Jul 21 2018
Solving Mortgaging Issue With VIVA
Housing or property industry is one of the leading sectors of the business in the world. It contributes around 31 trillion dollars per year and thus affecting the world’s economy and its components. The most vital housing industry elements are the capacity of the industry to sell the house to every component of the society. This is one of the biggest ironies since the main focus of the success rate is to increase the sale, whereas the capacity of the people to purchase the house is steadily declining due to the increase of the price of the market. Nowadays, even the smallest and cheapest houses are still expensive and still out of the reach of every middle-class man. The people are having several problems as follow.
- Mortgage procedure issue
The main critical issue of the buyer is the mortgage procedures that is very complicated and hindering more house to be sold and leave billion people homeless. The mortgage is the process of gaining the house via loans, and this is the only viable solution if you are the middle-class man and facing the Down Payment worth thousand dollars. You just cannot pay it directly in a single payment, and thus mortgaging is the only way that could effectively solve your financial issue in order to obtain the house that you want.
- Down Payment issue
The Down Payment or the DP is the second most important thing, and that can be said as the DP are the sole factors that hindering every potential buyer to purchase a new house. the DP usually comes with 30 or 20% prices of the whole house prices. That is actually still very expensive and simply out of reach by the single payment method. The most effective way to solve this issue is to have the loan. And this is where things get more and more complicated, which leads us to the next issue of the housing industries.
- Loan issue
Having or taking a loan is actually the ever practical solution for the middle-class man to obtain the house. the loan is usually provided by the banking institution or the third party such as the loan provider, person to person loan and so forth. But there is one impending problem concerning the loan, which is the extremely centralized nature of global banking. The global banking is a series of a very complex and deep monetary system which will have disrupt everything in the chain if one sector is damaged. The gravity of such a disruption could be very catastrophic and leads to the failing of global economics. Such occurrence has occurred in 2008 where the mortgage and housing industries are failing and thus destroying the global economic recess that is very destructive in nature.
Based on several issues that have been mentioned above, then we need a very fast and precise solution where we can have a house with a very simple mortgage process, low DP and also decentralized.
For any further information concerning the housing industries background, you can visit one if the link below:
https://www.facebook.com/VivaNetworkOfficial/
Introducing The Viva Network: A Simple Solution
The rise of the digital age is bringing more and more fundamental changes in every aspect. The way we are doing business, communicate, and information sharing has been simplified to the point of the instantaneous form of communication across the globe via the internet. But it is not just the communication methods that have been revolutionized by the internet, but also the business forms has been impacted and now undergoing very fast fundamental changes within. One of the most influential impacts is the trend of decentralizing the business forms, and digitalization of the business sectors that happen all across the globe. The birth of the startup or the internet based business is on the rise, and thus VIVA emerges.
VIVA, to put it simply is a power to be reckoned with, in the term of the housing industries. It visions, just like any other contemporary business is to disrupt the existing business forms so that this new form of the business could become the new mainstream and thus replacing the obsolete kind of business that is now exist. The VIVA is the solution for those who are in need of the house but yet hindered by the complexity of its process and procedures. There are several reasons why we need to employ the VIVA services to obtain the house that we love.
- Decentralized system
As we have stated above, a centralized monetary system will be prone to every kind of damage such the financial instability, global economic collapse, and so forth. Therefore the platform is implementing the decentralized business system where this system is not connected fundamentally to the global business schematic making this business is stronger and more independent towards the global market system.
- Reducing the cost and time to undergo the mortgage and loan procedures
Obtaining loan and mortgage is very difficult these days, due to the nature of skepticism of the housing market. This is worsened by the complexity of the procedures that need to be undergone by the applicants, making the process is tedious and time-consuming. So far, there is no kind of any practical alternatives to having a huge amount of loan except in the bank or any intermediaries. VIVA is based on crowdfunding, which the crowd will happily provide the funds since the money that they send to a platform is comes in the form of investment that will benefit them.
- Providing the expert housing consultant
Why is it even matter? Why do we even need the housing consultant? here is the problem. For the beginner, the house is a very complicated matter to purchase since there is the myriad consideration that needs to be processed. This could lead to a wrong investment, in the form of purchasing a house that is out of your financial league, or any other issue. The expert team that exists in the team will help you to enlighten the financial situation that you are in, and thus helping you to pick a house that is affordable an viable for your financial capacity.
- Investing money
Investment is crucial these days since investment is the prospective long-term savings that could save your future. The crowdfunding in this platform system also comes in the term of the investment. This means that the crowdfunding is not just benefiting the applicants that are proposing the loan but also benefitting the crowd as well. This is actually a win-win solution where you can happily provide the fund that is needed for the applicant, and thus you are gaining the investment rate that will follow the market share. And as the member of the platform, you can also have the right to propose the application for the loan if you need it.
Learn More About Viva:
How the Platform Works
The platform’s website is giving you the comprehensive detail concerning the procedures that you are needed to complete before gaining the approval of the loan. Here is the quick glimpse of the procedures in the VIVA platform.
- Fulfill the documents requirement
The first basic requirement of the procedures of the platform is the documents. The basic documents that are needed for the process are the debt information and the income statement that is owned. You also will need the ID certificate and any other kind of document that is supporting the main document. Be advised that the document that only will be accepted as the valid and solid document is the real document that already passed the verification.
- The first approval
The first approval is the process after approving the document that has been sent by the applicants of the platform. This is not the whole approval, meaning that at this point, you can still fail to get the approval since there is the second approval or the final approval to conclude whether or not the applicants are able to gain the approval. The first approval is the sign that your document has been verified to be true and worth to continue on the process.
- Expert and house seller interviews
After you have already passed the first approval, there is the interview session in which you will be interviewed by the expert team of the platform concerning your financial capacity and the ability for you to pay the loan. After the interview with the expert, then you will be interviewed by the house seller. This session is aimed to share the information concerning the house minor and major problems, and also the miscellaneous treatment that needed to be done to the house such the reparation, improvement and etc. this is crucial since you need to know all kind of the information concerning the house.
- Second approval
After the interview session, the team and the platform will conclude the second approval, in which the applicant whether he passed the process or not. If the applicants have already passed the session, then they are positively gained the loan that is needed for them to purchase the house. After this session, the crowdfunding will then started and thus the applicant will start receiving money they need to pay the DP or the loan.
The crowdfunding will use the FMS or fractionalized mortgage share. The FMS is the way that the loan will be fractionalized and paid by the crowd. The FMS is actually the investment share that comes in the form of the fund that is distributed in the platform. The FMS is the quota that is needed to be fulfilled in order for the entire applicant to pay the loan of the house. The accumulated money will then be transferred to all the applicants and the crowd in the term of the investment rate so that the crowd will have the benefit of investing their money in the platform.
Learn More How Viva Works:
For any further information you can access the links below:
http://www.vivanetwork.org/pdf/whitepaper.pdf
The Sales of Token
As just any kind of the blockchain system that has the token, the VIVA network also has the token called the VIVA token or called the token to be simple. The token is mostly used by the member of the platform to conduct any kind of transaction that is occurred within the system. There are several transactions such as the application process and so forth to that is using the token and no other currencies. But unfortunately there are no existing vendors or the merchant that is receiving the token for now, but the platform does promises to inform the member of the platform if there is an advancement or the changes in the future.
And as for the sales, the token is primarily gained by two kinds of sales, they are the first stage that consist of three rounds, and the main sale that is also consist of three rounds as well. There is also the private and individual contribution that is also allowed and accepted in the system, but they are excluded in the TGE or the token generation event and thus not explained here. Here is the further explanation regarding the sale.
- First stage
The first stage is the best way of acquiring the big bonus, as the bonus is ranging from the 40% worth per token to the 30% bonus per token. The nominal of the token is around 50 thousand per ethereum and that nominal is decreasing as the bonus is declining per 10 days. Unfortunately, the early sale is about to elapse, which will be in the 1st July 2018.
- The main stage
The main stage is where the most token is being generated. There are estimated around 3 billion tokens is being distributed via main sale event. The main sale is also comprised of 3 rounds by the bonus started from the 25% to 0% bonus every 20 days. the main sale will be conducted for about 60 days.
For any further information related to the TGE, you can visit one of the links below:
https://t.me/wearethevivanetwork
https://bitcointalk.org/index.php?topic=3430485.0
Jul 23 2018
Removing Malicious And Harmful Wares On The Internet With The Powerful Online Platform
The Internet has provided a lot of opportunity for many people, and it also gives us a nearly unlimited amount of informant and access to the place we can’t be before the internet. There are countless of the services that have been provided by the internet, from the simple email features to the complexity of digital currency. The internet is also evolving and creating more and more room for expansion, and finally, we reach this point where almost everything is on the internet, be it the free information, techniques, places to access, people’s biography in the social media, newspaper, videos and so forth. Internet now has been integrated into the life of humanity where the lives of people now are interconnected with each other, as they need one after another. Simply put, the internet has shaped the civilization, and will always be in the future.
But not all the right things that exist on the internet today, as they are several harmful things that can destroy your experience while surfing on the internet. The major problem that people encounters nowadays is the privacy breach that is done with the large internet-based companies that sells the individual data that is pretty much for everything, be it for the political purposes, for the market research and so forth. We do understand the importance of the market research nowadays, but stealing people’s bio and private life on the internet is not a good thing, and hence is a severe crime. By the internet, the emergence of the new class of evil is also starting to climb up, such as a hacker, cracker, scammer, and online deception that can harm people up to million dollars. Many countries have dispatched their cyber security, but still, the criminal can outmaneuver the law and the enforcer.
To sum up everything, there are notable and numerous amount of harmful things that can be found On the internet and thus threatening your safety and security, they are:
The privacy breach is one of the most common practices by the big companies that operate on the internet nowadays. Many government and private companies love the personal data of their citizen and customer and thus buying it from the big companies. The data is used to manipulate the society into thinking and behaving as the government wants; the companies are also using it for the market purposes. For whatever purposes that are owned by both parties, it is not right to steal the privacy of the people. We need to act fast and put an end to this irresponsible act since it is very annoying and harmful for the rest of the people.
The scam activity is has been there for a long time, but since the emergence of the internet is kicking in, the scam activity has been centered via online. This is because the user will be less aware of the scam when they are online, and they all also tend to fall for the traps that have been set by the scammer. The scammer usually puts fraud ads such as the free bitcoin token, the porn videos, the free games or the free crack of the games, and so forth. Those acts are alarming and yet threatening to do some severe damage to the victim, as it can cost them a thousand even million dollars.
There are also a very annoying thing on the internet such as the viruses and malware, and lately, the bitcoin mining ware and adware. This software is malicious and harmful indeed for your computer and ultimately can break it. Take malware for example, as it is the easiest to found and the most devastating for any device. Malware can be detected almost anywhere On the internet, but especially any suspicious places such as the free crack games, porn websites, gambling websites and so forth. You can also accidentally install the malware without your consent, and that is a terrible thing to do actually. Once your device got hit by the malware, it starts to work extremely slow then it usually is, and anything starts appearing in your pc such as the fraud ads, the malicious software, and so forth. Malware is by far the most dangerous enemy of the internet.
The Internet is a vast space encompassing the whole world and ignoring the country borders and checkpoint. That is mean by the protection of the internet is very low, and this is very easy to be breached. Even though many nations have dispatched the most advanced forms of cyber security for their government sites to protect the sensitive data, the hacker and cracker all around the world will still be able to hack it and potentially destroy or even distributes the sensitive data that can be found there. We have seen so many examples here and there concerning the data thievery and infamous hacker who have successfully hacked the system of a significant asset of the country. We will never know how much of the damage can be dealt again with the hacker, and up to that point, we are still overshadowed by the sense of danger while browsing the internet.
But even though the danger may overwhelm the benefit of using the internet, we cannot neglect the importance of the internet either. Thanks to the internet, we have seen so much the important thing that can improve our daily lives. The internet is also has given us the free education and information that is very valuable that once can be very expensive. What do we need know is not limiting and restricting the internet usage and access, but we need the platform to protect the people from the dangers that are lurking within the internet.
For further information, you can refer to the website below.
https://online.io/
https://bitcointalk.org/index.php?topic=3452258
The Platform That Can Protect Us: Online.Io
As we have progressed in the field of science and technology, there are a lot of new things that are recently discovered by the people, and one of them is the blockchain. The blockchain system is a series of the independent network that serves a singular purpose, makes it safe and decentralized. The blockchain system has been extensively used by so many platforms nowadays, where it is pioneered by the bitcoin platform that hit the stages several years ago by storms. Since then, so many platforms have emerged and disrupted the current business and issue by providing an alternative to the mainstream approach. This form of marketing is thriving nowadays since it has already successfully disrupted so many big companies that are very injustices in treating their customer. And as for the dangers of the internet, there is one platform that emerges and tries to disrupt the current situation, which is called online.io
Online.io is another blockchain system that attempts to put an end to the misery of the internet user by destroying the track apps and the malicious wares that have plagued the internet for a very long time. The platform is also decentralized, means it is safe and secured, and will always be since it is also protected by the cutting edge smart contract and proof of online mechanism. And not only you will be protected by the annoying ads and wares that seeks to harm you, but you can also be rewarded by using the platform in the form of the online token, but that is also another cryptocurrency that they issued. The platform is already launched and now doing some excellent services to their user by blocking and removing the unwanted programs such as :
We understand that ads are critical for the business owner to sell the product, the internet user will not be complaining much if the ads are correctly shown. But unfortunately, the ads are very aggressive nowadays by showing the pop ads that is very disturbing and annoying, and also takes a load of data upon entering the ads. This is because the ads are on a very different web page. Therefore, they will charge double for the data. This is indeed devastating, especially for those in the countries where the internet cost is very expensive, and therefore they want to conserve the data internet as much as they can. The ads also will potentially destroy the experience for the internet users, and thus as much as we want to remove, the ads are among the first thing.
As we have stated before, the malicious wares such as the malware, viruses, mining script and so forth that can harm your device and ruin your internet experience. The viruses and malware can eventually damage your desktop, and therefore you need some layer of protection that can protect you while browsing the internet. The platform will act as the browser plugin and the defend and warn you upon entering the suspicious web pages, and therefore you can outmaneuver those bad sites that potentially harm your device. This platform can also protect your mobile devices, as they come with the mobile version app either.
This is related to the privacy breach that we have talked before. The apps tracks is an app that is hidden and installed on the websites that can be used to track the online history for one particular person. This data is instrumental for the government to know what their citizen up to, and the big private companies are also requiring this kind of data to do some market research and therefore they can adjust their product corresponding their finding in the hidden surveillance that has been conducted and obtained on the internet. Once this app is installed, you can immediately dismantle the script for tracking, and therefore you can be free of the surveillance if the big companies.
Once the ads and the malware has been successfully removed, you can then browse faster and thus making your online experience better. You can also get the data faster, and have the better protection compared when you are not protected at all. That is a good thing for the internet user, as they are also cost fewer data. This means that the data will be used less and thus cheaper and more accessible for the people to access the internet. And once again, the platform will be available for both of the devices, be it the laptop or the mobile devices.
For further information concerning the platform purpose, you can refer to the web pages below.
https://online.io/
https://online.io/download/OIO-Whitepaper.pdf
https://www.facebook.com/Online.io/
The Token Generation Event And ICO
The platform, as it is the blockchain platform also issue the token to conduct the transaction and also reward the user so that the user will be benefitted upon entering the services of the online.io. The token sale or the ICO is unique in the online platform since it only contains one sale, which is the public. The public sale also yields the bonuses and ranging from 25% and declining by 5% for every five days, and will eventually end the sale on July 10th.
As we can see, the sale is already over, and the platform has already raised about 45 million USD, and almost 1.5 billion tokens are sold, with the contributor reaching 3 thousand people just in one month. And as the current price of the token is around 0.04 dollars per token. Based on those facts above, we can see that the token sale has achieved massive success and therefore the platform is now readying itself to launch somewhere in mid-august. And as for the unsold toke, they will be destroyed to limit the number of inflation occurred to the token.
The token sale is already over, and people are starting to vest the token for the future investment and thus gaining more profit for the token. Numerous amount of money currencies can exchange the token, be it the cryptocurrency or the fiat currency such as the dollars or euro. It is also very rewarding to join the pre-sale since the yield the most bonus in the ICO and you can then gain the better price for each token.
For further information on the token sale, you can refer to the web pages here.
https://online.io/
https://t.me/OnlineIO
Posted by kurniawan05
https://bitcointalk.org/index.php?action=profile;u=1187741
By admin • Blockchain Technology • Tags: Blockchain, Crypto, cryptocurrency, ethereum, fraud, good, hacker, ICO, information, malware, online, Online Scam, research, software, token sale, virus, viruses