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Bitcoin Price Prediction 2025: The Good, The Bad, and The Ugly

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Crypto

Claire James

-

17 December 2024

Bitcoin Price Prediction 2025: The Good, The Bad, and The Ugly

Anyone who is interested in cryptocurrency wants to know one thing: Will the price of Bitcoin rise in the future? And what is a Bitcoin price prediction that crypto enthusiasts can rely on?

The problem with any prediction, be that about the economy, the stock market, or about Bitcoin, is that no one has a crystal ball that can see into the future. So there are educated guesses, and wild guesses, but they are all guesses.

However some experts who are in the cryptocurrency space often make predictions, some of which are right. There are also others that make educated predictions based on technical analysis of price charts, and they sometimes get that right too.

AIs have even predicted the Bitcoin price, and these predictions can be interesting to read as well.

All we can do is listen to what experts in the field say, and try to make our own decisions based on whether we feel they make a good case for the price of Bitcoin in the future or not.

Bitcoin price history

One thing that we do know for sure though, is that from the inception of Bitcoin in 2009 until today, the overall trajectory of the price of Bitcoin has been up.

When it was first released, Bitcoin was traded for less than a penny. At the time of writing (15 August 2024) the price of Bitcoin was around £42,550. However earlier in the year, on March 14, 2024, the price of Bitcoin was £59,100, the all-time-high price so far in the cryptocurrency’s lifespan.

While the price is down from its peak, overall, the trajectory of the price is still going gradually up on average. Bitcoin is a young asset compared to other assets, but it has got a 15-year history, so we can start to make some loose assumptions based on this.

It has been a volatile ride getting there, and there is probably more volatility to come. And, there’s no guarantee that the upwards trajectory will always be… up.

Future price predictions (2023-2030)

As we approach 2025, the question on everyone’s mind is: Where will Bitcoin’s price go? So let’s take a look at both bullish and bearish predictions from some talking heads in the know.

Cathie Wood, the CEO of Ark Invest, remains steadfast in her belief that Bitcoin’s price will eventually reach a staggering US$1.5 million, perhaps even surpassing that mark sooner than expected. Her optimism stems from her conviction in Bitcoin’s long-term potential and its underlying technology.

However Cathie Wood’s Ark Invest has made some bad decisions. For example, recently Ark Invest sold stock in video meeting software Zoom, at a significant loss.

Geoffrey Kendrick, the head of digital assets research at Standard Chartered, predicts Bitcoin could hit US$150,000 by the end of 2024, contingent on a Donald Trump victory in the upcoming U.S. election. If Trump wins, Kendrick further projects that Bitcoin could reach US$200,000 by the end of 2025.

However, at the time of writing, Trump was campaigning as heavily as Kamala Harrais, so nothing is certain in political circles.

Jack Dorsey, the chairman and CEO of Block, Inc., shares the bullish sentiment, stating that Bitcoin’s price will exceed US$1 million by the end of this decade.

Dorsey does however have a vested interest here, in that Block Inc has heavily invested in Bitcoin.

Analysts at Bernstein also anticipate a positive trajectory for Bitcoin, predicting a cycle high of US$150,000 by 2025, driven by factors such as the potential approval of spot Bitcoin ETFs.

Bernstein does not buy or sell Bitcoin themselves, they focus on providing well-researched information and analysis, no matter if the market is going up or down.

This is what makes their prediction stand out – they don’t gain anything directly if their price prediction comes true. This likely makes their prediction more grounded and realistic compared to others.

What does AI predict?

Some people have asked AIs to predict the future price of Bitcoin. In an interesting experiment, crypto exchange CoinJar surveyed several AIs and averaged their predictions to be US$143,750 for the price of Bitcoin by 2025.

But let’s just keep in mind that AIs can output wildly inaccurate things, like that Gandhi sent emails to his followers when organising resistance events.

Bitcoin price to fall?

Not everyone thinks that the only way is up. InvestingHaven, while maintaining a bullish outlook in the long term, has warned of a possible drop to US$45,000 in 2024 before a subsequent rally.

Peter Schiff, a well-known Bitcoin skeptic, consistently predicts a major Bitcoin crash, believing it to be a speculative bubble with no intrinsic value.

Many people predicting a higher price for Bitcoin have a vested interest in saying that, of course. And many people predicting a Bitcoin crash offer competing products, like gold. But there are some good signs that the price of Bitcoin may keep on its upwards trajectory.

Institutional adoption

Growing institutional adoption of Bitcoin, (like the buying of Bitcoin by major companies like MicroStrategy and Tesla) adds credibility to the market, potentially driving prices higher.

Also, spot Bitcoin ETFs are now on the market in the USA, a product of huge mainstream investment houses like BlackRock. These products allow traditional investors to gain exposure to Bitcoin’s price movements without directly owning the cryptocurrency.

The approval and listing of these ETFs on major stock exchanges signals that mainstream financial institutions are recognising Bitcoin as a legitimate asset class, opening doors for more institutional investment and potentially driving wider adoption.

However the caveat here is that any negative news or regulatory actions that involve institutional investors could lead to sell-offs and price declines.

Geopolitical factors

Bitcoin’s reputation as “digital gold” could strengthen during times of geopolitical uncertainty or economic turmoil, driving demand and increasing its price.

If a major recession hits (and let’s face it, it’s in the air), or there’s a banking crisis in a major economy, people might lose trust in traditional financial institutions. So they will look for alternative safe havens for their money.

Increased regulation or outright bans on Bitcoin in major economies could severely impact its price and adoption. For example China has outright banned Bitcoin, alongside some other countries who have done the same.

Technological advancements

Asher Tan is the CEO of crypto exchange CoinJar UK. He says Bitcoin’s tech has been vastly improved upon since it was first thrown out to the world. “For example, as Bitcoin was used by more people, the network became slower and more expensive to use. But now they have added the Lightning Network ‘around’ the core technology, which makes it faster and cheaper.”

While this could be a harbinger of a price rise, any major protection breaches or vulnerabilities in the Bitcoin network could erode investor confidence and lead to price drops.

Regulatory developments

The introduction of clear and favorable regulations for cryptocurrencies could provide much-needed clarity and boost investor confidence, leading to price increases.

The UK has been improving its regulatory landscape for cryptocurrencies, aiming for a balance between innovation and consumer protection.

For example, crypto businesses in the UK are now required to register with the Financial Conduct Authority (FCA) to comply with anti-money laundering and counter-terrorist financing regulations. UK residents are required (in accordance with local legislation) to complete an assessment and to wait 24-hours.

However, stricter regulations or outright bans in major markets could stifle Bitcoin’s growth and negatively impact its price.

Market trends

How people feel about the economic world around them very much affects the price of Bitcoin. Celebrities can even have a positive effect on the price of cryptocurrencies, depending on what they say about them.

Market trends are fickle and can snowball the sentiment both upwards and downwards. If market sentiment turns southward, then the price of cryptocurrencies like Bitcoin can go south as well. For those looking to invest, finding reliable platforms to buy bitcoins uk can be crucial during such volatile times.

Seasonal trends

Some analysts have observed seasonal patterns in Bitcoin’s price, with trends suggesting potential increases in certain months or quarters. For example, there is a “Santa effect” theory that the prices of cryptocurrencies go in certain directions at times like Christmas and Chinese New Year.

But then again, big events like natural disasters or elections can disrupt prices and send markets up or down as well.

Technical analysis (golden crossover, moving averages)

Technical analysis in crypto is the study of past price and volume data to predict future price movements. It uses charts and indicators to identify patterns and trends that can help traders make informed decisions about buying or selling cryptocurrencies.

The jury is still out, however, if this is a sure way to predict what prices will do. However there are some things to look for.

Moving Averages

In crypto, a moving average is like a smooth line on a price chart that tells you the average price of a cryptocurrency over a certain time. It’s called “moving” because it constantly updates as new price information comes in.

Looking at moving averages on a chart can help you spot areas where the price might stop going down (support) or stop going up (resistance). This can potentially prove a data point to assist traders in deciding when to buy or sell.

Golden Crossover

A golden crossover, where the 50-day moving average crosses above the 200-day moving average, is often seen as a bullish signal, potentially indicating an upward price trend.

Investment considerations

Before you invest, you’ll need to keep a few things in mind. Bitcoin’s price is highly volatile, and investors should be prepared for significant fluctuations.

Given its volatility, Bitcoin may be more suitable for long-term investors with a higher risk tolerance. And of course, don’t throw everything you have into Bitcoin. Keep your investments diversified.

Theory of Bitcoin price prediction: 2025

Bitcoin price predictions for 2025 can be an uncertain business. While the hope is that if you hold onto Bitcoin for long enough, your investment will bring investment returns to you, there is no guarantee of this. Merry investing!

Standard Risk Statement

The above article is not to be read as investment, legal or tax advice and it takes no account of particular personal or market circumstances; all readers should seek independent investment advice before investing in cryptocurrencies. The article is provided for general information and educational purposes only, no responsibility or liability is accepted for any errors of fact or omission expressed therein. Past performance is not a reliable indicator of future results.

UK residents are required (in accordance with local legislation) to complete an appropriateness assessment to show they understand the risks associated with what crypto/investment they are about to buy and enabling CoinJar to categorize them as an investor. New customers are also required under local regulations to wait 24-hours as a “cooling off” period (from account creation), before their account is active (i.e. to deposit, trade, withdraw etc.).

Cryptocurrency is currently not regulated in the UK. It’s vital to understand that once your money is in the crypto ecosystem, there are no rules to protect it, unlike with regular investments. You should not expect to be protected if something goes wrong. So, if you make any crypto-related investments, you’re unlikely to have recourse to the Financial Services Compensation Scheme (FSCS) or the  Financial Ombudsman Service (FOS) if something goes wrong.

Mobile App Development Guide for Businesses: How to Build Mobile Strategy

Claire James

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17 December 2024

0

Mobile App Development Guide for Businesses: How to Build Mobile Strategy

With over 3.5 billion smartphone users worldwide, we can claim that there is a demand for mobile apps. Still, many businesses struggle to make money on their mobile apps. They lack technical knowledge, and the budgets are limited.

This article was created with the expertise of a mobile application development service from Purrweb. Here, we explore the process of app development and take full advantage of mobile app development services.

How to Develop a Mobile Application

This looks like a job for reliable app development service vendors. It involves many steps, each with its own set of actions.

Step 1: Market Research

Mobile app development won’t start without proper market research. Your target audience and competitors can hint you at what features and design elements are in demand.

Market research activities	Description
Competitor analysis	Examining similar apps to understand their strengths, weaknesses, and user feedback.
User persona development	Defining target user profiles to better understand their needs and preferences.
Trend analysis	Identifying current industry trends that can make your app more appealing and relevant.
Survey and feedback collection	Gathering insights directly from potential users about what they expect from a similar app.
Feature prioritization	Determining which features are most valuable to your audience to focus resources effectively.

Step 2: Adherence to Apple’s Guidelines

Each application store has a set of guidelines. Some mobile app development service vendors take that part on themselves. However, if you optimize your app on your own, here’s what you need to know.

Apple’s Guideline Areas	Description
User privacy and data handling	Ensuring data security, transparency, and proper use of permissions in line with Apple’s policies.
App content guidelines	Making sure the app content complies with Apple’s regulations regarding acceptable content.
User interface and UX standards	Following Apple’s guidelines for user experience and interface design to maintain app usability.
Performance requirements	Ensuring the app loads quickly, performs efficiently, and does not crash frequently.
Payment processing compliance	Meeting Apple’s requirements for in-app purchases and subscriptions to avoid compliance issues.

Step 3: Design Process

Source: Unsplash

A well-designed app becomes popular quickly. That’s a good reason to invest in a design phase that covers functional aspects of your app.

Design Phase Activities	Description
Wireframing	Creating a basic layout of the app’s screens to outline the structure and flow.
Prototyping	Developing an interactive model of the app to visualize functionality and the user journey.
UI/UX design	Focusing on creating user-friendly interfaces.
Feedback and iteration	Gathering user feedback on the design to make necessary improvements before finalizing.
Brand consistency	Matching that the app’s design aligns with the brand’s style and identity.

Step 4: Development Process

Once the design is complete, mobile app developers begin coding. Mobile app development services involve building the app’s front end and back end.

Development Stage Activities	Description
Choosing a technology stack	Selecting the best technologies for the app, such as native development or cross-platform options.
API integration	Incorporating external services or databases into the app for added functionalities.
Database setup	Organizing data storage systems that align with app usage and scaling needs.
Core development	Writing code for both the front end and back end to bring the app’s features to life.
Optimization and code review	Ensuring the code is clean and optimized for performance.

Step 5: Testing and QA

Testing and QA guarantee the app performs well. This step involves identifying and resolving bugs and issues before the release.

Testing and QA Activities	Description
Functional testing	Checking each feature to ensure it works as expected.
Performance testing	Testing app speed, responsiveness, and stability under various conditions.
Usability testing	Ensuring the app is intuitive and easy to use for the target audience.
Security testing	Identifying and resolving potential security vulnerabilities.
Beta testing	Releasing the app to a select group of users for feedback before the official launch.

Step 6: Deployment Process

The final stage of mobile development services is deployment. This process involves submitting the app to app stores and preparing marketing strategies.

Deployment Steps	Description
App store submission	Following the required steps to submit the app to Google Play and/or the App Store.
Compliance verification	Ensuring all guidelines are met for a successful app store submission.
Marketing and promotion	Creating campaigns to raise awareness and drive app downloads.
Monitoring and updates	Tracking app performance and releasing updates for improvements.
User support setup	Establishing customer service and troubleshooting user issues.

How Much Does It Cost to Make an App?

The cost of application development depends on several factors. The main cost drivers include:

Cost Criteria	Description
App complexity levels	Simple apps cost less, while complex apps with numerous features and integrations are more expensive.
App categories	Specific categories (e.g., gaming, e-commerce) may incur additional costs for specialized features.
Design requirements	Custom designs or animations increase the cost relative to simple, templated designs.
Features and functionalities	The more features the app includes, the higher the development costs.
Team composition	Hiring a full team of specialists (developers, designers, QA) typically increases costs.

Conclusion

This guide can be helpful no matter if you collaborate with a mobile application development service or freelance. Here, we’ve described the essentials of mobile development that give you more control over the process.

MS Limited Review – A Platform to Transform your Trading Journey

Blog
Fintech

Claire James

-

17 December 2024

0

MS Limited Review – A Platform to Transform your Trading Journey

Your online trading journey in the financial markets has the potential to be both exciting and rewarding. But, this can only happen when you make the right decisions. Choosing the right platform to engage in trading activities is one ingredient that you need to achieve success.

Sure, there are lots of platforms out there that are ready to facilitate you, but not all of them can make a difference. MS Limited is one broker that has quickly gained a solid reputation amongst traders and will also draw your attention. You can use this MS Limited review to understand what this platform can do for you during your journey.

Alt text: MS Limited logo

Diverse Asset Selection

First and foremost, you will find that the MS Limited broker offers you a broad range of trading instruments on its platform. You can choose from forex, stocks, cryptocurrencies indices, commodities and even ETFs. A closer look shows that it has added some of the most profitable and lucrative instruments from each of these markets, which is a rarity.

Thanks to this variety, anyone signing up on the MS Limited trading platform will be able to build a diversified trading portfolio that is tailored to your financial goals and risk tolerance. Diversification is considered essential for a robust trading strategy because it helps to mitigate risks and can maximize potential returns.

It is easy to spread your risks across different markets on this platform and you only need to worry about managing one account rather than handling different accounts on different platforms. Not only is it easier to manage, but you can also minimize potential mistakes.

Tailored Account Options

The MS Limited broker understands that traders have varying experience levels due to which it has come up with customized account types. Sure, many other platforms also claim to offer multiple account choices, but when you look at the options, you will find them very rigid and basic. They usually offer three options, which are for beginner traders, intermediate and then experienced traders. But, not everyone fits this criteria.

The account options available on the MS Limited trading platform are a lot more diverse than other platforms. Whether you are a newcomer in the trading space, or a veteran, there is an account aimed at meeting your specific needs. It ensures that you have the support and tools that are necessary for a seamless trading experience. The trading conditions, including the minimum deposit requirement, vary for every account.

Alt text: MS Limited website

Optimal Trading Conditions

If there is one aspect of an online broker that you should evaluate carefully, it is their trading conditions. These have a direct impact on your profitability, so you should pay attention to them. The MS Limited broker offers you favorable conditions, which is quite impressive. It not only promises to do so, but actually does, which is quite rare these days.

You will find competitive spreads and leverage ratios offered on the MS Limited trading platform and these enable you to maximize your trading potential. Moreover, they also have a transparent pricing structure, which means you do not have to deal with any hidden costs eating into your profits. There are no charges for deposits and withdrawals on the platform and no maintenance fee to deal with.

Robust Tools for Smart Decisions

You have to make informed choices to achieve your financial goals and the MS Limited trading platform boasts advanced trading tools that can come in handy for this purpose. It is not possible for you to manually process the massive amount of data in the financial markets and keep up with every single movement. This is where these trading tools make a difference.

The MS Limited broker has ensured that you have access to top-notch and cutting-edge tools that can offer you valuable and actionable insights to make great decisions. You will find tools for performing market analysis and for managing risks. Likewise, you can also use tools to do calculations, track trends and patterns and schedule alerts. With their help, you can navigate the financial markets with greater efficiency.

Commitment to Security and Trust

Security is a huge priority at MS Limited because the broker understands the risks involved. They have implemented stringent measures for protecting not just your personal and sensitive data, but also your funds. This gives you peace of mind because you are not constantly worried about losing your information, or your money.

The MS Limited trading platform maintains segregated accounts for fund safety and uses encryption to keep data safe. 2FA is used to strengthen accounts and compliance with AML and KYC policies prevents illegal activities.

Is MS Limited scam or legit?

Before you commit to any broker, you have to do your due diligence to ensure its legitimacy. Not every platform is what it appears to be. But, MS Limited does not give you cause to worry because it is fully secure and transparent, with no questionable policies.

Closing Thoughts

In summary, this MS Limited review shows that this broker has the potential to truly transform your trading journey in the financial markets. Its offerings can go a long way in helping you achieve your goals.

Fiido’s Mini Electric Bike Redefines Urban Commuting Standards

Claire James

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17 December 2024

0

Fiido’s Mini Electric Bike Redefines Urban Commuting Standards

Daily city commuting often means wasting a lot of time in crowded traffic. Whether it’s squeezing onto a bus, getting stuck in traffic, or hunting for a parking spot, these everyday hassles can be frustrating. But what if there was a way to easily avoid these problems and zip through the city with ease?

Mini electric bikes, with their compact and lightweight design, are the perfect solution to this problem. Whether it’s swiftly weaving through busy streets or effortlessly parking in tight spaces, they make your commute more convenient and faster. Fiido stands out as a leader in this field. Let’s take a look at how Fiido’s mini electric bikes can meet your daily commuting needs.

Unique Advantages of Mini Electric Bikes

Mini electric bikes are quite simply not just a mode of transport, but they have several possibilities compared with most types of bicycles:

The compact and lightweight design of mini electric bikes makes them ideal for environments with limited space, such as apartments or offices. They are not only easy to store but also convenient to carry, and can even be easily taken on public transportation. This makes them a practical choice, especially for those living in urban areas without dedicated parking spaces.

Compared to traditional electric bikes, mini electric bikes require less storage space, with many models being foldable, which significantly saves storage space. This means you can easily store it in a corner of your home or office, place it in your car trunk, or even bring it on the subway. In contrast, traditional electric bikes, due to their larger size, are much less convenient to store and carry.

Due to their smaller size, mini electric bikes are more agile and easy to control, making them especially suitable for navigating the complex traffic and narrow streets of urban environments. They are perfect for quickly maneuvering through busy city streets and avoiding traffic congestion, particularly for beginner riders, as they are easier to handle and control.

With smaller batteries, mini electric bikes typically charge faster and are more budget-friendly, making them an ideal choice for cost-conscious consumers. For those looking to experience electric riding at a lower cost, they are a highly suitable option.

Why Fiido Stands Out in the Mini Electric Bike Market?

Fiido has rightfully claimed its place as one of the best electric bikes UK, with a special emphasis on mini-electric bicycles. The company has positioned its brand on the basis of quality, innovation, and customer satisfaction as key competencies. Now it is time to discuss how Fiido became one of the leaders in the market of compact electric bikes.

1. Foldable and Portable Design

Fiido mini electric bikes are exceptionally portable, with foldable frames weighing as little as 17-24 kg, depending on the model. This makes them easy to carry and store, whether you’re taking them into an apartment, office, or onto public transportation. The compact size and lightweight design make it ideal for commuters who need a bike that doesn’t take up too much space but still delivers great performance. Adjustable handlebars and seats ensure comfort for riders of all heights, making the Fiido bikes suitable for a wide range of users.

2. Powerful Performance and Impressive Battery Life

Fiido bikes come equipped with powerful motors and long-lasting batteries. For example, the Fiido D3 Pro features a 250W motor and a 280.8Wh battery, offering up to 49.09 miles of range on a single charge, depending on terrain and rider weight. The higher-end Fiido L3 model, with its 350W motor and a 1113.6Wh battery, can cover up to 124 miles on a single charge. These bikes are designed to easily handle city commutes, including hills and longer distances, without requiring frequent recharges. With charging times typically around 4-6 hours, Fiido bikes make daily use convenient and hassle-free.

3. Great Value for Money

Fiido offers a variety of models at competitive prices, from budget-friendly options like the D3 Pro, which starts at around ＄399, to more advanced models like the L3, which offers better suspension, longer range, and enhanced power. Despite their compact size and advanced features, Fiido bikes remain affordable, providing great value for commuters who want an electric bike that offers both performance and affordability.

4. Customer Support and After-Sales Service

Fiido is dedicated to customer satisfaction, offering clear product descriptions, user-friendly manuals, and exceptional after-sales support. Whether you need help with setup or have questions about maintenance, Fiido’s customer service team is available to assist you. This commitment to service ensures that customers have a smooth experience from purchase to long-term use.

Fiido’s combination of foldable portability, powerful performance, and excellent battery life makes it a top choice for urban commuters. With competitive pricing and a range of options to suit different needs, Fiido electric bikes offer an affordable and reliable solution for navigating city streets.

Recommended Fiido Mini Electric Bikes

If you’re considering purchasing a mini electric bike, here are a few Fiido models that stand out:

Fiido D3 Pro: The D3 Pro is a compact and lightweight bike, perfect for urban commuters. Weighing just 17.3 kg, it is easy to carry and store, making it ideal for people with limited space or those who need to take their bike on public transport. With its 250W motor and a range of up to 80 km, it provides a reliable and efficient ride for daily trips around the city. Its sleek design and ease of use make it a top choice for those seeking a practical e-bike.

Fiido L3:The L3 is a versatile folding electric bike that combines convenience and power. Weighing 24 kg, it offers a balance of robustness and portability, making it easy to fold and store when needed. With a 350W motor and a 1113.6Wh battery, it provides a range of up to 124 miles on a single charge. Ideal for longer commutes or weekend adventures, the L3 delivers a smooth and reliable ride without sacrificing portability.

For each of these models, you can find the full range of mini electric bikes on Fiido’s official UK website.

Conclusion

Whether you’re new to electric bikes or an experienced commuter, Fiido’s mini electric bikes provide a reliable, efficient, and cost-effective way to navigate the city. Their compact size, ease of use, and powerful performance make them an ideal choice for tackling everyday urban challenges, from avoiding traffic to finding convenient parking. With Fiido, you get more than just a bike—you get a smarter, faster, and greener way to move through the city.

What is worth knowing about industrial piping?

Lifestyle

Sam Allcock

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17 December 2024

0

What is worth knowing about industrial piping?

Adequate piping systems are essential to good performance in many industries. They make it possible to transport various types of components, including gases and liquids. However, in order for this to happen, professional installation is necessary, as well as high-quality pipes. Let’s find out what you need to know so that you can invest in top-quality industrial piping.

Industrial piping – what is it?
What are the different pipes used in industrial piping?
What kind of services do you need, when it comes to industrial piping?

What is industrial piping and what services are needed to make such a system? Let’s find out.

Industrial piping – what is it?

Industrial piping is used in a wide variety of industries. For example, they are used in the food, pharmaceutical, energy and chemical industries. They are also used in oil and gas refining and many, many others. The systems consist of valves, pipes, sensors, transmitters and fittings. Industrial piping systems are designed to transport materials, such as gases or liquids. Moreover, they must be able to withstand operation under harsh conditions, such as high pressure, high temperature. They are made of various materials, such as cast iron, stainless steel, copper or PVC. The process of designing and assembling industrial pilings is complicated and requires the help of specialized and experienced workers. Specialized inspection of the system is also required on a daily basis.

What are the different pipes used in industrial piping?

In industrial piping you can meet with many different types of pipes. It is their types that determine whether the entire process will run smoothly.

Among other things, the following types of pipes are available:

steel pipes – they are very often used, as they provide high durability, are corrosion-resistant and resistant, also to temperature and pressure. For example, they are perfect for gas and oil pipelines, marine environments, water supply systems and much more.
Copper pipes – copper is a conductive, yet corrosion-resistant material. Moreover, they are durable, long-lasting. They are a very popular choice for water supply lines.
PVC pipes – that is, pipes made of polyvinyl chloride. They are resistant to corrosion, and at the same time lightweight and flexible. This makes them ideal for systems where various types of bends or curves are needed. They are eagerly used in various irrigation systems, wastewater treatment plants, water and sewage systems and others.

Other materials are also used for pipelines. For example, cast iron pipes are very durable and corrosion-resistant, and for this reason they are used in sewage systems. Moreover, fiberglass pipes are used in chemical plants. They are resistant to chemicals and corrosion. In addition, aluminum pipes are also readily used. They are especially valued for their very low weight.

What kind of services do you need, when it comes to industrial piping?

Proper design of industrial pipelines requires specialized knowledge and the involvement of skilled people. This is important because the safety of the system and the efficiency of its operation depend on their work. What’s more, it is the specialists who have to select the best materials for the conditions in which it will operate and the materials it will transport. However, building a pipeline is not the only thing that needs to be done. It is also necessary to inspect the system afterwards. This will ensure that everything works impeccably and that there are no defects or damage.

Hedging Against Hackers: 8 Simple Ways To Protect Your Online Investment Account

Blog
Finance

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17 December 2024

0

Hedging Against Hackers: 8 Simple Ways To Protect Your Online Investment Account

A flood of cyber-related attacks and data breaches have raised alarm bells among investors who make use of non-traditional online investment and trading accounts.

Following a recent data breach of National Public Data (NPD), which exposed sensitive information of nearly 3 billion people, financial experts are calling upon investors and traders to take more cautious security measures to protect their online accounts.

Cybercrime has become a highly lucrative industry, costing consumers and businesses over $10.3 billion in losses, according to the FBI’s Internet Crime Report. In the last two decades, the financial sector has suffered through more than 20,000 cyberattacks, amounting to more than $12 billion in losses, according to research by the International Monetary Fund (IMF).

Cryptocurrency traders have seen a similar wave of crime rippling across the blockchain, with crypto hackers scooping up more than $3.8 billion in cryptocurrency in 2022, up from $3.3 billion in 2021.

Online investment accounts have become a target for hackers, with investors and traders paying the price for their lack of due diligence. As more financial trading moves online, investors will need to bolster their approach to digital safety in an attempt to mitigate their cybersecurity risks.

Securing Online Investment Accounts

Digital security plays a vital role in safeguarding investors’ personal and financial information. There are a few simple steps that investors can follow to improve security features surrounding their online accounts.

Verify platform security

Investors should take it upon themselves to verify platform security, including brokerage apps and trading websites. At the bare minimum, platforms should provide One-Time PIN/Password (OTP) login verification.

OTPs are automatically generated by an algorithm and are provided for a single use only. An OTP code can only be sent to a device that is directly linked to an online profile and is only requested upon entry of valid profile login details.

Investors need to verify that the platforms they use have the necessary security features such as password protection, biometric authentication, or multi-factor authentication.

Set-Up Two-Factor Authentication

Two-factor authentication (2FA) can work in combination with an OTP. A code is sent via an email or text message to an account holder following a login attempt to an account. With 2FA users have an additional layer of security added to their accounts. Keep in mind, that this type of security feature is not used as part of the primary security protocols, and users will need to activate these features.

Use strong passwords

Every year, at least three in four people are at risk of having some online account being compromised due to insufficient password protection measures. Investors should follow important password best practices including:

Changing passwords regularly
Using a 16-character password, or something longer
Using a combination of letters, numbers, or symbols
Avoid using a password twice
Avoid using a name or last name, or combination thereof
Using 2FA along with password protection

Create account alerts

In most instances, financial accounts will allow users to activate account alerts. These account alerts help to notify a user when there has been activity on their account. This is specifically useful for investors who may have multiple online investment accounts.

Account alerts allow users to be informed about any suspicious activity that may take place across their investments. With account alerts investors will have enough time to activate security measures should unverified activity take place on their accounts.

Review account balances regularly

Regular account reviews ensure that investors are up to date regarding recent and previous account activity. By conducting a weekly, monthly, or quarterly account review, investors will have a better overview regarding their account balances, and any investment activity.

This is similar to individuals routinely checking debit and credit card statements for any unverified account activity. Routine check-ups leave less possibility for hackers to move funds from an account or to take advantage of weak security protocols.

Install antivirus software

Investors shouldn’t underestimate the importance of antivirus software. These technologies help protect users against malicious activity, such as ransomware attacks. Antivirus software can be installed across various devices, including computers, laptops, and mobile devices.

Using antivirus software will add a layer of security to online investment accounts. More than this, newer antivirus protection software is designed to adapt to newer, more sophisticated threats. These features will ensure that investors will have continued protection, even as new threats emerge.

Install a VPN

A Virtual Private Network (VPN) can be installed on computers and mobile devices. This type of software technology helps encrypt data sent and received on a specific network while masking a person’s IP address from the public domain.

Users can make use of a VPN to access websites that are only available in location-specific countries. For instance, an investor from the United Kingdom, using a USA VPN can access U.S.-based websites, as the VPN helps to redirect the IP address through an American network.

VPNs help to mask a person’s online activity but can be used to encrypt sensitive data shared across a browser or mobile application.

Avoid using public wifi

Public wifi enables investors to trade and complete transactions from anywhere, at any given time. However, there have been multiple accounts of users having their profiles hacked after using a public wifi connection.

While this might sound like something from science fiction, hackers can infiltrate an investor’s personal device via a public wifi network. Investors should keep their security settings up to date, and where possible, make use of a mobile network connection instead.

Staying Safe

Keeping online investment accounts secure has become a full-time job. Investors need to ensure that they evaluate the security protocols of the platforms they use, and activate as many security features as possible to safeguard their investments. With adequate investment in cybersecurity, investors will have the benefit of sidestepping security gaps, staying ahead of cyber hackers, and upholding lockstep actions against malicious actors.

Creative Ways To Think Of A Personalised Number Plate For Your Car

Josh Haines

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16 December 2024

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Creative Ways To Think Of A Personalised Number Plate For Your Car

A personalised number plate is more than just a collection of letters and numbers. It’s a chance to add a unique touch to your car and make it truly yours. But when it comes to deciding what to put on your number plate, it can feel like the options are endless. Where do you even start? Let’s explore some creative and fun ways to come up with a personalised number plate that feels meaningful, memorable, and perfectly suited to you.

Think About Your Name or Initials

Your name or initials are an obvious starting point, but that doesn’t mean the result has to be boring. Play around with different combinations. Could you use your nickname or a variation of your name? For example, “SAM” might become “SAM123” or “S4M.” Initials can also look sharp on a plate, especially when paired with a meaningful number. Consider your birth year, a lucky number, or even a number with personal significance.

If your name is common, you might find some of the more straightforward combinations already taken. Don’t let that discourage you. Get creative by substituting numbers for letters (like 3 for E or 1 for I) or adding extra flair with patterns, like “J0HNX” or “L1ZZY8.”

Highlight Your Interests

What are you passionate about? Your hobbies or favourite activities can be a brilliant source of inspiration for a personalised plate. Whether you’re into football, music, cooking, or gaming, there’s usually a clever way to reference it.

For instance, if you’re a guitarist, a plate like “STR1NGS” or “GTRFUN” could work. Love cars? Personalised number plates like “V8FAN” or “C4RCRZY” tell the world how much you care about motoring. Even niche interests can make great plates – they might even be easier to secure since fewer people will think of them!

Don’t forget to think about words or phrases that reflect your personality. Are you known for being the life of the party? A plate like “FUN2B” or “J0K3R” could fit the bill.

Celebrate Milestones

Personalised plates are also a great way to commemorate a special occasion or milestone in your life. Think anniversaries, career achievements, or even the birth of a child. For example, a newlywed might opt for a plate like “MR4MRS” or “WED2024.” Similarly, a new parent might choose something like “D4DMUM” or “L1TTLE1.”

If you’re celebrating a big birthday, why not incorporate your age in a playful way? Plates like “40FAB” or “21YES” are fun, cheerful, and meaningful.

Play With Words

A clever pun or wordplay can make your number plate stand out and bring a smile to people’s faces. These types of plates tend to be particularly memorable and fun.

Start by thinking of words that relate to your name, interests, or personality, and experiment with how they could be tweaked to fit the number plate format. Replace letters with similar-looking numbers, like 5 for S or 7 for T, to unlock even more possibilities. For example, if your name is Jack, you might go for “J4CKP” (Jackpot).

You can also use abbreviations or shorthand. For example, “L8RUNR” for someone who’s always running late, or “2FAB4U” for a tongue-in-cheek compliment to yourself. The possibilities are endless!

Keep It Personal

What’s something that makes you, well, you? Your job, your family, or even a personal motto could inspire a plate that feels deeply individual. For example, if you’re a teacher, a plate like “EDU101” or “T3ACH” could be fun. If family is your focus, something like “M4DAD” or “LOVEM” might resonate.

Think about phrases or words that carry meaning in your life. A favourite saying, an inside joke, or even a pet’s name could be transformed into a personalised plate.

Experiment With Numbers

Numbers don’t have to just fill space on your plate – they can add depth and meaning. Birthdays, anniversaries, and favourite numbers are all great choices, but you can also get more creative.

For instance, if you’re a sports fan, the number of your favourite player could be incorporated. Or, if there’s a number sequence that holds special significance (like the year you got your car), it can become part of your plate. Don’t underestimate the power of a well-placed number – it can turn a good idea into a great one!

Make It Fun

Sometimes, the best personalised plates don’t take themselves too seriously. A playful or humorous plate can be a conversation starter and brighten someone’s day. Plates like “LOL123” or “IML8” inject a bit of personality and show that you’re up for a laugh.

You can also play around with irony. For example, a super-fast car with a plate like “SL0WLY” or “TRYME” will definitely turn heads.

Check Availability

Once you’ve landed on a few ideas, it’s time to check availability. Personalised plates are often in high demand, so some of the more obvious options might already be taken. Have a few backup ideas in mind, and be ready to get creative if your first choice isn’t available.

Most online services will let you see what’s available and suggest alternatives if your desired plate isn’t an option. It’s worth exploring a few variations to find something unique that still captures the essence of your idea.

Personalising your number plate is a chance to add a touch of your personality to your car. Whether you go with a name, a pun, or something that celebrates your passions, the key is to choose something that feels meaningful and fun. So, what’s going to be your perfect plate?

Essential Precautions to Secure Smart Car Financing Deals

Claire James

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16 December 2024

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Essential Precautions to Secure Smart Car Financing Deals

When buying a car on finance, you’re making a long-term commitment that affects your finances and lifestyle. While the process might seem straightforward, a few hidden risks can turn what looks like a bargain into a costly mistake. Here’s a practical guide to help you secure the best deal and avoid future regrets.

Understand the Market

Before signing any agreements, research the market thoroughly. Check average prices for your desired car model, factoring in its age, mileage, and condition. This will help you spot inflated prices and unrealistic offers. With an informed view of the market, you’re less likely to be swayed by slick sales pitches.

Inspect the Vehicle’s Quality

A car’s appearance can be deceiving. Go beyond aesthetics and examine its service history, mileage, and any repairs made. If possible, take it for a test drive to assess its performance. Whether it’s a brand-new model or a pre-owned vehicle, ensuring quality upfront can save you from costly repairs later.

Rely on Practical Tools

Having a checklist of checks needed for car finance can be invaluable. These tools guide you through the entire process, ensuring no important detail slips through the cracks. From vetting sellers to confirming warranties, a structured approach leads to smarter decisions.

Vet the Dealer or Seller

The reputation of the dealer or private seller is crucial. Online reviews and testimonials can provide insights into others’ experiences. Look out for red flags, like consistent complaints about after-sales service or hidden fees. Choosing a reputable seller ensures smoother transactions and better customer support.

Scrutinise Finance Terms

Take time to read the fine print of your finance agreement. Look for clauses on interest rates, repayment schedules, and penalties for late payments or early settlement. Knowing the exact terms will prevent misunderstandings that could disrupt your finances later.

Explore Discounts and Offers

Car finance deals often come with promotions like lower interest rates or additional perks, such as free servicing for a year. Compare these deals across lenders and dealers to maximise your benefits. However, don’t let flashy promotions overshadow the deal’s overall value.

Spot Hidden Costs

Ask about any additional charges, such as administrative fees, extended warranties, or insurance premiums tied to the finance deal. These costs might not be obvious but can significantly increase your total expenditure. Transparency here is key to budgeting effectively.

Ensure the Car’s Authenticity

Especially with pre-owned vehicles, confirming the car’s authenticity is vital. Verify its Vehicle Identification Number (VIN), ownership history, and if it’s free from outstanding finance. This step ensures you’re not inheriting someone else’s financial problems or a counterfeit vehicle.

Check for Warranty and Support

A good warranty is your shield against unexpected mechanical issues. Ensure the finance deal includes a reasonable warranty period and access to reliable after-sales support. Without these, even minor issues could become expensive headaches.

Closure

Buying a car on finance is a significant investment, but with these checks in place, you can steer clear of pitfalls. By taking control of the process and scrutinising every detail, you’ll drive away knowing you secured a deal that truly works for you.

Evolving Senior Health Insurance: Medicare’s Role in Modern Care

Blog
Health

Claire James

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16 December 2024

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Evolving Senior Health Insurance: Medicare’s Role in Modern Care

In the United States, one of the most significant benefits available to senior citizens is Medicare, the federal health insurance program designed to provide medical coverage for those aged 65 and older and some younger individuals with disabilities.

Understanding Medicare is crucial for those living in the U.S., as it can be the difference between adequate healthcare and overwhelming medical costs. In this article, we’ll break down how Medicare works, the various parts of the program, and the options available for seniors.

What Is Medicare?

Medicare is a government-funded health insurance program that covers a wide range of medical services for seniors and those who qualify early. The program was established in 1965 under the administration of President Lyndon B. Johnson to address the rising medical costs faced by seniors, mainly because they were more vulnerable to health issues that could result in significant financial strain.

Medicare is divided into different parts, each offering different types of coverage. Understanding the structure of these parts is essential for seniors to make informed decisions about their healthcare.

The Four Parts of Medicare

Medicare is divided into four distinct parts: Part A, Part B, Part C, and Part D. Each part covers different types of services, and depending on their health needs, seniors may need to combine them to get full coverage.

Medicare Part A (Hospital Insurance)

Medicare Part A is designed to cover inpatient hospital stays, skilled nursing care, hospice care, and some home healthcare services. Most seniors don’t pay a monthly premium for Part A if they or their spouse paid Medicare taxes while working. This is often referred to as “premium-free Part A.” However, there are still out-of-pocket costs, such as deductibles and coinsurance, which can vary depending on the length of the hospital stay or other services needed.

Part A is essential for covering the major medical expenses related to hospital care. Without it, seniors would have to pay these costs out of pocket, which could easily become unaffordable.

Medicare Part B (Medical Insurance)

Part B of Medicare helps cover outpatient care, including doctor visits, lab tests, surgeries, and preventive services like flu shots or cancer screenings. Unlike Part A, Part B typically requires a monthly premium, which can vary depending on the individual’s income. In 2024, the standard Part B premium is approximately $174.70 per month, though it can be higher for those with higher incomes.

Part B is often critical for covering doctor visits and medical services vital to maintaining health. However, it’s important to note that Part B does not cover everything, and there are deductibles and coinsurance payments that will be required.

Medicare Part C (Medicare Advantage)

Medicare Part C, or Medicare Advantage, is a private plan that seniors can choose instead of Original Medicare (Parts A and B). Private insurance companies approved by Medicare offer these plans. Medicare Advantage plans often include the same coverage as Parts A and B, but they may also provide additional benefits like vision, dental, and hearing coverage, which Original Medicare does not provide.

Medicare Advantage plans can be structured in different ways, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Special Needs Plans (SNPs). Each plan has different rules regarding which doctors and hospitals you can use and how to access care. While these plans may come with lower premiums or extra benefits, they can also have varying out-of-pocket costs and rules for getting care, so reviewing plan details carefully before signing up is essential.

Medicare Part D (Prescription Drug Coverage)

Medicare Part D is the prescription drug coverage component of Medicare. This coverage is provided through private insurance companies that Medicare approves. Part D helps pay for prescription medications, which can be a significant part of healthcare costs for seniors. Like Part B, Part D also has a monthly premium, and the amount you pay depends on the plan you choose.

One thing to note is that Part D plans vary significantly in terms of covered drugs, so seniors should compare different plans to find one that covers the medications they need.

How Medicare Works: Eligibility and Enrollment

Medicare eligibility begins at age 65 for most people, although there are exceptions for individuals with certain disabilities or health conditions. In fact, people under age 65 who have been receiving Social Security Disability Insurance (SSDI) for at least 24 months are automatically enrolled in Medicare.

Enrollment in Medicare is usually automatic for those already receiving Social Security benefits at age 65. If you aren’t receiving Social Security benefits when you turn 65, you must sign up for Medicare during a specific enrollment period.

There are three main enrollment periods to be aware of:

Initial Enrollment Period (IEP): This is the seven-month window surrounding your 65th birthday (three months before, the month of, and three months after).
General Enrollment Period (GEP): If you miss the IEP, you can enroll in Medicare between January 1 and March 31 each year. However, you may face late enrollment penalties if you don’t qualify for a Special Enrollment Period.
Special Enrollment Period (SEP): If you delay enrolling in Medicare due to having creditable employer-based insurance, you may be eligible for a SEP to sign up later without facing penalties.

Costs and Financial Assistance

While Medicare significantly helps reduce healthcare costs for seniors, it’s not without expenses. So, what do people pay for Medicare? Individuals must pay premiums, deductibles, and coinsurance amounts, which can add up over time. For those with limited income, assistance programs are available, such as Medicaid, which may help cover some of the costs not paid by Medicare. The Medicare Savings Programs (MSPs) are another resource for low-income seniors, assisting with premiums and other out-of-pocket expenses.

Additionally, there are “Medigap” plans, or Medicare Supplement Insurance, which can be purchased through private insurance companies to help fill in the gaps in Medicare coverage. These secondary plans can cover copayments, coinsurance, and deductibles, which might otherwise be burdensome.

Conclusion

Medicare is a vital part of the U.S. healthcare system for seniors, offering crucial medical coverage and financial protection for older Americans. However, navigating the complexities of Medicare can be challenging, given the different parts and options available. Seniors need to understand the basics of each Medicare part, including the costs and benefits, to make informed decisions about their healthcare. By doing so, seniors can maximize their coverage, minimize out-of-pocket expenses, and ensure they receive the care they need as they age.

For those nearing age 65 or already enrolled, it’s worth reviewing Medicare options periodically to ensure the coverage chosen is the most appropriate for their evolving healthcare needs.

Disrupting Giants: How Niche Online Stores Are Gaining Ground in Retail

Claire James

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16 December 2024

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Disrupting Giants: How Niche Online Stores Are Gaining Ground in Retail

If we look at the world of e-commerce, it’s clear to see that giants like Amazon and eBay are running the scene. And this makes it a lot tougher for smaller, independent businesses to compete. The same is true of all industries – independent casino sites trying to compete with big-names like William Hill, and local food shops trying to compete with names like Tesco and Morrisons.

With so many people that just go with the names they know and trust, it begs the question, “Can small, independent businesses actually succeed”?

Well, the answer is yes – but it’s not easy. It needs strategic planning, being able to adapt – and coming up with USPs and unique strengths.

So, let’s take a look at how small businesses can not only survive but thrive in the shadow of those “big boys” and even get a solid and loyal customer base.

Understanding the Competition

Big companies have the advantage. They operate on a massive scale, with huge marketing budgets, and a whole logistical network. They can offer lower prices, next-day delivery, and an inventory of goods that’s difficult to match – and it can feel overwhelming and even impossible for smaller businesses.

However, it’s these very things that can make these same businesses seem impersonal and even uncaring… so smaller competitors can add a more personal touch – and have their own, niche area of expertise.

The Secrets of Success

So, let’s take a look at how they can succeed – and use their size to their advantage.

Specialisation

Small businesses should focus on a specific market that they are experts in… being a master of one trade rather than a jack of all trades. So, for example, if you offer vintage clothing for a specific area, you’ll attract a specific audience and, if you’re good enough, enjoy customer loyalty.

Excellent Customer Service

We’ve all experienced horrendous customer service from bigger businesses. Whether it’s being diverted to a call centre that can only work from scripts, or only having access to an AI bot that can’t really help – or being told that we’re 233rd in the queue, but our custom is important to them.

If you can offer personal, quick and professional customer service, people will want to go back to you rather than those lesser-helpful big boys.

Be Authentic – Have a Story

People like dealing with companies that are real, authentic and that they can identify with. Who wants to feed their dog regular chemically enhanced food that’s mass produced by a company that cares nothing for animals, rather than something freshly made and good for them created by animal lovers? Most people will pay more to know that their dog has got the best.

Now How to Use Digital Marketing

Being good with digital marketing can level the playing field a bit. Even smaller, independent businesses can use things like SEO, Social Media and email campaigns. Getting familiar with platforms like TikTok and Instagram can be a great way to reach your audience.

Move Quickly

Independent businesses are smaller… and can make changes even more quickly, adapting to the market as and when needed. Use your size and adaptability to your advantage. Smaller can have its advantages!

Build a Community

Independent businesses are also great for building a community. You can create your own social media groups, host virtual events, create newsletters and chat with your customers. You can actually build a rapport with customers and those who have similar interests to you.

Understanding The Challenges

That’s not to say there won’t be plenty of challenges to overcome.

Speed of Delivery

Companies like Amazon, etc, can offer next-day delivery, for free. If you find a delivery company or logistics provider you can partner with, that will help somewhat. And provide delivery updates!

Price Matching

Because big companies wield a lot of power and buy in bulk, they can usually offer cheaper prices. If you can’t compete, emphasise where you can offer value – i.e. customer support or quality.

Less Money

As a smaller business, it’s all about prioritising your spending. Be strategic in investments and the technologies you use.

So, to answer the question ‘can an independent business survive in today’s world?’ Then the answer is yes. With care, strategy – and knowing how to make you and your product stand out from the crowd, your small company can not only survive… but thrive!