Trending March 2024 # Despite Chilly Crypto Winter Forecast From Coinbase, Altcoins Like Metacade Are Heating Up # Suggested April 2024 # Top 4 Popular

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Is Coinbase really right? Is another chilly crypto winter on the cards, full of ill winds, gloomy forecasts, rainy days, and cold nights? Or are there signs of sunny days, favorable winds, and brighter times ahead? Despite the chilly crypto winter forecast from Coinbase, there is evidence that certain altcoins, such as Metacade (MCADE), are starting to heat up. For sure, some sectors are feeling the cold, but there are some hot prospects out there too. Read on to find out where. 

Not all Altcoins are equal

Even if it’s right to say there’s a chilly crypto winter at the moment, it’s worth remembering that markets, like the seasons, are cyclical. As Coinbase rightly points out, institutional investors now accept that cryptos are here to stay and are prepared to take a long-term view. It’s surely only a matter of time before the crypto spring arrives, followed by a crypto summer. The hard part is predicting exactly when those changes will occur.

Coinbase outlines three key findings in its forecasts: (1) institutional investors will focus on quality, (2) a bushfire clearance will lead to new opportunities for growth, and (3) a reform of regulations and business practices will help to encourage a new era for cryptos. In fact, if you read between the lines, you could conclude that Coinbase thinks the current crypto winter is a good thing and that it will result in a brighter future, especially in the mid to long term. 

That said, even in the short term, it clearly makes no sense to tar all altcoins with the same brush. Beefed-up regulations and new business reforms are likely to have a negative effect on some players, but equally, they could give investors greater confidence to invest in other altcoins. And you only have to look at the current number of successful presales – GameFi and play-to-earn (P2E) start-up Metacade (MCADE) is a case in point – to realize that some sectors are still hot.

What is Metacade? How Metacade Works

First and foremost, Metacade (MCADE) is about giving blockchain gamers a chance to earn big from the best P2E games on the market. But that’s only one part of the equation. Gamers can also earn lucrative prizes, tokens, and rewards by entering competitions and tournaments. They can generate revenues by game testing and sharing alpha, writing reviews, and interacting with other members. Finally, they can find jobs, either with Metacade or with Metacade’s partners.

Although Metacade (MCADE) is designed by gamers for gamers, it’s also much bigger than that. For developers, Metacade (MCADE) offers a forum where they can communicate and interact directly with their target audience. It’s the perfect platform for testing and marketing new games, running paid competitions, launching new products, and recruiting new staff. Metacade also gives crypto fanatics and entrepreneurs a range of staking and investment opportunities.

It’s the interactivity, communication, and collaboration between all the different interested  parties that make Metacade (MCADE) so special. That community-based approach is enhanced by Metacade (MCADE)’s stated intention to become a DAO. It’s also demonstrated by the company’s innovative Metagrants initiative, which provides funding for the development of new games on the platform. The DAO structure means gamers help to decide which new games receive funding, plus community members are likely to receive a share of any profits from new releases.

Which Altcoins are defying expectations?

One of Coinbase’s main conclusions was that investors – especially institutional investors – would focus on quality in the crypto winter. Does that mean that Bitcoin (BTC) is the only crypto they should consider? The answer is no. The definition of altcoins is every other cryptocurrency apart from Bitcoin (BTC), so that includes long-established and high-value players like Ethereum (ETH) and Polygon (MATIC). Clearly, both these altcoins are deserving of Coinbase’s “quality” tag.

However, the label of quality does not belong exclusively to the big boys. Plenty of interesting, innovative, and inventive start-ups are worthy of the term. And just as importantly, there are certain sectors – such as GameFi and P2E – that are widely predicted to thrive. Metacade (MCADE) is one such example, and there are many more companies who are defying expectations of a long and cold crypto winter. 

Metacade (MCADE) is heating up

Although Coinbase does indeed forecast a chilly crypto winter overall, it also makes the point that investors are still willing to back quality when they see it. The success to date of the Metacade (MCADE) presale is surely proof of that point. While some cryptos are being left out in the cold, other altcoins like Metacade (MCADE) are heating up. But be quick if you want to avoid the crypto winter: the hot Metacade (MCADE) 2nd stage presale ends soon.

You're reading Despite Chilly Crypto Winter Forecast From Coinbase, Altcoins Like Metacade Are Heating Up

How And When To Change From Summer To Winter Tires

When the warm summer air gives way to the chill of an impending winter, some of you are probably thinking more about fading tans and lost beach days than you are about car care. We understand that anything related to cold weather might be a sore subject. However, snow tires (also known as “winter tires”) are tremendously important for your safety if you live in a snowy climate, and it’s important to know when to switch over to them.

The Basics

Robert Abram, product planning manager at Yokohama Tire Corporation describes the difference: “The compounding and tread designs for winter tires are altered from traditional all-season tires to maximize grip. Even the best all-season tires have compounds that get more brittle as the temperature drops, and when that happens, the tires tend to grip less. The winter tire compound remains pliable when temperatures are low, retaining grip.”

Without grip, most of your car’s safety functions–like all-wheel drive and anti-lock brakes–can’t do their jobs correctly.

Doug Brown, brand category manager for BFGoodrich Tires, agrees. “Having a second set of dedicated snow tires gives you a margin of safety and a sense of security to get where you’re going,” he says. “You will increase your ability to start on a hill, stop the vehicle and to maneuver in deep snow that can’t be achieved with conventional tires.”

Even if you have two-wheel drive, you should put snow tires on every wheel of your vehicle. Putting them only on the front wheels of a front-wheel drive car can cause spinouts or result in diminished steering capabilities in a rear-wheel drive car. Trust us, it’s worth the extra dough to do all four wheels at once.

When To Change Them

There are no clear answers as to when you should put on your winter tires, mainly because every area is hit by weather at different times and different severities. Aim for changing them when the weather worsens, but don’t wait too long. The earlier you get them changed, the less waiting at the shop you’ll have to do. Better to have them on too soon than leave it until you wake up to a few feet of snow on the ground and your car stuck for the day.

While you can technically leave winter tires on your wheels year-round, we recommend against it.

“One of the real downsides to keeping your winter tires on in the summer is that they wear out very quickly,” Abram says. “In most conditions, you can usually get three or four seasons out of them before you have to replace the winter set when you’re swapping them out with an all-season or summer tire. If you drive them year-round, the heat will wear away the specific winter tire compounds. You’ll also sacrifice some cornering and grip if you leave them on throughout the year.”

How To Change Them

When you buy winter tires, we suggest you put them on another set of rims. They don’t have to be new, or identical to the ones you already have, but they need to be the same size and have the same bolt pattern. Doing this will save you tons of time when you need to change them. Having a second set of wheels for the winter also means your nice, clean wheels will be protected during the rough weather months.

If you’ve got them on wheels already, the transition to winter tires is just like changing a tire; it’s a quick and inexpensive process. Considering that winter tires can save your life in severe winter weather, a little hassle twice a year seems largely insignificant. And if you put them on before the winter weather hits, you’ll ensure a safer winter season for you and your passengers.

This article originally appeared on DriverSide.

The Sandbox (Sand) Price Prediction: Sand Whales Are Jumping On Metacade Presale

The Sandbox is undoubtedly one of the most successful play-to-earn tokens out there today. Having already ridden The Sandbox wave, big-money investors are now looking for a new play-to-earn token that could deliver the same mind-boggling gains. 

One of these tokens is Metacade and this article will discuss where The Sandbox might end up in the next bull run, before exploring why SAND whales are starting to consider Metacade as a better alternative. 

What is The Sandbox (SAND)?

The Sandbox is an Ethereum-based virtual world that allows users to buy in-game land and develop monetisable games and experiences on their land. Each parcel of land is stored on the blockchain as a LAND NFT, meaning that land can be proveably owned and transferred with ease. The Sandbox makes it easy for players to build whatever they like on their land with the VoxEdit and Game Maker tools, which offer an entire suite of world-building development tools that can produce some stunning results.

These features have attracted some big names to The Sandbox, such as The Walking Dead, HSBC, Ubisoft, and Gucci. Each has created a unique experience, like Gucci Vault Land and the HSBC Stadium, for players to explore alongside dozens of other immersive destinations.  

The Sandbox (SAND) Price Prediction

During the 2023 bull run, The Sandbox’s native token, SAND, reached a high of $8.48. Today, it trades for around $0.55, breaking key support found before SAND’s huge run-up. In the short term, expect SAND to fall further to around $0.37. Once a new bull run in SAND starts, the area between $3.20 and $3.90 will likely pose some resistance. 

After this area is cleared, $5.80 to $7 is expected to be an area of trouble for SAND. However, once this resistance is broken through, SAND will likely begin to seek new highs. Conservatively, the next bull run might see SAND top out between $14 and $15.50, offering potential 27x returns on today’s prices. More optimistically, SAND could peak around $19 to $20 if things go well – a whopping 35x return!

What is Metacade (MCADE)?

Right now, the gaming industry is directed by a handful of large companies that are intent on extracting as much value from their players as possible. Metacade is turning this model on its head, putting user value and ownership above all else. This echoes The Sandbox’s philosophy and is likely why SAND investors are getting so excited about the Metacade presale. 

What’s Drawing SAND Investors to The Metacade (MCADE) Presale? Community Rewards

When you write a review, share tips with other players, or post other useful content for others to learn from, it’s typically the platform that benefits the most. After all, this information is likely to attract new players and grow a community. But what if some of that added value went straight back to players? In the Metacade, it does! Each time you post a review, offer some tips or make a valuable contribution to the community, you’re rewarded with the MCADE token for your role in growing the platform.

Funding the Best Play-to-Earn Titles

One feature creating a buzz amongst SAND investors is the Metagrant. Metagrants offer a way for the community to fund the play-to-earn games they believe deserve to be built in a competition-based format. In each Metagrant competition, developers add their idea for MCADE holders to vote on, with the winner being allocated funding from the Metacade treasury to help turn their dream into a reality. Once the game is ready for launch, it’ll be added to Metacade’s virtual arcade alongside dozens of other community-backed titles. 

Becoming Entirely Community-Owned

To fulfill its vision of true community ownership, Metacade plans to become a decentralised autonomous organisation (DAO) once development of the platform is complete. From here, community members will step up to become responsible for implementing decisions made by MCADE holders. Each key decision affecting the community, like new features, partnerships, tokenomics, and more, will be put to a vote for Metacade users to determine. In the process, they’ll be participating in the world’s first player-owned virtual arcade.

It’s No Wonder SAND Whales Are Interested in Metacade (MCADE)

Considering one of The Sandbox’s core tenets is user ownership, it’s easy to see why SAND whales are getting in early on the Metacade presale. They’re likely already aware of the incredible growth play-to-earn is expected to see over the next few years (10x the rate of regular gaming, according to chúng tôi and how important community spaces are to gamers, which provides an excellent fundamental backdrop for Metacade to rocket as more gamers flock to play-to-earn gaming. 

While the optimistic case for The Sandbox is 35x in the next bull run from current prices, gems like Metacade often increase much more from their presale prices – sometimes as much as 100x! Given all of the reasons mentioned to be bullish on Metacade, it seems like SAND whales are making a wise move getting in early on MCADE.

If you think these whales might be on to something, then you’ll want to check out the Metacade presale before it’s too late, especially when you can get more than double your long-term returns simply by being one of the earliest investors in Metacade. That’s because, in phase 1 of presale, you could get 125 MCADE for $1. In phase 9, you’ll get just 50 MCADE for that same $1. Take a leaf out of the smart money playbook and join the Metacade presale today!

Monthly Cash Flow Forecast Model

Monthly Cash Flow Forecast Model

Inputs, assumptions, processing, and outputs in a cash flow forecast model

Written by

CFI Team

Published April 1, 2023

Updated July 7, 2023

Monthly Cash Flow Forecast Model

With a rolling monthly cash flow forecast, the number of periods in the forecast remains constant (e.g., 12 months, 18 months, etc.).  The forecast is rolled forward every time there is a month of historical data to input.  Rolling forecasts work best when key cash flow drivers are modeled explicitly and directly drive forecast cash flow inputs.  We’ll look at the structure of a robust and flexible monthly cash flow forecast model for a retail store business in the following sections.

Inputs and Assumptions

Here are five important points to creating a strong input section for a cash flow forecast model:

Image Source: CFI’s FP&A Monthly Cash Flow Course.

1. Key cash flow drivers should be modeled explicitly.

In our example, a retail store business should start with the number of stores it plans to operate each month, then build up from there, based on the number of square feet and sales per square foot.  This will help the business to compute its revenue.

2. Inputs should only need to be input once.

It is important to group all inputs in the assumptions section so users can easily find, add, and modify them.

3. Inputs should be organized logically.

This helps users of the model to quickly understand and update the model when they first jump into it.

4. All model inputs should be of the same color.

Using identical colors for inputs allows users to easily distinguish between inputs and other calculated outputs.  Most financial models use a blue font or yellow shading for inputs, and black font for formulas.

5. Document your sources for model inputs where possible. Processing

The processing section of a cash flow forecast model is located on the right-hand side of the historical results.  All cells in this section should be in formulas.

Image Source: CFI’s FP&A Monthly Forecasting Course.

1. Model calculations and processing should be transparent and easy-to-follow.

Use step-by-step calculations that are short in length. If the formulas are becoming too long, it is always a good practice to break them down into simple steps to allow efficient auditing and updates.

2. Hard-coded calculations should be avoided.

Everything to the right of the historical results should not be hard-coded.  All calculations should draw on explicit input drivers.

3. Put complicated calculations and processing on a separate worksheet.

Keep only the final figures on the output worksheets, and separate long and complicated formulas and calculations on another section of the model or worksheet.

4. Document how and why complicated calculations are structured.

This allows easy usability and audit-ability and brings confidence to the general process. All formulas should be transparent, clear, and well-documented so people can easily understand how the model works.


The output section contains all the important figures we would like to get out of a cash flow forecast model.

Image Source: CFI’s FP&A Monthly Financial Modeling Course.

1. Models outputs should be easy to find and understand. 2. Model outputs should be grouped logically in one area.

Outputs are typically placed at the bottom of the cash flow model and grouped together using the Grouping function in Excel.

3. Model outputs should be formula-driven with no hard-coding. 4. Outputs should provide key results to aid decision-making.

Charts and graphs summarize the health of the business, point out any issues that need to be considered or addressed, and make it easy for executive management to understand what is going to happen over the period of the forecast and, thus, make important decisions.

Categories of Cash Flow Forecast

A rolling monthly cash flow forecast can be derived from a balance sheet and income statement driven by explicit inputs.  There are three categories of cash flow forecast:

Operating cash flows forecast

Starting with net income from the income statement, add back any non-cash expenses that are included in the income statement such as depreciation from the PP&E breakdown.

Adjust for changes in operating assets and liabilities (or working capital). Examples of working capital are trade and other receivables, inventories, and trade and other payables.

Forecast working capital using working capital ratios such as receivable days, inventory days, and payable days. For a monthly cash flow forecast, the following ratios should be used:

Monthly accounts receivable = Receivable days 30 * Sales

Monthly accounts payable = Payable days 30 * Cost of sales

Monthly inventory = Inventory days 30 * Cost of sales

Investing cash flows forecast

Cash outflows include money invested in property, plant, and equipment (PP&E) in the form of capital expenditures or acquisitions of new businesses.

Cash inflows include proceeds from disposals of PP&E or businesses.

Financing cash flows forecast

Cash inflows include cash raised by issuing equity or debt.

Cash outflows include cash used to repurchase or repay equity or debt, and dividends paid out.

Related resources

Why Some Cats Look Like They Are Wearing Tuxedos

From Sylvester in Looney Tunes to Mr. Mistoffelees in the 1980s musical, some of the most famous (albeit fictional) cats share a distinctively sharp appearance thanks to their black and white tuxedo-style coats. Cats with skin and fur marked by white patches in this way are known as bicolor or piebald. Piebaldism is also common in a range of domestic and farm animals including dogs, cows and pigs, deer, horses, and appears more rarely in humans. It is caused by a mutation in a gene called KIT.

Our team of researchers from the universities of Bath, Edinburgh and Oxford have been working to unlock the mystery of how these animals get their distinctive patterns. We have discovered that the way these striking pigment patterns form is far more random than originally thought. Our findings have implications for the study of a wide range of serious embryonic disorders in humans, including diseases affecting hearing, vision, digestion, and the heart.

Stunning patterns

Piebaldism usually manifests as white areas of fur, hair or skin due to the absence of pigment-producing cells in those regions. These areas usually arise on the front of an animal, commonly on the belly and the forehead. Piebald patterns are among the most striking animal coat patterns in nature.

Although the effects of piebaldism are relatively mild, it is one of a range of more serious defects called neurocristopathies. These result from defects in the development of tissues and can manifest as heart problems, deafness, digestive problems and even cancer. The diseases are all linked by their reliance on a family of embryonic cells called neural crest cells. By understanding piebaldism better, we can improve our understanding of these related and more serious diseases.

Chimaeric stripes

Animals acquire piebald pigmentation patterns on their skin when they are still developing embryos. Piebaldism arises when the precursors of pigment-producing cells spread incorrectly through the embryo. In normal development, pigment cells start near the back of the embryo and spread through its developing skin to the belly. As the cells spread they also multiply, creating more cells, some of which are left behind to ensure all the skin is pigmented.

With piebaldism, however, the darkly coloured pigment cells don’t make it as far as the belly in time to pigment the hair and skin. This results in distinctive white patches of fur and skin, usually around the belly of the animal, the furthest point from where they started. It has long been thought that pigment cells migrate directly from the back to the front and that the lack of pigmentation at the front is due to pigment cells not moving fast enough.

However, our findings, published in Nature Communications, paint a different picture. We found that, if anything, cells in piebald animals migrate faster than in normal animals, but that they don’t divide as often. This means that there simply aren’t enough cells to pigment all the areas of the developing embryo.

Cells starting near the back of the embryo migrate around to the front. Richard Mort

Chimaeric animals develop from a fusion of two early-stage embryos. If the original embryos would have been differently coloured (for example, black and white), the chimaeric animal often has striped or patchy coat patterns, a mix of the two colours. Previously, the predominant theory was that each stripe was created by a small number of initiator cells that spread from back to front.

Our study used a combination of biological experimentation and complex mathematical modelling to demonstrate that pigment cells migrate randomly. Rather than moving in a specific direction like the sprinters in a 100-metre race, the cells move with little or no persistence, like drunks staggering out of the local bar at closing time. The striped patterns seen in some chimaeric mice may simply be the result of several groups of cells of the same colour coming together by chance.

Using our mathematical model, we can explore and evaluate a huge range of possible alternative biological hypotheses for pattern formation. This gives us a deeper understanding that would be impossible with experiments alone. It also means we could reduce the number of animals used in experiments in this important research area.

Excitingly, there is now the potential to use the same mathematical model to investigate other cell types during early development. This creates a new opportunity to learn more about medical conditions linked to early cell positioning, including those that give rise to certain types of cancers of the nervous system and other debilitating diseases such as Waardenburg syndrome, Hirschsprung disease and Ondine’s curse, a respiratory disorder that is fatal if left untreated.

This article was originally published on The Conversation. Read the original article.

Are Instant Messaging Apps Like Slack An Instant Productivity Killer?

We’ve all heard it before: “Remote work is the new normal.” Virtual meetings have become common place across the business landscape and an increasing number of employees are opting for pajamas over business casual on a daily basis.

While the remote work boom has seen a wide range of benefits for businesses and employees alike in recent years, there have been some downfalls that need to be addressed. The security of remote work is one thing but being constantly available to your team could actually be having a negative impact on your productivity.

To get a better understanding of how instant messaging might be getting in the way of working on your own schedule, we talked with Noa Elan, the head of marketing for Bubbles — a business communication platform that employs videos and screenshots to encourage collaboration on a more manageable timeline — about the importance of working on your own schedule, the value of truly ‘async’ business tools, and the current state of remote work. Read on to learn more about her insights on remote work and to get an inside look at the Bubbles platform.

The Current State of Remote Work

Remote work has been great for improving work life balance for millions of employees around the world. Still, there are notably some downfalls that need to be addressed via technology, namely the ability to collaborate with your co-workers in a way that doesn’t significantly impede on your own time.

“There have been a lot of benefits of remote work, including equity, diversity, and generally allowing people to live their best life. In terms of collaboration, though, we’ve gone downhill.” – Noa Elan, Bubbles head of marketing

While tools like Slack, Microsoft Teams, and other instant messaging platforms have made business communication easier, the reality is that employees feel it necessary to respond immediately to requests, rather than on their own time. While this may keep the cogs of business moving, the ability to get in a groove to accomplish meaningful work likely takes a hit when you’re constantly available.

“You’re continually stretched with tools that require you to react in real time. You’re continuously being pulled between the conversation you’re in, the Slack that you’re getting, and the actual work that you need to get done, so you end up dreading working with people, because they drain that time even more.”

Considering 75% of workers have reported feeling burnt out over the last few years, it’s safe to say instant message could be making employees feel like they are never off the clock. That’s where a truly asynchronous platform like Bubbles can help.

An Async Future

Elan mentions on multiple occasions that Bubbles is a truly async platform, but what exactly is async?

“Async means that you’re truly able to continue a thread of conversation even when people aren’t doing so in real time, over the course of hours or even days.”

In so many words, async platforms are designed to give you the time to respond in a manner that works with your schedule. However, while tools like Slack and email are considered async by many, the reality is that the average user is not using them in that way.

“People think that async is anything that isn’t a Zoom meeting or an in-person meeting. But the truth is that most tools today aren’t async at all.”

While employees aren’t necessarily required to respond to instant messages and emails in a timely manner, the pressure to do so is clearly present. In fact, a survey from Microsoft found that 50% of employees respond to business chats within five minutes, which hardly sounds like working on your own time. Subsequently, it can be pretty hard to get in a groove with work when you’re constantly available to everyone you work with.

“The challenge with [non-async tools] today is that you’re constantly multitasking, so you aren’t getting any meaningful work done.”

If you’ve ever tried to get any work done while being pulled in a million different directions, you know that this kind of setup isn’t tenable for productivity. Unfortunately, modern day business tools are geared towards this kind of “always available” workday and is likely contributing to poor productivity or worker burnout.

Getting Your Time Back

So how do we fix the problem? We have to fix our tools. Remote and hybrid work models are not going anywhere, as employees have found it substantially increases work life balance while providing flexibility for workers and businesses alike.

However, rethinking and retooling our pre-pandemic business tools to better accommodate those working from home could allow employees to regain some of their own time, allowing them to get work done on their schedule. Because with the right async tool, you can actually feel productive without the looming threat of an instant message.

“Async tools allow you to do real, meaningful work, because it lets you take a step back and have a conversation on your own time.”

As Elan points out, this is where Bubbles really shines. Combining tools like video chat and messaging with more async features found in document editing collaboration software allows users to take work in their own time, rather than feeling the rush of instant messaging bearing down on them.

In fact, Elan notes that while the company is based in the continental US, she works in Hawaii, and Bubbles allows her to feel like she’s still part of the team without having to wake up at four in the morning to contribute. As Elan so eloquently put it:

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