All You Need to Know About Bitcoin’s Rise, From $0.01 to ...

For the Newbies that would like to start legal businesses around bitcoin. This is a primer on the bitcoin fight in New York State. Sometimes in July the result of the first appellate division will be another loss but it need to go all the way to the New York Highest Court.

For the Newbies that would like to start legal businesses around bitcoin. This is a primer on the bitcoin fight in New York State. Sometimes in July the result of the first appellate division will be another loss but it need to go all the way to the New York Highest Court. submitted by theochino to Bitcoin [link] [comments]

04-07 09:52 - 'For the Newbies that would like to start legal businesses around bitcoin. This is a primer on the bitcoin fight in New York State. Sometimes in July the result of the first appellate division will be another loss...' (youtu.be) by /u/theochino removed from /r/Bitcoin within 975-985min

For the Newbies that would like to start legal businesses around bitcoin. This is a primer on the bitcoin fight in New York State. Sometimes in July the result of the first appellate division will be another loss but it need to go all the way to the New York Highest Court.
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Author: theochino
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For the Newbies that would like to start legal businesses around bitcoin. This is a primer on the bitcoin fight in New York State. Sometimes in July the result of the first appellate division will be another loss but it need to go all the way to the New York Highest Court.

For the Newbies that would like to start legal businesses around bitcoin. This is a primer on the bitcoin fight in New York State. Sometimes in July the result of the first appellate division will be another loss but it need to go all the way to the New York Highest Court. submitted by cryptoallbot to cryptoall [link] [comments]

For the Newbies that would like to start legal businesses around bitcoin. This is a primer on the bitcoin fight in New York State. Sometimes in July the result of the first appellate division will be another loss but it need to go all the way to the New York Highest Court.

For the Newbies that would like to start legal businesses around bitcoin. This is a primer on the bitcoin fight in New York State. Sometimes in July the result of the first appellate division will be another loss but it need to go all the way to the New York Highest Court. submitted by ABitcoinAllBot to BitcoinAll [link] [comments]

A Business Primer on the Bitcoin Ecosystem

submitted by sgornick to Bitcoin [link] [comments]

Bitcoin Foundation Releases a Primer on Jurisdictions for BTC Businesses

Bitcoin Foundation Releases a Primer on Jurisdictions for BTC Businesses submitted by voyagerdoge to DogeNews [link] [comments]

This Thursday - Bitcoin primer for business and media - Bitcoin Vancouver

This Thursday - Bitcoin primer for business and media - Bitcoin Vancouver submitted by ThePiachu to BitcoinCA [link] [comments]

Bitcoin Foundation Releases a Primer on Jurisdictions for BTC Businesses

Bitcoin Foundation Releases a Primer on Jurisdictions for BTC Businesses submitted by MuchBitcoin to MuchBitcoin [link] [comments]

Mega eTextbooks release thread (part-28)! Find your textbooks here between $5-$25 :)

Please find the list below:
  1. Disease Gene Identification: Methods and Protocols, 2nd Edition: Johanna K. DiStefano
  2. Statistical Aspects of the Microbiological Examination of Foods, 3rd Edition: Basil Jarvis
  3. Revel for Social Problems, 14th Edition: Stanley Eitzen & Maxine Baca Zinn & Kelly Ei Smith
  4. Fundamentals of Human Resource Management: Pearson New International Edition, 3rd Edition: Gary Dessler
  5. Economics Today: The Micro View, 18th Edition: Roger LeRoy Miller
  6. Employment Law for Business, 8th Edition: Dawn Bennett-Alexander & Laura Hartman
  7. Surgical Exposures in Orthopaedics: The Anatomic Approach, 5th Edition: Stanley Hoppenfeld & Piet de Boer & Richard Buckley
  8. Project Management in Construction, 7th Edition: Sidney Levy
  9. Financial and Managerial Accounting, 7th Edition: John Wild & Ken Shaw & Barbara Chiappetta
  10. Handbook of Plant Disease Identification and Management, 1st Edition: Balaji Aglave
  11. Ubuntu Unleashed 2019 Edition: Covering 18.04, 18.10, 19.04, 13th Edition: Matthew Helmke
  12. Handbook of Insulin Therapies, 1st Edition: Winston Crasto & Janet Jarvis & Melanie J. Davies
  13. Python for Programmers: with Big Data and Artificial Intelligence Case Studies, 1st Edition: Paul J. Deitel & Harvey Deitel
  14. Medical Ethics: Accounts of Ground-Breaking Cases, 7th Edition: Gregory Pence
  15. Human Resource Management, 13th Edition: Gary Dessler
  16. The Biology and Therapeutic Application of Mesenchymal Cells, 2 Volume Set, 1st Edition: Kerry Atkinson
  17. Computer Security Fundamentals, 3rd Edition: William Chuck Easttom
  18. Hendee's Radiation Therapy Physics, 4th Edition: Todd Pawlicki & Daniel J. Scanderbeg & George Starkschall
  19. Nutrient Delivery, 1st Edition: Alexandru Grumezescu
  20. Technology Entrepreneurship: Taking Innovation to the Marketplace, 2nd Edition: Thomas N. Duening & Robert A. Hisrich & Michael A. Lechter
  21. Chemistry of Metalloproteins: Problems and Solutions in Bioinorganic Chemistry, 1st Edition: Joseph J. Stephanos & Anthony W. Addison
  22. Mathematical Statistics with Applications in R, 2nd Edition: Kandethody M. Ramachandran & Chris P. Tsokos
  23. Diagnostic Imaging: Genitourinary, 3rd Edition: Mitchell E. Tublin
  24. Comprehensive Management of Arteriovenous Malformations of the Brain and Spine, 1st Edition: Robert F. Spetzler & Douglas S. Kondziolka & Randall T. Higashida & M. Yashar S. Kalani
  25. Digital Design: With an Introduction to the Verilog HDL, 5th Edition: M. Morris R. Mano & Michael D. Ciletti
  26. Plasmids: Biology and Impact in Biotechnology and Discovery, 1st Edition: Marcelo E. Tolmasky & Juan C. Alonso
  27. Consumer Behavior: Buying, Having, and Being, Global Edition, 12th Edition: Michael R. Solomon
  28. Project Management Case Studies, 5th Edition: Harold Kerzner
  29. Medical Phisiology: Principles for Clinical Medicine, 4th Edition: Rodney A. Rhoades & David R. Bell
  30. Essentials of Contemporary Management, 7th Edition: Gareth Jones & Jennifer George
  31. Harmony and Voice Leading, 4th Edition: Thomas E. Benjamin & Michael Horvit & Robert S. Nelson
  32. Principles of Economics, 2nd Edition: Lee Coppock & Dirk Mateer
  33. Oral Microbiology and Immunology, 2nd Edition: Richard J. Lamont & George N. Hajishengallis & Howard F. Jenkinson
  34. Magnetic Resonance Imaging of the Brain and Spine, 5th Edition: Scott W. Atlas
  35. Accounting Information Systems: Controls and Processes, 3rd Edition: Leslie Turner & Andrea B. Weickgenannt & Mary Kay Copeland
  36. Strategic Corporate Social Responsibility: Sustainable Value Creation, 5th Edition: David Chandler
  37. Julien's Primer of Drug Action: A Comprehensive Guide to the Actions, Uses, and Side Effects of Psychoactive Drugs, 14th Edition: Claire D. Advokat & Joseph Comaty & Robert Julien
  38. The Grand Chessboard: American Primacy And Its Geostrategic Imperatives, 1st Edition: Zbigniew Brzezinski
  39. The Cosmic Perspective: The Solar System, 8th Edition: Jeffrey O. Bennett & Megan O. Donahue & Nicholas Schneider & Mark Voit
  40. Ultrastructure Atlas of Human Tissues, 1st Edition: Fred Hossler
  41. Advances in the Biology and Management of Modern Bed Bugs, 1st Edition: Stephen L. Doggett & Dini M. Miller & Chow-Yang Lee
  42. Patterns of World History: Volume One: To 1600, 1st Edition: Peter von Sivers & Charles A. Desnoyers & George B. Stow
  43. Genitourinary Imaging: A Core Review, 1st Edition: Matthew Davenport
  44. Evidence-based Obstetrics and Gynecology, 1st Edition: Errol R. Norwitz & Carolyn M. Zelop & David A. Miller & David L. Keefe
  45. Zoology, 10th Edition: Stephen Miller & John Harley
  46. Radical and Reconstructive Gynecologic Cancer Surgery, 1st Edition: Robert Bristow & Dennis Chi
  47. Davis's Diseases & Disorders A Nursing Therapeutics Manual, 6th Edition: Marilyn Sawyer Sommers
  48. Management & Cost Accounting, 6th Edition: Alnoor Bhimani
  49. Elements of Modern Algebra, 8th Edition: Linda Gilbert
  50. Psychiatric & Mental Health Nursing, 4th Edition: Katie Evans & Debra Nizette & Anthony O'Brien
  51. Molecular Biology: Different Facets, 1st Edition: Anjali Priyadarshini & Prerna Pandey
  52. Elementary Number Theory, 7th Edition: David Burton
  53. Accounting Information Systems, 14th Edition: Marshall B. Romney & Paul J. Steinbart
  54. Microeconomics, Global Edition, 9th Edition: Robert Pindyck & Daniel Rubinfeld
  55. Psychiatric and Mental Health Nursing Demystified, 1st Edition: Jim Keogh
  56. Entrepreneurship, 10th Edition: Robert Hisrich & Michael Peters & Dean Shepherd
  57. Ganong's Review of Medical Physiology, 26th Edition: Kim E. Barrett & Susan M. Barman & Jason Yuan & Heddwen L. Brooks
  58. Textbook of Obstetrics and Gynaecology: A life course approach, 1st Edition: Eric A.P. Steegers & Bart C.J.M. Fauser & Carina G.J.M. Hilders
  59. Engineering Mechanics: Statics, 8th Edition: James L. Meriam & L. G. Kraige & J. N. Bolton
  60. Basic Concepts of Psychiatric-Mental Health Nursing, 8th Edition: Louise Rebraca Shives
  61. Beckmann and Ling's Obstetrics and Gynecology, 8th Edition: Robert Casanova
  62. Biology: Concepts and Applications, 10th Edition: Cecie Starr & Christine Evers & Lisa Starr
  63. Estimating in Building Construction, 9th Edition: Steven J. Peterson & Frank R. Dagostino
  64. The Big Back Book: Tips & Tricks for Therapists, 1st Edition: Jane Johnson
  65. University Physics with Modern Physics, 14th Edition: Hugh D. Young & Roger A. Freedman
  66. Poisoning and Drug Overdose, 7th Edition: Kent Olson & Ilene Anderson & Neal Benowitz & Paul Blanc
  67. Koneman's Color Atlas and Textbook of Diagnostic Microbiology, 7th Edition: Gary W. Procop
  68. Experimental Psychology, 7th Edition: Anne Myers & Christine H. Hansen
  69. Marketing: An Introduction, 13th Edition: Gary Armstrong & Philip Kotler
  70. Gray's Anatomy for Students: With Student Consult, 3rd Edition: Richard Drake & A. Wayne Vogl & Adam W. M. Mitchell
  71. Chestnut's Obstetric Anesthesia: Principles and Practice, 5th Edition: David H. Chestnut & Cynthia A Wong & Lawrence C Tsen & Warwick D Ngan Kee & Yaakov Beilin & Jill Mhyre
  72. Chemistry: The Molecular Science, 5th Edition: John W. Moore & Conrad L. Stanitski
  73. Head, Neck and Dental Emergencies, 2nd Edition: Mike Perry
  74. Wong's Nursing Care of Infants and Children, 10th Edition: Marilyn J. Hockenberry & David Wilson
  75. Sports Emergency Care: A Team Approach, 3rd Edition: Robb Rehberg & Jeff G. Konin
  76. New Venture Creation: Entrepreneurship for the 21st Century, 10th Edition: Stephen Spinelli & Rob Adams
  77. Caring for the Vulnerable: Perspectives in Nursing Theory, Practice, and Research, 5th Edition: Mary de Chesnay & Barbara Anderson
  78. Geometry: The Line and the Circle: Maureen T. Carroll & Elyn Rykken
  79. Histories of Human Engineering: Tact and Technology: Maarten Derksen
  80. Land Restoration: Reclaiming Landscapes for a Sustainable Future, 1st Edition: Ilan Chabay & Martin Frick & Jennifer Helgeson
  81. Yamada's Handbook of Gastroenterology, 3rd Edition: Tadataka Yamada & John M. Inadomi & Renuka Bhattacharya & Jason A. Dominitz & Joo Ha Hwang
  82. Theoretical Physics 9: Fundamentals of Many-body Physics, 2nd Edition: Wolfgang Nolting & William D. Brewer
  83. Introduction to Programming with C++, 3rd Edition: Y. Daniel Liang
  84. Dental Emergencies, 1st Edition: Mark Greenwood & Ian Corbett
  85. Fundamentals of Physics and Chemistry of the Atmosphere, 2nd Edition: Guido Visconti
  86. Calculus: Early Transcendentals, 3rd Edition: William L. Briggs & Lyle Cochran & Bernard Gillett & Eric Schulz
  87. Educating Physical Therapists, 1st Edition: Gail Jensen
  88. Strategic Developments in Eurasia After 11 September, 1st Edition: Shireen Hunter
  89. Contemporary Issues in Healthcare Law and Ethics, 4th Edition: Dean Harris
  90. Transitioning from RN to MSN: Principles of Professional Role Development: Brenda Scott & Mindy Thompson
  91. Principles and Practice of Public Health Surveillance, 3rd Edition: Lisa M. Lee & Steven M. Teutsch & Stephen B. Thacker & Michael E. St. Louis
  92. Elementary Statistics: Picturing the World, 6th Edition: Ron Larson & Betsy Farber
  93. Human Sexuality in a World of Diversity, 6th Canadian Edition: Spencer A. Rathus & Jeffrey S. Nevid & Lois Fichner-Rathus & Alex McKay & Robin Milhausen
  94. Becoming Your Own Banker, 6th Edition: R. Nelson Nash
  95. Murach's MySQL, 3rd Edition: Joel Murach
  96. Intermediate Algebra, 13th Edition: Marvin L. Bittinger & Judith A. Beecher & Barbara L. Johnson
  97. Planning Health Promotion Programs: An Intervention Mapping Approach, 4th Edition: L. Kay Bartholomew Eldredge & Christine M. Markham & Robert A. C. Ruiter & Maria E. Fernández & Gerjo Kok & Guy S. Parcel
  98. Human Factors in Simple and Complex Systems, 3rd Edition: Robert W. Proctor & Trisha Van Zandt
  99. The Irony of Democracy: An Uncommon Introduction to American Politics, 17th Edition: Louis Schubert & Thomas R. Dye & Harmon Zeigler
  100. Understanding Earth, 7th Edition: John Grotzinger
  101. Nursing Research in Canada: Methods, Critical Appraisal, and Utilization, 4th Edition: Geri LoBiondo-Wood & Judith Haber & Cherylyn Cameron & Mina Singh
  102. The Philosophy of Film, 1st Edition: Thomas E. Wartenberg & Angela Curran
  103. Disaster Nursing and Emergency Preparedness, 4th Edition: Tener Goodwin Veenema
  104. Language in Mind: An Introduction to Psycholinguistics, 2nd Edition: Julie Sedivy
  105. Medical Anthropology: A Biocultural Approach, 3rd Edition: Andrea S. Wiley & John S. Allen
  106. Exploring Biology in the Laboratory, 3rd Edition: Murray P. Pendarvis & John L. Crawley
  107. Guide to Networking Essentials, 8th Edition: Greg Tomsho
  108. Social Psychology: A Storytelling Approach, 2nd Edition: Leonard Newman & Ralph Erber
  109. Managing Conflict: An Introspective Journey to Negotiating Skills, 1st Edition: Dorothy Balancio
  110. Environmental Change and Challenge: A Canadian Perspective, 5th Edition: Philip Dearden & Bruce Mitchell
  111. Brain and Behavior: A Cognitive Neuroscience Perspective, 1st Edition: David Eagleman & Jonathan Downar
  112. Cardiac/Vascular Nurse Exam Secrets Study Guide: Cardiac/Vascular Nurse Test Review for the Cardiac/Vascular Nurse Exam: Mometrix Media & Cardiac Vascular Nurse Exam Secrets
  113. Keeping the Republic: Power and Citizenship in American Politics, The Essentials, 9th Edition: Christine Barbour & Gerald Wright
  114. Principles of Environmental Science, 9th Edition: William Cunningham & Mary Cunningham
  115. Thomas' Calculus, 14th Edition: Joel R. Hass & Christopher E. Heil & Maurice D. Weir
  116. Pharmacology for Canadian Pharmacy Technicians, 1st Edition: Leland Norman Holland & Michael P. Adams & Jeanine Lynn Brice & Heather V. LeBlanc
  117. Cellular and Molecular Immunology, 9th Edition: Abul K. Abbas & Andrew H. Lichtman & Shiv Pillai
  118. Operations Management: Processes and Supply Chains, 11th Edition: Lee J. Krajewski & Manoj K. Malhotra & Larry P. Ritzman
  119. Jews, Christians, Muslims: A Comparative Introduction to Monotheistic Religions, 2nd Edition: John Corrigan & Frederick Denny & Martin S Jaffee & Carlos Eire
  120. Professional Nursing: Concepts & Challenges, 9th Edition: Beth Black
  121. Practical Homicide Investigation: Tactics, Procedures, and Forensic Techniques, 4th Edition: Vernon J. Geberth
  122. Fundamentals of Modern Manufacturing: Materials, Processes and Systems, 7th Edition: Mikell P. Groover
  123. Genetics: A Conceptual Approach, 7th Edition: Benjamin A. Pierce
  124. Computer Science Illuminated, 7th Edition: Nell Dale & John Lewis
  125. The Globalization of World Politics: An Introduction to International Relations, 8th Edition: John Baylis & Steve Smith & Patricia Owens
  126. Behavioral Neuroscience, 9th Edition: S. Marc Breedlove & Neil V. Watson
  127. Canadian Human Resource Management: A Strategic Approach, 12th Edition: Hermann Schwind & Krista Uggerslev & Terry Wagar & Neil Fassina
  128. Brief Principles of Macroeconomics, 9th Edition: N. Gregory Mankiw
  129. Living in the Environment, 4th Canadian Edition: G. Miller & Dave Hackett & Carl Wolfe
  130. Principles of Economics, 9th Edition: N. Gregory Mankiw
  131. Principles of Microeconomics, 9th Edition: N. Gregory Mankiw
  132. Child Development, 9th Edition: Laura E. Berk
  133. Home, School, and Community Collaboration: Culturally Responsive Family Engagement, 4th Edition: Kathy Beth Grant & Julie A. Ray
  134. Set Lighting Technician's Handbook, 4th Edition: Harry Box
  135. Clinical Nurse Leader Certification Review, 2nd Edition: Cynthia R. King
  136. Basic Chemistry, 4th Edition: Karen C. Timberlake & William Timberlake
  137. Sparks & Taylor's Nursing Diagnosis Pocket Guide, 3rd Edition: Linda Phelps
  138. Family Theories: Foundations and Applications, 1st Edition: Katherine R. Allen & Angela C. Henderson
  139. The Earth and Its Peoples: A Global History, 7th Edition: Richard Bulliet & Pamela Crossley & Daniel Headrick & Steven Hirsch & Lyman Johnson
  140. Sociology in Action: A Canadian Perspective, 3rd Edition: Tami Bereska & Diane Symbaluk
  141. Operations Management: Processes and Supply Chains, 12th Edition: Lee J. Krajewski & Manoj K. Malhotra & Larry P. Ritzman
  142. Introduction to Food Science and Food Systems, 2nd Edition: Rick Parker & Miriah Pace
  143. Liaisons, Student Edition: An Introduction to French, 3rd Edition: Wynne Wong & Stacey Weber-Fève & Bill VanPatten
  144. Zuckerman Parker Handbook of Developmental and Behavioral Pediatrics for Primary Care, 4th Edition: Marilyn Augustyn & Barry Zuckerman
  145. Teaching in Today's Inclusive Classrooms: A Universal Design for Learning Approach, 3rd Edition: Richard M. Gargiulo & Debbie Metcalf
  146. The Biological Basis of Mental Health, 3rd Edition: William T. Blows
  147. Developing and Managing Electronic Collections: The Essentials: Peggy Johnson
  148. Western Civilization: Volume II: Since 1500, 10th Edition: Jackson J. Spielvogel
  149. Talking to Strangers: What We Should Know about the People We Don't Know, 1st Edition: Malcolm Gladwell
  150. Understanding Pathophysiology, 7th Edition: Sue E. Huether & Kathryn L. McCance
  151. Our Environment: A Canadian Perspective, 5th edition: Dianne Draper & Ann Zimmerman
  152. Criminal Law: Cases and Materials, 8th Edition: John Kaplan & Robert Weisberg & Guyora Binder
  153. A Photographic Atlas of Histology, 2nd Edition: Michael J Leboffe
  154. Dragons and Tigers: A Geography of South, East, and Southeast Asia, 3rd Edition: Barbara A. Weightman
  155. Climate Change Biology, 1st Edition: Jonathan A. Newman & Madhur Anand & Hugh A. L. Henry & Shelley L. Hunt & Ze'ev Gedalof
  156. The Power of Critical Thinking: 5th Canadian Edition: Chris MacDonald and Lewis Vaughn
  157. Principles of Fire Behavior and Combustion, 4th Edition: Richard Gann & Raymond Friedman
  158. Informatics Nurse Exam Secrets Study Guide: Informatics Test Review for the Informatics Nurse Certification Exam: Informatics Exam Secrets Test Prep Team
  159. General Chemistry, 10th Edition: Darrell Ebbing & Steven D. Gammon
  160. A Practical Guide to Computer Forensics Investigations, 1st Edition: Darren R. Hayes
  161. Basic Biomechanics, 8th Edition: Susan Hall
  162. Essay Writing for Canadian Students, 8th Edition: Roger Davis & Laura K. Davis
  163. Biology, 11th Edition: Peter Raven & George Johnson & Kenneth Mason & Jonathan Losos & Susan Singer
  164. Molecular Imaging, 1st Edition: Ralph Weissleder& Brian D. Ross & Alnawaz Rehemtulla & Sanjiv Sam Gambhir
  165. Criminology, 4th Edition: Frank Schmalleger
  166. A Theory of Truthmaking: Metaphysics, Ontology, and Reality: Jamin Asay
  167. The Routledge Handbook of Metaphysical Grounding, 1st Edition: Michael J. Raven
  168. Linear Algebra and Its Applications, 5th Edition: David C. Lay & Steven R. Lay & Judi J. McDonald
  169. Essentials of Human Communication, 9th Edition: Joseph A. DeVito
  170. Economics: Principles, Applications, and Tools, 9th Edition, Global Edition: Arthur O'Sullivan & Steven Sheffrin & Stephen Perez
  171. Global Health 101, 3rd Edition: Richard Skolnik
  172. Mathematical Proofs: A Transition to Advanced Mathematics, 4th Edition: Gary Chartrand & Albert D. Polimeni & Ping Zhang
  173. Concepts in Strategic Management and Business Policy: Globalization, Innovation and Sustainability, 15th Edition, Global Edition: Thomas L. Wheelen & J. David Hunger & Alan N. Hoffman & Charles E. Bamford
  174. Chemistry: The Central Science, 14th Edition, Global Edition: Theodore E. Brown & H. Eugene LeMay & Bruce E. Bursten & Catherine Murphy & Patrick Woodward & Matthew E. Stoltzfus
  175. Biopsychology, 10th Edition, Global Edition: John P. J. Pinel & Steven Barnes
  176. Electric Circuits, 11th Edition: James W. Nilsson & Susan Riedel
  177. Keeping the Republic; Power and Citizenship in American Politics, the Essentials, 8th Edition: Christine Barbour & Gerald C Wright
  178. Applied Behavior Analysis: Pearson New International Edition, 2nd Edition: John O. Cooper & Timothy E. Heron & William L. Heward
  179. Cryptography and Network Security: Principles and Practice, 7th Edition, Global Edition: William Stallings
  180. Operating Systems: Internals and Design Principles, 9th Edition, Global Edition: William Stallings
  181. Options, Futures, and Other Derivatives, 9th Edition, Global Edition: John C. Hull
  182. Invitation to the Psychology of Religion, 3rd Edition: Raymond F. Paloutzian
  183. Valuation: The Art and Science of Corporate Investment Decisions, 3rd Edition: Sheridan Titman
  184. Comprehensive Clinical Nephrology, 5th Edition: Richard J. Johnson & John Feehally & Jurgen Floege
  185. Miller & Freund's Probability and Statistics for Engineers, 9th Edition, Global Edition: Richard Johnson & Irwin Miller & John Freund
  186. Exploring Strategy: Text and Cases, 11th Edition: Gerry Johnson & Richard Whittington & Patrick Regnér & Kevan Scholes & Duncan Angwin
  187. Economics for Business, 7th Edition: John Sloman
  188. Essentials of Economics, 7th Edition: John Sloman & Dean Garratt
  189. Economics, 9th Edition: John Sloman & Dean Garratt & Alison Wride
  190. Essential Economics for Business, 5th Edition: Johnsloman & Jones Elizabeth
  191. Finite Mathematics, 7th Edition: Stefan Waner & Steven Costenoble
  192. The SAGE Encyclopedia of Surveillance, Security, and Privacy, 1st Edition: Bruce A. Arrigo
  193. Evolution, 4th Edition: Douglas J. Futuyma & Mark Kirkpatrick
  194. Adult Development and Aging, 7th Edition: John C. Cavanaugh & Fredda Blanchard-Fields
  195. Foundations of Finance, 9th Edition, Global Edition: Arthur J. Keown & John D Martin & J. William Petty
  196. Learning PHP, MySQL & JavaScript: With jQuery, CSS & HTML5, 4th Edition: Robin Nixon
  197. Head First Learn to Code: A Learner's Guide to Coding and Computational Thinking, 1st Edition: Eric Freeman
  198. Learning Swift: Building Apps for macOS, iOS, and Beyond, 3rd Edition: Jonathon Manning & Paris Buttfield-Addison & Tim Nugent
  199. Database Systems: Design, Implementation, & Management, 12th Edition: Carlos Coronel & Steven Morris
  200. Introduction to Solid Modeling Using SolidWorks, 13th Edition: William Howard & Joseph Musto
  201. Communications Receivers: Principles and Design, 4th Edition: Ulrich Rohde & Jerry Whitaker & Hans Zahnd
  202. Connect Core Concepts in Health, 15th Edition: Paul Insel & Walton Roth
  203. On Course: Strategies for Creating Success in College and in Life, 8th Edition: Skip Downing
  204. Vander's Human Physiology, 15th Edition: Eric Widmaier & Hershel Raff & Kevin Strang
  205. Biology, 4th Edition: Robert Brooker & Eric Widmaier & Linda Graham & Peter Stiling
  206. The Essentials of Statistics: A Tool for Social Research, 4th Edition: Joseph F. Healey
  207. Oracle 12c: SQL, 3rd Edition: Joan Casteel
  208. Global Business Today, 10th Edition: Charles Hill & G. Tomas M. Hult
  209. Project Management: The Managerial Process, 7th Edition: Erik Larson & Clifford Gray
  210. Organizational Behavior: A Practical, Problem-Solving Approach, 2nd Edition: Angelo Kinicki & Mel Fugate
  211. International Management: Culture, Strategy, and Behavior, 10th Edition: Fred Luthans & Jonathan Doh
  212. CorelDRAW X8: The Official Guide, 12th Edition: Gary David Bouton
  213. Physics for Scientists and Engineers: An Interactive Approach, 2nd Edition: Robert Hawkes & Javed Iqbal & Firas Mansour & Marina Milner-Bolotin & Peter Williams
  214. Programmable Logic Controllers, 5th Edition: Frank Petruzella
  215. Foundations in Microbiology, 10th Edition: Kathleen Park Talaro & Barry Chess
  216. Applied Numerical Methods with MATLAB for Engineers and Scientists, 4th Edition: Steven Chapra
  217. Tonal Harmony, 8th Edition: Stefan Kostka & Dorothy Payne & Byron Almén
  218. Discrete Mathematics, 8th Edition: Richard Johnsonbaugh
  219. Bates' Pocket Guide to Physical Examination and History Taking, 8th Edition: Lynn S. Bickley
  220. NANDA International Nursing Diagnoses: Definitions & Classification 2018-2020, 11th Edition: T. Heather Herdman & Shigemi Kamitsuru & Heather T. Herdman
  221. Biology: Concepts and Investigations, 4th Edition: Mariëlle Hoefnagels
  222. Biology: Concepts and Investigations, 3rd Edition: Mariëlle Hoefnagels
  223. Human Biology: Concepts and Current Issues, 8th Edition, Global Edition: Michael D. Johnson
  224. Messages: Building Interpersonal Communication Skills, 5th Canadian Edition: Joseph A. DeVito & Rena Shimoni & Dawne Clark
  225. The Interpersonal Communication Book, 14th Edition, Global Edition: Joseph A. DeVito
  226. Computational Systems Pharmacology and Toxicology, 1st Edition: Rudy J Richardson & Dale E Johnson & Noffisat Oki & David Faulkner
  227. Shelly Cashman Series Microsoft Office 365 & Office 2019 Introductory, 1st Edition: Sandra Cable & Steven M. Freund & Ellen Monk & Susan L. Sebok & Joy L. Starks
  228. The Practice of Emotionally Focused Couple Therapy: Creating Connection, 2nd Edition: Susan M. Johnson
  229. The Marriage Clinic: A Scientifically Based Marital Therapy, 1st Edition: John M. Gottman
  230. Cognitive-Behavioral Therapy with Couples and Families: A Comprehensive Guide for Clinicians, 1st Edition: Frank M. Dattilio & Aaron T. Beck
  231. International Marketing, 17th Edition: Philip R. Cateora & John Graham & Mary C Gilly
  232. Kaplan and Sadock's Concise Textbook of Clinical Psychiatry, 3rd Edition: Benjamin Sadock & Virginia Alcott Sadock
  233. Anthropology, 14th Edition: Carol R. Ember & Melvin Ember & Peter N. Peregrine
  234. The Men They Will Become: The Nature And Nurture Of Male Character: Eli Newberger
  235. Accounting, 27th Edition: Carl S. Warren & James M. Reeve & Jonathan Duchac
  236. ICD-10-CM 2019: The Complete Official Codebook, 1st Edition: American Medical Association
  237. Essentials of Human Anatomy & Physiology, 12th Edition, Global Edition: Elaine N. Marieb & Suzanne M. Keller
  238. Early Childhood Education Today, 14th Edition: George S Morrison
  239. Programming Bitcoin: Learn How to Program Bitcoin from Scratch, 1st Edition: Jimmy Song
  240. The Physiology and Biochemistry of Prokaryotes, 4th Edition: David White & James Drummond & Clay Fuqua
  241. Environmental Microbiology, 3rd Edition: Ian L. Pepper & Charles P. Gerba & Terry J. Gentry
  242. Industrial Microbiology: An Introduction, 1st Edition: Michael J. Waites & Neil L. Morgan & John S. Rockey & Gary Higton
  243. Introduction to Econometrics, Updated 3rd Edition, Global Edition: James H. Stock & Mark W. Watson
  244. Introduction to Econometrics, 3rd Edition: James H. Stock & Mark W. Watson
  245. Expert Oracle Application Express, 2nd Edition: Doug Gault & Dimitri Gielis & Martin DSouza & Roel Hartman
  246. The Art of Reasoning: An Introduction to Logic and Critical Thinking, 4th Edition: David Kelley
  247. Physics, 5th Edition: James S. Walker
  248. Applied Fluid Mechanics, 7th Edition: Robert L. Mott & Joseph A. Untener
  249. Applied Strength of Materials, SI Units Version, 6th Edition: Robert L. Mott & Joseph A. Untener
  250. Social Psychology, 12th Edition: David Myers & Jean Twenge
  251. Applied Strength of Materials, 6th Edition: Robert Mott & Joseph A. Untener
  252. Foundations of Nursing Research, 7th Edition: Rose Marie Nieswiadomy & Catherine Bailey
  253. Molecular Cell Biology, 8th Edition: Harvey Lodish & Arnold Berk & Chris A. Kaiser & Monty Krieger & Anthony Bretscher
  254. Machine Elements in Mechanical Design, 6th Edition: Robert L. Mott & Edward M. Vavrek & Jyhwen Wang
  255. DeVita, Hellman, and Rosenberg's Cancer, 11th Edition: Vincent T. DeVita & Steven A. Rosenberg & Theodore S. Lawrence
  256. Particle Image Velocimetry: A Practical Guide, 3rd Edition: Markus Raffel & Christian E. Willert & Fulvio Scarano & Christian J. Kähler
  257. Smith's Textbook of Endourology, 4th Edition: Arthur D. Smith & Glenn Preminger & Gopal H. Badlani & Louis R. Kavoussi
  258. College Algebra with Modeling & Visualization, 6th Edition: Gary K. Rockswold
  259. Financial Accounting Theory, 7th Edition: William R. Scott
  260. Biology Now, 2nd Edition: Anne Houtman & Megan Scudellari & Cindy Malone
  261. Psychological Science, 5th Edition: Michael Gazzaniga & Diane Halpern
  262. The Handbook of Technical Writing, 11th Edition: Gerald J. Alred & Charles T. Brusaw & Walter E. Oliu
  263. A Graphical Approach to College Algebra, 6th Edition: John Hornsby & Margaret L. Lial & Gary K. Rockswold
  264. Business Analytics, 4th Edition: Jeffrey D. Camm & James J. Cochran & Michael J. Fry & Jeffrey W. Ohlmann
  265. Biological Psychology, 13th Edition: James W. Kalat
  266. Business Communication Today, 14th Edition: Courtland L. Bovee & John V. Thill
  267. Geosystems Core, 1st Edition: Robert W. Christopherson & Stephen Cunha & Charles E. Thomsen & Ginger Birkeland
  268. Principles of Information Security, 6th Edition: Michael E. Whitman & Herbert J. Mattord
  269. Financial & Managerial Accounting, 14th Edition: Carl S. Warren & James M. Reeve & Jonathan Duchac
  270. Corporate Finance: Theory and Practice, 5th Edition: Pierre Vernimmen & Pascal Quiry & Maurizio Dallocchio & Yann Le Fur & Antonio Salvi
  271. Introductory Statistics, 10th Edition: Neil A. Weiss
  272. Introduction to Cryptography: Principles and Applications, 3rd Edition: Hans Delfs & Helmut Knebl
  273. Business Essentials, 8th Canadian Edition: Ronald J. Ebert & Ricky W. Griffin & Frederick A. Starke & George Dracopoulos
  274. Introduction to Mathematical Statistics, 8th Edition: Robert V. Hogg & Joseph W. McKean & Allen T. Craig
  275. The Routledge Companion to Business Ethics, 1st Edition: Eugene Heath & Byron Kaldis & Alexei Marcoux
  276. Geosystems An Introduction to Physical Geography, Global Edition, 9th Edition: Ginger H. Birkel & Robert W. Christopherson
  277. Scientific American Environmental Science for a Changing World, 2nd Edition: Jeneen InterlandI & Anne Houtman
  278. Precalculus, 10th Edition: Ron Larson
  279. The Human Brain Book: An Illustrated Guide to its Structure, Function, and Disorders, New Edition: Rita Carter
  280. Introduction to Materials Science for Engineers, 8th Edition: James F. Shackelford
  281. Adobe Dreamweaver CC Classroom in a Book, 1st Edition: Jim Maivald
  282. Trigonometry, 11th Edition: Margaret L. Lial & John Hornsby & David I. Schneider & Callie Daniels
  283. Investment Banks, Hedge Funds, and Private Equity, 3rd Edition: David P. Stowell
  284. Cognitive Neuroscience: The Biology of the Mind, 5th Edition: Michael Gazzaniga & Richard B. Ivry & George R. Mangun
  285. Cognitive Neuroscience: The Biology of the Mind, 5th Edition: Michael Gazzaniga & Richard B. Ivry (Author), George R. Mangun (Author)
  286. Project Management Theory and Practice, 3rd Edition: Gary L. Richardson & Brad M. Jackson
  287. Organic Chemistry: Structure and Function, 8th Edition: K. Peter C. Vollhardt & Neil E. Schore
  288. Read, Reason, Write: An Argument Text and Read, 11th Edition: Dorothy Seyler
  289. Fundamentals of Management: Management Myths Debunked!, Global Edition, 10th Edition: Stephen P Robbins & David A. De Cenzo & Mary Coulter
  290. Computer Networking: A Top-Down Approach, Global Edition, 7th Edition: James Kurose & Keith Ross
  291. An Introduction to Banking: Principles, Strategy and Risk Management, 2nd Edition: Moorad Choudhry
  292. The Immune System, 4th Edition: Peter Parham
  293. Biochemistry: Concepts and Connections, Global Edition, 1st Edition: Dean R. Appling & Spencer J. Anthony-Cahill & Christopher K. Mathews
  294. Writing about Writing, 3rd Edition: Elizabeth Wardle & Douglas Downs
  295. Data Wrangling with JavaScript, 1st Edition: Ashley Davis
  296. Experience Psychology, 4th Edition: Laura King
  297. An Introduction to Mathematical Statistics: Fetsje Bijma & Marianne Jonker & Aad van der Vaart & Reinie Erné
  298. Business Communication: Polishing Your Professional Presence, 3rd Edition: Barbara G. Shwom & Lisa Gueldenzoph Snyder
  299. Earth's Evolving Systems: The History of Planet Earth, 2nd Edition: Ronald E. Martin
  300. Business Ethics: Decision Making for Personal Integrity & Social Responsibility, 4th Edition: Laura Hartman & Joseph DesJardins & Chris MacDonald
  301. College Algebra and Trigonometry, Global Edition, 6th Edition: Margaret L. Lial & John Hornsby & David I. Schneider & Callie Daniels
  302. Essentials of MIS, 12th Edition: Kenneth C. Laudon & Jane P. Laudon
  303. Behavior Analysis and Learning: A Biobehavioral Approach, 6th Edition: W. David Pierce & Carl D. Cheney
  304. University Physics, 14th Edition: Hugh D. Young & Roger A. Freedman
  305. Earth System History, 4th Edition: Steven M. Stanley & John A. Luczaj
  306. Analytical Mechanics, 2nd Edition: Nivaldo A. Lemos
  307. Fundamentals of Management, 7th Canadian Edition: Stephen P. Robbins & David A. DeCenzo & Mary Coulter
  308. Computer Accounting with QuickBooks Online: A Cloud Based Approach, 2nd Edition: Carol Yacht & Susan Crosson
  309. Cost Accounting and Financial Management for Construction Project Managers, 1st Edition: Len Holm
  310. Business Continuity Management in Construction, 1st Edition: Leni Sagita Riantini Supriadi & Low Sui Pheng
  311. Contemporary Logistics, 12th Edition, Global Edition: Paul R. Murphy & A. Michael Knemeyer
  312. Mechanical Engineers' Handbook, Volume 1: Materials and Engineering Mechanics, 4th Edition: Myer Kutz
  313. Mechanical Engineers' Handbook, Volume 2: Design, Instrumentation, and Controls, 4th Edition: Myer Kutz
  314. Mechanical Engineers' Handbook, Volume 3: Manufacturing and Management, 4th Edition: Myer Kutz
  315. Mechanical Engineers' Handbook, Volume 4: Energy and Power, 4th Edition: Myer Kutz
  316. An Introduction to Mathematical Statistics and Its Applications, 6th Edition: Richard J. Larsen & Morris L. Marx
  317. Developmental Mathematics, 1st Edition: Robert F. Blitzer
  318. Thinking Mathematically, 7th Edition: Robert F. Blitzer
  319. Wardlaw's Contemporary Nutrition, 10th Edition: Anne Smith & Angela Collene
  320. Mathematical Statistics: An Introduction to Likelihood Based Inference, 1st Edition: Richard J. Rossi
  321. Asking the Right Questions, 11th Edition: M. Neil Browne & Stuart M. Keeley
  322. Asking the Right Questions, 11th Edition, Global Edition: M. Neil Browne & Stuart M. Keeley
  323. Crash Course Cardiology, 4th Edition: Antonia Churchhouse & Julian O. M. Ormerod & Michael Frenneaux
  324. A Graphical Approach to Precalculus with Limits, 7th Edition: John Hornsby & Margaret L. Lial & Gary K. Rockswold
  325. Unlocking Equity and Trusts, 5th Edition: Mohamed Ramjohn
  326. Public Speaking: The Evolving Art, 4th Edition: Stephanie J. Coopman & James Lull
  327. Social Psychology, 8th Edition: Michael Hogg & Graham Vaughan
  328. Human Resources Management in Canada, 12th Canadian Edition: Gary Dessler & Nita Chhinzer & Nina Cole
  329. Law Core Textbook Bundle: Equity and Trusts, 8th edition: Alastair Hudson
  330. Living Ethics: An Introduction with Readings: Russ Shafer-Landau
  331. Microsoft Project 2019 Step by Step, 1st Edition: Cindy Lewis & Carl Chatfield & Timothy Johnson
  332. Global Business Ethics: Responsible Decision Making in an International Context, 1st Edition: Ronald D Francis & Guy Murfey
  333. Construction Management: Theory and Practice, 1st Edition: Chris March
  334. Harrison's Endocrinology, 4th Edition: J. Larry Jameson
  335. Harrison's Neurology in Clinical Medicine, 4th Edition: Stephen Hauser & S. Andrew Josephson
  336. English Grammar Workbook For Dummies with Online Practice, 3rd Edition: Geraldine Woods
  337. Naked: The Dark Side of Shame and Moral Life, 1st Edition: Krista K. Thomason
  338. Ashcraft's Pediatric Surgery, 6th Edition: George W. Holcomb III & J. Patrick Murphy & Daniel J Ostlie
  339. Mobile Apps Engineering: Design, Development, Security, and Testing, 1st Edition: Ghita K. Mostefaoui & Faisal Tariq
  340. Lange Clinical Neurology, 10th Edition: Roger Simon & David Greenberg & Michael Aminoff
  341. International Textbook of Diabetes Mellitus, 2 Volume Set, 4th Edition: R. A. DeFronzo & E. Ferrannini & Paul Zimmet & George Alberti
  342. Java Programming, 9th Edition: Joyce Farrell
  343. Discovering Behavioral Neuroscience: An Introduction to Biological Psychology, 4th Edition: Laura Freberg
  344. How the Immune System Works, 5th Edition: Lauren M. Sompayrac
  345. Fundamentals of Electroceramics: Materials, Devices, and Applications, 1st Edition: R. K. Pandey
  346. Essentials of Hospital Neurology, 1st Edition: Karl E. Misulis & E. Lee Murray
  347. Biology of Humans: Concepts, Applications, and Issues, 6th Edition: Judith Goodenough & Betty A. McGuire
  348. Williams Textbook of Endocrinology, 13th Edition: Shlomo Melmed & Kenneth S. Polonsky & P. Reed Larsen & Henry M. Kronenberg
  349. Financial Management: Principles and Applications, Global Edition, 13th Edition: Sheridan Titman & Arthur J. Keown & John D Martin
  350. Case Studies in Immunology: A Clinical Companion, 7th Edition: Raif S. Geha & Luigi Notarangelo
  351. Handbook of MRI Technique, 4th Edition: Catherine Westbrook
  352. MRI: Basic Principles and Applications, 5th Edition: Brian M. Dale & Mark A. Brown & Richard C. Semelka
  353. Robbins Basic Pathology, 10th Edition: Vinay Kumar & Abul K. Abbas & Jon C. Aster & Vinay Kumar & Abul K. Abbas & Jon C. Aster
  354. Rosen's Emergency Medicine: Concepts and Clinical Practice: 2-Volume Set, 9th Edition: Ron Walls & Robert Hockberger & Marianne Gausche-Hill
  355. BNF for Children: 2018-2019, 1st Edition: Paediatric Formulary Committee
  356. Sitaraman and Friedman's Essentials of Gastroenterology, 2nd Edition: Shanthi Srinivasan & Lawrence S. Friedman
  357. Practical Gastroenterology and Hepatology Board Review Toolkit, 2nd Edition: Kenneth R. DeVault & Michael B. Wallace & Bashar A. Aqel & Keith D. Lindor
  358. Reinforcement Learning: An Introduction, 2nd edition: Richard S. Sutton & Andrew G. Barto
submitted by bookseller10 to Textbook_releases [link] [comments]

Mega eTextbooks release thread (part-28)! Find your textbooks here between $5-$25 :)

Please find the list below:
  1. Disease Gene Identification: Methods and Protocols, 2nd Edition: Johanna K. DiStefano
  2. Statistical Aspects of the Microbiological Examination of Foods, 3rd Edition: Basil Jarvis
  3. Revel for Social Problems, 14th Edition: Stanley Eitzen & Maxine Baca Zinn & Kelly Ei Smith
  4. Fundamentals of Human Resource Management: Pearson New International Edition, 3rd Edition: Gary Dessler
  5. Economics Today: The Micro View, 18th Edition: Roger LeRoy Miller
  6. Employment Law for Business, 8th Edition: Dawn Bennett-Alexander & Laura Hartman
  7. Surgical Exposures in Orthopaedics: The Anatomic Approach, 5th Edition: Stanley Hoppenfeld & Piet de Boer & Richard Buckley
  8. Project Management in Construction, 7th Edition: Sidney Levy
  9. Financial and Managerial Accounting, 7th Edition: John Wild & Ken Shaw & Barbara Chiappetta
  10. Handbook of Plant Disease Identification and Management, 1st Edition: Balaji Aglave
  11. Ubuntu Unleashed 2019 Edition: Covering 18.04, 18.10, 19.04, 13th Edition: Matthew Helmke
  12. Handbook of Insulin Therapies, 1st Edition: Winston Crasto & Janet Jarvis & Melanie J. Davies
  13. Python for Programmers: with Big Data and Artificial Intelligence Case Studies, 1st Edition: Paul J. Deitel & Harvey Deitel
  14. Medical Ethics: Accounts of Ground-Breaking Cases, 7th Edition: Gregory Pence
  15. Human Resource Management, 13th Edition: Gary Dessler
  16. The Biology and Therapeutic Application of Mesenchymal Cells, 2 Volume Set, 1st Edition: Kerry Atkinson
  17. Computer Security Fundamentals, 3rd Edition: William Chuck Easttom
  18. Hendee's Radiation Therapy Physics, 4th Edition: Todd Pawlicki & Daniel J. Scanderbeg & George Starkschall
  19. Nutrient Delivery, 1st Edition: Alexandru Grumezescu
  20. Technology Entrepreneurship: Taking Innovation to the Marketplace, 2nd Edition: Thomas N. Duening & Robert A. Hisrich & Michael A. Lechter
  21. Chemistry of Metalloproteins: Problems and Solutions in Bioinorganic Chemistry, 1st Edition: Joseph J. Stephanos & Anthony W. Addison
  22. Mathematical Statistics with Applications in R, 2nd Edition: Kandethody M. Ramachandran & Chris P. Tsokos
  23. Diagnostic Imaging: Genitourinary, 3rd Edition: Mitchell E. Tublin
  24. Comprehensive Management of Arteriovenous Malformations of the Brain and Spine, 1st Edition: Robert F. Spetzler & Douglas S. Kondziolka & Randall T. Higashida & M. Yashar S. Kalani
  25. Digital Design: With an Introduction to the Verilog HDL, 5th Edition: M. Morris R. Mano & Michael D. Ciletti
  26. Plasmids: Biology and Impact in Biotechnology and Discovery, 1st Edition: Marcelo E. Tolmasky & Juan C. Alonso
  27. Consumer Behavior: Buying, Having, and Being, Global Edition, 12th Edition: Michael R. Solomon
  28. Project Management Case Studies, 5th Edition: Harold Kerzner
  29. Medical Phisiology: Principles for Clinical Medicine, 4th Edition: Rodney A. Rhoades & David R. Bell
  30. Essentials of Contemporary Management, 7th Edition: Gareth Jones & Jennifer George
  31. Harmony and Voice Leading, 4th Edition: Thomas E. Benjamin & Michael Horvit & Robert S. Nelson
  32. Principles of Economics, 2nd Edition: Lee Coppock & Dirk Mateer
  33. Oral Microbiology and Immunology, 2nd Edition: Richard J. Lamont & George N. Hajishengallis & Howard F. Jenkinson
  34. Magnetic Resonance Imaging of the Brain and Spine, 5th Edition: Scott W. Atlas
  35. Accounting Information Systems: Controls and Processes, 3rd Edition: Leslie Turner & Andrea B. Weickgenannt & Mary Kay Copeland
  36. Strategic Corporate Social Responsibility: Sustainable Value Creation, 5th Edition: David Chandler
  37. Julien's Primer of Drug Action: A Comprehensive Guide to the Actions, Uses, and Side Effects of Psychoactive Drugs, 14th Edition: Claire D. Advokat & Joseph Comaty & Robert Julien
  38. The Grand Chessboard: American Primacy And Its Geostrategic Imperatives, 1st Edition: Zbigniew Brzezinski
  39. The Cosmic Perspective: The Solar System, 8th Edition: Jeffrey O. Bennett & Megan O. Donahue & Nicholas Schneider & Mark Voit
  40. Ultrastructure Atlas of Human Tissues, 1st Edition: Fred Hossler
  41. Advances in the Biology and Management of Modern Bed Bugs, 1st Edition: Stephen L. Doggett & Dini M. Miller & Chow-Yang Lee
  42. Patterns of World History: Volume One: To 1600, 1st Edition: Peter von Sivers & Charles A. Desnoyers & George B. Stow
  43. Genitourinary Imaging: A Core Review, 1st Edition: Matthew Davenport
  44. Evidence-based Obstetrics and Gynecology, 1st Edition: Errol R. Norwitz & Carolyn M. Zelop & David A. Miller & David L. Keefe
  45. Zoology, 10th Edition: Stephen Miller & John Harley
  46. Radical and Reconstructive Gynecologic Cancer Surgery, 1st Edition: Robert Bristow & Dennis Chi
  47. Davis's Diseases & Disorders A Nursing Therapeutics Manual, 6th Edition: Marilyn Sawyer Sommers
  48. Management & Cost Accounting, 6th Edition: Alnoor Bhimani
  49. Elements of Modern Algebra, 8th Edition: Linda Gilbert
  50. Psychiatric & Mental Health Nursing, 4th Edition: Katie Evans & Debra Nizette & Anthony O'Brien
  51. Molecular Biology: Different Facets, 1st Edition: Anjali Priyadarshini & Prerna Pandey
  52. Elementary Number Theory, 7th Edition: David Burton
  53. Accounting Information Systems, 14th Edition: Marshall B. Romney & Paul J. Steinbart
  54. Microeconomics, Global Edition, 9th Edition: Robert Pindyck & Daniel Rubinfeld
  55. Psychiatric and Mental Health Nursing Demystified, 1st Edition: Jim Keogh
  56. Entrepreneurship, 10th Edition: Robert Hisrich & Michael Peters & Dean Shepherd
  57. Ganong's Review of Medical Physiology, 26th Edition: Kim E. Barrett & Susan M. Barman & Jason Yuan & Heddwen L. Brooks
  58. Textbook of Obstetrics and Gynaecology: A life course approach, 1st Edition: Eric A.P. Steegers & Bart C.J.M. Fauser & Carina G.J.M. Hilders
  59. Engineering Mechanics: Statics, 8th Edition: James L. Meriam & L. G. Kraige & J. N. Bolton
  60. Basic Concepts of Psychiatric-Mental Health Nursing, 8th Edition: Louise Rebraca Shives
  61. Beckmann and Ling's Obstetrics and Gynecology, 8th Edition: Robert Casanova
  62. Biology: Concepts and Applications, 10th Edition: Cecie Starr & Christine Evers & Lisa Starr
  63. Estimating in Building Construction, 9th Edition: Steven J. Peterson & Frank R. Dagostino
  64. The Big Back Book: Tips & Tricks for Therapists, 1st Edition: Jane Johnson
  65. University Physics with Modern Physics, 14th Edition: Hugh D. Young & Roger A. Freedman
  66. Poisoning and Drug Overdose, 7th Edition: Kent Olson & Ilene Anderson & Neal Benowitz & Paul Blanc
  67. Koneman's Color Atlas and Textbook of Diagnostic Microbiology, 7th Edition: Gary W. Procop
  68. Experimental Psychology, 7th Edition: Anne Myers & Christine H. Hansen
  69. Marketing: An Introduction, 13th Edition: Gary Armstrong & Philip Kotler
  70. Gray's Anatomy for Students: With Student Consult, 3rd Edition: Richard Drake & A. Wayne Vogl & Adam W. M. Mitchell
  71. Chestnut's Obstetric Anesthesia: Principles and Practice, 5th Edition: David H. Chestnut & Cynthia A Wong & Lawrence C Tsen & Warwick D Ngan Kee & Yaakov Beilin & Jill Mhyre
  72. Chemistry: The Molecular Science, 5th Edition: John W. Moore & Conrad L. Stanitski
  73. Head, Neck and Dental Emergencies, 2nd Edition: Mike Perry
  74. Wong's Nursing Care of Infants and Children, 10th Edition: Marilyn J. Hockenberry & David Wilson
  75. Sports Emergency Care: A Team Approach, 3rd Edition: Robb Rehberg & Jeff G. Konin
  76. New Venture Creation: Entrepreneurship for the 21st Century, 10th Edition: Stephen Spinelli & Rob Adams
  77. Caring for the Vulnerable: Perspectives in Nursing Theory, Practice, and Research, 5th Edition: Mary de Chesnay & Barbara Anderson
  78. Geometry: The Line and the Circle: Maureen T. Carroll & Elyn Rykken
  79. Histories of Human Engineering: Tact and Technology: Maarten Derksen
  80. Land Restoration: Reclaiming Landscapes for a Sustainable Future, 1st Edition: Ilan Chabay & Martin Frick & Jennifer Helgeson
  81. Yamada's Handbook of Gastroenterology, 3rd Edition: Tadataka Yamada & John M. Inadomi & Renuka Bhattacharya & Jason A. Dominitz & Joo Ha Hwang
  82. Theoretical Physics 9: Fundamentals of Many-body Physics, 2nd Edition: Wolfgang Nolting & William D. Brewer
  83. Introduction to Programming with C++, 3rd Edition: Y. Daniel Liang
  84. Dental Emergencies, 1st Edition: Mark Greenwood & Ian Corbett
  85. Fundamentals of Physics and Chemistry of the Atmosphere, 2nd Edition: Guido Visconti
  86. Calculus: Early Transcendentals, 3rd Edition: William L. Briggs & Lyle Cochran & Bernard Gillett & Eric Schulz
  87. Educating Physical Therapists, 1st Edition: Gail Jensen
  88. Strategic Developments in Eurasia After 11 September, 1st Edition: Shireen Hunter
  89. Contemporary Issues in Healthcare Law and Ethics, 4th Edition: Dean Harris
  90. Transitioning from RN to MSN: Principles of Professional Role Development: Brenda Scott & Mindy Thompson
  91. Principles and Practice of Public Health Surveillance, 3rd Edition: Lisa M. Lee & Steven M. Teutsch & Stephen B. Thacker & Michael E. St. Louis
  92. Elementary Statistics: Picturing the World, 6th Edition: Ron Larson & Betsy Farber
  93. Human Sexuality in a World of Diversity, 6th Canadian Edition: Spencer A. Rathus & Jeffrey S. Nevid & Lois Fichner-Rathus & Alex McKay & Robin Milhausen
  94. Becoming Your Own Banker, 6th Edition: R. Nelson Nash
  95. Murach's MySQL, 3rd Edition: Joel Murach
  96. Intermediate Algebra, 13th Edition: Marvin L. Bittinger & Judith A. Beecher & Barbara L. Johnson
  97. Planning Health Promotion Programs: An Intervention Mapping Approach, 4th Edition: L. Kay Bartholomew Eldredge & Christine M. Markham & Robert A. C. Ruiter & Maria E. Fernández & Gerjo Kok & Guy S. Parcel
  98. Human Factors in Simple and Complex Systems, 3rd Edition: Robert W. Proctor & Trisha Van Zandt
  99. The Irony of Democracy: An Uncommon Introduction to American Politics, 17th Edition: Louis Schubert & Thomas R. Dye & Harmon Zeigler
  100. Understanding Earth, 7th Edition: John Grotzinger
  101. Nursing Research in Canada: Methods, Critical Appraisal, and Utilization, 4th Edition: Geri LoBiondo-Wood & Judith Haber & Cherylyn Cameron & Mina Singh
  102. The Philosophy of Film, 1st Edition: Thomas E. Wartenberg & Angela Curran
  103. Disaster Nursing and Emergency Preparedness, 4th Edition: Tener Goodwin Veenema
  104. Language in Mind: An Introduction to Psycholinguistics, 2nd Edition: Julie Sedivy
  105. Medical Anthropology: A Biocultural Approach, 3rd Edition: Andrea S. Wiley & John S. Allen
  106. Exploring Biology in the Laboratory, 3rd Edition: Murray P. Pendarvis & John L. Crawley
  107. Guide to Networking Essentials, 8th Edition: Greg Tomsho
  108. Social Psychology: A Storytelling Approach, 2nd Edition: Leonard Newman & Ralph Erber
  109. Managing Conflict: An Introspective Journey to Negotiating Skills, 1st Edition: Dorothy Balancio
  110. Environmental Change and Challenge: A Canadian Perspective, 5th Edition: Philip Dearden & Bruce Mitchell
  111. Brain and Behavior: A Cognitive Neuroscience Perspective, 1st Edition: David Eagleman & Jonathan Downar
  112. Cardiac/Vascular Nurse Exam Secrets Study Guide: Cardiac/Vascular Nurse Test Review for the Cardiac/Vascular Nurse Exam: Mometrix Media & Cardiac Vascular Nurse Exam Secrets
  113. Keeping the Republic: Power and Citizenship in American Politics, The Essentials, 9th Edition: Christine Barbour & Gerald Wright
  114. Principles of Environmental Science, 9th Edition: William Cunningham & Mary Cunningham
  115. Thomas' Calculus, 14th Edition: Joel R. Hass & Christopher E. Heil & Maurice D. Weir
  116. Pharmacology for Canadian Pharmacy Technicians, 1st Edition: Leland Norman Holland & Michael P. Adams & Jeanine Lynn Brice & Heather V. LeBlanc
  117. Cellular and Molecular Immunology, 9th Edition: Abul K. Abbas & Andrew H. Lichtman & Shiv Pillai
  118. Operations Management: Processes and Supply Chains, 11th Edition: Lee J. Krajewski & Manoj K. Malhotra & Larry P. Ritzman
  119. Jews, Christians, Muslims: A Comparative Introduction to Monotheistic Religions, 2nd Edition: John Corrigan & Frederick Denny & Martin S Jaffee & Carlos Eire
  120. Professional Nursing: Concepts & Challenges, 9th Edition: Beth Black
  121. Practical Homicide Investigation: Tactics, Procedures, and Forensic Techniques, 4th Edition: Vernon J. Geberth
  122. Fundamentals of Modern Manufacturing: Materials, Processes and Systems, 7th Edition: Mikell P. Groover
  123. Genetics: A Conceptual Approach, 7th Edition: Benjamin A. Pierce
  124. Computer Science Illuminated, 7th Edition: Nell Dale & John Lewis
  125. The Globalization of World Politics: An Introduction to International Relations, 8th Edition: John Baylis & Steve Smith & Patricia Owens
  126. Behavioral Neuroscience, 9th Edition: S. Marc Breedlove & Neil V. Watson
  127. Canadian Human Resource Management: A Strategic Approach, 12th Edition: Hermann Schwind & Krista Uggerslev & Terry Wagar & Neil Fassina
  128. Brief Principles of Macroeconomics, 9th Edition: N. Gregory Mankiw
  129. Living in the Environment, 4th Canadian Edition: G. Miller & Dave Hackett & Carl Wolfe
  130. Principles of Economics, 9th Edition: N. Gregory Mankiw
  131. Principles of Microeconomics, 9th Edition: N. Gregory Mankiw
  132. Child Development, 9th Edition: Laura E. Berk
  133. Home, School, and Community Collaboration: Culturally Responsive Family Engagement, 4th Edition: Kathy Beth Grant & Julie A. Ray
  134. Set Lighting Technician's Handbook, 4th Edition: Harry Box
  135. Clinical Nurse Leader Certification Review, 2nd Edition: Cynthia R. King
  136. Basic Chemistry, 4th Edition: Karen C. Timberlake & William Timberlake
  137. Sparks & Taylor's Nursing Diagnosis Pocket Guide, 3rd Edition: Linda Phelps
  138. Family Theories: Foundations and Applications, 1st Edition: Katherine R. Allen & Angela C. Henderson
  139. The Earth and Its Peoples: A Global History, 7th Edition: Richard Bulliet & Pamela Crossley & Daniel Headrick & Steven Hirsch & Lyman Johnson
  140. Sociology in Action: A Canadian Perspective, 3rd Edition: Tami Bereska & Diane Symbaluk
  141. Operations Management: Processes and Supply Chains, 12th Edition: Lee J. Krajewski & Manoj K. Malhotra & Larry P. Ritzman
  142. Introduction to Food Science and Food Systems, 2nd Edition: Rick Parker & Miriah Pace
  143. Liaisons, Student Edition: An Introduction to French, 3rd Edition: Wynne Wong & Stacey Weber-Fève & Bill VanPatten
  144. Zuckerman Parker Handbook of Developmental and Behavioral Pediatrics for Primary Care, 4th Edition: Marilyn Augustyn & Barry Zuckerman
  145. Teaching in Today's Inclusive Classrooms: A Universal Design for Learning Approach, 3rd Edition: Richard M. Gargiulo & Debbie Metcalf
  146. The Biological Basis of Mental Health, 3rd Edition: William T. Blows
  147. Developing and Managing Electronic Collections: The Essentials: Peggy Johnson
  148. Western Civilization: Volume II: Since 1500, 10th Edition: Jackson J. Spielvogel
  149. Talking to Strangers: What We Should Know about the People We Don't Know, 1st Edition: Malcolm Gladwell
  150. Understanding Pathophysiology, 7th Edition: Sue E. Huether & Kathryn L. McCance
  151. Our Environment: A Canadian Perspective, 5th edition: Dianne Draper & Ann Zimmerman
  152. Criminal Law: Cases and Materials, 8th Edition: John Kaplan & Robert Weisberg & Guyora Binder
  153. A Photographic Atlas of Histology, 2nd Edition: Michael J Leboffe
  154. Dragons and Tigers: A Geography of South, East, and Southeast Asia, 3rd Edition: Barbara A. Weightman
  155. Climate Change Biology, 1st Edition: Jonathan A. Newman & Madhur Anand & Hugh A. L. Henry & Shelley L. Hunt & Ze'ev Gedalof
  156. The Power of Critical Thinking: 5th Canadian Edition: Chris MacDonald and Lewis Vaughn
  157. Principles of Fire Behavior and Combustion, 4th Edition: Richard Gann & Raymond Friedman
  158. Informatics Nurse Exam Secrets Study Guide: Informatics Test Review for the Informatics Nurse Certification Exam: Informatics Exam Secrets Test Prep Team
  159. General Chemistry, 10th Edition: Darrell Ebbing & Steven D. Gammon
  160. A Practical Guide to Computer Forensics Investigations, 1st Edition: Darren R. Hayes
  161. Basic Biomechanics, 8th Edition: Susan Hall
  162. Essay Writing for Canadian Students, 8th Edition: Roger Davis & Laura K. Davis
  163. Biology, 11th Edition: Peter Raven & George Johnson & Kenneth Mason & Jonathan Losos & Susan Singer
  164. Molecular Imaging, 1st Edition: Ralph Weissleder& Brian D. Ross & Alnawaz Rehemtulla & Sanjiv Sam Gambhir
  165. Criminology, 4th Edition: Frank Schmalleger
  166. A Theory of Truthmaking: Metaphysics, Ontology, and Reality: Jamin Asay
  167. The Routledge Handbook of Metaphysical Grounding, 1st Edition: Michael J. Raven
  168. Linear Algebra and Its Applications, 5th Edition: David C. Lay & Steven R. Lay & Judi J. McDonald
  169. Essentials of Human Communication, 9th Edition: Joseph A. DeVito
  170. Economics: Principles, Applications, and Tools, 9th Edition, Global Edition: Arthur O'Sullivan & Steven Sheffrin & Stephen Perez
  171. Global Health 101, 3rd Edition: Richard Skolnik
  172. Mathematical Proofs: A Transition to Advanced Mathematics, 4th Edition: Gary Chartrand & Albert D. Polimeni & Ping Zhang
  173. Concepts in Strategic Management and Business Policy: Globalization, Innovation and Sustainability, 15th Edition, Global Edition: Thomas L. Wheelen & J. David Hunger & Alan N. Hoffman & Charles E. Bamford
  174. Chemistry: The Central Science, 14th Edition, Global Edition: Theodore E. Brown & H. Eugene LeMay & Bruce E. Bursten & Catherine Murphy & Patrick Woodward & Matthew E. Stoltzfus
  175. Biopsychology, 10th Edition, Global Edition: John P. J. Pinel & Steven Barnes
  176. Electric Circuits, 11th Edition: James W. Nilsson & Susan Riedel
  177. Keeping the Republic; Power and Citizenship in American Politics, the Essentials, 8th Edition: Christine Barbour & Gerald C Wright
  178. Applied Behavior Analysis: Pearson New International Edition, 2nd Edition: John O. Cooper & Timothy E. Heron & William L. Heward
  179. Cryptography and Network Security: Principles and Practice, 7th Edition, Global Edition: William Stallings
  180. Operating Systems: Internals and Design Principles, 9th Edition, Global Edition: William Stallings
  181. Options, Futures, and Other Derivatives, 9th Edition, Global Edition: John C. Hull
  182. Invitation to the Psychology of Religion, 3rd Edition: Raymond F. Paloutzian
  183. Valuation: The Art and Science of Corporate Investment Decisions, 3rd Edition: Sheridan Titman
  184. Comprehensive Clinical Nephrology, 5th Edition: Richard J. Johnson & John Feehally & Jurgen Floege
  185. Miller & Freund's Probability and Statistics for Engineers, 9th Edition, Global Edition: Richard Johnson & Irwin Miller & John Freund
  186. Exploring Strategy: Text and Cases, 11th Edition: Gerry Johnson & Richard Whittington & Patrick Regnér & Kevan Scholes & Duncan Angwin
  187. Economics for Business, 7th Edition: John Sloman
  188. Essentials of Economics, 7th Edition: John Sloman & Dean Garratt
  189. Economics, 9th Edition: John Sloman & Dean Garratt & Alison Wride
  190. Essential Economics for Business, 5th Edition: Johnsloman & Jones Elizabeth
  191. Finite Mathematics, 7th Edition: Stefan Waner & Steven Costenoble
  192. The SAGE Encyclopedia of Surveillance, Security, and Privacy, 1st Edition: Bruce A. Arrigo
  193. Evolution, 4th Edition: Douglas J. Futuyma & Mark Kirkpatrick
  194. Adult Development and Aging, 7th Edition: John C. Cavanaugh & Fredda Blanchard-Fields
  195. Foundations of Finance, 9th Edition, Global Edition: Arthur J. Keown & John D Martin & J. William Petty
  196. Learning PHP, MySQL & JavaScript: With jQuery, CSS & HTML5, 4th Edition: Robin Nixon
  197. Head First Learn to Code: A Learner's Guide to Coding and Computational Thinking, 1st Edition: Eric Freeman
  198. Learning Swift: Building Apps for macOS, iOS, and Beyond, 3rd Edition: Jonathon Manning & Paris Buttfield-Addison & Tim Nugent
  199. Database Systems: Design, Implementation, & Management, 12th Edition: Carlos Coronel & Steven Morris
  200. Introduction to Solid Modeling Using SolidWorks, 13th Edition: William Howard & Joseph Musto
  201. Communications Receivers: Principles and Design, 4th Edition: Ulrich Rohde & Jerry Whitaker & Hans Zahnd
  202. Connect Core Concepts in Health, 15th Edition: Paul Insel & Walton Roth
  203. On Course: Strategies for Creating Success in College and in Life, 8th Edition: Skip Downing
  204. Vander's Human Physiology, 15th Edition: Eric Widmaier & Hershel Raff & Kevin Strang
  205. Biology, 4th Edition: Robert Brooker & Eric Widmaier & Linda Graham & Peter Stiling
  206. The Essentials of Statistics: A Tool for Social Research, 4th Edition: Joseph F. Healey
  207. Oracle 12c: SQL, 3rd Edition: Joan Casteel
  208. Global Business Today, 10th Edition: Charles Hill & G. Tomas M. Hult
  209. Project Management: The Managerial Process, 7th Edition: Erik Larson & Clifford Gray
  210. Organizational Behavior: A Practical, Problem-Solving Approach, 2nd Edition: Angelo Kinicki & Mel Fugate
  211. International Management: Culture, Strategy, and Behavior, 10th Edition: Fred Luthans & Jonathan Doh
  212. CorelDRAW X8: The Official Guide, 12th Edition: Gary David Bouton
  213. Physics for Scientists and Engineers: An Interactive Approach, 2nd Edition: Robert Hawkes & Javed Iqbal & Firas Mansour & Marina Milner-Bolotin & Peter Williams
  214. Programmable Logic Controllers, 5th Edition: Frank Petruzella
  215. Foundations in Microbiology, 10th Edition: Kathleen Park Talaro & Barry Chess
  216. Applied Numerical Methods with MATLAB for Engineers and Scientists, 4th Edition: Steven Chapra
  217. Tonal Harmony, 8th Edition: Stefan Kostka & Dorothy Payne & Byron Almén
  218. Discrete Mathematics, 8th Edition: Richard Johnsonbaugh
  219. Bates' Pocket Guide to Physical Examination and History Taking, 8th Edition: Lynn S. Bickley
  220. NANDA International Nursing Diagnoses: Definitions & Classification 2018-2020, 11th Edition: T. Heather Herdman & Shigemi Kamitsuru & Heather T. Herdman
  221. Biology: Concepts and Investigations, 4th Edition: Mariëlle Hoefnagels
  222. Biology: Concepts and Investigations, 3rd Edition: Mariëlle Hoefnagels
  223. Human Biology: Concepts and Current Issues, 8th Edition, Global Edition: Michael D. Johnson
  224. Messages: Building Interpersonal Communication Skills, 5th Canadian Edition: Joseph A. DeVito & Rena Shimoni & Dawne Clark
  225. The Interpersonal Communication Book, 14th Edition, Global Edition: Joseph A. DeVito
  226. Computational Systems Pharmacology and Toxicology, 1st Edition: Rudy J Richardson & Dale E Johnson & Noffisat Oki & David Faulkner
  227. Shelly Cashman Series Microsoft Office 365 & Office 2019 Introductory, 1st Edition: Sandra Cable & Steven M. Freund & Ellen Monk & Susan L. Sebok & Joy L. Starks
  228. The Practice of Emotionally Focused Couple Therapy: Creating Connection, 2nd Edition: Susan M. Johnson
  229. The Marriage Clinic: A Scientifically Based Marital Therapy, 1st Edition: John M. Gottman
  230. Cognitive-Behavioral Therapy with Couples and Families: A Comprehensive Guide for Clinicians, 1st Edition: Frank M. Dattilio & Aaron T. Beck
  231. International Marketing, 17th Edition: Philip R. Cateora & John Graham & Mary C Gilly
  232. Kaplan and Sadock's Concise Textbook of Clinical Psychiatry, 3rd Edition: Benjamin Sadock & Virginia Alcott Sadock
  233. Anthropology, 14th Edition: Carol R. Ember & Melvin Ember & Peter N. Peregrine
  234. The Men They Will Become: The Nature And Nurture Of Male Character: Eli Newberger
  235. Accounting, 27th Edition: Carl S. Warren & James M. Reeve & Jonathan Duchac
  236. ICD-10-CM 2019: The Complete Official Codebook, 1st Edition: American Medical Association
  237. Essentials of Human Anatomy & Physiology, 12th Edition, Global Edition: Elaine N. Marieb & Suzanne M. Keller
  238. Early Childhood Education Today, 14th Edition: George S Morrison
  239. Programming Bitcoin: Learn How to Program Bitcoin from Scratch, 1st Edition: Jimmy Song
  240. The Physiology and Biochemistry of Prokaryotes, 4th Edition: David White & James Drummond & Clay Fuqua
  241. Environmental Microbiology, 3rd Edition: Ian L. Pepper & Charles P. Gerba & Terry J. Gentry
  242. Industrial Microbiology: An Introduction, 1st Edition: Michael J. Waites & Neil L. Morgan & John S. Rockey & Gary Higton
  243. Introduction to Econometrics, Updated 3rd Edition, Global Edition: James H. Stock & Mark W. Watson
  244. Introduction to Econometrics, 3rd Edition: James H. Stock & Mark W. Watson
  245. Expert Oracle Application Express, 2nd Edition: Doug Gault & Dimitri Gielis & Martin DSouza & Roel Hartman
  246. The Art of Reasoning: An Introduction to Logic and Critical Thinking, 4th Edition: David Kelley
  247. Physics, 5th Edition: James S. Walker
  248. Applied Fluid Mechanics, 7th Edition: Robert L. Mott & Joseph A. Untener
  249. Applied Strength of Materials, SI Units Version, 6th Edition: Robert L. Mott & Joseph A. Untener
  250. Social Psychology, 12th Edition: David Myers & Jean Twenge
  251. Applied Strength of Materials, 6th Edition: Robert Mott & Joseph A. Untener
  252. Foundations of Nursing Research, 7th Edition: Rose Marie Nieswiadomy & Catherine Bailey
  253. Molecular Cell Biology, 8th Edition: Harvey Lodish & Arnold Berk & Chris A. Kaiser & Monty Krieger & Anthony Bretscher
  254. Machine Elements in Mechanical Design, 6th Edition: Robert L. Mott & Edward M. Vavrek & Jyhwen Wang
  255. DeVita, Hellman, and Rosenberg's Cancer, 11th Edition: Vincent T. DeVita & Steven A. Rosenberg & Theodore S. Lawrence
  256. Particle Image Velocimetry: A Practical Guide, 3rd Edition: Markus Raffel & Christian E. Willert & Fulvio Scarano & Christian J. Kähler
  257. Smith's Textbook of Endourology, 4th Edition: Arthur D. Smith & Glenn Preminger & Gopal H. Badlani & Louis R. Kavoussi
  258. College Algebra with Modeling & Visualization, 6th Edition: Gary K. Rockswold
  259. Financial Accounting Theory, 7th Edition: William R. Scott
  260. Biology Now, 2nd Edition: Anne Houtman & Megan Scudellari & Cindy Malone
  261. Psychological Science, 5th Edition: Michael Gazzaniga & Diane Halpern
  262. The Handbook of Technical Writing, 11th Edition: Gerald J. Alred & Charles T. Brusaw & Walter E. Oliu
  263. A Graphical Approach to College Algebra, 6th Edition: John Hornsby & Margaret L. Lial & Gary K. Rockswold
  264. Business Analytics, 4th Edition: Jeffrey D. Camm & James J. Cochran & Michael J. Fry & Jeffrey W. Ohlmann
  265. Biological Psychology, 13th Edition: James W. Kalat
  266. Business Communication Today, 14th Edition: Courtland L. Bovee & John V. Thill
  267. Geosystems Core, 1st Edition: Robert W. Christopherson & Stephen Cunha & Charles E. Thomsen & Ginger Birkeland
  268. Principles of Information Security, 6th Edition: Michael E. Whitman & Herbert J. Mattord
  269. Financial & Managerial Accounting, 14th Edition: Carl S. Warren & James M. Reeve & Jonathan Duchac
  270. Corporate Finance: Theory and Practice, 5th Edition: Pierre Vernimmen & Pascal Quiry & Maurizio Dallocchio & Yann Le Fur & Antonio Salvi
  271. Introductory Statistics, 10th Edition: Neil A. Weiss
  272. Introduction to Cryptography: Principles and Applications, 3rd Edition: Hans Delfs & Helmut Knebl
  273. Business Essentials, 8th Canadian Edition: Ronald J. Ebert & Ricky W. Griffin & Frederick A. Starke & George Dracopoulos
  274. Introduction to Mathematical Statistics, 8th Edition: Robert V. Hogg & Joseph W. McKean & Allen T. Craig
  275. The Routledge Companion to Business Ethics, 1st Edition: Eugene Heath & Byron Kaldis & Alexei Marcoux
  276. Geosystems An Introduction to Physical Geography, Global Edition, 9th Edition: Ginger H. Birkel & Robert W. Christopherson
  277. Scientific American Environmental Science for a Changing World, 2nd Edition: Jeneen InterlandI & Anne Houtman
  278. Precalculus, 10th Edition: Ron Larson
  279. The Human Brain Book: An Illustrated Guide to its Structure, Function, and Disorders, New Edition: Rita Carter
  280. Introduction to Materials Science for Engineers, 8th Edition: James F. Shackelford
  281. Adobe Dreamweaver CC Classroom in a Book, 1st Edition: Jim Maivald
  282. Trigonometry, 11th Edition: Margaret L. Lial & John Hornsby & David I. Schneider & Callie Daniels
  283. Investment Banks, Hedge Funds, and Private Equity, 3rd Edition: David P. Stowell
  284. Cognitive Neuroscience: The Biology of the Mind, 5th Edition: Michael Gazzaniga & Richard B. Ivry & George R. Mangun
  285. Cognitive Neuroscience: The Biology of the Mind, 5th Edition: Michael Gazzaniga & Richard B. Ivry (Author), George R. Mangun (Author)
  286. Project Management Theory and Practice, 3rd Edition: Gary L. Richardson & Brad M. Jackson
  287. Organic Chemistry: Structure and Function, 8th Edition: K. Peter C. Vollhardt & Neil E. Schore
  288. Read, Reason, Write: An Argument Text and Read, 11th Edition: Dorothy Seyler
  289. Fundamentals of Management: Management Myths Debunked!, Global Edition, 10th Edition: Stephen P Robbins & David A. De Cenzo & Mary Coulter
  290. Computer Networking: A Top-Down Approach, Global Edition, 7th Edition: James Kurose & Keith Ross
  291. An Introduction to Banking: Principles, Strategy and Risk Management, 2nd Edition: Moorad Choudhry
  292. The Immune System, 4th Edition: Peter Parham
  293. Biochemistry: Concepts and Connections, Global Edition, 1st Edition: Dean R. Appling & Spencer J. Anthony-Cahill & Christopher K. Mathews
  294. Writing about Writing, 3rd Edition: Elizabeth Wardle & Douglas Downs
  295. Data Wrangling with JavaScript, 1st Edition: Ashley Davis
  296. Experience Psychology, 4th Edition: Laura King
  297. An Introduction to Mathematical Statistics: Fetsje Bijma & Marianne Jonker & Aad van der Vaart & Reinie Erné
  298. Business Communication: Polishing Your Professional Presence, 3rd Edition: Barbara G. Shwom & Lisa Gueldenzoph Snyder
  299. Earth's Evolving Systems: The History of Planet Earth, 2nd Edition: Ronald E. Martin
  300. Business Ethics: Decision Making for Personal Integrity & Social Responsibility, 4th Edition: Laura Hartman & Joseph DesJardins & Chris MacDonald
  301. College Algebra and Trigonometry, Global Edition, 6th Edition: Margaret L. Lial & John Hornsby & David I. Schneider & Callie Daniels
  302. Essentials of MIS, 12th Edition: Kenneth C. Laudon & Jane P. Laudon
  303. Behavior Analysis and Learning: A Biobehavioral Approach, 6th Edition: W. David Pierce & Carl D. Cheney
  304. University Physics, 14th Edition: Hugh D. Young & Roger A. Freedman
  305. Earth System History, 4th Edition: Steven M. Stanley & John A. Luczaj
  306. Analytical Mechanics, 2nd Edition: Nivaldo A. Lemos
  307. Fundamentals of Management, 7th Canadian Edition: Stephen P. Robbins & David A. DeCenzo & Mary Coulter
  308. Computer Accounting with QuickBooks Online: A Cloud Based Approach, 2nd Edition: Carol Yacht & Susan Crosson
  309. Cost Accounting and Financial Management for Construction Project Managers, 1st Edition: Len Holm
  310. Business Continuity Management in Construction, 1st Edition: Leni Sagita Riantini Supriadi & Low Sui Pheng
  311. Contemporary Logistics, 12th Edition, Global Edition: Paul R. Murphy & A. Michael Knemeyer
  312. Mechanical Engineers' Handbook, Volume 1: Materials and Engineering Mechanics, 4th Edition: Myer Kutz
  313. Mechanical Engineers' Handbook, Volume 2: Design, Instrumentation, and Controls, 4th Edition: Myer Kutz
  314. Mechanical Engineers' Handbook, Volume 3: Manufacturing and Management, 4th Edition: Myer Kutz
  315. Mechanical Engineers' Handbook, Volume 4: Energy and Power, 4th Edition: Myer Kutz
  316. An Introduction to Mathematical Statistics and Its Applications, 6th Edition: Richard J. Larsen & Morris L. Marx
  317. Developmental Mathematics, 1st Edition: Robert F. Blitzer
  318. Thinking Mathematically, 7th Edition: Robert F. Blitzer
  319. Wardlaw's Contemporary Nutrition, 10th Edition: Anne Smith & Angela Collene
  320. Mathematical Statistics: An Introduction to Likelihood Based Inference, 1st Edition: Richard J. Rossi
  321. Asking the Right Questions, 11th Edition: M. Neil Browne & Stuart M. Keeley
  322. Asking the Right Questions, 11th Edition, Global Edition: M. Neil Browne & Stuart M. Keeley
  323. Crash Course Cardiology, 4th Edition: Antonia Churchhouse & Julian O. M. Ormerod & Michael Frenneaux
  324. A Graphical Approach to Precalculus with Limits, 7th Edition: John Hornsby & Margaret L. Lial & Gary K. Rockswold
  325. Unlocking Equity and Trusts, 5th Edition: Mohamed Ramjohn
  326. Public Speaking: The Evolving Art, 4th Edition: Stephanie J. Coopman & James Lull
  327. Social Psychology, 8th Edition: Michael Hogg & Graham Vaughan
  328. Human Resources Management in Canada, 12th Canadian Edition: Gary Dessler & Nita Chhinzer & Nina Cole
  329. Law Core Textbook Bundle: Equity and Trusts, 8th edition: Alastair Hudson
  330. Living Ethics: An Introduction with Readings: Russ Shafer-Landau
  331. Microsoft Project 2019 Step by Step, 1st Edition: Cindy Lewis & Carl Chatfield & Timothy Johnson
  332. Global Business Ethics: Responsible Decision Making in an International Context, 1st Edition: Ronald D Francis & Guy Murfey
  333. Construction Management: Theory and Practice, 1st Edition: Chris March
  334. Harrison's Endocrinology, 4th Edition: J. Larry Jameson
  335. Harrison's Neurology in Clinical Medicine, 4th Edition: Stephen Hauser & S. Andrew Josephson
  336. English Grammar Workbook For Dummies with Online Practice, 3rd Edition: Geraldine Woods
  337. Naked: The Dark Side of Shame and Moral Life, 1st Edition: Krista K. Thomason
  338. Ashcraft's Pediatric Surgery, 6th Edition: George W. Holcomb III & J. Patrick Murphy & Daniel J Ostlie
  339. Mobile Apps Engineering: Design, Development, Security, and Testing, 1st Edition: Ghita K. Mostefaoui & Faisal Tariq
  340. Lange Clinical Neurology, 10th Edition: Roger Simon & David Greenberg & Michael Aminoff
  341. International Textbook of Diabetes Mellitus, 2 Volume Set, 4th Edition: R. A. DeFronzo & E. Ferrannini & Paul Zimmet & George Alberti
  342. Java Programming, 9th Edition: Joyce Farrell
  343. Discovering Behavioral Neuroscience: An Introduction to Biological Psychology, 4th Edition: Laura Freberg
  344. How the Immune System Works, 5th Edition: Lauren M. Sompayrac
  345. Fundamentals of Electroceramics: Materials, Devices, and Applications, 1st Edition: R. K. Pandey
  346. Essentials of Hospital Neurology, 1st Edition: Karl E. Misulis & E. Lee Murray
  347. Biology of Humans: Concepts, Applications, and Issues, 6th Edition: Judith Goodenough & Betty A. McGuire
  348. Williams Textbook of Endocrinology, 13th Edition: Shlomo Melmed & Kenneth S. Polonsky & P. Reed Larsen & Henry M. Kronenberg
  349. Financial Management: Principles and Applications, Global Edition, 13th Edition: Sheridan Titman & Arthur J. Keown & John D Martin
  350. Case Studies in Immunology: A Clinical Companion, 7th Edition: Raif S. Geha & Luigi Notarangelo
  351. Handbook of MRI Technique, 4th Edition: Catherine Westbrook
  352. MRI: Basic Principles and Applications, 5th Edition: Brian M. Dale & Mark A. Brown & Richard C. Semelka
  353. Robbins Basic Pathology, 10th Edition: Vinay Kumar & Abul K. Abbas & Jon C. Aster & Vinay Kumar & Abul K. Abbas & Jon C. Aster
  354. Rosen's Emergency Medicine: Concepts and Clinical Practice: 2-Volume Set, 9th Edition: Ron Walls & Robert Hockberger & Marianne Gausche-Hill
  355. BNF for Children: 2018-2019, 1st Edition: Paediatric Formulary Committee
  356. Sitaraman and Friedman's Essentials of Gastroenterology, 2nd Edition: Shanthi Srinivasan & Lawrence S. Friedman
  357. Practical Gastroenterology and Hepatology Board Review Toolkit, 2nd Edition: Kenneth R. DeVault & Michael B. Wallace & Bashar A. Aqel & Keith D. Lindor
  358. Reinforcement Learning: An Introduction, 2nd edition: Richard S. Sutton & Andrew G. Barto
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Banca internacional #03 UK LT BG MT DE – Intro EU y Fintech

Este contenido fue publicado originalmente el 06/08/2019 - Aca
Posts anteriores de la serie

Background e intro
La Union Europea y en cuestión el Area Economica Europea o single market es un colectivo de veintiocho estados, cuales en su mayoría abolieron todo tipo de controles migratorios internos. También llamado Area Schengen, aunque esta, no incluye los veintiocho miembros sino, veintiséis.

De la misma manera, el “single market” o Eurosystem, mercado común europeo y su moneda de facto el Euro, ISO 4217 : EUR no se usa en todos los miembros del área política. Sin embargo todos los miembros de la Union Europea y varias de las jurisdicciones que no usan el Euro como su moneda de intercambio oficial (Romania, Polonia, Suiza, Dependencias de la corona, etc.) son parte del área SEPA compuesta por 36 miembros.

SEPA, Single Euro Payment Area es un protocolo de créditos y débitos bancarios entre personas físicas o legales de rápida ejecución operando 100% bajo el estándar IBAN. Es moderno comparado con otros sistemas similares como el ACH o wires locales americanos, ciertamente anticuados y de un costo mucho mas alto de operar.

Por regulación del ECB (European Central Bank) los pagos SEPA ya sean créditos o débitos deben ser gratuitos y se considera ilegal cobrar por una transferencia SEPA.

Esto dicho, varias instituciones cobran un “fee” por la ejecución de transferencias SEPA bajo alguna descripción a modo de eufemismo.

Si bien SEPA es considerado relativamente moderno, SEPA ICT (Instant Credit Transfer) ya se encuentra desarrollado y en proceso de implementación. Bajo el nuevo standard, las transferencias SEPA son ejecutadas en tiempo real con el fin de incentivar la implementación y adopción de las tecnologías fintech desarrolladas por privados bajo el tutelaje del ECB.

Desde hace aproximadamente diez años, el ECB comenzó a liberalizar el mercado bancario a modo de desconcentrar el monopolio de la banca europea. De esta manera dieron comienzo a las entidades EMI (Electronic Money Institutions). Entidades quasi bancarias, las cuales pueden ofrecer IBANs personales de manera instantánea y emitir tarjetas de pago (en general no debito sino prepagas directamente ligadas a una cuenta personal).

Regulación

La flexibilización de la banca europea via fintech tiene sus rarezas, la mayoría de las nuevos “bank challengers” usaron frases del tipo “we are not a bank, we are better tan a bank” y similares. Muy cool a los ojos de un millenial rebelde sin embargo el wording es exacto. Una entidad EMI no es un banco, no está siquiera remotamente cerca de serlo. Estas entidades no operan con efectivo, ni en general ofrecen créditos, o inversiones o tasas de interés (mas allá de que la tasa de interés del ECB se encuentra en el área negativa hace años) porque la verdad es que una entidad EMI no está a autorizada a tomar depósitos en Euros.

Cuando decimos “Electronic Money Institution” en realidad debería leerse más como “token”, la gente que usa crypto entenderá de manera más fácil. Al momento del depósito, la entidad mueve nuestros Euros a una cuenta a su nombre en una entidad bancaria real en general en la jurisdicción en la cual está registrada y licenciada aunque esto no es necesario. Los depósitos, a diferencia de un banco, no se pueden ofrecer a modo de prestamos ni se pueden invertir y se deben mantener segregados. Como una especie de cuenta escrow. En el mismo momento, de manera instantánea intercambia 1 for 1 cada euro por un token dentro de su plataforma al que le podemos poner el símbolo y nombre de euro pero al mismo tiempo no lo es. Al momento de efectuar un pago fuera de la plataforma el ejecutor intercambia nuevamente nuestro token por 1 euro cash que se encuentra depositado en la cuenta escrow y lo envía via SEPA o SEPA card hacia un comercio o una persona física/juridica a modo de pago.

Esta pequeña diferencia hace que el statement “we are not a bank” tenga un significado mucho más verosímil en lo legal de lo aparentemente anunciado. Y por esta razón, suelen lidiar con clientes de mayor riesgo que un banco tradicional. A manera de un sandbox monetario.

El problema principal, más allá de la oferta de banca básica y el peligro de que la entidad desaparezca de la noche a la mañana sin dejar rastro. Los depósitos en las EMIs no están cubiertos por el seguiro de depósitos de ninguna jurisdicción ni por el ECB.

En un comienzo, hace unos años uno podía abrir una cuenta en algún país del báltico, recibir una tarjeta MasterCard en Euros y empezar a recibir pagos de manera instantánea luego de un onboarding básico de 5 minutos vía una App. Algunos proveedores inclusive ofrecen una dirección de Bitcoin a la cual, si uno envía BTC, es convertido automáticamente a depósitos en EUR a la cotización del momento del clearing de la transaccion. Suena too good to be true no?

Bueno MasterCard y Visa también pensaron eso. En el 2018 cancelaron todas las tarjetas de los EMIs en Europa y renegociaron las licencias de emisión. Muchos proveedores de servicios financieros nunca emitieron tarjetas nuevamente y se dedicaron solo a cuentas virtuales. Los proveedores que sobrevivieron y encontraron su nicho se vieron en una situación grow or die.

Pero como se puede crecer sin poder ofrecer más servicios bancarios, crypto estaba sufiendo un slump terrible… Ah si, licencias bancarias.

Y así llegamos al presente, donde “we are not a bank” es una falacia y si, ya somos un banco. Tenemos una licencia, aseguramos tus depósitos y podemos ofrecer más servicios bancarios. El passporting de servicios está en toda su gloria, a costo de muchos de nuestros beneficios. La consecuencia principal? Todos los usuarios de riesgo, eliminados. Non-residents? Fuera, Gambling? Fuera, Crypto trading? Fuera…

KYC más estricto(si se lo puede llamar asi), mayor escrutinio de transacciones, CRS, suspensiones de cuentas y otros detalles están a la orden del día.

En la situación actual, siguen existiendo EMIs que hacen menos preguntas al costo de algunos Euros por mes. Donde podemos enviar y recibir fondos de un crypto Exchange o de TransferWise (a contrariedad de BruBank*… EJEM…*) y operar pagos de manera normal. No es un arreglo definitivo pero es de bajo costo y puede servir de “buffer” entre negocios que pueden atraer cierto escrutinio a nuestras cuentas en banco tradicionales.

Obviamente esto es un arma de doble filo y afecta a todos los miembros de la cadena de la misma forma. En mi caso, tuve que hacer un “White listing” luego de un intercambio de emails con soporte, de cuentas en Lithuania en las Crypto Exchanges que uso porque no querían procesar mis depósitos y ponían todas mis transacciones on hold de manera indefinida. La explicación? “Too much fraud from those suppliers”.

Esto dicho, para las instituciones que no son crypto friendly, esto puede ser la salvación. Un depósito de otra cuenta a tu nombre es mejor que un depósito a nombre de Kraken Payward o Bitstamp Limited.

Las licencias bancarias son un gran desarrollo para el mundo fintech europeo, lamentablemente tiene un gran costo a nivel usuario. Hay muchos menos proveedores que ofrezcan servicio a no residentes.

Los riesgos de los EMIs son reales, muchos han desaparecido sin dejar rastro, otros como WorldCore se vieron enrollados en lavado de dinero Ruso y cancelación masiva de sus tarjetas por parte de Visa y MasterCard Europe a punto tal que se vieron obligados a cerrar. WorldCore sigue en venta hoy día. SataBank un banco digital basado en Malta de capitales Bulgaros entro en administración para nunca más reaparecer.

Otros tuvieron que reinventarse o separarse. PayMix se disolvió en dos compañías una para personas físicas y otra para personas legales. Ejemplos de este tipo existen por montones.

Instituciones de interés

Globitex – UK/Lithuania
https://globitex.com/euro-wallet
Licencia: Crypto UK/Wallet EMI Lithuania
Cuentas: Personal/Business
Tarjeta: No.
No residentes: Si.
Detalle: Globitex es un crypto broker el cual simplifica el intercambio de crypto por fiat via el uso de un servicio de wallet (EMI) el cual posee un IBAN personalal y unico a nombre del UBO de la cuenta.
El servicio tiene algunos costos sin embargo es una buena alternativa para ejecutar pagos via SEPA.
En este momento 14 dias de trading sin costo, imagino que las operaciones de la cuenta si tienen costo, sin embargo desde que empezaron a ofrecer el servicio, los cargos por operar se han reducido substancialmente.

MisterTango – Lithuania
https://www.mistertango.com/en/
Licencia: EMI
Cuentas: Personal/Business
Tarjeta: Temporalmente suspendidas.
No residentes: Si.
Detalle: Las cuentas funcionan, la mía personalmente desde hace más de 2 años. Existe integración a su propia exchange de crypto. Ofrecen servicios para traders de crypto y dirección de BTC con deposito a EUR instantáneo.
Hay que tener en cuenta que la oferta de servicios en el pasado era muy superior. Incluía dirección de BTC, transferencias SWIFT, transferencias SEPA, tarjeta MasterCard Euro, acceso al Exchange, top up de la cuenta via tarjetas de debito/crédito y opción de una API para facturar.
Hoy día está dividido en diferentes segmentos y el pricing varía según el paquete elegido, nacionalidad y residencia.

LeoPay – Bulgaria
https://leopay.eu/
Licencia: EMI
Cuentas: Personal/Business con preferencia a Estonian e-residents.
Tarjeta: Si, debito Visa, con condición de dos tarjetas por cuenta o una tarjeta por currency.
No residentes: Si.
Detalle: Originalmente llamado LeuPay registrado en Malta de capitales Bulgaros. Usaban de backend SataBank, así que si leyeron lo anterior entenderán el cambio de nombre de la entidad.
Cuentas multicurrency en EUR, USD, GBP, CHF, RON, HRK, JPY, BGN, PLN, CZK.

Paysera – Lituania
https://www.paysera.lt/v2/lt-LT/index
Licencia: EMI
Cuentas: Personal/Business. Es posible obtener más de una cuenta por cliente.
Tarjeta: Si, debito Visa.
No residentes: Si.

PayMix Pro – Malta
https://www.paymix.pro/
Licencia: Institución financiera Maltesa
Cuentas: Business
Tarjeta: Debito
No residentes: Si.

Prospero – Malta
https://www.yourprospero.com/
Licencia: Institución financiera Maltesa
Cuentas: Personal
Tarjeta: Debito
No residentes: Si.

Deutsche Handelsbank – Alemania
https://www.handelsbank.com/en/bc/home-business-customers.html
Licencia: Bancaria propia.
Cuentas: Business. Es posible obtener más de una cuenta por cliente.
Tarjeta: No.
No residentes: Si.
Detalle: Es un pequeño banco alemán que se especializan en cuentas únicamente para personas legales con licencia y backend bancario propio.

N26 – Alemania
Licencia: Bancaria propia.
Cuentas: Personal/Business
Tarjetas: Debito/Crédito
No residentes: No*.
Detalle: No aceptan no-residentes en el Area economía europea, sin embargo si aceptan pasaporte Argentino y cualquier numero de móvil. El requerimiento es una dirección de correo en el Área Económica para recibir la tarjeta. (Chripre no es una opción para la dirección).

Revolut – Lithuania/UK
https://www.revolut.com/
Licencia: Bancaria propia (UK)
Cuentas: Personal/Business.
Tarjeta: Si, variedad dependiendo del tier.
No residentes: No*
Detalle: Revolut evoluciono desde una licencia de EMI a una entidad con licencia bancaria. Siempre en las noticias por las razones equivocadas, han quedado atrás los días en los que la banca Lituana los decepcionaba. Lamentablemente los reportes de cuentas congeladas persisten y rehabilitarlas puede tardarse meses.
Revoluto ofrece tarjetas con conversión de divisas usando el mid-market rate y sin FX conversion fee. Ofrecen crypto trade (CFDs) y muy recientemente una plataforma de inversiones. Si han leído mi post titulado Banca internacional #02 – United Kingdom, where it all began y repararon en el detalle de que la licencia bancaria es de Reino Unido, si, están en lo correcto. Esta entidad no puede técnicamente aceptar no-residentes si tiene una licencia bancaria ringfenced. Sin embargo, tal como es el caso con varias de alternativas, una dirección de correo dentro de Reino Unido o Europa suele bastarle a los clientes para hacerse de una cuenta.
UPDATE: Recientemente Revolut agrego un setting muy interesante, la cual permite, una vez registrados como clientes cambiar la residencia fiscal. No hay muchos datos con respecto a qué efectos tiene sobre la cuenta más allá de una suspensión quasi instantánea. Sin embargo! Según la jurisdicción de residencia fiscal seleccionada, también nos puede dar como opción “Email us to [[email protected]](mailto:[email protected]) and let’s see what we can do.”

TransferWise
https://transferwise.com/
Licencia: Money transfer (UK), EMI (Lithiania)
Cuentas: Personal/Business y Borderless, 4 currencies GBP, EUR, NZD, AUD y condicionalmente USD.
Tarjeta: Si, MasterCard para residentes del Area Economica Europea.
No residentes: Si.
Detalle: Conocido por casi todos hoy día, la aplicación de cabecera para remittances elegida por todos los millenials. No es la mejor sin embargo es la que tiene mejor publicidad y estrategia.
Se sabe que hay clientes quienes han usado datos postales europeos para registrarse y han logrado recibir la tarjeta en condición de no residentes.

Disponibles fuera de sus países de registro en breve

Insha – Alemania con backing de Al Baraka (Turquía)
https://www.getinsha.com/
Detalle: Primer banca islámica digital en Europa. Que esto no los detenga en ver el servicio que ofrecen. Dado los servicios que ofrecen (y la carencia de interés computado en depósitos) es una plataforma idea para banca Islámica.

ToMoRRoW - Alemania
https://www.tomorrow.one/en-de/
Detalle: Banca alemana sustentable.

Kontist – Alemania
https://kontist.com/
Detalle: Banca digital para pequeños negocios o freelancers con implementación de contabilidad y taxación.

Tarjetas

Algunos EMIs solo ofrecen tarjetas. En general son productos sub-prime y consecuentemente los fees son usureros. No voy a entrar en detalle sobre el ofrecimiento de servicios de estos proveedores, pero les dejo algunos por una cuestión de mera curiosidad y cobertura de alternativas.


Nota final
Existen muchos servicios más de tipo pseudo bancario en Europa. Podría publicar un post infinito con 500 URLs y links a cada uno de ellos. Muchos con respaldo de Bancos centenarios y prácticamente todos con requerimiento de residencia en la Unión Europea. Si desean mas información, puedo hacer un post apartado. Pero más allá del landing page, no van a poder utilizar ningún servicio.
Es más fácil abrir una cuenta en un banco normal para no residentes en Europa de manera personal que intentar circunventar la legislación y regulación pertinente a los bancos o EMIs digitales reservados para Europeos.

Donations.
Token Wallet address BTC 19xvUdQoZosrzYKNaTCK834zRkg5Bogop BCH qqqmyqjspnq0fazk9wvv0elc8vxdp2rkvgfqs3s87x LTC LKNvBgwEtE3w7oEUYiSVb96qCe7xFDBvp8 ETH/DAI 0x1cbbcf2ca8849893ad7feac5ef5c735f6d91fa4e XMR 44AXEt8ZkmjgGuUrPaoNTzBGhp92L3HozSYxAip7dz8qL6A3neJBriLRSjC8Qnam4tEhfw2yXzcXsbZ2dJiWHDC7Ji8nBvx 
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Crypto-Powered: Build on Legacy Finance, Prepare To Die

Crypto-Powered: Build on Legacy Finance, Prepare To Die
The success of today’s high-flying fintech unicorns will be short-lived as long as they’re building on legacy financial infrastructure.
https://reddit.com/link/hmw3sm/video/7sbwo5nh7g951/player
This is the first post of our Crypto-Powered series where we look at what it means for Genesis Block to be a digital bank that’s powered by crypto, blockchain, and decentralized protocols.
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Today we start a new series called Crypto-Powered. This will be similar to our last series, Spreading Crypto, but now we’re exploring a new theme. At Genesis Block, we’re building a digital bank that’s powered by crypto, blockchain technology, and decentralized protocols. Yes, lots of buzzwords.
What does any of it mean? How does it give us an unfair advantage? What superpowers are unlocked? What are the benefits for users?
In this series, we’ll answer all of these questions. Grab some popcorn. Sit down. Put your feet up. Make yourself comfortable. Let us take you on a journey. Let us be your tour guide down the crypto rabbit hole…
But hold on! Pump those brakes. Before we dive into the crypto rabbit hole, we need to establish some context. We can’t talk about the future of money unless we first understand the problems of money today. We need to understand what’s broken with legacy finance. So let’s do a quick primer on the current state of finance. That will set the stage for the rest of the series. Alright, let’s go.

Fintech & Unbundling

Over the last decade, legacy financial institutions (banks in particular) haven’t been meeting the needs of younger, more digital generations. As a result, fintech startups have emerged and effectively unbundled the consumer banking stack. Whether it was Robinhood for investing, TransferWise for cross-border payments, SoFi for student loans, Wealthfront for wealth management, or Digit for saving… these innovative upstarts all focused on a single use-case and nailed it.
https://preview.redd.it/iwrpg6ek7g951.png?width=800&format=png&auto=webp&s=7648d28955ea4e12795826dc78cdf70d41ffaef1
While great for a period, this led to a lot of fragmentation. Users needed to split their finances across many different services and keep track of what money was where. The cognitive load for many users became overwhelming.

Re-bundling of Finance

As we’ve seen in other industries (eg. media/entertainment), the pendulum swings back to bundled services (Cable TV → Individual Digital Channel Subscriptions → YoutubeTV/Hulu/Disney+), but in a better, more valuable, digital experience for end-users.
https://preview.redd.it/lbmz9gdm7g951.png?width=1200&format=png&auto=webp&s=877da74b64118566a8f630aed706ae1ba6b1ed0f
In the last few years, we’ve started to see a re-bundling of consumer finance. But instead of users going back to traditional banks, the rising generation is choosing to bank directly with these innovative, digital fintech companies.
Each of the startups mentioned above is now offering a more bundled experience with checkings accounts, debit cards, and other financial services. In Europe, we’ve seen the enormous rise of neo/challenger banks like Revolut, Monzo, N26 — all-in-one solutions for modern, consumer finance. That trend is starting to grow in North America with apps like Chime (the original was Simple)
We believe this bundled approach is here to stay — especially for the younger, more mobile, digital generation. They prefer convenient, easy-to-use, all-in-one solutions that require little effort & minimum commitment.
https://preview.redd.it/ko085lp18g951.png?width=800&format=png&auto=webp&s=8ae7e6b87a2a41257fd4816faf60a0bb702c5896

Building on Legacy Finance

While many of these high-flying fintech unicorns have seen incredible success, I believe it will be short-lived as long as they’re building on legacy financial infrastructure. It’s a realization I’ve come to only recently.
In years past, whenever I met a fintech entrepreneur, they’d always suggest that they’d never do a startup in traditional finance again. Too complex. Too expensive. Too slow. I always shrugged it off. Wimps. How hard can it be?
I really didn’t believe or understand that pain until we started Genesis Block. And it wasn’t until we began integrating with some of our partners (Evolve Bank & Trust, I2C, Visa, etc) that I really started to understand.
https://reddit.com/link/hmw3sm/video/vei2flrq7g951/player
The rumors are true. Those fintech entrepreneurs were all right. The pain is real.
Trying to innovate in legacy finance is like running on a hamster wheel blindfolded while powerful, evil rats randomly throw explosives inside.
It feels like you are never making any progress and at any moment you can be destroyed. Luckily at Genesis Block, we’re only integrating with legacy finance at the edges — the onramps and offramps (money in, money out). We’ve worked with great partners and so far have been able to navigate the treacherous terrain.

Legacy Finance is Broken

You must be wondering why and how is it so bad. It’s all the things you’d expect…
The antiquated tech stack of financial institutions. The frustrating process of working with big, bureaucratic, slow-moving organizations. The prehistoric payment systems that haven’t improved in decades (for example, ACH payments and their strange batch processing practices). The countless unnecessary middle-men on every card swipe (merchant, acquiring bank, processor, card network, issuing bank). The slow settlement times. Systems rife with fraud. An industry oozing with predatory practices and unethical behavior. The moth-eaten laws & regulations that are NOT innovator-friendly (mostly due to powerful Wall Street incumbents who control politicians).
https://reddit.com/link/hmw3sm/video/2hdxxch38g951/player
The list goes on and on. Maybe someday we can dedicate an entire series to it. It’ll be a good bedtime story.
The more familiar I become with how legacy finance works, the more convinced I am that the future of money cannot be built on that foundation.
The fintech darlings of Silicon Valley are all building on extremely shaky ground that is ripe for massive disruption.
They will spend so much time looking backward (integration, compatibility, regulation) that they will have very little time to look forward (innovation, progress, disruption). They will be tangled in the quagmire of archaic tech and the tentacles of outdated regulation.
I don’t believe the ultimate winners in consumer finance will come from the current cohort of fintech unicorns. And that’s because these companies are all building on the pipes of legacy finance.

The Future of Money

The future of money will be built on a foundation that is digital, open-source, permissionless, and decentralized. The future of money will have no borders or middle-men. The future of money will have no institutions or governments controlling or censoring it.
The future of money will be built on blockchain technology. The future of money will be built on “crypto rails.” The future of money is crypto. It’s the missing piece of the internet age — and quite frankly, long overdue.
This is an entirely new paradigm. New infrastructure. New pipes.
https://reddit.com/link/hmw3sm/video/26tjp8vn8g951/player
While blockchain technology provides a strong base, this tech alone won’t be sufficient. As discussed in our last series (Spreading Crypto), these powerful protocols need killer applications to reach broader adoption. The apps need to be simple, convenient, and require no blockchain education. They need to fit nicely within existing workflows and behaviors. A digital bank like Genesis Block is a perfect app to propel crypto to the masses.
At Genesis Block, that’s the foundation we’re building on — a powerful combination of the underlying technology and our unique approach in how it’s delivered.
The future of consumer finance belongs to those who build with blockchain technology & decentralized protocols at its core, and know how to best take it to the billions of people around the world.
That’s our thesis at Genesis Block. Our last series went deep on how the tech reaches and touches end-users. This new series is all about what’s under the hood — crypto & blockchain — and how that gives us an unfair advantage in the world of consumer finance.

Clone Wars

While some fintech products are giving users the ability to buy & hold crypto (Robinhood, Revolut, Cash App), they aren’t leveraging the technology beyond that. And they most certainly aren’t building their infrastructure around it.
So let’s ask the dumb VC question that some of you are thinking: what if these fintech companies or big banks just copy what we’re doing at Genesis Block? What if they add blockchain and crypto?
https://reddit.com/link/hmw3sm/video/c0je9dvx8g951/player
Sorry, you can’t just “add crypto” as if a pizza topping in a Doordash order. That’s not how it works. I mean, you can say you are doing that, but it’s not real. That’s just Innovation Theater.
The systems behind banks and fintech are deeply integrated with legacy financial rails. Trying to retroactively add blockchain in any meaningful way would be like trying to make a 2020 Lambo with a 1910 Ford Model T engine. No matter how talented their engineers are, it just ain’t gonna happen. Not unless they burn it all down and start over. Massive risks. A classic case of Innovator’s Dilemma. Will anyone have the courage? I don’t know. I think they are much more likely to acquire someone like Genesis Block than gamble their entire business on it. But we aren’t cheap.
These new, decentralized protocols are complex, fast-moving, and full of snags. Our team has been in this space for many years — we understand the security tradeoffs, the protocol nuances (we spent a lot of time actually building them), and enough self-awareness to know what we don’t know.
Our team at Genesis Block can run circles around traditional banks and fintech companies. Certainly, they have large audiences and strong balance sheets — which can’t be underestimated. But when it comes to unlocking the enormous, new value to users, as long as the incumbents are building on legacy financial infrastructure, they simply cannot compete with us.

Crypto-Powered

The empires created in the 21st-century world of finance will be crypto-native companies that deeply understand decentralized tech and know how best to leverage it. It will be the teams who build on “crypto rails” first, with bridges back to legacy finance second.
That’s our thesis at Genesis Block. In this series, we intend to lay out a convincing argument for why that’s true.
So now that the stage is set and we’ve introduced the series, I think you’re ready to start learning why blockchain technology is our superpower, our unfair advantage.
You are ready to dive into that crypto rabbit hole.
But first, a word of caution. Once you go in, you may never want to come out. It’s what happened to me and so many others.
Once you see the potential & promise of this incredible technology, you won’t be able to ignore it. You won’t stop thinking about it. It’ll capture your imagination like few other things can.
Don’t be afraid of it. Let it take you.
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Other Ways to Consume Today's Episode:
We have a lot more content coming. Be sure to follow our channels: https://genesisblock.com/follow/
Have you already downloaded the app? We're Genesis Block, a new digital bank that's powered by crypto & decentralized protocols. The app is live in the App Store (iOS & Android). Get the link to download at https://genesisblock.com/download
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Mejorando dividendos empresariales con Faswet y criptomonedas

Mejorando dividendos empresariales con Faswet y criptomonedas
https://preview.redd.it/k9e0s0ao6x651.png?width=878&format=png&auto=webp&s=ee119874768e731c370aa5a4134ebf75008c80bf
Talal Hachem, fundador y CEO de Emet Business Group será en el encargado de liderar este jueves 25 de junio el webinar sobre el uso y aprovechamiento de criptomonedas para empresas por medio del módulo de negocios de Faswet. Al final de esta nota encontrarás los enlaces de contacto e información
Lo que viene sucediendo durante el primer semestre del 2020 debido a la crisis causada por el Covid-19 ha acelerado la adopción del uso de criptomonedas, no solo por individuos sino por empresas que cada vez más las incluyen dentro de sus portafolios de servicios.
Esto se debe al potencial de uso que los empresarios vienen descubriendo, tanto como método de pago, como para mejorar los rendimientos de sus operaciones evitando los altos costos de transacciones tradicionales.
Desde el 2016 y con particular énfasis durante este 2020, el crecimiento de empresas que buscan incluir criptomonedas dentro de sus proyectos empresariales ha sido de un 28%.
Una de las razones centrales por las que se adelanta la charla magistral sobre criptomonedas dentro del mundo empresarial, que se dará este jueves 25 de junio a las 2 de la tarde por parte de Talal Hachem, el CEO y fundador de Emet Business Group. Este webinar hace parte del ciclo de educación sobre blockchain y criptomonedas que viene entregando cada jueves Emet.
Enlace para reservar e ingresar al evento
El CEO y fundador de Emet, Talal Hachem nos guiará desde su experiencia todas las ventajas del uso de criptomonedas en el ámbito empresarial y cómo por medio del módulo de negocios de Faswet, no solo se eliminan intermediarios, se logra mejorar el flujo de contactos con clientes potenciales.
Con la utilización de esta herramienta de Faswet, un empresario puede hacerse cargo de la ejecución de tareas administrativas para mejorar el flujo de procesos de todo tipo para cualquier opción de negocio.
Talal Hachem y Andrés Camargo (Co-Fundador de Emet) llevarán a cabo un recorrido ilustrativo y pedagógico sobre los beneficios competitivos que puede obtener cualquier tipo de empresario al usar Faswet.
Estamos asistiendo a un momento histórico particular que ha llevado a la sociedad a plantearse nuevos escenarios no solo en cuanto al comportamiento, sino a todas las relaciones incluyendo las comerciales que han resultado afectadas de manera radical.
Es por ello que Emet, brinda más opciones de trabajo para aquellos que están migrando a los ecosistemas en línea, para que sean usadas como herramientas para potenciar o iniciar un nuevo recorrido en esta dirección.
Crecer y ahorrar
Estas son las ventajas centrales que otorgan los servicios tomados bajo el amparo de blockchain y por supuesto de las criptomonedas como parte de sus métodos de pago, ya que sale del panorama los costos relacionados con sostener al sistema financiero heredado, pagos que se convertirán en retornos efectivos dedicados al crecimiento empresarial.
De otro lado está la posibilidad de crear redes de trabajo asociados al sector desbancarizado que está creciendo cada día más debido al furor de la descentralización y el sector de Fintech.
El módulo de negocios que ofrece Faswet permite la organización de negocios y pagos relacionados con el mismo, permitiendo que las finanzas de tus emprendimientos lleguen a un nivel superior.
Todo el cambio al que asistimos, tanto tecnológico, como social, obedece a las necesidades ecológicas, energéticas y de optimización de recursos, al que pertenece Faswet y Emet, que ponen a disposición de sus usuarios herramientas que contribuyen con mejorar nuestro entorno dejando atrás usos como el consumo de papel, que aumentan la huella de carbono.
Talal Hachem y Andrés Camargo se encargarán de darnos un recorrido por esta herramienta de Faswet de manera didáctica, al tiempo que nos dan evidencias sustentadas de cómo las criptomonedas y blockchain están cambiando radicalmente la forma de hacer negocios en el mundo.
Luego de la culminación de la charla, los conferencistas entregarán recompensas en Bitcoin:
No te puedes perder este evento, ingresa a este enlace: https://www.facebook.com/EmetBusiness/posts/598408280787130 y recibe toda la información.
Puedes consultarla también en nuestras redes sociales:
Facebook: https://www.facebook.com/EmetBusiness/
Twitter: https://twitter.com/emet_business
Instagram: https://www.instagram.com/emetbusinessgrouplatam/
LinkedIn:https://www.linkedin.com/company/emet-business-group-criptomoneda/
Telegram: https://t.me/Faswet
https://t.me/Emetenjoy
Reddit: https://www.reddit.com/useEmetEnjoy
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Report on Filecoin And PoC Projects

Report on Filecoin And PoC Projects
Author: Gamals Ahmed, CoinEx Business Ambassador
ABSTRACT
A Blockchain is a continuously growing record, called blocks, which are linked and secured using cryptography such as hashing. Each block contains a hash pointer as a link to the previous block, a timestamp and transaction data. Filecoin is a decentralized storage network that turns cloud storage into an algorithmic market. The market runs on a blockchain with a native protocol token (also called Filecoin), which miners earn by providing storage to clients. The first section of report is demonstrate the filecoin which is a decentralized storage system used to encrypt files that we need to share it through blockchain platform. The second section is explain briefly blockchain Proof of Concept (POC) which is a process of locate whether a Blockchain project idea can be feasible in a real-world situation, need of proof of concept and blockchain proof of concept stages.
1.Introduction
Filecoin is a protocol token whose blockchain runs on a novel proof, called Proof-of-Space time, where blocks are created by miners that are storing data. Filecoin protocol provides a data storage and retrieval service via a network of independent storage providers that does not rely on a single coordinator, where: (1) clients pay to store and retrieve data, (2) Storage Miners earn tokens by offering storage (3) Retrieval Miners earn tokens by serving data.
Filecoin is a decentralized storage network that turns cloud storage into an algorithmic market. The market runs on a blockchain with a native protocol token (also called Filecoin”), which miners earn by providing storage to clients. Conversely, clients spend Filecoin hiring miners to store or distribute data. As with Bitcoin, Filecoin miners compete to mine blocks with sizable rewards[1].
Filecoin mining power is proportional to active storage, which directly provides a useful service to clients (unlike Bitcoin mining, whose usefulness is limited to maintaining blockchain consensus). This creates a powerful incentive for miners to amass as much storage as they can, and rent it out to clients. The protocol weaves these amassed resources into a self-healing storage network that anybody in the world can rely on. The network achieves robustness by replicating and dispersing content, while automatically detecting and repairing replica failures. Clients can select replication parameters to protect against different threat models. The protocol’s cloud storage network also provides security, as content is encrypted end-to-end at the client, while storage providers do not have access to decryption keys. Filecoin works as an incentive layer on top of IPFS [1], which can provide storage infrastructure for any data. It is especially useful for decentralizing data, building and running distributed applications, and implementing smart contracts [2].
Filecoin[2] based on IPFS[3] proposes a completely decentralized distributed storage network where customers and storage miners request services and submit orders to the storage and retrieval markets. And the miner provides a service to view matching quotes to initiate a transaction. The protocol guarantees the integrity of data storage by copying proofs and space-time certificates. The Filecoin protocol writes the order book, token transactions, and integrity challenge response records to the blockchain.
1.1 Blockchain
Blockchain is a characteristic data structure formed by combining data blocks in a chain order inchronological order[4], and cryptographically guarantees decentralized, non-tamperable, unforgeable distributed shared ledger system.
Figure 1 Blockchain Structure
1.2 Elementary Components in Filecoin
The Filecoin protocol builds upon four novel components :
  1. Decentralized Storage Network (DSN): We provide an abstraction for network of independent storage providers to offer storage and retrieval services.
  2. Novel Proofs-of-Storage: We present two novel Proofs-of-Storage,(1) Proof-of Replication allows storage providers to prove that data has been replicated to its own uniquely dedicated physical storage. Enforcing unique physical copies enables a verifier to check that a prover is not deduplicating multiple copies of the data into the same storage space, (2) Proof-of-Space time allows storage providers to prove they have stored some data throughout a specified amount of time.
  3. Verifiable Markets: We model storage requests and retrieval requests as orders in two decentralized verifiable markets operated by the Filecoin network. Verifiable markets ensure that payments are performed when a service has been correctly provided. We present the Storage Market and the Retrieval Market where miners and clients can respectively submit storage and retrieval orders.
  4. Useful Proof-of-Work: We show how to construct a useful Proof-of-Work based on Proof-of Space time that can be used in consensus protocols. Miners do not need to spend wasteful computation to mine blocks, but instead must store data in the network[2] [4].
1.3 Filecoin: Lifecycle of a File
In this section we mentioned the lifecycle for file in Filecoin, as follow:
  1. Put: Clients send information about the file, storage duration, and a small amount of Filecoin to the Storage Market as a bid. Simultaneously, Miners submit asks, competing to offer low cost storage. Deals are made in the Storage Market, on the blockchain.
  2. Send: The Client then sends the file to the Miner, and the Miner adds the file to a sector. The sectors are cryptographically sealed, with verification sent to the blockchain.
  3. Manage: Miners continuously prove they are storing all sectors they agreed to store. The client’s payment is released in installments. Additional currency is minted over time and awarded to Miners as a block reward, proportional to the storage they provide.
  4. Request: A Client requests a file with some payment in Filecoin to the Retrieval Market (off chain); the first Miner to send the file is paid. Eventually, the contract expires and the storage is once again free[5].
Figure 2 Filecoin Lifecycle of a File
1.4 Filecoin is Built with IPFS
The Interplanetary File System (IPFS) is a next-generation protocol to make the Web faster, safer, decentralized, and permanent. Since the initial IPFS release in January 2015, it has gained strong traction in a variety of industries and organizations. Today, IPFS is a foundational technology for many applications in the blockchain industry. Over 5 billion files have been added to IPFS, spanning scientific data and papers, genetic research, video distribution & streaming, 3D modeling, legal documents, entire blockchains and their transactions, video games, and more. IPFS and Filecoin are complementary protocols, and the adoption of the underlying IPFS protocol is a leading indicator of market demand for a faster, safer, decentralized storage service [6].
Some IPFS Users
Figure(3) IPFS users
1.5 IPFS Open Source Community
The IPFS Project is a large community of open source contributors driven to decentralize the web. The community is made up of thousands of developers and users who have been working together for several years, building valuable and widely used software tools. The same seasoned core developers of IPFS are also leading the design and development of Filecoin. The IPFS team has experience building ambitious sotware projects and coordinating thriving developer communities. A significant portion of the IPFS community plans to join the Filecoin network, building tools and applications on this new, exciting platform [ 7].
2. PoC PROJECTS:
2.1 What is PoC?
PoC is abbreviate of Project of Concept which is a process of determining whether a Block-chain project idea can be feasible in a real-world situation. This process is necessary to verify that the idea will function as envisioned. The best part about proof of concept blockchain meaning is that it will help you to get a clear idea of what you are doing before you even get started. Furthermore, the proof of concept in the blockchain niche isn’t for exploring the marketplace for ideas only. Moreover, you won’t determine the best way to start the production process. Instead, you’ll only work on your possible blockchain solution option and see whether it’s capable of being a reality or not. Developing a blockchain proof of concept would require an investment of time, money and resources. In reality, you’d need to get your hands on supporting technologies or even the physical components needed to get the perfect plan. Going through the process is necessary for enterprises to see whether their idea is visible before using all production level equipment for it. According to a recent Gartner survey, 66% of CIOs think that blockchain is here to disrupt the existing marketplaces. And many will spend more than $10 million on the experimentation of the technology. So, if you were confused with what is proof of concept blockchain, now you know just what it is [8]. PoC is used to demonstrate the feasibility and practical potential of any blockchain project in any field such as Energy, Communication, Services, Insurance and Healthcare. A PoC can either be a prototype without any supporting code or any MVP (Minimum Viable Product) with bare feature set. A PoC is a prototype that is used for internal organization who can have a better understanding of a particular project.
2.3 Why Companies Need a Proof of Concept?
Usually, the blockchain proof of concept is awfully popular among the startups in the market. However, proof of concept in blockchain can also be a great tool for the Enterprises as well. Mainly there are three points for needing it.
  • Test out the blockchain project before going for mass production.
  • Identify possible pain points that can make the project not useful.
  • Save an enormous amount of time and money.
Although anyone who comes up with a blockchain project idea will think that it will work, however, proof of concept in blockchain will test out your idea to ensure that you get the best version out of it, which will save up a lot of time and money in the process. Another major reason for you to use proof of concept for blockchain is to ensure that all the stakeholders love your idea and would be interested in investing in it. Whether you are just adding up a new type of feature in the existing blockchain solution or developing it from scratch blockchain proof of concept would let you take the fastest route possible. This relatively gives a different edge in the proof of concept blockchain meaning [9].
2.4 Proof of Concept Phases
Its explain as follows:
Figure (4) explains the steps of blockchain PoC
Step-1: Finding the Proper Blockchain Application Sectors That Adds Value
Let’s start with the first step of the theoretical build-up stage. Many of you don’t really know which application sectors are great for blockchain Proof of concept [10]. That’s why we are outlining some major application sector where you can use your solution. These are:
1.Finance
Let’s start with the financing sector. This sector is relatively popular among the blockchain community. Furthermore, there are many projects already that cover this sector and offer a lucrative solution for major issues. So, in that sense, this sector is quite competitive in case of blockchain PoC development. 2. Medical
The medical sector is another major blockchain application sector at present. There are count-less scenarios where blockchain can truly shine. Hospitals have to deal with a lot of falsifying reports and counterfeit drugs.
3. Asset Management
Maintaining asset in these times are relatively hard due to all the bad players in the market. Simple paper-based record keeping isn’t enough now. Moreover, due to political and other reasons, ownership management is at risk of becoming a corrupted sector.
4. Government
Many governmental institutions are falling behind in the race of digitization. Moreover, every citizen needs a better infrastructure which will give them the security they need. In reality, the government sector is unable to reserve the citizen rights properly.
5. Identity
Identity management is a big hassle when it comes to enterprises. Furthermore, many often impersonate other people’s identity and commit serious crimes. Even in trade financer, many companies have to deal with fake companies and fake documents.
6. IoT
Internet of things is a wonderful sector for proof of concept in blockchain development. Furthermore, this sector is responsible for linking all your smart applications together. Moreover, the device to device connection in a secured platform is necessary.
7. Payments
The payments sector is another awesome application point for your enterprise-grade solution. The blockchain system is more than capable of handling payments, and many of it also offer micro payments. Furthermore, it takes a really small amount of time to send money compared to the traditional banking system. Not to mention the reduction of fees in overseas payment.
8. Supply Chain
Big enterprise needs to have their eyes and ears in every step of the supply chain process. Furthermore, any minor errors could end up in a million dollars of loss. Obviously, you would not want that. Tracking where the raw materials are coming from and whether your products are truly authentic or not is one of the major pain points.
9. Insurance
The insurance industry is facing some serious problems regarding insurance claims and document authentication. Also, the enormous amount of paperwork that every single employee has to fill out is overly dreadful. Detecting fraud, managing all the documents in a secure environment is tough. So, if you introduce a blockchain framework that can solve all these issues would be a huge factor. However, the competition in this marketplace is a bit high; still, with proper blockchain proof of concept, it should be a great opportunity.
Step-2: Defining the Product
In the second stage of the theoretical build-up, you would need to think your blockchain Proof of concept just like any other product. Furthermore, you need to have a solid plan along with full support from all stakeholders. PoC Feature Requirements Define all the features that your enterprise blockchain solution needs. After deciding your blockchain application, you would probably have some idea on what features to add up.
Step-3: Investigating the Technology
After you’ve come up with the solid idea of what features to include and how to focus the road map, you would need to hand them off to the engineering team. Therefore, your team will then research the technology based on your requirements and come up with the best plat-form to develop it on.
  • Advice to make a successful Proof of Concept As we knew, a proof of concept is a project, and like any project it must be clearly defined. That means breaking down the process into these four steps in order to can manage it better.
  • Focus on a Specific Business Issue If you want to make the blockchain PoC framework a success, then you have to start with focusing your real-life problems. At the beginning of the theoretical build-up stage when you are looking for a popular sector of deployment, look for a specific issue. Furthermore, any problem that your idea can fix would be a big plus from the consumers’ end. Many blockchain proof of concept only focuses on the capabilities of the technology only. However, they just don’t resolve any new issues or even old issues.
  • Take Small Steps, Avoid Scope Creeps Another major thing that the enterprises face is the scope creeps. While choosing what features you might need for the blockchain proof of concept many go for too much from the start. However, making a flashier entrance in the market won’t mean 100% success. Further-more, get the ones that you can truly deliver, not the ones you aren’t capable of.
  • Connect All Ideas and Control Them You won’t be the only one coming up with all the ideas. As you already know you’d need to get yourself a good team that will back you up and helps you come up with a compact solution. However, not every single member of your team would agree with the same idea. Furthermore, they have different ideas and vision regarding the blockchain development too.
  • Construct a Thorough Plan Another hurdle in the way of proper proof of concept blockchain is the misinterpretation of the blockchain implementation challenges. Obviously, blockchain implementation isn’t an easy task. At the first stage, it might have many flaws that would end up in possible failure scenarios.
  • Test A Million Times After getting the design done, you’d need to go into the testing phase. However, the problem is many seem to enroll the MVP before properly testing it, which end up in failure. So, test out the MVP a lot of time before making it accessible to the end-users.
  • Collaborate With Other Parties Collaborating with other enterprises could help to take down the overall costing of the block-chain proof of concept. Furthermore, if you are a small to medium level enterprise than collaborating with other parties could help out with the production costing. It will solely depend on the feature or the type of blockchain PoC framework you want to work on.
  • The Right Amount of Staff The right amount of stuff is always necessary to pull off a blockchain proof of concept project. Furthermore, you would need to recruit staffs that have blockchain skills or have an intellectual concept of the technology. Get the necessary amount of stuff with blockchain skill set to perfect the Blockchain Proof of Concept..
3. Conclusion
This report explain a distributed storage scheme based on blockchain technology( Filecoin), and introduces the system design in detail in first part , we have studied about blockchain technology related for Filecoin(decentralized storage network), Filecoin, a highly-anticipated decentralized storage network (under development), announced that there will be more delays before its Mainnet can be officially launched. Created by Protocol Labs, Filecoin has been developed using the InterPlanetary File System (IPFS), an established peer to peer data storage network. The Filecoin software will allow users to trade storage space in an open and decentralized market place.In the second part we mentioned a proof of concept (PoC), The Blockchain Proof of Concept is a demonstration to verify that certain concepts or theories have the potential for real-world application. PoC represents the evidence demonstrating that a project or product is feasible and worthy enough to justify the expenses needed to support and develop it.
REFERENCES
[1] Juan Benet. IPFS — Content Addressed, Versioned, P2P File System. 2014.
[2] Protocol Labs. Filecoin: A Decentralized Storage Network. https://filecoin.io/ filecoin.pdf, 2017.
[3] Benet J. IPFS-content addressed, versioned, P2P file system[J]. arXiv preprint arXiv:1407.3561, 2014.
[4] Liu AD, Du XH, Wang N, Li SZ. Research Progress of Blockchain Technology and its Application in Information Security. Ruan Jian Xue Bao/Journal of Software,2018,6,14:1–24.
[5] Protocol Labs, Inc,[email protected] , Filecoin Primer July 25, 2017.
[6] Protocol Labs, Inc,[email protected] , Filecoin Primer July 25, 2017.
[7] Retrieved from IPFS internal monitoring July 6, 2017.
[8] https://www.projectmanager.com/blog/proof-of-concept-definition.
[9] https://www.blockchainappfactory.com/poc-blockchain-application
[10] https://101blockchains.com/blockchain-proof-of-concept/#prettyPhoto
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For Trading March 20

For Trading March 20th
Another Range Day
Yields Fall
Oil Rebounds
Yesterday I said that “today’s market was actually not as bad as it seemed.” And today while we had a sharp decline early, we rallied back up toward yesterday’s highs, and when the dust settled we were DJIA +188.27 (.95%), NASDAQ +160.74 (2.3%), S&P 500 +11.29 (.47%), the Russell +67.52 (6.81%) and DJ Transports +107.29 (1.54%). Also, yesterday I said “the obvious culprit was the Oil. After the close, the oil bounced and held most of the gains until it had rallied up about 24% and closed $25.91 +5.08 after trading as high as $28.28. Market internals were better with the A/D on NYSE at 3:1, and about the same on NASDAQ. The DJIA was 17 Up, 13 Down, and for the first time in over a week, there were no triple-digit losers or gainers. The biggest movers were MCD +83 and GS +64 on the upside and JNJ -54 DPs. Strong sectors included Energy and consumer discretionary, while the weak included utilities, consumer stables, health care and real estate. The technology and small caps outperformed. The thought that Mr. Trump has the relationship or talent as an arbitrator to settle a dispute between the Kingdom and Putin the thug is unlikely. I also issued a YouTube video (#151) on today’s closing comments: https://youtu.be/spf45YUFaxc
Our “open forum” on Discord, which allows me to interact with subscribers and others to allow direct questions and chart opinions on just about any stock, continues to grow with more participants every day. It is informative and allows me to share insights as the market is open and moving. The link is: https://discord.gg/ATvC7YZ and I will be there and active from before the open and all day. It’s a great place to share ideas and gain some insights.
SECTORS: Other names in the news: While there is plenty to discuss, I’ll just hit a few high points. All U.S. industries are lining up with their hands out looking for their piece of however many trillions of dollars and favorable legislation they can extract through their state politicians. While I get that nobody in the cruise industry, or the hotel and allied hospitality sectors or any manufacturing business had any fault in COVID-19, at some point in time, they must take responsibility for the cash they squandered on stock buybacks instead retaining earnings for when the business cycle went through a slowdown. I know I’ve railed about this for a while, but Capitalism works because it enforces some degree of fiscal responsibility on the operators of business. And if they fail, they fail. That what the bankruptcy laws are about. If you need a primer on it, just ask the president. If you run a business into the ground, by any means, you lose.
On the rocket to “almost the moon” followed by a crash and burn, we had Blue Apron (APRN) started the week at $2.28 and yesterday it closed $16.25 +9.70, but today after trading $28.84 before collapsing to finish $14.34 -1.91 (11.75%). In case you forgot, this little beauty was reverse split 1:15 last year, so todays close is still under $1.00.
BIOPHARMA: was HIGHER with TEVA the big winner @ $8.10 +1.41 (21.08%) on the news that it is a manufacturer of Hydroxychloroquine Sulfate, a potential treatment for COVID-19 and are donating the tablets to hospitals nationwide. ICPT was +8.80 (18.20%), LABU +2.11 (14.36%) and IBB $99.51 +1.18 (1.2%).
CANNABIS: Even this group had some winners with TLRY +1.16 (46.96%), PYX, yesterday’s biggest loser bounced back to close +.40 (27.59%) and MJ $9.65 +.55 (6.04%).
DEFENSE: was MIXED with LMT -20.14 (6.12%), RTN +6.39, and yesterday’s big loser, TDY +25.06 (12.46%), and ITA $126.19 +2.78 (2.25%).
RETAIL was MIXED with JWN +1.49 (7.54%), DDS +4.78 (12%), and WMT -3.34, RL –3.11, UAA +.94 (10.99%), CPRI +2.40 (31.91%) and XRT $29.27 +1.52 (5.48%).
FAANG and Big Cap: were MOSTLY HIGHER with GOOGL +19.30, AMZN +43.00, AAPL -3.42, FB +3.94, NFLX +18.54, NVDA +7.48, IBM -4.50, TSLA +32.78(9.07%), BABA +1.00, BIDU +5.50, BA -7.08, CAT +1.69, DIS +4.45 and XLK $74.85 +.27 (.36%).
FINANCIALS were MIXED with GS +4.70, JPM -.19, BAC -.04, MS -.14, C +2.57, PNC +4.76, AIG +1.77 (9.42%), TRV +4.38, AXP +1.65, and XLF $19.61 +.42 (2.19%).
OIL, $5.91 +5.08. The stocks were HIGHER with the price of Oil trading as high as 28.28). The oil is slightly higher in extended hours and XLE is $25.61 +1.63 (6.8%).
METALS, GOLD: $1,479.30 +1.40. After the liquidation of the past few day’s gold tried to work higher but gave it up closing barely changed. I still expect a move back toward $1,600 to unfold.
BITCOIN: closed $6240 +900. We broke to the downside overnight and fell to a low of $4390, and for the first time in days did not make a new recent low. Today was a strong move to the upside While I want to add the 350 sold just over a week ago, I want to wait and see some stabilization. We still own 400 GBTC with an average of $8.06. GBTC closed $7.25 +1.24 today.
Tomorrow is another day.
CAM
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BITCOIN: ¿cómo comprar y qué es un exchange? 888Poker ♣ MI PRIMER TORNEO EN 888 GANAMOS ? EN QUE LUGAR ... Bitcoin. Como ganar, incluso habiendo entrado en el máximo histórico la primera vez. YouTube What is Bitcoin Mining? - YouTube

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