VOTING POWER100.00%
DOWNVOTE POWER100.00%
RESOURCE CREDITS100.00%
REPUTATION PROGRESS0.00%
Net Worth
0.009USD
STEEM
0.007STEEM
SBD
0.002SBD
Effective Power
5.008SP
├── Own SP
0.125SP
└── Incoming DelegationsDeleg
+4.883SP
Detailed Balance
| STEEM | ||
| balance | 0.000STEEM | STEEM |
| market_balance | 0.000STEEM | STEEM |
| savings_balance | 0.000STEEM | STEEM |
| reward_steem_balance | 0.007STEEM | STEEM |
| STEEM POWER | ||
| Own SP | 0.125SP | SP |
| Delegated Out | 0.000SP | SP |
| Delegation In | 4.883SP | SP |
| Effective Power | 5.008SP | SP |
| Reward SP (pending) | 0.009SP | SP |
| SBD | ||
| sbd_balance | 0.000SBD | SBD |
| sbd_conversions | 0.000SBD | SBD |
| sbd_market_balance | 0.000SBD | SBD |
| savings_sbd_balance | 0.000SBD | SBD |
| reward_sbd_balance | 0.002SBD | SBD |
{
"balance": "0.000 STEEM",
"savings_balance": "0.000 STEEM",
"reward_steem_balance": "0.007 STEEM",
"vesting_shares": "203.075335 VESTS",
"delegated_vesting_shares": "0.000000 VESTS",
"received_vesting_shares": "7940.584471 VESTS",
"sbd_balance": "0.000 SBD",
"savings_sbd_balance": "0.000 SBD",
"reward_sbd_balance": "0.002 SBD",
"conversions": []
}Account Info
| name | houmayo |
| id | 1058859 |
| rank | 1,368,325 |
| reputation | 408746586 |
| created | 2018-06-24T06:41:21 |
| recovery_account | steem |
| proxy | None |
| post_count | 22 |
| comment_count | 0 |
| lifetime_vote_count | 0 |
| witnesses_voted_for | 0 |
| last_post | 2018-07-09T14:43:42 |
| last_root_post | 2018-07-09T14:43:42 |
| last_vote_time | 2018-07-09T14:47:36 |
| proxied_vsf_votes | 0, 0, 0, 0 |
| can_vote | 1 |
| voting_power | 0 |
| delayed_votes | 0 |
| balance | 0.000 STEEM |
| savings_balance | 0.000 STEEM |
| sbd_balance | 0.000 SBD |
| savings_sbd_balance | 0.000 SBD |
| vesting_shares | 203.075335 VESTS |
| delegated_vesting_shares | 0.000000 VESTS |
| received_vesting_shares | 7940.584471 VESTS |
| reward_vesting_balance | 18.270108 VESTS |
| vesting_balance | 0.000 STEEM |
| vesting_withdraw_rate | 0.000000 VESTS |
| next_vesting_withdrawal | 1969-12-31T23:59:59 |
| withdrawn | 0 |
| to_withdraw | 0 |
| withdraw_routes | 0 |
| savings_withdraw_requests | 0 |
| last_account_recovery | 1970-01-01T00:00:00 |
| reset_account | null |
| last_owner_update | 1970-01-01T00:00:00 |
| last_account_update | 2018-06-24T10:07:45 |
| mined | No |
| sbd_seconds | 0 |
| sbd_last_interest_payment | 1970-01-01T00:00:00 |
| savings_sbd_last_interest_payment | 1970-01-01T00:00:00 |
{
"id": 1058859,
"name": "houmayo",
"owner": {
"weight_threshold": 1,
"account_auths": [],
"key_auths": [
[
"STM5fdJ6btSBXCD6YdG6pp2yaJ5iQK6Qciij6S587R3XMZ7G2A1W5",
1
]
]
},
"active": {
"weight_threshold": 1,
"account_auths": [],
"key_auths": [
[
"STM6p8mts8CPn89qjgAz4BcqVTvmaSkHfdiEbKz4vd5ixUSbDw3An",
1
]
]
},
"posting": {
"weight_threshold": 1,
"account_auths": [],
"key_auths": [
[
"STM6Ws5zo9xyb8Y2DUj4jRQR72EUffrchgBG3qEFkJaoi69pJ3Dec",
1
]
]
},
"memo_key": "STM89YUWsH1rRhJvKpCYtBY5bJtXVNsgVtAQXZnJJG31yaNq6JEzx",
"json_metadata": "{\"profile\":{\"profile_image\":\"https://cdn.steemitimages.com/DQmbt5uLRCZQB83qm3crssRqKz6eeWVEGnSCrugVNmcvTUT/Cart-Hero.png\"}}",
"posting_json_metadata": "{\"profile\":{\"profile_image\":\"https://cdn.steemitimages.com/DQmbt5uLRCZQB83qm3crssRqKz6eeWVEGnSCrugVNmcvTUT/Cart-Hero.png\"}}",
"proxy": "",
"last_owner_update": "1970-01-01T00:00:00",
"last_account_update": "2018-06-24T10:07:45",
"created": "2018-06-24T06:41:21",
"mined": false,
"recovery_account": "steem",
"last_account_recovery": "1970-01-01T00:00:00",
"reset_account": "null",
"comment_count": 0,
"lifetime_vote_count": 0,
"post_count": 22,
"can_vote": true,
"voting_manabar": {
"current_mana": "8143659806",
"last_update_time": 1779066798
},
"downvote_manabar": {
"current_mana": 2035914951,
"last_update_time": 1779066798
},
"voting_power": 0,
"balance": "0.000 STEEM",
"savings_balance": "0.000 STEEM",
"sbd_balance": "0.000 SBD",
"sbd_seconds": "0",
"sbd_seconds_last_update": "1970-01-01T00:00:00",
"sbd_last_interest_payment": "1970-01-01T00:00:00",
"savings_sbd_balance": "0.000 SBD",
"savings_sbd_seconds": "0",
"savings_sbd_seconds_last_update": "1970-01-01T00:00:00",
"savings_sbd_last_interest_payment": "1970-01-01T00:00:00",
"savings_withdraw_requests": 0,
"reward_sbd_balance": "0.002 SBD",
"reward_steem_balance": "0.007 STEEM",
"reward_vesting_balance": "18.270108 VESTS",
"reward_vesting_steem": "0.009 STEEM",
"vesting_shares": "203.075335 VESTS",
"delegated_vesting_shares": "0.000000 VESTS",
"received_vesting_shares": "7940.584471 VESTS",
"vesting_withdraw_rate": "0.000000 VESTS",
"next_vesting_withdrawal": "1969-12-31T23:59:59",
"withdrawn": 0,
"to_withdraw": 0,
"withdraw_routes": 0,
"curation_rewards": 0,
"posting_rewards": 18,
"proxied_vsf_votes": [
0,
0,
0,
0
],
"witnesses_voted_for": 0,
"last_post": "2018-07-09T14:43:42",
"last_root_post": "2018-07-09T14:43:42",
"last_vote_time": "2018-07-09T14:47:36",
"post_bandwidth": 0,
"pending_claimed_accounts": 0,
"vesting_balance": "0.000 STEEM",
"reputation": 408746586,
"transfer_history": [],
"market_history": [],
"post_history": [],
"vote_history": [],
"other_history": [],
"witness_votes": [],
"tags_usage": [],
"guest_bloggers": [],
"rank": 1368325
}Withdraw Routes
| Incoming | Outgoing |
|---|---|
Empty | Empty |
{
"incoming": [],
"outgoing": []
}From Date
To Date
2026/05/18 01:13:18
2026/05/18 01:13:18
| delegator | steem |
| delegatee | houmayo |
| vesting shares | 7940.584471 VESTS |
| Transaction Info | Block #106144604/Trx 3dd6383e5de6796d6197fd4ec9a0e6509aed261a |
View Raw JSON Data
{
"trx_id": "3dd6383e5de6796d6197fd4ec9a0e6509aed261a",
"block": 106144604,
"trx_in_block": 2,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2026-05-18T01:13:18",
"op": [
"delegate_vesting_shares",
{
"delegator": "steem",
"delegatee": "houmayo",
"vesting_shares": "7940.584471 VESTS"
}
]
}2026/05/12 07:46:18
2026/05/12 07:46:18
| delegator | steem |
| delegatee | houmayo |
| vesting shares | 5228.374066 VESTS |
| Transaction Info | Block #105980419/Trx fe6690328fdd105cd912a80d02093300e8ca9ac8 |
View Raw JSON Data
{
"trx_id": "fe6690328fdd105cd912a80d02093300e8ca9ac8",
"block": 105980419,
"trx_in_block": 2,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2026-05-12T07:46:18",
"op": [
"delegate_vesting_shares",
{
"delegator": "steem",
"delegatee": "houmayo",
"vesting_shares": "5228.374066 VESTS"
}
]
}2026/04/26 00:32:36
2026/04/26 00:32:36
| delegator | steem |
| delegatee | houmayo |
| vesting shares | 7953.100227 VESTS |
| Transaction Info | Block #105512228/Trx a782bab3031bcde0bd1a3923c7435e82a9562f4f |
View Raw JSON Data
{
"trx_id": "a782bab3031bcde0bd1a3923c7435e82a9562f4f",
"block": 105512228,
"trx_in_block": 0,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2026-04-26T00:32:36",
"op": [
"delegate_vesting_shares",
{
"delegator": "steem",
"delegatee": "houmayo",
"vesting_shares": "7953.100227 VESTS"
}
]
}2026/01/23 10:24:24
2026/01/23 10:24:24
| delegator | steem |
| delegatee | houmayo |
| vesting shares | 5269.920885 VESTS |
| Transaction Info | Block #102854934/Trx 0d1d2d0989cb8e62dedf829ec5891b2323cc0db6 |
View Raw JSON Data
{
"trx_id": "0d1d2d0989cb8e62dedf829ec5891b2323cc0db6",
"block": 102854934,
"trx_in_block": 0,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2026-01-23T10:24:24",
"op": [
"delegate_vesting_shares",
{
"delegator": "steem",
"delegatee": "houmayo",
"vesting_shares": "5269.920885 VESTS"
}
]
}2024/12/17 05:41:57
2024/12/17 05:41:57
| delegator | steem |
| delegatee | houmayo |
| vesting shares | 5434.140082 VESTS |
| Transaction Info | Block #91301304/Trx 6adbe7c55e331aada91f29fec6a9451e594220ce |
View Raw JSON Data
{
"trx_id": "6adbe7c55e331aada91f29fec6a9451e594220ce",
"block": 91301304,
"trx_in_block": 3,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2024-12-17T05:41:57",
"op": [
"delegate_vesting_shares",
{
"delegator": "steem",
"delegatee": "houmayo",
"vesting_shares": "5434.140082 VESTS"
}
]
}2023/11/13 21:24:18
2023/11/13 21:24:18
| delegator | steem |
| delegatee | houmayo |
| vesting shares | 5603.273614 VESTS |
| Transaction Info | Block #79855493/Trx fe86446527d2cf22042acb0ef12c07a69d7f1570 |
View Raw JSON Data
{
"trx_id": "fe86446527d2cf22042acb0ef12c07a69d7f1570",
"block": 79855493,
"trx_in_block": 2,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2023-11-13T21:24:18",
"op": [
"delegate_vesting_shares",
{
"delegator": "steem",
"delegatee": "houmayo",
"vesting_shares": "5603.273614 VESTS"
}
]
}2023/09/21 22:58:27
2023/09/21 22:58:27
| delegator | steem |
| delegatee | houmayo |
| vesting shares | 8540.552400 VESTS |
| Transaction Info | Block #78349198/Trx 06c53e5dced0fa90ec9895d0d74ba730f2ea92e5 |
View Raw JSON Data
{
"trx_id": "06c53e5dced0fa90ec9895d0d74ba730f2ea92e5",
"block": 78349198,
"trx_in_block": 0,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2023-09-21T22:58:27",
"op": [
"delegate_vesting_shares",
{
"delegator": "steem",
"delegatee": "houmayo",
"vesting_shares": "8540.552400 VESTS"
}
]
}2022/11/03 12:36:57
2022/11/03 12:36:57
| delegator | steem |
| delegatee | houmayo |
| vesting shares | 8762.233838 VESTS |
| Transaction Info | Block #69114351/Trx 0bae922f6575d1053adff63a04290dd6a54881e5 |
View Raw JSON Data
{
"trx_id": "0bae922f6575d1053adff63a04290dd6a54881e5",
"block": 69114351,
"trx_in_block": 1,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2022-11-03T12:36:57",
"op": [
"delegate_vesting_shares",
{
"delegator": "steem",
"delegatee": "houmayo",
"vesting_shares": "8762.233838 VESTS"
}
]
}2022/01/17 11:48:21
2022/01/17 11:48:21
| delegator | steem |
| delegatee | houmayo |
| vesting shares | 8982.767069 VESTS |
| Transaction Info | Block #60810428/Trx 2babe77a3f16a9a8b00880636e5decac51b9743b |
View Raw JSON Data
{
"trx_id": "2babe77a3f16a9a8b00880636e5decac51b9743b",
"block": 60810428,
"trx_in_block": 79,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2022-01-17T11:48:21",
"op": [
"delegate_vesting_shares",
{
"delegator": "steem",
"delegatee": "houmayo",
"vesting_shares": "8982.767069 VESTS"
}
]
}2021/06/14 01:41:15
2021/06/14 01:41:15
| delegator | steem |
| delegatee | houmayo |
| vesting shares | 9166.535727 VESTS |
| Transaction Info | Block #54608767/Trx 3bcceabf53d95a35463dd89c57ba0dfe99c787d6 |
View Raw JSON Data
{
"trx_id": "3bcceabf53d95a35463dd89c57ba0dfe99c787d6",
"block": 54608767,
"trx_in_block": 8,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2021-06-14T01:41:15",
"op": [
"delegate_vesting_shares",
{
"delegator": "steem",
"delegatee": "houmayo",
"vesting_shares": "9166.535727 VESTS"
}
]
}2020/12/11 11:58:39
2020/12/11 11:58:39
| delegator | steem |
| delegatee | houmayo |
| vesting shares | 9353.957701 VESTS |
| Transaction Info | Block #49356184/Trx 995a3ed0610b0b0f087bd4d9f4f0b21ef2a682c6 |
View Raw JSON Data
{
"trx_id": "995a3ed0610b0b0f087bd4d9f4f0b21ef2a682c6",
"block": 49356184,
"trx_in_block": 2,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2020-12-11T11:58:39",
"op": [
"delegate_vesting_shares",
{
"delegator": "steem",
"delegatee": "houmayo",
"vesting_shares": "9353.957701 VESTS"
}
]
}2020/12/06 05:35:45
2020/12/06 05:35:45
| delegator | steem |
| delegatee | houmayo |
| vesting shares | 1912.543513 VESTS |
| Transaction Info | Block #49207744/Trx 225733e01f962967f65e1b98174fe841b7ccf69d |
View Raw JSON Data
{
"trx_id": "225733e01f962967f65e1b98174fe841b7ccf69d",
"block": 49207744,
"trx_in_block": 0,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2020-12-06T05:35:45",
"op": [
"delegate_vesting_shares",
{
"delegator": "steem",
"delegatee": "houmayo",
"vesting_shares": "1912.543513 VESTS"
}
]
}2020/12/05 15:36:36
2020/12/05 15:36:36
| delegator | steem |
| delegatee | houmayo |
| vesting shares | 9360.165555 VESTS |
| Transaction Info | Block #49191279/Trx 5d1697952d2fe29b4baacb0ce3f202284c52e1ad |
View Raw JSON Data
{
"trx_id": "5d1697952d2fe29b4baacb0ce3f202284c52e1ad",
"block": 49191279,
"trx_in_block": 0,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2020-12-05T15:36:36",
"op": [
"delegate_vesting_shares",
{
"delegator": "steem",
"delegatee": "houmayo",
"vesting_shares": "9360.165555 VESTS"
}
]
}2020/11/02 17:22:54
2020/11/02 17:22:54
| delegator | steem |
| delegatee | houmayo |
| vesting shares | 1920.017158 VESTS |
| Transaction Info | Block #48259853/Trx b9f7a05455e4f44d20fbc719c86da929c55034ed |
View Raw JSON Data
{
"trx_id": "b9f7a05455e4f44d20fbc719c86da929c55034ed",
"block": 48259853,
"trx_in_block": 0,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2020-11-02T17:22:54",
"op": [
"delegate_vesting_shares",
{
"delegator": "steem",
"delegatee": "houmayo",
"vesting_shares": "1920.017158 VESTS"
}
]
}2020/10/09 03:36:30
2020/10/09 03:36:30
| parent author | houmayo |
| parent permlink | za-gl-is-the-best-url-shortener-for-earn-money |
| author | davidbass |
| permlink | qhx0os |
| title | |
| body | Great post! You should write a review of ExoBucks. Their system analyzes each visitor you send, detects which URL shortener will pay the most for that visitor and then sends them to it. Plus, they have a great referral program that let's you earn from 50+ URL shorteners (in case you're an affiliate marketer). |
| json metadata | {"app":"steemit/0.2"} |
| Transaction Info | Block #47563544/Trx 949e1747bd40c1575ad4f4a3c66605b29b5eb199 |
View Raw JSON Data
{
"trx_id": "949e1747bd40c1575ad4f4a3c66605b29b5eb199",
"block": 47563544,
"trx_in_block": 0,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2020-10-09T03:36:30",
"op": [
"comment",
{
"parent_author": "houmayo",
"parent_permlink": "za-gl-is-the-best-url-shortener-for-earn-money",
"author": "davidbass",
"permlink": "qhx0os",
"title": "",
"body": "Great post! You should write a review of ExoBucks. Their system analyzes each visitor you send, detects which URL shortener will pay the most for that visitor and then sends them to it.\n\nPlus, they have a great referral program that let's you earn from 50+ URL shorteners (in case you're an affiliate marketer).",
"json_metadata": "{\"app\":\"steemit/0.2\"}"
}
]
}2020/05/09 06:33:54
2020/05/09 06:33:54
| delegator | steem |
| delegatee | houmayo |
| vesting shares | 9562.970914 VESTS |
| Transaction Info | Block #43218004/Trx f5b462db6fcb27b8a943c6e4d8f2c93377cbe096 |
View Raw JSON Data
{
"trx_id": "f5b462db6fcb27b8a943c6e4d8f2c93377cbe096",
"block": 43218004,
"trx_in_block": 18,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2020-05-09T06:33:54",
"op": [
"delegate_vesting_shares",
{
"delegator": "steem",
"delegatee": "houmayo",
"vesting_shares": "9562.970914 VESTS"
}
]
}2020/05/08 10:17:54
2020/05/08 10:17:54
| delegator | steem |
| delegatee | houmayo |
| vesting shares | 1953.311140 VESTS |
| Transaction Info | Block #43194252/Trx af5e5c424250da2d6e19afdfed41a22544794918 |
View Raw JSON Data
{
"trx_id": "af5e5c424250da2d6e19afdfed41a22544794918",
"block": 43194252,
"trx_in_block": 8,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2020-05-08T10:17:54",
"op": [
"delegate_vesting_shares",
{
"delegator": "steem",
"delegatee": "houmayo",
"vesting_shares": "1953.311140 VESTS"
}
]
}2019/09/18 05:20:15
2019/09/18 05:20:15
| delegator | steem |
| delegatee | houmayo |
| vesting shares | 9695.585344 VESTS |
| Transaction Info | Block #36520579/Trx 7d93c1959ae0540036bace6317d217a07a280841 |
View Raw JSON Data
{
"trx_id": "7d93c1959ae0540036bace6317d217a07a280841",
"block": 36520579,
"trx_in_block": 31,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2019-09-18T05:20:15",
"op": [
"delegate_vesting_shares",
{
"delegator": "steem",
"delegatee": "houmayo",
"vesting_shares": "9695.585344 VESTS"
}
]
}2019/06/24 07:31:36
2019/06/24 07:31:36
| parent author | houmayo |
| parent permlink | life-settlement-underwriting-the-flip-side-of-the-coin |
| author | steemitboard |
| permlink | steemitboard-notify-houmayo-20190624t073135000z |
| title | |
| body | Congratulations @houmayo! You received a personal award! <table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@houmayo/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table> <sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@houmayo) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=houmayo)_</sub> **Do not miss the last post from @steemitboard:** <table><tr><td><a href="https://steemit.com/steemitboard/@steemitboard/the-steem-community-has-lost-an-epic-member-farewell-woflhart"><img src="https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmQWnM36SWCPGn98nY83M1ArgweMz5fnovQEp2E4FiDdug/Wolfhart_header.png"></a></td><td><a href="https://steemit.com/steemitboard/@steemitboard/the-steem-community-has-lost-an-epic-member-farewell-woflhart">The Steem community has lost an epic member! Farewell @woflhart!</a></td></tr><tr><td><a href="https://steemit.com/steemtoolbar/@steemitboard/steemtoolbar-update-display-bug-fixed"><img src="https://steemitimages.com/64x128/http://i.cubeupload.com/7CiQEO.png"></a></td><td><a href="https://steemit.com/steemtoolbar/@steemitboard/steemtoolbar-update-display-bug-fixed">SteemitBoard - Witness Update</a></td></tr><tr><td><a href="https://steemit.com/steem/@steemitboard/do-not-miss-the-coming-rocky-mountain-steem-meetup-and-get-a-new-community-badge"><img src="https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmUphCGZFWgt6bJ1XTtunV7esnwy6bxnGqcLcHAV3NEqnQ/meetup-rocky-mountain.png"></a></td><td><a href="https://steemit.com/steem/@steemitboard/do-not-miss-the-coming-rocky-mountain-steem-meetup-and-get-a-new-community-badge">Do not miss the coming Rocky Mountain Steem Meetup and get a new community badge!</a></td></tr></table> ###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes! |
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"body": "Congratulations @houmayo! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@houmayo/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@houmayo) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=houmayo)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemitboard/@steemitboard/the-steem-community-has-lost-an-epic-member-farewell-woflhart\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmQWnM36SWCPGn98nY83M1ArgweMz5fnovQEp2E4FiDdug/Wolfhart_header.png\"></a></td><td><a href=\"https://steemit.com/steemitboard/@steemitboard/the-steem-community-has-lost-an-epic-member-farewell-woflhart\">The Steem community has lost an epic member! Farewell @woflhart!</a></td></tr><tr><td><a href=\"https://steemit.com/steemtoolbar/@steemitboard/steemtoolbar-update-display-bug-fixed\"><img src=\"https://steemitimages.com/64x128/http://i.cubeupload.com/7CiQEO.png\"></a></td><td><a href=\"https://steemit.com/steemtoolbar/@steemitboard/steemtoolbar-update-display-bug-fixed\">SteemitBoard - Witness Update</a></td></tr><tr><td><a href=\"https://steemit.com/steem/@steemitboard/do-not-miss-the-coming-rocky-mountain-steem-meetup-and-get-a-new-community-badge\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmUphCGZFWgt6bJ1XTtunV7esnwy6bxnGqcLcHAV3NEqnQ/meetup-rocky-mountain.png\"></a></td><td><a href=\"https://steemit.com/steem/@steemitboard/do-not-miss-the-coming-rocky-mountain-steem-meetup-and-get-a-new-community-badge\">Do not miss the coming Rocky Mountain Steem Meetup and get a new community badge!</a></td></tr></table>\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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}sensationupvoted (100.00%) @houmayo / life-settlement-underwriting-the-flip-side-of-the-coin2018/07/09 15:53:12
sensationupvoted (100.00%) @houmayo / life-settlement-underwriting-the-flip-side-of-the-coin
2018/07/09 15:53:12
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}houmayopublished a new post: life-settlement-underwriting-the-flip-side-of-the-coin2018/07/09 14:46:39
houmayopublished a new post: life-settlement-underwriting-the-flip-side-of-the-coin
2018/07/09 14:46:39
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2018/07/09 14:44:33
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| body | Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in: https://vinzite.com/life-settlement-underwriting-the-flip-side-of-the-coin/ |
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}houmayoupvoted (100.00%) @houmayo / life-settlement-underwriting-the-flip-side-of-the-coin2018/07/09 14:44:03
houmayoupvoted (100.00%) @houmayo / life-settlement-underwriting-the-flip-side-of-the-coin
2018/07/09 14:44:03
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}houmayopublished a new post: life-settlement-underwriting-the-flip-side-of-the-coin2018/07/09 14:43:42
houmayopublished a new post: life-settlement-underwriting-the-flip-side-of-the-coin
2018/07/09 14:43:42
| parent author | |
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| author | houmayo |
| permlink | life-settlement-underwriting-the-flip-side-of-the-coin |
| title | Life Settlement Underwriting - The Flip Side of the Coin |
| body | Life settlements are fast growing into a staple of the insurance and financial planning world. Most financial professionals have heard of life settlements, which is the sale of a life insurance policy of a senior (age 65 and over) for a lump sum which is greater than the policy's cash surrender value but less than its death benefit. Policies which are viable for a life settlement are generally those beyond the contestability period wherein the insured has a life expectancy of between 2 and 15 years. Today life settlements are dominated by institutional funders and pension funds. Despite the continued growth in the life settlements market, the number of insurance or financial professionals that have actually completed a life settlement is surprisingly low. This can be attributed mainly to a lack of in-depth knowledge of life settlements on the part of these professionals. Considering that life settlements are a relatively new option for policy owners, many financial professionals, although having heard of life settlements, have still not had the opportunity to delve into the subject on a deeper level. Many policy holders come to a juncture wherein they continue to pay life insurance premiums on an unwanted policy in hopes of a gain at maturation, or to recoup some of the investment by trading the policy for its cash surrender value. Corporate policyholders often face additional dilemmas when dealing with departing executives with key-man or split-dollar policies, or insurance purchased as part of a buy-sell agreement. With a life settlement, the policyholder realizes an amount much greater than the cash surrender value in exchange for the policy's ownership. Term life insurance policies are also applicable when converted into permanent insurance. Life settlement transactions involving key-man or buy-sell policies can provide businesses with increased cash flow to solve immediate financial problems, while transactions concerning split-dollar policies typically involve retirement planning and charitable giving issues. In short, life settlements offer policyholders of all kinds an array of options previously unavailable to them. In a recent advisor survey, nearly half of the respondents had clients who had surrendered a life insurance policy, many of whom might have qualified for a life settlement transaction and subsequent lump sum cash payment. In this article I will discuss in depth the underwriting process related to life settlements, which is of paramount importance in the process, just as it is in life insurance itself, although there is a great deal of difference in the process for each respectively. Settlement amounts are determined by a multitude of factors that arrive at a Net Present Value, which is the present value of future benefits from the death benefit minus the present value of future payments associated with sustaining the policy until maturation. These expenses include premium payments, cost of capital and administrative costs. This calculation enables the purchaser to factor in the desired profit from the investment and propose an offer to the seller of the policy. Due to the fact that the investor will be sustaining the policy premiums until maturation, the life expectancy of the insured becomes critical in assessing the value or sale price of the policy. If the assessment of an insured's life expectancy is too short, the purchaser will have paid too much and risks a financial loss. By contrast, should the assessment of an insured's life expectancy be longer than his or her actual life span, the offer to the seller would have been less than it could have been, thus resulting in an undervalued sale for the policy owner. Institutional investors in life settlements generally obtain life expectancy reports from two or more independent LE (life expectancy) providers. Many of the larger institutions investing in life settlements have proprietary underwriting personnel on staff. LE reports can vary significantly based on interpretations, medical data on the insured, and/or the actuarial tables used. DIFFERENCES IN UNDERWRITING METHODOLOGY - Companies which provide LE reports use actuarial and medical experts who apply probability theory, actuarial methodology and medical analysis in calculating the probable mortality of an insured. Many LE providers employ the services of experienced life insurance underwriters who work in tandem with the actuarial and medical experts. There are a number of companies which provide LE reports. Among those most commonly accepted by institutional investors are: AVS, Fasano, 21st Services, ISC Services and EMSI. These companies specialize in underwriting the senior segment (insureds above the age of 65) and have developed specified methods, underwriting manuals, and mortality tables. The insurance industry customarily employs Reinsurance underwriting manuals as the basis of its ratings for insurability. However, Reinsurance manuals are gauged primarily for insurance applicants up to the age of 65 with insurable impairments up to 500%. These standards reflect the traditional demographic for life insurance. Conversely, life settlement underwriting is geared toward those above the age of 65 and can have impairment ratings much higher than 500%. In order to cater to this market segment, adaptations were made to these underwriting manuals based on extensive research of current senior mortality data and scrutinized against recent medical advances and the treatment of diseases or disorders often associated with the elderly. In addition to this, companies that provide LE reports also draw from, and factor in, proprietary data accumulated from previous assessments. Generally, a traditional debit and credit methodology is used by the underwriter in determining the overall rating of an insured, resulting in either standard or substandard. Of course, this is an approximation due to the fact that few impairments cause a uniform percentage increase in mortality. Results using the standard debit and credit method produce reasonable and quantifiable results; however, for conditions such as many forms of cancer, the debit and credit methodology does not generate reliable results. This is mainly due to the fact that the impaired mortality curve is significantly different than the standard curve used in the absence of these impairments. Companies that provide LE reports employ different approaches in order to calculate these impairments. Some utilize the debit and credit approach, others apply extra deaths for a limited time span, and still others will use a combination of the two and apply them to the actuarial calculations. For a policy with a high impairment and a short life expectancy, clinical judgment may supersede the actuarial calculation. Life expectancy calculations utilize the underwriting assessment in tandem with the appropriate mortality table; however each life expectancy provider uses its own proprietary mortality tables based on sex, smoker or non-smoker status, impairment and preferred class. The general understanding is that most life expectancy providers use the 2001 VBT (Valuation Basic Table), but it seems that most use a heavily modified version of the 2001 VBT or their own table altogether. Individuals with medical conditions such as Alzheimer's disease, congestive heart failure and other serious ailments would most likely be declined for a life insurance policy. However, for the purposes of a life settlement, it is possible to estimate the life expectancy of an insured with these medical ailments. For insureds with serious medical conditions, life expectancy assessments often take into account factors that contribute to healthy aging, such as regular physical exercise, social activities, the mental attitude of the insured, and his or her commitment to living a healthy lifestyle. Access to care givers and a support network, are also variables that are taken into consideration. All of these factors can sometimes add a level of complexity to the underwriting process that will affect the final mortality calculation DIFFERENCES IN UNDERWRITING REQUIREMENTS - When submitting an application for a large life insurance policy on an older individual the application needs to be accompanied by medical data as outlined in the insurance company's requirement guidelines. This medical data would usually include a physical examination, blood profile, EKG and an Attending Physician's Statement (APS). Many insurance companies also require functional assessments of an applicant, which include ability to carry out the activities of daily living. Often, financial underwriting is a part of this assessment of insurability. By contrast, life settlement underwriting is based on existing medical data and rarely requires any medical examination, EKGs or blood work. A life settlement application should be accompanied by HIPAA and release of medical information forms. The application is then followed by Attending Physician's Statements ordered from selected physicians by the company transacting the life settlement, usually a broker or provider. This information is then forwarded to the company or companies providing life expectancy reports on the insured. After review of the attending physician's statements and medical history, a life expectancy provider will provide a detailed LE report on the insured. Based on the information in the LE report and the profile of the life insurance policy, an institutional investor will prepare an offer on the policy. Occasionally, the company or companies providing the life expectancy report will indicate that additional information from an attending physician may give them further insight into the insured's life expectancy, which would possibly affect the offers from institutional investors. In such a case, the life settlement broker or provider will order additional information from the appropriate physician(s). In cases where the insured has not seen a physician in two or three years, which would seemingly be a good thing, indicating that the individual is not suffering from any chronic ailments, the company providing a life expectancy report is afforded little current data on which it can effectively base a life expectancy assessment. The principal difference in underwriting for life insurance and life settlements is that in traditional underwriting as low a mortality rating as possible on any medically impaired risk would be preferred in order to obtain a lower cost of insurance. By contrast, for life settlements a higher impairment rating would result in a shorter life expectancy. Thus, the insured would receive a larger settlement for his or her policy. SELLER BEWARE - With life settlements growing at an astounding rate, there are more and more companies seeking to enter this market. Many states have some form of regulation regarding life settlements, while others are unregulated or pending regulation. Some life settlements, such as those on a variable policy, are considered securities transactions. With all of these different regulatory variables, it is important for insurance and financial professionals to make sure they work with a reputable company to facilitate a life settlement. When considering which life settlement company to work with, most of us look for the obvious: to wit, a company that will facilitate and expedite the policy with professionalism as well as acquire competitive bids from a number of institutional investors. However, perhaps of even greater importance to the professional, is a company that has an infrastructure that enables the record keeping necessary to fulfill regulatory standards, as well as a compliance department that will keep abreast with changing regulatory requirements and reporting. Most importantly, the company should hold the applicable licenses in the states were it conducts life settlement transactions. Not surprisingly, these various attributes and characteristics tend to coincide with each other. A reputable company will hold all of the applicable licenses needed, or will refrain from activities in states in which it is not licensed. If they have the proper reporting and record keeping capabilities, this is usually overseen by a compliance department that is also responsible for licensing and regulation. Organizations such as these generally have built an infrastructure that has the manpower to process settlements with fastidious precision. Processing large numbers of settlements according to a high standard will give a company a preferred status and leverage with institutional investors, which might even result in higher offers on a given policy. Be sure to ask the life settlement company if it is licensed and in what states. If they do settlements for variables, ask if these are cleared through a broker dealer and what their relationship to that broker- dealer is. Use the Internet and other tools to research the company you plan on using for a life settlement. The issues may seem trivial today, but fast-forward three years after a life settlement with an unlicensed company that has fallen off the face of the planet and guess who's left holding the bag. |
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"body": "Life settlements are fast growing into a staple of the insurance and financial planning world. Most financial professionals have heard of life settlements, which is the sale of a life insurance policy of a senior (age 65 and over) for a lump sum which is greater than the policy's cash surrender value but less than its death benefit. Policies which are viable for a life settlement are generally those beyond the contestability period wherein the insured has a life expectancy of between 2 and 15 years. Today life settlements are dominated by institutional funders and pension funds.\n\nDespite the continued growth in the life settlements market, the number of insurance or financial professionals that have actually completed a life settlement is surprisingly low. This can be attributed mainly to a lack of in-depth knowledge of life settlements on the part of these professionals. Considering that life settlements are a relatively new option for policy owners, many financial professionals, although having heard of life settlements, have still not had the opportunity to delve into the subject on a deeper level.\n\nMany policy holders come to a juncture wherein they continue to pay life insurance premiums on an unwanted policy in hopes of a gain at maturation, or to recoup some of the investment by trading the policy for its cash surrender value. Corporate policyholders often face additional dilemmas when dealing with departing executives with key-man or split-dollar policies, or insurance purchased as part of a buy-sell agreement.\n\nWith a life settlement, the policyholder realizes an amount much greater than the cash surrender value in exchange for the policy's ownership. Term life insurance policies are also applicable when converted into permanent insurance. Life settlement transactions involving key-man or buy-sell policies can provide businesses with increased cash flow to solve immediate financial problems, while transactions concerning split-dollar policies typically involve retirement planning and charitable giving issues.\n\nIn short, life settlements offer policyholders of all kinds an array of options previously unavailable to them.\n\nIn a recent advisor survey, nearly half of the respondents had clients who had surrendered a life insurance policy, many of whom might have qualified for a life settlement transaction and subsequent lump sum cash payment.\n\nIn this article I will discuss in depth the underwriting process related to life settlements, which is of paramount importance in the process, just as it is in life insurance itself, although there is a great deal of difference in the process for each respectively.\n\nSettlement amounts are determined by a multitude of factors that arrive at a Net Present Value, which is the present value of future benefits from the death benefit minus the present value of future payments associated with sustaining the policy until maturation. These expenses include premium payments, cost of capital and administrative costs. This calculation enables the purchaser to factor in the desired profit from the investment and propose an offer to the seller of the policy. Due to the fact that the investor will be sustaining the policy premiums until maturation, the life expectancy of the insured becomes critical in assessing the value or sale price of the policy. If the assessment of an insured's life expectancy is too short, the purchaser will have paid too much and risks a financial loss. By contrast, should the assessment of an insured's life expectancy be longer than his or her actual life span, the offer to the seller would have been less than it could have been, thus resulting in an undervalued sale for the policy owner. Institutional investors in life settlements generally obtain life expectancy reports from two or more independent LE (life expectancy) providers. Many of the larger institutions investing in life settlements have proprietary underwriting personnel on staff. LE reports can vary significantly based on interpretations, medical data on the insured, and/or the actuarial tables used.\n\nDIFFERENCES IN UNDERWRITING METHODOLOGY - Companies which provide LE reports use actuarial and medical experts who apply probability theory, actuarial methodology and medical analysis in calculating the probable mortality of an insured. Many LE providers employ the services of experienced life insurance underwriters who work in tandem with the actuarial and medical experts. There are a number of companies which provide LE reports. Among those most commonly accepted by institutional investors are: AVS, Fasano, 21st Services, ISC Services and EMSI. These companies specialize in underwriting the senior segment (insureds above the age of 65) and have developed specified methods, underwriting manuals, and mortality tables. The insurance industry customarily employs Reinsurance underwriting manuals as the basis of its ratings for insurability. However, Reinsurance manuals are gauged primarily for insurance applicants up to the age of 65 with insurable impairments up to 500%. These standards reflect the traditional demographic for life insurance. Conversely, life settlement underwriting is geared toward those above the age of 65 and can have impairment ratings much higher than 500%.\n\nIn order to cater to this market segment, adaptations were made to these underwriting manuals based on extensive research of current senior mortality data and scrutinized against recent medical advances and the treatment of diseases or disorders often associated with the elderly. In addition to this, companies that provide LE reports also draw from, and factor in, proprietary data accumulated from previous assessments. Generally, a traditional debit and credit methodology is used by the underwriter in determining the overall rating of an insured, resulting in either standard or substandard. Of course, this is an approximation due to the fact that few impairments cause a uniform percentage increase in mortality. Results using the standard debit and credit method produce reasonable and quantifiable results; however, for conditions such as many forms of cancer, the debit and credit methodology does not generate reliable results. This is mainly due to the fact that the impaired mortality curve is significantly different than the standard curve used in the absence of these impairments. Companies that provide LE reports employ different approaches in order to calculate these impairments. Some utilize the debit and credit approach, others apply extra deaths for a limited time span, and still others will use a combination of the two and apply them to the actuarial calculations. For a policy with a high impairment and a short life expectancy, clinical judgment may supersede the actuarial calculation. Life expectancy calculations utilize the underwriting assessment in tandem with the appropriate mortality table; however each life expectancy provider uses its own proprietary mortality tables based on sex, smoker or non-smoker status, impairment and preferred class. The general understanding is that most life expectancy providers use the 2001 VBT (Valuation Basic Table), but it seems that most use a heavily modified version of the 2001 VBT or their own table altogether.\n\nIndividuals with medical conditions such as Alzheimer's disease, congestive heart failure and other serious ailments would most likely be declined for a life insurance policy. However, for the purposes of a life settlement, it is possible to estimate the life expectancy of an insured with these medical ailments. For insureds with serious medical conditions, life expectancy assessments often take into account factors that contribute to healthy aging, such as regular physical exercise, social activities, the mental attitude of the insured, and his or her commitment to living a healthy lifestyle. Access to care givers and a support network, are also variables that are taken into consideration. All of these factors can sometimes add a level of complexity to the underwriting process that will affect the final mortality calculation\n\nDIFFERENCES IN UNDERWRITING REQUIREMENTS - When submitting an application for a large life insurance policy on an older individual the application needs to be accompanied by medical data as outlined in the insurance company's requirement guidelines. This medical data would usually include a physical examination, blood profile, EKG and an Attending Physician's Statement (APS). Many insurance companies also require functional assessments of an applicant, which include ability to carry out the activities of daily living. Often, financial underwriting is a part of this assessment of insurability. By contrast, life settlement underwriting is based on existing medical data and rarely requires any medical examination, EKGs or blood work. A life settlement application should be accompanied by HIPAA and release of medical information forms. The application is then followed by Attending Physician's Statements ordered from selected physicians by the company transacting the life settlement, usually a broker or provider. This information is then forwarded to the company or companies providing life expectancy reports on the insured. After review of the attending physician's statements and medical history, a life expectancy provider will provide a detailed LE report on the insured. Based on the information in the LE report and the profile of the life insurance policy, an institutional investor will prepare an offer on the policy. Occasionally, the company or companies providing the life expectancy report will indicate that additional information from an attending physician may give them further insight into the insured's life expectancy, which would possibly affect the offers from institutional investors. In such a case, the life settlement broker or provider will order additional information from the appropriate physician(s). In cases where the insured has not seen a physician in two or three years, which would seemingly be a good thing, indicating that the individual is not suffering from any chronic ailments, the company providing a life expectancy report is afforded little current data on which it can effectively base a life expectancy assessment.\n\nThe principal difference in underwriting for life insurance and life settlements is that in traditional underwriting as low a mortality rating as possible on any medically impaired risk would be preferred in order to obtain a lower cost of insurance. By contrast, for life settlements a higher impairment rating would result in a shorter life expectancy. Thus, the insured would receive a larger settlement for his or her policy.\n\nSELLER BEWARE - With life settlements growing at an astounding rate, there are more and more companies seeking to enter this market. Many states have some form of regulation regarding life settlements, while others are unregulated or pending regulation. Some life settlements, such as those on a variable policy, are considered securities transactions. With all of these different regulatory variables, it is important for insurance and financial professionals to make sure they work with a reputable company to facilitate a life settlement. When considering which life settlement company to work with, most of us look for the obvious: to wit, a company that will facilitate and expedite the policy with professionalism as well as acquire competitive bids from a number of institutional investors. However, perhaps of even greater importance to the professional, is a company that has an infrastructure that enables the record keeping necessary to fulfill regulatory standards, as well as a compliance department that will keep abreast with changing regulatory requirements and reporting. Most importantly, the company should hold the applicable licenses in the states were it conducts life settlement transactions.\n\nNot surprisingly, these various attributes and characteristics tend to coincide with each other. A reputable company will hold all of the applicable licenses needed, or will refrain from activities in states in which it is not licensed. If they have the proper reporting and record keeping capabilities, this is usually overseen by a compliance department that is also responsible for licensing and regulation. Organizations such as these generally have built an infrastructure that has the manpower to process settlements with fastidious precision. Processing large numbers of settlements according to a high standard will give a company a preferred status and leverage with institutional investors, which might even result in higher offers on a given policy.\n\nBe sure to ask the life settlement company if it is licensed and in what states. If they do settlements for variables, ask if these are cleared through a broker dealer and what their relationship to that broker- dealer is. Use the Internet and other tools to research the company you plan on using for a life settlement. The issues may seem trivial today, but fast-forward three years after a life settlement with an unlicensed company that has fallen off the face of the planet and guess who's left holding the bag.",
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}2018/07/04 05:41:09
2018/07/04 05:41:09
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| author | tomask-de |
| permlink | re-houmayo-za-gl-is-the-best-url-shortener-for-earn-money-20180704t054108331z |
| title | fossbot voter comment |
| body | Nice read. I leave an upvote for this article *thumbsup* |
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}tomask-deupvoted (100.00%) @houmayo / za-gl-is-the-best-url-shortener-for-earn-money2018/07/04 05:41:00
tomask-deupvoted (100.00%) @houmayo / za-gl-is-the-best-url-shortener-for-earn-money
2018/07/04 05:41:00
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}2018/07/04 05:28:00
2018/07/04 05:28:00
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}2018/07/04 05:27:33
2018/07/04 05:27:33
| parent author | cheetah |
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| permlink | re-cheetah-cheetah-re-houmayoza-gl-is-the-best-url-shortener-for-earn-money-20180704t052725617z |
| title | |
| body | thanks |
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}houmayoupvoted (100.00%) @cheetah / cheetah-re-houmayoza-gl-is-the-best-url-shortener-for-earn-money2018/07/04 05:27:21
houmayoupvoted (100.00%) @cheetah / cheetah-re-houmayoza-gl-is-the-best-url-shortener-for-earn-money
2018/07/04 05:27:21
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}2018/07/04 05:19:24
2018/07/04 05:19:24
| parent author | houmayo |
| parent permlink | za-gl-is-the-best-url-shortener-for-earn-money |
| author | biblegateway |
| permlink | re-houmayo-za-gl-is-the-best-url-shortener-for-earn-money-20180704t051922102z |
| title | |
| body | # # upvote for me please? https://steemit.com/news/@bible.com/2sysip # |
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"body": "#\n# upvote for me please? https://steemit.com/news/@bible.com/2sysip\n#",
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}houmayoupvoted (100.00%) @houmayo / za-gl-is-the-best-url-shortener-for-earn-money2018/07/04 05:19:09
houmayoupvoted (100.00%) @houmayo / za-gl-is-the-best-url-shortener-for-earn-money
2018/07/04 05:19:09
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2018/07/04 05:19:09
| parent author | houmayo |
| parent permlink | za-gl-is-the-best-url-shortener-for-earn-money |
| author | cheetah |
| permlink | cheetah-re-houmayoza-gl-is-the-best-url-shortener-for-earn-money |
| title | |
| body | Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in: https://hashsecure.blogspot.com/2018/02/zagl-url-shortener.html |
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}cheetahupvoted (0.08%) @houmayo / za-gl-is-the-best-url-shortener-for-earn-money2018/07/04 05:18:57
cheetahupvoted (0.08%) @houmayo / za-gl-is-the-best-url-shortener-for-earn-money
2018/07/04 05:18:57
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}fastresteemupvoted (1.00%) @houmayo / za-gl-is-the-best-url-shortener-for-earn-money2018/07/04 05:18:45
fastresteemupvoted (1.00%) @houmayo / za-gl-is-the-best-url-shortener-for-earn-money
2018/07/04 05:18:45
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}houmayopublished a new post: za-gl-is-the-best-url-shortener-for-earn-money2018/07/04 05:18:36
houmayopublished a new post: za-gl-is-the-best-url-shortener-for-earn-money
2018/07/04 05:18:36
| parent author | |
| parent permlink | earn |
| author | houmayo |
| permlink | za-gl-is-the-best-url-shortener-for-earn-money |
| title | Za.gl is the best URL Shortener For earn Money |
| body | Would you like to earn money with URL shortening?Yes, Today I am talking to you how to earn money with URL shortening .!URL shortener is the best way to earn money on the internet. Short URLs are good for a number of reasons. Long URLs in the reading make it difficult for readers to send, so they can break the links if they fail to match up properly. While most email clients can now handle smoothly, mobile and mobile media websites, especially Twitter, have 140 characters, and the popularity and popularity of the URL have been increased Many URL shorts now available on the internet, today I introduce you the highest paid URL shortener, http://za.gl/9Ff1oIlS signup http://za.gl/9Ff1oIlS .jpg) What is za.gl?  Za.gl is The new link shortener network with good CPM charges, Za.gl gives a chance to All users, who earn money online by shrinking and sharing URL links online. Using Za.gl is very easy to earn, select any long URL link and shorten it by Za.gl, then Share online anywhere. If any person clicks on your za.gl short link, you will get a certain amount. Za.gl gives to good features for its publishers. also read : Convert And Save Itunes Saved Songs In Windows ( M4P to MP3) Threshold limit multiple payment options good customer support high referral commission Paint Payment Option Excellent Tools also read : Top 12 Free Music Download Apps For Android Currently Za.gl provides attractive payouts to all customers, up to $ 100 for 10000 visits. If you use PayPal as your payment option to withdraw your revenue, the minimum withdrawal limit is $ 2, If you use bitcoin it will be $ 5. Za.gl offers a very high referral commission publishers, To refer other publishers, za.gl provides now 50% Referral Commission to publishers, which is very much when compared to all other URL shorts. CLICK HERE TO REGISTER ....https://bit.ly/2lRBZMY |
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"title": "Za.gl is the best URL Shortener For earn Money",
"body": "Would you like to earn money with URL shortening?Yes, Today I am talking to you how to earn money with URL shortening .!URL shortener is the best way to earn money on the internet. Short URLs are good for a number of reasons. Long URLs in the reading make it difficult for readers to send, so they can break the links if they fail to match up properly. While most email clients can now handle smoothly, mobile and mobile media websites, especially Twitter, have 140 characters, and the popularity and popularity of the URL have been increased Many URL shorts now available on the internet, today I introduce you the highest paid URL shortener, http://za.gl/9Ff1oIlS signup http://za.gl/9Ff1oIlS\n\n.jpg)\n\n What is za.gl? \n\n\n Za.gl is The new link shortener network with good CPM charges, Za.gl gives a chance to All users, who earn money online by shrinking and sharing URL links online. Using Za.gl is very easy to earn, select any long URL link and shorten it by Za.gl, then Share online anywhere. If any person clicks on your za.gl short link, you will get a certain amount. Za.gl gives to good features for its publishers.\n\nalso read : Convert And Save Itunes Saved Songs In Windows ( M4P to MP3)\nThreshold limit\nmultiple payment options\ngood customer support\n high referral commission\n Paint Payment Option\nExcellent Tools\nalso read : Top 12 Free Music Download Apps For Android \n Currently Za.gl provides attractive payouts to all customers, up to $ 100 for 10000 visits. If you use PayPal as your payment option to withdraw your revenue, the minimum withdrawal limit is $ 2, If you use bitcoin it will be $ 5. Za.gl offers a very high referral commission publishers, To refer other publishers, za.gl provides now 50% Referral Commission to publishers, which is very much when compared to all other URL shorts. \n\nCLICK HERE TO REGISTER ....https://bit.ly/2lRBZMY",
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}houmayoreceived 0.007 STEEM, 0.002 SBD, 0.011 SP author reward for @houmayo / should-you-invest-in-bitcoin2018/07/01 07:15:39
houmayoreceived 0.007 STEEM, 0.002 SBD, 0.011 SP author reward for @houmayo / should-you-invest-in-bitcoin
2018/07/01 07:15:39
| author | houmayo |
| permlink | should-you-invest-in-bitcoin |
| sbd payout | 0.002 SBD |
| steem payout | 0.007 STEEM |
| vesting payout | 18.270108 VESTS |
| Transaction Info | Block #23797730/Virtual Operation #5 |
View Raw JSON Data
{
"trx_id": "0000000000000000000000000000000000000000",
"block": 23797730,
"trx_in_block": 4294967295,
"op_in_trx": 0,
"virtual_op": 5,
"timestamp": "2018-07-01T07:15:39",
"op": [
"author_reward",
{
"author": "houmayo",
"permlink": "should-you-invest-in-bitcoin",
"sbd_payout": "0.002 SBD",
"steem_payout": "0.007 STEEM",
"vesting_payout": "18.270108 VESTS"
}
]
}yashshah991upvoted (100.00%) @houmayo / re-yashshah991-let-s-get-started-20180625t041925867z2018/06/26 04:55:42
yashshah991upvoted (100.00%) @houmayo / re-yashshah991-let-s-get-started-20180625t041925867z
2018/06/26 04:55:42
| voter | yashshah991 |
| author | houmayo |
| permlink | re-yashshah991-let-s-get-started-20180625t041925867z |
| weight | 10000 (100.00%) |
| Transaction Info | Block #23650987/Trx 3fb3a3c94b2e198503427bc79af11f390939f7bc |
View Raw JSON Data
{
"trx_id": "3fb3a3c94b2e198503427bc79af11f390939f7bc",
"block": 23650987,
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"timestamp": "2018-06-26T04:55:42",
"op": [
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{
"voter": "yashshah991",
"author": "houmayo",
"permlink": "re-yashshah991-let-s-get-started-20180625t041925867z",
"weight": 10000
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}2018/06/26 03:48:06
2018/06/26 03:48:06
| voter | adi9911 |
| author | houmayo |
| permlink | re-incredibleashish-wazir-x-first-indian-exchange-you-can-trade-btc-in-free-and-get-250-coin-free-on-first-trade-20180625t035751111z |
| weight | 10000 (100.00%) |
| Transaction Info | Block #23649635/Trx 34c5b1f9b71d3e82011ba5bdf658edbc3da0a5e7 |
View Raw JSON Data
{
"trx_id": "34c5b1f9b71d3e82011ba5bdf658edbc3da0a5e7",
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"timestamp": "2018-06-26T03:48:06",
"op": [
"vote",
{
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"author": "houmayo",
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"weight": 10000
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]
}ahasan07upvoted (100.00%) @houmayo / should-you-invest-in-bitcoin2018/06/25 15:27:42
ahasan07upvoted (100.00%) @houmayo / should-you-invest-in-bitcoin
2018/06/25 15:27:42
| voter | ahasan07 |
| author | houmayo |
| permlink | should-you-invest-in-bitcoin |
| weight | 10000 (100.00%) |
| Transaction Info | Block #23634839/Trx 4ec42bd38b1a830802c260d455c610a581345bf7 |
View Raw JSON Data
{
"trx_id": "4ec42bd38b1a830802c260d455c610a581345bf7",
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"op_in_trx": 0,
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"timestamp": "2018-06-25T15:27:42",
"op": [
"vote",
{
"voter": "ahasan07",
"author": "houmayo",
"permlink": "should-you-invest-in-bitcoin",
"weight": 10000
}
]
}2018/06/25 15:26:09
2018/06/25 15:26:09
| parent author | houmayo |
| parent permlink | re-ahasan07-wall-street-s-entry-into-crypto-sector-will-bring-in-trillions-cardano-co-founder-20180625t035835225z |
| author | ahasan07 |
| permlink | re-houmayo-re-ahasan07-wall-street-s-entry-into-crypto-sector-will-bring-in-trillions-cardano-co-founder-20180625t152602299z |
| title | |
| body | ok...thanks |
| json metadata | {"tags":["crypto"],"app":"steemit/0.1"} |
| Transaction Info | Block #23634808/Trx fff35c74f387673d4262eecc96f6216726d3855d |
View Raw JSON Data
{
"trx_id": "fff35c74f387673d4262eecc96f6216726d3855d",
"block": 23634808,
"trx_in_block": 41,
"op_in_trx": 0,
"virtual_op": 0,
"timestamp": "2018-06-25T15:26:09",
"op": [
"comment",
{
"parent_author": "houmayo",
"parent_permlink": "re-ahasan07-wall-street-s-entry-into-crypto-sector-will-bring-in-trillions-cardano-co-founder-20180625t035835225z",
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"permlink": "re-houmayo-re-ahasan07-wall-street-s-entry-into-crypto-sector-will-bring-in-trillions-cardano-co-founder-20180625t152602299z",
"title": "",
"body": "ok...thanks",
"json_metadata": "{\"tags\":[\"crypto\"],\"app\":\"steemit/0.1\"}"
}
]
}2018/06/25 13:45:15
2018/06/25 13:45:15
| parent author | houmayo |
| parent permlink | re-incredibleashish-wazir-x-first-indian-exchange-you-can-trade-btc-in-free-and-get-250-coin-free-on-first-trade-20180625t035751111z |
| author | incredibleashish |
| permlink | re-houmayo-re-incredibleashish-wazir-x-first-indian-exchange-you-can-trade-btc-in-free-and-get-250-coin-free-on-first-trade-20180625t134501509z |
| title | |
| body | Thanks I return the favor |
| json metadata | {"tags":["bitcoin"],"app":"steemit/0.1"} |
| Transaction Info | Block #23632790/Trx cee2f12798e69b91f84e70552bc11edbb42cd9f4 |
View Raw JSON Data
{
"trx_id": "cee2f12798e69b91f84e70552bc11edbb42cd9f4",
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"op": [
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{
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"parent_permlink": "re-incredibleashish-wazir-x-first-indian-exchange-you-can-trade-btc-in-free-and-get-250-coin-free-on-first-trade-20180625t035751111z",
"author": "incredibleashish",
"permlink": "re-houmayo-re-incredibleashish-wazir-x-first-indian-exchange-you-can-trade-btc-in-free-and-get-250-coin-free-on-first-trade-20180625t134501509z",
"title": "",
"body": "Thanks I return the favor",
"json_metadata": "{\"tags\":[\"bitcoin\"],\"app\":\"steemit/0.1\"}"
}
]
}2018/06/25 05:39:42
2018/06/25 05:39:42
| parent author | houmayo |
| parent permlink | should-you-invest-in-bitcoin |
| author | arpansonkar |
| permlink | re-houmayo-should-you-invest-in-bitcoin-20180625t053939144z |
| title | |
| body | Bitcoin is future ...very soon everyone can c its price skyrocketing..!!! |
| json metadata | {"tags":["cryptocurrency"],"app":"steemit/0.1"} |
| Transaction Info | Block #23623081/Trx 3ffe069b1f0696a568d574d5e7862bec6c66ff60 |
View Raw JSON Data
{
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"op": [
"comment",
{
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"parent_permlink": "should-you-invest-in-bitcoin",
"author": "arpansonkar",
"permlink": "re-houmayo-should-you-invest-in-bitcoin-20180625t053939144z",
"title": "",
"body": "Bitcoin is future ...very soon everyone can c its price skyrocketing..!!!",
"json_metadata": "{\"tags\":[\"cryptocurrency\"],\"app\":\"steemit/0.1\"}"
}
]
}arpansonkarupvoted (100.00%) @houmayo / should-you-invest-in-bitcoin2018/06/25 05:38:42
arpansonkarupvoted (100.00%) @houmayo / should-you-invest-in-bitcoin
2018/06/25 05:38:42
| voter | arpansonkar |
| author | houmayo |
| permlink | should-you-invest-in-bitcoin |
| weight | 10000 (100.00%) |
| Transaction Info | Block #23623061/Trx 31e95d08785fefeb10dc79e8d10c5baa5a0cd9dd |
View Raw JSON Data
{
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"timestamp": "2018-06-25T05:38:42",
"op": [
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{
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"weight": 10000
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]
}2018/06/25 05:31:18
2018/06/25 05:31:18
| parent author | houmayo |
| parent permlink | re-kittocap-i-am-new-here-please-welcome-me-20180625t035320696z |
| author | kittocap |
| permlink | re-houmayo-re-kittocap-i-am-new-here-please-welcome-me-20180625t053115721z |
| title | |
| body | sure.. what type of contents you post ? |
| json metadata | {"tags":["mgsc"],"app":"steemit/0.1"} |
| Transaction Info | Block #23622913/Trx 83637faab76b56fd656130a4414e6c29f80394e1 |
View Raw JSON Data
{
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"timestamp": "2018-06-25T05:31:18",
"op": [
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"author": "kittocap",
"permlink": "re-houmayo-re-kittocap-i-am-new-here-please-welcome-me-20180625t053115721z",
"title": "",
"body": "sure.. what type of contents you post ?",
"json_metadata": "{\"tags\":[\"mgsc\"],\"app\":\"steemit/0.1\"}"
}
]
}2018/06/25 04:34:42
2018/06/25 04:34:42
| parent author | houmayo |
| parent permlink | should-you-invest-in-bitcoin |
| author | aliasgar |
| permlink | re-houmayo-should-you-invest-in-bitcoin-20180625t043438567z |
| title | |
| body | Definetly i invested... And will more invest in bitcoin and other crytos..... |
| json metadata | {"tags":["cryptocurrency"],"app":"steemit/0.1"} |
| Transaction Info | Block #23621781/Trx 8a1e1649624aebd24a067ffa4f147ea03425abaf |
View Raw JSON Data
{
"trx_id": "8a1e1649624aebd24a067ffa4f147ea03425abaf",
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"timestamp": "2018-06-25T04:34:42",
"op": [
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{
"parent_author": "houmayo",
"parent_permlink": "should-you-invest-in-bitcoin",
"author": "aliasgar",
"permlink": "re-houmayo-should-you-invest-in-bitcoin-20180625t043438567z",
"title": "",
"body": "Definetly i invested... And will more invest in bitcoin and other crytos.....",
"json_metadata": "{\"tags\":[\"cryptocurrency\"],\"app\":\"steemit/0.1\"}"
}
]
}aliasgarupvoted (100.00%) @houmayo / should-you-invest-in-bitcoin2018/06/25 04:33:48
aliasgarupvoted (100.00%) @houmayo / should-you-invest-in-bitcoin
2018/06/25 04:33:48
| voter | aliasgar |
| author | houmayo |
| permlink | should-you-invest-in-bitcoin |
| weight | 10000 (100.00%) |
| Transaction Info | Block #23621763/Trx e38d99cad3e92271e0905269384b18f089471f33 |
View Raw JSON Data
{
"trx_id": "e38d99cad3e92271e0905269384b18f089471f33",
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"timestamp": "2018-06-25T04:33:48",
"op": [
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{
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"weight": 10000
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]
}2018/06/25 04:19:27
2018/06/25 04:19:27
| parent author | yashshah991 |
| parent permlink | let-s-get-started |
| author | houmayo |
| permlink | re-yashshah991-let-s-get-started-20180625t041925867z |
| title | |
| body | ohhhhhhhhh internetive hobby |
| json metadata | {"tags":["welcome"],"app":"steemit/0.1"} |
| Transaction Info | Block #23621476/Trx 601df61f1add7896fa8ecb09a7815544a560c570 |
View Raw JSON Data
{
"trx_id": "601df61f1add7896fa8ecb09a7815544a560c570",
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"timestamp": "2018-06-25T04:19:27",
"op": [
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"author": "houmayo",
"permlink": "re-yashshah991-let-s-get-started-20180625t041925867z",
"title": "",
"body": "ohhhhhhhhh internetive hobby",
"json_metadata": "{\"tags\":[\"welcome\"],\"app\":\"steemit/0.1\"}"
}
]
}houmayoupvoted (100.00%) @yashshah991 / let-s-get-started2018/06/25 04:18:51
houmayoupvoted (100.00%) @yashshah991 / let-s-get-started
2018/06/25 04:18:51
| voter | houmayo |
| author | yashshah991 |
| permlink | let-s-get-started |
| weight | 10000 (100.00%) |
| Transaction Info | Block #23621464/Trx 81c28a8b95fd5535ca8c901ed662f12e043f2225 |
View Raw JSON Data
{
"trx_id": "81c28a8b95fd5535ca8c901ed662f12e043f2225",
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"timestamp": "2018-06-25T04:18:51",
"op": [
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{
"voter": "houmayo",
"author": "yashshah991",
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}
]
}houmayoupvoted (100.00%) @damapa / re-houmayo-should-you-invest-in-bitcoin-20180625t041428688z2018/06/25 04:17:15
houmayoupvoted (100.00%) @damapa / re-houmayo-should-you-invest-in-bitcoin-20180625t041428688z
2018/06/25 04:17:15
| voter | houmayo |
| author | damapa |
| permlink | re-houmayo-should-you-invest-in-bitcoin-20180625t041428688z |
| weight | 10000 (100.00%) |
| Transaction Info | Block #23621432/Trx 139ba87dcf6dbb8c7e4ddd32895ac27d20bfa80e |
View Raw JSON Data
{
"trx_id": "139ba87dcf6dbb8c7e4ddd32895ac27d20bfa80e",
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"timestamp": "2018-06-25T04:17:15",
"op": [
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{
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"author": "damapa",
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}houmayofollowed @yashshah9912018/06/25 04:17:09
houmayofollowed @yashshah991
2018/06/25 04:17:09
| required auths | [] |
| required posting auths | ["houmayo"] |
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| Transaction Info | Block #23621430/Trx 25a0eb427f0b252b07fbc4dedafcc7ac509b80b1 |
View Raw JSON Data
{
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}houmayoupvoted (100.00%) @yashshah991 / re-houmayo-should-you-invest-in-bitcoin-20180625t041137666z2018/06/25 04:17:03
houmayoupvoted (100.00%) @yashshah991 / re-houmayo-should-you-invest-in-bitcoin-20180625t041137666z
2018/06/25 04:17:03
| voter | houmayo |
| author | yashshah991 |
| permlink | re-houmayo-should-you-invest-in-bitcoin-20180625t041137666z |
| weight | 10000 (100.00%) |
| Transaction Info | Block #23621428/Trx bb2e6d56e831fafbd0d941b5008cba3920ce2eb6 |
View Raw JSON Data
{
"trx_id": "bb2e6d56e831fafbd0d941b5008cba3920ce2eb6",
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"timestamp": "2018-06-25T04:17:03",
"op": [
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{
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}houmayoupvoted (100.00%) @kittocap / re-houmayo-should-you-invest-in-bitcoin-20180624t163021706z2018/06/25 04:17:00
houmayoupvoted (100.00%) @kittocap / re-houmayo-should-you-invest-in-bitcoin-20180624t163021706z
2018/06/25 04:17:00
| voter | houmayo |
| author | kittocap |
| permlink | re-houmayo-should-you-invest-in-bitcoin-20180624t163021706z |
| weight | 10000 (100.00%) |
| Transaction Info | Block #23621427/Trx a741c5dd90fed041d8e0d9d00db727a5fd67fc99 |
View Raw JSON Data
{
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}houmayoupvoted (100.00%) @steemitboard / steemitboard-notify-houmayo-20180624t135802000z2018/06/25 04:16:57
houmayoupvoted (100.00%) @steemitboard / steemitboard-notify-houmayo-20180624t135802000z
2018/06/25 04:16:57
| voter | houmayo |
| author | steemitboard |
| permlink | steemitboard-notify-houmayo-20180624t135802000z |
| weight | 10000 (100.00%) |
| Transaction Info | Block #23621426/Trx 2fab2b519accd28dbdaeab74648bc96847a7b563 |
View Raw JSON Data
{
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"timestamp": "2018-06-25T04:16:57",
"op": [
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"author": "steemitboard",
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}houmayofollowed @steemitboard2018/06/25 04:16:30
houmayofollowed @steemitboard
2018/06/25 04:16:30
| required auths | [] |
| required posting auths | ["houmayo"] |
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| Transaction Info | Block #23621417/Trx 9c7da8e0bfa0c9197bea8892e6dc9499cd7aa29e |
View Raw JSON Data
{
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}houmayofollowed @rohanmore2018/06/25 04:16:18
houmayofollowed @rohanmore
2018/06/25 04:16:18
| required auths | [] |
| required posting auths | ["houmayo"] |
| id | follow |
| json | ["follow",{"follower":"houmayo","following":"rohanmore","what":["blog"]}] |
| Transaction Info | Block #23621413/Trx 0210b905d91350db8370a8b376453dbd304e62d1 |
View Raw JSON Data
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]
}2018/06/25 04:14:33
2018/06/25 04:14:33
| parent author | houmayo |
| parent permlink | should-you-invest-in-bitcoin |
| author | damapa |
| permlink | re-houmayo-should-you-invest-in-bitcoin-20180625t041428688z |
| title | |
| body | Done |
| json metadata | {"tags":["cryptocurrency"],"app":"steemit/0.1"} |
| Transaction Info | Block #23621378/Trx b198f813ddbb5bd3a908ebee650aa6d253c9d07f |
View Raw JSON Data
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}damapaupvoted (100.00%) @houmayo / should-you-invest-in-bitcoin2018/06/25 04:14:21
damapaupvoted (100.00%) @houmayo / should-you-invest-in-bitcoin
2018/06/25 04:14:21
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2018/06/25 04:13:33
| voter | damapa |
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2018/06/25 04:12:36
| parent author | houmayo |
| parent permlink | re-aliasgar-everyone-s-most-funny-moment-20180625t041024494z |
| author | aliasgar |
| permlink | re-houmayo-re-aliasgar-everyone-s-most-funny-moment-20180625t041232830z |
| title | |
| body | Its my passion to make this type of meme's... Do you really like it.? |
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}aliasgarupvoted (100.00%) @houmayo / re-aliasgar-everyone-s-most-funny-moment-20180625t041024494z2018/06/25 04:11:42
aliasgarupvoted (100.00%) @houmayo / re-aliasgar-everyone-s-most-funny-moment-20180625t041024494z
2018/06/25 04:11:42
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}2018/06/25 04:11:39
2018/06/25 04:11:39
| parent author | houmayo |
| parent permlink | should-you-invest-in-bitcoin |
| author | yashshah991 |
| permlink | re-houmayo-should-you-invest-in-bitcoin-20180625t041137666z |
| title | |
| body | So bitcoin would rise up after falling such hard?? |
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}yashshah991upvoted (100.00%) @houmayo / should-you-invest-in-bitcoin2018/06/25 04:11:15
yashshah991upvoted (100.00%) @houmayo / should-you-invest-in-bitcoin
2018/06/25 04:11:15
| voter | yashshah991 |
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| permlink | should-you-invest-in-bitcoin |
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}2018/06/25 04:10:30
2018/06/25 04:10:30
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2018/06/25 04:10:24
| parent author | aliasgar |
| parent permlink | everyone-s-most-funny-moment |
| author | houmayo |
| permlink | re-aliasgar-everyone-s-most-funny-moment-20180625t041024494z |
| title | |
| body | it's do funny |
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}houmayoupvoted (100.00%) @aliasgar / everyone-s-most-funny-moment2018/06/25 04:10:03
houmayoupvoted (100.00%) @aliasgar / everyone-s-most-funny-moment
2018/06/25 04:10:03
| voter | houmayo |
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}subhankar734upvoted (100.00%) @houmayo / should-you-invest-in-bitcoin2018/06/25 04:09:06
subhankar734upvoted (100.00%) @houmayo / should-you-invest-in-bitcoin
2018/06/25 04:09:06
| voter | subhankar734 |
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}2018/06/25 04:08:30
2018/06/25 04:08:30
| voter | houmayo |
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2018/06/25 04:08:15
| voter | houmayo |
| author | moneyguruu |
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}2018/06/25 04:02:27
2018/06/25 04:02:27
| parent author | subhankar734 |
| parent permlink | the-blue-giant-planet-neptune-interesting-facts |
| author | houmayo |
| permlink | re-subhankar734-the-blue-giant-planet-neptune-interesting-facts-20180625t040227598z |
| title | |
| body | nice info and i am done |
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"body": "nice info \nand i am done",
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}houmayoupvoted (100.00%) @subhankar734 / the-blue-giant-planet-neptune-interesting-facts2018/06/25 04:02:24
houmayoupvoted (100.00%) @subhankar734 / the-blue-giant-planet-neptune-interesting-facts
2018/06/25 04:02:24
| voter | houmayo |
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}houmayofollowed @subhankar7342018/06/25 04:02:12
houmayofollowed @subhankar734
2018/06/25 04:02:12
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2018/06/25 04:01:18
| parent author | adonisabril |
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| permlink | re-adonisabril-cyclingthequebradadecafayateonadilapidatedmountainbike-xbmckssu8d-20180625t040113685z |
| title | |
| body | nice info and i am done |
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2018/06/25 04:00:45
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0 / 30
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[]