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WHY ARE BITCOINS SO POPULAR? AND SHOULD YOU BE USING THEM?

Whether you’re thinking “Bitwhat?” or “I’ve been bitcoining for years...” digital currencies are a hot topic with consumers, investors and the media. But what is a bitcoin? And how does it work? Bitcoin is a type of cryptocurrency – a digital currency (meaning there’s nothing to hold in your hand) that circulates without a central repository such as the Federal Reserve. Of the 690 cryptocurrencies that exist—with a total market cap at about $8.5 billion—bitcoin is by far the largest and best known in the marketplace.

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Why Invest in Real Estate? An Overview

Real estate investing. You hear about it all the time. Your neighbor or coworker celebrates their income stream from it. You’ve thought about investing in real estate yourself, but are perhaps uncertain about the risk, locations, or how to choose the right investment provider. With this blog article, Brelion aims to give you an overview of real estate investing as an alternative to the stock market, and as part of a smart and innovative investing strategy. So read on to learn the ins and outs of real estate investing before finally deciding to invest.

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How Digital Currency Is Reshaping Our Lives

Cryptocurrencies are digital currencies (meaning there’s nothing to hold in your hand) that circulate without a central repository such as the Federal Reserve. Of the 690 cryptocurrencies that exist—with total market cap about $8.5 billion—Bitcoin is by far the largest and best-known. Users typically purchase bitcoins with physical currency, then use their bitcoins to purchase products and services, and to invest. Bitcoin transactions are recorded in the blockchain (the decentralized public ledger of all Bitcoin transactions) which is safeguarded against tampering.

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The Changing Definition of ‘Accredited Investor’: Analyzing the Future of Lending

2015 was a watershed year for equity financing in general and real estate financing in particular. $2.57 billion of real estate was financed through crowdfunding while two major SEC rulings—Title IV (or Reg A+) and Title III of the JOBS Act—were finalized, directly addressing the structure and accessibility of security offerings. People who previously could not invest in equity offerings are on their way to doing so. Now that it’s 2016, investment professionals get to examine the early results of those two rulings and adjust accordingly, while awaiting further SEC actions.

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Direct Real Estate Investing or Crowdfunding: Which is the Better Investment?

As of this past December, buying is still more affordable than renting in 58 percent of U.S. housing markets, while rent prices outpace weekly wage growth in 57 percent of markets. (Realty Trac) These statistics, while painting an undesirable picture for renters in certain parts of the country, illustrate a golden opportunity for real estate investors expecting home values to appreciate. With the internet creating more investment outlets than ever before, investors such as yourself face several questions, including:

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Definition of Accredited investor

As used in Regulation D (§230.500 et seq. of this chapter), and can be found on www.ecfr.gov/cgi-bin/retrieveECFR?gp=&SID=8edfd12967d69c024485029d968ee737&r=SECTION&n=17y3.0.1.1.12.0.46.176 the following terms shall have the meaning indicated: (a) Accredited investor. Accredited investor shall mean any person who comes within any of the following categories, or who the issuer reasonably believes comes within any of the following categories, at the time of the sale of the securities to that person:

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Alternative Finance & Traditional Finance: The Lending World of 2016

Alternative finance and traditional finance: the terminology itself evokes a perennial battle between the “revolutionary new” and the “tried and true.” But the financial world of 2016 is less a battlefield than a thriving marketplace with a growing supply of options. The democratizing power of the internet and a public wary of the banking industry has created a range of financing alternatives to bank financing. Recent legislation has only expanded the profile of these disruptive methods.

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Virtual Reality & Drones: The Changing Face of Real Estate Technology

Technology once only imaginable in classic science-fiction is forming the fabric of modern life. From robots with the capacity for empathy to self-driving cars, the visions of yesterday are becoming the happenings of today. The effects of these changes will eventually be unavoidable and unmissable in our personal and professional lives. As real estate strategists, investors, and tech enthusiasts, we’re particularly enthralled by technology that—like real estate crowdfunding—disrupts the status quo with a simpler, more democratic alternative.

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Real Estate Crowdfunding in a Rising Interest Rates Environment

In December 2015, the Fed unanimously decided to raise interest rates for the first time since 2006. The decision had been anticipated with cautious optimism in some circles and trepidation in others. The U.S. economy continues to improve at a modest pace—271,000 jobs were added in October; the unemployment rate hovers around 5%, the lowest in more than seven years; GDP grew 2% in Q3 2015. Many commentators believe the economy has strengthened enough to warrant a raise in interest rates.

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Title III: What It Means for You

With Title III of the JOBS Act set to take effect on May 16, 2016, real estate companies will gain more financing opportunities and investors more investment options than ever before. Title III extends the democratized and innovative power of equity crowdfunding to everyone who invests under its umbrella. Prior to Title III, the exact number of individual investors who qualified as “accredited” in the U.S. varied. Most estimates indicated there were over ten million accredited households.

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