Tag Archives: buy

Steem Dollars are now selling for $1.50 on Poloniex! Take advantage of this odd situation now!

bitcoinmeister63 in steemit
What is going on with the price? No time to research. This is a unique opportunity for holders of Steem dollars. They should only be around $1. Good luck. If you appreciate up to the minute cryptocurrency news like this then follow me here and on Twitter (@techbalt) and sub to my youtube channel.

https://twitter.com/TechBalt/status/856892306418434050

https://www.youtube.com/user/BaltimoreHourly/videos

EDIT: Thanks @bbkoopsta for suggesting that the crazy Tether situation might have something to do with this. Perhaps people who want a stable $1 crypto are flocking into Steem Dollars and ironically making Steem Dollars not so stable at $1 (to the way up side though!)

More Tether/Steem dollar info here:  http://https://steemit.com/tether/@acidyo/tether-vs-steem-dollars

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COIN MARKET CAP TO HIT 31 BILLION

As more people become aware of cryptocurrency and more countries look at the possibility of accepting bitcoin as a legal payment method, the confidence in this market is reflected by the amount of money that pours into it. Three months ago, the market cap had approximately 25 billion dollars. Today, the same market has matured with $30.8 billion in capital. The questions remain the same as three months ago. Where is it going from here? How far is this going?
There is nothing but excitement to see coins like DigiByte, Einsteinium, PinkCoin, etc, making their entrance into the big circus of cryptocurrencies. I know that there is more than enough room for all of them and that we will see them grow along to the Cryptocurrency Market.  By melip50  in cryptocurrency

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Earn Royalties For A Lifetime. Absolutely Brilliant

If kulaBrands would have been around when Edison invented the bulb we could have helped him get it into the market place..Cause that's what we do..Can you imagine what the Lifetime Royalties would be on a project like this..?..Wow..! Or The Hula Hoop.?.Pool Noodles..? ZipnStore..? The list goes on and on..Start getting Royalties with the kulabrands members Today..! Join NOW and EARN: https://dz241.isrefer.com/go/kbrefer/a4864/

As a kulaBrands member, you earn reverse royalty payments on the worldwide gross sales of every product in which you choose to be involved. Complete a series of one-time actions, and then get paid for that work repeatedly throughout your life. The more one-time actions you choose to take, the more you can earn.

The power of kulaBrands is in the strength of its community

Imagine starting a business working a few hours a week from the comfort of your own home, and building a residual income that can be passed from generation to generation. As a kulaBrands member you’ll be part of a close-knit community where everyone works together, and each member has equal opportunity to earn.

You’ll get to know some of the most creative and talented inventors from around the world. Through a series of simple, one-time actions you’ll help these inventors realize their dreams. The more one-time actions you complete, the more lifetime royalties you can earn.

As a kulaBrands member, you earn reverse royalty payments on the worldwide gross sales of every product in which you choose to be involved. Complete a series of one-time actions, and then get paid for that work repeatedly throughout your life. The more one-time actions you choose to take, the more you can earn.

The power of kulaBrands is in the strength of its community. 

Allow us to show you the two holy grails of financial freedom. SHOW ME THE WAY:   https://dz241.isrefer.com/go/kbrefer/a4864/

 

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The smartphone is eventually going to die, and then things are going to get really crazy

Apple CEO Tim Cook AP

 

One day, not too soon — but still sooner than you think — the smartphone will all but vanish, the way beepers and fax machines did before it.

Make no mistake: We're still probably at least a decade away from any kind of meaningful shift away from the smartphone. (And if we're all cyborgs by 2027, I'll happily eat my words. Assuming we're still eating at all, I guess.)

Yet, piece by piece, the groundwork for the eventual demise of the smartphone is being laid by Elon Musk, Microsoft, Facebook, Amazon, and a countless number of startups that still have a part to play.

And, let me tell you: If and when the smartphone does die, that's when things are going to get really weird for everybody. Not just in terms of individual products but in terms of how we actually live our everyday lives and maybe our humanity itself.

Here's a brief look at the slow, ceaseless march toward the death of the smartphone — and what the post-smartphone world is shaping up to look like.

The short term
People think of the iPhone and the smartphones it inspired as revolutionary devices — small enough to carry everywhere, hefty enough to handle an increasingly large number of daily tasks, and packed full of the right mix of cameras and GPS sensors to make apps like Snapchat and Uber uniquely possible.

But consider the smartphone from another perspective. The desktop PC and the laptop are made up of some combination of a mouse, keyboard, and monitor. The smartphone just took that model, shrank it, and made the input virtual and touch-based.

So take, for example, the Samsung Galaxy S8, unveiled this week. It's gorgeous with an amazing bezel-less screen and some real power under the hood. It's impressive, but it's more refinement than revolution.

Samsung Galaxy S8. Business Insider

Tellingly, though, the Galaxy S8 ships with Bixby, a new virtual assistant that Samsung promises will one day let you control every single feature and app with just your voice. It will also ship with a new version of the Gear VR virtual reality headset, developed in conjunction with Facebook's Oculus.

The next iPhone, too, is said to be shipping with upgrades to the Siri assistant, along with features aimed at bringing augmented reality into the mainstream.

And as devices like the Amazon Echo, the Sony PlayStation VR, and the Apple Watch continue to enjoy limited but substantial success, expect to see a lot more tech companies large and small taking more gambles and making more experiments on the next big wave in computing interfaces.

The medium term
In the medium term, all of these various experimental and first-stage technologies will start to congeal into something familiar but bizarre.

Microsoft, Facebook, Google, and the Google-backed Magic Leap are all working to build standalone augmented-reality headsets, which project detailed 3D images straight into your eyes. Even Apple is rumored to be working on this.

Microsoft's Alex Kipman recently told Business Insider that augmented reality could flat-out replace the smartphone, the TV, and anything else with a screen. There's not much use for a separate device sitting in your pocket or on your entertainment center if all your calls, chats, movies, and games are beamed into your eyes and overlaid on the world around you.

Apple's AirPods keep the Siri virtual assistant in your ears. Hollis Johnson/Business Insider

At the same time, gadgetry like the Amazon Echo or Apple's own AirPods become more and more important in this world. As artificial-intelligence systems like Apple's Siri, Amazon's Alexa, Samsung's Bixby, and Microsoft's Cortana get smarter, there will be a rise not just in talking to computers but in having them talk back.

In other words, computers will hijack your senses, more so than they already do, with your sight and your hearing intermediated by technology. It's a little scary. Think of what Facebook glitches could mean in a world where it doesn't just control what you read on your phone but in what you see in the world around you.

The promise, though, is a world where real life and technology blend more seamlessly. The major tech companies promise that this future means a world of fewer technological distractions and more balance, as the physical and digital world become the same thing. You decide how you feel about that.

The really crazy future
Still, all those decade-plus investments in the future still rely on gadgetry that you have to wear, even if it's only a pair of glasses. Some of the craziest, most forward-looking, most unpredictable advancements go even further — provided you're willing to wait a few extra decades, that is.

This week, we got our first look at Neuralink, a new company cofounded by Musk with a goal of building computers into our brains by way of "neural lace," a very early-stage technology that lays on your brain and bridges it to a computer. It's the next step beyond even that blending of the digital and physical worlds, as human and machine become one.

Assuming the science works — and lots of smart people believe that it will — this is the logical endpoint of the road that smartphones started us on. If smartphones gave us access to information and augmented reality puts that information in front of us when we need it, then putting neural lace in our brains just closes the gap.

Futurist Ray Kurzweil has been predicting our cyborg futures for a long time now. Tech Insider

Musk has said this is because the rise of artificial intelligence — which underpins a lot of the other technologies, including voice assistants and virtual reality — means humans will have to augment themselves just to keep up with the machines. If you're really curious about this idea, futurist Ray Kurzweil is the leading voice on the topic.

The idea of human/machine fusion is a terrifying one, with science-fiction writers, technologists, and philosophers alike having very good cause to ask what even makes us human in the first place. At the same time, the idea is so new that nobody really knows what this world would look like in practice.

So if and when the smartphone dies, it'll actually be the end of an era in more ways than one. It'll be the end of machines that we carry with us passively and the beginning of something that bridges our bodies straight into the ebb and flow of digital information. It's going to get weird.

And yet, lots of technologists already say that smartphones give us superpowers with access to knowledge, wisdom, and abilities beyond anything nature gave us. In some ways, augmenting the human mind would be the ultimate superpower. Then again, maybe I'm just an optimist.

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Ten reasons you should consider buying Bitcoin in 2017

Jodi Edmunds 
In some ways, Bitcoin is just another currency: it has an exchange rate against other currencies, it can be bought, sold and it can be used to pay for things online.

Bitcoin is taking the financial world by storm. Here are ten reasons why you should consider buying Bitcoin.

bitcoin-future-of-money

1. The price
If you look at a graph of the Bitcoin price throughout its entire existence, the overall trend shows that it has only increased.

There are many people who believe the price will go up ten, hundred or even thousand-fold in the next few years.

Nobody can predict the future price, but the momentum, increased transaction rate of people using it, banks and companies investing in and using Bitcoin are all very healthy indicators.

2. Bitcoin is global
Bitcoin knows no borders. It can easily be sent from one Bitcoin wallet to another; across the room or across an ocean.

Since it is sent peer-to-peer, there are no third parties or borders to restrict the transaction. Bitcoin can be bought and sold in local currencies in almost every country in the world.

3. Bitcoin is good for businesses
Transaction fees levied by card processors and transfer fees charged by banks for international transactions can be significantly more expensive than the small fees charged for sending Bitcoin.

For example, merchants pay between 2-6% to accept online credit card payments, with high rates of credit card fraud. These costs are passed down to the consumer.

It costs a fraction of that to process a  Bitcoin payment and the chargeback risk is zero.

4. Bitcoin is fast
It takes one to two days to receive a bank payment from a different bank and up to a week (or more) to receive an international bank transfer.

Bitcoin transactions are instantly sent and are usually confirmed in under 30 minutes, no matter where in the world they were sent to.

5. Bitcoin protects your privacy
Unlike most other payments, to complete a Bitcoin transaction you don’t need to provide any sensitive information (which can easily be stolen or abused).

When you want to receive a payment, simply provide the sender with your Bitcoin wallet address. This address is a receive-only address: you’re free to distribute it (people can only send money to it and pay you, not withdraw from it).

You don’t need to send your full name, your physical address or your credit card number when making Bitcoin payments.

6. Bitcoin is transparent
All Bitcoin transactions that have ever happened are recorded in a ledger known as the Blockchain. This makes Bitcoin a great tool to follow the exact flow of money. This, despite early incorrect press, makes Bitcoin a terrible mechanism for facilitating crime and a great one for legitimate transactions.

Note that a Bitcoin wallet’s balance and payment history are publicly available, but the identity of the wallet owner isn’t.

7. Bitcoin is irreversible
If someone uses a stolen credit card at your store, the owner of the stolen card can simply reverse the charges with their bank (a process known as a chargeback).

Chargebacks and reversals simply aren’t possible with Bitcoin.

8. Bitcoin is decentralised
Bitcoin has no centralised control: no single company, person or government owns or issues it, so there is no potential central point of failure. A distributed network of computers work together to form part of the Bitcoin network.

This means that should one part of the network go offline, for any reason, Bitcoin transactions will continue to be processed and confirmed by the remainder of the working network.

9. Bitcoin can bank the unbanked
There are many people in developing countries without access to bank accounts. Others have bank accounts but can’t make international payments.

There is a possibility that Bitcoin wallets can become easily accessible platforms for people who are currently excluded from the traditional financial world, to store and transfer money.

10. Bitcoin is separate from the global economy
Traditional currencies are printed and controlled by central banks and governments.

Bitcoin is not affected by this in any way, meaning that it is not associated with other national currencies or the stock market. Because of this, it is possible that Bitcoin could benefit from the collapse of the economy.

So, as the traditional economy continues to collapse or remain unstable, Bitcoin becomes a safer place for us to put our money.

It would make sense for anyone worried about the state of the global economy to begin buying Bitcoin.

get-started-with-luno

Global
Avatar Jodi Edmunds
AUTHOR
Jodi Edmunds

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Buy Bitcoin with a credit card (beta)

Werner van Rooyen 
11 JAN 2017 • 3 minute read

At Luno, we focus on helping customers get Bitcoin in the easiest and fastest ways.

Bank transfers are by far the most common funding method supported by Bitcoin providers, including us. Customers make a deposit in their local currency, and then once the funds reflect, they use it to purchase Bitcoin.

This, however, is often a hurdle for new customers to buy Bitcoin: it just takes too much time.

The other hurdle is that we can only accept bank deposits from customers with bank accounts in our supported countries. This excludes many people from getting access to Bitcoin and our products.

We are excited with the slow rolling out of a new feature, still in beta testing mode: buying Bitcoin with a credit card.

We have partnered with Simplex to provide this feature. Simplex’ expertise lie in reducing credit card fraud – a key issue that prevents most Bitcoin trading platforms from accepting payments that way. They have extremely sophisticated tracking and monitoring systems and use tons of data points to identify potential fraud. This was very important to us.

All a customer needs to do is enter their credit card details and the amount of Bitcoin they wish to purchase in USD and in a few minutes, the transaction will be processed.

Please note:

Buying Bitcoin with a credit card on Luno is currently only available in India and most of Europe (Austria, Belgium, Switzerland, Cyprus, Germany, Denmark, Estonia, Spain, Finland, France, United Kingdom, Greece, Ireland, Italy, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia, Ukraine), but will come to more countries around the world soon.
Note that Simplex recently announced that they won't be able to support customers from Canada anymore.
Note that we have seen some credit cards being rejected while going through the process. This is usually due to your bank not approving the payment. In such cases, we would urge you to try another credit card if possible and make sure it is a reputed international credit card.
Customers who purchased Bitcoin with their credit card can safely store, spend or send it elsewhere. Currently, we/Simplex can't support the selling of Bitcoin that was bought with a credit card. We are working on solutions to get customers to sell their card-purchased Bitcoin using Luno. We'll send updates on this as the product evolves.
For step-by-step guidance on buying Bitcoin with your credit card, see our Help Centre article.
SUPPORTED COUNTRIES
Buying Bitcoin with a credit card on Luno is currently only available in Andorra, Argentina, Austria, Australia, Belgium, Bulgaria, Bahrain, Brunei Darussalam, Brazil, Bahama, Switzerland, Chile, Cyprus, Czech Republic, Germany, Denmark, Estonia, Spain, Finland, France, Gibraltar, Greenland, Guadeloupe, Greece, Hong Kong, Croatia, Hungary, Ireland, Isle of Man, India, Iceland, Italy, Japan, Republic of Korea, Kuwait, Liechtenstein, Lithuania, Latvia, Luxembourg, Republic of Moldova, Montenegro, Martinique, Malta, New Caledonia, Netherlands, Norway, New Zealand, Peru, French Polynesia, Poland, Puerto Rico, Portugal, Qatar, Reunion, Romania, Serbia, Saudi Arabia, Sweden, Slovenia, Slovakia, San Marino, Sint Maarten, Turkey, Taiwan, and the United Kingdom.

For Luno, this is a big step towards reaching our end goal: making Bitcoin easily accessible to everyone, everywhere.

You can expect to hear more updates and features like this in the near future.

Global
Avatar Werner van Rooyen
AUTHOR
Werner van Rooyen

Werner heads up Business Development and Growth at Luno. His passions include payments, e-commerce, technology, marketing and design: something that he has been fortunate enough to do on three different continents. Werner has lived and worked in South Africa, the United States, Indonesia, Taiwan and China.

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Buying a Home This Spring Will Be Hardest in Years

With tight inventory and rising prices and mortgage rates, this season will be the toughest for buyers in a decade
Minneapolis is one metro area seeing a scarce supply of homes for sale and rising prices. Above a Minneapolis agent at a showing with a potential buyer.
Minneapolis is one metro area seeing a scarce supply of homes for sale and rising prices. Above a Minneapolis agent at a showing with a potential buyer. PHOTO: JEFF WHEELER/MINNEAPOLIS STAR TRIBUNE/ZUMA PRESS
Robin Manthie and her husband have been looking for their first home in Minneapolis since last May. They thought this spring would bring a flood of inventory, making their search easier. But by most measures it is getting tougher.

The inventory of homes for sale in Minneapolis dropped by about 25% in February compared with a year earlier, while the median sale price rose by 7.6% to $223,000, according to the Minneapolis Area Association of Realtors. That’s on par with the national median home price of $228,400. The average number of days homes in the area are spending on the market is at a 10-year low of 81 days so far this year.

Ms. Manthie, a 33-year-old consultant, is 41 weeks pregnant, but she and her husband are still trudging to open houses most weekends in search of a four-bedroom home in the $700,000 range—up from $400,000 when they started.

“It’s shocking. The house [two doors down from] my mother-in-law went in three hours,” she said.

This year’s spring selling season promises to be the toughest for buyers in a decade, economists said, as rising prices and mortgage rates combine with inventory near 20-year lows.

“We think that 2017 will be the fastest market” since the peak of the last housing boom in 2006, said Nela Richardson, chief economist at Redfin. So far this year, homes are selling an average of eight days faster than last year.

It isn’t just hot spots like Seattle and Denver that are seeing scarce supplies of homes for sale but also sleepier locales like Minneapolis, Cleveland, Nashville, Tenn., Tampa, Fla., and Louisville, Ky.

These markets typically are enjoying strong job growth with young first-time buyers out looking for homes, but also declining inventories, according to Svenja Gudell, chief economist at Zillow.

Economists had predicted the inventory crunch would ease this year, as several years of solid price gains induced more sellers to put homes on the market and spurred home builders to break ground on more new homes.

Instead, inventory has gotten tighter as demand has increased rapidly and the pickup in construction has lagged behind. Sellers also have become hesitant to put their homes on the market because rising prices and mortgage rates have made it more expensive to trade up.

In December, the number of homes for sale hit the lowest level since the National Association of Realtors began tracking such data in 1999. It has ticked up slightly since, but inventory in February remained 6.4% below a year earlier and about 30% below the long-term average.

What’s more, there is a growing mismatch between an abundance of high-price inventory on the market and increasing demand for starter homes. In Minneapolis, 32% of online searches are for starter homes but 21% of the inventory is in the appropriate price range, according to real-estate tracker Trulia. There is a relative glut of luxury homes, which account for 40% of searches but 58% of the inventory.

Single-family housing starts rose to a 10-year high in February but remain about a third below the 50-year average.

The lack of inventory is pushing up home prices, which grew at the fastest rate since mid-2014 in January, climbing 5.9% compared with a year earlier, according to the S&P CoreLogic Case-Shiller Indices.

Adding to affordability challenges for buyers, mortgage rates have risen to 4.14% from about 3.5% in November, according to mortgage-company Freddie Mac.

Economists expect strong price growth and soft sales this year because there isn’t enough supply to meet demand. Freddie Mac predicts home sales will decline slightly this year to 5.9 million from 6 million from last year.

“Looking at 2017, we feel pretty good about housing but we don’t think we’re going to match [last year’s] volume,” said Len Kiefer, deputy chief economist at Freddie Mac. “The main reason for that is this tight inventory and that, when many buyers come to the market in the spring, affordability is going to be a real challenge.”

Unlike boom-bust markets such as Las Vegas, Miami and parts of coastal California, Minneapolis has typically been a fairly stable housing market. Investors are fairly rare and the area has long been an affordable place for young families to buy homes.

Home prices have risen 55% since the market bottom in 2012 and hit a new high in 2016, according to the local Realtors association.

Chris Prescott, an agent at Redfin, said he has seen examples of sellers receiving 25 offers, including cash buyers bidding significantly over the listing price.

“I don’t know where these cash buyers are coming from,” he said. “We have not seen a market like this in the Twin Cities in a very long time.”

Katey Bean, a Realtor for Keller Williams Realty in Minneapolis, recently held an open house for a three-bedroom bungalow priced at $265,000 and counted at least 80 attendees.

“You can see in their face, they just look distraught,” she said of the would-be buyers. “You just almost want to hug them.”

Corrections & Amplifications 
Buying a home this spring will be the hardest in years. The headline on an earlier version of this article incorrectly stated it would be the hardest ever. (April 2)

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Tiny Device Allows You To Track Your Vehicle Using Your Smartphone

 

This is The Most Affordable Solution to Find Your Lost Items!

Have you ever lost your car on a parking lot? It happens. You park and go shopping. When you get back, you don't have a clue where your car is. Then you start roaming around clicking on the panic button on your car keys so the alarm goes off. It can be frustrating, especially on a hot, sunny day.

No, you don't need to install an expensive GPS system to keep track of your car. That's way too expensive. You would need to pay a monthly subscription fee just to use it. Don't we have enough bills to pay already?

But is there a way to track your vehicle without spending a fortune? Yes, now there is!

A California-based startup company was able to make this a reality. They created a tiny device that works with your smartphone, and it could be exactly what you're looking for!

What is it?

It's called TrackR. It is a state-of-the-art tracking device the size of a quarter. It's changing the way we keep track of the important things in our lives.

How Does it Work?

It's easy! Install the free TrackR app on your smartphone, connect the app to your device and you're ready to go! Simply attach TrackR to whatever you want to keep tabs on. The entire process of setting it up only takes 5 minutes or less.

You can attach it to your keys, briefcase, wallet, your latest tech gadgets and anything else you don't want to lose. Then use the TrackR app to locate your missing item in seconds.

"This device has saved me tons of time and money!"

Forget expensive GPS systems or tracking services. Nobody wants to pay expensive monthly subscription fees. We understand how stressful these things can be, and this is the reason why TrackR was created. This device is your VIP when you need to take care of more important things in life.

Remember the car scenario above? If you have the TrackR, you can just hide it under your car's floor mat, in the trunk or in the glove compartment. Somewhere it won't be found if your car gets stolen.

If you forget where you parked your car, whip out your smartphone and open the TrackR app. Tap on the "lost item" icon on the screen and the app will tell you the exact coordinates of the last known location of the TrackR.

How Much is it Going To Cost Me?

You're probably thinking that this device is very expensive… False! TrackR only costs $29! That's a small price to pay for peace of mind, isn't it?

NOTE: As a special promotion, the company is now offering an incredible "Buy 4 – Get 4 FREE" deal to all new customers.
What else can I do with TrackR?

As we said before, TrackR has unlimited possibilities. The device is small and unobtrusive enough that you can attach it to your pet. Put it on their collar, and the issue of searching for them as they scamper off to nearby places will be over! Attach it to your keys and wallet, and never waste a minute rummaging the whole house for it.

TrackR even comes with a double-sided adhesive so you can stick it to your laptop or under your bike seat. Track down and punish the thieves who steal your expensive things!

Attach it To Everything That's Important To You…

Now that you've been informed about this brilliant invention, let me show you how easy it is to track your valuable items. All you need to do is to follow these 3 steps:

Step 1: Order TrackR today to take advantage of the 50% OFF sale.
Step 2: When you receive it, open the package and place the thin battery inside the device. Then download the free TrackR app on your smartphone and link up the unit with the app. Finally, hide TrackR in your car or attach it to the item you wish to track.
Step 3: Relax… Use the TrackR app to find your things. It's easy!
Here's a tip: TrackR is a great gift idea because there's no monthly fee involved!
"Remember, they have an amazing sale going on right now.

This way you and your loved ones can keep track of everything. Keys, car, wallet, bike, toys, pets and even electronics such as a laptop, iPad or Kindle!

 https://www.thetrackr.com/?ref_code=3ffKi

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36 Startup metrics every SaaS founder should follow up with

Bhavik Limbani in Lifestyle, IT – Information Technology, Entrepreneurs
Mobile Apps Developer • 
36 Startup metrics every SaaS founder should follow up with

Entrepreneurship is always referred to a roller-coaster ride and the fact doesn’t come without valid reasons. When you are starting up, you don’t just start with an idea where you are creating a product or service, but you are striving to create a sustainable business and there’s much more to it. You have got to evaluate the market, raise enough money, think about growth and profitability,  and most importantly gauge your own personal growth. Until and unless you are authentic about your own conviction and see it clearly coming up along the way (no matter how small it is), you might be spending a lot of useless time working hard on vague goals. It is important to track some key metrics to turn  your startup into a profitable business. These 36 startup metrics will not just help you keep a keen eye on your business but also give you a clarity of vision of the journey ahead.

Monthly Recurring Revenue (MRR)
MRR is the total revenue that your business gets from paid customers on monthly basis. It is probably the most important metric for startups which are based on subscription model. If you get a customer on board, then prices are charged on a regular basis. You should track your MRR  and always strive for it's uplift. 

Annual Recurring Revenue (ARR)
Recurring means there’s a subscription in place and customer is charged on a recurring basis rather than on one time basis. This is calculated simply by multiplying the monthly recurring value by 12. 

Note: Calculation of ARR excludes any one-time fee or upfront cost you charge from the customer during onboarding. 

Average Revenue per Account (ARPA)
It refers to the revenue that your business earns from each account typically over a month or a year. It can also be thought of as revenue earned per customer but you should remember that a customer can have more than one account. It analyses a company's revenue generation and growth at the per-unit level and thus help investors to identify which products are high or low revenue-generators. This can immensely help your business to make decisions on rolling out of future products.

Gross Profit
Gross profit is the difference between the total revenue and the costs of goods you sell. Gross profit is the profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services.

Total Contract Value
It is the projection of your booking value and helps you at times when you are planning your revenue or tracking the growth of your startup. It involves all the one-time and recurring charges and professional service fees but doesn't include usage charges.

Annual Contact Value (ACV)
ACV  measures the value of a contract over a 12-month period. So let’s say a customer commits to a 24-month contract of $160,000. Considering this money will be recognized as revenue ratably, you will have $80,000 as your ACV.

Lifetime Value (LV)
It is how much you expect to earn from a particular customer during the time they are involved with your business. For the profitability of your business, it is important that the CAC is always less than the LV. If CAC is far greater that LV, your business will require significant amount of capital to grow and run and that is no way desirable.

Deferred Revenue
Deferred revenue, or unearned revenue, refers to advance payments for products or services that are to be delivered in the future. It is considered as a liability for a business as it refers to revenue that’s not being earned and is still owed to a customer.

Billings
It is the total of current quarter revenue and he total of deferred revenue from the previous quarter.

Customer Acquisition Cost (CAC)
A startup's growth entirely depends on customer acquisition and of course, there's a significant amount of cost involved which you can't afford to neglect. It helps you to evaluate the efficiency of your sales process. If the metrics is not improving over time, you will quickly understand that there's a need to make few tweaks at steps to reduce cost and increase the number of customers involved with your startup.

Customer Concentration Risk
Any founder should be aware of the customer concentration risk especially if their business is dependent on top clients. It is the ratio between the size of the business’s top customers and the total revenue of the business. You may have a customer concentration risk if one or more of your customer’s total revenue for the year represents 8% or more of all your customers’ revenue for the same year.

Daily Active Users
Daily Active Users are the number of users who are active on your platform per day. This doesn’t include one-time users. 

Monthly Active Users
Monthly Active Users are the number of users who are active on your platform per month. This doesn’t include one-time users. This helps you understand how useful your product/service is and it is important in this case to take reviews from existing users for improvement.

Number of logins
As the name suggests, it is the number of users logging in to the account to use or view the product or service.

Activation Rate
It measures of the number of converts that your startup gets, i.e., how many prospects started using your product/service on a regular basis. It can be estimated when a user takes some kind of action like a sign up or a download. This is especially true for SaaS based products which generally work on a freemium model.

Month-on-Month Growth (MOM)
This is the average of monthly growth rate of your startup. Although investors like to see the compounded month-on-month growth as it helps to understand the periodic growth of your startup.

Compounded Monthly Growth Rate (CMGR)
It measures the return of an investment over a certain period of time. It takes three coefficients into consideration – investment’s beginning value, ending value and the time period. It is calculated simply by using the formula – {(ending value/beginning value) ^ Number of months} – 1

Monthly Churn Rate
Churn Rate is the measure of the percentage of subscribers who discontinue with their subscriptions within a given time period. Monthly Churn Rate tells you the total number of customers that you have lost in a particular month.

Retention by Cohort
One way to know if customers love your product is through Retention by Cohort. It is calculated as the percentage of original installed base i.e., in the first month, who are still engaging with your business.

Gross Churn Rate
It is the measure of the monthly recurring revenue that you lose in a month when subscribers or customers discontinue with your service.

Net Churn
It is calculated as – (MRR lost – MRR from upsells)this month/MRR at the beginning of the month. It is an important metrics to understand how well you resonate with your customers. It should descend over time and if it doesn't, it's time to first figure out the reasons.

Monthly Cash Burn Rate
It is the money that goes out of the door every month. This is one of the most complicated factors that many startups fail to understand and hence fail. To be successful, you are ought to keep a check on it.

Net Burn Rate
It is the difference between revenues and gross burn. This helps you determine how long you can survive, how close you are to break even and when and how you can start generating profits.

Gross Burn
It is a measure of all the cash outlays and monthly expenses that your startup incurs. If you are a startup with not much cash in hand, this is one of the most important factors that you should be concerned about.

Total Addressable Market (TAM)
It helps to measure the revenue opportunity available for a particular product or a service. If you are thinking to startup, don’t miss out on this criterion as this will help you to get an idea of your future prospects.

Annual Run Rate
Run Rate refers to the financial performance of your company based on current projections which acts as a predictor of future performance. It often says that the current condition may continue. It is extremely helpful in understanding how likely you are to hit your forecasts and capture latest market trends. It also helps to measure the performance of segments that are running within your startup for shorter periods of time.

Gross Margin
Gross margins are a measure of your operating profitability which gives the difference between revenue and cost of goods sold. Gross margin is an important metrics to understand at what stage of the curve your business is in and also shows you how effective your management and team are at driving the business. It also helps you to know how much money from sales is left over which you can invest in operating expenses.

Sell-Through Rate
Sell through rate = Number of units sold in a period/ Number of items at the beginning of the period

The calculation of the period (usually one month) is useful when comparing the sale of a product against another, or when comparing the sell through of a specific product from one month to another.

Network Effects
It is a phenomenon where a service or product gains value when more people start using it. It tells you how well you are capturing the market and how well off you are compared to your competitors.

Virality
Viral coefficient measures the organic growth of your startup. A startup usually gets started by referring to friends and family. If they like the product, the word spreads out and your customer base increases. Other prominent ways are through social media, email invitations and so on. One way to improve viral coefficient is by building incentives into your product which urges an existing user to share their experience leading to more traffic.

It is calculated as: 

Viral coefficient = Average number of invitations sent existing user x conversion rate of invitation

Net Promoter Score
It is defined as a tool which gives you an idea of how likely your customer is to recommend your product/service to a friend. It is an important metric to understand customer’s expectations and satisfaction.

Platform Risk
If you are too much dependent on a specific platform through which you promote or sell your idea/product, it may become a risk in the long run. It is important to take care of diversity so that you don’t just reach a wider customer base but also mitigate risk.

Direct Traffic
Direct traffic is the number of visits that your site gets directly and not through any intermediary. Example: Social media or some other website. Although there is no foolproof way to measure direct traffic, you can get a fair idea by looking at the traffic of landing pages.

Organic Traffic
Organic traffic is the traffic that comes to your website as a result of unpaid search results, your network effect, brand awareness, website's SEO and insightful contents for your target customers, As a founder, your aim should be  improving your SEO by setting practical goals and sharp content strategy.

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