Car Inspection (Puspakom)


Puspakom is a Malaysian body in charge of performing inspection services. Incorporated in 1994, the body is a wholly owned subsidiary of DRB-HICOM, and is Malaysia’s first and only comprehensive national vehicle inspection company authorized by the Malaysian Government. Their inspection basically serves to determine vehicle compliance with regard to the Construction and Use Rule 1959, and also roadworthiness status of the vehicle prior to registration with the Road Transport Department, or before transfer of ownership for commercial vehicles, such as when a car is sold out or transferred to another person.

Basically, the main sort of service that Puspakom Malaysia provides is a 10-step vehicle inspection process which includes engine and chassis number identification check, above carriage check for defects, particle density check via emission test, brake efficiency test, side-slip test to check for lateral movement, suspension system check, speedometer accuracy test, headlight test for intensity and projection, undercarriage check and tinted glass check.

By regular inspection of your car or vehicle, any mechanical problems that may jeopardize your vehicle’s roadworthiness will be caught in time and will be able to be nipped in the bud, before it becomes a more serious issue which might endanger you or your family. This regular inspection also will make sure vehicles do not pollute the environment by emitting excessive amounts of emissions and noxious gases, as well as ensure the legality of your vehicle in all aspects under the Road Transport Act 1987. This comprehensive and thorough inspection will put your mind at ease and give you a greater sense of confidence that your vehicle is functioning in optimal condition.

With Puspakom Malaysiayou can be assured that you are getting a fair and unbiased inspection of your car as it is a government regulated body, and also because they have nothing to gain or lose by giving you a straight forward evaluation of your vehicle, as compared to untrustworthy mechanics or workshops who might exaggerate minor issues in order to convince you to perform repairs. Fees are standardized based on the type of vehicle, and is also fairly reasonable, ranging from RM80 to RM160 only. So far, customer reviews have been mostly positive. Puspakom is based in the DRB-HICOM headquarters in Shah Alam and has 6 regional offices in Malaysia, covering the Northern, Southern, Central and Eastern regions of Malaysia, as well as Sabah and Sarawak. It has inspection offices all over Malaysia, with a minimum of one in each state.

Therefore, you now know that before you can enjoy your ride after buying it from sites such as Carlist.my, you and our vehicle would first have to head on over to Puspakom.

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Top 5 Places to Buy Gold and Silver Online


When buying gold and silver as a hedge against inflation, it’s important to know the top gold and silver dealers online. In order to avoid getting ripped off, take my advice on these gold and silver dealers because I have dealt with most of them.

It is extremely important to note that when buying gold and silver as an investment, you only buy for the metal content. You do not want to purchase numismatic or rare coins because many of them carry a high premium over the spot price.

Since you are an investor of gold and silver, you will want to get as much metal as possible for the lowest price. A good thing to remember is to only buy bullion or gold and silver bullion coins.

Many coin dealers will try to sell you the rare and graded coins because they make huge premiums over the spot price. To avoid getting ripped off like I have been, buy only bullion coins and bars.

Now let’s talk about the top places to buy gold and silver online.

Monex

Monex has one of the nicest and user friendliest websites for gold and silver. They have very descriptive videos of each metal you may be investing in. Monex really goes out of their way to be informational about the products you are buying. Monex has a good selection of metals to pick from, but their inventory of bullion is a little lacking. Monex does give a list price of each item they sell.

The prices at Monex are a little higher than other places, but they score a 10 on their website design. Overall, Monex is worth the time to check out, at least if it’s only to take a look at the videos. You will learn a lot from the website alone, and you might just decide to go with Monex as your gold and silver dealer online.

eBay

eBay.com is a great place to buy your precious metals from. eBay has a huge marketplace for not only gold and silver, but practically anything you want to buy. The best thing about buying gold and silver coins on eBay is the gigantic selection.

You can find cheap deals if you shop around, and sometimes you can get silver coins for under spot price on eBay. I do use eBay to buy gold and silver, but for the most part their prices are a little more than I like to pay, unless you find a rare deal. Many times you can get free shipping on gold and silver coins if you choose the right seller.

Overall, eBay rates as a safe and viable choice to buy your gold and silver coins and bullion.

Bullion Direct

I have heard some good feedback about Bullion Direct, but I have never bought from them personally. Bullion direct has a descent inventory of metals, but their website is not as user friendly as Apmex or Monex.

You can direct your money into a Bullion Direct self directed IRA, but their prices on coins like the American Silver Eagle don’t hold up against the Apmex prices. If you have an IRA with an approved IRA custodian, you can invest your tax-deferred funds into gold and silver coins and bullion.

You will actually hold the physical metals, but they will be either stored in Bullion Direct’s vault or a company of their choosing to store your metals. An IRA through Bullion Direct is not a bad idea. It’s not a bad idea to buy physical metals from Bullion Direct, but there are other alternatives that might be more beneficial to your wallet.

Goldline

Goldline has a nice website and some good inventory to choose from. Goldline’s shipping and customer service ranks high in my opinion so it’s a good place to start. Goldline, like Bullion Direct, offers a precious metals IRA.

The only problem I see is that they do not quote the prices on their website. Unlike Apmex or Bullion direct, their prices are hidden and it says „call to order“. Glenn Beck from Fox News is a Goldline proponent and he advertises for them on his commercials sometimes. I like the fact that a familiar face is promoting the business because it makes me feel good about buying from them.

I seem to have gotten a good deal when buying from Goldline, but I’m just not crazy about the hidden price. Overall, I think Goldline is a stand up company and a good place to do business. You may want to call and get some price quotes before you commit to buying though.

Apmex

Apmex.com is by far my favorite place to purchase gold coins, silver coins, silver bullion, gold bullion, American gold eagles, and American Silver Eagles. Apmex has a large inventory of gold, silver, platinum, palladium, rare currencies, and precious metals IRA’s.

Apmex has great prices, the cheapest I have found, and they ship within a week usually. Apmex is constantly having sales and marked down items. Apmex also has great packaging of your product. They go over and above to make sure your items. Don’t get banged around.

Overall, Apmex has great price, super shipping, great discounts, and good customer service. I give Apmex.com an A+++.

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Iphone 4G Vs Nexus One


The smart phone market has been exploding in the past year or so. Every cell phone carrier has worked to produce and market the greatest and best phone with the features that can compare and beat every other carrier in the market. Apple’s iPhone has been one of the leaders in the market but competition is hot while new phones are being released every month. One of the iPhone’s direct competitors is the Nexus One. Let’s see how their features compare to see which one of these is overall a  better phone.

The Nexus One is a smart phone much like the iPhone but is a Google product. The hardware of it seems superior to the iPhone but at the same time how often do the users care about the internal specifications as long as it performs what it needs to do? The truth is not too often. People want to see results and they want sleek, shiny, and workable. The Nexus One has a lot to live up to if it plans to rival the 4G and honestly, I don’t think it’s possible.

Let’s start with the screen resolution. Everyone knows that bigger is better because it fits more. The Nexus One boasts a screen resolution of 800×480 while the new iPhone is going to be 960×640, a decent increase.

The processor of the new iPhone is yet another notable point. Many sources say that the A4 system processor will be implemented into the iPhone. For those who are unfamiliar, the iPad also has the same processor type and family. On the contrary, the Nexus One has a 1ghz qualcom QSD snapdragon.

The cost of ownership between the two is where the Nexus One comes out ahead. AT&T has been frequently criticized for the data plan that is required with the iPhone. It is estimated that an iPhone will cost roughly $3,167 during its lifetime while the Nexus One is several hundred dollars cheaper at $2,707.

The Nexus One also has a superior battery life because it is a 3.7V 1400mAh while the iPhone has been previously a 1219mAh leaving a difference of about 2 hours in battery life more with the Nexus. The 4G has been claimed to fix this problem though but most of it is purely speculation. It has been one of the greatest flaws in the iPhone series though.

One of the greatest flaws of the Nexus is for repair. They do not have their own parts supply chain so if something does happen to break HTC has to repair it after you mail it in which can be quite costly while Apple stores can remedy iPhone problems directly on the spot when you walk into one. This is a big difference for people who want instant gratification.

For now though only time can tell anything. Apple likes to keep things under wraps and every specification that has been released is speculation by the analysts who have been anxiously waiting to see just what the new iPhone is going to bring to the market. It has some tough competition though.

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Is it Possible to Make Money Playing Xbox 360 Video Games at Home?


It is possible to earn money with the Xbox 360 console. You can make money from your home using your console. Many gamers are already earning a lot of money from their home. You can do it too.

There are already millions of Xbox gamers worldwide. Millions of gaming consoles are being sold every year and many more millions of gaming discs are sold at various outlets worldwide. It’s an an easy of getting some serious money from the comfort of your home. It’s very easy and every ordinary person can do it. There is no selling required so an average person will not have a problem using the method.

There is no selling involved. Many people would ask you to go to eBay and start selling some Microsoft games to earn profits. Let me tell you that there are already hundreds of sellers at eBay offering very cheap stuff imported directly from Asia. Selling things at eBay is very difficult now. What you need is a different method you can use. It should not be saturated and there should be enough room for more people to benefit from that method.

The market catering to the Xbox 360 gamers is huge. There are many opportunities to make money with your Xbox 360 console. Even as there are many people already taking advantage of this method, there is still enough room for more persons to use this to create a consistent income.

Some ideas are On Here about how you can make some serious money with the Xbox 360 gaming console:

1. You can test the games but you need to know how to do that and where to get the game testing assignments.
2. You can also do game previews but you can not do well if you do not know the proper methods and are not aware of all the steps required to successfully do the game previews.
3. You can write guides for various games. There are a lot of other ideas.

The amount you can possibly earn is huge. Check out the guide below to find out the exact step by step details using which you can make thousands of dollars every month with your Xbox 360 console.

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The Difference Between Self Esteem and Ego


There’s a lot of talk about „self esteem“, how to have it, what it is, what it means. However, what passes for self esteem is often simply ego. That might seem a perplexing statement. First let’s get a little clarity on what healthy self esteem is. It is a balanced and unexaggerated self respect and self love. It combines a healthy regard for the self with a healthy regard for others. Healthy self esteem esteems others as equally as the self. Others are treated and regarded as respectfully as the self.

Ego, on the other hand, always believes in its own self importance above the importance of others. Ego always requires outside approval, validation, and constant attention and gratification. Ego believes in its own superiority above all others. Some versions of ego insist on inferiority as a role. Both inferiority and superiority are lies though, and variations of the same theme — of feeling „less than“ others. Here are some ways to recognize ego and distinguish it from self esteem:

1.) It’s ego when we are condescending, rude or disrespectful of wait staff, retail clerks, parking valets, or anyone we imagine is „less important“ than us. Those with healthy self esteem are respectful to all they come into contact with.

2.) It’s ego when we use anger to manipulate others, get our way, or attempt to communicate our supposed superiority. Those with healthy self esteem have healthy boundaries and desire to communicate respectfully and non-manipulatively.

3.) Ego is about the one note song, „mi, mi, mi“. When we talk incessantly about ourselves and show no interest in others that comes from ego. A person with healthy self esteem does not need to be the center of attention at all times. Healthy self esteem is more frequently expressed by showing genuine interest in others, and making sure conversation flows among all participants.

4.) When we are expressing ego, we are spectacularly lacking in compassion. We judge harshly, show no empathy, and find fault easily. When we are expressing healthy self esteem, we are able to be compassionate without being codependent (unable to set healthy boundaries, „people pleaser“). We are able to understand the viewpoints of others and have a genuine interest in them.

5.) When we are being egotistical, we believe we know everything about everything and that we are right about everything we „know“. We believe that the opinions of others are „stupid“, ill-advised and just plain wrong. When we are coming from healthy self esteem, we are willing to hear the opinions of others and we’re able to entertain the notion that their opinion is their opinion and we don’t have to agree. Both people can be right (and OK).

6.) When we are coming from ego, we are unwilling to pay the least attention to the interests of others. We single mindedly expect everyone to share our interests, but don’t reciprocate. When we have healthy self esteem, we are curious about the interests of others. Even if we don’t want to actually share the interest, we want to share their delight in their interest.

7.) Impatience is frequently a sign we are expressing from ego. Often, it derives from feeling self important and that the world owes us attention (or priority) whenever we want it. Sometimes our impatience is actually the result of our own failures such as not leaving in enough time to get somewhere and being highly impatient in traffic. When we’re coming from healthy self esteem, we have highly developed patience and we live our lives strategically enough that we don’t waste our time in situations that require extreme patience.

There is a huge difference between ego and healthy self esteem. The most significant thing is that when we are coming from ego, it is obvious to everyone but us!

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Microsoft Dynamics ERP Selection – GP, AX, NAV, SL and CRM


Microsoft Dynamics ERP has four products GP, NAV, AX and SL. It has separate solution for CRM known as Microsoft Dynamics CRM. In these Microsoft Dynamics products one may come across serious over lapping of solutions and it is really hard to find the realistic logic behind four products with almost similar solutions.

Microsoft AX was previously known as Axapta till Microsoft took over it and released the version with the name of Microsoft Dynamics AX. This ERP solution is focused towards companies having several divisions and doing business across locations where compliance of business processes and best practices is a must. Microsoft AX can be easily customized to adapt for business processes and is cost effective along with this it comes with features to automate and provide solutions for finance, human resource, sales, web stores, supply chain management, warehouses, distribution, balanced scorecards, knowledge management and business analytics. As it has been upgraded and designed to work at distant locations it supports multi lingual and multi currency functions.

Microsoft GP previously known as great plains, is an adaptable ERP solution for changing market and business requirements. It is primarily focused towards mid size companies and divisions of larger enterprises. It is capable of connecting business processes across the organization and supporting unique business processes. It also comes with strong and adaptable applications for finance, supply chain management, human resource, manufacturing, distribution and project accounting. Integration capabilities with in the application and other applications are immense in Microsoft Dynamics GP, it uses biztalk server, com. MSMQ and web services for high speed, flexible and safe data incorporation and integration from any source.

Microsoft Dynamics NAV comes with strong financial features and helps small and midsize companies to streamline specialized and industry specific business processes. It is easy to use and adapt, it comes with add on tools and NAV utilities which help programmers and database administrators to customize it with convenience and quickly according to the clients needs. Microsoft NAV comes with complete functionality for finance, SCM, CRM, service, distribution and e-commerce. It also provide the feature of role tailored or role center where screens are customized by removing irrelevant fields and information to make it easier to understand, work and comply with company policies and practices.

Microsoft Dynamics SL previously Solomon is mainly focused on project based and distribution centric enterprises. Its project accounting and project management feature help project based companies to manage their on premise projects separately and projects at different locations. Project management option of SL provides facilities of material planning, job cost, material management to lower cost, service call and handle complex jobs with out project delays to improve customer satisfaction. For distribution based companies it provides features to reduce over and under inventory, reduce distribution cost by transport management and streamlining of processes.

Microsoft Dynamics CRM comes with solutions for sales, customer service and marketing. Along with features like leads, opportunity, pipeline management it allows its data to be accessed by the sales team from any web enabled device in real time and analyze it, with in built reports for better decisions. It helps in designing work flows to avoid redundancy, plan and analyze customer data for better services and sales calls. Tracking and importing of data from other sources is easy. Over all this is complete CRM solution for any company.

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IRS Payment Plans – How They Work


If you owe debt to the IRS and can not pay in full a payment plan or IRS installment agreement may be negotiated. While this may be a good option for you to avoid wage garnishment, tax levies, etc., generally the faster you pay off the debt the less fees and penalties you will be subjected to. Interest on these plans is usually 8% to 10% per year. If you owe $ 25,000 or less, you should be able to get an installment plan for 60 months, no questions asked. If you owe more than $ 25,000, you will have to negotiate with the IRS to get an installment plan.

Negotiating an Installment Agreement With the IRS

If you do Owe more than $ 25,000 the negotiating will begin with an IRS collector analyzing your Collection Information Statement on Form 433-A. This form will be used to determine the amount you are eligible to pay. When you fill out the form you should never agree to pay more than you can afford just to get your plan approved. When negotiating, you should offer to pay the amount of your income minus your necessary living expenses. If the IRS approves an installment agreement, it may take several months to notify you, but it is a good idea to send a first payment (and 2nd and 3rd and so on) until the IRS notifies you of its decision. If your offer was refused, the payments will still go to your unsettled tax debt.

If the IRS did refuse your offer, it is probably because they do not consider all of your living expenses necessary. Not that you should give up everything, but try and be a little flexible here. Also, if the information you provided on form 433-A was inaccurate or you failed on a different installment agreement you may also be refused your payment plan. If your first offer was rejected, for whatever reason, you may continue to negotiate. The amount you offer is up to you, but be realistic. If you get the installment plan approved there are a few things that can have it revoked such as:

  • You fail to file your tax returns
  • You miss a payment (if you do miss a payment you should notify the IRS ASAP)
  • It is discovered that your installment agreement was filed under false pretenses

IRS Fees Associated With IRS Agreement Plans

The user fee for new installment agreements is $ 105 and $ 52 for agreements where payments are deducted directly from your bank account. Taxpayers with income at or below established levels, can apply for a reduced fee of $ 43. Information about requesting the reduced user fee will be included in installment agreement acceptance letter sent to individuals.

There is also a user fee of $ 45 for reinstating defaulted agreements or restructuring existing agreements. If you already have an approved installment agreement from a previous tax debt and your financial situation has changed, we may be able to modify or restructure your installment agreement to include additional amounts owed into one agreement.

Professional Help With IRS Payment Plans

If you do not feel comfortable negotiating a debt payment plan with the IRS or are not ’sure if it is the best option for you you should contact a tax lawyer who has experience dealing with IRS. A lawyer with this experience can be helpful in the regard of knowing exactly what steps you should take because of your individual situation. They may be able to help you avoid a great deal of hassle and may help avoid additional fines and interest, or even such penalties that you may not be obligated to serve in the first place.

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The History Microsoft Dynamics ERP


In September 2005, Microsoft renamed and integrated its ERP products – Great Plains became Microsoft Dynamics GP, Navision is renamed as Microsoft Dynamics NAV, Axapta became Microsoft Dynamics AX, Solomon is now tagged as Microsoft Dynamics SL and Microsoft CRM is now known as Microsoft Dynamics CRM. The idea is to unify all future products under the Microsoft Dynamics name.

In getting all the MRP system merged into a unified name, there are some applications that should be taken as base and there are some that needs to be phased out. To be able to identify which is which, here is some basic information on some of the Microsoft ERP applications.

• Version 3.0 of Microsoft Dynamics CRM is one of the most abreast application with regards to other Microsoft innovations such as the Active Directory, XML Web Services, MS Exchange and MS CRM SDK. Recent development has MS CRM 1.2 and 3.0 integrated with Microsoft Dynamics Great Plains 7.5 and 8.0.

• Project driven organizations will be better off if they use Microsoft Dynamics SL or Microsoft Dynamics Solomon. This ERP is modeled for such organizations and no competitor comes close yet compared to this application.

• Microsoft Business Solutions or Microsoft Dynamics Great Plains bought the Navision Software around the year 1984. The fundamental idea of Navision is in its database proprietary platform, C/SIDE. Before the Navision software was purchased by Microsoft, it has its own design, work plan and marketing strategies that became successful in both American and European markets. Navision is flexible enough to work with any business whether it is intended for small to upper mid-market. When Microsoft bought Navision, they started offering it in Eastern Europe and even in Brazil where it is said to have over a hundred implementations as of 2005.

• Microsoft Dynamics Great Plains today is a far cry from its original platform. Versions 5.5 to 7.5 are already available for Ctree and Pervasive database platforms. Version 8.0 is now available on MS SQL Server. The Microsoft Dynamics Great Plains is offered mainly in English speaking countries such as the USA, Latin America, Canada, UK, Australia, New Zealand South East Asia and some parts of South Africa.

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A Guide To Microsoft Dynamics NAV


Microsoft Dynamics NAV is an ERP (or „enterprise resource planning“) system that is easy to use, can be integrated into any business or organization, and uses hi-tech features to help you efficiently run your business. No matter what industry you are in, you can use Microsoft Dynamics NAV to bring advanced functionality and efficiency to your organization and employees. All of the functions of the office are combined into a single, effective program that looks and works not unlike Microsoft Windows and Office. From start to finish, it is a snap to get it set up and running. Every function your business needs is right here, including sales, marketing, supply chain management, human resources, services management, financial, manufacturing, project management, and the like. Your employees have the tools they need to make your company succeed. This program allows for real-time data on a variety of important business activities. It has tools for both analysis and reporting, online analytical tools, web-based data delivery and is able to generate graphical displays. This means no more working on hunches and guesses, your employees will be able to make confident decisions more quickly based on precise data analysis that will move your business forward at a fever pitch. Microsoft Dynamics NAV is an open program that will allow Microsoft to continually tweak and update the core to meet the needs of businesses. With its compact source code system maintenance is both easy and efficient, and there is little trouble connecting Dynamics NAV to other systems. Advanced security options also ensure that you can control which levels of employees can access which functions. Microsoft Dynamics NAV is also easily customized to your needs. For example, it features a Role Tailored User Experience that brings the features you use most to the forefront while hiding 90% of the features that do not see regular use. This keeps the system simple and uncluttered, increasing productivity. It also allows you to optimize your tasks, and leaves your window open for upcoming task overviews. There are already one million people using Microsoft Dynamics NAV, and that number is growing. This is a highly customizable, flexible and easily integrate program that can help your business grow faster than you imagined. You will not have to interrupt IT operations for days to adopt this system and it also will not stretch (or break) your IT budget. You can easily integrate this system in the hardware you already use, and your employees can easily learn it.

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The Future of Financial Services


The ease of making financial transactions and financial services in general, had first been revolutionised when telegraph companies introduced wire transfers. But with the coming of new age financial services like Bitcoin and Ripple, it is the time we address the question of what the future holds for the financial services of the world.

Traditional Wire Transfers

Let us begin by first taking a look at how things have been going on for these past 150 years since wire transfers were first introduced. Transferring funds using a wire transfer method via a bank is not a single step process but a multi-step process. It is like this:

  • The sender approaches his or her bank and orders the transfer of funds to an account. Unique codes like BIC and IBAN codes are provided to the bank by the sender so that the bank knows exactly where the funds need to be transferred.
  • The sender’s bank contacts the receiver’s bank by sending a message through a security system, such as Fedwire or SWIFT, signalling it that a transfer needs to be made. The receiver’s bank receives this message, which includes settlement instructions as well, and then asks the sender’s bank to transfer the amount specified in the message.
  • The sender’s bank now transfers the amount. This is not done in one go but bit by bit, so it can take anywhere from a few hours to a couple of days for the entire sum to be transferred.
  • To make the transfer, the two banks must have a reciprocal account with one another. If that is not the case, the transfer is made through a correspondent bank that holds such an account.

As one can see, this form of transfer relies overly on a mediator, takes more time than it should, and can prove to be costly as the banks charge some fee for their service. Distributed currencies like Bitcoin provide a viable alternative to this process.

Decentralized Currencies

What sets services like Bitcoin apart from traditional services is that they do not rely on a central mediator but rather operate using cryptographic protocols. The process is therefore faster, simpler, and much more efficient. The system is quite transparent to both end users as well while traditional systems are susceptible to fraud due to the complex process involved.

However, there is a downside to this too. With services like Bitcoin, it is simple to trace a transaction back to each unit value’s creation.

Solution? A Common Ground

More and more people are opting for services like Bitcoin and peer-to-peer mobile transfers, where a network operator could help users transfer funds by simply sending an SMS. Although these are indeed more efficient, they are a long way from global acceptance because there are many who still do not have bank accounts, plus there is the issue of limited user identification in such services.

What would be ideal for everyone is if banks could tap into the potential of decentralized currencies and overlap the source code of services like Ripple on their existing system to form a hybrid of the two. It would kill two birds with one stone as:

  1. Decentralized currency systems provide more efficient transfers
  2. Bank systems ensure only registered users access the service, taking away the possibility of foul play.

Conclusion

The world has come a long way since the last time an indigenous financial service system was introduced. There is definitely a crying need to improve this traditional service and decentralized currencies like Bitcoin have shown them the way.

Although these are two different services and proper cyber security measures with their own shortcomings, if they were to be applied together, they could fit each other’s gaps perfectly, making for a system that revolutionizes the financial service system again.

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