11/15/16

Altcoin Review – PESOBIT – Making Remittance easier worldwide!

PESOBIT REVIEW

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As we all know banks and other remittance companies like Western Union charge an arm and a leg for transfers to worldwide destinations. Many people around the world have been migrating to distant lands to work and send money home to their families for a better life. Sending money back home to countries such as the Philippines has been a very expensive process in the past but now, with the advent of PESOBIT, a digital currency especially formulated for FILIPINOS WORLDWIDE to use in their daily transactions, is making it much more cheaper and easier to send money home! Cutting the cost of transaction fees is a huge boon for daily commerce and for personal transactions and will also be rewarding  to users and holders in more than just one single way.

 

Long term holders who hold PESOBIT in their desktop wallets will be able to receive an annual POS reward of 5% per annum which actually increases by compounding daily amounts of POS rewards that drop into the wallet. Unlike banks, PESOBIT spits the rewards daily so you actually end up earning more than 5%

Purchasing PESOBIT is easy and you can do that via one of the participating exchanges and now with mobile technology at hand, everything can be done using your mobile applications and phones, so even on the go you can do PESOBIT transactions!

Using PESOBIT will save FILIPINOS millions of dollars every year in fees and there are much more awesome things in the pipeline being created into the PESOBIT infrastructure by the Development team. Great new products such as debit cards and eCommerce shopping cart payment modules will be additions to this great new way of dealing with monetary transactions.

PESOBIT, although created for the Filipinos in mind, is an international digital currency that can be bought and sold and hoarded by Crypto Enthusiasts around the globe and as we know Filipinos have a very strong hardworking  ethic, so we should see great progress with the PESOBIT DIGITAL CURRENCY! So owning and holding some PESOBIT  as part of one’s investment portfolio would be a great way to leverage against the the constant losing of value of fiat currencies.

You can open your PESOBIT WALLET here:  https://wallet.pesobit.net/

 

PESOBIT SPECIFICATIONS

 

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Here are the specifications for PESOBIT Digital Currency:

POW/POS
Last POW block: 10,000
Total coin after POW: 20.5 million
Inflation: 5%
16 million will be distributed during ICO.
700k bounties
300k pre-ICO supporters
3 million for future development of the services

PESOBIT LINKS

 

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Here is a list of links and useful places where you can find more information on the PESOBIT project and also check on future developments as they come into play and enhance the PESOBIT PLATFORM that is making headway in the FILIPINO Remittance world and internationally of course! Stay tuned also here at CRYPTOSPHERE as we will be posting future updates as well.

 

MAIN WEBSITE

WALLETS

BITCOINTALK FORUM

TWITTER

FACEBOOK

INTRO VIDEO

 

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06/3/16

Altcoin REVIEW: GOLDBLOCKS – building your wealth through GOLD AND CRYPTO

GOLDBLOCKS REVEW

 

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There has never been a time in our modern day history where so many people in the world today are waking up to the biggest scam and ponzi of all time; FIAT CURRENCY. Now the demand for gold, which is both money and a store of wealth/commodity, is at an all time high and the demand is getting to insatiable amounts. China  and India especially are amassing tons of the precious metal and now individuals around the globe want their stake in it.

GOLDBLOCKS has arrived on the Crypto Scene to build a bridge between digital currency and gold bullion and is offering a great service and product : BULLION SALES and a digital currency backed by it! Yes! You will be able to purchase gold and be rewarded an extra big bag of GOLDBLOCKS digital currency, thus giving you a lot more bang for your buck once the GOLDBLOCKS WEBSITE is completed shortly. There will only be a maximum supply of of 50 million GOLDBLOCK Coins so this is also has a finite supply, just like its counterpart – gold. There is a POW phase going on right this minute also which gives the go ahead to miners to reap the rewards of their hard labor and get into the precious coin quick before the masses reach it.

What I like really best about the Development Team is that they are not in a hurry to get the GOLDBLOCKS onto an exchange fast, which means they are really looking long term into their project to give it intrinsic value. This is very rare in Crypto today so it is a good time to stock up on some and let it sit in the wallet for a nice medium to long term appreciation in value.

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This is what you get investing in GOLDBLOCKS AND GOLD:

for $100 worth of bitcoin you receive : 1  gram GOLD BAR plus 5,000 GOLDBLOCKS (GB)

for $200 worth of bitcoin you receive:  2.5 gram GOLD BAR plus 10,000 (gGB)

Gold will be shipped anywhere in the world it can be legally sent to. As the DEVS will be purchasing GOLDBLOCKS from the exchanges to give investors, this will constantly boost the price of GOLDBLOCKS as well, giving all round value and long term appreciation for all invested in this project. Prices for the above may change as gold and coin prices will fluctuate to reflect current market activity, so early birds will clearly get the advantage here.

GOLDBLOCKS SPECIFICATIONS

 

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Here are the technical specifications for GOLDBLOCKS..

Ticker: GB
Algo = X11
Block time 60 sec
Confirmations Minted: 100
Confirmations Sent: 3
TX Fee: 0.0001 GB
POW Coin Supply 24.700.000
Max Money 50.000.000

POW – PROOF OF WORK REWARDS

0 – 200 = 0.8% premine
201 – 5000 = 1000 GB
5001 – 10000 = 500 GB
10001 – 50000 = 100 GB
50001 – 100000 = 50 GB
100001 – 500000 = 20 GB
500001 – 1000000 = 5 GB

POS – PROOF OF STAKE REWARDS

Minimum stake 24

No maximum stake

Block 1 – 525600 = 5GB

After Block 525600 = 10%
There is a functioning block explorer and also the wallet is looking top notch and extra bells and whistles will be added in due course.

GOLDBLOCKS BOUNTIES AND COMMUNITY

 

GOLDBLOCKS DEV Team is happy to announce generous rewards and bounties for those who wish to get involved in GOLDBLOCKS in whatever capacity is required and according to their talents, so if you have some skills and talent required by the GOLDBLOCKS TEAM, don’t hesitate to check the bounties available below and see if they apply to you. Also I may add that the Bitcointalk thread is extremely lively and active, predominantly with miners at the moment but investors too are showing a keen interest, including myself to purchase both the gold and coins! There is also a fully functioning faucet for those who want to collect some GOLDBLOCK drips into their wallet.

GOLDBLOCK BOUNTIES:

Every good translation 500 GB
Every good blog article 1000 GB
Mac wallet 5000 GB
Pi wallet 3000 GB
Android wallet 20000 GB
iOs wallet 20000 GB
Merchant acceptance 2000 GB
Gateway acceptance 5000 GB

GOLDBLOCKS LINKS

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Do you want to know more about GOLDBLOCKS and it’s future developments? Why not head over to the Bitcointalk Forum and also Twitter to get all the latest news and views?

BITCOINTALK THREAD

TWITTER

 

 

 

12/10/14

Altcoin News: DNOTES VAULT launched to bring Stability in an uncertain world.

DNOTES NEWS: THE LAUNCH OF DNOTES VAULT

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The most stable digital currency to date, DNOTES, has just today launched a unique way for Everyone to to start collecting the currency and saving it in a secure and save environment namely the DNOTES VAULT.. This will facilitate the entry of many Lay Persons and the Masses into Crypto Currency adoption primarily at first as a store of Wealth before using it as a mass consumer base for merchant establishment.

Let’s take a look at the DNOTES CHARTS on the POLONIEX EXCHANGE to see WHY DNOTES is the preferred altcoin of choice for the no nonsense serious long term investor. Whether it be a mother saving for her kid’s education, or a financier looking to grow his portfolio or whether one is wishing to save up for a retirement plan, DNOTES sure fits the bill. Check the chart it speaks volumes. Where as even Bitcoin has enjoyed plenty of volatility, DNOTES since its inception has only enjoyed an uptrend and stability which is unparalleled in the Altcoin Industry to date, oh and we are talking about over 400 digital currencies spawned in just a number of years.

DNOTES CHART ON POLONIEX:

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DNOTES VAULT: THE ULTIMATE IN SAVINGS PLANS

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Going by the powerful formula of secured savings, with a digital currency of the future for the future, DNOTES VAULT ensures a secure, safe and simple way for EVERYONE to save for that special occasion or rainy day. Saving up and also educating others to tuck away some coins shouldn’t be rocket science. Dnotes takes away the complexities associated with both Crypto Currencies, which to many seem to be a fad associated with Basement Nerds, or Savings, which is an area people often view as taboo, especially in these trying economic times.

Dnotes has been on the trajectory of creating a stable digital currency and is on track to building financial products and services that will serve the World Community, creating lasting value in it’s own brand. Where Fiat and the Corporate Banking System have failed to protect the value and price of Fiat Currencies, DNOTES has stepped in to fill this void by first offering a stable and ethical currency as a vehicle to wealth creation and asset protection never before envisaged in our lifetime.

To find out more about how YOU can can make an impact on your future and that of your Loved ones why not check out the DNOTES THREAD ON BITOCINTALK and meet the DNOTES Team and Community that are bridging the gap between Traditional Core Values and the Digital World.

From the words of DNOTES Co Founder Alan Yong:“It is easier to open a DNotesVault account than a bank account. It is also secure. We guarantee 100% of your deposit through a separate cold storage account, secured in a different location, with an amount always in excess of the total deposit. The guaranteed funds are verifiable any time through the blockchain.”
DNOTES VAULT Prides itself in offering a guarantee of protection for your DNOTES ASSET as well as offering safety and security in an uncertain financial climate. For a $100 USD One can purchase around 20,000 DNOTES  which would make a wonderful gift for friends and family alike. The  DNOTES VAULT offers DNOTES STAKEHOLDERS the chance open multiple addresses within the VAULT for various activities, short and long term. Although opening a DNOTES VAULT ACCOUNT encourages long term saving, One can also withdraw DNOTES at any time, leaving the Investors with much flexibility not offered by similar corporate Institutions.
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DNOTES VAULT is the 2nd MAJOR ASSET that the DNOTES TEAM has created to serve the Crypto Community, the first one was CRYPTOMOMS,  a resource and educational tool/learning center packaged to encourage more women to take part in this disruptive technology/digital currency movement which is still largely dominated by men. Along with the future family of CR.I.S.PS which are different saving planned geared to different sectors in Society, DNOTES plans to position itself as a dominant force for good in the DIGITAL CURRENCY MOVEMENT, creating lasting value now and well into the Future for Generations to come. DNOTES VAULT is convenient and couples with it’s ease of use, makes saving a breeze for any age group.

 

 

 

07/28/14

Altcoin News: HYPER – Moving at lightning speed through the Cryptosphere!

hypermove

HYPER has had a really special life so far because unlike many other coins that have long gone and died an early death due to its constant innovation and adoption in the Gaming World and is now getting noticed by Prominent Faces in the Crypto Arena at large.

The HYPER Website has had a beautiful facelift too among so many new improvements as the DEV Team is constantly pushing forward to create a coin and Eco system that makes the Altcoin Industry to stand Tall.

HYPER is constantly looking out for the Community and is always generous and giving bounties for fans and enthusiasts who help to spread the word about this fun and lucrative to hold Crypto. If you are a crypto community person who likes to help good altcoins reach their Zenith who not head over to the HYPER FORUMS to earn some free HYPER for completing some easy promotional tasks? HYPER Giveaways are extremely generous undertakings in their own right and deserve merit and a good mention. The DEV TEAM is one of the most active I have seen in any altcoin and are working to the letter to get HYPER to the Next Level.

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HYPER has been featured in a plethora of blog posts and crypto news  articles and one of the latest awesome additions was the interview with the Lead Dev here on the Bitcoinist Review and Tech Blog which is a highly esteemed news Hub in relation to this Industry.

Among other wonderful developments, Hyper has got also a Reddit Tipbot and is already being used in 4 games as it closes in on it’s biggest development yet..the HYPER MMO game.

Another famous Crypto PODCASTER DAVID SEAMAN  has also shown a keen interest in HYPER and is also waiting to Interview the Developers very soon.

HYPER has been trading gallantly on Bittrex with volumes increasing daily and the price reaching healthy scores as more and more Crypto Investors take a liking to the Coin which shows such hope and promise due to the big projects that back it.

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07/16/14

Alcoin Reviews: BITCOINDARK (BTCD) – A Coin to be reckoned with.

BITCOINDARK REVIEW

 

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BITOCINDARK not only bears a cool name and logo but also has launched smoothly with a lot of happy Miners mining the coin fast and furiously. BTCD is a POW/POS Hybrid coin using the SHA- 256 Algorithm just like it’s cousin Bitcoin. There are 1.6 million Coins that can be mined in the POW stage and there will be a total of 22 million coins during the POW/POS period created. Due to BTCD being a SHA coin it makes it easier for ASIC MINERS to mine as well as smaller miners. There is only 1.5% premined BTCD which will be used solely for bounties and development by the Dev Team.

BITCOINDARK is aiming to not be a coin appealing to miners but also it is reaching out to the Altcoin Community to give in amble input as to the direction of this funky Altcoin. Talks are in the works for giving the coin Anonymous transaction status as well as many other great features.

Currently one can buy/sell  BTCD on  Bittrex and Atomic-Trade where  a healthy volume of trading has already been established. There are also two dice games and plenty of bounties being offered for various features like faucets that would add extra weight to the Coin’s image.

 

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BITCOINDARK SPECIFICATIONS

Here are the specifications for BITCOINDARK..

**Pure Proof of Stake with Proof of Work period upon release
**Proof of Work Algorithm**: SHA-256
**Total Number of Coins**: 1.6 million PoW / 22 million total
**PoW Block Reward**: 80 BTCD
**PoW Blocks**: 20,160
**Total PoW Coins: 1.6 million
**PoW Target Blocktime**: 1 minute
**RPC Port**: 14632
**Port**: 14631
**Time to Maturity**: 100 Confirmations
**Proof of Stake Reward**: 5% per year
**Minimum Coin Stake Age**: 8 hours
In order to be upfront, BitcoinDark will have a 1.5% premine (24,240)  to be used for development purposes.  The premine will NOT be dumped for personal gain.

 

BITCOINDARK2

BITCOINDARK LINKS

Here is more information on BTCD Coin if you like to get more involved. Mining has exploded for this coin and excitement is brewing even faster now.

TWITTER

BITCOINTALK FORUM

07/14/14

Altcoin reviews: VIRTUALMINING COIN (VMC) – Backed up by CEX GHS!

VIRTUALMINING COIN REVIEW

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Now and then in the Altcoin Industry I stumble across some great innovations and Ideas and a coin backed up by Cloud Mining is a wonderful new concept of a coin that is weighted by real investments. There are going to be a total of 100 million VMC coins and the coin is using the SCRYPT – N Algorithm which makes it more friendly to be mined by the smaller miners as opposed to the big asic farms so gives even the little guys a chance to mine and hold some.

There was initially a 10% premine which 80% of that was sold to an Investment crowd through an IPO and the other 20% of the premine is being used for development and bounties. All the IPO funds have been used to buy GHS Cloud mining in CEX.IO and is being compounded daily in order to keep the value of VCM coin always up and never going to a flat 0 because it is backed up by real investment.

Here is a cool video to show you in brief what it’s all about:

At the moment VMC is being traded nicely on Bittrex and now they have announced a multipool coming to bring even more value and price stability to the Coin. This coin is a boon for miners and is one of the most profitable coins to mine in its category at the moment.

The coin is so innovative it was even featured on COINDESK – The leading Bitcoin and Altcoin Resource on the Net: Here is the link so you can read up more.. COINDESK ARTICLE…. What makes this coin so cool is that GHS Vouchers are redeemable after six months so you can cash in coins for Cloud Mining Vouchers.. I decided to purchase a few k today as the price is quite attractive for new investors like me who don’t get to mine much.. :) . Ah and I didn’t mention the fact that as GHS vouchers are redeemed the coins get burnt so it becomes rarer and rarer with time as coins get destroyed in exchange for the CLOUD MINING Vouchers.. Great idea is it not?

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VIRTUAL MINING COIN SPECIFICATIONS

Here are the specifications for Virtual Mining coin aka VMC..

- Transaction Confirms: 5

- Block Confirms: 50

- MAX Coin: 100.000.000

- Block value: 171.2

- Block Time: 60 Seconds

- Retarget: EVERY 5 blocks / 5 Minutes

- KGW Implemented with TIMEWRAP FIX

- SCRYPT-N ADAPTIVE (ASIC resistant

- New features: The wallet is a Static build, which means there are  no DLL files required to run the wallet

- Premine: 10% (80% of the pre-mined coins will be shared proportionally among those involved in the IPO.) Other 20% for the maintenance, developing and the bounties.

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 VIRTUALMINING COIN LINKS..

Want to know more about VMC? Why not check out all the links below..

MAIN WEBSITE

TWITTER

FACEBOOK

BTCOINTALK FORUM

07/9/14

ALTCOIN FLASH GIVEAWAY: ASCENT COIN GIVEAWAY BONANZA

ASCENT COIN GIVEAWAY BONANZA

 

THIS GIVEAWAY IS NOW CLOSED..

THANK YOU.

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ASCENT COIN IS a great coin and currently being traded heavily on C-CEX exchange.

 

There are only a total of 25 million ASCENT COIN and now it is in POS stage.. You can find out more about ASCE here: ASCENT COIN THREAD..

 

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GIVEAWAY RULES

The giveaway rules are easy..

THIS GIVEAWAY IS NOW CLOSED..

THANK YOU.

 

1. PLEASE tweet @Bittrex @Ascentcoin @goldentags Please ADD ASCENT COIN To BITTREX EXCHANGE and then post your twitter url here. Please make your sentence a bit different to above but add @Bittrex @Ascentcoin @goldentags to the beginning of your tweet. = 50 ASCE

1. Retweet this post.. 50 ASCE

3. post your ASCENT COIN wallet address and you will be paid within 24 hours..enjoy..

ASCE1

07/9/14

Altcoin Reviews: KORA COIN for the PEOPLE

KORA COIN REVIEW

KORA

KORA is a clone of QORA but with a very fair and even distribution method and a hardworking Team … This is a great Community Coin which is being developed to help a huge amount of people become more active in Crypto Currency Ownership. KORA COIN is an empowerment tool which fosters engagement and activities centered around the Altcoin Enthusiasts.

 

Registration for a stake in KORA has been extended over the weekend and will end of Tuesday 14th July 2014 so if you would like to claim your KORA free STAKE there is still a little time left.  Initially 1 STAKE each was going to be offered for 3000 people but now they decided to close it earlier in order to get the ball rolling faster re development.

KORA COIN has a Great Developer to lead the Technical Innovations of the Coin namely NIOCCOIN and he will guide KORA to the Success it needs to reach with the help of the Community at large.

There are some left over stakes and the KORA Team are asking the community to vote and it’s quite interesting to see how it is panning out. I myself voted for option 2 and you can see why on the thread.. :) .

KORA is anticipating a distribution superior to that of NEXT AND NEM in the sense that it will be fairer and sockpuppet free and it is doing its best to implement measures to deter cheating in the distribution phase.

 

KORA

Here are the features that KORA hopes also to implement in its infrastructure:

Guaranteed Features
1)   Ed25519 DSA to verify and sign messages.
2)   1-5 minute block time depending on the network activity.
3)   Retargeting every 10 blocks.
4)   Password protected wallets that can be recovered/generated from seeds.
5)   New Proof-of-Stake algorithm.
6)   A JSON RPC API to directly communicate with the client.
7)   Naming Service: Allows the user to register a key-value pair which can be used for various purposes (URLS, addresses, …)
This Naming Service will also include an exchange where users can buy and sell keys.
8 )   Colored Coins/Assets.
9)   Arbitrary Transactions: A simple feature which allows users to send any payload they want over the network. This can be used by third-parties to build additional features on top of Kora (data storage, chat).
10)   Transaction Boosting: Higher transaction processing speed by not having to broadcast the transactions to the whole network.

Possible Features
1)   Anonymous transactions/Zerocoin: One of the biggest problems of Bitcoin is of course that every transaction is traceable. Currently Zerocoin is the most promising project which is trying to solve that problem in a decentralized way.
2)   Cross Blockchain trading.
3)   Finite Blockchain/Blockchain shrinking.
Kora will be the first second generation ‘super coin’. We know how to assemble the elements for the ‘ultimate’ crypto currency, and Kora will learn from the successes & failures of all previous coins.

KORA SPECIFIFICATIONS make it a clone derivative of QORA COIN and it utilizing the proof of stake algorithm.

 

Why not come and see for yourselves and join the KORA COMMUNITY TODAY?

 

 

 

07/7/14

Altcoin Review: ETALER COIN – MINERS will love this altcoin!

ETALER COIN REVIEW

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Miners everywhere are going to want to get their hands on this coin as it has some really cool specifications and addons in the wallet. 1 million coins will be mined yearly for 100 years. So total coins over a 1oo year period will be 100 million.  ETALER is using a fairly uncommon SHA512 algorithm and every time a block is found the mining will pause for 5 minutes before mining can commence again in order to conserve energy and heat. ETALER also will have its own in build cpu miner so everything is compact and easy to apply for miners.

There are many innovative treats coming inside the ETTALER wallet including a private messaging system, a built in shop, block explorer and faucet! I just wait to see this wallet in all its glory. There is only a very small premine to be used for some bounties and development but it is otherwise an all clear coin to mine from the offset.

I like the idea of the built in faucet too for loyal fans of the Coin that are not so fortunate to be mining which will bring a lot of interest to ETALER in general from Newbies. I believe that due to the fact that it has new specifications it will be very popular on major exchanges as I see they like to host new innovative coins.

ETALER will be released to the Altcoin Public on the 11th July 2014  (18PM UTC / 20PM CEST / 14PM EDT / 11AM PDT time zones) so good to get your miners ready.

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ETALER SPECIFICATIONS

Here are the specifications for ETALER COIN..

Specification

  • PoW Algorithm: SHA512
  • Block Time: 300 seconds
  • Block Reward: 10 eTaler
  • Premine: 10000 eTaler
  • Fees: No transaction fee
  • Confirmations on Transactions: 2
  • Total coins: 100,000,000 eTaler
  • Coins mined per year: 1 million eTaler
  • Private message system

PreMined coins

  • Total: 10000 Coins
  • Reserved for bounties: 3000 Coins
  • Reserved for giveaways: 7000 Coins

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ETALER COIN LINKS

Want to find out more  about ETALER COIN? Why not check out more information below..

BITCOINTALK FORUM

 

 

07/6/14

Altcoin Reviews: PLANKTON COIN – Food for all WHALES!

PLANKTON COIN REVIEW

 

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Well with all the Whales and Trolls that abound we needed a coin to feed some hungry fish! Now we have it at last. BIG DINNERS for a Whale Fest has arrived in the form of PLANKTON COIN.. I found out about this in the POLONIEX TROLLBOX and as soon as I saw the ANN thread I told myself I got to get me some PLANKTON lol. :) Although I am not a whale myself, I still like to be a collector of cool coins and I think this coin has trendy factor big time! The DISTRIBUTION PHASE for purchasing PLANKTON is nearly over now but the DEV is giving away a ton of free whale food for all the little and bigger fish to feast on. There was a huge interested in gobbling up the coin and it is talked about everywhere Whales are gathering in search of more to feed their bellies.

Here are some of the areas where bounties being offered so if you have something to offer PLANKTON COIN please come and pm the DEV aka WHALE and showcase your talents in exchange for WHALE FOOD..

PROMOTION AND BOUNTIES PHASE – PRICES/ DETAILS PENDING

Available promotions (claim your spot via pm)
- Plankton signature (Add: Whales Need Plankton (FOOD) https://bitcointalk.org/index.php?topic=673734.0 <insert wallet address>)
- Tweet Plankton (15 spots)
- Forum posts (5 spots)
- Misc (General promotion)

Available bounties (claim your spot via pm)
- IRC, Reddit and twitter (CLAIMED)
- Video (CLAIMED)
- Merchandise
- Website
- Mac wallet
- Block explorer
- Faucet

 

Th coin itself is using the x13 algorithm and the total amount of coins is 1 Billion. There is a POS interest and staking has already begun in our wallets giving every whale Plankton holder 5% a year of fresh food! There are many plans to take this coin to the next level as community interest grows. Already trading on one exchange some sellers reported a 100% increase in their selling of food to feed hungrier buyer whales. I have kept all mine to sync and generate me more food for my feisty appetite.

If you have a problem syncing your wallet just add these nodes to a a text file then convert the file to Plankton.conf and copy if where you saved it to the Plankton roaming folder..

%appdata%/roaming/plankton
rpcport=27331
addnode=76.182.189.115
addnode=107.192.136.116
addnode=99.113.240.148
addnode=108.48.207.233

Then re open your client and you should see the WHALE FOOD.. :)

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Here are the Specifications for PLANKTON..

Name: Plankton
Ticker: FOOD
Algo: X13 POS
Supply: 1,000,000,000
Stake: 5% annually
Transaction times: 2 minutes

 

PLANKTON LINKS

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Want to tuck into some crunchy PLANKTON? Why not check out the link below..

BITCOINTALK FORUM