, you need to make your own portofolio on their website. This is important since the platform need to know about your capacity and your skills also experiences concerning the photography. After creating the portfolio you can start to upload the photos of your own and to get the license, you need to pay several amounts of cash at one time. The payment here are using the token of cryptocurrency, and therefore it Is not very expensive in the end. And you don’t have to worry since the licensing is a one-time process and therefore you don’t have to pay several times for your licensing process.
For further information concerning the system of the platform, you can access the link below.
https://www.wemark.com/whitepaper.pdf
The Road Map And The TGE Of Wemark
Every platform will have their own roadmap to determine their own degree of success. And this platform does have the roadmap. Here are several points of the roadmap of the platform.
2017 is the important year for the platform, where they are signing the contract of the NFX companies that specializes in the market research. The NFX are investing their money in the platform for about 1million dollars. The platform is also opening the waiting list for the contributors or the photographer that are about to sell their own photograph on the platform. And as the website claim, more than 1500 professional photographer are signing the contract just in the few weeks.
At this point, the platform is releasing the very first product, which it enables the user to create a profile and submit their own photos in the platform. There are about 20 thousand offered pictures just a month after the release of such content. This event is followed by gaining the advisors, which is several of notable individuals in the term of business, such lee torrents, as a lead marketing in canvas, Lars Perkins, founder of Picasa which has been purchased by Google and becomes the google photos and etc. the following month is the release of the whitepaper of the platform to become the guideline both for the platform and the user alike.
This is yet another critical period of time for the company. The company will sell their token called the wemark token to the public for the first time. Such token will be used primarily for the transaction that is occurred within the system, and hopefully, that includes the purchase of the pictures as well. And in late 2018, the platform will be transformed into a full working marketplace where many can purchase the photos that have been provided by the photographer for some period of time.
And as for sale, here are some necessary information that you need to know
• The token supplies are about 135 million dollars
• Soft cap around 1.5 million
• Hard cap 8 million
• Price per token 0.20 US dollar per token
• Sale starts July 24th and ends at Aug 7th
• Token usage: licensing, accessing several wemark features
As we can see above, the token supply is meager compared to the other platform where they can reach billions. And the hard cap is also shallow, which is just about 8 million. Which mean that they only will sell that amount of the token, as the rest of the token is used for another purpose. And that is what makes the price per token is rather higher compared to the other token amount, and this will make the sale even more interesting since the token is worth investing for.
And the second most intriguing thing is, the allocation of the token supplies, here is the information concerning the token allocation.
• 38% token sale
• 37.5% reserved for community rewards and economic scaling
• 12% advisors&partnership
• 11% founding team and employees
• 1.5% bounty program
As we can see, the token allocation is rather unusual since the token and the community rewards are almost identical. No other platform is employing such allocation in the vicinity since they implement a huge proportion of the token supply to the sale alone. The board of advisors, the founding team and employees, are also gaining more token allocation.
What we can learn from this basic information here is, the company is dropping more token to the community to reward them for their contribution in building the companies, along with the founder team and the system. That is working along with the dream of the platform to give more reward and profit for the content creator and thus destroying the old ecosystem in which the creator is suffering since they just don’t get enough profit to continue on their project.
For further information, you can access the links below:
https://tge.wemark.com/
https://bitcointalk.org/index.php?topic=3347524
By admin • Blockchain Technology 495 • Tags: benefit, Blockchain, business, creativity, ICO, information, market, money, period of time, photographer, photography, Social Media, TGE, token sale, wemark