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By Jemima Kelly<br><br>LONDON, Aug 10 (Reuters) - Bitcoin and other "cryptocurrencies" are big money, virtually as big as Goldman Sachs and Royal Bank of Scotland combined.<br><br>The price of a single bitcoin hit an all-time high of above $3,500 this week, dragging up the value of hundreds of newer, smaller digital rivals in its wake. Now some investors fear a giant crypto-bubble may be about to burst.<br><br>It has been a year of unprecedented growth for the largely unregulated market, with dozens of new currencies appearing every month in "Initial Coin Offerings" or ICOs. They have achieved value almost instantly, drawing in those who are eager to get in and make a quick buck.<br><br>At the start of 2017, the total value - or market cap - of all cryptocurrencies in existence was about $17.5 billion, with bitcoin making up almost 90 percent of that, according to industry data firm CoinMarketCap.<br><br>It is now around $120 billion - around the same value as Goldman and RBS together - and bitcoin makes up only 46 percent.<br><br>Bitcoin Cash, a clone of bitcoin that was split off from the original last week by a rival group of developers, was valued at more than $12 billion less than 24 hours after it had started trading.<br><br>"It's just created new value out of nowhere," said Rob Moffat, a partner at Balderton Capital, a London-based venture capital firm who focuses on fintech. "There's no fundamentals behind any of this - it's all based on public perception, so you can start to see some really strange phenomena."<br><br>For an interactive Reuters graphic of the top cryptocurrencies, click on: website<br><br>Cryptocurrencies - so-called because cryptography is used to keep transactions secure - allow anonymous peer-to-peer transactions between individual users, without the need for banks or central banks. They use blockchain technology, a shared record-keeping and processing system that means digital money cannot be copied and spent more than once.<br><br>Billionaire U.S. investor Howard Marks likens the market to the dotcom bubble of the turn of the century - whose demise he predicted. He said in a recent investor letter that digital currencies were an "unfounded fad ... based on a willingness to ascribe value to something that has little or none beyond what people will pay for it".<br><br>But advocates of cryptocurrencies say 2017 is just the beginning of bull run. They argue the finite nature of these currency units - there will never be more than 21 million bitcoin, for example - as well as the technological innovation that underpins them will ensure their enduring value.<br><br>"The idea of this thing being a bubble is silly. We're in the bottom of the first innings," said Miguel Vias of Ripple, the third-biggest cryptocurrency, who was previously global head of precious metals and metal options at CME Group.<br><br>DASH TO ETHER<br><br>Whichever way cryptocurrencies move, they are likely to move together because their values are highly correlated, feeding off each other and magnifying the market effect.<br><br>That's partly down to investor sentiment, but also because the start-ups issuing new coins in ICOs generally collect money in a more liquid cryptocurrency, such as bitcoin or, more commonly, Ethereum's ether - the second-biggest cryptocurrency in total value.<br><br>That has driven demand for ether, which has climbed over 3,000 percent so far this year and now has a market cap of around $28 billion.<br><br>Bitcoin, which was launched in 2009, was the first successful cryptocurrency and is still easily the biggest, with a market cap of over $54 billion.<br><br>Its price has shot up around 225 percent so this year, and performed better than any conventional, central-bank issued currency in every year since 2010 bar 2014.<br><br>The blockchain-based currencies that have been built since bitcoin - 842, at last count - vary hugely in terms of their credibility.<br><br>Sceptics say bitcoin and its rivals are not particularly useful as currencies, as they are still volatile and not accepted by most merchants. They are mostly just used for speculative trading purposes.<br><br>There are some signs of acceptance of the biggest players by the establishment, however; Ethereum has been piloted by the United Nations as a way to distribute funds to Syrian refugees.  For those who have virtually any questions with regards to exactly where as well as tips on how to use bubble shooter pet, you can call us from our own internet site. Ripple has been successfully used as a payment method between settlement systems in a Bank of England trial.<br><br>Some other, smaller cryptocurrencies such as Dash, Monero and Z-cash are seen as having real value by some users because they offer an even higher level of anonymity than the likes of bitcoin. Whistle-blowing website Wikileaks this week said it would accept Z-cash for online donations.<br><br>'DARWINISM IN REAL-TIME'<br><br>It is mainly the new "token" cryptocurrencies that are issued in ICOs with no regulatory oversight, which have exploded since the start of the year, that are causing the most anxiety.<br><br>One, the "Useless Ethereum Token", which appears to have been set up as a way of showing how worthless many of the ICOs really are, is nonetheless changing hands for 3 cents a unit. "No value, no security, and no product. Just me, spending your money," its website states.<br><br>"It's just so easy to raise money on an ICO right now, it just feels like there's a gold rush going on there," said Moffat. "Some of the new currencies - beyond bitcoin and Ethereum - could crash to zero."<br><br>By mid-July, about $1.1 billion had been raised in ICOs this year, roughly 10 times more than that in the whole of 2016, according to cryptocurrency research firm Smith + Crown. (Graphic: website<br><br>The rapid ascent of ICOs prompted the U.S. Securities and Exchange Commission (SEC) to warn last month that some ICOs should be regulated like other securities.<br><br>This is new digital territory and how the rapidly proliferating cryptocurrency market will play out is anyone's guess.<br><br>While critics say the highly correlated nature of the currencies means the weakness of newer entrants could bring the whole house down; others argue market forces will ensure the best players prevail.<br><br>"Will some of these (currencies) go away? Of course," said Vias of Ripple. "We´re going to see Darwinism in real-time here. Only the strong will survive."<br><br>(Reporting by Jemima Kelly; Editing by Pravin Char)
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bubble shooter pet https://play.google.com/store/apps/details?id=com.pandakidgame.bubbleshooterpetraccoon; Do you really want to build an iPhone app?<br><br>This might sound like a daft question at first. But I want to make sure that you have fully explored your target audience and considered whether it would be more suitable to launch an app on the Blackberry or Android platform.<br><br>If you have your mind set on an iPhone app, then I urge you to also consider what happens when it is a success? Yes, I am assuming that your iPhone application will be a success because they are growing so rapidly. Will the agency you use be able to launch a similar app on the other platforms so as not to alienate consumers? Will you choose to combine your iPhone app with perhaps a mobile website that would allow all other smartphone users to access your content?<br><br>Search out the iPhone apps you like!<br><br>I have managed many website and iPhone application projects and one of the mistakes I regularly come across is managers that are too reliant on the designers. I suggest that as part of your initial brief you really look into all the different types of iPhone apps that are within your market. If there are no iPhone apps then simply look at what you like. Consider why one flows better than another, what elements frustrate you and what ideas could you use to build your iPhone app.<br><br>Understanding Apple Connect for your iPhone Application<br><br>Apple Connect is a website used by your iPhone application developer. It is basically a website that holds the details of your app and is used to send your iPhone app binary code to Apple for them to approve... if you are lucky (I'll get to that in a moment)<br><br>It is also the place where everything you see on iTunes is managed. So those screen shots you see for each app, you guessed it, they are uploaded through connect. You may want to go through connect with your iPhone app developer just to get used to what you can and cannot do.<br><br>Pricing your iPhone Application<br><br>Apple operates a tiered pricing structure so all you have to do is select a pricing tier from 1-10 to set your price around the world i.e if it is 59p in the UK then it will automatically be 99 cents in the US. Again, you can access this with your iPhone developer by visiting Apple Connect.<br><br>Planning your iPhone app layout<br><br>Bespoke apps will be much less expensive if you do the ground work. By this I mean work out exactly what you want and create a 'work flow' diagram. Basically start with a blank picture of an iPhone and sketch in your iPhone app splash screen and homepage. Work out what buttons will go along the bottom of your iPhone app to create the menu - you can have five buttons.<br><br>Next, using lots of blank iPhone images, create a hierarchical structure of your iPhone application. By doing this, you can literally show your designer how you want it all to work i.e. click here and it shows this screen or searches this item. Don't worry too much about whether it is technically possible as your iPhone app designer will undoubtedly suggest some options for improvement. Once the iPhone app workflow is complete then you and your designer know exactly how the app should work.<br><br>Bespoke iPhone Apps V's Online App Builders<br><br>Only about 12 months ago, if you wanted to build an iPhone app then you had to look for a bespoke answer. Today things are rapidly changing and there are a number of US based companies and one UK company offering a build your app online service.<br><br>The fundamental difference between bespoke iPhone application development and online app builders is cost and flexibility. So it all comes down to 'what do you want your iPhone app to do?' and how much do you want to pay?<br><br>With bespoke iPhone applications you really can create just about anything and there are companies or individuals very skilled in this area. So ask yourself what you are trying to achieve. Is it brand building through clever entertainment or are you trying to get content to your customers in order to a) interact with them and build your brand or b) help them through to the final purchase of your product or service?<br><br>Think back a few years to the use of flash in website design. I was lucky enough to be part of a website pitch to Disney and guess what; we went over the top with flash. Incidentally we won the contract, however soon there were full flash websites everywhere. Today it is very much a different story, for most websites the number one objective is to get content across quickly and efficiently and in a manner that customers are used to, so for example, having the menu on the top or the left hand side of your webpage. Flash is now used predominantly in other areas to add to the overall user experience.<br><br>So for what might be classed as 'utility iPhone apps' stick to the rules and always think about the content you are trying to deliver.<br><br>Online iPhone App Builder<br><br>The main thing that you need to consider when using an online app builder is will it deliver what your customer needs? Can an online iPhone app builder offer your customer everything that they require without you having to spend anywhere between £3000 and £20000 plus, building a bespoke iPhone application!<br><br>Most online app builders allow you try them for free for either a set time or until you publish your app.<br><br>iPhone App Download Restraints<br><br>Your iPhone application needs to be less than 10mb's if you want users to be able to download it from their phone via a standard connection i.e. not wi-fi.<br><br>If you are developing an iPhone game application of sorts then you are likely to go over this limit, however for an iPhone business application, then ideally try to keep it under 10mb's<br><br>iPhone Content<br><br>If you read only one piece of text in this whole document, make sure you read this next part which looks at iPhone app content and the importance it has in getting your iPhone application signed off by Apple.<br><br>When you set about building your iPhone application the first thing you need to realise is that content is vital. Let's take entertainment and games out of the equation for a moment because by their very nature they are highly likely to get signed off. So let's concentrate on building a utility or business iPhone application.<br><br>Whatever you do, don't build it just because everyone else is. Build it with your customer in mind. Do your customers already view your products online, are they interested in your news, do they visit your website to access content that is not available elsewhere, can you help your customers with a problem, do you want to find out what your customers think? These are just some of the questions you should consider when building your iPhone application.<br><br>Like any marketing or communication tool...building an iPhone application only works as an entertainment gimmick on rare occasions. For 99% of us, it has to serve a real purpose.<br><br>What we do know however is that your customers want information, news, products or promotions in the palm of their hand and with an iPhone app you have the perfect marketing tool from them to access your content and interact with your company.<br><br>The Cost to build an iPhone Application<br><br>A bespoke app can cost anywhere from £3000 to £20000 upwards. The price of bespoke iPhone application development is decreasing as more and more as iPhone application developers enter the market.<br><br>Building an iPhone app online costs anywhere from between $10 -$100 per month rental in the US an around £45 per month in the UK.<br><br>Submitting your iPhone App<br><br>When your iPhone app is submitted to Apple for approval you can expect to hear whether it has been approved or rejected after 1 or 2 weeks. If it has been rejected than Apple will give you some indication as to what needs to be improved before you can submit your app again.<br><br>You will have to work with your developer to asses and fix the problem.<br><br>I hope that you find some of the information useful and good luck.

Revision as of 13:52, 4 November 2017

bubble shooter pet https://play.google.com/store/apps/details?id=com.pandakidgame.bubbleshooterpetraccoon; Do you really want to build an iPhone app?

This might sound like a daft question at first. But I want to make sure that you have fully explored your target audience and considered whether it would be more suitable to launch an app on the Blackberry or Android platform.

If you have your mind set on an iPhone app, then I urge you to also consider what happens when it is a success? Yes, I am assuming that your iPhone application will be a success because they are growing so rapidly. Will the agency you use be able to launch a similar app on the other platforms so as not to alienate consumers? Will you choose to combine your iPhone app with perhaps a mobile website that would allow all other smartphone users to access your content?

Search out the iPhone apps you like!

I have managed many website and iPhone application projects and one of the mistakes I regularly come across is managers that are too reliant on the designers. I suggest that as part of your initial brief you really look into all the different types of iPhone apps that are within your market. If there are no iPhone apps then simply look at what you like. Consider why one flows better than another, what elements frustrate you and what ideas could you use to build your iPhone app.

Understanding Apple Connect for your iPhone Application

Apple Connect is a website used by your iPhone application developer. It is basically a website that holds the details of your app and is used to send your iPhone app binary code to Apple for them to approve... if you are lucky (I'll get to that in a moment)

It is also the place where everything you see on iTunes is managed. So those screen shots you see for each app, you guessed it, they are uploaded through connect. You may want to go through connect with your iPhone app developer just to get used to what you can and cannot do.

Pricing your iPhone Application

Apple operates a tiered pricing structure so all you have to do is select a pricing tier from 1-10 to set your price around the world i.e if it is 59p in the UK then it will automatically be 99 cents in the US. Again, you can access this with your iPhone developer by visiting Apple Connect.

Planning your iPhone app layout

Bespoke apps will be much less expensive if you do the ground work. By this I mean work out exactly what you want and create a 'work flow' diagram. Basically start with a blank picture of an iPhone and sketch in your iPhone app splash screen and homepage. Work out what buttons will go along the bottom of your iPhone app to create the menu - you can have five buttons.

Next, using lots of blank iPhone images, create a hierarchical structure of your iPhone application. By doing this, you can literally show your designer how you want it all to work i.e. click here and it shows this screen or searches this item. Don't worry too much about whether it is technically possible as your iPhone app designer will undoubtedly suggest some options for improvement. Once the iPhone app workflow is complete then you and your designer know exactly how the app should work.

Bespoke iPhone Apps V's Online App Builders

Only about 12 months ago, if you wanted to build an iPhone app then you had to look for a bespoke answer. Today things are rapidly changing and there are a number of US based companies and one UK company offering a build your app online service.

The fundamental difference between bespoke iPhone application development and online app builders is cost and flexibility. So it all comes down to 'what do you want your iPhone app to do?' and how much do you want to pay?

With bespoke iPhone applications you really can create just about anything and there are companies or individuals very skilled in this area. So ask yourself what you are trying to achieve. Is it brand building through clever entertainment or are you trying to get content to your customers in order to a) interact with them and build your brand or b) help them through to the final purchase of your product or service?

Think back a few years to the use of flash in website design. I was lucky enough to be part of a website pitch to Disney and guess what; we went over the top with flash. Incidentally we won the contract, however soon there were full flash websites everywhere. Today it is very much a different story, for most websites the number one objective is to get content across quickly and efficiently and in a manner that customers are used to, so for example, having the menu on the top or the left hand side of your webpage. Flash is now used predominantly in other areas to add to the overall user experience.

So for what might be classed as 'utility iPhone apps' stick to the rules and always think about the content you are trying to deliver.

Online iPhone App Builder

The main thing that you need to consider when using an online app builder is will it deliver what your customer needs? Can an online iPhone app builder offer your customer everything that they require without you having to spend anywhere between £3000 and £20000 plus, building a bespoke iPhone application!

Most online app builders allow you try them for free for either a set time or until you publish your app.

iPhone App Download Restraints

Your iPhone application needs to be less than 10mb's if you want users to be able to download it from their phone via a standard connection i.e. not wi-fi.

If you are developing an iPhone game application of sorts then you are likely to go over this limit, however for an iPhone business application, then ideally try to keep it under 10mb's

iPhone Content

If you read only one piece of text in this whole document, make sure you read this next part which looks at iPhone app content and the importance it has in getting your iPhone application signed off by Apple.

When you set about building your iPhone application the first thing you need to realise is that content is vital. Let's take entertainment and games out of the equation for a moment because by their very nature they are highly likely to get signed off. So let's concentrate on building a utility or business iPhone application.

Whatever you do, don't build it just because everyone else is. Build it with your customer in mind. Do your customers already view your products online, are they interested in your news, do they visit your website to access content that is not available elsewhere, can you help your customers with a problem, do you want to find out what your customers think? These are just some of the questions you should consider when building your iPhone application.

Like any marketing or communication tool...building an iPhone application only works as an entertainment gimmick on rare occasions. For 99% of us, it has to serve a real purpose.

What we do know however is that your customers want information, news, products or promotions in the palm of their hand and with an iPhone app you have the perfect marketing tool from them to access your content and interact with your company.

The Cost to build an iPhone Application

A bespoke app can cost anywhere from £3000 to £20000 upwards. The price of bespoke iPhone application development is decreasing as more and more as iPhone application developers enter the market.

Building an iPhone app online costs anywhere from between $10 -$100 per month rental in the US an around £45 per month in the UK.

Submitting your iPhone App

When your iPhone app is submitted to Apple for approval you can expect to hear whether it has been approved or rejected after 1 or 2 weeks. If it has been rejected than Apple will give you some indication as to what needs to be improved before you can submit your app again.

You will have to work with your developer to asses and fix the problem.

I hope that you find some of the information useful and good luck.

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