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If you are a beginner in Bitcoin trading then the best advice for you is to use Bitcoin trading marketplaces like Paxful or Locabitcoins.This book is recommended if you want to learn more about Bitcoin Trading with Paxful for the first time. It provides all the precautions that you should take before you get into the Bitcoin trading business.Book: Bitcoin Trading with Paxful: Beginner's guides book
Don't hurry to invest in bitcoin before you understand how it works. If you are new to Bitcoin, it is advisable that you first watch Youtube tutorials on how Bitcoin works before you think of finding a seller.
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To invest in insurance education policy or fixed bank deposit depends the benefits that you will get at the end of it. The only reason why I recommend fixed deposit over insurance education policy is that education policy is not flexible and the returns are low (2 to 5%) (looking at it from an investment point of view). I&M has the best interest rates when it comes to Fixed Deposit (https://www.imbank.com/interest-rates) Alternatively you can invest in CBK long term bills and bonds that attract about 10% interest rate without any hidden terms.
Every Bitcoin wallet has its own advantages and disadvantages. LocalBitcoins has been around for a while and therefore we do recommend its Wallet. The best alternative of LocalBitcoins for Kenyans is Paxful. We have recommended the two because of how easy it is to find local traders on the platforms. However, proceed with caution because there are a lot of scammers in peer to peer Bitcoin trading marketplace. If you are new to Bitcoin trading then we do recommend reading this book before you get started: https://muthurwa.com/product/bitcoin-trading-with-paxful/