Contents What is PublishOX How PublishOX Works How do You Sign-Up How Much Will I Make Reading Articles Other Ways To Make Money with PublishOX Everyone enjoys free stuff, right? Well, how about earning free crypto coins by simply reading articles about the industry! Earn iFarm and AMPL tokens for simply reading or sharing posts on the site. That is correct, PublishOX is such a platform. They will pay you to read articles! How is that possible? Simple, they use community generated crypto in a pool that is shared to readers and Authors through a tip system. Continue reading to learn more about how the platform works. What is PublishOX PublishOX is a crypto powered blogging platform. The platform uses crypto to reward both the publishers and the readers. PublishOX wants to create a blogging platform that is driven by true demand, not paid advertising or clever keywording as is the current model. They give the power of distributing crypto from the readers to the publishers and in return the readers also keep a small adjustable portion. How PublishOX Works Currently PublishOX does not have its own token, it allows you to distribute AMPL and iFarm. You can earn Free Crypto Tokens in 3 different ways: Reading articles Becoming an Author Sharing content The platform works on the concept of tipping. If you read a good article that you like, you are granted a small amount of tokens that you can give to the author or split with the author based on a percentage you choose. The other nice feature is that you can see how much articles are earning through tips. It is a nice way to see popular or well written content. Here is an image that explains how PublishOX works: How do You Sign-Up The sign up process is straightforward. Simply create an account and verify your email. Once done you are ready to start reading and earning Crypto. How Much Will I Make Reading Articles Unfortunately you will not be able to replace your primary income reading articles, but over time you can earn some fun money learning about crypto. Each article you read gives you a few cents of crypto to split. Sure, it is not a lot, but it is a free way to earn some interesting crypto. In addition, you gain knowledge from the articles you read. Often, they have good ideas, new investment opportunities, or in general improve your understanding of the crypto world. I often go to the site to find information on coins I have heard about that I don’t understand or to find new ideas, and as a side benefit I am building my collection of AMPL and iFarm tokens. Other Ways To Make Money with PublishOX Aside from reading articles, there are two additional ways you can earn income. First, you can become an author. While most of the site is about Crypto, there are some other topics you can write about. To become an author, create an account, hover over your profile and select become an author. Fill out the required information and they will let you know if you are approved. Since the tip amount is shown on all articles, you can get an idea of what you can make per article if your content is engaging enough to make it to the top. Again, until they get more funding or have a larger audience you are not going to be able to quit your day job. However, good content that is engaging that you may write anyways can earn some money which is more than most sites offer. The last way you can make money is simply by referring people to the content you like. Each tip they send gives you a small percentage. It is a great way to earn a little money by sharing the content you like with your followers or friends. Summary PublisOX is setting out to actually pay readers and content creators. While the amount they pay out is not going to make you rich, it is a pleasant change from most large sites that don’t pay either the reader or creator. I like the content on the site, have learned alot from some of the articles posted, and have started to accumulate some tokens. I see it as a win from all sides since the small amount of tokens is a welcomed bonus for content I would read anyways. The easy signup, the supported promotion, and the content curation is all nice. Overall it is doing what they set out to do and it gives both readers and authors a nice forum to share content.

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Post Contents: Fungible vs Non-Fungible NFTs What does an NFT Represent How is Originality of NFTs kept Can you get rich with NFTs Fungible vs. Non-Fungible NFTs What is all this fungible and non-fungible stuff and why do I care? Understanding NFTs is no different than understanding the difference between a $ – Dollar and a work of ART Let me explain: Non-digital assets are a physical object that represents or holds some value. In some cases, the physical object represents an agreed unit of value, most notably the dollar. For example, every dollar bill is equal based on a governed value which in turn allows it to flow from user to user in exchange for goods or services. Yet other types of objects do not have a defined unit of value. For these types of objects value is determined by demand. For example, two Babe Ruth baseball cards can have two different values even though they are the same card. As a result, these types of objects do not flow freely from user to user. For these objects, a secondary market is required to exchange them or create value. Currency is nothing more than an object with an agreed upon or governed value with every unit being the same. Art is an object with value defined by demand with no two pieces having a like governed value. If you understand the difference between the dollar and something like a baseball card, you now know the difference between fungible and non-fungible tokens. In the digital world, you don’t have a physical object. The object is simply data where some value has been created or defined. Fungible tokens are simply items that have an agreed unit of value (a currency). Non-fungible tokens are simply unique pieces of digital goods that do not have a fixed unit of value. The price of a Non-fungible token is determined by the market demand for that object. Why is this important to understand? Simply put, Non-Fungible tokens are only as valuable as the market sees them. Furthermore, the same Non-Fungible token can have different values. No different than your baseball card collection. What does an NFT Represent Ok, so I understand the technical differences between Fungible and Non-Fungible, but what does an NFT represent. More importantly, why would I buy one? To answer this question we can draw parallels to the physical world. For a physical object, the “original” creation is defined by some set of characteristics that proves authenticity. Similarly, an NFT is nothing more than a stamp of authenticity of a unique piece of digital code. NFT = Authenticity of unique code Often people will say something like an Art Painting gives you a physical object to touch, feel, or present whereas an NFT is a digital picture that you could just have easily got by screen capture or an image download. Well that is half true. Copies exist in both the digital and physical world. For example, go to any poster or art reproduction site and you can get a reproduced painting from most famous art works. The original, however, is the only one that has a demand driven value. Sure, all the subtle differences can not be exactly reproduced for paintings like the Mona Lisa, but if someone did take the time to make an exact replication down to every detail including the frame, material, type of paint, etc. The original would still be priceless while the reproduction would be just expensive. Point is, people place value on knowing something comes directly from the original creator. In the case of NFTs, the original creator is always known. No matter how many copies or digital reproductions from other people there is only some finite number that is attached to the original creator through the block chain. NFT = Record of origin NFTs allow for authenticity and origin, how does that create NFT value? Once you can create a way to authenticate and define the origin of something, it by default creates value. The great thing about NFTs is that they have allowed many individuals and artists to create value from their digital creation. Before NFTs, this was not really possible. The most you could ever expect from your digital creation is from the first price you sold it for or from recurring fees by selling it on a platforms like Shutterstock. Often, digital creations were more of a stepping stone to getting jobs or commissions. A New Market For Digital Art Creators With NFTs, the creator has the ability to distribute limited edition work and earn commissions every time it is sold. NFTs assign originality and scarcity to the digital work. This in turn creates value which can fall and rise just like normal art. How Does an NFT Preserve Originality How does an NFT prove Originality and what about duplicate digital works? Since value is being created by scarcity, it is important that the owner of that work can prove they have an original. Unlike in the physical world where it can often be hard to prove originals and determine quality, the digital world is extremely simple. What makes an NFT is the process of minting the work on a non-centralized block chain. A block chain is basically a public record of a transaction. While the complete process and why it works is a bit complicated, the basic concept is that each original piece is assigned to an address in the public record. When you buy the digital work, the public record updates you as the owner of the attached work and along with all its properties. Here is a site that lets you search public block chain records. Once you have that ownership, you can trade or sell it in a marketplace. What you are buying and selling is the digital work, but more importantly it is the public record of originality that you are using to create value. This image is an example of an NFT being bought...

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The impact of Covid 19 on the US economy is going to have a lasting impact that no one can predict.  Many of us will be required to suspend mortgage payments resulting from hardships. How should you work with your bank to suspend mortgage payments? Article Contents What is the difference between deferring, forbearance, and forgiveness? Who is offering programs to for mortgage payment suspension? How do you qualify for mortgage forbearance and deferring programs? Will the forbearance impact my credit score? Will I be charged late fees during my suspended mortgage payments? Will I be charged interest during my suspended mortgage payments? How to manage short term income for deferred, forbearance, and forgiveness programs  For those that have mortgages and will not be able to pay your monthly mortgage payment, various payment assistance programs have been offered by banks.  In many cases, your states are also stepping in to work with the banks to provide relief. What are those programs and how can you use them?  Most importantly, how should you manage your income if you do qualify for one of those programs? Before you jump in and accept mortgage suspension, make sure to continue reading below for tips and information you need to know. What is the difference between deferring, forbearance, and forgiveness? Understanding what type of program your bank is offering is extremely important as there are major differences in your obligations and impact on your future expenses and credit score.  Every bank is handling this crisis differently and because of that, it can be confusing to understand what you would be getting. The first step is to ask what type of mortgage assistance programs are being offered.  There are typically three different types of assistance programs offered by banks: Defer: Defer assistance programs simply let you suspend your mortgage payments for a set time period determined by the bank.  During that period you will not have to make mortgage payments, however, in most cases, interest will continue to accrue.  Depending on the specific details of your loan and how long you defer your payments, the cost can be minimal to multiple thousands of dollars. Things to consider: Payments at some point will be made up. Can extend the term of your loan by the months you defer. Interest can accrue on deferred payments. Forbearance: Forbearance programs let you suspend your mortgage payments (or some amount of your payment) for a set time period.  At some point, however, you will be required to pay back the payments. These programs can help for a cash crunch but can cause further issues when the money is due. For example: Suspend payment on your mortgage for 3-months (based on what most banks are offering currently for Covid crisis).  In this type of program, you will be able to suspend your payment for 3-months, at the end of 3-months, you will be required to pay back the missed payments. Point to consider: Given that the current crises, forbearance programs may not actually help all that much since it would be unlikely for most people to save the three months of suspended payments if they have no income. Until you repay the missed payments, further interest will continue to accrue. If you can not pay back the missed payments, it may impact your credit rating and/or be assessed late fees. Given the nature of the current crises, it seems that banks will have to consider these problems and offer some form of extension, forgiveness, or mortgage payment suspension.  If you take a forbearance program, unless you can repay the amounts due per the terms of your program, you will probably have to make a second phone call and enroll in a debt assistance program your bank may be offering. Other forbearance program types: Payments paused and due 1-year after the end of the period. Payments paused and due at the end of the mortgage. Payments paused and you continue to pay interest on them until you pay them back before the end of the mortgage. Most forbearance programs follow the same formula, suspend payments (or portion of) and payback those amounts over some defined period. Forgiveness:  Forgiveness programs come in many different shapes and sizes.  They can range from simply forgiving some payments to forgiving balances on the mortgage.   During the housing crisis, there were many loan forgiveness programs that helped people either reduce their principle, their interest, or loan type to make payments fit their budget.  Forgiveness programs often require an application from the mortgage holder to enter a debt program the bank is offering by documenting the loss of income or other hardships.  Once approved, a bank representative will typically work your case and present options. Things to consider: Debt or payment forgiveness can impact your credit score. It may not be possible to refinance in the future. You may owe taxes on the debt that was forgiven. How do you qualify for mortgage forbearance and deferring programs? Qualifying for any of the programs currently being offered requires you to contact your bank.  Since customer support lines have been impacted from the covid 19 outbreak, many banks offer online forms for the standard programs they offer.   Your first step is to understand the program being offered and make sure you know how to apply.  Once done, then you should attempt to call the bank and confirm your understanding and then follow the steps to enroll if you agree with the terms of the programs. Who is offering programs for mortgage payment suspension? Many of the banks are offering help with mortgage payment suspension.  The programs being offered are vastly different from bank to bank, but most are offering some type of payment suspension for 60-90 days.  Here are some links to the big banks that are offering to enroll or apply to their programs: Bank Assistance Program Other Info Banks of America Bank of America Forbearance Chase Bank Chase Forbearance Union Bank Union Bank Home Assistance Citi Bank Home...

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