Spotify’s IPO Is Like Nothing We’ve Seen Before




If you’re into the world of investing, you know what an IPO, or Initial Public Offering, is. This is when companies offer shares to the general public in an attempt to raise funds; the transaction that defines the difference between privately held and publicly traded. However, Spotify’s offering is very different from anything we’ve ever seen before. Today, we’ll talk about how the Spotify IPO is unique.

Bell-Ringing… Spotify Won’t Be Taking Part!

When an IPO launches, the CEO or other members from the company’s team of executives will generally ring the opening bell or closing bell for the stock exchange on which it goes public. However, that won’t be the case for Spotify. In fact, the company won’t be engaging in any self promotion or congratulatory events on the day it goes public.

That’s right, the CEO won’t be on the trading floor on April third talking about the company. Not to mention, there will not be any parties to celebrate the going public milestone. In a recent statement, Daniel Ek, CEO and founder at Spotify, had the following to offer:

                                       “For us, going public has never really been about the pop or circumstance of it all…”


New Shares… No Need!

Even more interestingly, Spotify will not be offering any NEW shares during its IPO! In general, when a company launches its IPO,that company will offer new shares of the stock to those that purchase through the IPO. However, Spotify is going about things in a very unconventional way.

In a recent announcement, the company said that it would not be offering new shares. Instead, all Spotify shares included in the IPO are shares held by existing shareholders. While this is very unorthodox, it’s actually very interesting and could be for a very good reason.

When new shares are included in an IPO, they are traditionally known as a lockup period. However, by only offering shares that are already held by existing shareholders, there will be no lockup period enforced by Wall Street underwriters. Is this a positive or negative? Well, no one really knows as we’ve never seen anything like this before. However, it does provide some advantages that could cause further demand among the investing public.

No Closed-Door Promotion

Finally, when a company launches an IPO, there’s quite a bit of awareness building that happens to take place. Much of this awareness building is done behind closed doors on road shows. However, Spotify has made it clear that they will not be doing any closed door promotion of the IPO. Instead, everything done will be public knowledge.

This was taken a step further on Thursday when the company first live streamed a road show. Here’s the link to the archived video. While this is unorthodox yet again, it could prove to be a positive as it will likely lead to investors enjoying the added transparency.

Final Thoughts

IPOs happen all of the time. However, this particular IPO is like nothing the market has ever seen before. Without private meetings, bell ringing events, interviews and new shares, Spotify is setting the stage for a very interesting first trading session on March 3rd.


March 18, 2018 at 6:47am
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Telegram Founder: Crypto Mining Malware Not An App Flaw



There was a report by  that the attackers had discovered an exposed backdoor in Telegram Messenger, this vulnerability helped the attackers unknown to the owners turn computers into cryptocurrency miners.

These clandestine crypto mining operations had been going on since March 2017 reported Kaspersky Labs, the company that discovered and exposed the cyber attacks. Kaspersky also said a zero-day vulnerability in the Telegram messenger desktop app gave the attackers the ability to create and spread a never before seen the type of malware that could create a backdoor Trojan and also mine cryptocurrency.


A Kaspersky lab analyst said they had found quite a number of possible actions of the zero-day exploitation which asides from being spyware and malware, could also send unknown and unseen software for mining cryptocurrency, and that infections like that had become a global phenomenon.

Here is a little insight into the operation of the Telegram vulnerability; there is a way the Telegram Windows client deals with the RLO (right-to-left override) Unicode character (U+202E), in that process lays the vulnerability. However, that RLO Unicode Character is how languages are written from right to left (like Hebrew or Arabic) are coded. Kaspersky’s report states that a hidden RLO Unicode Character contained in the file name that flipped how the characters were ordered, thereby giving the file a new name was how the malware creators got access to computers. Like in this example, an attacker names a file “IMG_high_re*U+202E*gnp.js” and sends to someone using the Telegram messenger, the file seen at the User’s end will be “IMG_high_resj.png” (notice how a flip has happened to the file format), the user then clicks on the file thinking it is a picture file, then a JavaScript file containing the malware would be secretly downloaded.

                                                 Founder of Telegram


However, the founder of the Telegram application did not waste time in deemphasizing the allegations. He is of the opinion that antivirus companies always do the most at stretching the severity of their results, just to excite the public, and as such, should not be taken seriously. He also rebuffed Kaspersky’s claim by explaining that what they uncovered was nothing near a vulnerability of the Telegram messaging app, and also that there was no way cybercriminals could gain access to users’ computers without the users opening something malicious. He further assured Telegram users that they were safe and had always been safe.

According to Kaspersky, Fantomcoin, Monero, Zcash and other cryptocurrencies were acquired, and according to the evidence they had, Russians were behind the malware, and also that it could be used as a backdoor for hackers to gain access and silent control of users’ computers. Records of a Telegram local cache which most likely was stolen from victims was found in the process of doing their analysis of malicious servers.

One sure way to guard against such attacks is to avoid downloading and opening suspicious files from untrusted and unknown sources, as that suspicious file could be a portal for attacks.

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Bitcoin The Pros and Cons of the Upcoming Currency

So a Miami judge has ruled that the digital currency bitcoin is not money in a money laundering case. The accused launderer was charged for selling $1,500 worth of bitcoins to undercover agents for use in buying stolen credit cards. There is mixed reactions to the ruling. The defendant, of course, is glad of the court victory but prosecutors are worried the judge set a precedent that would embolden criminals to wash dirty money with bitcoins.

Some 3,000 miles away in Suisun City, California, executives of WPCS International Inc. (Nasdaq: WPCS) received the news with keen interest. It may be odd since the company does not charge customers bitcoins for designing and building communications infrastructure and doing specialty construction, its main business. But the case and the ruling matter because WPCS owns BTX Trader LLC, which runs an online platform where bitcoins can be traded in multiple digital currency exchanges worldwide. The judge left bitcoin trading untouched making it business as usual for BTX Trader. WPCS is rated as a Strong Buy

BTX Trader’s Platform

The BTX Trader’s platform of the same name connects users to 14 bitcoin exchanges worldwide to retrieve market data and other users’ trade activity as well as to place trades. It has a built-in wallet called Celery that allows U.S. residents to buy bitcoin or dogecoin, another cryptocurrency, via direct bank transfers. BTX Traders earns from transaction fees from users. It also sells the wallet for the bitcoin equivalent of $99, $49.99 or $99.99.

Profitable contractor

WPCS’ traditional revenue sources are from low voltage communication and security contracting services. The company designs wireless networks and provides technology integration to create wireless communication systems, including WiFi networks, post-to-point systems, mesh networks, microwave systems, cellular networks, in-building systems and two-way communications systems. WPCS provides services mainly to the public services, health care and energy sectors.

The latest quarterly earnings report in March showed that operations in Suisun generated $286,000 in income for the fiscal 2016 third quarter and $886,000 for the nine months ended Jan. 31, 2016. The company’s only debt is a $150,000 vehicle loan and more than 96 percent of its $7 million assets are current assets.

Share Rally

With the recognition and use of bitcoin for paying goods and services growing, WPCS saw the opportunity of propping up revenues and attracting more investors by acquiring BTX Trader LLC in 2013. WPCS shares rose by a dollar from $1.51 to $2.53 before settling at $2 when the acquisition was announced in December that year. A share of WPCS is worth $1.52 as of July 26.

Shareholders were made aware of the many risks of the foray in the digital currency industry. One is the slowdown in the development of the Bitcoin network and reduction in the use of the digital money. There is also risk from the regulatory environment. The European Union is pushing for government access to bitcoin databases, identities of users of the virtual currency and users’ wallet addresses by next year to prevent terrorists from using bitcoins to fund their attacks. Such regulation could discourage bitcoin investment, though it is a recognition of the digital currency. There are also competing bitcoin trading platforms. But BTX Trader and WPCS welcome anything that heightens trading volumes of bitcoins.

Bitcoin pathway

The retail industry is slow in adopting virtual currency as a payment mode. Speculation is said to be the main driver of bitcoin trading. Risk-conscious investors can test the virtual currency as a go-to asset without being a trader or miner (those who record bitcoin transactions to earn bitcoins) themselves. WPCS is one such avenue.

Although the contractor belongs to a different industry, running a bitcoin service is not unusual for a company that is unrelated to financial services and retail. A mining company had ventured into bitcoin mining while a game developer is allowing players to pay in bitcoin to play. WPCS, through BTX Trader, plans to develop more bitcoin services as it serves its traditional customers.

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How to Raise Money to Pay for Your International Relations Degree



Today we live in a highly interconnected, globalized world. Every facet of our lives is affected by the fact that we are part of an international community, and not just individual nations with no common link or cause. While on the international stage there may still be violent disagreements between different countries, cultures, and political ideals, there is now far more that unites us than divides us. We are all embroiled in the same struggle with our fellow humans, a struggle for freedom, peace, and prosperity.

However, it is not always easy to make sense of the subtle and delicate interplay between all the different cultures and forces that exist on the Earth. As much as we would all like to get along effortlessly and to join forces in trying to make the world the best place that it possibly can be for us all to live in, the world is just more complicated than that.

Online degrees are a wonderful development in the field of education, they allow for anyone to study from home, to better themselves, and expand their options for the future. Studying an international relations masters degree online opens the door for anyone to learn about international relations. While online degrees are much cheaper than their campus counterparts they aren’t free, and for many people the expenditure is still significant.

In this article we take a look at some simple things that you can do to earn money towards studying an international affairs masters.

Get a Job!

Ok so this one might seem too obvious to be worth mentioning, but the reason that many people don’t choose to find a job as a way of earning money for their degree is because they assume they will have to quit once they start studying. You can choose to find a position that only requires a few months of work and then leave to pursue your studies, or, owing to the flexibility of online degrees, you can continue to work while you study. Most universities, such as Norwich University, allow students to study either part time or full time. Part time studying is perfect for those who want to work while they study.

Sell Old Stuff

We all have clutter lying around out homes, stuff that we have amassed over the years but no longer have a use for. This stuff can be a potential goldmine, one that many of us don’t even realize that we are sitting on. Even the stuff that seems to be of little value to you could be worth something to someone else, it is always worth listing your unwanted items online. You can now even sell stuff through Facebook.

Work Odd Jobs

Sites like Craigslist or Fiver allow anyone to post an ad offering their services for odd jobs. They are a great way of earning a little extra cash. Obviously you aren’t going to make any life changing amounts, but as a way of earning some extra cash to put towards your studies they are very effective.

If you’re getting ready to study your international relations degree then you will want to put a bit of money together beforehand, not only for your studies but to ensure that you can afford to have a bit of fun at the same time.

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Bit Coin The Next World Currency


With internet technology expanding every day it is hard to keep up with the innovative software that keeps popping up on a regular basis. Although Bitcoin was first introduced in 2009; it is still a relatively new player in the online payment system. What makes this internet payment network so special is its uniqueness. It makes it possible to transfer Bitcoin currency from one peer to another quickly and effectively. The processing fees are very low and you can make worldwide payments in minutes. It sounds like we better explore this a little bit further.


It is a digital currency that is bought, sold and transferred between fellow users of the same payment network. The process begins when the prospective member downloads the software to their computer or phone. Once you have completed this process you will receive a Bitcoin address. The address is used to send you payments for goods or services rendered. This currency can also be bought on a market exchange. You can sell your bitcoins at this exchange as well.  The unique thing about this payment network is that the currency is decentralized. It is not owned or controlled by any bank or financial institution. It is not insured by the FDIC. It is open to anyone that wants to become a member. More and more merchants are accepting this digital currency for their goods or services. There is no risk and the encryption process is very effective.



You install a wallet on your computer or phone. You receive your new IP address. Then you begin accumulating bitcoins through purchase or transactions. All transactions on the payment network are stored in a Block Chain, which is nothing more than a shared public ledger. Bitcoins are transferred instantly and is verified mathematically by the network. Currency is transferred from one wallet to another quickly, safely, and securely. The Bitcoin mining process is where the transactions are constantly stored in the block chain and then verified by the computer.



The Bitcoin payment network has been around for a while and it is an interesting way to send and receive payments. As more merchants jump on board with this program you will hear more about the Bitcoin system. It may not be as familiar as some payment networks on the internet, but it has the potential of growing into something special. The setup is easy and as long as you know merchants or others that use the network you can find some nice benefits in using this system.




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Managing Your finances With Technology

Checking your bank account on pay day can be one of the most satisfying feelings of the month, but unfortunately that feeling is often short lived. Once you’ve paid your rent or mortgage, your energy bills and your taxes, you can often be left with very little to spend on anything other than food. But although your smartphone now adds another big bill to your monthly outgoings, it can actually help you keep track of your finances and even save money. Here are a few ways technology can make managing your finances much easier.

Pay the Best Price for Products and Services

One of the best ways to make your money go further is to make sure you’re paying the best price for products and services. Often if you’re buying something from a store in person you could be paying a lot more for it than if you were buying it online. You can now even get apps on your phone like Barcode Scanner that will let you find out whether a product is available cheaper online by just taking a photo of the bar-code. If you can find it online cheaper, you could save even more money by visiting sites like Coupon Follow and Deals Plus to find discount codes that can get you a percentage off the price or even free delivery.

Check Regularly for Promotions

By taking the time to shop around and checking sites regularly for promotions you can really save a lot of money. When you do buy from your favorite stores, booking sites or even casinos take the time to sign up for their newsletter as they will let you know when they’re running sales on their range of clothes, electrical products or DVDs. If you’re a fan of playing casino games, there are even some really lucrative casino promotions to take advantage of on the internet. Casino affiliate site Red8’s regularly run casino promotions on their client’s behalf, ensuring that customers get to enjoy the latest bonuses.


Check Energy Savings Opportunities

You can even save money on your energy bills by checking whether you’re on the best tariff from the comfort of your mobile phone. Sites like Choose Energy will compare all of the energy providers in your state and based on your energy usage tell you what the cheapest deal for you is. Although switching energy providers might sound difficult, the website takes the stress out of switching for you and within a few clicks you can be saving hundreds of dollars every year.

View your Bank Account Regularly

Although discount codes, casino promotions and comparison sites can save you a lot of money, the best way of managing your finances is probably to keep an eye on your bank account. Luckily most major banks now have smartphone apps that mean you can check how much money you’ve got 24 hours a day, wherever you are. So whether you want to make sure you have some money saved up for something special or just want to stay out of your overdraft, these banking apps can be a real stress reliever.

              Keep a Sharp Eye on Your Finances With Your Smart Phone