Coin App Referral Code (1000 free COIN!)

Coin App Referral Code Link:

Signup using the Referral Link, and be gifted 1000 COIN in-app!

Coin App Review

Coin App is a Geomining App available on Google or Apple Appstore. Basically, it is a little bit like “Pokemon Go” where the game is based on a real map. However, rather than catching Pokemon, the goal is to mine Coins which can eventually be exchanged for Cryptocurrency such as XYO (the app’s ERC-20 Crypto token), Bitcoin (BTC) or Ethereum (ETH).

Once the user collects around 10k COIN in-app, the user can redeem it for XYO ERC-20 tokens which lives on the Ethereum blockchain.

Recently, XYO has been listed on Coinbase Pro, which is quite an achievement!

Coin App Sentinel

XYO Sentinel X Device for Coin App x12 Network Cryptocurrency Geomining (Blue)

The Coin App Sentinel is a device for Geomining COINs. It can be used alongside with the COIN app for x12 bonus while Geomining.

The Geominers who will make maximum benefit from Sentinels are those who are drivers and those who commute a lot.

The purpose of the Sentinel device is for “bound witnessing” on the XYO Network. In simple terms, when two devices that aren’t related or connected each detect one another, each one proves that they both really were in the same place at the same time. It prevents “faking” locations, which traditional technology is not quite able to prevent.

XYO Coin

XYO is the cryptocurrency token of the Coin App, which lives on the Ethereum blockchain as ERC-20 tokens. While first using the Coin App for Geomining, the user earns COIN tokens (which are in-app tokens). Eventually, after earning enough COIN, users can convert them to XYO tokens.

The current price of XYO is $0.0389 (as of Sep 17, 2021), with a total marketcap of around $500 million. (Coinmarketcap:

Coin App YouTube

This YouTube video is a very comprehensive guide on Coin App, and teaches how to earn the Coin rewards in different ways.

If you decide to sign up, use the Referral Link below!

Coin App Referral Code Link:

Disclaimer: The opinions on Coin App and associated tokens expressed in this blog post are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide information on Coin App Referral Code. In particular, this blog post is not a substitute for obtaining advice from a qualified investment advisor.

How Open Source Intelligence Can Benefit You

Besides protecting your business, your employees, as well as prioritizing your tasks, the Open Source Intelligence course can help you solve security problems.

With the development of technology, open-source intelligence became more popular. Open-source teams are used by a number of businesses and companies. As a result, they can detect any possible threat of cyberattacks by collecting internet data and analyzing it. Businesses that want to protect their data and gain their customers’ trust must ensure this. Since technology advances, hackers wait for the right moment to utilize those security breaches to compromise your system. 

Intelligence gleaned from open sources has both advantages and disadvantages. The possibilities for counteracting these are many as long as we stay ahead of technological developments and work on more diverse projects. Having access to open-source intelligence is a nice and useful resource for any company or business. Here are four reasons to use open-source intelligence. 

1. The information is not classified

There are a few rules to follow now that almost everyone has access to the internet and knows how to use it. A photo can’t be used without the author’s consent, for example, due to laws regarding copyright infringement. The information in question should not be taken from unidentified sources, since it could then be removed from the web if the user does not wish it to be seen. As an example, in the UE, we have implemented GDPR rules to protect personal information, and anyone who does not follow these rules will face sanctions.

Using the internet as a resource, open-source intelligence is gathered. The information contained here is not classified or obtained from an unknown source. The information does not contain information from sensitive or clandestine sources, and it is not subject to proprietary restrictions.

In this way, open-source data can be used by intelligence officials because it is open to the public and free from any restrictions. This allows businesses and companies to access, for example, parts of the source code needed to develop uni assignment help. Many developers and team members do not have to struggle to find the data they need by using open-source data in intelligence contexts. Open-source means that anyone can access and use it, so it is of great time savings.

2. It Allows You to Prioritize

Open-source intelligence aids in creating a task and time hierarchy, which is one of the main benefits. Due to the public accessibility of open-source data, businesses and companies should focus on protecting themselves from external threats. In addition to the disadvantages of open-source intelligence, security measures are important.

The data for this service is gathered not only from Google, Yahoo, Bing, or other search engines that give access to tons of websites. Dark web information is open source, so people should know that these search engines can’t access or index this information in their searches. There is easy access to it for the public.

3. Anytime, anywhere access is possible

It provides the benefit of being accessible anywhere and whenever you want. Forget whether you collected and analyzed data in the traditional way. Data from open sources can be used to inform company decisions.

As a result, the process can be easily integrated into internal processes. However, many businesses and companies are also looking for the flexibility that it offers. Especially since everyone has shifted their activities online and is working remotely.

4. It Offers Protection

Security breaches and system protection are two aspects of open-source intelligence. It is equally important to protect your employees, data, and information. Usually companies and businesses send delegations of employees abroad. Keeping the CEO and others safe might be necessary if he is traveling to another country on business.

Business trips can be secured and planned safely with open source data. You can check to see whether an airport is open or closed, for example. Whenever possible, you can obtain information about city fires or events that may impact your business trip. Using the dark web, you can learn if someone follows your devices, steals your information, or publicly uses it. 


Technology and software paved the way for open-source intelligence. Data that has been leaked, is secret, or is obtained from clandestine sources cannot be freely used. Thus, open-source data can be used by everyone and it is accessible to everyone. In addition to search engines such as Google, the dark web is also used to collect the data.

Some Personal Feelings of Preparing for PMP

Author: Tabitha

I took the PMP test in September 2019, and I was in the middle of the 5A Group. They took the long-distance class of SPOTO, which started in June and the exam was taken in September. Half a year later, I think back to the time when I was preparing for the exam, I have some fresh feelings, which is noteworthy.

1. I have always been asked: Is it useful to take PMP?

I think the thought of the person who asked this question is obviously not understand enough. If you just want to add something attractive to your resume, you should go to the recruitment websites to see whether the enterprises that you would like to go would ask for this certificate or not. If it is unnecessary, you don’t need to take this exam at all. If it is necessary indeed, why for the hesitation? If you just want to improve yourself and increase knowledge and skills, why for the questioning? Knowledge is always useful, and skill is not burden. Since you have extra time,  energy and budget, why are you so utilitarian?

2. What changes does PMP make to your life after learning?

Quite a lot. PMP is a methodology system for doing works, and it is also permeated with some thinking consciousness orientation. Here are some points that I have been impressed the most: ① Risk Awareness. Every moment in life is full of risks. After learning PMP, I can feel that my risk awareness has been improved, and I am more sensitive to risks, and consciously identify, avoid and formulate response plans, which are necessary guarantee for life stability. ② Cost Awareness. “Every choice has a price.”. Each decision we have made, it should be clear that the opportunity cost of doing so. This does not certainly make decision-making more wise, but it at least will make oneself more accessible, and face frustrations and difficulties more calmly. ③ Attitude to Work. PMP taught me that when things are obstructed, I will abandon the thinking inertia of giving up or pushing back again at the first time, think more ways, try more, complain less about the big environment, complain less about colleagues and superiors, and focus more on the work in front of me. As project manager, don’t think too much about the meaning of the project itself. As an individual, don’t question the superior’s decisions and the colleagues’ ways of doing works. Observe more, be patient and empathy. You will find the the blind spots in your thought and bad inertia in your thinking.

3. What is the most important in the preparation for the PMP Examination?

For the students in the network class, the most important and difficult to adhere to is to have live classes on time. If you don’t have the live classes, you can only hope to see the replay videos, and the effect will be discounted. The process of preparing for the examination is a self-management project itself. In those three months, If we can find ways to keep in the classes at a fixed time? If we can finish homework and tests on time? If we can coordinate the relationship between work and life, ourselves and families? If we can make the environment be conducive to our study and preparation for examination? All of this challenges are testing how much endowment and conditions you have as a person who wants to master the skill of project management. It can be said that the preparation process is the first step for you to move towards project management professionals.

4. How to use learning technology?

I am really impressed by SPOTO’s technical support (the teachers’ extraordinary ability doesn’t need much description.) If the learning process is regarded as an engineering, there can be corresponding technical means to assist and improve. For example, the Wrong Question Set System. It is an irreplaceable function to record and digest the mistakes and problems encountered in daily test, unit test and simulation test, which is irreplaceable for overcoming stubborn points in thinking and straightening out the knowledge context in the end. Let alone the convenient Online Course System, which is available for PC and mobile phone. You can study at any time.

5. A sharing of a learning method.

When facing a strange knowledge system, the fastest way to get started is to understand the framework and context. Only if you have a map in your mind, you won’t get lost. A scholar, my old classmate mentioned in a chat that his habit of reading is that he always holds the pages of the catalogue firmly. No matter how far he reads it, he will come back to the directory constantly and confirm his position over and over again, which is very enlightening to me. When we first came into contact with PMP. There are five process groups, ten knowledge fields, and hundreds of ITO, which are nerve-racking for everyone. How to get rid of the dilemma? In addition to following the teachers to learn chapter by chapter, and hoping to be more and more familiar with the system with the deepening of learning, I also did a work, that is, to draw a two-dimensional table in the mind map. This is the knowledge map of PMP!

There is also a table in the book. But the advantage of mind map is that it is easy to maintain. You can also expand or collapse. It can be used for expansion and the establishment of contact. More importantly, with the deepening of the course and the continuous interaction with this mind map, I suddenly realized a problem, which can be said to be a “dilemma”. That is: no matter the PMBOK arrangement or the preparation of learning courses, they can only be segmented “horizontally” according to the knowledge field. That is to say, when it comes to a knowledge field, you will experience five process groups respectively, when it comes to the next chapter to another knowledge field, and then experience those five process groups respectively again.(most of the knowledge fields only involve three process groups). But the implementation and promotion of real projects is obviously not like these. When the project is in a process group, it will involve all the corresponding work in each knowledge field, that is, a “vertical” segmentation. Without such a map of knowledge, you will be very confused, and the knowledge will be fragmented and without organization. It would be difficult to achieve integration. Making a good use of learning technology can yield twice the result with half the effort.

Finally, I still want to thank you, SPOTO for your courses and teachers, who help me, such a probing person understand such an interesting thinking system.

Get more about SPOTO Certification.

6 reasons that maths is important in business

6 Reasons That Maths Is Important In Business

Mathematics is fundamental to business. You will use it every day as a business owner – working out profits, losses, revenue, and more. This article will take a look at 6 reasons that maths is important in business.


Decision-making in business is all about working out how much money you’ll make, and the costs involved in getting there. There will be a lot of numbers to crunch when you’re making a decision, and it’s very important that your maths is up-to-date and correct. Even if you have an accountant who runs the numbers for you, you should know what they’re doing and be able to explain it so you can make changes if needed. If your numbers are inaccurate, then that’s going to impact the decision-making process, and ultimately your business profits or losses.

Understand the metrics of your business

You can’t manage what you don’t measure. Metrics are simply numbers that tell you how well your business is doing, and understanding them means that you can make informed decisions about what to do next. Three metrics that are very important in almost every industry are Customer Lifetime Value (CLV), Customer Acquisition Cost (CAC), and Customer Acquisition Rate (CAR).

Keep costs in check

Managing costs is a big part of running a profitable business, and you need to make sure that your calculations are accurate. For example, when you collect quotes for international delivery and international shipping, you need to know how this is going to affect the profit-per-unit. With accurate numbers, you can work out if it’s even worth doing this or not.

Work out your taxes correctly

Your accountant may calculate your taxes for you, but it’s important that you know what they’re working off. They use mathematics to make sure that you don’t pay any more tax than necessary – because anything over and above the legal requirements is, of course, illegal. You may be able to claim certain expenses as tax deductions if they are directly related to your business.

To use psychological selling techniques

For instance, a supermarket may choose to put certain products near the front of the store so that they are on the way as you’re walking in and more likely to be purchased. This is really simple maths! If people pick up something as they’re walking into the store, then it makes sense that more people will buy it than they would have if the product was at the back of the store.

To hire and manage your employees

Sometimes, people will ask you what your business is doing to ensure that you’re attracting good employees, but really they’re asking how much maths is involved in making sure that you’ve got a great staff. You need to be able to check that you’re offering the correct wage for the job and that this is more than what they’d get elsewhere. You may even want some employees to start off at a lower rate, and then move up through the company over time. Being able to work out how long it will take for them to pay back their employment expenses is a vital part of this.

ICNN India’s leading education portal, the most student-friendly online forums  offering free Online counseling

ICNN India’s leading education portal, the most student-friendly online forums  offering free  Online counseling

ICNN  India’s leading education portal, the most student-friendly online forums  offering free  Online counseling for a wide range of courses approved by UGC and other authorities to its students in Management Course, Technical, Traditional, Computers, Research, Diploma, and certification, MBA courses. University Admission   like IGNOU Admission in Distance Education, Part-Time and Online courses at a university fee, where students can pursue learning without even going to the Institute.

Ed-Tech startup ICNN India

Ed-Tech startup ICNN India has acquired online Education iconnect and Education dunia Online platform in an all-cash deal on Aug 2021. Post the acquisition, Education iconnect operations have been merged with ICNN India.

ICNN India ( Iconnect News Network ) said, “Surge in student queries and engagement on our platform confirm that we are moving in the right direction in our efforts to help students make informed choices. We continue to add advanced technology and partners to create a more holistic ecosystem that can address students’ higher education needs in India or abroad.

ICNN Network

Ed-Tech startup ICNN India has acquired online Education iconnect and Education dunia Online platform in an all-cash deal on Aug 2021, ICNN India is also hoping to become one of the most successful service providers in the country, we make our network with.

The path to a successful and satisfying job or work is not an easy one. There are buses to catch, classes to attend and studies to complete. In a time like this, you need a guide; a friend who would be able to guide you through these treacherous paths where one false step could lead to a lifetime regret.

IMTS Institute helps over 25,000 students achieve their study dreams; Helping Students Pursue Dreams of Success for Past 15 Years

IMTS Institute helps over 25,000 students achieve their study dreams; Helping Students Pursue Dreams of Success for Past 15 Years

IMTS Institute is an Institute with 70+ career counselors. It helps students realize their goals by helping them choose the right course and complete UGC-approved university admissions.

IMTS Institute offer free career counseling of a wide choice of courses approved by University Grants Commission and MOE and other authorities like BAR and NCTE to its students, Course offer

  1. Courses After 12th ARTS
  2. Courses After 12th DESIGN
  3. Courses After 12th COMMERCE
  4. Courses After 12th SCIENCE
  5. Courses After 12th DESIGN
  6. Courses After 12th Commerce
  7. Courses After 12th APPLICATIONS
  8. Courses After 12th MEDICAL
  9. Courses After 12th EDUCATION
  10. Engineering Courses After 12th
  11. Paramedical Course After 12th
  12. Arts Course After 12th
  13. Science Course after 12th
  14. Commerce Course After 12th
  15. Hotel Management After 12th
  16. Law Courses After 12th
  17. Agriculture Course After 12th
  18. Aviation Courses After 12th
  19. Mass Communications Course After 12th
  20. ARCHITECTURE Course After 12th
  21. VETERINARY SCIENCES Course After 12th

In India Completing class after 12th is one of the most important milestones for a student. Students who aren’t fully aware of their career options may choose a path that doesn’t suit them or will not benefit them in the future. Students will also hear advice from their peers, both from highly confident and completely uninformed people. Regardless of the source, it can be very harmful to listen to these advices and then act on them.

IMTS Institute helps over 25,000 students, Alumni working in top companies Like Google and Amazon

IMTS Institute is a leading Institute in India. They have made a memorable statement of 25000 admissions and many of their students work in top companies in India as well as abroad.

We have had the privilege of helping more than 25,000 students to achieve their career goals  Our counselors have helped more than 25000 students to select the right course, along with a complete admission Process for UGC-approved universities. The IMTS Institute students have left glowing reviews. Some of their students work with Google, Accenture and Facebook..

Distance and Online Education in India : IMTS

Enroll in the appropriate courses at IMTS institute and you can make your dreams a reality. You will get proper guidance right from the beginning. In IMTS Institute, Students pursuing courses in distance Education or part-time mode find it difficult to connect directly with University after taking admission and, at times, miss on important announcements made by University. Gupta is conscious of communicating with Universities and gathering information. He also keeps students informed to avoid any gaps. Gupta ensures that students who are referred to him at their guidance center do not miss any University announcements. Referral Code: fnw2qamaj9 Referral Singapore

Use my referral link to sign up for and we both get $25 USD 🙂 is also present in 31 other countries including the U.S, Canada, Europe and in the Asia-Pacific region.

Is Legit

A very popular question is whether is legit, or whether Crypto dot com is safe. We list 3 reasons why is legit:

  •  It is the first cryptocurrency company in the world to have ISO/IEC 27701:2019, CCSS Level 3, ISO27001:2013 and PCI:DSS 3.2.1, Level 1 compliance, and independently assessed at Tier 4, the highest level for both NIST Cybersecurity and Privacy Frameworks. (Source)
  • has partnered with Visa for the Visa Card. Being a fintech giant, Visa will definitely have vetted through to make sure it is partnering with a legit company.
  • has recently extended their insurance coverage to $360 Million, including direct and indirect coverage via custodians. (Source) Review is a one-stop platform for all things Crypto. They have an exchange, earn platform, crypto-linked Visa card, as well as an NFT marketplace.

Their Crypto Earn rates are exceptionally good, for example it pays a whopping 8.5% on BTC and ETH as of August 2021. If you check through the different exchanges (e.g. Gemini, Coinbase) you will realize’s rates are very competitive.

Crypto Dot Com Referral Code: fnw2qamaj9

It is important to DYOR (Do Your Own Research) in Crypto. If you decide to try out, do use the referral code below for a USD $25 bonus! Referral ID Link: Fees fees are listed here:

A unique feature of fees is that the fees depends on the amount of CRO tokens staked. CRO tokens are the native token of The more CRO staked, the lower the fees for trading.

Disclaimer: The opinions on expressed in this blog post is for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide information on Referral Code. In particular, this blog post is not a substitute for obtaining advice from a qualified investment advisor.

Moomoo Free Stock (Pfizer & Haidilao)

Moomoo Referral Link:

Get 2 free Pfizer stocks, and 5 free Haidilao stocks by signing up with Moomoo!

There are also other benefits such as 180 days of commission-free trades!

Moomoo Promotion 2021 Singapore

The above is the latest promotion for Moomoo (Futu) in 2021. The free stocks add up to around SGD $168 which is quite a decent sum.

The 180 days of free commissions can also help to save quite a lot of commission fees.

Moomoo Free Apple Stock Still Available?

The free Apple stock was a previous promotion. The current promotion is free Pfizer stock and free Haidilao stock.

Moomoo Invitation Code / Promo Code

Once again, if you decide to sign up for Moomoo, do use the invitation code by just clicking on the following Moomoo Referral Link directly!

Disclaimer: The opinions on Moomoo expressed in this blog post is for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide information on Moomoo Referral Code. In particular, this blog post is not a substitute for obtaining advice from a qualified investment advisor.

Free hi Dollar Crypto Last Chance! (Referral code: math88)

hi Dollars Crypto Referral Link:

hi Dollars Crypto Referral Code: math88

hi Dollars Crypto is currently available for free! But not for long, the free rewards are dropping rapidly and may soon be gone. So grab it while it is still available! No app needed other than Telegram/WhatsApp!

Is hi Dollars Crypto legit?

Previously, we blogged about hi Dollar Crypto (also known as hi coin), and 3 reasons why they are likely to be legit. Today, there is one more reason!

hi Dollars Crypto (hi coin) just launched on Uniswap!

For those familiar with Uniswap, it is the most legit DEX (Decentralized Exchange) in the entire cryptocurrency scene. hi dollars just launched on Uniswap with a $12.51m TVL (Total Value Locked):

hi Dollars just launched officially on Uniswap with $12.51m TVL. Grab your free hi Crypto at!

Last Chance for getting free hi Dollars Crypto

Currently, people who sign up now can get 2.5 hi Dollars per day, which is around ~$1.40 USD. In total, it would be $42 USD per month. Do note that hi Dollars price is not fixed, it can rise even more according to market demand.

The free hi Dollars Crypto will only last until the entire “Launch Incentives and Distribution” pool is exhausted. The amount may vary over time depending on the number of members who have joined hi. Currently we are already towards the final stages, so do grab the free hi Dollars while stocks last!

Currently free hi Dollars Crypto is at the second final stage of 2.5 hi Dollars / day. Grab them now at!

If you decide to sign up, use the Referral Link below!

If you need more information on hi Dollars Crypto, feel free to check out our comprehensive blog post written previously on hi Crypto.

hi Dollars Crypto Referral Link:

hi Dollars Crypto Invitation Code: math88

Signing up is extremely easy, there is no need to download any app. Simply click on the referral link and click on Free Sign up with Telegram or WhatsApp. The subsequent instructions should be quite easy to follow. Do note that you just have to sign in once a day and answer a very simple survey (just 1 question) in order to get the free hi Dollars Crypto!

Signing up for hi Dollars Crypto is extremely easy through the official hi website:

Disclaimer: The opinions on hi Dollars Crypto expressed in this blog post are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide information on hi Dollars Crypto Referral Code. In particular, this blog post is not a substitute for obtaining advice from a qualified investment advisor.

Binance Referral Code: SQVEBTAO

Binance Referral Code: SQVEBTAO

For the referral code, enter “SQVEBTAO” when prompted, or you may just click on the following Binance Referral Link directly!

There are rewards (10% kickback rate for trading fees) for using the referral code/link to sign up!

Binance is a cryptocurrency exchange that provides a platform for trading various cryptocurrencies. Binance is currently the largest exchange in the world in terms of daily trading volume!

Binance Referral ID: SQVEBTAO

The benefits of using this Binance Referral ID (SQVEBTAO) is a 10% cashback rate for trading commissions. This can add up to a significant amount over the long run.

When you sign up using the Referral ID or link, you will be able to see the commission kickback of 10%.

Binance Referral Bonus (10%)

When signing up for Binance, it’s definitely a good idea to enter a Referral ID as one will get a referral bonus (10% cashback rate for commission).

Disclaimer: The opinions on Binance Referral Code expressed in this blog post is for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide information on Binance Referral Code. In particular, this blog post is not a substitute for obtaining advice from a qualified investment advisor.

Lido Staking Review and Rewards

Click here to explore ETH Staking with Lido! (Official Lido Referral Link)

Lido Staking Review

Lido is a liquid staking solution for ETH 2.0 backed by industry-leading staking providers. Lido lets users stake their ETH – without locking assets or maintaining infrastructure – whilst participating in on-chain activities, e.g. lending.

When staking with Lido, users receive staked ETH (stETH) in return. StETH represents the value of your initial staking deposit plus daily staking rewards, increasing in balance daily as rewards come in. These stETH balances can be used like regular ETH to earn yields and lending rewards.

There is no lockup period when staking with Lido, which is one of the main advantages. This is unlike many other staking services, be it on Coinbase, Kraken or staking 32 ETH as a validator. For those staking services, your ETH will be locked up until ETH 2.0 launches, which may be in a few years’ time.

We can see that the current APR is 5.4%. Lido’s stETH market cap is very high, at more than $2 billion.

Lido Staking Rewards

At the point of writing this (August 2021), the Lido Staking Reward is 5.4% APR. This is very competitive considering Coinbase’s APR is only 5%. Do note that as more people stake Ether, the APR may decrease (this is controlled on Ethereum’s side, it is not controlled by Lido).

Lido Staking rewards are paid in stETH, which represents the value of your initial staking deposit plus staking rewards. Do note that stETH can be further deposited into DeFi protocols like Curve Finance for further yield. Currently, the Curve Finance pool gives a whopping ~12% APY paid in a mixture of tokens like (ETH, stETH, CRV and LDO).

The stETH pool on Curve Finance gives up to ~12% additional rewards!

Lido Staking Reddit

You may want to check out the Lido Staking Reddit ( to see what other users say about Lido Staking!

Lido Staking Ledger

Many Crypto Hodlers hold their ETH in a hardware wallet like Ledger. The way to stake ETH on Lido using Ledger, is to first connect Lido to a software wallet like MetaMask. Then, connect the MetaMask wallet to Lido in order to perform staking.

Ledger Nano X – The Best Crypto Hardware Wallet – Bluetooth – Secure and Manage Your Bitcoin, Ethereum, ERC20 and Many Other Coins

Is Lido Staking safe?

With Cryptocurrency, there is always some risk, but here are 2 reasons why Lido Staking is considered safe:

  1. Lido has undergone multiple audits. You can see the list of their audits on GitHub.
  2. Lido uses a unique “distributed custody” solution in which the withdrawal key for all of the network’s validators has been split into 11 different parts secured by 11 different participants.

    The 11 participants include very big names in the crypto scene: Chorus One, Staking Facilities, Certus One, Argent, Banteg (, Alex Svanevik (Nansen), Anton Bukov (1inch), Michael Egorov (Curve/Nucypher), Rune Christensen (MakerDAO), Will Harborne (DeversiFi) and Mustafa Al-Bassam (LazyLedger).

Ready to stake with Lido?

If you have decided to stake with Lido, do check out the Lido Staking page where you can begin your ETH staking journey!

Disclaimer: The opinions on Lido Staking expressed in this blog post is for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide information on Lido Staking. In particular, this blog post is not a substitute for obtaining advice from a qualified investment advisor.

Integrating With Distinguishing: How Integration and Differentiation Relate to Each Other

Most people think of integration and differentiation as two distinct functions. In this article, we’ll show you how they’re interrelated.

Integration and differentiation are two essential concepts in maths. They both have to do with solving, but they are different.

Integration is the process of finding the area under a curve by adding up all the small pieces of the area on top of each other.

Differentiation is about finding how much things change over time or space, which can be done using derivatives.

These two processes go hand-in-hand because you use integration to find out what a derivative is. In this post, we will explore how these concepts relate to one another.

What Is Integration?

Integration is the operation of finding an area under a curve.

This can be done using left, right, or midpoint rectangles for different types of integrals and also integrating calculus with other topics such as physics to figure out how gravitational fields work.

Finding areas by calculating their lengths time’s widths is not something new in Math.

People have been doing it since ancient times when they discovered that having square footage was better than less at keeping things cool during hot days.

 Integrating became popularized around 1650 by Christiaan Huygens, who used it to calculate rates of change while studying planetary orbits.

Like Kepler before him, he wanted Newton’s laws but needed help from his friend Leibniz.

What Is Differentiation?

At a basic level, differentiation is the process of figuring out and calculating how one thing changes as another varies.

It can be used in many ways to figure out slope or velocity on graphs by looking at their slopes or rates, respectively.

Mathematics has many different areas that are taught. One of these is differentiation, which makes it possible to calculate the slope and rate at any given point on a graph by using calculus.

Differentiation in mathematics allows for calculating slopes and rates from graphs with the use of calculus techniques.

How Are Integration And Differentiation Related To Each Other?

  • Integration and differentiation are two critical concepts in mathematics, as well as other fields. Integration is the process of breaking a function down into individual pieces such that it becomes easier to analyze its properties.
  • Differentiation is similar but instead analyzes rates of change over time concerning what caused them.
  • Integration is the process of finding a relationship between two or more different entities.
  • On the other hand, differentiation deals with how differences in those same qualities come to exist and stand out against each other. It is essential for understanding why some things are similar while others are not at all alike.
  • One is the opposite of the other. Integration and differentiation are two sides of a coin representing opposites in nature, such as up versus down or day versus night.
  • If you graph y = x2 + 3x-4 at intervals between -1 and 1, then when approaching 0 from below (i), it will start to curve up because ƒ′(0) > 0; while approaching zero from above (ii), it curves down due to negative values for ƒ′(-∞).
  • Integration is finding the area under or inside function graphs by doing summations using their derivatives’ properties such as areas bounded by lines like 4 2π ∫ dx.

How to Find Integral Online?

This post shows you how to find the integral using online calculators.

Various integrals can be found on these websites, so it is essential to know what kind you need before scrolling up to choose one from the list.

For example, if your problem involves finding an area under a curve rather than just estimating values for points along that line, use the Antiderivative Calculator.

If there is insufficient information in the input boxes or no specific function name was given like “area”, use the integral calculator.

How to Find Differentiation?

You may be asking yourself, “What is the best way to find differentiation?” Well luckily for you there are plenty of online calculators that can help.

However your first step in finding these calculations would involve looking at a problem where one has already been solved and entering it into an equation solver or scientific calculator such as differentiation calculator of Meracalculator.

Which provides many different types of equations including linear ones like y=3x+4 whose derivative will equal 3*x^2-12 over x plus 4y=-80.

It might take some time before you get used to using this type of tool but once mastered most students have found themselves not having any trouble with homework anymore.


What is an example of integration when differentiated by a function?

Imagine, for instance, if someone wants to know what they’re doing at any given moment, all they need do is calculate their speed by calculating integral dx/DT where x represents the time since the last known position.

Then take this result as input into d2x/dx-dxt + C (t=0) = ƒ (t) and differentiate accordingly: integrate until we get back our original equation again.

When is convergent absolutely equal to another amount?

Convergent can be equal to another amount when it is direct. Direct convergents make up a single, unified number that will not change in the context in which you see them or use them.

Direct convergence cannot be changed by any other numbers and does not have an opposite value because they are always positive integers with magnitudes less than 1.

Wrapping Up!

A critical concept in maths is integration, which means adding up the area under a curve.

The other idea to keep in mind when solving an equation, differentiation, which takes apart something and looks at what it would be if you were given different inputs for any variable that appears on both sides of an equation.

Both concepts are beneficial when trying to solve equations, but they each have their purposes.

Let us know how you’ve used either or both ideas while solving some math problems!

How to find the Standard Form of very large or small numbers?

Imagine how difficult it would be if you have to do math with an amount consisting of twenty digits. To perform any arithmetic operation on that kind of number, you would need a calculator that can accumulate that type of calculation.

Scientists deal with very big numbers, as well as extremely small numbers, by converting them to standard form, which is a decimal number followed by an exponent of 10. The decimal might be as precise as required, though it is commonly rounded to two. The exponent value denotes the magnitude of the number. The distance to the closest star in standard form is a considerably more reasonable 4.02 X 10 13 kilometers.

What is Standard Form?

Standard form is also referred to as scientific notation. It is a technique of representing extremely big or extremely small integers. It’s used as shorthand in science and math, rather than writing down the whole number every time.

This form also makes it much easier to perform computations than working with a number that may have several place values. If you work with numbers with a lot of digits, either extremely large or very little, converting them to standard form will assist you in a big way.

The following notation is used to represent standard form,

B x 10 a

A is a number that’s known as the coefficient. The coefficient must be greater than or equal to 1 but less than 10.

  • ‘B’ is the multiplication sign read as ‘times.’
  • 10 is the base, and it must always be 10 in scientific notation.
  • a is a number usually known as the exponent, also referred to as the power of 10.

For example,

0.00029876 = 2.9876 x 10 -4

Writing number in standard form could be much easier if you know how to convert a number into standard form. In the next section, we will explain the method to convert numbers in standard form.

How to convert numbers into Standard Form?

Before converting a number with an exponent, keep in mind another convention: use commas to separate number strings into groups of three or thousands. The number 2468561215, for example, is frequently expressed as 246,856,1215.

The first three digits of a number appear when the number is expressed in standard form. This is true even if the first group only has one or two numbers. The first three digits of the number 246,856,1215 for example, are 2, 4, and 6.

Small numbers, such as the radius of an atom, can be just as difficult to manage as huge ones. To convert those into standard form, you should employ the same technique. If the number is big, the decimal is placed after the first digit on the left, and the exponent is made positive. It is equal to the number of digits after the decimal. You can try out an online standard form calculator to see the steps of calculation if you are not sure about the answer.

In case the number is very small, the first three digits following the string of zeros are the same as the three used at the start of the number in normal form, and the exponent is negative. The exponent is the number of zeros multiplied by the first digit of the number series.

Here are several examples: Light travels at a speed of 299,792,458 meters per second. This is 3.00 X 10 8 m/s in standard form. Be aware that you must round 299 to 300 because the fourth digit is more than 4. A hydrogen atom’s nucleus and electron are distant by 0.00000000005291772 meters. This is 5.29 X 10 -11 meters in standard form. You don’t need to round up because the digit after 9 in the original number is less than 5.

Performing arithmetic operations on Standard Form

·      Adding/Subtracting numbers in Standard Form

Adding and subtracting integers in standard form is simple as long as they have the same exponents. Simply add or subtract the digits. If the exponents of the numbers are not alike, convert one to the exponent of the other.

Add 1425.8 x 10 5and 1.36 x 10 8

As you can see, these numbers are in standard form. To add these numbers, we have to make the exponent of both numbers the same. To do so, let’s move the decimal in the number 1425.8 x 10 5.

= 1425.8 x 10 5 = 1.4258 x 10 8

Now we can add both numbers because the exponents of both numbers are identical.

= 1.4258 x 10 8 + 1.36 x 10 8

Simply add the numbers on the left side of the multiplication sign and write the 10 raised to the power 8 with the result.

= 2.7858 x 10 8

Subtraction is as same as addition. Just put the subtraction sign instead of the addition sign. Let’s use two standard form numbers for subtraction.

Subtract 3.93 x 10 4 and 1.25 x 10 2

To subtract these numbers, we have to make the exponent of both numbers the same as we did for adding numbers. To do so, let’s move the decimal point in the number 3.93 x 10 4.

3.93 x 10 4 = 393 x 10 2

As you can see, both of the numbers now have the exponent of 2. Subtract the value before the multiplication sign and place the 10 raised to the power 2 as it is.

= 393 x 10 2 – 1.25 x 10 2

Take 10 2 as common.

= (393 – 1.25) x 10 2

= 391.75 x 10 2

Move the decimal to convert the number into standard form for the final output.

= 3.9175 x 10 2 + 2

= 3.9175 x 10 4

·      Multiplying/dividing numbers in Standard Form

When you multiply integers in standard form, you multiply the digits and add the exponents. When you divide one number by another, you perform the division on the number strings and subtract the exponents.

It is as simple as it gets. There is no need to complicate things when dealing with scientific form. In the case of multiplication and division, there is no need to make exponents equal. Add exponents in case of multiplication and subtract them in case of division.

Multiply 2.25 x 10 4and 1.5 x 10 5

Simply multiply numbers on the left side of the multiplication sign and add the exponents.

= 2.25 x 1.5 x 10 4+5

= 3.375 x 10 9

Divide 39.5 x 10 6and 2.3 x 10 3

Divide numbers on the left side of the multiplication sign and subtract the exponents of both of the 10s.

= (39.5 ÷ 2.3) x 10 6 – 3

= 1.7173913043 x 10 4


If you’re reading this, you already understand why we need standard or scientific form when working with numbers. It is a very useful notion that is commonly utilized in many sectors of science. Aside from numbers, the standard form can also be applied to linear equations, quadratic equations, and polynomials. It has a wide range of applications that can be implemented based on the underlying needs.

8 Best Tips for Online Math Class

Mathematics is one such subject that most students have trouble working with and understanding. This issue prevails in an offline mode of teaching and learning and seems to amplify in the online modus. It is primarily because online courses are exceedingly different than traditional classrooms.

There are a colossal number of problems that can arise during online classes. They can include the students being unable to have a face-to-face conversation with the teachers or them being unable to voice their doubts. In most cases, distractions common to online classes hinder their path of seeking knowledge on the subject.

Hence, we present the 8 best tips to ensure a successful online Math class. Overall, they allow the teachers to teach efficiently and the students to comprehend each module perfectly. They do not leave any room for uncertainties at the end of a class.

1. Look at the Courses from a Separate Angle

Online classes proffer a different ambiance and environment compared to conventional classrooms. Here, students and teachers cannot see each other directly and cannot understand what the other thinks about at any moment by looking at their expressions. Hence, the educators have to change their manner of delivery of the course materials and teaching style.

The Maths tutors have to cut down on the unnecessary parts of the course. It curbs the wastage of time that they would have transpired in the traditional classrooms. This minimalistic approach allows the teachers to dedicate their time and effort to the essential portions and explain them to the students as many times as required. Thus, it removes the possibility of even one student not understanding the concept. Similarly, the pupils must pay attention to what the tutors are elucidating with a focused mind. 

2. Learn About the Technical Aspects and Be Proficient In It

Since webcams and computer screens replace chalk and boards in online classes, the teachers and students have to utilize all available features of the platform that they are using for the purpose. It can include the “raise a hand,” chat, participant list, vote, and other such functions and attributes. The available platforms comprise Google Meet, Zoom, Cisco Webex, Microsoft Team, etc.

Unless both parties are proficient in the new teaching and learning system, no tricks or step jumps in Mathematics will help. The students and teachers can achieve it by having mock or test sessions with their friends and colleagues. Conversely, they can merely fiddle around with the features and characteristics of the platform in their free time to understand what it does. A net search on the topic can also solve this problem. 

3. Prepare The Course Material Beforehand

Preparation and browsing of the modules and course materials before the online class helps considerably. It stands true for both the teacher and the students. It allows the former to plan out how they will proffer the knowledge and make the pupils understand. It helps the latter get a better idea of what they need to prepare for the class. 

Indeed, the students cannot comprehend what the course entails by looking at the materials beforehand. Nevertheless, they can at least relate to the parts that they had skimmed through earlier. It helps in better memorization and overall understanding.

4. Have an Interactive Session

Mathematics becomes a tedious and monotonous subject if only one person speaks throughout the class and the others listen or pretend to do so. Interaction between students and teachers is the aspect that brings out the elements of interest and enjoyment in a Math class. However, the said communication does not refer to a viva session. It merely implies a lesson with general discussions where the students can share their views on the taught material. Additionally, the teacher can explain the real-life uses and applications of the module to pique the interests of their pupils. 

One can initiate the interactive session in the online platform via the chat feature or by switching on their audio and video. Both options come in handy as some students are shy and may prefer typing out their doubts. On the other hand, others may fancy asking a question orally.

5. Engage in Collaborative Assignments

Similar to interaction, collaboration with their peers can help students develop an interest and added understanding of online Mathematics. Of course, the assignments must be on an online platform. Thus, group assignments, discussions, test preparations, and so on during or after class hours aid in this facet. 

Maths tuition can motivate students and get their attentiveness renewed by giving follow-up tests or quizzes on a ranking basis to arouse and maintain their competitive nature. 

6. Review the Course Material

Reviewing and practicing the modules and portions taught in a class at the end of it helps significantly for Mathematics. Although it applies to both online and offline lessons, the individuals profit more in the former case. It is primarily because the students do not have to waste time traveling back home after the class. 

7. Take Ample Notes

In any online class, teachers share their screens to show the students the course material they refer to for teaching. They also give it to the pupils before or after a class to check while reviewing. However, these course materials come from sources that write them in a standard style or manner. In most cases, only those who have prior knowledge of the module can understand it.

Thus, it is necessary to take running notes during class. It allows the students to write down the steps they have to follow while solving a problem. It also proffers a hands-on experience, promotes active and continual thinking, and extends attention span. 

8. Create a Dedicated Study Space

It is arduous to concentrate in all online classes, especially Math, with distractions in the background. In any case, students have a hard time concentrating without the face-to-face teaching and learning system.  

Therefore, a calm, quiet, and clean study space aids in this aspect to a great extent. It is applicable for both the students and the teachers. Both parties can create a clutter-free area and sit with their required particulars like water bottles, pens, notebooks, chargers, snacks, and so on for the entire duration of the class. It prevents them from getting up frequently, keeping their attention focused on only one thing at hand and dedicating their all to it. 

4 SAT Tips and Tricks You Should Know

Preparing for the SAT exam is one of the hardest things for a student. While the test itself might not be that hard, it is a very big undertaking, and students don’t know where to begin. Moreover, the test judges a student’s analytical, critical, creative, and concrete thinking on top of putting a time constraint on him. If you are preparing for an SAT exam, there are some tips and tricks that are going to help you come up with a proper strategy to tackle it. In this article, I am going to highlight some of the most helpful tips that you can use to get a good score. So, without further ado, let’s get right down to it.

Understand the Paper Pattern

The very first and the most basic thing that you need to know is the paper pattern. There are lots of candidates who only focus on preparing study material, but they don’t have a clear idea about what to expect from an SAT exam. The exam consists of two sections that are further divided into different parts that have to be completed in the allotted time. You can click on the linked article to learn about the SAT paper pattern in detail.

Follow the Elimination Rule

Once you have understood the paper pattern and what to expect from the exam, you need to figure out how to solve the questions. A very important tip that you have to remember is that there is only one correct option out of four. Even if you don’t know the exact answer to a specific question, you can follow the elimination rule. All the incorrect options are incorrect for a certain reason. If you are able to find the reason, you can find the right answer with the process of elimination.

Skip Difficult Questions

One of the major reasons why the SAT Singapore exam is so difficult is due to the time pressure. After you enter the examination room, you have to put your ego on one side and focus on your strengths. When you are solving the paper, you should start from the top and solve questions that don’t take much time. If a question is taking too much time, you should just skip it. After you have answered all the easier questions, you will have ample time to think about the hard questions and come up with a solution.

Fill the Bubbles at the End

A good tip to help you save some time is to skip the bubble filling part till the very end after you have answered all the questions. You can just circle or mark the right answer on the booklet. Filling the bubbles takes a considerable amount of time, and if you try to fill them back and forth, you are only going to make things harder for yourself. Filling them all at once is going to take less time so that you don’t feel any pressure.

Free Apple & NIO Stock from FUTU SG

Use this referral link to get free shares of Apple & NIO!

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Terms and Conditions to receive your 1 Free Apple & NIO Stock

The terms and conditions can be found on this official promotional page under “Terms and conditions”.

To summarize, what you need to do to be eligible for the promotion are:

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  • Have a valid Singapore bank account in their own name.
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  • There are 2 conditions to get the free Apple stock:
  • Condition (i):  Successfully open a FUTU SG Securities account between 30th Jun 2021, 2000hrs SGT and 2nd Aug 2021, 2000hrs SGT (hereinafter referred to as “activity time”);
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Who is moomoo? Who is FUTU? Are they safe & reliable?

moomoo is a trading platform offered by Moomoo Inc, a subsidiary of Nasdaq-listed FUTU Holdings Limited (FUTU). In Singapore, investment products and services on moomoo are offered by Futu Singapore Pte. Ltd. Three months since setting up shop in Singapore, they have seen a whopping user base of over 220,000 and 100,000 paying clients.

Here are 3 reasons why moomoo powered by FUTU is considered safe and reliable:

  • Firstly, FUTU Singapore Pte. Ltd. is regulated by MAS (Monetary Authority of Singapore) License No. CMS101000. Their MAS license can be found here.
  • Secondly, FUTU Holdings has the backing of Tencent, which is a major Chinese tech company who develops very popular apps such as WeChat.
  • Thirdly, the subsidiaries of Futu Holding Limited has 43 licenses in major financial markets such as United States, Hong Kong (SAR), Singapore and others.

Grab your Free AAPL + NIO Stock with moomoo powered by FUTU now!

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Once again, if you decide to open a FUTU SG securities account use the link here directly to sign up!

Disclaimer: The opinions on moomoo powered by FUTU expressed in this blog post are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide information on FUTU SG’s new user welcome promotion. In particular, this blog post is not a substitute for obtaining advice from a qualified investment advisor.

hi Dollars Referral Code: math88 (Earn free crypto worth $2 USD per day, free signup!)

hi Dollars Referral Link:

hi Dollars Referral Code: math88

hi Dollars Review

hi is leveraging blockchain technology to build services that are not-for-profit and community powered. They aim to be the world’s first universal cross-ecosystem mobile payment and financial services platform.

hi is a bit similar to Pi Network, with a few differences:

  • Currently Pi coins have no value yet, since they are still on the Testnet.
  • hi Dollars already have a value, currently 1 hi Dollar is worth around 0.2210 USD.

Free hi Dollars (currently at 10 hi Dollars/day)

To drive awareness and engagement in hi, members will earn hi Dollars each day they interact with hi. The bonus will last until the entire “Launch Incentives and Distribution” pool is exhausted. The amount may vary over time depending on the number of members who have joined hi.

10 hi Dollars is worth around $2 USD since 1 hi Dollar is $0.2210 USD.

If the rate continues, it would be a free monthly earning of around $2 x 30 = $60 USD.

Is hi Dollars Safe / Is hi Dollars Legit

While it is impossible to answer with 100% certainty, one can list at least 3 reasons why hi Dollars is legit:

  • hi Dollars is cofounded by Stefan Rust, who was the former CEO of Another cofounder is Sean Rach, who was the former Chief Marketing Officer of
  • They do have a physical office registered, in addition to a well-written Whitepaper.
  • If you are just collecting the free rewards, no money is involved in using the hi Dollars app. No credit card details are needed. (Note: There is also an option to purchase hi Dollars.)

Is hi Dollar/ hi Crypto Worth Anything

Yes, 1 hi Dollar is currently worth $0.2210 USD.

hi Dollars Reddit

Reddit is often a good way to find out others’ opinion of a new project like hi Dollars. The official hi Dollars subreddit is:

hi Dollars Telegram

Currently, there are two ways to use hi Dollars, either their Web App or the Telegram app. Both ways are quite easy and intuitive to sign up and use. The instructions for both methods can be clearly found on the official hi website:

If you decide to sign up, use the Referral Link below!

hi Dollars Crypto Referral Link:

hi Dollars Invitation Code: math88

hi Dollars YouTube Videos

Disclaimer: The opinions on hi Dollars expressed in this blog post are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide information on hi Dollars Referral Code. In particular, this blog post is not a substitute for obtaining advice from a qualified investment advisor.

Book Marketing – Understanding the Importance of Branding

Book Marketing – Understanding the Importance of Branding

Branding in the library world is as important as the business world. This post identifies its importance to writers. 

Branding is the nuanced art of creating a memorable impression on consumers by giving shape to your brand. Before it was defined as just a name, symbol, slogan, sign, or design. Now it is broader, with more aspects. It helps your customers and clients to distinguish your brand from other brands and know exactly what they can expect from you.

Ages ago, authors did not need to promote themselves on social media. Shakespeare never needed to promote Hamlet on Instagram, and Ernest Hemingway did not need to create dynamic content on Facebook to reach viewers.

But now reaching people without promoting yourself is quite impossible. But definitely, you need to know what to promote. And here ‘ME’ is not a satisfactory answer. You need to establish yourself and your literary work as a brand. That is why book marketing and branding are necessary for writers. Good branding helps you to connect with your audience, deliver your message, and create a positive value about your brand in your target audience’s mind. To learn more, keep reading.

A strong brand’s goals are to communicate the message effectively, personally resonate with your target demographic, inspire the customer to purchase, and build loyalty.

It Helps You Find Your Audience

Brands are easily tracked by the readers who are the main customers of writers. They buy brands. But branding is not always getting prioritized over your competitors. It is creating value for your customers. It is solving a problem.

Branding helps you to reach your consumers to get you connected with them. It exists to help you get recognized. When your readers discover your literary works, it motivates them spiritually and helps them solve their issues and receive mental peace. Brand recognition helps to create loyalty in customers and helps you live in their hearts and minds. Also, once you get a loyal fan base, they will also start marketing for you, which can build your audience even more.

It Tells the World What You’re About

Branding not only gets you loyal customers but also helps you to clearly deliver your message to them. A quality brand gives the consumers something to think about and helps them improve themselves as humans. Once they understand your value they will start reaching to you on their own. Because they value what you value.

A writer puts their soul into their literature. It is their form of communicating, and they definitely want people to know what they think. Branding plays a key role here in bringing together writers and readers. This makes the consumers feel like they’re a part of something significant and not just a cog in a wheel.

It Brings Your Purpose Into Focus

Strong branding helps you make a positive impression among your consumers. Every writer has a purpose. Some write fictional stories to make people understand what magic is inside their minds. Some write comedy stories to make people laugh. Some write biographies and historical books to educate people.

Some really want you to understand love by writing romantic novels. Genres play a big role in writers’ lives. If they can promote their piece well, it will bring in the target audience and fulfill the writer’s purpose.

Surely the world has witnessed thousands of love stories, but branding yours can get your story into the world.

It Gives You Guidance Going Forward

A well-executed brand has a lot to say other than just promoting. Even the greatest brand can even get better by rebranding. If you already brand your writings but want to add different features, values, and colors to them, you can. Rebranding is also very important in this ever-changing world.

Branding helps you to know your directions. It navigates you to make decisions and adapt to the new cultural changes. Ten years ago, love stories might have been really technologically far-fetched. It would be hard to relate to stories like that now. But if you incorporate technology and how to use it to enhance love, people will relate to it and to your writings. You need to brand yourself that way as well.

It Sustains Your Career Over the Long Term

It has already been established that branding helps you to reach out to your consumers and motivate them to buy your products. The stronger your brand is, the more it will expand and reach more people. The author of the Harry Potter series, J.K. Rowling, created her brand with uniqueness and kept on promoting herself to the world.

Even though the series ended quite a while ago, people of all ages still talk about it and appreciate it. A successful brand makes the readers keep coming. They not only still buy her books but also the accessories related to them. This actually helps to generate a huge business. Now not only does she make money, but people from all corners of the world make a living selling product related to her stories.

She not only created a platform for her career but also gave a platform to millions of other people to create theirs.

A Few Final Words

You may be convinced that you should brand your work. But it is not that easy, and you might not be as successful as you’d like for a long time. Still, never give up hope. Try to put out some kind of content on a daily basis. And since humans learn by doing, try to diversify your output and improve your techniques.

A brand doesn’t limit you. So keep exploring many aspects of life and publishing your thoughts about it. We hope these suggestions come in handy for you.

Never give up!

Gemini Referral Code

Gemini Referral Link:

Gemini Referral Singapore

For the referral code, you may just click on the following Gemini Referral Link directly!

There are rewards (such as earn $10 USD in bitcoin when when one trades $100 USD in 30 days) for using the referral code/link to sign up!

Gemini is a digital currency exchange and custodian that allows customers to buy, sell, and store digital assets. It is a New York trust company that is regulated by the New York State Department of Financial Services (NYDFS) and was founded in 2014 by Cameron and Tyler Winklevoss (the famous Winklevoss brothers who were cofounders of Facebook).

Gemini Commission Fees

One of the key benefits of Gemini is its low commission fees. It is highly competitive among all the brokers. For example the charges for using its Active Trader application is 0.35%. This is very low considering that many exchanges usually charge upwards of 0.5%. For example Binance SG charges 0.60%.

Due to the low fees of Gemini (Active Trader), it is useful for people who are either trading frequently or trading in small amounts.

It is important to always use Active Trader (rather than the basic interface), as it has lower fees.

Gemini Singapore Review

Gemini is extremely fast for signing up. You can signup online within minutes, using Singpass to fill in personal details automatically.

Funding is using Xfers FAST transfer, but it is not subject to the $30k annual limit since it is considered a direct Xfers transfer. For this reason, Gemini is a viable option for those who have maxed out the Binance SG Xfers annual limit.

The fund transfer speed via Xfers FAST is quite fast (pun unintended), usually within minutes.

The website interface of Gemini has an excellent design, and is extremely user friendly.

Gemini Minimum Deposit

There is no minimum deposit for Gemini, and there is also no minimum number of coins or tokens you need to purchase. One can buy as low as just a fraction of Bitcoin.

Is Gemini Safe?

This is the most frequently searched question. Firstly, Gemini is a New York trust company that is regulated by the New York State Department of Financial Services (NYDFS). The official NYDFS press release for Gemini can be found here.

Secondly, The New York Times has reported that Gemini is trusted by Ari Paul, of the hedge fund BlockTower Capital, who deals in virtual currency.[9] According to reports by both Bloomberg News and Fortune magazine, Gemini was the first exchange to launch bitcoin futures contracts in December 2017. Fortune reported that Chicago Board Options Exchange (CBOE) uses Gemini “as the basis for the daily settlement for the bitcoin futures”.[10]

With any investing, there is always some risk, so do your research carefully before investing using any exchange!

Gemini Invitation Code / Promo Code

Once again, if you decide to sign up for Gemini, do use the invitation code by just clicking on the following Gemini Referral Link directly!

Disclaimer: The opinions on Gemini expressed in this blog post is for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide information on Gemini Referral Code. In particular, this blog post is not a substitute for obtaining advice from a qualified investment advisor.

The below YouTube video is a beginner friendly introduction and review of Gemini.

Coinbase Referral

Coinbase Referral Sign Up

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Coinbase is a listed company on Nasdaq, with ticker symbol COIN. As of March 2021, Coinbase was the largest cryptocurrency exchange in the United States by trading volume.

There are actually free gifts of crypto on Coinbase, just by signing up and watching some videos. The gifts are usually small amounts of lower cap crypto.

Coinbase Commission Fees

  • Coinbase charges a spread of about one-half of one percent (0.50%) for cryptocurrency purchases and cryptocurrency sales.
  • Coinbase also charges a Coinbase Fee (in addition to the spread), which is around $0.99 to $2.99.

Coinbase Singapore Review

Coinbase is quite fast for signing up. You can signup online within minutes. Note that they may require some identity verification such as ID (NRIC or passport) and a document containing your address (utilities bill, or bank statement).

The mobile app of Coinbase also has an excellent design, and is extremely user friendly.

Coinbase Minimum Deposit

There is a very low minimum deposit for Coinbase (around $50 recommended), and there is also virtually no minimum number of crypto you can buy (can buy as low as $2).

Is Coinbase Safe?

This is the most frequently searched question. Firstly, Coinbase has been granted a license exemption by MAS (Monetary Authority of Singapore). Their MAS exemption can be found here.

Secondly, all digital currency that Coinbase holds in its online hot storage is insured. If Coinbase were to suffer a breach of its online hot storage, the insurance policy would pay out to cover any customer funds lost as a result. 

Thirdly, Coinbase is regulated by SEC (U.S. Security and Exchange Commission). Their SEC license can be found here.

Lastly, for added security, there is 2-Factor Authentication option for Coinbase. Sometimes, there is 3-Factor Authentication (email authentication as well). You can set it up during registration, by providing your phone number and email.

With any investing, there is always some risk, so do your research carefully before investing using any broker!

Coinbase Invitation Code / Promo Code

Once again, if you decide to sign up for Coinbase, do use the invitation code by just clicking on the following Coinbase Referral Link directly! (Free Bitcoin from signing up using the referral link!)

Disclaimer: The opinions on Coinbase expressed in this blog post is for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide information on Coinbase Referral Code. In particular, this blog post is not a substitute for obtaining advice from a qualified investment advisor.

The below video is a very detailed review and tutorial on Coinbase (2021 updated).

Moomoo Referral

Moomoo Referral Singapore

For the referral code, you may just click on the following Moomoo Referral Link directly!

There are rewards (such as stock vouchers, commission-free trades, free market data, free Apple stock) for using the referral code/link to sign up!

Moomoo (FUTU) is an online broker listed on NASDAQ. It is backed by investors like Tencent. The main reason why people use Moomoo, is to trade US Stocks such as Tesla and NIO online. You can also trade Hong Kong, Singapore stocks using Moomoo.

Moomoo Commission Fees

One of the key benefits of Moomoo is its low commission fees. It is highly competitive among all the brokers. For example the charges for US Stocks (as of the time of writing) is just 0.0049 USD/share, for a minimum of 0.99 USD per trade. This is very low considering that banks usually charge upwards of USD$20 per trade. For example DBS Vickers charges a minimum of US$25.

Due to the low fees of Moomoo, it is useful for people who are either trading frequently or trading in small amounts.

Moomoo Singapore Review

Moomoo is extremely fast for signing up. You can signup online within minutes, using Singpass to fill in personal details automatically. Personally, I signed up on a Wednesday night, and the account was set up within a few hours on the same day. That is amazing speed.

The mobile app of Moomoo also has an excellent design, and is extremely user friendly. The exchange rate given by Moomoo is also highly competitive.

Moomoo Minimum Deposit

There is no minimum deposit for Moomoo, and there is also no minimum number of shares or lots you need to purchase. One can buy as low as just one single stock.

To qualify for the free Apple stock promotion, one needs to deposit SGD $2700. (Offer valid up till 30 April 2021.)

Is Moomoo Safe?

This is the most frequently searched question. Firstly, Moomoo is regulated by MAS (Monetary Authority of Singapore). Their MAS license can be found here.

Secondly, Moomoo has the backing of Tencent, which is a major Chinese tech company who develops very popular apps such as WeChat.

Thirdly, Moomoo is registered with the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC). SIPC protects against the loss of cash and securities – such as stocks and bonds – held by a customer at a financially-troubled SIPC-member brokerage firm. The limit of SIPC protection is $500,000, which includes a $250,000 limit for cash.

Fourthly, Moomoo itself is listed on the NASDAQ stock exchange, under the code “FUTU”.

With any investing, there is always some risk, so do your research carefully before investing using any broker!

Moomoo Invitation Code / Promo Code

Once again, if you decide to sign up for Moomoo, do use the invitation code by just clicking on the following Moomoo Referral Link directly!

Disclaimer: The opinions on Moomoo expressed in this blog post is for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide information on Moomoo Referral Code. In particular, this blog post is not a substitute for obtaining advice from a qualified investment advisor.

The below YouTube video is a beginner friendly introduction and review of Moomoo (FUTU).

Do also check out our review of Tiger Brokers, another popular trading app.

Tiger Brokers Referral: OAEMZD

Tiger Brokers Referral: OAEMZD

For the referral code, enter “OAEMZD” when prompted, or you may just click on the following Tiger Brokers Referral Link directly!

Currently, there are multiple rewards for joining Tiger Brokers:

  • 10% off coupon to purchase a share of Tesla (this alone can be worth around $60 USD)
  • 5 commission-free trades
  • stock voucher of up to 100 SGD (depends on initial deposit of funds)

My Dear Friend,

Sign up and join Tiger Brokers using my following link:

We both stand a chance to receive stock vouchers of up to SGD 100.

Best Regards!

Tiger Brokers Review

Previously, we have written an in-depth review of Tiger Brokers, including ease of use, reliability, and more. Do check it out!

Disclaimer: The opinions on Tiger Brokers expressed in this blog post is for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide information on Tiger Brokers Referral Code. In particular, this blog post is not a substitute for obtaining advice from a qualified investment advisor.

Last few months to mine Free Pi Coins (Referral Code: math88pi)

Pi Network Invitation Code: math88pi

I am sending you 1π! Pi is a new digital currency developed by Stanford PhDs, with over 10 million members worldwide. To claim your Pi, follow this link and use my username (math88pi) as your invitation code.

It is literally the last few months to mine Pi Coins, Mainnet is launching in estimated Q4 2021 which is just a few months away.

Pi Network has a halving procedure in place, similar to Bitcoin. Basically it means that, the mining rate will reduce by half  when a certain milestone is being hit (usually in terms of number of members). Eventually, the mining rate may even hit zero. This means Pi Coin eventually has a finite supply, just like Bitcoin.

We have a detailed review of Pi Network and Pi Coins in a previous blogpost.

Pi Wallet will be released on 31 March 2021

On the Pi Network’s official Twitter page, they announced that they will be releasing the Pi wallet on the Testnet with Test-Pi on March 31, 2021.

This is quite an achievement, Testnet is usually just one step behind Mainnet. For example, Ethereum has several Testnets such as Rinkeby Testnet. The Testnet can act as a test or experiment to see if there are any bugs, before rolling out the Mainnet which contains the actual Pi coins.

Pi network vs Bee network

In the previous blogpost, we detailed some reasons why Pi network is likely to be legit.

Unfortunately, the same cannot be said for Bee network:

  • Bee network is created by anonymous/unknown people.
  • Bee network is just a “clone” of Pi Network in many ways, up to their White Paper.
  • Not sure if Bee network is a legitimate blockchain project, or just one that is trying to ride on the waves of Pi Network.

Hence, currently, we recommend Pi Network but not Bee Network.

Disclaimer: The opinions on Pi Network expressed in this blog post is for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide information on Pi Network Referral Code. In particular, this blog post is not a substitute for obtaining advice from a qualified investment advisor.

Pi Network Referral Code: math88pi

In view of the upcoming Pi day (3.14), this topic of Pi Network is quite appropriate. In this blog post, we will share about Pi Network, what it is, and more.

Pi Network Invitation Code: math88pi

I am sending you 1π! Pi is a new digital currency developed by Stanford PhDs, with over 10 million members worldwide. To claim your Pi, follow this link and use my username (math88pi) as your invitation code.

Pi Network Review

Pi Network is an upcoming blockchain, with idea similar to Bitcoin, but yet with certain differences:

  • Pi Network uses the Stellar Consensus Protocol, while Bitcoin uses Proof of Work.
  • Pi Network is currently still in the early phases, meaning that it is not available on the “Main Net” yet, or on any exchange. Bitcoin is already very established as of 2021, even recognized by major institutions and banks.

Is Pi Network Safe / Is Pi Network Legit

While it is impossible to answer with 100% certainty, one can list at least 3 reasons why Pi Network is legit:

  1. Pi Network is listed on the Apple App Store. It is known that “Apple evaluates every app in detail before it’s available in the App Store to make sure that it doesn’t contains viruses.”
  2. Pi Network is created by real known people (Stanford PhDs: Dr. Nicolas Kokkalis and Dr. Chengdiao Fan) who put their real name upfront. Their identities are verified by Stanford Daily, which is the official student-run, independent daily newspaper serving Stanford University.
  3. No money is involved in using Pi Network app. No credit card details are needed. Hence, it is impossible that Pi Network is trying to scam money since no money is involved.

Is Pi Network Worth Anything

This is another popular question, on whether Pi Network is worth it. Firstly, Pi Network only takes few seconds per day, to tap the mine button. Hence, the total time wasted is very minimal.

Secondly, once Pi Network goes live on the Main Net, it has to be worth something non-zero. Many YouTubers have analyzed its worth (Pi Network price predictions), the below video has quite a mathematical estimate of what Pi Coin is worth.

Pi Network Referral Link:

Pi Network Invitation Code: math88pi

Pi Network Mining

Pi Network coins are able to be mined on a mobile phone. They are very unlike the Proof of Work algorithms which require massive amounts of electricity and computing power. In fact, the coins can be mined without WiFi or running in the background.

What is happening at this stage is actually “pre-mining”, which is consistent with the Stellar Consensus Protocol (SCP):

Pi Network differs from traditional cryptocurrencies in that the coins are “pre-mined” or pre-generated from the start. When you initiate mining on the Pi Network app, you are simply being a distributed a set amount of coins per hour. Because the coins are pre-generated, your phone doesn’t do any heavy computational tasks, and power impact is minimal.


The mining of Pi Coin has a halving stage, just like Bitcoin. Eventually, the mining rate could even fall to zero. This helps to reduce inflation.

Disclaimer: The opinions on Pi Network expressed in this blog post is for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide information on Pi Network Referral Code. In particular, this blog post is not a substitute for obtaining advice from a qualified investment advisor.

Google Pay Referral Code: pm3yp1a

Google Pay Referral

Join me on Google Pay and you’ll earn $3 when you opt in to Google Pay offers and rewards and make your first payment (min. $10)! Terms apply. Download the app and use my referral code pm3yp1a to get started.

Google Pay Referral Code: pm3yp1a

Actually, one can just send $10 to your family member/friend to and fro, in order to earn the cashback rewards. There are also some kind of “Huat Pals” game to be played to get additional rewards.

Google Pay Referral Reward 2021

The current referral reward for Google Pay in 2021 is $3, but there are many other cashback rewards:

  • Earn $2.5 cashback on your next movie at Shaw
  • Send money to friends & earn up to $10 twice a week
  • Earn $2.5 cashback on your next movie at Golden Village
  • Order food on Google Pay and get $2.5 cashback
  • Scan to pay in stores and earn up to $10 twice a week
  • Free Upsized Meals from Burger King on Google Pay
  • and more…

Download the app and use my referral code pm3yp1a to get started!

Payoneer Referral Link

Payoneer Referral Link:

Payoneer Referral Link

Payoneer Referral Link ($35 sign up bonus):

Payoneer is the “Israeli PayPal”, specializing in B2B online payments. Typical users include sellers/freelancers who earn on international platforms such as Amazon, Fiverr, Airbnb, and wish to transfer their USD earnings to local bank accounts.

Payoneer often has lower fees than PayPal, as well as better customer service. For instance, Payoneer has a 4.4 rating on Trustpilot, versus Paypal’s dismal 1.2 rating.

Payoneer is one of biggest tech companies in Israel. In 2019, Israel’s former chief economist of the Ministry of Finance Yoel Naveh joined Payoneer, leading Payoneer’s working capital division.

Payoneer Referral Link ($35 sign up bonus):

Soundtech Digital Timer Manual

Soundtech MDT-269 Manual PDF

This is one of the good automatic digital timers in the SG market. It is very suitable to use as a timer for aquarium lights.

The manual is not found online, and it is not exactly obvious how to set it without looking at the manual. Hence, we have uploaded the manual below.

Soundtech Digital Timer Manual PDF: Soundtech Timer Manual

Soundtech Mini Digital Timer Manual

Please read the following information carefully before using this timer.
• •Countdown Function
• Automatic Reminding
• Up to 20 ONIOFF settings day, 140 ON/OFF settings per week
• Summer/Winter time optional
• 24 hours and 7 day S Programming application
2 NY button- set the day of the week;
3 HOUR button – hour setting;
4 CLOCK button- real-time setting;
5 button- push and release to set or
change programmed on and off times;
6 button -push and release to
manually switch AUTO OFF, ON, AUTO
ON, or OFF at any time.

7 RESET button – clear all the programs and real time with a sharp object such as a pencil;
8 MIN button- minute setting;
9 button – clear a program setting;
10 CTD button – set the countdown tire.
LCD Display Are* Introduction:
1. Real -time;
2. MO TU Day of the week;
4. SUMMER time;
Setting Present Time:
1. Press ‘CLOCK’ and ‘DAY’ at the same time to get the correct day.
2. Press ‘CLOCK’ and ‘HOUR’ at the same time to adjust hour time.
3. Press ‘CLOCK’ and ‘MIN’ at the same time to set the minute.
4. Press ‘CLOCK’ for 3 seconds to choose SUMMER TIME or not. One hour will be added under SUMMER state.

Initial Operation:
The timer uses rechargeable batteries that need to be charged before the timer
functions can work. Before attempting any programming, plug the timer into a power outlet and switch on. Allow around 10 minutes for the initial charge.
Use a pointed object, such as a pen or pencil, to clear the memory by pushing the RESET button.

Countdown Setting:
I In timing state press CTD Countdown button, LCD display “countdown 0:00 00”
2 Press”HOUR””MlN”button respectivel to set countdown time.
(long press CTD Countdown button to clear the setting)
3 Press CTD Countdown button again to start the count mode and another pressing can
make it a pause. Press CLOCK button to get back to real-time state.
Note : During countdown mode, press CLOCK button to show current time and back to countdown mode in 3 secondS automatically. If press CTD Countdown button during 3 seconds, the countdown mode stop.

At the end of the countdown, the buzzer sound out. and will be stopped automatically after 1 minute. If a button is pressed during this time, the buzzer sound will stop

1. Press SET button once, the display will now show “ON 1” mode.
2. Press respectively to set the days, hour and minute
you required. While each push of •DAY* button will cycle through the following options,
• Each separate day
• All 7 day of the week
• Working days only
• Weekend
• Monday to Saturday
• Monday, Wednesday, Friday
• Tuesday. Thursday, Saturday
• Monday, Tuesday, Wednesday
• Thursday, Friday, Saturday
3. Once the “ON’ time is set, press SET button once. The display will now
show •OFF 1′
4. If you wish to clear a programme setting, push the RST/RCL button. Pushing
the RST/RCL button again will reinstate the setting, which only the displayed
setting will be affected.
5. Repeat the step 1 to 3 for ON2/OFF2,
If no operation is applied to the timer for about 20 seconds, it will get back to the
Real-time display automatically.
Press the MANUAL to set the timer to your desired operation mode. Each push of
this button will cycle through the following settings which are shown on the display:
AUTO OFF: Timer is switched off and will switch ON at next programmed ON time.
ON: Overrides all programming and switches the timer permanently on.
AUTO ON: The timer is switched ON and will be switched OFF at the next
programmed OFF time.
OFF: All programming is overrode and tt e time is switched permanently off.
• For indoor use only.
• Connection must be to the voltage requirements as specified in the rating label
located on the product.
• Do not immerse timer in any liquid, expose to weather, moisture, temperature
where it is too high or too low, or where it can be collided or shaken easily.
• DO not disassemble this timer by yourself.
• Clean the housing and the LCD with soft cloth, do not wash it with the corrosive chemical reagent and suds.

Converted from PDF to text via: (This OCR free website is surprisingly good.)

7 Best article rewriter to use in 2021 [Free & Paid]

You might hear that “CONTENT IS KING” but it is only when it is unique. This content can help you to fulfill your requirements.

For instance, the students can spin the assignments when getting out of the ideas and similarly, the bloggers can spin the blog posts if found with plagiarism.

There are numerous article rewriters that are available for free over the internet but not all the rewriters are capable of having efficient working to meet your expectation.

Below, we have reviewed 10 article rewriters that are effective in spinning or rewriting your document.

1.   WordAi

One of the top-ranked and most efficient article rewriters is WordAi. The WordAi is based on modern technology including artificial intelligence which makes the rewriting better.

Some of the best features of the WordAi are mentioned below:

  • This article rewriter/paraphraser creates the content that is enriched in human-readable and this way, the content becomes appropriate for the SEO
  • It is one of the popular tools for rewriting because it helps individuals to spin the article in bulk
  • It uses artificial intelligence to find the relation between the sentences and this way, it generates the new article at its best
  • It integrates the plagiarism checker “CopyScape” to directly checks the plagiarism once the article is rewritten
  • Comparable to the efficiency of its working, this price of this website is quite affordable and most of the students are already using it for their assignments and thesis

There are different options for spinning your article on this tool. For example, it features the options of very readable, readable, unique, very unique.

The tool would create the content according to your selected option and there is no limitation of words on any of the options.

2.   Prepostseo article rewriter

Prepostseo not only offers article rewriter instead it offers several other SEO and education tools. An article rewriter is one of the famous tools that this website offers and this tool is amongst the best in the market.

The most amazing fact about this tool is that it offers free usage to all without any limitations. This is the reason why most freelancers, students, marketers, and bloggers love this website.

Below, we have mentioned some of the best features of this online tool that makes it efficient and between the top.

  • The article rewriter of this website has different variations including Simple, Advance, and Beta (based on artificial intelligence)
  • The artificial intelligence version of this tool is quite efficient because it generates content that is highly readable and it improves the sentence structure thus selecting a more effective selection of words
  • There are different options for adding the content for rewriting including pasting the content, uploading from the device, and cloud storage (Google Drive, OneDrive)
  • This article rewriter is also usable through an android article rewriter for free
  • Once you rewrite an article, it will allow the user to change the selection of words by entering the word of your own or selecting the word by the suggestion of the tool
  • The working of this tool is amazing as it keeps the original meaning of the writing

The article rewriter doesn’t require any registration nor it requires any subscription. This tool is accessible instantly and without any cost. The user doesn’t need to enter the details for the credit card instead they just need to open the tool and enter their text to proceed.

3.   Spin Rewriter

The Spin rewriter is another amazing article rewriter that works for changing the majority of the words of a context along with the maintenance of the content.

The Spin Rewriter tool is famous because of the ELN technology which helps to offer unique content when you spin the original content.

This technology makes the spinning more efficient and meaningful. For instance, when you enter the text into the tool, it will change most of the words of the content but it will not change the actual thoughts of the content.

The Spin Rewriter is the favorite tool for marketers and businessmen. Not only this, it converts the complex sentences into a human-readable tone which makes it according to the search engine as well as easy to understand for all types of readers.

This tool is not free instead but it’s not too expensive. The plan of this tool starts from the=$47/month while you can also buy the permanent subscription by paying $495 for just a single time.

4.   Chimp Rewriter (Desktop Version)

This is another amazing article rewriter tool that works based on artificial intelligence and Machine Learning. The Natural Language processing of this tool makes this tool easy to understand your writing and then convert it into a fresh copy.

The rewritten articles from this tool contain the same ideas that of the original article and this way, this tool doesn’t affect the quality of your writing. Instead, it increases the quality by selecting the best words for maintaining the meaning as well as improving the understanding of the writing.

The Chimp Rewriter supports almost all languages and this tool is popular worldwide. Whether you are willing to remove the plagiarism or you are wishing to have more effective writing, you can easily use this rewriting tool.

The tool is supportive to rewriter and along with that, you can instantly clear all the grammar mistakes in your writing.

The chimp rewriter is not a free tool nor it offers a free trial. To use this, there are two pricing plans including $15/month and $99/year.

5.   Ai Article Spinner

Ai Article Spinner is another tool for rewriting and the most amazing part of this tool is that it is an entirely free tool for everyone. Whether you wish to rewrite thousands of pages, this tool will help you without spending a penny.

This tool has joined the market of artificial intelligence as they have integrated the AI-Based algorithms for making qualitative content for the original writing.

With this tool, you can easily generate content that is plagiarism-free and holds the same meaning as it had in the original context.

There are three modes of rewriting including Good, Better, and Best. This article rewriter is worth it for the bloggers and marketers because this tool features the improvement in the sentence structure.

Not only the sentence structure, but it also replaces the words with the most appropriate synonyms, and this way, it keeps the original ideas of the writing.

6.   The Best Spinner 4

The Best Spinner 4 is a premium tool that offers different unique features for all types of professionals. The Best Spinner 4 have a built-in seed and PLR articles which makes it more efficient for the one that has to produce more article in less time.

It not only makes your content unique but also helps to get some high-quality pictures relevant to your article as a bonus. These pictures can be used for any purpose and you won’t face any copyright issues.

The Best Spinner 4 is best for the one that works for content production. For example, this tool also features the conversion of text to audio.

The accuracy of this spinner is quite high because it generates better revision by using the latest technology.

7.   Spinner Chief

The most amazing thing about Spinner chief is the availability of an article rewriting tool for the online web version as well as for downloading on Desktop.

The most unique feature of this application is that it offers team collaboration with the help of the Team collaboration version of this tool.

With the option of importing the file into multiple formats including DOC or TXT. It also features the grammar checker along with the rewriting tool while all of the grammatical errors are cleared automatically.

For web owners, this application also features the API which can be integrated with a lot of tools or websites.

This tool also offers a free trial, as well as the newly launched version (Spinner chief 6), which is available for just $6. The premium packages are quite affordable for students and bloggers. The packages start from $175 for lifetime usage.

Buying property off plan

Obviously the prices of buying your property off plan will vary. Factors that can increase the price of your off plan property are location, the size of the property, access to local towns/cities and airports and the legal fees.The size of the property can effect the price, larger properties cost more than smaller ones to build.The location of your spanish property can effect the price that you pay. The location can effect the price of your off plan property, if it in a tourist area then it may cost more to build there however it can also generate good renting prospects as some properties in the south of spain only need to be rented out for around 18-20 weeks a year in order to cover the mortgage, that leaves you with a minimum of 32 weeks in the sun. One point you should always keep in mind when looking at the price of a property is the lawyers costs, the registration costs and the notary costs. This can range from being anywhere between 5% and 10% of the original cost of the property.

Best property in Mallorca –

Advantages of Buying Off Plan:

Some advantages that you can find from buying your spanish property off plan are:

That you only pay the amount that the property was valued at when you first signed the contract for example should you buy a house for €100,000 and then by the time that the property has been built it has increased in value to €130,000 you still only have to pay €100,000.

Should you change your mind about the area or the property then usually you have the option to sell your property prior to completion and the writting of the deeds (escritura). However before you sign the contract to start building your property you should ask if this service is available to you because it is not always.

Buying an off plan property is usually about 30% cheaper than buying a ready built or resale property. It is generally much simpler to buy off plan in terms of searching for the right property for you. This is because you can see straight off what the property is going to be like through arctitectual drawing unlike when you go to view a resale house they can be very diferent to what they look like in picures on the website or prospects. Also with off plan buying you have can change the aspects of the house that are not to your taste or that you had imagined to be different in your dream house.

There can be advantages to buying your property off plan but through “ready made” plans. By doing it this way you can get all the benefits of buying off plan but there is less stress placed upon you to come up with a design for your property. The downside to this is that there may well be quite a few properties that look very similar to yours. It does also mean that there should be less cost with architects because the plans are already there.

Tiger Ang Pow

Tiger Brokers has launched the Lunar New Year campaign (Tiger Ang Pow). Click on the “Open” button via the campaign page below to initiate an Ang Pow opening mission and share the 88 SGD stock voucher with friends together!

Click on “Open” button link below:

Besides, the referral promotion is also available. When your friend registers with your invitation code and opens an account successfully, both you and your friend will get 5 commission-free trades for stocks denominated in USD or HKD. When your friend makes the initial deposit, both you and your friend will get a stock voucher of up to 100 SGD.

Disclaimer: The opinions on Tiger Brokers expressed in this blog post is for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide information on Tiger Brokers Ang Pow. In particular, this blog post is not a substitute for obtaining advice from a qualified investment advisor.

GameStop Short Interest

GameStop Short Squeeze is recently a very hot topic in the USA, and refers to the short squeeze of the stock of the American video-game retailer GameStop and other securities that took place on various stock exchanges, causing major financial consequences for certain hedge funds. It has been reported in many news outlets, including CNBC, BBC, and Reuters.

There are a few free sites to check out the GameStop current short interest, or the GameStop short interest today. Short interest is the number of shares that have been sold short but have not yet been covered or closed out. A related concept, short interest ratio, represents the number of days it takes short sellers on average to cover their positions, that is repurchase all of the borrowed shares.

GameStop Short Interest Data

  1. One of the sites to check out the current GameStop Short interest is: It uses data from Ortex or S3Shortsight.
  2. Another site is the Twitter Page of S3 Partners, which is a FinTech company. They often publish the statistics for GameStop (GME) short interest on a daily basis.
  3. A third source is Ihor Dusaniwsky’s Twitter Page. Ihor is the Managing Director of Predictive Analytics at S3 Partners. He posts GameStop Short Interest information on a regular basis, including some explanations to beginners.

Note that there are two ways to calculate short interest (SI):

  1. SI = shares shorted / (float). This value can exceed 100%.
  2. SI = shares shorted / (float + shares shorted). This includes the “synthetic longs” created by short selling, and will be a value between 0% to 100%.

GameStop Short Squeeze

Do also check out the Twitter Page of Michael Burry, where he posts information about GameStop Short Squeeze, GameStop Gamma Squeeze and more. Michael Burry is a famous investor and inspired the main character in the movie “The Big Short”.

The Big Short: Inside the Doomsday Machine

The Big Short

Secondary 1 Chinese Exam Papers

中一华文试卷, 中一高级华文考卷

There seem to be very few Sec 1 Chinese / Higher Chinese Exam Papers available online, be it free or for sale. Similarly, Secondary 2 Chinese Exam Papers are equally rare.

The only resource online we can find is:

It contains Secondary 1 HCL MYE (Mid Year Exam) Revision Materials 2017, which is still relatively recent. There are also lists of Chinese vocabulary for different chapters, as well as tips for Chinese Oral Exam. Do download the PDF and Zip files while it is still online!

On the opposite spectrum, Secondary 4 ‘O’ Level Chinese or Higher Chinese Exam Papers are very common, almost every site has it, it is very easy to find.

For example, there is a 292 page PDF document on Smile Tutor full of free Secondary Four Higher Chinese Exam Papers from various schools such as Cedar, Victoria, or Nanyang Girls’ High School:

If you find any Secondary 1 or 2 Chinese Notes/ Exam/ Test paper materials, do comment down in the comment section below! It will help many readers who are searching for free Chinese Exam Papers (Secondary 1 or Secondary 2).

Related posts: 

Ethereum in real life (Duke University is teaching Ethereum)

Ethereum has started to see many actual use cases in real life. For instance, major companies like Amazon, Microsoft, Google, Visa are all starting to adopt Ethereum as part of their real life usage.

Ethereum has started to appear in education as well. Duke University (one of the top universites in the USA), has started teaching modules of “Ethereum and Smart Contracts” as part of the syllabus.

Course description (Ethereum and Smart Contracts course in Duke University):

“Learn how to develop smart contracts and decentralized applications on the Ethereum Blockchain as well as history and trends of Ethereum itself. Ethereum is the most promising decentralized smart contract platform, and blockchain developers are in high demand. Learning these skills will give you a leg up in the blockchain world, especially in the Ethereum ecosystem. We will cover Ethereum (the platform), Solidity (the programming language), Truffle (the developer framework), and web3.js (the front-end library). Preference: some blockchain/cryptocurrency understanding. Prerequisite: basic programming skills.”

Trinity College of Arts and Sciences at Duke University

Ethereum Book

Learning blockchain technology should be a very marketable skill in the near future. Currently, there are two main ways to learn it, through online courses or through books.

Mastering Ethereum: Building Smart Contracts and DApps

The book above is authored by Dr Gavin Wood, who was the creator of the Solidity language and cofounder of Ethereum.

Ethereum Real Life Applications

Recently, the blockchain Ethereum is starting to gain widespread acceptance, many major companies such as Microsoft, Google, Amazon are already using it.

In terms of publicity, Ethereum is still behind its more famous cousin “Bitcoin”, but that should change in the near future. In fact, many people have postulated that a “flippening” may happen where Ethereum takes over Bitcoin as the cryptocurrency with the largest market cap.

In this blogpost, we list the real life applications and uses of Ethereum, using official sources as far as possible. That is, if Google is using Ethereum, we will try to point to the official Google website instead of a third party news site. Otherwise, we will only use very reliable third party sources such as Forbes, etc.

Amazon Ethereum Blockchain

This is very recent news, on Dec 21 2020. Amazon Managed Blockchain now supports Ethereum. With Amazon Managed Blockchain, AWS (Amazon Web Service) customers get secure networking, fast and reliable syncs to the Ethereum blockchain, durable elastic storage for ledger data, encryption at rest and transport, and secure access to the network via standard open-source Ethereum APIs.

Official Amazon Ethereum Blockchain news:

Google Cloud & Ethereum

Ethereum can inter-operate with Google Cloud’s enterprise cloud data warehouse (BigQuery) via oracle middleware (Chainlink). At a high level, Ethereum Dapps (i.e. smart contract applications) request data from Chainlink, which in turn retrieves data from a web service built with Google App Engine and BigQuery.

Official Google Cloud & Ethereum news:

Ethereum Blockchain as a Service on Microsoft Azure

Microsoft and ConsenSys (a blockchain software technology company) are partnering to offer Ethereum Blockchain as a Service (EBaaS) on Microsoft Azure so Enterprise clients and developers can have a single click cloud based blockchain developer environment. The initial offering contains two tools that allow for rapid development of SmartContract based applications: Ether.Camp – An integrated developer environment, and BlockApps – a private, semi-private Ethereum blockchain environment, that can deploy into the public Ethereum environment.

Official Microsoft Ethereum news:

Visa Ethereum

Visa announced it is connecting its global payments network of 60 million merchants to the U.S. Dollar Coin (USDC) developed by Circle Internet Financial on the Ethereum blockchain.

Forbes news:

Visa didn’t quite announce it on its official Visa website, but we can see that Visa is actively recruiting engineers with Ethereum and Solidity (the programming language on Ethereum) experience.

Visa is actively recruiting engineers with Ethereum experience:

We’re seeking a strong developer experienced with Ethereum and blockchain architecture to be a part of
team tasked with building distributed application. Our ideal candidate has built and released distributed
applications, has worked with the Ripple, R3, Ethereum and/or Bitcoin blockchain, and has experience with Solidity

Multiple Positions are available in Austin, TX and Foster City, CA locations

Source from Official Visa website:

Ethereum JP Morgan

The Blockchain Center of Excellence at J.P. Morgan leads efforts for Distributed Ledger Technology applications, actively researching blockchain use cases to develop in-house technology and pilot solutions across lines of business within J.P. Morgan.

The program also manages strategic relationships and investments with key vendors and consortia, including Enterprise Ethereum Alliance (EEA). The Enterprise Ethereum Alliance is a member-led industry organization whose objective is to drive the use of Ethereum blockchain technology as an open-standard to empower all enterprises.

Official JP Morgan Ethereum news:

Other Ethereum use cases

A full list of companies using (or interested in using) Ethereum can actually be seen on the Enterprise Ethereum Alliance website, under the members section. We can see that many big name companies are part of the Enterprise Ethereum Alliance, including:

  • Accenture
  • Baidu
  • Dell (Boomi)
  • Ernst & Young
  • Intel
  • PricewaterhouseCoopers LLP
  • Standard Chartered Bank
  • VMware, Inc.

It is interesting to note that 2 of the “Big Four” accounting firms, Ernst & Young and PricewaterhouseCoopers are interested in Ethereum and smart contracts, which could potentially change the accounting industry.

According to Business Times Singapore, 80% of current accounting tasks will soon be done by machines, displacing humans in most junior finance roles.

Calendar 2021 Singapore

Printable Calendar 2021 Singapore

Free printable 2021 calendar Singapore available for download in the link below.


In the 2021 Monthly Calendar Singapore (printable) attached above, we see that Chinese New Year falls on 12 February, which is a Friday. Hence there is a long weekend stretching from 12 February (Friday) to 14 February (Sunday).

Another long weekend we can see in the Singapore calendar 2021 with public holidays, is the Good Friday long weekend starting on 2 April 2021 (Friday) to 4 April 2021 (Sunday).

The next long weekend is potentially the Labor Day long weekend, as can be seen in the above Singapore calendar 2021 with public holidays. Labor day (1 May 2021) falls on a Saturday, hence it is up to one’s employer to offer a day off-in-lieu.

The second last official long weekend should be the National Day public holiday, ranging from 7 August (Saturday) to 9 August (Monday).

Lastly, the last long weekend in 2021 according to the printable calendar is Christmas, ranging from 25 Dec 2021 (Saturday) to 26 Dec 2021 (Sunday), and potentially 27 Dec 2021 (Monday) if there is a off-in-lieu.

The above printable calendar is generated by Calendar Labs.

NIO ES8 Aluminium: Li Bin’s Genius Aluminum Strategy (no other country can copy NIO!)

Summary: There are only 3 countries in the world that can make more than 10 million all-aluminum Electric Vehicles per year.  NIO happens to be in one of them that can make 100 million per year, and Li Bin has taken full advantage of this fact. No other country can copy NIO at a large scale since there is simply not enough aluminum (unless heavy imports are done which will further drive up the price of aluminum).

Two of the above 3 countries have to use up their entire aluminum production to achieve 10 million all-aluminum cars, which is not practical since there are other important uses for aluminum besides cars.

NIO ES8 Aluminium

NIO’s CEO Li Bin has made the genius decision for the NIO ES8 to be completely aluminum, or to be precise, the ES8 uses 96.4% aluminum, the highest percentage of aluminum used in an all-aluminum body in mass production worldwide.

The clear benefit of aluminum over steel is that it is lighter. The NIO ES8 uses an all-aluminum frame, which is about 40% lighter than traditional steel bodies (density of steel 7.8 g/cm3> aluminum 2.7 g/cm3).

With a lighter body, an all-aluminum car would be able to travel further than a steel car per unit of battery power. It is very clear that an all-aluminum car is superior to a steel car.

The NIO ES8’s body-in-white weight is 13.6% of the total vehicle weight, which is 2460 kg. That means, the weight of aluminum in one NIO ES8 car is  approximately 13.6%x2460 = 335 kg.

The genius of Li Bin’s strategy is that no country can copy this all-aluminum strategy on a large scale, as shown in the calculations below. To further add to this, Li Bin must have thought and planned for this very early, well before the factory of ES8 was built.

How many All-Aluminum Cars can each Country make per year

The yearly aluminum production of each country is taken from Wikipedia: List of countries by primary aluminium production.

China produces 36,000,000,000 kg of aluminum in a year. Since one NIO ES8 contains 335 kg of aluminum, that means that:

China can make 36,000,000,000/335 = 107 million aluminum cars per year

Similar calculation for India, India produces 3,700,000,000 kg of aluminum in a year. Since one NIO ES8 contains 335 kg of aluminum, that means that:

India can make 3,700,000,000/335 = 11 million aluminum cars per year

We do the other calculations in the table below. Note that India and Russia have to use up 100% of their aluminum in order to exceed the 10 million aluminum cars target per year. Other countries cannot make more than 10 million all-aluminum cars even if they use up all their aluminum production.

Rank Country/Region Aluminium Production (thousands of metric tons) No. of Aluminum Cars per Year (millions)
1 China 36,000 107
2  India 3,700 11
3  Russia 3,600 11
4  Canada 2,900 9
5  United Arab Emirates 2,700 8
6  Australia 1,600 5
7  Bahrain 1,400 4
8  Norway 1,300 4
9  United States 1,100 3
10  Saudi Arabia 932 3

Number of all-aluminum cars each country can make at the maximum (per year).

Shaoqing Ren NIO: The Genius of Autonomous Driving

Ren Shaoqing NIO – Top Researcher in Autonomous Driving

Not many people know this, but NIO car manufacturer’s head of AI, Ren Shaoqing (任少卿) is an absolute genius in the field of autonomous driving. In this blog post, we will detail facts about Dr Ren Shaoqing and his research in self driving and autonomous driving technology. We will also introduce other top researchers in the field of autonomous driving. All our sources are from Google Scholar and other trusted sources.

Ren Shaoqing NIO – the secret weapon of NIO Autonomous Driving

Everyone knows that the main trumps of electric vehicles are clean energy, and autonomous driving. NIO has managed to hire the top researcher in the field of autonomous driving. They are quite low profile about it, not many people know about this at the moment.

Just click on the Google Scholar (Autonomous Driving) link, it will show you the full ranking of the top researchers in the field of autonomous driving, ranked by the official Google Scholar algorithm according to citation count.

The top 5 researchers in the field of Autonomous Driving, ranked by the official Google Scholar page.

Just look at the top researcher in the list, it is Dr Ren Shaoqing of NIO, with a whopping 111,396 citation count (as of Dec 2020). Citation counts are a way of measuring the impact of a researcher’s work. Basically, the more citation counts means the more people are noticing and citing the researcher’s papers. Ren Shaoqing’s citation count of 111k is typically 10 times more than a Full Professor at most universities.

In terms of quantity of citations, it is clear that Ren Shaoqing (NIO’s head of AI), is at the top of the game. How about quality of research?

Dr Ren Shaoqing’s research quality is top notch as well!

Ren Shaoqing NIO – Achievements in the field of Autonomous Driving

  • First author paper at NIPS (Conference on Neural Information Processing Systems), which is one of the best conferences in computer science. The paper’s topic is “Faster R-CNN: Towards real-time object detection with region proposal networks”. Real-time object detection is very related to autonomous driving, it helps the car detect objects and obstacles in real time.
  • CVPR Best Paper Award, 2016. CVPR is the premier annual computer vision event comprising the main conference and several co-located workshops and short courses. His co-authored award winning paper is titled “Deep Residual Learning for Image Recognition”.
  • ImageNet Large Scale Visual Recognition Challenge (ImageNet) Competition Winner Award, 2015
  • COCO Detection Challenge Winner Award, 2015
  • Microsoft Research Asia Fellowship, 2014
  • National Scholarship of China, 2010

In case, if anyone is thinking that Dr Ren Shaoqing is just an academic nerd with no business experience, that would be totally wrong! He has business and startup experience as well, he co-founded an autonomous driving software startup, which grew into unicorn (private company with a valuation over $1 billion) in three years, aiming to help people live a better life with improved safety and efficiency of driving through artificial intelligence.

More of Ren Shaoqing’s achivements in autonomous driving and self driving can be found on his personal website.

Some of the comments on Ren Shaoqing’s personality can be found on Chinese website Zhihu (Chinese version of Quora):



Ren Shaoqing is a young guy, he is very humble with no airs. He is a very refined person, and his team is very close to him. Shaoqing’s style of doing things does not seem to be hurried, his style is slow and steady, but when it comes to “fighting”, he is also super persistent. I remember that there was a period of time when he spent the whole day in various meetings and interviews, which lasted until after 12am midnight. At this time, he did not leave office in a hurry, but continued to do some work that could only be done by calming down in the quiet of the night. In the early days, he was mainly responsible for the research and development of visual perception. Later, he was responsible for the projects related to autonomous driving on highways for a period of time. When I left, he was still responsible for the research and development of visual perception.


Other Top Researchers in Autonomous Driving

Other than Ren Shaoqing of NIO, there are also other genius top researchers in the field of Autonomous Driving. Interestingly, the third highly ranked researcher in Autonomous Driving (Dr Zhou Xing) is also affiliated to NIO!

We compile some of the top researchers in autonomous driving in the table and barchart below.

Top Researchers in Autonomous Driving and Computer Vision

We list 15 top researchers (with more than 1000 citations) in the field of autonomous driving and computer vision. Notice that #1 and #3 on the list are from NIO!

Rank Name Citations
1 Shaoqing Ren (NIO) 111396
2 Andrew Blake (Samsung) 57258
3 Zhou Xing (NIO, Stanford) 36267
4 Raquel Urtasun (Uber, University of Toronto) 34264
5 Andrej Karpathy (Tesla) 32692
6 Jonathan P. How (MIT) 31601
7 Gang Wang (Alibaba) 16240
8 Uwe Franke (Daimler Mercedes-Benz) 13485
9 Fisher Yu (ETH Zurich) 13150
10 Dmitri Dolgov (Google) 8381
11 Markus Enzweiler (Daimler Mercedes-Benz) 7917
12 John M. Dolan (Carnegie Mellon University) 7206
13 Forrest Iandola (Tesla) 6277
14 Xinzhou Wu (XPENG) 5787
15 Tianjun Xiao (Tesla) 2588

Chart of top researchers in Autonomous Driving, ranked by Google Scholar Citations.

We can see from the barchart above that all 15 researchers (ranging from NIO, Tesla, XPENG) are very excellent in their field, producing research with more than 1000 citations in the field of autonomous driving or closely related fields like computer vision.

It is clear that Ren Shaoqing is one of the brightest stars in this exciting new field of Autonomous Driving!

Ren Shaoqing – the 21st Century Zhuge Liang of Autonomous Driving

Based on Ren Shaoqing’s personality (devoted and extremely hardworking 鞠躬尽瘁, but yet calm and unhurried) and achievements in autonomous driving, he bears close resemblance to a legendary character in Chinese history: Zhuge Liang.

In Chinese history or legend, Zhuge Liang was a famous military strategist and inventor. He is said to invent the first self-driving (or self-walking) cow, called the Wooden Cow Flowing Horse (木牛流马). It was said to be able to walk by itself and was used to transport grain during the Northern Expedition.

The self-driving car (or rather cow), invented by Zhuge Liang, according to legend.

Hence, Zhuge Liang can be said to be the father of autonomous driving or self-driving, according to legend. Will Ren Shaoqing (NIO’s head of AI) become the Zhuge Liang of the 21st Century and invent the perfect autonomous self-driving car?

NIO Book

Currently, there is no NIO book available as history is still being written! We will definitely add them here if books on NIO become available. For a deeper insight into Electric Vehicles and Autonomous Vehicles, there are several great books on Amazon.

Elon Musk: Tesla, SpaceX, and the Quest for a Fantastic Future
(New York Times Bestseller!)

Autonomous Vehicles: Opportunities, Strategies and Disruptions: Updated and Expanded Second Edition
(Autonomous vehicles will change our fundamental lifestyles and create what are perhaps the most significant opportunities of this century!)

Autonomy: The Quest to Build the Driverless Car―And How It Will Reshape Our World
(Autonomous Vehicles are said to be the innovation that promises to be the most disruptive change to our way of life since the smartphone!)

NIO Car Battery Swap Videos

Interesting real life video of NIO car battery swap. Interestingly, the NIO car BaaS battery swap center in Shanghai is right next to its competitor Tesla’s Supercharger! The battery swap section is right at 8:55.

The above YouTube channel is a reliable and unbiased one, not set up specifically to promote NIO. It has been around for years, showing how the channel’s owners who are just in their 40s “retire” in Malaysia. They are currently back in Shanghai, not sure if it is permanent or just temporary to avoid the COVID situation in Malaysia.

By the way, in the video, the people are discussing how a house in Shanghai costing 6 million RMB (or almost 1 million USD) is “cheap”! This shows how rich the people in Tier 1 cities in China are, buying an electric car is no big deal for them, as long as the quality is good.

The video above is another authentic video from a real life NIO owner, performing battery swap in another Tier 1 city in China, Shenzhen. The entire battery swap process takes around 4.5 minutes, provided there is no long queue. This is just as fast or even faster than refilling petrol.

Battery swap can be considered as a moat of the company NIO. It is not easy for other car companies to suddenly switch to battery swapping since that would involve significantly redesigning their car or factory.

NIO cars can also charge the battery the conventional way, in addition to battery swapping. Another advantage of battery swapping is that older NIO car models can easily “upgrade” to a newer battery, for example from 70 kWh to 100 kWh.

Check out NIO’s CEO Li Bin launching the new 100 kWh battery in the video below, just recently in November 2020. The 100 kWh battery is on par with Tesla’s Model S.

Tesla vs NIO (NIO is the only other company to follow Tesla’s “Master Plan”)

Tesla is a famous company founded by billionaire genius Elon Musk. Elon Musk is the CEO and founder of multiple high-tech companies such as Tesla, SpaceX and Open AI.

It is highly recommended for gifted kids and parents to read about Elon Musk and his unique childhood and personal traits. Currently, there is a promotion where you can listen to the bestselling audiobook free if you Try Audible Plus.

Elon Musk: Tesla, SpaceX, and the Quest for a Fantastic Future (Top seller on Amazon)

NIO vs Tesla

Firstly, we introduce the founder of NIO, Li Bin, as a comparison to Tesla’s Elon Musk. Li Bin was born in a poor cow farmer’s household in Anhui, China. His home did not have electricity until he was around 10 years old. His brilliance was noticed early in life, where he emerged the top scholar in the Anhui province in the Gaokao exams and entered the best university in China, Peking University. In Peking University, he majored in sociology, and minored in law and computer science.

Before NIO, Li Bin has founded or cofounded multiple successful companies, including:

  • Bitauto (易车), a leading provider of internet content & marketing services, and transaction services for China’s automotive industry.
  • MoBike, a bike sharing platform in China.

Under Li Bin, NIO is the only other EV company to follow Elon Musk’s tried and tested Master Plan:

Tesla’s “master plan”, as iterated by Musk in 2006 was: Build sports car. Use that money to build an affordable car. Use that money to build an even more affordable car. While doing above, also provide zero-emission electric power generation options.

Source: Wikipedia


The first step of Tesla’s “master plan” is to build a sports car. NIO has already built the EP9 car which is one of the world’s fastest supercar. It has broken multiple records, and can reach a top speed of 350 km/h.


True to the “Master Plan”, NIO has next built more affordable cars, such as the latest NIO EC6. The EC6 is a fully-electric mid-size luxury crossover SUV, just announced in late 2019 by NIO.

NIO vs Tesla China

NIO is initially aiming for a share in China’s enormous EV (Electric Vehicle) market, which is the world’s biggest market for EVs. Subsequently, it has plans to expand into Europe and the rest of the world.

NIO does not have its own factory currently (it has a joint factory with the state-owned JAC Motors in Hefei). This may change in the future. The JAC-NIO factory is impressive, and has up to 97.5% automation rate.  Note that Apple also doesn’t have its own factory, hence not having a factory can’t be said to be a fatal flaw of NIO.

NIO Future Plan and Potential

NIO’s future plan is to produce more models of cars, including two sedans (ET5 and ET7), as well as a minivan (EF9) and another SUV (ES7).

NIO focuses a lot on good service, and provides several unique services, most notably BaaS (Battery as a Service). BaaS allows NIO cars to swap their batteries, which is currently much faster than charging. In addition, most Asian countries, including top tier cities in China, simply do not have enough space for a charging station for each household. Hence, BaaS will be a great differentiating factor which gives NIO an edge over its competitors.

As for NIO’s potential, just watch this video on top 30 most industrialized countries in the world. NIO is the premier high end electric vehicle manufacturer in China, and all signs are pointing to it having a great potential in the future (if things go smoothly).

NIO Moat

A moat is a key competitive advantage that sets a company apart from its competitors. NIO’s first moat is its unique BaaS. Since a car’s model cannot easily change (due to the factories’ fixed specification), should BaaS battery swapping become the trend, NIO will be the sole company that provides it and will have at least a few years’ lead ahead of its competitors.

NIO’s second moat is its infrastructure and domestic home ground advantage. NIO’s autonomous driving system is naturally trained in China’s traffic conditions. Even in the event of slightly inferior autonomous driving technology (which is still highly debatable), the end result would still be better than a top driving system trained in another country’s very different traffic conditions, including different driver behavior and different road signs.

NIO backed by government

Many signs have shown directly or indirectly that NIO is backed by the government. Firstly, JAC Motors with whom NIO has a joint factory with, is a Chinese state-owned automobile and commercial vehicle manufacturer.

Secondly, NIO is the first car company to cooperate with State Grid EV service to build 100 charging and battery swap stations by 2021. This is good news for NIO since the State Grid EV being owned by the State/government has good potential to select excellent locations for the battery swap stations which will further strengthen’s NIO’s BaaS network.

DBS Multiplier Interest Rate Changes

DBS Multiplier Changes

DBS Multiplier has officially announced some changes, effective 1 January 2021. Do check out the official PDF document here.

We also attach the screenshot below for the reader’s convenience.

DBS Multiplier Review

Well, it is clear that the DBS Multiplier changes are not good! Most of the interest rates are heavily affected, especially for the average Singaporean saver. This is not unique to DBS though, most banks in Singapore have slashed their interest rates, including Citibank, CIMB, and others.

For savers who have less than 3 categories transactions (Credit Card Spend, Home Loan Instalments, Insurance or Investments), most likely his/her interest rate will drop to below 1% p.a. This is a halving of the previous interest rate.

DBS Multiplier Minimum Balance

Note that DBS Multiplier has a relatively high minimum balance of S$3,000, and there is a service charge of S$5 if average daily balance falls below S$3,000.

DBS Multiplier Alternative

If you are looking for an alternative to DBS Multiplier, do check out our previous blog post Gigantiq Promo Code: MATH88. Basically, Gigantiq is a capital guaranteed savings plan that offers  interest rate of 1.8% p.a. (previously 2% p.a.). This is much higher than all banks currently, including fixed deposits. Gigantiq is backed by Etiqa, which is the insurance branch of Maybank, the largest bank in Malaysia.

Spyder Typing Delay

Recently, the Spyder IDE faced serious typing delay or lag. Basically, after entering something using the keyboard, it takes almost half a second for it to appear on the screen. The issue can also be described as a typing lag in Spyder.

This seems to have been triggered by the installation of Big Sur OS.

Spyder slow on Mac

After intensive googling, we stumbled upon this Github page detailing several possible solutions.

The one that worked for us was installing pyqt and pyqtwebengine. Basically, type the following commands in the terminal:

pip install PyQt5
pip install PyQtWebEngine

The above solution should be very safe since it is just installing Python packages.

Spyder lagging

The above solution helped to solve the troubling issue of Spyder lagging. Since Spyder uses Qt for its GUI, it is critical to keep the various Qt related packages updated / at the correct version. This may be the reason why installing PyQt5 and PyQtWebEngine helps to remove the lag in Spyder.

Spyder very slow

There seems to be many reasons, other than the above, that can result in Spyder being very slow. One tip that is useful, is never update to the latest version of Spyder, Mac OS, or Anaconda immediately once it is released, unless it is absolutely necessary. Most of the bugs appear in the newest releases, and can cause multiple problems including making Spyder very slow. By updating at a later date, most of the bugs would have been solved by then and it is a much safer approach.

Previously, updating to the latest Spyder 4.1.5 also caused several problems, including lag, slowness or even Spyder simply just crashing.

My All 2020 Mathematics A to Z: Wronskian

Great interesting post on Wronskian, which is widely used in the study of differential equations. Wronski is an eccentric genius, who was once forced to leave his post at the Marseille Observatory after his theories were dismissed as “grandiose rubbish”, according to Wikipedia.


Today’s is another topic suggested by Mr Wu, author of the Singapore Maths Tuition blog. The Wronskian is named for Jzef Maria Hone-Wroński, a Polish mathematician, born in 1778. He served in General Tadeusz Kosciuszko’s army in the 1794 Kosciuszko Uprising. After being captured and forced to serve in the Russian army, he moved to France. He kicked around Western Europe and its mathematical and scientific circles. I’d like to say this was all creative and insightful, but, well. Wikipedia describes him trying to build a perpetual motion machine. Trying to square the circle (also impossible). Building a machine to predict the future. The St Andrews mathematical biography notes his writing a summary of “the general solution of the fifth degree [polynomial] equation”. This doesn’t exist.

Both sources, though, admit that for all that he got wrong, there were flashes of insight and brilliance in his work. The St Andrews…

View original post 1,534 more words

Tiger Brokers Referral Code: OAEMZD

Tiger Brokers Referral Code: OAEMZD

For the referral code, enter “OAEMZD” when prompted, or you may just click on the following Tiger Brokers Referral Link directly!

There are rewards (such as stock vouchers, commission-free trades, free market data) for using the referral code/link to sign up!

Tiger Brokers is an online broker listed on NASDAQ. It is backed by investors like Xiaomi and Jim Rogers. The main reason why people use Tiger Brokers, is to trade US Stocks such as Tesla and NIO online. You can also trade Hong Kong, Singapore, China, or Australian stocks using Tiger Brokers.

Tiger Brokers Commission Fees

One of the key benefits of Tiger Brokers is its low commission fees. It is highly competitive among all the brokers. For example the charges for US Stocks (as of the time of writing) is just 0.01 USD/share, for a minimum of 1.99 USD per trade. This is very low considering that banks usually charge upwards of USD$20 per trade. For example DBS Vickers charges a minimum of US$25.

Due to the low fees of Tiger Brokers, it is useful for people who are either trading frequently or trading in small amounts.

Tiger Brokers Singapore Review

Tiger Brokers is extremely fast for signing up. You can signup online within minutes, using Singpass to fill in personal details automatically. Personally, I signed up on a Sunday (non-working day), and the account was set up within a few hours on the same day. That is amazing speed. The speed of depositing funds (using FAST bank transfer) is also very fast (pun unintended), almost instantaneously.

The mobile app of Tiger Brokers also has an excellent design, and is extremely user friendly. The exchange rate given by Tiger Brokers is also highly competitive.

Tiger Brokers Minimum Deposit

There is no minimum deposit for Tiger Brokers, and there is also no minimum number of shares or lots you need to purchase. One can buy as low as just one single stock.

Is Tiger Brokers Safe?

This is the most frequently searched question. Firstly, Tiger Brokers is regulated by MAS (Monetary Authority of Singapore). Their MAS license can be found here.

Secondly, Tiger Brokers has the backing of Xiaomi, which is a major Chinese tech company making smartphones and other electronic devices.

Thirdly, Tiger Brokers is backed by Jim Rogers who is a very famous investor.

Fourthly, Tiger Brokers itself is listed on the NASDAQ stock exchange, under the code “TIGR”.

Lastly, for added security, there is 2-Factor Authentication option for Tiger Brokers. You can set it up during registration, by downloading another app called Tiger Token.

With any investing, there is always some risk, so do your research carefully before investing using any broker!

Tiger Broker Invitation Code / Promo Code

Once again, if you decide to sign up for Tiger Broker, do use the invitation code “OAEMZD” when prompted, or you may just click on the following Tiger Brokers Referral Link directly!

Disclaimer: The opinions on Tiger Brokers expressed in this blog post is for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product. It is only intended to provide information on Tiger Brokers Referral Code. In particular, this blog post is not a substitute for obtaining advice from a qualified investment advisor.

The below YouTube video is a beginner friendly introduction and review of Tiger Brokers.

What happens if you fail PSLE?

The PSLE (Primary School Leaving Examination) is a momentous event in the Singapore education system, where all Primary 6 (12 year old students) sit for the national exam that will determine their future secondary school (or even beyond, in the case of Integrated Programme).

PSLE is not everything

Despite the overall importance of PSLE, it has to be noted that PSLE is not everything. There are countless stories of late developers who later pursued successful careers, despite a bad PSLE Score.

Read about the miracle story of a student who scored 181 for PSLE (technically still a pass grade, but considered not so good), but later entered NUS Medicine, the most prestigious course in Singapore.

PSLE fail go where?

This seems to be a frequently asked question. There are still many options, one of them is NorthLight School, which was featured in the Straits Times. NorthLight School is a specialized school that takes in students who fail their PSLE. Each year, the intake of NorthLight School is around 200 students.

In 2009, Assumption Pathway School was also set up to take in students who fail PSLE, ensuring that students have a place to go to further their education.

After graduating from NorthLight School or Assumption Pathway School, around 45% of students go on to enter Institutes of Technical Education (ITE). After that, they can move on to Polytechnics.

What happens if you fail one subject in PSLE?

Unlike O levels, where there are quite severe consequences for failing critical subjects like ‘O’ level English or Maths, there is no penalty specifically for failing a certain PSLE subject.

According to experienced parents at Kiasuparents, the only problem of failing one subject in PSLE is that it will drag down the overall PSLE T-score. It has been estimated that failing one subject in PSLE would most likely cause the overall score to be below 200 (which can still enter many neighborhood secondary schools).

PSLE takes into account all 4 subjects. So even if you failed English or Chinese or any subject, it doesn’t matter. what matters is your combined score that determine whether you go express or normal academic.

Source: Kiasuparents

Hence, if the student does well for other subjects, it is not a big problem for failing one subject in PSLE, be it failing PSLE English, failing PSLE Chinese, or failing PSLE Math.

Bad PSLE results

It is actually quite rare to fail PSLE outright (around 98.4% of students pass and make it to secondary school). However, it is quite common to get a ‘bad’ PSLE results or a lower score than one expects.

When one gets a bad PSLE result, or fail PSLE (one or all subjects), the important thing for the student is not to get overly disheartened. It could well be the case that the student is a late developer, or that certain negative events out of the student’s control have impacted the student’s family, which resulted in the bad PSLE results.

Do check out this other inspirational story, of a student who scored 105 for PSLE, but later graduated from NUS with a Master of Architecture degree. The important thing is not PSLE grades (PSLE is not everything), but rather the character traits of a student such as being determined and hardworking.

Related posts:

PSLE 2020 Results and PSLE Cut Off Point 2020

The 2020 Primary School Leaving Examination (PSLE) results will be announced on 25 November 2020 (Wed). Given the ongoing COVID-19 situation, students will receive their results from their respective primary schools – in their individual classrooms instead of gathered as a cohort in the school hall – from 11.00am on 25 November 2020.

Source: MOE Website

PSLE 2020, 2021 Cut off point

The exact cut off point is not out yet, but based on previous years’ cut off points, we give some estimates of the PSLE 2020 Cut off point (for entry to secondary school in 2021).

IP schools cut-off point

The most popular schools are definitely the IP (Integrated Programme) schools, since they are the most prestigious, and also students get to skip the O Levels which is a major source of stress for the students and their parents.

IB schools are also very popular, since it is well known that the IB syllabus is easier to score than the ‘A’ levels.

‘S’ Tier IP Schools PSLE Cut off point

The ‘S’ Tier IP and IB schools are:

  • Hwa Chong Institution
  • Raffles Girls’ School (Secondary)
  • Methodist Girls’ School (Secondary)
  • Nanyang Girls’ High School
  • Raffles Institution

These are the top elite schools in Singapore. MGS (Methodist Girls’ School) COP has risen to this level in recent years, while HCI, RGS, RI, NYGH are the traditional top 4 secondary schools. In order to have a secure chance of entering these schools, the estimated COP or cut-off point is around 260, not considering affiliation. In certain years, a high 250s score such as 258 or 259 may also suffice, but it is quite risky.

‘A’ Tier Secondary School PSLE Cut-off point 2020

The ‘A’ Tier top secondary schools are:

  • Dunman High School (IP)
  • National Junior College (IP)
  • CHIJ St. Nicholas Girls’ School (IP)
  • Anglo-Chinese School (Independent) (IB)
  • Catholic High School (IP)
  • Cedar Girls’ Secondary School (IP)

These schools are very close to the ‘S’ Tier elite schools mentioned above. For these schools, traditionally, a score of around 255 and above is the usual COP or cut off point.

Note that some of the above good schools also have an ‘O’ level track whose COP (Cut-off point) is typically around 5 points lower, or around 250.

PSLE Express Cut off point 2020

Historically, the PSLE cut off point for express stream is around 188. For example, the following schools (express stream) have their PSLE cut-off point set at 188, for the 2020 secondary school intake:

  • Assumption English School
  • Bartley Secondary School
  • Bedok Green Secondary School
  • Bendemeer Secondary School
  • Boon Lay Secondary School
  • … and many more, all the way to Yuhua Secondary School and Yuying Secondary School.

Read our previous blog post on the frequently asked question of: Express vs Normal Academic for borderline PSLE score.

Money Saving “Lobang” (Tips):

My All 2020 Mathematics A to Z: Velocity

V for Velocity! Excellent exposition on velocity, and especially on phase space by Nebus Research blog.


I’m happy to be back with long-form pieces. This week’s is another topic suggested by Mr Wu, of the Singapore Maths Tuition blog.

Color cartoon illustration of a coati in a beret and neckerchief, holding up a director's megaphone and looking over the Hollywood hills. The megaphone has the symbols + x (division obelus) and = on it. The Hollywood sign is, instead, the letters MATHEMATICS. In the background are spotlights, with several of them crossing so as to make the letters A and Z; one leg of the spotlights has 'TO' in it, so the art reads out, subtly, 'Mathematics A to Z'. Art by Thomas K Dye, creator of the web comics Projection Edge, Newshounds, Infinity Refugees, and Something Happens. He’s on Twitter as @projectionedge. You can get to read Projection Edge six months early by subscribing to his Patreon.


This is easy. The velocity is the first derivative of the position. First derivative with respect to time, if you must know. That hardly needed an extra week to write.

Yes, there’s more. There is always more. Velocity is important by itself. It’s also important for guiding us into new ideas. There are many. One idea is that it’s often the first good example of vectors. Many things can be vectors, as mathematicians see them. But the ones we think of most…

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What Are the Best Online Math Tutoring Websites?

What Are the Best Online Math Tutoring Websites?

Many people find math to be a difficult subject to excel in as compared to any other subject. However, it is not the case at all. Math only needs one to have a positive attitude, an excellent tutor, and lots of practice. It is quite an interesting subject to learn and proves to be handy on many different occasions.

Looking for a tutor online to help you figure out your math problems can be quite a daunting task. It is relatively easy to get the wrong service provider when you need to find help for your child. You need to check the best online math tutoring websites, which will help you find the best services online for your child or student. It is quite common to find a service provider who will not give you the value you desire online. It would help if you took into account reviews, which will guide you to make the best decision.

The Best Online Math Tutoring Websites

Here is a list of the best available math tutoring websites online:

1.     Princeton Review

The Princeton Review is recognized as one of the best platforms in the tutoring arena. The platform does not only provide tutoring services but also helps with the completion of the assignment. The service providers offer students different options during the signing up process. There is a one-time option available that grants students tutoring over a period of time and a monthly subscription.

For students who require regular tutoring, the monthly subscription costs $40 per hour, $80 per two hours, and $115 per three hours.  If you would like a more flexible schedule, you can opt to pay $350 for 10 hours or $950 for 30 hours.

2.     Chegg

This is an excellent site for math tutoring services as the services are available 24 hours. The student is automatically matched with the suitable instructor after keying in the problems they have.  The user can opt for a live class, text, or audio.

For an off-chat lesson, the class costs $11 and $20 for unlimited chat lessons for a month. For those who would like a video call subscription, they will pay $30 for a month. You should also check out Math videos on YouTube to help you learn more and faster.

3.     Learn To Be

This is an NGO based site that aims to provide equal opportunities to all students. Students fill in an application and detail the issues they need assistance with. Within seven days, the site will reach out to the student with a suitable tutor to arrange an online meeting.

This is a great service provider as it does not cost the student anything. A portion of the money donated to the site is responsible for helping students access algebra tutoring services or paying the tutors.

4.     Revolution Prep

It is quite famous for having tutors available for most of the day. The site uses highly interactive sessions to teach students math. They aim to make the subject fun to develop a positive attitude towards the subject. The sessions incorporate flashcards, posters, and other tools.

The tutoring services cost about $1398 for every 12 hours, and their group sessions cost $499 for 12 hours. Each group has four to eight people.

5.     Prodigy

This is an exceptional site if you prefer a one-on-one session with your tutor. The site offers different levels of maths by tutors who are suitable for your needs. The company’s goal is to enable each student to achieve their highest potential.

The site charges £30 per half an hour, and it’s discounted to $24 if you pay for three classes or more. You can also opt to pay for five classes at $120. During each first session, the tutor, parent/teacher, and the student discuss the service’s goals.


Math is quite a phenomenal subject to study that can lead to a very prospectus life. There are plenty of options available to choose from when it comes to studying the issue. There are online group classes, individual tutoring, and even in-person course. The available platforms, schedule, optimal studying style, and budget will influence which platform you will use. The list above will guide you in selecting the best service providers so you can be the math guru you were meant to be.