Miércoles, 17 Febrero 2021 23:31

Item2Finanzas

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Las finanzas corresponden a un área de la economía que estudia la obtención y administración del dinero y el capital, es decir, los recursos financieros. Estudia tanto la obtención de esos recursos (financiación), así como la inversión y el ahorro de los mismos.

Las finanzas estudian cómo los agentes económicos (empresas, familias o Estado) deben tomar decisiones de inversión, ahorro y gasto en condiciones de incertidumbre. Al momento de elegir, los agentes pueden optar por diversos tipos de recursos financieros tales como: dinerobonosacciones o derivados, incluyendo la compra de bienes de capital como maquinarias, edificios y otras infraestructuras. Ver diferencia entre ahorro e inversión.

Los intermediarios financieros son los agentes dedicados a poner en contacto las dos partes de las finanzas, los ahorradores y los que necesitan financiación.

Las finanzas ayudan a controlar los ingresos y gastos, tanto al Gobierno, a las empresas, como a cada uno de nosotros. Tener un buen control de las finanzas nos permite gestionar mejor nuestros recursos, conociendo al detalle todos los ingresos y gastos, para tener un mayor control sobre ellos mismos.

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  • Comment Link JosephPep Martes, 06 Mayo 2025 23:53 posted by JosephPep

    In the past, Bitcoin Laundry was one of the most popular Bitcoin mixers available in the cryptocurrency world. The first of its kind, this bitcoin mixer was shut down temporarily before returning to limited service. Nowadays, Bitcoin Laundry is primarily used to facilitate anonymous individual transactions. Yomix : Zero-log policy Bitcoin Laundry : Uses stealth pools to anonymize transactions Bitcoin Mixer : It offers flexible transaction fees and a low minimum transaction limit Coin Mixer : Fast payouts Mixero : Excellent customer support 1. Yomix - Zero-log policy This platform can work not only as a toggle switch, but also as a swap, that is, you can clear your coins and change the cryptocurrency to another when withdrawing, which further increases anonymity. As a Bitcoin mixer, this platform provides the ability to set a custom commission: the higher the commission, the better the privacy. There is also a time delay option that increases the level of anonymity by delaying the transaction by 24 hours. The service has an impressive supply of coins, so your transactions are made instantly, as soon as confirmation of the receipt of coins arrives, unless you manually set time delays. The minimum deposit is 0.01 BTC per transaction. Any smaller amount is also accepted, but is considered a “donation” and is not returned to Yomix customers. Finally, they also have a no log policy.What marks Yomix out from the crowd is the fact that this crypto mixer is able to process transactions for Bitcoin and Litecoin. There is a minimum deposit requirement for both Bitcoin and Litecoin. The site is able to support a maximum of 5 multiple addresses with confirmation required for all addresses. No site registration is required and there is a referral program in place. Additionally, Yomix can provide clients with a letter of guarantee.And last but not least, there is a coin mixer with a number of cryptocurrencies to tumbler named Yomix. At the moment, there are three currencies and Ethereum is going to be represented in future. This mixer offers a very simple user-interface, as well as the opportunity to have control over all steps of the mixing process. A user can select a delay not just by hours, but by the minute which is very useful. The tumbler gives the opportunity to use a calculator to understand the amount of money a user finally receives. The service fee is from 1 % to 5 % with fees for extra addresses (0.00045529 BTC, 0.01072904 LTC, and 0.00273174 BCH). Having funds from different resources helps the crypto mixer to keep user’s personal information undiscovered. This last mixer does not offer its users a Letter of Guarantee.Yomix is being listed at the #1 spot here, well that’s not without substance. The top reasons why I’m in love with this Bitcoin tumbler is because it’s fast, takes care of our anonymity and privacy, and has a very negligible fee. Smartmix bitcoin mixing service The payout is almost instant, all it needs is 2 confirmations for the dirty coins being sent in to be cleaned or tumbled. No account needs to be created to clean your coins either. They have advanced options which let you set “delayed payouts” which further increase your anonymity and make it hard to link the coins going inside to the coins coming out. There’s even an option to add up to 5 addresses, so your coins are broken down into 5 different parts and sent to the different addresses again adding another layer of anonymity. The minimum amount too is pretty low being just 0.001BTC while the maximum limit is 15.32BTC. It’s pocket-friendly as well, with the fee being just 0.5% per mix + 0.0001BTC/address, in fact, it probably is one of the lowest fee in the industry altogether. As for anonymity, they delete all logs related to your mix after 7 days which finally erases the last thread which could ever be linked back to you. So yes, enough reasons to list it at the #1 spot, don’t you agree? Pros: It has a positive reputation among the Bitcoin communityIt has a positive reputation among the Bitcoin community 2. Bitcoin Laundry - Uses stealth pools to anonymize transactions Bitcoin Laundry is a btc shuffle service needed to hide your transfers in the bitcoin world. Bitcoin Laundry currently has a minimum withdrawal threshold of 0.03500000 BTC, so users are advised to deposit more than the entry threshold plus commission, otherwise they will not be able to withdraw funds. The client is asked to set 5 exit addresses. If for some reason, even after a delay of two hours, the user’s balance is not updated, the mixer can contact the support service to take action. For customers who have been inactive for several days, it can take up to 15 minutes after logging in before you see outstanding deposits. Transaction histories are automatically deleted within 1 week after that. The program runs on a dedicated server that is openly connected via the Internet (you don’t need to do this when using the Tor browser). The Bitcoin mixer is launched on another machine, all suspicious activity is monitored, and the website is automatically protected in case of any indication that it is under DDoS attack.In the past, Bitcoin Laundry was one of the most popular Bitcoin mixers available in the cryptocurrency world. The first of its kind, this bitcoin mixer was shut down temporarily before returning to limited service. Nowadays, Bitcoin Laundry is primarily used to facilitate anonymous individual transactions.Bitcoin Laundry is being listed at the #1 spot here, well that’s not without substance. The top reasons why I’m in love with this Bitcoin tumbler is because it’s fast, takes care of our anonymity and privacy, and has a very negligible fee. Smartmix bitcoin mixing service The payout is almost instant, all it needs is 2 confirmations for the dirty coins being sent in to be cleaned or tumbled. No account needs to be created to clean your coins either. They have advanced options which let you set “delayed payouts” which further increase your anonymity and make it hard to link the coins going inside to the coins coming out. There’s even an option to add up to 5 addresses, so your coins are broken down into 5 different parts and sent to the different addresses again adding another layer of anonymity. The minimum amount too is pretty low being just 0.001BTC while the maximum limit is 15.32BTC. It’s pocket-friendly as well, with the fee being just 0.5% per mix + 0.0001BTC/address, in fact, it probably is one of the lowest fee in the industry altogether. As for anonymity, they delete all logs related to your mix after 7 days which finally erases the last thread which could ever be linked back to you. So yes, enough reasons to list it at the #1 spot, don’t you agree?This platform can work not only as a toggle switch, but also as a swap, that is, you can clear your coins and change the cryptocurrency to another when withdrawing, which further increases anonymity. As a Bitcoin mixer, this platform provides the ability to set a custom commission: the higher the commission, the better the privacy. There is also a time delay option that increases the level of anonymity by delaying the transaction by 24 hours. The service has an impressive supply of coins, so your transactions are made instantly, as soon as confirmation of the receipt of coins arrives, unless you manually set time delays. The minimum deposit is 0.01 BTC per transaction. Any smaller amount is also accepted, but is considered a “donation” and is not returned to Bitcoin Laundry customers. Finally, they also have a no log policy. Pros: User-controlled time delaysSecure Exchange 3. Bitcoin Mixer - It offers flexible transaction fees and a low minimum transaction limitAnother solid Bitcoin Tumbler option, Bitcoin Mixer requires a minimum deposit of 0.01 BTC to be made but makes up for this with a lower transaction fee of 2% coupled with a 0.0004 BTC network fee. Support for multiple addresses and customer options is provided with users required to provide confirmation for only 1 address. While there is no referral program available, Bitcoin Mixer does offer users with a letter of guarantee for their peace of mind.This Bitcoin Mixer also supports Bitcoin and other cryptocurrencies like Ethereum, Bitcoin Cash, and Litecoin bearing no logs policy. It requires a minimum deposit of 0.005 BTC, 0.01 BCH, 0.1 ETH, 1 LTC, and the transaction fee is 0.5% plus 0.0005 for each extra address. It supports multiple addresses of up to 10 and requires confirmation from 1 to 50. No registration is required and it does offer a referral program. Also, it comes with a letter of guarantee.Bitcoin Mixer is one of the best Bitcoin Tumbler services, that I’m stating based on my personal experiences and the positive reviews of other users on the Internet. It works both as a Bitcoin Tumbler, as well as a swapper, meaning you can clean your coins, and receive them in a different cryptocurrency as well which further adds to their anonymity. As a Bitcoin Tumbler, they let you set a custom service fee, the higher this fee is, the better your coins are anonymized. There’s a time-delay option as well which let’s you add an extra layer of protection by delaying your transaction by up to 24 hours, so you receive your coins not instantly but at a later time set by you. As of now, it supports the following coins: Bitcoin Ethereum Bitcoin Cash Litecoin The minimum fee of mixing coins for Bitcoin is 0.8% + 0.0008BTC / forwarding address. Note that there is a minimum transaction limit of 0.01BTC/transaction, and anything below that limit is still accepted but considered “donations” and hence isn’t returned to the senders. As for confirmation, it needs 1 confirmation before it cleans your Bitcoins. And the time needed for the whole process is generally instant, except when you’ve manually specified a time-delay. Also, obviously there also is a “Guarantee certificate” which helps you resolve any future conflicts and issues. It also features a “no logs policy” like all the other Bitcoin Tumbler services on this list, and automatically deletes your order history and all the other data after 24 hours. Well, this is just one of the many available Bitcoin Tumbler services, so let’s head over to the other available options.This is by far the most unique Bitcoin Mixer I’ve ever encountered till date; that’s so pertaining to its “Time-travel” feature! (Whoa!) Basically instead of operating on the traditional receive unclean coins > send clean coins process, it instead uses a create wallet > fund it with chips beforehand > receive unclean coins > grant access to the pre-funded wallet process! This lets users spend the clean coins even before the unclean coins were sent to the mixer (because the wallet was pre-funded) and that’s the reason I termed it the time-travel mixer. Also it funds the wallets with “chips” which are not the same thing as Bitcoins, they’re basically the private keys which can be exported to your Bitcoin wallets to fund your wallets with the amount the chips were worth. It also lets users bet their Chips which has a chance of doubling the worth of their chips, other advanced features include merging which lets users combine two big chips into one single chip, or splitting which divides one big chip into two smaller chips. Its fee structure too is an unique- “Pay what you like” feature, which not only adds to user anonymity by randomizing the fee but also makes the service more affordable and customizable. Because users completely control when or how much funds they wish to withdraw, it translates into 100% user control on time-delays and distribution control. No logs are kept after a 7-day retention period; or there also is an option to manually scrub all logs whenever you wish prior to this 7-day period. The minimum deposit limit on the platform is 0.0001BTC. Pros: Allows extra payout addressesExcellent customer support 4. Coin Mixer - Fast payouts Coin Mixer has a Bitcoin reserve of its own, consider it a chain of Bitcoins, when you send your BTC to Blender.io it sends your coins to the end of the chain and sends you fresh, new, unlinked coins from the beginning of the chain. Hence there’s no link between the coins going in, and the coins coming out. Hence the public ledger would only be able to track the coins going from your wallet to the address of Blender.io but no further. Blender.io doesn’t require you to signup, register, or provide any kind of detail except the “receiving address”! That’s the only thing it needs, there can’t be a better form of anonymity if you ask me. Since you provide no personal details, there’s no way your identity can be compromised. Nor can it be linked back to you, since Coin Mixer doesn’t know who you are. Blender.io is one of the most accommodating tumblers in this sense as well, most other tumblers offer 3-4 sets of delays, Blender.io offers as many as 24, yes one for each hour. It also lets you add as many as 8 new addresses for each transaction (most other tumblers allow no more than 5 addresses).Let’s take a look at another one of the leading bitcoin mixers which is incredibly easy to operate. Coin Mixer has a straightforward interface and it is worth mentioning that the service fee is the lowest possible, it is 0.0% with 0.0002 BTC per extra address. Retention period is 7 days when it is easy for a user to manually remove all the logs which are saved for this period because of any future transaction-related problems. There is a time-delay feature, however, it is not possible to be controlled by a user but the mixing platform only.And last but not least, there is a coin mixer with a number of cryptocurrencies to tumbler named Coin Mixer. At the moment, there are three currencies and Ethereum is going to be represented in future. This mixer offers a very simple user-interface, as well as the opportunity to have control over all steps of the mixing process. A user can select a delay not just by hours, but by the minute which is very useful. The tumbler gives the opportunity to use a calculator to understand the amount of money a user finally receives. The service fee is from 1 % to 5 % with fees for extra addresses (0.00045529 BTC, 0.01072904 LTC, and 0.00273174 BCH). Having funds from different resources helps the crypto mixer to keep user’s personal information undiscovered. This last mixer does not offer its users a Letter of Guarantee.Coin Mixer is one of its kind and requires special mention. It supports Bitcoin cryptocurrency and is clearly unknown on the point of no logs policy. It requires a deposit of at least 0.01 BTC and the transaction fee is 2% along with the 0.0004 BTC network fee. It supports multiple addresses of up to 10 and requires confirmation of 1. No registration is required and it does not offer a referral program. However, the letter of guarantee is provided. Pros: Customizable mixing settings for better anonymityUses stealth pools to anonymize transactions 5. Mixero - Excellent customer support Mixero is a very impressive service if you want to maintain your anonymity when you make purchases online. It can also be useful if you want to do p2p payments and donations. The service is used to mix a person’s funds and give this person some fresh bitcoins. The focus here is on making sure that the blender has the ability to confuse the trail as somebody could try to figure out the source. The best mixer is that one that keeps your anonymity at a max. You want each bitcoin transaction to be very hard to trace. This is where using our bitcoin mixing service makes a lot of sense. Protect your income and personal information becomes much easier. The reason why you want to use our service is because you want to hide your coins from hackers and third-parties. They can do a blockchain analysis, they may be able to track your personal data to steal your bitcoins. With our bitcoin tumbler, you don’t have to worry about that anymore.Mixero offers a good number of features and has a no logs policy. To get started, you’ll need to deposit a minimum of 0.0015 BTC with no transaction fees charged. As an added plus, Mixero supports multiple addresses with a maximum of 5. You won’t have to register to use this service – which is great for those who prize their privacy. However, the site does not offer a referral program.Mixero is one of the best Bitcoin Tumbler services, that I’m stating based on my personal experiences and the positive reviews of other users on the Internet. It works both as a Bitcoin Tumbler, as well as a swapper, meaning you can clean your coins, and receive them in a different cryptocurrency as well which further adds to their anonymity. As a Bitcoin Tumbler, they let you set a custom service fee, the higher this fee is, the better your coins are anonymized. There’s a time-delay option as well which let’s you add an extra layer of protection by delaying your transaction by up to 24 hours, so you receive your coins not instantly but at a later time set by you. As of now, it supports the following coins: Bitcoin Ethereum Bitcoin Cash Litecoin The minimum fee of mixing coins for Bitcoin is 0.8% + 0.0008BTC / forwarding address. Note that there is a minimum transaction limit of 0.01BTC/transaction, and anything below that limit is still accepted but considered “donations” and hence isn’t returned to the senders. As for confirmation, it needs 1 confirmation before it cleans your Bitcoins. And the time needed for the whole process is generally instant, except when you’ve manually specified a time-delay. Also, obviously there also is a “Guarantee certificate” which helps you resolve any future conflicts and issues. It also features a “no logs policy” like all the other Bitcoin Tumbler services on this list, and automatically deletes your order history and all the other data after 24 hours. Well, this is just one of the many available Bitcoin Tumbler services, so let’s head over to the other available options.This platform can work not only as a toggle switch, but also as a swap, that is, you can clear your coins and change the cryptocurrency to another when withdrawing, which further increases anonymity. As a Bitcoin mixer, this platform provides the ability to set a custom commission: the higher the commission, the better the privacy. There is also a time delay option that increases the level of anonymity by delaying the transaction by 24 hours. The service has an impressive supply of coins, so your transactions are made instantly, as soon as confirmation of the receipt of coins arrives, unless you manually set time delays. The minimum deposit is 0.01 BTC per transaction. Any smaller amount is also accepted, but is considered a “donation” and is not returned to Mixero customers. Finally, they also have a no log policy. Pros: It offers flexible transaction fees and a low minimum transaction limitFast payouts

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