Today, cryptocurrencies are no longer just for the tech-savvy; banks, telecom operators, and tech companies are increasingly integrating crypto into their operations. Using Crypto-as-a-Service solutions has become a best practice, with major crypto exchanges offering these services on a white-label basis, enabling companies to incorporate crypto functionalities without building from scratch.

Another key service that large crypto exchanges provide is token listing support, helping projects navigate compliance, market positioning, and promotional efforts, ultimately making the process of bringing digital assets to market more accessible and efficient.

The process of listing a crypto token on an exchange is a critical milestone for any blockchain project, providing access to liquidity, market exposure, and investor engagement. However, it is not without its challenges. From navigating complex market conditions to meeting stringent compliance standards and fending off competition, the path to a successful coin listing on exchange platforms requires strategic planning and careful execution. Understanding these challenges and how to address them can make the difference between a smooth listing process and costly setbacks.

Common challenges projects face when listing a coin on exchange and how to overcome them

Listing a coin on an exchange involves navigating several key challenges, including market conditions, regulatory compliance, and intense competition:

• Market conditions, characterized by volatility and fluctuating investor sentiment, can greatly influence the success of crypto listing. To overcome this, projects should conduct thorough market research and strategically time their listings during favorable conditions to maximize visibility and trading activity.
• Regulatory compliance is another major hurdle, with varying legal requirements across jurisdictions. Engaging legal experts early and implementing robust compliance frameworks can help projects meet these standards and avoid costly penalties. Partnering with compliance service providers can further streamline this process.
• Competition in the crypto market is fierce, with numerous projects vying for investor attention. To stand out, projects must demonstrate strong use cases, active communities, and solid tokenomics. A strategic marketing plan and proactive community engagement are essential to differentiate the project and attract both investors and exchanges.

By addressing these challenges head-on with strategic planning and expert support, projects can enhance their chances of a successful token listing on exchange.

Successfully listing a crypto token on an exchange is a crucial move that can greatly influence a project’s market presence, providing increased exposure, liquidity, and access to investors. However, this process is often met with challenges such as market volatility, complex regulatory requirements, and fierce competition. To navigate these obstacles, projects need strategic planning, comprehensive market research, strong compliance strategies, and active community engagement.

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As the popularity of cryptocurrencies continues to rise, so does the prevalence of scams targeting unsuspecting users. DiviCoins, a new cryptocurrency exchange, prioritises the safety of its users by implementing robust security measures. In this article, we’ll explore some of the most common cryptocurrency scams and provide practical advice on how you can protect yourself.

Phishing Scams

Phishing scams involve fraudsters impersonating legitimate entities to trick users into divulging sensitive information such as passwords, private keys, or other personal data. These scams often come in emails, messages, or fake websites that closely resemble those of reputable organisations.

How to Avoid:

• Verify URLs: Always double-check the URL of the website you are visiting. Ensure it is the official site of the service you are using.
• Beware of Suspicious Emails: Be cautious of unsolicited emails or messages asking for personal information. Legitimate companies will never ask for your private keys or passwords via email.
• Enable Two-Factor Authentication (2FA): Adding an extra layer of security to your accounts can help prevent unauthorised access.

Ponzi Schemes

Ponzi schemes promise high returns with little to no risk by using funds from new users to pay returns to earlier participants of the scheme. Eventually, the scheme collapses when there are not enough new users providing their crypto assets to sustain payouts.

How to Avoid:

• Be Sceptical of High Returns: If a crypto opportunity sounds too good to be true, it probably is. Be wary of schemes that guarantee high returns with minimal risk.
• Research Thoroughly: Investigate the background of the company or individual offering the deal. Look for reviews, feedback, and regulatory compliance.
• Stick to Reputable Platforms: Use well-known and established exchanges like DiviCoins, where you can buy crypto in three easy steps with confidence in the platform’s integrity.

Fake ICOs (Initial Coin Offerings)

Fake ICOs lure users with promises of groundbreaking technology and massive returns. Scammers create websites, whitepapers, and social media profiles to make their projects appear legitimate.

How to Avoid:

• Verify Project Details: Check the team’s credentials behind the project, their history, and the technical feasibility of their claims.
• Read the Whitepaper Critically: A legitimate whitepaper will provide detailed, coherent information about the project. Be wary of vague or overly ambitious claims.
• Avoid Pressure Tactics: Scammers often create a sense of urgency to join the project quickly. Take your time to research and make informed decisions.

Giveaway Scams

Giveaway scams involve fraudsters posing as celebrities or companies offering free cryptocurrency in exchange for sending a small amount to verify your address. These scams are often propagated through social media.

How to Avoid:

• Be Wary of Social Media Offers: Legitimate giveaways will not ask you to send cryptocurrency first. Avoid offers that require any form of payment upfront.
• Verify Authenticity: Check the official social media accounts of the company or individual purportedly offering the giveaway.
• Report Scams: Report any suspicious activity to the platform’s support team to help prevent others from falling victim.

Cryptocurrency scams can be sophisticated and difficult to spot, but staying informed and vigilant can protect you from falling victim. DiviCoins takes your security seriously, implementing robust measures to ensure a safe and reliable exchange experience. Always use trusted platforms like DiviCoins, where you can buy crypto securely and confidently in three easy steps. Following the advice outlined in this article, you can navigate the cryptocurrency world with greater assurance and safety.

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Chocolates, roses and heart break? Red Tuesday is here and apparently, it’s the most likely time of year when couples break up…right before the big day. So what is it that causes couples to break up? Is it the pressure leading up to Valentines Day or perhaps it’s when people take real stock of where they’re at in their relationships only to realize they’re in an unhappy place and it’s time to make a change. Well, money is also a big one and that’s not the least bit surprising considering the economic times we live in.

See also: Is sober curious dating just a trend, or here to stay? Here’s what the experts have to say…

1 in 3

According to a survey conducted by Simplii Financial, 1 in 3 young Canadians (18-34) have broken up with their partner over money (ouch). That’s a pretty high number if you ask me and also tells me that people just aren’t communicating properly. Additionally, 4 in 10 Canadians say money is a major cause of stress in their relationship. Who’s responsible for the dog’s grooming bill?

So what else did the survey say? Well 33% of Canadians feel like they’re going at it “alone” when it comes to their personal finances. To an earlier point, 46% aged 18-34 identify money as a major issue in the relationship. Finally, 73% think their partners could manage their finances better.

How to solve this (non) love bug

“While money can’t buy love, personal finances can make or break a romantic relationship,” said Jimmy Dinh, Managing Director, Simplii Financial. “The good news is that effective communication and a few simple tips can go a long way to help.” Relationship expert Jen Kirsch adds, “Financial compatibility is not just about numbers; it’s about trust, communication, and shared goals. Open dialogue about money is essential for building a strong foundation in any relationship.”

So what could this look like? Well one way, according to Kirsch, is splitting the bill. The reality is we no longer live in a world where one income is enough anymore. Setting aside the wild debates about gender roles and who’s responsible for what, just logically speaking, the average income in Canada can barely afford to sustain a basic style of living. Two incomes are necessary and that’s the ugly truth.

Another approach Kirsch adds is to get on the same page as your partner. Set out your goals and be intentional with how you plan and budget so you don’t find yourself cash-strapped or facing a massive bill at the end of that beautiful trip to Italy where you signed up for one too many wine tastings.

Feature image by Towfiqu barbhuiya

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Welcome to Episode 61 of the Gent’s Talk podcast, where we sat down with James Milonas. Fresh off the June 2023 View The Vibe cover, Milonas is best known as James In The City to the Toronto real estate community. With a highly successful lifestyle brand of the same name, James broke down the current condition of the real estate world for us. We also dove into “James Milonas vs. ‘James In The City'” and discussed the power of the words we speak.

James Milonas

Being a public figure is challenging, and James explained the difficulties of living up to the James In The City persona, which exudes perfection. “This world is so judgmental,” Milonas stated, “they always expect a polished version.” Because of this, he feels the real James cannot come out as frequently as he’d like. Struggling to split time between the two personas, it was his brother’s passing and the inability to grieve that loss that Milonas decided to defer to the more polished James In The City.

Serendipitously, his brother’s passing also opened the door to reconstructing his tumultuous father-son relationship. He spoke briefly about how, before, he was content that he would never talk to his father again but admitted that he is grateful for at least some relationship with him now.

See Also: Gent’s Talk: Ep. 60 – A Sit-Down w/ Dom Gabriel

James In The City

Is real estate an industry worth getting into? Take a listen as James explains why it is not! He explained that many of the 70,000+ real estate agents (in Toronto alone) face the reality of waking up every morning unemployed. He informed us that a real estate agent often goes up to six months without a paycheque. Although they may be writing deals, the difficulty arises when closing time stretches for months. “It’s a very lonely business,” he noted, “it’s a grind. You’re by yourself every day.”

Your Forever Home?

If you’re a potential homeowner in the discouraging housing market of Toronto, heed James’ advice: Manage your expectations. He stressed that if the goal is to get into the housing market, not to lose track of that. Accept that you may be unable to afford that $2 million home by the waterfront. “Gone are the days of buying your forever house,” he warned, “[you have to] climb the ladder. The average buyer moves every 3-5 years.” This means your first home may be a condo/townhouse or a bungalow instead. You can live there for a few years, then move into something closer to the home of your dreams.

Although James talked much about the discouraging aspects of real estate, he still very much loves the industry. Please tune into Episode 61 for the entire conversation with James Milonas as he discusses the validity of “Representation Matters” and the shift from people refusing to work with gay real estate agents to gay agents now being fetishized.

About Gent’s Talk

Bulova Canada presents Episode 61 of Gent’s Talk, available for streaming on Youtube, Spotify, Goodpods, iHeartRadio, Apple and Google Podcasts! It was filmed at StartWell Studios in Toronto. You can now catch Seasons 1, 2 & 3 on all Air Canada flights! We appreciate your continued support throughout this journey. Thank you!

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This year, Coors Original is inviting Canadian entrepreneurs and business owners to pitch their business idea and establish their own legacy. Through the Legacy Lift grant, Canadians currently on their business journey can get the opportunity to apply for a chance to attend the Legacy Lift pitch event in Toronto on September 6. Make it here and you’ll get a shot at giving your best elevator pitch for a chance to win $40,000 in funding.

See also: Gent’s Talk: Ep. 52 – A Sit-Down w/ INKBOX

$40,000

Any entrepreneur will tell you the hardest part of getting your business off the ground is that initial round of funding. So Coors Original developed the Legacy Lift to help a passionate Canadian turn their passion project into a reality by providing significant support during the beginning of its development and growth through monetary funds and mentorship. According to research from Shopify, the $40,000 grant is the ideal amount for those getting started.

“We understand the challenges that come with turning a passion project into a business, and we want to help turn these dreams into reality,” said Leslie Malcolm, Senior Brand Director at Molson Coors Beverage Company and Coors Original Legacy Mentor. “As we developed Legacy Lift, it was important to us that we provided a form of support that could truly go the extra mile for someone just starting their journey. That is why we are not only providing $40,000 in funding but also a unique mentorship opportunity to gain insight and inspiration.”

Coors Original is looking for businesses that are founded in Canada and have the potential to make a lasting impact on their communities. Along with possessing the shared values of Coors Original, owners should demonstrate a passion for their craft and clear grit, courage, conviction, and willingness to persevere through hardships.

Contest Rules

Eligible Canadian business owners can apply for Coors Original’s Legacy Lift grant by submitting a 150-second video about their business and how they plan to build a lasting legacy at coorsoriginal.ca/legacylift by August 27 at 11:59 p.m. EDT. Five finalists will be selected to travel to Toronto on September 6 to share their elevator pitch with Legacy Mentor, Leslie Malcolm, for a chance to win the Legacy Lift grant, along with a 1:1 virtual mentorship session with David Coors himself.

*Must be legal drinking age. No purchase necessary. Mathematical skill-testing question applies. For full contest details, visit coorsoriginal.ca/legacylift.

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Beyonce and Jay Z keep demonstrating black magic. Not only do they stack number 1 albums and sold-out concerts, but now they have raised the stakes. According to TMZ reports, Beyonce and Jay Z just bought a $200 Million dollar home in LA. What’s more, this home is listed as the most expensive property in California’s history.

The Carters

The Carters are no strangers to breaking records, Beyonce has won more Grammys, 32, than anyone in the history of the Grammys. Her husband Jay Z is arguably the GOAT (the greatest of all time) of rap with an impressive 23 Grammy record of his own. They keep raising the bar of black excellence and black wealth. This new purchase puts them in a whole new enviable category. Unlike the struggling Lakers in the NBA conference finals, the Carters keep winning in the golden state.

The $200 Million Dollar Home

Their new acquisition shatters Marc Andreessen’s former record in California. His $177 million buy in 2021 was also in Malibu. Their new abode was designed by architect Tadao Ando and measures in at 30,000 square feet, plenty of space for Blue Ivey and her 2 siblings to enjoy. The property was sold by art collector Bill Bell Jr., who is also the heir to a soap opera fortune. He is the son of the creators of The Young and the Restless and The Bold and the Beautiful. It reportedly took Bell over a decade and a half to finish construction on the concrete property.

See Also: 5 Unexpected Car collectors

The How

For us mere mortals, a $200 million dollar price tag seems unbelievable. But for Jay-Z, this a purchase amounting to less than 10% of his total net worth of $2.5B. Beyonce who just started her highly anticipated Renaissance 57 tour dates, is forecasted to make $2.5 Billion. They are giving new meaning to Jay Z lyrics from Pusha T’s 2022 song Neck & Wrist, “I put your mansion on my wall, are you shittin’ me? I blew bird money, y’all talkin’ Twitter feed”.

Giving Back

The Carters keep demonstrating black excellence, raising the game, and redefining what is possible. Not only are they creating generational wealth with their talents and business savvy but they are committed to giving back. Between Jay Z’s Shawn Carter Foundation and Beyonce’s BEYGOOD Foundation, they give millions of dollars to uplifting their communities and creating social equity.

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Cryptocurrency is a term that has been around for a while now, but it’s still a mystery to many people. In simple terms, cryptocurrency is a digital or virtual currency that uses cryptography for security. Cryptocurrencies are decentralized and operate independently of traditional banks. But what that means and how that applies to you can still be quite confusing. So here are 4 simple things you should know about cryptocurrency. Note, none of this is financial advice!

Decentralization

The most important thing to know about cryptocurrency is that it’s decentralized. This means that it’s not controlled by any central authority. Transactions are recorded on a public ledger called the blockchain, which is maintained by a network of computers all around the world. The blockchain ensures that transactions are secure and that there is no need for a middleman, like a bank, to verify transactions.

Security

One of the most significant benefits of cryptocurrency is the level of security it can provide. But note that not all provide the same level of security which means you should do your research. Cryptocurrencies use advanced cryptography techniques to secure transactions and protect users’ identities. Every transaction is verified by the network of computers on the blockchain, which means that it’s almost impossible to hack or cheat the system. This makes it a safe and reliable way to store and transfer money. With that being said, it can be susceptible to fraud and scams if you don’t pay attention. Approach this the same way you approach protect your banking information.

Speed & Cost

Another benefit of cryptocurrency is that it’s fast and cheap to use. Transactions can be completed almost instantly, and there are no fees or very low fees for transactions. This is because cryptocurrencies do not require any intermediaries, like banks, to process transactions. Instead, transactions are processed directly between users on the blockchain, making it a much more efficient system. An example is someone sending money to a family member in another country. Typically this is associated with fees to you and the recipient. This can be a cheaper alternative.

See also: LeBron James Announces Major Partnership with Crypto.com

Volatility

Finally, it’s important to note that cryptocurrency is highly volatile. The value of cryptocurrencies can fluctuate rapidly, sometimes in a matter of hours or even minutes. This means that investing in cryptocurrency can be risky, and it’s important to do your research before investing. While some people have made a lot of money by investing in cryptocurrencies, others have lost a lot of money due to the volatility of the market. Like anything else, do your homework, make sure you understand the risks and always seek out professional financial advice.

Feature image by Karolina Grabowska

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While winter is still in full force, it’s never too early to start thinking about some spring cleaning. With that in mind, home owners are most likely to be thinking about home repairs and home improvements. While not all renovations will add value to your home, there are some that will help boost the value of your property. So here are the 5 ways to improve your home’s value and improve your sale price.

Kitchen

The kitchen is the area of a home where a lot of families spend most of their time together. Having a functional, well lit and modern kitchen will increase the value of your home. Think about cooking, entertaining and dining functionality when renovating your kitchen. Not all renovations need to be major either. Small renos to improve cabinets, countertops and backsplash could also go a long way.

Windows

New windows not only get recognized by home buyers but also something that appraisers look at. New windows improve the appearance of the home but also add value by reducing utilities cost when choosing energy efficient windows. Vinyl, aluminum and wood windows are the most commonly used.

Finished Basement

Completing an unfinished basement will definitely add value to your home as it will provide more living space to a family. If you’re thinking of selling a home with an unfinished basement, it’s recommended you complete it before selling it as an unfinished basement will become another project that the buyer will have to complete themselves. Buyers do not like to think of work that they have to do, but would rather picture themselves using the space.

See also: 4 things to consider in the real estate market

Attic Insulation

Attic insulation is an improvement that most home owners do not prioritize. Adding insulation to an attic will reduce your energy bills therefore making it an attractive feature to homebuyers.

Roof Replacement

Water leaks is a weak point for a lot of homeowners. One small leak can turn into one major problem. A new roof will not only provide peace of mind, but it is also attractive to buyers as they know that they won’t have to spend a lot of money replacing it. Please keep mind that replacing a roof will only increase your home’s value if your current roof’s life expectancy is near it’s end.

Feature image by JESHOOTS.com

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We have now seen the impact that high interest rates have had on the housing market. While the number of transactions is down, affordability continues to be a problem. There isn’t a one-way solution or policy that can significantly improve the entire housing market. With that being said, there are a few things to consider in the current real estate market that can help you better understand what’s going on.

More Construction

If you are in Ontario, Canada for example, the government’s goal is to build 1.5 million homes in the next decade. To help achieve this number, there are proposed changes to zoning laws that exclude certain single-family neighbourhoods thus allowing them to turn their homes into multi family housing. There could also be reduction in levy costs that are charged to the builders. Reducing building costs means more houses faster.

See also: Tips to grow your real-estate investment portfolio

Foreign Buyer’s Ban

Canada has implemented a 2-year ban on non–resident home buyers as of January 1^st, 2023.  Although the ban has exemptions and does not apply to every type of property, the ban was brought in with the intention to house Canadians first. Refugees claimants, non-Canadians with a work permit and international students are some of the groups that are exempt from this group. Believe it or not, foreign owners make up a small percentage of home ownership across Canada. So the impact will be minimal.

Anti-Flipping

Home owners selling a home that they have owned for less than 12 months will be charged a sales tax. Profits from flipping properties will now be fully taxed as business income as though the seller had earned the income from another employment. The sale of a primary residence falls under the Principal Residence Exemption. However, there is a criteria that must be met to qualify, such as actually living in the home for a specific period of time. Investment properties will also be subject to this full tax instead of capital gains if sold under the 12-month period. The theory here is that flipping houses keeps homes vacant for longer periods of time and fuels increasing house prices. As with any rule, there are exemptions to this tax such as death, disability and divorce to name a few.

Vacant Home Tax

Any home owner with a vacant home will now have to pay a vacant home tax. In a housing crisis with low supply, this tax was built to motivate investors to either rent or sell their home. Therefore creating more housing options. There is a form that every home owner must fill out declaring if their home is vacant or occupied. The vacant tax amount is 1% of the home’s assessed value. The intention here is to maintain a health real estate market.

Feature image by Binyamin Mellish

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Whether you’re looking to jump into the real estate market or are still thinking about it, there are a few tips that will help you along the way. The BRRRR investment method is used by many investors to grow their real estate portfolio at a faster pace. The acronym stands for Buy, Rehab, Rent, Refinance and Repeat. But how exactly does it work? Here are the tips for you.

Buying

The first step to this investment strategy is to buy a property. Keep in mind that it’s an investment purchase, therefore, you will need at least 20% of the purchase price as a down payment. I strongly suggest to have more than the 20% as there will be other costs associated with this process and it’s always better to be safe than sorry.

When choosing the property to buy, you want to try to buy for as low as possible to increase your margins. This is a critical step. You want to make sure that your purchase price plus all other costs associated with your investment do NOT surpass 75% of the after-repair value. What this means is that after renovating your property, the increased value should be 25% higher than what you originally invested..

Rehab

During the rehab stage, you want to analyze and choose the areas of the home that will increase the rental rates that you can charge and the overall property value. Aim to make the living space functional and only improve the areas that add value. Bathrooms, kitchens, landscaping, roofs and adding extra bedrooms are some improvements that will help your investment.

Rent

Having your property occupied is a must before taking the next step. To determine your rental rates, run comperables in the neighbourhood so that you charge accordingly to the current market. Make sure you screen your tenants thoroughly to try to avoid any issues but also respond to repairs and their needs promptly. Keeping a good relationship with your tenants will increase the chances of them treating the property as their own. Having money aside for repairs, vacancies and emergencies is also highly recommended. Keep track of rental income, operational costs and other expenses associated with your investment.

Refinance

Once your property is fully tenanted, you can then refinance your property and take some of the cash out. Be aware that not all banks offer cash out option when refinancing so do your due diligence. Other questions to ask would be about interest rates and the time period that is required before you can pull your money out. Provide the banks with detailed information of your investment to motivate them into giving you the refinance and help support a higher appraisal value.

See also: 5 Signs To Watch For When Buying Real Estate

Repeat 

The final step of the BRRRR methods allows you to take everything that you have learned through the process and apply that knowledge to do it again. No investment is fail proof, but the BRRRR method continues to help investors and when done correctly, it can build generational wealth. Build a team that knows what your goals are and are like minded people. Try to avoid working with different people all the time. Systems and consistency will allow you to lower your investment risks and help you succeed.

Feature image by Chris Goodwin

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