#Fiat 130 Familiare

[diabolus1exmachina]

Fiat Panda 4x4 

The small Italian utility vehicle premiered in 1985 the connectable all-wheel drive, developed by the specialist Steyr Puch, coinciding with the slight restyling that the entire range received. Its extraordinary lightness and generous ground clearance largely compensated for the low power and torque of its engine to make the Panda 4x4 capable of moving with a ease that is hardly imaginable on the most difficult terrain. 

Those early Panda 4x4s with their modest 965 cubic centimeter four-cylinder engine, especially the units built in 1985 and 1986, have now become the car of choice in the most exclusive ski resorts in the Alps, such as St. Mortiz or Courchevel. This has skyrocketed their price and has made them the target of classic vehicle restorers who until now only dedicated themselves to the most renowned sports cars. 

This model is called PandAgnelli and is a restomod created by GulfBlue Automobili. Its metallic gray color and its name pay homage to the Fiat 130 Familiare that Gianni Agnelli used to drive, the mythical patriarch of the family that owned Fiat for decades. This PandAgnelli was commissioned by an American customer and 'extra' equipment includes bar-protected yellow fog lights, Cromodora alloy wheels, wood-finished sides, a rattan roof rack and eye-catching grass green wool interior trim.

[gepetordi1]

Fiat 130 Familiare 1971

[carsthatnevermadeitetc]

Fiat 130 Familiare, 1971. The 130 was powered by a 3.2 litre version of the Ferrari-built 65° Dino V6. In addition to the one-off special Familiare "Villa d'Este"  that was built for the Agnelli family, Fiat built 3 further 130 station wagons to special order

[teilix]

[Ad/Werbung] 1972 Fiat 130 Familiare at the Bremen Classic Motorshow. First owner: Dr. Umberto Agnelli, brother of Gianni Agnelli. Designed by Fiats Centro Stile, Officine Introzzi in Lipomo built just 3 or 4 units for the Agnelli family. Gianni owned one as well. The engine is the 3.2L V6. One of the rarest Fiats ever. #FiatFriday -> #teilixfiat <- #Fiat130 #Fiat130Familiare #Agnelli #Fiat #instafiat #classicfiat #fiatclassic #vintagefiat #italiancar #italiancars #autodepoca #retrocar #vintagecar #classiccar #classiccars #oldtimer #stationwagon #carspotter #classiccarspotting #classiccaroftheday #classiccarsdaily #classicsdaily #petrolicious #CarPhotography #automotivephotography #rarecar #BremenClassicMotorshow (hier: Bremen Classic Motorshow) https://www.instagram.com/p/BtVOuhanmk5/?utm_source=ig_tumblr_share&igshid=62dp3ofxpt33

[chelsyolivia]

FiPi — The Best Crypto Application

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Roadmap Q3 2021 Creation of the FiPi Token BSC concept Legal analysis of planned implementations TechRate FiPi Token audit Creating a team to implement the project Creating a beta version of FiPi Token Q4 2021 Agressive marketing campaing Creating promo video Competition for the Christmas NFT Whitelist for Private Sale Q1 2022 Certik audit Public Sale Coinmarketcap & Coingecko Listing Close alpha version application tests Open beta version application tests Private Sale Global expansion PancakeSwap Listing Creating an alpha version of the application Implementation of crypto indexes created by a licensed German entity Q2 2022 Close beta version application tests CEX listing Commercial start of the application Open an affiliate program Application launch Adding G-Pay and Apple Pay Submitting an application for listing on tier 1 Implementation of the AML / KYC policy Q3 2022 Obtaining a PSD2 license for the intermediation of FIAT payments in the application Q4 2022 Establishing cooperation with VISA and MasterCard Q1 2023 Create a universal crypto wallet

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Author: Bitcointalk Username: chelsyolivia Bitcointalk profile: https://bitcointalk.org/index.php?action=profile;u=3445652 Bsc address: 0xe159dFA19a014382e6fe61660e74bDf6f3419087

[newstfionline]

Saturday, January 30, 2021

US jobless claims drop; still at 847,000 as pandemic rages (AP) The number of Americans applying for unemployment benefits fell but remained at a historically high 847,000 last week, a sign that layoffs keep coming as the coronavirus pandemic continues to rage. Last week’s claims dropped by 67,000, from 914,000 the week before, the Labor Department said Thursday. Before the virus hit the United States hard last March, weekly applications for jobless aid had never topped 700,000. Overall, nearly 4.8 million Americans received traditional state unemployment benefits the week of Jan. 16. That is down from nearly 5 million the week before and far below a staggering peak of nearly 25 million in May when the virus brought economic activity to a near halt. There is optimism that COVID-19 vaccines will end the health crisis and help stabilize the economy, but that effort is moving forward haltingly and right now, the job market is stressed. Since February, the United States has lost 9.8 million jobs, including 140,000 in December.

Biden faces scrutiny over reliance on executive orders (AP) President Joe Biden and aides are showing touches of prickliness over growing scrutiny of his heavy reliance on executive orders in his first days in office. The president in just over a week has already signed more than three dozen executive orders and directives aimed at addressing the coronavirus pandemic as well as a gamut of other issues including environmental regulations, immigration policies and racial justice. Biden has also sought to use the orders to erase foundational policy initiatives by former President Donald Trump, such as halting construction of the U.S.-Mexico border wall and reversing a Trump-era Pentagon policy that largely barred transgender people from serving in the military. Senate Republican leader Mitch McConnell said Thursday that Biden’s early reliance on executive action is at odds with the Democrat’s pledge as a candidate to be a consensus builder. Biden on Thursday framed his latest executive actions as an effort to “undo the damage Trump has done” by fiat rather than “initiating any new law.” Earlier in the day, White House communications director Kate Bedingfield bristled at the criticism of Biden’s executive orders in a series of tweets, adding, “Of course we are also pursuing our agenda through legislation. It’s why we are working so hard to get the American Rescue Plan passed, for starters.”

Christianity on display at Capitol riot sparks new debate (AP) The Christian imagery and rhetoric on view during this month’s Capitol insurrection are sparking renewed debate about the societal effects of melding Christian faith with an exclusionary breed of nationalism. The rioters who breached the Capitol on Jan. 6, leading to federal charges against more than 130 people so far, included several people carrying signs with Christian messages, and video showed one man in a fur hat and horns leading others in a prayer inside the Senate chamber. The rise of what’s often called Christian nationalism has long prompted pushback from leaders in multiple denominations, but in the immediate wake of the insurrection, other Christian leaders spoke out to denounce what they saw as the misuse of their faith to justify a violent attack on a seat of government. Russell Moore, president of the public policy arm of the Southern Baptist Convention, said that when he saw a “Jesus Saves” sign displayed near a gallows built by rioters, “I was enraged ... This is presenting a picture of the gospel of Jesus Christ that isn’t the gospel and is instead its exact reverse.” The Rev. Walter Kim, president of the National Association of Evangelicals, cited the corrosive effects of “a convergence of a nationalist identity and a Christian identity.” “Certainly I love our country, and as the son of immigrant parents I am deeply grateful for the hope this nation represents,” Kim said. “But as a Christian, my highest allegiance is to Christ.” Yet some supporters of former President Donald Trump say that denunciations of Christian nationalism are a way of attacking them politically. Former Rep. Allen West, now chairman of the Texas GOP, said on a Tuesday panel with several other religious conservatives sponsored by the group My Faith Votes that the term is used against those who “don’t conform to a progressive, socialist ideological agenda.”

Bernie Sanders’ mittens, memes help raise $1.8M for charity (AP) About those wooly mittens that U.S. Sen. Bernie Sanders wore to the presidential inauguration, sparking endless quirky memes across social media? They’ve helped to raise $1.8 million in the last five days for charitable organizations in Sanders’ home state of Vermont, the independent senator announced Wednesday. The sum comes from the sale of merchandise with the Jan. 20 image of him sitting with his arms and legs crossed, clad in his brown parka and recycled wool mittens. Sanders put the first of the so-called “Chairman Sanders” merchandise, including T-shirts, sweatshirts and stickers, on his campaign website Thursday night and the first run sold out in less than 30 minutes, he said. More merchandise was added over the weekend and sold out by Monday morning, he said. “Jane and I were amazed by all the creativity shown by so many people over the last week, and we’re glad we can use my internet fame to help Vermonters in need,” Sanders said in a written statement.

No Justice, No Peace (Foreign Policy) While headlines may be zeroing in on the latest COVID-19 variants to arise in Latin America, another story—with ramifications for peace and justice in the whole region—took a key step forward this week. After an investigation spanning more than two years, Colombia’s transitional justice court charged eight former guerrilla commanders for crimes they committed during the pre-2016 civil conflict, including kidnapping, homicide, forced disappearance, and sexual violence. Two of the defendants are sitting senators, positions they were granted as part of the peace deal. Under that 2016 agreement, Revolutionary Armed Forces of Colombia (FARC) rebels agreed to demobilize and undergo investigation in exchange for concessions such as reduced criminal sentences, physical protection, and seats in Congress. That first concession is what is in play now. The ex-commanders can either recognize the crimes and take a five-to-eight-year sentence or face longer sentences of up to 20 years. The defendants’ and other political actors’ responses to these charges—part of the first of seven umbrella cases at the war crimes tribunal—will constitute a temperature check on Colombia’s fragile peace process.

UK PM Johnson ‘immensely proud’ as visa offer for Hong Kong citizens launches (Reuters) Prime Minister Boris Johnson on Friday hailed a new visa scheme that offers qualifying Hong Kong citizens a route to British citizenship—a programme launched in response to China’s new security laws in the former colony. The scheme, first announced last year, opens on Sunday and allows those with “British National (Overseas)” status to live, study and work in Britain for five years and eventually apply for citizenship. Britain says it is fulfilling a historic and moral commitment to the people of Hong Kong, after accusing China of breaching the terms of a 1997 handover by introducing security laws that London says are being used to silence dissent. The 250 pound ($340) visa could attract over 300,000 people and their dependents to Britain and generate up to 2.9 billion pounds net benefit to the British economy over the next five years, according to government forecasts. It is still highly uncertain how many people will actually take up the offer. Government estimates show that 2.9 million and a further 2.3 million dependents will be eligible to come to Britain.

Macron weighs up a third lockdown despite signs the French ‘can’t take it anymore’ (AFP) Amid risks of a push back from a population wearied by successive restrictions, the French government is mulling tougher anti-Covid curbs—including a third lockdown—after conceding a nightly curfew was failing to suppress the spread of the virus. When it comes to deciding on new measures to combat the coronavirus pandemic, French President Emmanuel Macron and his government are walking a tightrope. Should another nationwide lockdown—the third in less than 12 months—be quickly imposed on the French, as scientists are advocating? Or should the government wait a few more weeks, or even opt for a less strict approach, so as not to alienate part of the population? It is a decision that has left the state’s leaders in a quandary. The French, like so much of the rest of the world, are increasingly succumbing to a generalised state of weariness after nearly a year of living under Covid-19 restrictions. Frustration and fatigue have set in after almost a year in which ordinary lives have been upended. Recent events in the Netherlands, where a protest movement and riots took place after the announcement of a Covid-19 curfew last weekend, would not have escaped Macron’s attention. The police arrested 250 people on Sunday evening and another 70 on Monday. Prime Minister Mark Rutte called the riots “the worst in 40 years”, in a country that has not seen a curfew since the Second World War. At the same time in France, the hashtag “#JeNeMeReconfineraiPas” (#I will not go back into lockdown) appeared on Twitter, where it went viral with more than 40,000 shares. Some of the posts even invited civil disobedience.

Italian grandmother finds treasure at home thanks to confinement (Worldcrunch) The story began grimly, with an all too familiar ring: Another Italian grandmother had tested positive for COVID-19. At the age of 98, Nonna Maria was at particularly high risk in one of countries hit hardest by the pandemic—and though she had only developed light symptoms, doctors told her to remain at home in “maximum isolation.” But it was while in quarantine last November, that this COVID story would take a very different twist: the Nonna (“grandmother”) found a fortune hidden in her apartment in eastern Rome, Italian daily Corriere della Sera reports. Without much else to do in lockdown, Maria had set out to organize her memorabilia and tidy up her apartment. It was in the hidden compartment of an old sewing machine that she found a 1986 government bond that she had completely forgotten about. Her late husband, a former army official, had decided to put his savings into an Italian Post bond originally worth 50 million Italian lira (26,000 euros), before hiding it there to protect it from burglars. An ongoing legal investigation will confirm the bond’s present value. The Italian Post has already offered 200,000 euros, although some have questioned the math and say she could be due as much as half a million, or about 19 times the amount of the initial investment. And the best bit of good fortune: Nonna Maria had fully recovered from COVID-19.

In Afghanistan, Follow the White High-Tops and You’ll Find the Taliban (NYT) The unassuming white leather high-top sneakers with green-and-yellow trim are a best seller for a roughly half-dozen shoe vendors in a sprawling bazaar in the northern city of Mazar-i-Sharif. But they are not in demand because they’re the latest fashion trend. For many Afghans, the sneakers evoke only one emotion: fear. That’s because they’re beloved by Taliban fighters as a status symbol. In Afghanistan they’ve been worn by rifle-wielding insurgents for decades—from the Soviet-Afghan war in the 1980s to the U.S.-led war that began in 2001. The sneakers have become synonymous with violence, and especially so on the feet of the Taliban. Even in the heart of Afghanistan’s most populated cities, including the capital of Kabul, the shoes evoke a certain sense of dread. “I have seen these shoes worn by the Taliban many times,” Said Mar Jan, a resident of Khost city in Afghanistan’s mountainous east, said. Government militia members, some security forces, criminals and people in rural areas also buy and wear them.

Wake-up call for elite as COVID-19 floods Zimbabwe’s hospitals, killing rich and poor (Reuters) When Zimbabwe’s rich and powerful get sick, they often go abroad in search of the best treatment money can buy; ousted President Robert Mugabe died in a hospital in Singapore in 2019. With travel curtailed by the coronavirus, that luxury is not available, exposing the elite to a truth the majority has long known: Zimbabwe’s health system has been crumbling for years and is now struggling to cope with a spike in COVID-19 cases. Anger among overwhelmed medics is adding to broader public dissatisfaction with President Emmerson Mnangagwa, who pledged an economic revival after he took over from Mugabe following a coup in 2017. “It’s a rude awakening to the government and to the politicians,” said Norman Matara, secretary-general of the Zimbabwe Association of Doctors for Human Rights. “If you have decades of continuously destroying your public health system, and then now you have a pandemic, you cannot then overturn that decay ... in one year or in six months.”

Bison rangers (Foreign Policy) As U.K. conservationists plan to introduce European bison to the county of Kent, they are seeking Britain’s first-ever bison rangers. Wild bison—Europe’s largest land mammals—haven’t resided in Kent for millennia. Moved from the Netherlands, Romania, and Poland, the animals will help manage the Kent woodlands. Stan Smith, who works for the Kent Wildlife Trust, told Reuters that while the ideal applicant for the job should be accustomed to animal behavior, they were not expected to have experience with bison, “because you can’t until now.”

[samraclaus]

Do them all you know you want to

Woah you got me 😵 “200 things you can put in my ask 
200: My crush’s name is: I can’t believe how nosy you are but I’m saying Ezra Miller for this cause you know, I’m not lying 
199: I was born in: Bosnia!!
198: I am really: weird
197: My cellphone company is: T-Mobile 🙄
196: My eye color is: brown
195: My shoe size is: 8-9
194: My ring size is: uhhh it probably like 6 or a little less??
193: My height is: about 5'6
192: I am allergic to: grass :(
191: My 1st car was: no car yet 
190: My 1st job was: chuckecheese :))
189: Last book you read: cellist of Sarajevo 
188: My bed is: comfy as heck 
187: My pet: my best friend
186: My best friend: is beautiful!!
185: My favorite shampoo is: probably Pantene 
184: Xbox or ps3: PS3??
183: Piggy banks are: cute
182: In my pockets: I’m wearing boxer briefs rn lmao 
181: On my calendar: guineas 
180: Marriage is: pretty cool 
179: Spongebob can: always cheer me up 
178: My mom: is amazing I love her 
177: The last three songs I bought were? I never buy songs lol 
176: Last YouTube video watched: uhhhh probably a makeup tutorial 
175: How many cousins do you have? One first cousin so that’s all I count 
174: Do you have any siblings? Just one!! Nanners :B
173: Are your parents divorced? Nooooo
172: Are you taller than your mom? She’s a tiny bit taller 
171: Do you play an instrument? I’ve played the piano, the violin, and the cello lmao 
170: What did you do yesterday? Hmmm I was very sad and didn’t do anything 
[ I Believe In ]
169: Love at first sight: not for me, I need to get to know someone but maybe for others!
168: Luck: kinda 
167: Fate: maybe 
166: Yourself: no lol 
165: Aliens: YES
164: Heaven: Its a nice thought but probably too good to be true 
163: Hell: I hope it’s not real 
162: God: eh depends. I only use god when I really need him. Which is bad I know 
161: Horoscopes: yes sadly lmao 
160: Soul mates: yeah! Platonic and romantic 
159: Ghosts: yes
158: Gay Marriage: YES!!
157: War: I hate war 
156: Orbs: yeah 
155: Magic: eh 
[ This or That ]
154: Hugs or Kisses: hugs
153: Drunk or High: high 
152: Phone or Online: phone 
151: Red heads or Black haired: black haired!!!
150: Blondes or Brunettes: brunettes 
149: Hot or cold: depends. I like in the middle tbh 
148: Summer or winter: in the middle usually 
147: Autumn or Spring: ugh hard question. Probably autumn 
146: Chocolate or vanilla: chocolate
145: Night or Day: night 
144: Oranges or Apples: oranges 
143: Curly or Straight hair: curly 
142: McDonalds or Burger King: McDonald’s 
141: White Chocolate or Milk Chocolate: white!!
140: Mac or PC: mac
139: Flip flops or high heals: neither but high heels I guess
138: Ugly and rich OR sweet and poor: sweet and poor 
137: Coke or Pepsi: Pepsi
136: Hillary or Obama: Obama!!
135: Burried or cremated: I’m afraid of both tbh
134: Singing or Dancing: singing
133: Coach or Chanel: Chanel 
132: Kat McPhee or Taylor Hicks: Taylor hicks?? 
131: Small town or Big city: small town 
130: Wal-Mart or Target: target 
129: Ben Stiller or Adam Sandler: uhhh Ben stiller definitely 
128: Manicure or Pedicure: manicure I hate feet 
127: East Coast or West Coast: east 
126: Your Birthday or Christmas: I don’t celebrate Christmas so I guess my birthday 
125: Chocolate or Flowers: chocolate definitely 
124: Disney or Six Flags: Disney 
123: Yankees or Red Sox: I don’t care for either 
[ Here’s What I Think About ]
122: War: awful 
121: George Bush: bye 
120: Gay Marriage: GREAT 
119: The presidential election: frustrating 
118: Abortion: your body your choice!!
117: MySpace: never had one but such a meme now
116: Reality TV: sadly entertaining 
115: Parents: love them 
114: Back stabbers: bye 
113: Ebay: nice 
112: Facebook: only occasionally entertaining. Good for looking at memories 
111: Work: miss having a job 
110: My Neighbors: weird 
109: Gas Prices: okay for now 
108: Designer Clothes: too expensive 
107: College: also too expensive and scary 
106: Sports: only like soccer and like badminton lmao 
105: My family: great 
104: The future: probably awful 
[ Last time I ]
103: Hugged someone: tonight when I hugged my mom cause we cried 
102: Last time you ate: around 7
101: Saw someone I haven’t seen in awhile: tonight at the cafe. It was some random Bosnian man but still 
100: Cried in front of someone: tonight 
99: Went to a movie theater: wow it’s been a while I don’t remember 
98: Took a vacation: very long time ago but probably gatlinburg a couple summers ago 
97: Swam in a pool: a few month ago 
96: Changed a diaper: never 
95: Got my nails done: never 
94: Went to a wedding: I was 6 and it was my aunts wedding 
93: Broke a bone: I was probably like 8-9. I broke my arm riding my razor scooter 
92: Got a peircing: a long time ago. Only my ears 
91: Broke the law: only a few days ago 
90: Texted: half an hour ago 
[ MISC ]
89: Who makes you laugh the most: Nichole or my dad 
88: Something I will really miss when I leave home is: the comfort/familiarity of being around my family and my room 
87: The last movie I saw: uhhhh I can’t remember tbh 
86: The thing that I’m looking forward to the most: moving in a few days!! 
85: The thing im not looking forward to: going back to college 
84: People call me: samronis
83: The most difficult thing to do is: get up and do anything lmao 
82: I have gotten a speeding ticket: never 
81: My zodiac sign is: taurus
80: The first person i talked to today was: sultana
79: First time you had a crush: I was at a friend’s birthday party. I was probably like 6 but I didn’t even know his name and he was a little older than me and wearing all black so I thought he was the coolest person ever. We played tag and I remember looking up at him cause he was at the top of the stairs. I still wonder who he was.
78: The one person who i can’t hide things from: I can hide things from everyone 
77: Last time someone said something you were thinking: yesterday when erin and I said the exact same thing at the same time lmao 
76: Right now I am talking to: nobody 
75: What are you going to do when you grow up: I guess be a teacher idk 
74: I have/will get a job: hopefully next semester 
73: Tomorrow: nothing new 
72: Today: what 
71: Next Summer: ???
70: Next Weekend: ???
69: I have these pets: guineas 
68: The worst sound in the world: really loud sounds. They scare me so much 
67: The person that makes me cry the most is:
66: People that make you happy: my family, my friends, my guineas 
65: Last time I cried: tonight 
64: My friends are: wonderful 
63: My computer is: new but I never use it 
62: My School: is great tbh 
61: My Car: don’t have one 
60: I lose all respect for people who: don’t respect my boundaries 
59: The movie I cried at was: don’t remember 
58: Your hair color is: blonde currently but very dark naturally 
57: TV shows you watch: PLL, TWD, always rewatching Lost 
56: Favorite web site: idk Tumblr 
55: Your dream vacation: Italy!! 
54: The worst pain I was ever in was: when I was getting my hair bleached once a couple years ago 
53: How do you like your steak cooked: grew up on well done but I’ve seen the light and I love medium well now 
52: My room is: very messy rn 
51: My favorite celebrity is: lily Collins!!
50: Where would you like to be: my new house 
49: Do you want children: yes!
48: Ever been in love: I have no idea 
47: Who’s your best friend: I have more than one but erin is my main bro 
46: More guy friends or girl friends: girl 
45: One thing that makes you feel great is: being around people I love 
44: One person that you wish you could see right now: Tea
43: Do you have a 5 year plan: nope :))
42: Have you made a list of things to do before you die: not yet but I have some in my head 
41: Have you pre-named your children: yes, I want a girl named Maya
40: Last person I got mad at: probably my mom 
39: I would like to move to: Italy 
38: I wish I was a professional: singer (I would never stop singing)
[ My Favorites ]
37: Candy: kit Kats probably 
36: Vehicle: fiat
35: President: Obama 
34: State visited: I haven’t been like anywhere but South Carolina is the only one I can think of 
33: Cellphone provider: only experienced one 
32: Athlete: I don’t think I even have one but Messi used to be my fave 
31: Actor: Ezra Miller
30: Actress: Lily Collins
29: Singer: probably Ed Sheeran, he calms me 
28: Band: jobros 😈
27: Clothing store: h&m??
26: Grocery store: Kroger 
25: TV show: Lost 
24: Movie: Les Mis, Sing Street, Princess Diaries 2, Chocolat
23: Website: Peach&Lily or Tumblr??
22: Animal: guineas!!
21: Theme park: uhhh idk I’ve only been to Disney world 
20: Holiday: New Years 
19: Sport to watch: soccer
18: Sport to play: badminton or soccer 
17: Magazine: don’t have one 
16: Book: hmm wow I need to read more :) 
15: Day of the week: Saturday 
14: Beach: the Adriatic Sea in Croatia 
13: Concert attended: I only really like music festivals 
12: Thing to cook: desserts
11: Food: sirnica tbh 
10: Restaurant: probably Sapporo
9: Radio station: ???
8: Yankee candle scent: candles are expensive so idk
7: Perfume: dolce&gabanna light blue 
6: Flower: rose!!
5: Color: green!!
4: Talk show host: I have no idea 
3: Comedian: ??
2: Dog breed: corgi!!
1: did you answer all these truthfully ?” Yes I think so

[miguelitov8]

Guia de usados: Chevrolet Spin é imbatível na relação custo/benefício

A versão Active7 chegou em 2018 trazendo o novo visual da SpinChristian Castanho/Quatro Rodas

Lançada em 2012 (já linha 2013), a Spin chegou com a árdua tarefa de, numa só tacada, substituir dois modelos de sucesso da GM: a Meriva e a Zafira. E foi outro sucesso.

A versão mais procurada é a LTZ com sete lugares e câmbio automático GF6, de seis marchas: bem escalonado, ele consegue explorar as limitações do arcaico motor Econo.Flex 1.8, com razoáveis 17,1 mkgf de torque e parcos 108/106 cv (etanol/gasolina).

Traz de série ar, direção, trio, ABS, airbag duplo, rodas de liga, computador de bordo, sensores de ré, volante multifuncional e regulagem de altura para volante e banco do motorista.

Vale pagar um pouco mais pelos modelos 2014 em diante, que já trazem a valorizada central multimídia MyLink com tela de 7 polegadas sensível ao toque.

Importante lembrar que a terceira fileira de bancos da LTZ acomoda bem crianças ou adultos baixinhos, mas decepciona pelo rebatimento difícil e por ocupar 157 litros no porta-malas. Por isso, a LT de cinco lugares satisfaz quem prioriza porta-malas (são 710 litros).

Frente à LTZ, a LT perde computador de bordo, sensor de ré e volante multifuncional.

Baseada na LT, a série Advantage estreou em 2014, sempre na cor cinza Mond e com decoração externa própria, faróis de máscara negra e rodas mais escuras.

A segunda fileira corre 6 cm em trilhos para abrir espaço para a terceira fileiraChristian Castanho/Quatro Rodas

Em 2015, foi a vez da pseudoaventureira Activ, muito bem aceita, com seu estepe externo, apliques na carroceria e acabamento exclusivo. O conjunto mecânico não mudou, mas o vão livre do solo aumentou 8 mm em função das rodas de 16 polegadas e dos pneus 205/50.

O câmbio automático GF6-2 foi a maior novidade da linha 2016, 50% mais rápido nas trocas de marchas. Quem faz questão do câmbio manual deve escolher a 2017 em diante, que passou a ter seis marchas para reduzir consumo e ruído na estrada.

O motor foi recalibrado para 111 cv. O MyLink foi atualizado no modelo 2018, aceitando Android Auto e Apple CarPlay.

A única reestilização foi apresentada em meados de 2018: faróis mais refinados com filetes de led, lanternas avançando sobre a tampa e segunda fileira de bancos que desliza sobre trilhos. A Activ perdeu o estepe na traseira e assim ganhou a companhia da Activ 7, com sete lugares.

Ao longo dos anos, a Spin ficou devendo um motor mais atual, mais airbags e o ESP, indispensáveis em um carro com proposta familiar.

Tome cuidado só com minivans com kits GNV: os que foram instalados pela própria rede de concessionárias Chevrolet preservam a garantia total de três anos do veículo.

E evite a rara versão básica LS: é facilmente identificada pela ausência dos vidros elétricos e em muitos casos vinda de frotas governamentais sem um bom histórico de manutenção.

Onde o bicho pega

Câmbio: A caixa automática GF6 requer troca de fluido a cada 80.000 km sempre que tiver uso severo (engarrafamentos frequentes ou trajetos diários muito curtos). Alta vibração e trancos nas trocas são indícios de problemas mais sérios, abordados na seção Autodefesa: reparo caro e que exige mão de obra própria.

Chicote: Quedas na aceleração é resultado de mau contato no conector do chicote do acelerador ou danos por vazamento de solução da bateria. O defeito é seguido do código 84 no painel de instrumentos.

Embreagem:  Seu funcionamento irregular ocorre em função da entrada de ar no atuador hidráulico. A falha costuma ser sanada com a troca da peça (R$ 370, sem mão de obra) e sangria do circuito hidráulico.

Suspensão: O problema mais comum é o desgaste dos coxins dos amortecedores dianteiros. Por serem baratos, vale a pena verificar o estado geral dos amortecedores e outros itens como coifas, batentes e bieletas.

Ar-condicionado: Veja se não ocorrem falhas intermitentes na refrigeração, quase sempre geradas pela bobina do compressor. Nos casos extremos, é necessária a substituição completa do compressor.

Recalls: Foram sete. Fixação do powertrain, filtro e bomba de combustível, respiro do tanque, entrada de ar abaixo do para-brisa, caixa de fusíveis e relê da caixa de fusíveis.

A voz do dono

Nome: Vânia Fernandes Idade: 54 anos Profissão: funcionária pública Cidade: Petrópolis (RJ)

O que eu adoro: “Gosto da posição elevada de dirigir, que ajuda na visibilidade e no acesso ao interior. Tem todo o espaço de que uma família precisa e é muito prática para o uso diário, sendo fácil de dirigir e de estacionar.”

O que eu odeio: “O isolamento acústico não é bom: motor, câmbio e freios formam uma sinfonia constante. Os plásticos do acabamento interno deixam a desejar e o consumo do modelo 2014 é alto sobretudo na estrada.”

Preço médio dos usados* (tabela KBB Brasil)

Modelo20142015201620172018

LS manual

36.038

––

46.404

47.431

LT manual–41.054

43.322

47.806

51.816

LT automática

35.523

43.96946.082––LTZ manual

41.361

48.36250.26954.630

56.884

LTZ automática

44.243

48.74152.76657.504

61.377

Advantage automática

37.512

44.938–53.597

55.854

Activ automática–49.74053.89957.253

58.205

* Valores em reais calculados pela KBB brasil para A compra pelo particular

Preço das peças

PeçasOriginalParaleloPara-choque dianteiroR$ 405R$ 375Farol completo (cada um)R$ 1.929R$ 1.315Disco de freio (par dianteiro)R$ 506R$ 420Pastilhas de freio (par dianteiro)R$ 389R$ 331Amortecedores (os quatro)R$ 1.236R$ 1.160Kit de embreagemR$ 982R$ 735

Nós dissemos

Julho de 2012

“Para armar a terceira fileira de bancos da Spin, basta puxar duas tiras na parte de trás. A primeira rebate o encosto e a segunda move o conjunto todo para a frente. Três problemas: o conjunto não é bipartido, a tira elástica que prende o conjunto no apoio de cabeça da fileira central só alcança o do lado direito e, apesar de escamoteável, o banco extra não pode ser retirado.”

Veja também

NotíciasGuia de Usados: VW Saveiro, a única picapinha a ter deixado os anos 9026 dez 2019 - 07h12

NotíciasGuia de Usados: Honda HR-V, o seminovo com preço de carro zero5 nov 2019 - 07h11

NotíciasGuia de Usados: Citroën Aircross tem espaço de SUV a menos de R$ 30.0002 out 2019 - 07h10

Pense também em um…

Fiat Doblò

Tem 18 anos de mercado e a última reestilização ocorreu há uma década: sobrevive em função de um projeto maduro, que não apresenta defeitos e pela versatilidade dos sete lugares (exceto na versão Adventure, com seis lugares em função do estepe externo). Como ele pesa no mínimo 1.250 kg, priorize sempre as versões com motor E.torQ 1.8 16V de 130/132 cv. 

Guia de usados: Chevrolet Spin é imbatível na relação custo/benefício publicado primeiro em https://quatrorodas.abril.com.br/ Guia de usados: Chevrolet Spin é imbatível na relação custo/benefício publicado primeiro em https://carangoslegais.com.br/ Guia de usados: Chevrolet Spin é imbatível na relação custo/benefício publicado primeiro em https://carangoslegais.com.br/

[x4f0wrcg-blog]

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[alvaromatias1000]

10 carros que vc pensou que já tinham saído de linha em 2019

O mercado automotivo nacional tem alguns modelos que estão quase desaparecidos diante da maioria dos consumidores, seja por anúncios de fim de produção, seja pelas baixas vendas.

Outros, nem ao menos são conhecidos de muitos.

Algumas marcas insistem em manter certos produtos no portfólio por razões variadas.

Existem aquelas que precisam manter uma grade de modelos essencial para satisfazer certos clientes e outros porque ainda é viável vender um carro antigo, que ainda tem apelo junto a parte dos clientes.

Nessa história, alguns carros que já foram bem famosos e tiveram vendas expressivas, acabaram sucumbindo ao tempo e também à mudança de perfil dos consumidores, especialmente no caso das peruas e multivans.

Neste último, dois modelos comerciais ainda prevalecem no mercado, mas estão fora dessa lista por conta do foco mais direcionado nos automóveis.

Outros modelos simplesmente saíram de cena de forma discreta e muita gente ainda não sabe que eles não existem mais. Mas, isso é assunto para outra pauta.

Aqui, veremos alguns modelos que estão por aí no mercado e muita gente pode pensar que já foram tirados de circulação.

Confira abaixo 10 carros que vc pensou que já tinham saído de linha em 2019:

1) Dodge Journey

O crossover da FCA está no mercado há 10 anos e ainda continua firme e forte, embora muita gente acredite que tenha saído de linha.

O pior é que o futuro do Dodge Journey ainda não está definido, sendo que não existe um sucessor pronto para tomar seu lugar.

Com preço sugerido de R$ 149.900, o Dodge Journey ainda está disponível e traz sete assentos em couro, um sistema de áudio com subwoofer, multimídia Uconnect com tela de 8,4 polegadas, teto solar elétrico e um potente motor V6 3.6 Pentastar de 280 cavalos com câmbio automático de seis marchas.

O Dodge Journey ainda tem um pacote de opcionais chamado Blacktop com detalhes em preto brilhante, incluindo as rodas de alumínio aro 19 polegadas, grade e retrovisores.

Os faróis duplos de LED possuem máscara negra.

2) Fiat Doblò

Desde 2001, o Fiat Doblò é a multivan da marca italiana.

Ainda na primeira geração, sendo que o modelo já evoluiu duas vezes na Europa, o veículo teve uma versão furgão, mas hoje está limitado à Essence e tem motor E.torQ 1.8 de 130 cavalos na gasolina e 132 cavalos no etanol, sempre com câmbio manual.

Com preço de R$ 92.390, o Fiat Doblò tem um bom espaço interno com altura elevada e dois bancos articulados na parte traseira, conferindo assim disposição para sete pessoas.

Feito para uso misto, também pode ter seus bancos retirados para colocação de carga. Para essa tarefa, também tem eixo traseiro rígido.

Desde 2017, é noticiado que o Fiat Doblò saiu de linha de produção em Betim-MG.

No entanto, o modelo continua a ser oferecido e vendido no mercado nacional, mesmo após um grande corte de produtos na Fiat.

3) Fiat Weekend

Assim como o Doblò, a Fiat Weekend também teria sido retirada das linhas de montagem de Betim, porém, a perua da marca italiana continua disponível para quem quiser.

Hoje, no entanto, os que lembram dela são os frotistas, que praticamente compram tudo o que está ofertado no mercado, o que fez pensar que tenha saído de linha.

Partindo de R$ 64.990, a perua que um dia foi a Palio Weekend, atualmente tem duas versões, incluindo a famosa Adventure.

Ela tem motor 1.4 8V de 85 cavalos na gasolina e 88 cavalos no etanol, enquanto a aventureira clássica tem motor E.torQ 1.8 de até 132 cavalos.

Presente no mercado desde 1997, a Fiat Weekend já foi a perua mais vendida do mercado e teve inúmeras versões e séries especiais. Agora aguarda seu fim.

4) Kia Grand Carnival

A Kia Motors já colocou e tirou vários carros do mercado nacional, mas tem um que resiste a dólar alto, cotas de importação e sobretaxas das mais variadas.

Não tem tempo ruim, mas poucos sabem disso… A Kia Grand Carnival é a última de uma linhagem de minivans “americanas” que circulou pelo país desde os anos 90.

Desde sempre cara, a Kia Grand Carnival custa hoje R$ 289.990 e cobra até R$ 2.300 numa pintura perolizada.

Com 8 lugares, a “minivan” da marca sul-coreana tem portas corrediças elétricas, acabamento geral em couro, teto solar duplo, ar condicionado tri-zone, abertura automática de portas e bagageiro na chave, entre outros recursos.

Além disso, vem com um V6 3.3 de 270 cavalos e 32,4 kgfm.

O câmbio é automático de seis marchas, tendo tração dianteira e um avançado pacote de segurança.

5) Lifan 530

Hoje os carros chineses estão mais valorizados do que há uns anos atrás.

No entanto, ainda existe um produto da velha safra de modelos que tinham baixa qualidade construtiva e este é o Lifan 530 ou LF 530. O sedã compacto é quase um fantasma no mercado e muita gente imagina que ele tenha saído de linha.

Porém, o Lifan 530 continua lá no site da marca chinesa, apesar de não ser visto nem em concessionária.

Custando R$ 43.990 há um bom tempo, o compacto tem pouco apelo e os deslizes de montagem são nítidos em toda parte.

Raro nas ruas, ele tem motor 1.5 16V com apenas 103 cavalos e 14,5 kgfm, obtidos em 6.000 e 4.500 rpm, respectivamente.

Embora com ar condicionado, direção hidráulica, trio elétrico, entre outros, poucos se arriscam nele.

6) Lexus CT 200h

O hatch médio da marca de luxo japonesa, que é de propriedade da Toyota, continua a ser vendido.

Presente no mercado há bastante tempo, o Lexus CT 200h ainda utiliza a tecnologia do Prius da geração anterior e recebeu apenas um facelift desde 2011. Pouco visto por aí, poucos imaginam que ainda é vendido.

Com preços a partir de R$ 143.990, o Lexus CT 200h tem motor 1.8 de ciclo Atkinson com 99 cavalos e motor elétrico integrado, somando 136 cavalos.

Dotado de câmbio CVT, o hatch premium tem quatro modos de condução, sendo eles EV, Eco, Hybrid e Sport. Fora a opção Boost, que acrescenta mais força nas saídas.

Já bem desatualizado, o Lexus CT 200h é uma opção para quem quer gastar pouco com gasolina, tendo consumo 15,7 km/l na cidade e 14,2 km/l na estrada.

7) Mitsubishi Lancer

Em produção desde 2007, alguns podem se lembrar dele como o poderoso Evolution X, mas hoje ele passa longe do que foi no passado e até parecia que ele tinha saído de linha.

O Mitsubishi Lancer não tem futuro no mercado internacional, exceto pela predileção de parte dos chineses de Taiwan. Aqui, ele ainda é feito pela HPE em Anápolis-GO.

No entanto, ele está entre os carros que vc pensou que já tinham saído de linha em 2019. O Lancer tem duas versões e ambas com motor 2.0 de 160 cavalos e câmbio CVT.

Custando entre R$ 81.990 e R$ 86.990, o sedã médio da Mitsubishi mantém o mesmo estilo desde que foi lançado.

Mesmo a atualização de meia vida do Lancer por aqui, já existia nos EUA em 2008… Ou seja, mais desatualizado, impossível.

8) Subaru Outback

Outro japonês que muita gente acha que já foi é a perua aventureira Subaru Outback. Impreza e Legacy já vieram e foram embora, mas este modelo resiste ao tempo.

Custando R$ 200.900, ela é uma verdadeira familiar purista com amplo espaço interno e porta-malas generoso.

Equipada com motor boxer 3.6 de seis cilindros de 260 cavalos, além do CVT Lineartronic com simulação de seis marchas e mais o sistema de tração integral S-AWD, tudo sempre no mesmo nível, a Subaru Outback tem centro de gravidade baixo e muito conforto a bordo.

Sistema de som Harman Kardon com 8 alto-falantes, teto solar elétrico, tampa do bagageiro de acionamento elétrico, acabamento geral em couro, ar condicionado dual zone, multimídia com Google Android Auto e Apple Car Play, estão entre os itens oferecidos pela perua.

9) Suzuki S-Cross

Misto de crossover e minivan, o Suzuki S-Cross tinha um visual aceitável quando chegou ao Brasil em 2014.

O modelo japonês é importado e tem presença bem discreta no mercado, até menor que o Novo Vitara, outro pouco visto em nossas ruas, diferentes do antigo Grand Vitara.

Com visual atualizado em 2016, o Suzuki S-Cross parece até ter saído de linha, mas está disponível com preços a partir de R$ 114.490.

Quase um Honda Fit anabolizado, o crossover é oferecido atualmente em três versões, todas com motor 1.4 Boosterjet 1.4 de 146 cavalos e câmbio automático de seis marchas.

Praticamente sem marketing, poucos sabem que ele ainda existe e tem inclusive tração nas quatro rodas com variação total de força, chegando mesmo a ter 100% de tração nas rodas traseiras.

Poderia vender mais se fosse conhecido ou invés de passar a impressão de ter saído de linha.

10) Volkswagen SpaceFox

Na linha de montagem, se despediram dela. Depois, veio o anúncio oficial de sua saída, mas na Argentina.

Aqui, ainda vivendo de estoques, a última perua da Volkswagen (sim, a Golf Variant já foi embora) tem unidades esperando pelos últimos clientes.

A Spacefox deixou de ser feita no país vizinho em fins de 2018.

Por aqui, ela ainda não tinha saído de linha.

Com apenas a versão Trendline, a Volkswagen Spacefox parte de R$ 66.190 e tem apenas um pacote de equipamentos, o Connect: rodas de liga leve aro 15, multimídia Composition Touch com Google Android Auto e Apple Car Play, faróis de neblina, computador de bordo, volante multifuncional, entre outros.

Ela ostenta o velho motor EA111 1.6 MSI de 8 válvulas com 101 cavalos na gasolina e 103 no etanol, com câmbio manual.

© Noticias Automotivas. A notícia 10 carros que vc pensou que já tinham saído de linha em 2019 é um conteúdo original do site Notícias Automotivas.

10 carros que vc pensou que já tinham saído de linha em 2019 publicado primeiro em https://www.noticiasautomotivas.com.br

[gepetordi1]

Fiat 130 Familiare, 1971

[carsthatnevermadeitetc]

Fiat 130 'Familiare', Fiat 131S, and Fiat 125S. Three more of the Agnelli family’s cars. The rare 130 estate belong to Umberto Agnelli, Giovanni’s brother, the 131 S had a supercharged engine, 125 S was apparently one of Giovanni’s favourites

[mccartneynathxzw83]

The Rise of Point of Sale Cryptocurrency Systems

The Rise of Point of Sale Cryptocurrency Systems

During the past month, amidst the usual bombardment of cryptocurrency and blockchain-related stories, something caught this author’s tired eyes. In the space of two weeks, four articles related to cryptocurrency point of sale (PoS) systems cropped up across the industry’s media outlets. For cryptocurrency fanboys, who often resemble vegans in their unceasing ability to make themselves unlikable, cryptocurrency PoS systems will be old news. But though the technology may have been around, at least in cryptocurrency terms, for a while, it remains – globally – largely unused.

That could be about to change due to a confluence of factors. Even taking into account the recent plummet in bitcoin’s value, the cryptocurrency market is much less volatile than it was 12 months ago. That makes payments a more viable option for both payment service providers (PSPs) and merchants. At the same time, cryptocurrency is now something most people are familiar with. True they may not hold any, but the market boom at the start of this year took cryptocurrency from being a niche industry to something the ‘average joe’ is familiar with. Finally, and on a purely pragmatic level, there are now a number of companies offering the means by which businesses can start selling their products via cryptocurrency.

Why do it?

When looking at these PSPs, the first question that comes to mind is why would any company want to accept cryptocurrency? Yes, more people have a few decimal points of bitcoin lurking in a hot wallet than they did a year ago but they probably still find it more convenient to pay in dollars, pounds or dinars when they go to buy their morning coffee. The exception to that rule would be countries that are in some sort of crisis. Venezuela is a prime example of this. With a tanking economy and inflation running at 1,000,000 percent (no that’s not a typo), the country has become a major hub for cryptocurrency payment solutions. The cryptocurrency Dash has been at forefront of this. Announcing a peer-to-peer (P2P) SMS payments solution for Venezuelans last month, the company behind the cryptocurrency said that almost 2,500 merchants in the company accept Dash as a form of payment.

Across the world in Iran, another beacon of hope and freedom, US sanctions have also sped up the adoption of cryptocurrency payments. Back in July, the Trump administration put sanctions back on Iran’s banking system and, almost immediately, companies turned to cryptocurrencies for assistance. Most notably, hotels started asking for their customers to pay deposits in cryptocurrency. The Iranian government has also started encouraging cryptocurrency miners operating in the country and has plans to form its own digital asset. Given that the US has already said its sanctions on Venezuela apply to the government’s cryptocurrency Petro, which was named as “the most horrible investment ever” by a Washington Post journalist earlier this year, it’s unlikely the Iranian government cryptocurrency is going to do well.

“A cup of coffee? That’ll be BTC 0.000001 please”

Outside of Islamic states and socialist paradises crippled by economic mismanagement, some retailers in developed nations are also starting to accept cryptocurrency as a form of payment. At the end of November, for example, a Spanish coffee chain, Nostrum, announced that it would allow its coffee-drinking customers, across all of its 130 stores, to pay for their espressos in cryptocurrencies. In South Korea, where 35 percent of the population hold digital assets, a deal brokered in March of this year between exchange operator Bithumb and a local PSP, Korea Pay Services, means that locals can use cryptocurrency to pay in over 6,000 retail stores. As Spain and South Korea aren’t suffering from massive inflation or pervasive banking restrictions, this raises the question again – why do it? For Vini Armani, Co-Founder and Chief Technology Officer at CoinText, a peer-to-peer (P2P) cryptocurrency payments firm that is launching a merchant system next year, the answer is obvious.

Vin Armani – CTO and Co-Founder of CoinText

“Cryptocurrency is durable, scarce, private, counterfeit resistant, nearly free to store and use, doesn’t require third-parties, borderless, resistant to violence and offers deniability when traveling,” he told Finance Magnates. “No government’s currency can compete with those attributes – even if they’re doing ‘an ok job.’”

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“When people have wealth in a certain form they like to spend it”

For others in the PoS space, that answer is valid but not the only reason for the growing adoption of cryptocurrency payment solutions. Speaking to Finance Magnates, Zac Cheah, CEO and Co-founder of PoS system operator Pundi X, said that other factors, whether it be widespread adoption of digital assets, a desire to stay ahead of the curve or travelling abroad, have impacted retailers’ decisions to start allowing customers to pay in cryptocurrencies.

“You are asking why a retailer would use a PoS system but you could say the same about crypto in general,” said Cheah. “If we assume economic crises precipitate cryptocurrency trading, few people would have traded in the markets. Yet they did. Some of our biggest markets include Singapore and Korea, neither of which is remotely affected by governance problems. When people have wealth in a certain form they like to spend it. But even if I take your point, [that a PoS system would only be useful in economic crises], as a given, Christine Lagarde last month called on other central banks to look at creating their own digital currencies. Take that into account and I think the need for a blockchain PoS system is much less marginal than even a sceptic would allow for.”

Zac Cheah, CEO and Co-founder of Pundi X, shows a merchants how his company’s payment system works

That may answer why a merchant would start taking cryptocurrency payments but still leaves them with a number of problems. In a corrupt country like Venezuela, performing a transaction over SMS to pay for goods probably wouldn’t be a problem. Conversely, in Spain, South Korea or the USA, the government will want to get their hands on all of the sales tax a retailer has collected. Then there are technical issues. For instance, if a client pays in bitcoin and the price fluctuates massively by the end of the day, that’s going to be a huge headache for anyone that needs – at an absolute minimum – stability in their businesses. That’s on top of worries around transaction fees, accounting systems and compliance procedures.

Loewr transaction fees

“If a transaction is for $100 worth of bitcoin, then BitPay will confirm the transaction immediately,” BitPay Chief Operating Officer Sonny Singh told Finance Magnates. “We will settle the same amount in one business day via a wireless transfer, regardless of what happens to the price of bitcoin in the meantime. The customer always pays $100 worth of bitcoin and the merchant always receives $100 USD the next business day – exactly how a Visa or Mastercard transaction is settled. Normal credit card charges range from 2 to 4 percent plus other costs, but with us you only pay 1 percent and no other costs. Credit cards also carry chargeback risks. Again, with us, there no chargebacks.”

Such a solution may put retailers’ risk-weary appetites at ease but, as noted, there are also accounting systems and tax issues to worry about. Converting a cryptocurrency into fiat currency might make that process easier but it doesn’t necessarily make retailers technological lives easier. As with BitPay, Pundi X has a number of solutions to address any potential problems in that area.

Sonny Singh, CCO of BitPay, speaks at a conference in California earlier this year

“Each device we sell is loaded with a jurisdictional GST setting allowing sales tax to be added onto any transaction – we fully comply with the laws and standards of each market in which we operate,” said Cheah. “We also have a standard backend system for merchants that integrates onto most retail accounting systems. Any shift involves some pain but retailers have their process flows down to a fine art and we’re not looking to disrupt that element of their payment systems.”

Bitcoin may have taken a beating in the past month but an overall trend towards lower volatility, and a reduction in the number of get-rick-quick traders, is a positive sign that cryptocurrencies are starting to behave like regular markets and not ponzi schemes. But if they really want to be currencies, not just a strange blend of commodity and security, they must have some practical use. PoS systems are a step in that direction. Not only will they allow existing holders of cryptocurrencies to start spending their holdings, they will continue to normalise the market and attract newcomers to it. On top of that, with no chargebacks and lower transaction fees, they could also offer retailers better value for money. If that’s the case, maybe we’ll start to see some infuriating ‘crypto enthusiast’ signs hung in shop windows this Christmas.

Source link https://ift.tt/2Ga0Wjz

[teiraymondmccoy78]

The Rise of Point of Sale Cryptocurrency Systems

The Rise of Point of Sale Cryptocurrency Systems

During the past month, amidst the usual bombardment of cryptocurrency and blockchain-related stories, something caught this author’s tired eyes. In the space of two weeks, four articles related to cryptocurrency point of sale (PoS) systems cropped up across the industry’s media outlets. For cryptocurrency fanboys, who often resemble vegans in their unceasing ability to make themselves unlikable, cryptocurrency PoS systems will be old news. But though the technology may have been around, at least in cryptocurrency terms, for a while, it remains – globally – largely unused.

That could be about to change due to a confluence of factors. Even taking into account the recent plummet in bitcoin’s value, the cryptocurrency market is much less volatile than it was 12 months ago. That makes payments a more viable option for both payment service providers (PSPs) and merchants. At the same time, cryptocurrency is now something most people are familiar with. True they may not hold any, but the market boom at the start of this year took cryptocurrency from being a niche industry to something the ‘average joe’ is familiar with. Finally, and on a purely pragmatic level, there are now a number of companies offering the means by which businesses can start selling their products via cryptocurrency.

Why do it?

When looking at these PSPs, the first question that comes to mind is why would any company want to accept cryptocurrency? Yes, more people have a few decimal points of bitcoin lurking in a hot wallet than they did a year ago but they probably still find it more convenient to pay in dollars, pounds or dinars when they go to buy their morning coffee. The exception to that rule would be countries that are in some sort of crisis. Venezuela is a prime example of this. With a tanking economy and inflation running at 1,000,000 percent (no that’s not a typo), the country has become a major hub for cryptocurrency payment solutions. The cryptocurrency Dash has been at forefront of this. Announcing a peer-to-peer (P2P) SMS payments solution for Venezuelans last month, the company behind the cryptocurrency said that almost 2,500 merchants in the company accept Dash as a form of payment.

Across the world in Iran, another beacon of hope and freedom, US sanctions have also sped up the adoption of cryptocurrency payments. Back in July, the Trump administration put sanctions back on Iran’s banking system and, almost immediately, companies turned to cryptocurrencies for assistance. Most notably, hotels started asking for their customers to pay deposits in cryptocurrency. The Iranian government has also started encouraging cryptocurrency miners operating in the country and has plans to form its own digital asset. Given that the US has already said its sanctions on Venezuela apply to the government’s cryptocurrency Petro, which was named as “the most horrible investment ever” by a Washington Post journalist earlier this year, it’s unlikely the Iranian government cryptocurrency is going to do well.

“A cup of coffee? That’ll be BTC 0.000001 please”

Outside of Islamic states and socialist paradises crippled by economic mismanagement, some retailers in developed nations are also starting to accept cryptocurrency as a form of payment. At the end of November, for example, a Spanish coffee chain, Nostrum, announced that it would allow its coffee-drinking customers, across all of its 130 stores, to pay for their espressos in cryptocurrencies. In South Korea, where 35 percent of the population hold digital assets, a deal brokered in March of this year between exchange operator Bithumb and a local PSP, Korea Pay Services, means that locals can use cryptocurrency to pay in over 6,000 retail stores. As Spain and South Korea aren’t suffering from massive inflation or pervasive banking restrictions, this raises the question again – why do it? For Vini Armani, Co-Founder and Chief Technology Officer at CoinText, a peer-to-peer (P2P) cryptocurrency payments firm that is launching a merchant system next year, the answer is obvious.

Vin Armani – CTO and Co-Founder of CoinText

“Cryptocurrency is durable, scarce, private, counterfeit resistant, nearly free to store and use, doesn’t require third-parties, borderless, resistant to violence and offers deniability when traveling,” he told Finance Magnates. “No government’s currency can compete with those attributes – even if they’re doing ‘an ok job.’”

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“When people have wealth in a certain form they like to spend it”

For others in the PoS space, that answer is valid but not the only reason for the growing adoption of cryptocurrency payment solutions. Speaking to Finance Magnates, Zac Cheah, CEO and Co-founder of PoS system operator Pundi X, said that other factors, whether it be widespread adoption of digital assets, a desire to stay ahead of the curve or travelling abroad, have impacted retailers’ decisions to start allowing customers to pay in cryptocurrencies.

“You are asking why a retailer would use a PoS system but you could say the same about crypto in general,” said Cheah. “If we assume economic crises precipitate cryptocurrency trading, few people would have traded in the markets. Yet they did. Some of our biggest markets include Singapore and Korea, neither of which is remotely affected by governance problems. When people have wealth in a certain form they like to spend it. But even if I take your point, [that a PoS system would only be useful in economic crises], as a given, Christine Lagarde last month called on other central banks to look at creating their own digital currencies. Take that into account and I think the need for a blockchain PoS system is much less marginal than even a sceptic would allow for.”

Zac Cheah, CEO and Co-founder of Pundi X, shows a merchants how his company’s payment system works

That may answer why a merchant would start taking cryptocurrency payments but still leaves them with a number of problems. In a corrupt country like Venezuela, performing a transaction over SMS to pay for goods probably wouldn’t be a problem. Conversely, in Spain, South Korea or the USA, the government will want to get their hands on all of the sales tax a retailer has collected. Then there are technical issues. For instance, if a client pays in bitcoin and the price fluctuates massively by the end of the day, that’s going to be a huge headache for anyone that needs – at an absolute minimum – stability in their businesses. That’s on top of worries around transaction fees, accounting systems and compliance procedures.

Loewr transaction fees

“If a transaction is for $100 worth of bitcoin, then BitPay will confirm the transaction immediately,” BitPay Chief Operating Officer Sonny Singh told Finance Magnates. “We will settle the same amount in one business day via a wireless transfer, regardless of what happens to the price of bitcoin in the meantime. The customer always pays $100 worth of bitcoin and the merchant always receives $100 USD the next business day – exactly how a Visa or Mastercard transaction is settled. Normal credit card charges range from 2 to 4 percent plus other costs, but with us you only pay 1 percent and no other costs. Credit cards also carry chargeback risks. Again, with us, there no chargebacks.”

Such a solution may put retailers’ risk-weary appetites at ease but, as noted, there are also accounting systems and tax issues to worry about. Converting a cryptocurrency into fiat currency might make that process easier but it doesn’t necessarily make retailers technological lives easier. As with BitPay, Pundi X has a number of solutions to address any potential problems in that area.

Sonny Singh, CCO of BitPay, speaks at a conference in California earlier this year

“Each device we sell is loaded with a jurisdictional GST setting allowing sales tax to be added onto any transaction – we fully comply with the laws and standards of each market in which we operate,” said Cheah. “We also have a standard backend system for merchants that integrates onto most retail accounting systems. Any shift involves some pain but retailers have their process flows down to a fine art and we’re not looking to disrupt that element of their payment systems.”

Bitcoin may have taken a beating in the past month but an overall trend towards lower volatility, and a reduction in the number of get-rick-quick traders, is a positive sign that cryptocurrencies are starting to behave like regular markets and not ponzi schemes. But if they really want to be currencies, not just a strange blend of commodity and security, they must have some practical use. PoS systems are a step in that direction. Not only will they allow existing holders of cryptocurrencies to start spending their holdings, they will continue to normalise the market and attract newcomers to it. On top of that, with no chargebacks and lower transaction fees, they could also offer retailers better value for money. If that’s the case, maybe we’ll start to see some infuriating ‘crypto enthusiast’ signs hung in shop windows this Christmas.

Source link https://ift.tt/2Ga0Wjz

[adrianjenkins952wblr]

The Rise of Point of Sale Cryptocurrency Systems

The Rise of Point of Sale Cryptocurrency Systems

During the past month, amidst the usual bombardment of cryptocurrency and blockchain-related stories, something caught this author’s tired eyes. In the space of two weeks, four articles related to cryptocurrency point of sale (PoS) systems cropped up across the industry’s media outlets. For cryptocurrency fanboys, who often resemble vegans in their unceasing ability to make themselves unlikable, cryptocurrency PoS systems will be old news. But though the technology may have been around, at least in cryptocurrency terms, for a while, it remains – globally – largely unused.

That could be about to change due to a confluence of factors. Even taking into account the recent plummet in bitcoin’s value, the cryptocurrency market is much less volatile than it was 12 months ago. That makes payments a more viable option for both payment service providers (PSPs) and merchants. At the same time, cryptocurrency is now something most people are familiar with. True they may not hold any, but the market boom at the start of this year took cryptocurrency from being a niche industry to something the ‘average joe’ is familiar with. Finally, and on a purely pragmatic level, there are now a number of companies offering the means by which businesses can start selling their products via cryptocurrency.

Why do it?

When looking at these PSPs, the first question that comes to mind is why would any company want to accept cryptocurrency? Yes, more people have a few decimal points of bitcoin lurking in a hot wallet than they did a year ago but they probably still find it more convenient to pay in dollars, pounds or dinars when they go to buy their morning coffee. The exception to that rule would be countries that are in some sort of crisis. Venezuela is a prime example of this. With a tanking economy and inflation running at 1,000,000 percent (no that’s not a typo), the country has become a major hub for cryptocurrency payment solutions. The cryptocurrency Dash has been at forefront of this. Announcing a peer-to-peer (P2P) SMS payments solution for Venezuelans last month, the company behind the cryptocurrency said that almost 2,500 merchants in the company accept Dash as a form of payment.

Across the world in Iran, another beacon of hope and freedom, US sanctions have also sped up the adoption of cryptocurrency payments. Back in July, the Trump administration put sanctions back on Iran’s banking system and, almost immediately, companies turned to cryptocurrencies for assistance. Most notably, hotels started asking for their customers to pay deposits in cryptocurrency. The Iranian government has also started encouraging cryptocurrency miners operating in the country and has plans to form its own digital asset. Given that the US has already said its sanctions on Venezuela apply to the government’s cryptocurrency Petro, which was named as “the most horrible investment ever” by a Washington Post journalist earlier this year, it’s unlikely the Iranian government cryptocurrency is going to do well.

“A cup of coffee? That’ll be BTC 0.000001 please”

Outside of Islamic states and socialist paradises crippled by economic mismanagement, some retailers in developed nations are also starting to accept cryptocurrency as a form of payment. At the end of November, for example, a Spanish coffee chain, Nostrum, announced that it would allow its coffee-drinking customers, across all of its 130 stores, to pay for their espressos in cryptocurrencies. In South Korea, where 35 percent of the population hold digital assets, a deal brokered in March of this year between exchange operator Bithumb and a local PSP, Korea Pay Services, means that locals can use cryptocurrency to pay in over 6,000 retail stores. As Spain and South Korea aren’t suffering from massive inflation or pervasive banking restrictions, this raises the question again – why do it? For Vini Armani, Co-Founder and Chief Technology Officer at CoinText, a peer-to-peer (P2P) cryptocurrency payments firm that is launching a merchant system next year, the answer is obvious.

Vin Armani – CTO and Co-Founder of CoinText

“Cryptocurrency is durable, scarce, private, counterfeit resistant, nearly free to store and use, doesn’t require third-parties, borderless, resistant to violence and offers deniability when traveling,” he told Finance Magnates. “No government’s currency can compete with those attributes – even if they’re doing ‘an ok job.’”

Suggested articles

What to Look for in a Liquidity ProviderGo to article >>

“When people have wealth in a certain form they like to spend it”

For others in the PoS space, that answer is valid but not the only reason for the growing adoption of cryptocurrency payment solutions. Speaking to Finance Magnates, Zac Cheah, CEO and Co-founder of PoS system operator Pundi X, said that other factors, whether it be widespread adoption of digital assets, a desire to stay ahead of the curve or travelling abroad, have impacted retailers’ decisions to start allowing customers to pay in cryptocurrencies.

“You are asking why a retailer would use a PoS system but you could say the same about crypto in general,” said Cheah. “If we assume economic crises precipitate cryptocurrency trading, few people would have traded in the markets. Yet they did. Some of our biggest markets include Singapore and Korea, neither of which is remotely affected by governance problems. When people have wealth in a certain form they like to spend it. But even if I take your point, [that a PoS system would only be useful in economic crises], as a given, Christine Lagarde last month called on other central banks to look at creating their own digital currencies. Take that into account and I think the need for a blockchain PoS system is much less marginal than even a sceptic would allow for.”

Zac Cheah, CEO and Co-founder of Pundi X, shows a merchants how his company’s payment system works

That may answer why a merchant would start taking cryptocurrency payments but still leaves them with a number of problems. In a corrupt country like Venezuela, performing a transaction over SMS to pay for goods probably wouldn’t be a problem. Conversely, in Spain, South Korea or the USA, the government will want to get their hands on all of the sales tax a retailer has collected. Then there are technical issues. For instance, if a client pays in bitcoin and the price fluctuates massively by the end of the day, that’s going to be a huge headache for anyone that needs – at an absolute minimum – stability in their businesses. That’s on top of worries around transaction fees, accounting systems and compliance procedures.

Loewr transaction fees

“If a transaction is for $100 worth of bitcoin, then BitPay will confirm the transaction immediately,” BitPay Chief Operating Officer Sonny Singh told Finance Magnates. “We will settle the same amount in one business day via a wireless transfer, regardless of what happens to the price of bitcoin in the meantime. The customer always pays $100 worth of bitcoin and the merchant always receives $100 USD the next business day – exactly how a Visa or Mastercard transaction is settled. Normal credit card charges range from 2 to 4 percent plus other costs, but with us you only pay 1 percent and no other costs. Credit cards also carry chargeback risks. Again, with us, there no chargebacks.”

Such a solution may put retailers’ risk-weary appetites at ease but, as noted, there are also accounting systems and tax issues to worry about. Converting a cryptocurrency into fiat currency might make that process easier but it doesn’t necessarily make retailers technological lives easier. As with BitPay, Pundi X has a number of solutions to address any potential problems in that area.

Sonny Singh, CCO of BitPay, speaks at a conference in California earlier this year

“Each device we sell is loaded with a jurisdictional GST setting allowing sales tax to be added onto any transaction – we fully comply with the laws and standards of each market in which we operate,” said Cheah. “We also have a standard backend system for merchants that integrates onto most retail accounting systems. Any shift involves some pain but retailers have their process flows down to a fine art and we’re not looking to disrupt that element of their payment systems.”

Bitcoin may have taken a beating in the past month but an overall trend towards lower volatility, and a reduction in the number of get-rick-quick traders, is a positive sign that cryptocurrencies are starting to behave like regular markets and not ponzi schemes. But if they really want to be currencies, not just a strange blend of commodity and security, they must have some practical use. PoS systems are a step in that direction. Not only will they allow existing holders of cryptocurrencies to start spending their holdings, they will continue to normalise the market and attract newcomers to it. On top of that, with no chargebacks and lower transaction fees, they could also offer retailers better value for money. If that’s the case, maybe we’ll start to see some infuriating ‘crypto enthusiast’ signs hung in shop windows this Christmas.

Source link https://ift.tt/2Ga0Wjz

[courtneyvbrooks87]

The Rise of Point of Sale Cryptocurrency Systems

The Rise of Point of Sale Cryptocurrency Systems

During the past month, amidst the usual bombardment of cryptocurrency and blockchain-related stories, something caught this author’s tired eyes. In the space of two weeks, four articles related to cryptocurrency point of sale (PoS) systems cropped up across the industry’s media outlets. For cryptocurrency fanboys, who often resemble vegans in their unceasing ability to make themselves unlikable, cryptocurrency PoS systems will be old news. But though the technology may have been around, at least in cryptocurrency terms, for a while, it remains – globally – largely unused.

That could be about to change due to a confluence of factors. Even taking into account the recent plummet in bitcoin’s value, the cryptocurrency market is much less volatile than it was 12 months ago. That makes payments a more viable option for both payment service providers (PSPs) and merchants. At the same time, cryptocurrency is now something most people are familiar with. True they may not hold any, but the market boom at the start of this year took cryptocurrency from being a niche industry to something the ‘average joe’ is familiar with. Finally, and on a purely pragmatic level, there are now a number of companies offering the means by which businesses can start selling their products via cryptocurrency.

Why do it?

When looking at these PSPs, the first question that comes to mind is why would any company want to accept cryptocurrency? Yes, more people have a few decimal points of bitcoin lurking in a hot wallet than they did a year ago but they probably still find it more convenient to pay in dollars, pounds or dinars when they go to buy their morning coffee. The exception to that rule would be countries that are in some sort of crisis. Venezuela is a prime example of this. With a tanking economy and inflation running at 1,000,000 percent (no that’s not a typo), the country has become a major hub for cryptocurrency payment solutions. The cryptocurrency Dash has been at forefront of this. Announcing a peer-to-peer (P2P) SMS payments solution for Venezuelans last month, the company behind the cryptocurrency said that almost 2,500 merchants in the company accept Dash as a form of payment.

Across the world in Iran, another beacon of hope and freedom, US sanctions have also sped up the adoption of cryptocurrency payments. Back in July, the Trump administration put sanctions back on Iran’s banking system and, almost immediately, companies turned to cryptocurrencies for assistance. Most notably, hotels started asking for their customers to pay deposits in cryptocurrency. The Iranian government has also started encouraging cryptocurrency miners operating in the country and has plans to form its own digital asset. Given that the US has already said its sanctions on Venezuela apply to the government’s cryptocurrency Petro, which was named as “the most horrible investment ever” by a Washington Post journalist earlier this year, it’s unlikely the Iranian government cryptocurrency is going to do well.

“A cup of coffee? That’ll be BTC 0.000001 please”

Outside of Islamic states and socialist paradises crippled by economic mismanagement, some retailers in developed nations are also starting to accept cryptocurrency as a form of payment. At the end of November, for example, a Spanish coffee chain, Nostrum, announced that it would allow its coffee-drinking customers, across all of its 130 stores, to pay for their espressos in cryptocurrencies. In South Korea, where 35 percent of the population hold digital assets, a deal brokered in March of this year between exchange operator Bithumb and a local PSP, Korea Pay Services, means that locals can use cryptocurrency to pay in over 6,000 retail stores. As Spain and South Korea aren’t suffering from massive inflation or pervasive banking restrictions, this raises the question again – why do it? For Vini Armani, Co-Founder and Chief Technology Officer at CoinText, a peer-to-peer (P2P) cryptocurrency payments firm that is launching a merchant system next year, the answer is obvious.

Vin Armani – CTO and Co-Founder of CoinText

“Cryptocurrency is durable, scarce, private, counterfeit resistant, nearly free to store and use, doesn’t require third-parties, borderless, resistant to violence and offers deniability when traveling,” he told Finance Magnates. “No government’s currency can compete with those attributes – even if they’re doing ‘an ok job.’”

Suggested articles

What to Look for in a Liquidity ProviderGo to article >>

“When people have wealth in a certain form they like to spend it”

For others in the PoS space, that answer is valid but not the only reason for the growing adoption of cryptocurrency payment solutions. Speaking to Finance Magnates, Zac Cheah, CEO and Co-founder of PoS system operator Pundi X, said that other factors, whether it be widespread adoption of digital assets, a desire to stay ahead of the curve or travelling abroad, have impacted retailers’ decisions to start allowing customers to pay in cryptocurrencies.

“You are asking why a retailer would use a PoS system but you could say the same about crypto in general,” said Cheah. “If we assume economic crises precipitate cryptocurrency trading, few people would have traded in the markets. Yet they did. Some of our biggest markets include Singapore and Korea, neither of which is remotely affected by governance problems. When people have wealth in a certain form they like to spend it. But even if I take your point, [that a PoS system would only be useful in economic crises], as a given, Christine Lagarde last month called on other central banks to look at creating their own digital currencies. Take that into account and I think the need for a blockchain PoS system is much less marginal than even a sceptic would allow for.”

Zac Cheah, CEO and Co-founder of Pundi X, shows a merchants how his company’s payment system works

That may answer why a merchant would start taking cryptocurrency payments but still leaves them with a number of problems. In a corrupt country like Venezuela, performing a transaction over SMS to pay for goods probably wouldn’t be a problem. Conversely, in Spain, South Korea or the USA, the government will want to get their hands on all of the sales tax a retailer has collected. Then there are technical issues. For instance, if a client pays in bitcoin and the price fluctuates massively by the end of the day, that’s going to be a huge headache for anyone that needs – at an absolute minimum – stability in their businesses. That’s on top of worries around transaction fees, accounting systems and compliance procedures.

Loewr transaction fees

“If a transaction is for $100 worth of bitcoin, then BitPay will confirm the transaction immediately,” BitPay Chief Operating Officer Sonny Singh told Finance Magnates. “We will settle the same amount in one business day via a wireless transfer, regardless of what happens to the price of bitcoin in the meantime. The customer always pays $100 worth of bitcoin and the merchant always receives $100 USD the next business day – exactly how a Visa or Mastercard transaction is settled. Normal credit card charges range from 2 to 4 percent plus other costs, but with us you only pay 1 percent and no other costs. Credit cards also carry chargeback risks. Again, with us, there no chargebacks.”

Such a solution may put retailers’ risk-weary appetites at ease but, as noted, there are also accounting systems and tax issues to worry about. Converting a cryptocurrency into fiat currency might make that process easier but it doesn’t necessarily make retailers technological lives easier. As with BitPay, Pundi X has a number of solutions to address any potential problems in that area.

Sonny Singh, CCO of BitPay, speaks at a conference in California earlier this year

“Each device we sell is loaded with a jurisdictional GST setting allowing sales tax to be added onto any transaction – we fully comply with the laws and standards of each market in which we operate,” said Cheah. “We also have a standard backend system for merchants that integrates onto most retail accounting systems. Any shift involves some pain but retailers have their process flows down to a fine art and we’re not looking to disrupt that element of their payment systems.”

Bitcoin may have taken a beating in the past month but an overall trend towards lower volatility, and a reduction in the number of get-rick-quick traders, is a positive sign that cryptocurrencies are starting to behave like regular markets and not ponzi schemes. But if they really want to be currencies, not just a strange blend of commodity and security, they must have some practical use. PoS systems are a step in that direction. Not only will they allow existing holders of cryptocurrencies to start spending their holdings, they will continue to normalise the market and attract newcomers to it. On top of that, with no chargebacks and lower transaction fees, they could also offer retailers better value for money. If that’s the case, maybe we’ll start to see some infuriating ‘crypto enthusiast’ signs hung in shop windows this Christmas.

Source link https://ift.tt/2Ga0Wjz