General Glance Of DUI Laws And Driver Rights

Across the country, states continue to implement stiffer laws for DUI violators, including vehicle restrictions, court fees, jail time and license suspensions. While each state will differ in in regards to the severity of fines, jail time and penalties, all states have some common laws that they share. For first-time violators, dealing with a DUI charge can present its own set of challenges, and if individuals are unaware of the laws, they could be looking at tougher penalties and fees.

State Laws

From California to New York, every state will grant a suspected perpetrator a “Per Se” hearing that operates as the DMV’s criminal hearing to determine if a motorist is guilty. The results of the meeting will differ from state to state; for example, being guilty in Virginia will result in a one year suspension from the DMV, while a guilty verdict in California will draw only a 3-month license suspension. Do not forget, Per se hearings will determine the after-effect of your license restrictions, while the courts will issue different fines and penalties, such as jail time and ignition locks. In addition to your license limitations, each state will require an ignition lock on your car, except for Alabama and Massachusetts, and on top of that, you still face probation and/or jail time for your DUI. To get an idea of how complicated it is to deal with a DUI offense, Southern California motorists will have to pay for an ignition lock, employ a Southern California DUI attorney to deal with the criminal and DMV sanctions and attend an alcohol and drug abuse class.

Driver’s Rights

All states have stated that the legal limit for a DUI is determined to be.08%, and anyone caught over this limit will be arrested. Still, even if you are under the limit, you can still be cited for a DUI as you may present a threat to other motorists because of the manner in which you are driving. While Per se meetings are not mandatory, it is up to the offender to schedule and be present at these meetings with an attorney because without legal representation, a person will more than likely be found guilty and be issued a suspension on his license. The lawyer that you employ may help reduce the charges, so say you live in Southern California, you could employ an Orange County DUI attorney and get only restricted driving privileges as opposed to a suspended license, and probation instead of jail time. No matter where you get caught for a DUI, it is always good to prepare yourself with a sufficient amount of information and have a legal counselor by your side to properly settle the dilemma.

Posted in Law and Issues | Tagged | Comments Off

Electrical Outlet Surge Protector – A Wide Array of Uses

An electrical surge is the equivalent to all of a sudden having extra blood and it bursting through your body, damaging all of the sensitive veins and capillaries. You wouldn’t want your laptop or 40 inch plasma television to have to go through an ordeal like that would you? Unfortunately, without some kind of protection they are at risk. There is a way to protect these things though. An outlet surge protector is what stops surges from affecting your sensitive and expensive electronics.There are many options for your homes electronics and electrical system in general. Electrical surge protectors are available in many optional model formats, to protect a single device, such as a computer, to strips of outlets so you can plug in your whole entertainment system. Models are even available that are installed in your electrical panel breaker box to protect your entire home electrical system and therefore all of the electronics you have plugged in.Electronics contain many small parts and components that are extremely vulnerable to electrical spikes and surges. Most of these items have little or no internal protection, requiring the use of a secondary device such as some type of electrical surge protector. An electrical outlet surge protector can come in the form of the actual outlet itself, generally found near ground fault circuit interrupters, or as a multi-outlet strip that can accommodate numerous plugs, quantities vary so its your choice.All of your computer equipment, laptops, printers, plasma TV, LCD, or tube type televisions, surround sound systems, security systems and any other sensitive electronic devices are things that need surge protection. It’s really hard to fork out the money to replace expensive electronic equipment that has been damaged beyond repair. Spending a little bit of money now on a good surge protection device can save you a lot of money in the future when your equipment fails. An electric outlet surge protector is both an affordable and prudent purchase to ensure your electronics are safe and protected from all types of inconsistencies in your electrical system.Many manufacturers of outlet surge protectors actually offer warranties that cover a certain monetary amount of damage if your items were being protected by their product and were affected due to surge currents. This type of insurance policy or warranty is available at different levels of protection with significant coverage available for your piece of mind. Purchasing electric surge protection really does make sense. An electrical surge protector can save valuable electronic devices that are difficult to replace.

Posted in Uncategorized | Tagged | Comments Off

Payday Loan vs. Credit Card Cash Advance: Which Is the Better Option During a Financial Emergency?

Unfortunately most of us face unforeseen financial emergencies at least once in our lives. When those money crunches happen, some people seek out cash advance loans in order to help them get by. Another option is to simply take a cash advance from an existing credit card. But what are the differences between these two options and is one better than the other?First, we should briefly discuss what a cash advance loan is. They are also known as payday loans and by working with one of the numerous lenders offering such services, consumers can borrow money in order to get cash to help them get by until their next paycheck (hence the name “payday loan”). The assumption is that the borrower will be in a better position to pay back the loan once they get their next paycheck and at that point, will hopefully be back on their feet.Usually, to get a payday loan the only requirements are proof of employment and a statement of your income so that the lender can determine how much they can safely loan you. The way this is determined varies from one lender to the next but most payday loan companies offer loans from $500 to $2000 depending on those factors just mentioned. You can find payday loan companies in your local area, but most people tend to look for lenders online since it is more convenient and anonymous.On the other hand, a credit card cash advance is slightly different. First, there aren’t the same sort of requirements to qualify for a cash advance since you already hold the credit card. There is also no presumption that you will repay the amount borrowed once you receive your next paycheck. Finally, there aren’t any additional penalties in the form of interest payments or late fees that you have to pay if you don’t repay the loan by your next paycheck, which is one of the drawbacks of payday loans.Even though it may seem that taking a credit card cash advance is a better option, that is not necessarily the case. First, you need to have a credit card in order to use this option and unfortunately, many people who end up in this type of situation either don’t have a credit card or don’t have enough available credit to borrow against to take care of their immediate financial needs.Also, by borrowing against your credit card, you are increasing the balance you own on your card. Credit bureaus often use that figure and compare it to your available credit to see how close you are to being “maxed out” on your credit cards. So by taking a cash advance, if you are unable to repay it in the near term, your credit rating could be lowered. By using a payday loan, you don’t have to worry about anything being reported to the credit bureaus because most cash advance lenders don’t generate such reports.On the other side of the coin, payday loans have some drawbacks that you should also be aware of. The most important thing to keep in mind is that dollar for dollar, cash advance loans are a more expensive loan, which is why it is important to be able to pay it back as quickly as possible. In fact, if you are unable to repay by the agreed upon time, you will probably be charged a late fee which only adds to the problem.Ultimately, the decision between a cash advance loan or taking a cash advance from your existing credit card depends on your specific needs, your ability to quickly repay the loan and how comfortable you feel with the terms that each option offers. But either way, your best bet is to take action and do something to solve your immediate financial problems, pay back the loan quickly and hopefully avoid similar situations in the future.

Posted in Loans | Tagged , , , , , , , , , , , , , , | Comments Off

Employment Law – Jurisdiction of Tribunal – Employment Relationship

In the recent case of Khan v Premier Private Hire Taxi [2007], the applicant worked as a private hire taxi driver for the employer. He issued a claim form to the employment tribunal which stated the following:”The company was not paying me, I was taking fare from customer and paying commission to the company. Like an agent transacting business for another”.The chairman of the employment tribunal considered the claim form and decided that he had no jurisdiction to hear the case because the relevant employment relationship had not been established. He therefore rejected the claim. Upon this rejection, the applicant appealed.The appeal was allowed:– Considering the circumstances, it was held that the chairman had erred in rejecting the claim. The material adduced by the applicant on the nature of the employment relationship had to be taken at face value. Using that approach, where aspects common to an employment relationship had existed, for example the situation which could be described as a ‘working relationship’, the tribunal certainly had jurisdiction to hear the claim.- The nature of the employment relationship in the instant case was ripe for examination.- The facts constituting such a relationship should have been considered by the tribunal.- It was held that the applicant would be ordered to provide the tribunal with further information setting out the scope of his employment relationship in order for his claim to proceed.If you require further information please contact us at [email protected]© RT COOPERS, 2007. This Briefing Note does not provide a comprehensive or complete statement of the law relating to the issues discussed nor does it constitute legal advice. It is intended only to highlight general issues. Specialist legal advice should always be sought in relation to particular circumstances.

Posted in Employment | Tagged , , , , , , , , , , , | Comments Off

Personal Health Information – Keeping Tabs On Your Health In Texas

Your personal health information — do you know who has it or where to find it in Dallas, Houston or in the other Texas cities where you have lived? Do you have it? In most cases, a complete record of all of your personal health information can’t be found at any single location or in any consistent format. Each one of your healthcare providers (family practitioner, allergist, OB-GYN, etc.) compiles a separate medical record on you. And often times, these multiple medical records can lead to an incomplete story about your health.Keeping your own personal health record (PHR) provides doctors with valuable information that can help improve the quality of care you receive. A PHR can minimize or eliminate duplicate tests. It can also help you receive faster, safer treatment and care in an emergency. In short, with a PHR, you can play a more active role in your healthcare.Starting a Personal Health RecordYour health information is scattered across many different providers and facilities. A Personal Health Record is a collection of this information about your health or the health of someone you are caring for, such as a parent or child that you would actively maintain and update. The information comes from your healthcare providers, and most importantly, from you.Why Start a PHR?Your own PHR should provide a different perspective, showing all your health-related information. It can include any information that you think might affect your health, including information that your doctor may not have, such as your exercise routines, dietary habits, or glucose levels if you are diabetic.In addition, the PHR is a critical tool that enables you to partner with your providers. It can reduce or eliminate duplicate procedures or processes, which can save healthcare dollars, as well as your time and the provider’s time.What Should be in Your PHR?When collecting information from your health records, make sure you include:* Personal identification, including names, birth dates, and social security numbers* Emergency contacts* Names, addresses, and phone numbers of your physician, dentist, and other specialists* Health insurance information* Living wills and advance directives* Organ donor authorization* A list and dates of significant illnesses and surgeries* Current medications and dosages* Immunizations and their dates* Allergies* Important events, dates, and hereditary conditions in your family history* A recent physical examination* Opinions of specialists* Important tests results* Eye and dental records* Correspondence between you and your provider(s)* Correspondence between you and your health insurance company* Permission forms for release of information, operations, and other medical procedures* Any information you want to include about your health – such as your exercise regimen, any herbal medications you take and any counseling you may receive.Step-by-Step Guide to Creating a PHRYoung, healthy people move, often frequently. Therefore you are likely to have health records scattered over all over Texas and beyond. Remember the flu last year in Dallas? And the routine exam three years ago in Houston? Keeping your own personal health record (PHR) provides new and existing doctors with valuable information that can help improve the quality of care you receive.To start your personal health record, you will need to request a copy of your health records from all your healthcare providers, including your general practitioner, and your eye doctor, dentist, and any other specialists you have seen. Don’t feel that you need to gather all your health information at the same time. One way to handle your record retrieval is to ask for your recent records each time you visit a healthcare provider.Incorporate the following steps, at your own pace, when creating your own personal health record:1. Contact your doctors’ offices, the health information management (HIM) or the medical records staff at each facility where you have received treatment. Ask if your records are in an electronic format that you can access, or if you need to request copies. Also, ask your physician or the HIM professional to help you determine which parts of your record you need. Furthermore, find out if your provider has his or her own plan for helping patients to create their PHRs.2. Ask for an “authorization for the release of information” form. Complete the form and return it to the facility as directed. Most facilities charge for copies. The fee should only include the cost of copying (including supplies and labor), as well as postage if you request the copy to be mailed. It can take up to 60 days to receive your medical records, so ask when you can expect to receive the information you’ve requested.3. Now that you’ve gathered your information, there are a few different ways you can maintain your PHR. One way is to simply gather your information in a file folder. Not all information may be available to you in an electronic format, so an old-fashioned file folder or three-ring binder may be the easiest and most inclusive format. You can divide the binder into sections by family members. Then, within each family member’s section, divide information by year or illness.4. There are many great digital PHR tools and services to help you get organized. You can burn data onto a CD. Also, portable devices, like keychain USB drives that plug into most computers, will make your PHR information extremely portable. There are also Internet-based services where you can store and retrieve your health information, including services which may be sponsored by your insurance company. Some services even help collect your data from your doctors and other healthcare providers.Some of these digital PHR tools may be available free of charge and others are products or services you will need to purchase or pay a subscription fee to use.5. Bring your PHR to all healthcare provider visits so that you have the information with you. And remember to keep adding and updating it with entries from providers, yourself, or your family member.6. Because you won’t always have your PHR with you, create and carry a card that has vital information on it—such as medications or allergies—with you at all times.7. Remember, this private information is yours and your family’s, so protect it and maintain its confidentiality. Let trusted family members know it exists, and where it’s being kept, but beyond that, keep it safe and protected.Knowledge is power and your Personal Health Record can certainly empower you. The information gathered gives you information you can use when preparing for medical appointments. And it gives you more intimate knowledge of your healthcare, including giving you an active role in your preventive care and care management.It’s easier to start gathering your medical records while you’re a young, healthy Texan compared to when you’re older and have a more complex medical history. Start with your parents and work your way up to your current healthcare providers.With your PHR in hand, you will then want insurance to help with the costs when you need to visit physicians or have an unexpected hospitalization. Why not take a look at the revolutionary comprehensive individual health insurance solutions created by Precedent specifically for young, healthy individuals? Precedent offers affordable, individual health plans,. For more information, visit us at our website, [http://www.precedent.com]. We offer a unique and innovative suite of individual health insurance solutions, including highly competitive HSA-qualified plans, and an unparalleled “real time” application and acceptance experience.

Posted in Health | Tagged , , , , , , , , , , , , , , , , | Comments Off

How Cryptocurrency Trading Software Is Helping To Grow Your Crypto Platform

The cryptocurrency trading software package is an integrated system to manage all aspects of cryptocurrency trading platform like all kinds of crypto buy, sell, exchange, lending, MLM & affiliate management, converting, live market comparison & analyzing etc.

Important features you should consider:

Buy, Sell And Exchange: Nishue is the impressive trading management system offers a smooth and secure methodology for your users to effortlessly Buy, Sell and exchange cryptocurrencies.

Lending system management: This system is completely brokering friendly has a system to manage Crypto lending service, like create manage offers, maintain and moderation etc

Unique Admin Module: Nishue contains a secure and advanced Admin Module for you to control your Cryptocurrency exchange end-to-end.

Separate customer profile: Separate customer profile module that helps your users to easily track and check all Open deposit or withdraw orders, Records, Transactions etc. on just a click.

MLM & affiliate management: This marketing ready automation tools facilitate to manage your level wise affiliate commission, contribution history, and documents.
Market comparison & Converter: Two additional system has been integrated for live Crypto Comparison, Conversion & Depth analysis.

How Cryptocurrency Trading Software Is Helping To Grow Your Crypto Platform:

Coin Deposit & Withdraw: Crypto trader need to maintain enormous Deposit and Withdraw request daily. Trading software aid to manage your activity with its auto set algorithm.

Coin Package & Lending offer: Keep your various coin package and lending offer at the fingers end of your customer. You can create, manage and advertise your offer using a well-designed package.

Level wise commission: If you follow the MLM strategy to reward your respective participants, and worried about set their commission? OK, It is ready to auto calculate their level wise commission.

Notification & Risk management: Every crypto trading platform must arrange push notification system to keep itself and its client up to date about many alarming issues thus help eliminate risk. In this case, a system project is totally perfect.

Multiple Payment Gateway: You can Integrate your cryptocurrency wallet, Local currency, Payeer Even Mobile Banking system as a Payment method within this software to make your transaction hassle free.

Daily, Weekly & Monthly ROI: Are you worried about maintaining ROI as per you said. This cryptocurrency trading management software can auto calculate ROI, commission, and others as per your given instruction.

Free Responsive Website: It must have integrated a fully responsive, SEO optimized dynamic website with our system and it is totally free. It will help you to manage your enterprise smoothly.

Crypto Comparison, Conversion & Depth analysis: Crypto live market cap & coin convertor two addition system has been integrated for live Crypto Comparison, Conversion & Depth analysis

100% secured System: A trading software is designed after having highly security issue in mind. Secured Integer framework, two-factor authentication, and much other security systems have been applied in this cryptocurrency trading software.

The absolute package exclusively for spot cryptocurrency trading that allows users to trade Bitcoin, Bitcoin Cash, Ethereum and Litecoin through Coinbase. Built upon the same technology that powers the Nishue software, It incorporates proven market-leading tools developed over 25 years to provide both professional and active cryptocurrency traders with a better experience than what’s currently offered by other crypto-only trading solutions.

Posted in Uncategorized | Tagged , , , , | Comments Off

Tips to Choose the Best Crypto Signal Service

If you keep an eye on the market, crypto trading can be profitable for you. However, you may find it hard at times. Fortunately, if you need assistance, you can give a go to crypto signal services. The signals offered by them can be used to make the right decision, at the right time. You can choose from a lot of service providers. Given below are a few tips that can help you choose the right one. Read on to know more.

Service Quality

When opting for a service, quality is the number one factor to consider. Ideally, the trading platform should have an awesome success rate as far as predictions are concerned. Aside from this, it should provide relevant impulses so you can get a better idea of the market trends and trades.

Moreover, you should be able to receive the signal promptly so you can make the right moves. The service provider should be able to generate signals as fast as possible.

Reliability

Keep in mind that the service should be reliable as you are going to make your trade decisions based on their guidance. Hence, you might want to opt for a service that you can depend on. This is the only way to make the right choice and be on the safe side.

What you need to do is hire the services of a provider who is legitimate. You are going to consult expert traders, not an automated software program.

Free Trial

How can you find out if a provider is genuine? The best way is to give a go to their service. Many providers offer a free trial service. This is true even if you are going to hire any service, not just crypt trading.

The trial service will allow you to find out if the service is reliable. Once you have tested the service, you can go ahead and pay for it for a long-term.

Pricing

After the trial period expires, you will have to pay for the service. Here it’s important to keep in mind that providers who offer crypto signals for free of charge may not be reliable. In the same way, you might not want to pay a lot of money for the trial period either. As a matter of fact, the price of packages should be fair so you can enjoy the service without breaking the bank. So, you might want to do your homework to get the right service without spending a good deal of money.

Support

Although it’s great if their support is available round the clock, the important thing is to get the right information at the right time. They should be able to answer your questions until you are satisfied.

Without reliable customer support, you can’t benefit from the crypto signal service the way you should.

In short, if you are going to hire the service of a crypto signal service, we suggest that you follow the tips given in this article. This way you can make the right choice.

Posted in Uncategorized | Tagged , , , , , | Comments Off

Crypto Currency Vs Fiat Currency

Crypto currency vs. Fiat currency

Are you aware of the fiat currencies and the crypto currencies? They both are currencies in one form or the other and are open for public use across the world. But they are both different and distinct in their own ways. There is always one group that favors the use of cryptos, while the other has a soft corner for the fiat currencies.

In cashless society- crypto money play a huge role

If you have a look at the market of the 1970s and 1980s, you will find that the cash played the dominant role. But, with the change in the technology, electronic transactions have become the usual norm. Today, more and more people are influenced in becoming the cashless society. With the progress towards the cashless society, cryptocurrencies have a big role to play.

Crypto currency and fiat currency are always at loggerheads

Cryptocurrency and fiat currency are popular types of digital currency, especially when it is about an online transaction. They both are currencies currently in use in the market but have some differences in them. There is a hell lot of hypes that you will hear on a daily basis comparing the crypto money and the fiat money. This article will highlight the difference between the two in a more comprehensive and clear manner.

Differentiating in what the currencies stand for

Before going for the difference between the two, you must understand what do they stand for and how are they are defined.

The fiat currency is a legal tender that has the support of the central government, and it operates in the physical form. For instance, US dollars, British Pounds, Euro etc. On the other hand, the crypto currency is a non-legal tender, and doesn’t have any backup from the central government or bank.
Hence, the difference between crypto currency and fiat currency is noted as follows:

• Crypto-currencies are decentralized and global in nature. There are no one entity or government that controls the currency with their laws and regulations. The Fiat currency is centralized, under the control of the laws and regulations of the banks and government.

• Crypto-currencies have their existence only in the digital domain. On the other hand, you will find that the fiat currencies have a tangible and physical existence.

• There is a limited supply of crypto-currencies with a maximum set of them getting supplied in the market. Whereas, the fiat money has an unlimited supply as the government and bank are entitled to produce coins and paper money whenever the situation is required.

• The Bitcoin and other crypto type currencies are created by the computers, while the fiat currencies are issued by the local government and the banks.

• Cryptocurrencies are presented as the public and private code pieces. On the other hand, the fiat currencies are presented in the form of coins and paper money.

• The value of the crypto currencies is not recognized by the supply and demand of the market. Whereas, the fiat currency value is determined by the market regulations of supply and demand.

The different types of crypto and fiat currencies

In the last one decade, the popularity of crypto type currencies has emerged as a huge success. It was in 2009, when Bitcoin was first introduced, and years after several other types of crypto currencies have emerged. Starting from Litecoin. Dogecoin, Ripple to the Dcash and Zcash, there is a plethora of them. On the other hand, the fiat currency has a rich and ancient roots, with the Great British Pound, that dates back to 775 AD. It is considered as the oldest currency in the world that is still in use.

The differences in the anonymity between the two currencies

When you are using the fiat currencies, you need to undergo a user identification or verification process. You are asked to upload a recent picture of yourself and some of the required documents to be issued as per the public authorities. You don’t need to undergo any of the required processes with the crypto currencies. Though your personal information and confidential details don’t get public, but all your transactions are recorded and tracked in both the fiat and the crypto currencies.

Fiat currency vs crypto currency: transparency level

• The transparency level with the crypto type currencies are considered to be more. This is because the revenue streams are displayed in a public chain. Everyone can witness their own and others’ transactions.

• The fiat or govt. currencies are not transparent, as there are not public chains to see the revenue streams of the people.

A comparative historical roots

If you compare the crypto money with that of its counterpart, fiat or government currency, you will find that their existence and creation brings the difference. The Fiat or government currency, dates back its existence as early as 775 AD with the introduction of the Great British Pound. This is why fiat type currency is easily accepted by the people all over.

On the other hand, the crypto coin was perhaps first introduced only a decade ago, with the introduction of Bitcoin in 2009. The challenge that the Bitcoin and other crypto currencies face is catching up with the immense popularity and increasing fan base of the fiat currency. Crypto currency, is no doubt gaining importance and popularity in the economic market, but it has still not been accepted widely in the society as the fiat currency.

A comparative history of the two currencies:

• It was in the 11th century, when the Chinese Song dynasty was perhaps the first one to issue the paper money. It was not allowed to exchange with valuables like gold and silver or silk.

• There were Tally sticks that were introduced as a fiat or government currency. 1100 Tally sticks were introduced as a combat for the shortages in gold.

• 1971, was the year, when the fiat currency received a worldwide recognition. President Nixon introduced it in order to eliminate the dollar pegging system to gold.

• It was in 1998, when the idea of an anonymous electronic cash system emerged by Wei Dai. Bitgold-the very first crypto currency was created by Nick Szabo, but it didn’t receive as much attention as Bitcoin.

• In 2009, Bitcoin was introduced in the market, that became the first crypto currency that was accepted across the globe. In 2011 and after, a series of several other crypto currencies were introduced. Some of the popular ones include, Litecoin, Dogecoin, Ethereum, Ripple, Zcash, Dash and so on.

The traits of both the currencies

The potential of the crypto type currencies and fiat currencies, accessing their traits is important. You will find that in some of the criteria, Bitcoin and other crypto currency is superior than the fiat or government currency, and in some cases, the latter surpasses. It is absolutely your call to choose the type of currency (crypto type currency or fiat type currency) based on your personal needs and requirements.

Let us compare their traits with respect to certain factors.

• Both the crypto coins and fiat type currencies are interchangeable in nature.

• As per the portability is concerned both the currencies secure more or less the same position.

• With respect to the non consumable criteria, crypto currency and fiat type currency have the equal status.

• Crypto type currencies have high durability as compared to the fiat-currencies that have moderate level of durability.

• Both the crypto or virtual currencies and the fiat or government currencies ensure secure and safeguarded transactions and exchange.

• Crypto or digital currencies are highly divisible in nature. On the other hand, the fiat type currencies are moderately divisible.

• In terms of the transaction process, the crypto currencies are easy and hassle free. Whereas, on the other hand, the traction process associated with the fiat currencies are easy, but not like the cryptos.

• The crypto based currencies are decentralized and global in nature, unlike the fiat currencies that are centralized and functions under the laws and regulations of the government.

• The crypto based currencies have high scarcity, where as, the fiat currencies are unlimited as the government can issue coins and paper money whenever there is a need.

• The crypto based currencies are based on mathematical algorithms, and are programmable. The fiat currencies are not at all programmable.

• The fiat currencies are sovereign in nature, while the crypto currencies are not.

The process of the functioning of the currencies

You can find the significant differences between the crypto or digital currencies and the fiat currencies with the way they both operate and the transaction process that take place. They are contrasting in nature. The transfer of money using the Bitcoin is very quick, and you absolutely don’t need any third party association.

On the other hand, if you are involved with the money exchange using Fiat type currency, a mobile wallet is in use. You can exchange an amount of e-money that gets transferred into the equal e-value amount. Both the fiat and the crypto currencies enable you to purchase everything that you desire. But the processes involved are absolutely distinct from each other.

Depending on the things you purchase, you will find that one currency form is better than the other. This is absolutely your choice.

Is Bitcoin, a crypto currency better than the fiat-currency?

The long term benefits and the capability of the Bitcoins is still not established. But it has been predicted by the crypto currency gurus and experts, that they will go a long way, especially revolutionizing the way the online transactions are done. In the current market, the Bitcoin is mainly included in the online casinos and the gambling, but it is not limited to it.

Furthermore, when you compare the fiat currencies, the Bitcoin allows you to seize the power and authority from the banks and the government since it is not controlled. The cryptography based currency has the capability to create or come up with the free market capitals. Fiat currencies are affected by the inflation and the changes in the market, unlike the crypto based currencies. Such aspects make individuals believe that cryptograph based currencies will soon take over the mainstream currencies and bring a transformation in the way the money is used.

Why is Bitcoins considered to be a better aspect than the fiat type currencies?

• Bitcoin gives you the opportunity to re-create a free market capitalism.

• The power of controlling the money is absolutely with the individuals, and not with the banks like the fiat type currencies.

• When there is an inflation, the Bitcoin is not affected. But the Fiat type currency will be easier to lose and get affected by it.

• The Bitcoin currency is easy easier to exchange and transfer as compared to the fiat or government currencies.

• The transaction fees involved with the Bitcoin are way cheaper and easily affordable.

Crypto currencies seem to be a favorable option among the people

The fiat type currencies are the centralized and legal way of exchanging money. But, the crypto currencies have acquired immense popularity in the past few years. There will never be anyone who would act as a middle man, like the case with the banks. Moreover, the cryptos are way cheaper and less expensive that the conventional fiat currencies.

Send money anywhere directly without waiting for the bank’s approval

You can send money to anyone in the world directly, and it is super fast. The money gets cleared within a few minutes time. You don’t have to wait for the traditional clearing and verification processes of the banking systems, which might take up to several days to get a clearance. Since it is decentralized and doesn’t come under the law and regulations of the government, nobody has any power to do anything with your account.

The blockchain technology has a very big role to play

Thanks to the crypto currencies, that gives us the power and the authority to become our very own bank, and take control over our finances. It is because of the blockchain technology that offers a higher level of sophistication while dealing with the finances. In fact, there are some mainstream financial industries that have started incorporating the idea of the technology.

Posted in Uncategorized | Tagged , , , , | Comments Off

Crypto Market Analysis

Cryptocurrency have been around for a while now and there are multiple papers and articles on basics of Cryptocurrency. Not only have the Cryptocurrency flourished but have opened up as a new and trusted opportunity for investors. The crypto market is still young but mature enough to pour in the adequate amount of data for analysis and predict the trends. Though it is considered as the most volatile market and a huge gamble as an investment, it has now become predictable to a certain point and the Bitcoin futures are a proof of this. Many concepts of the stock market have now been applied to the crypto market with some tweaks and changes. This gives us another proof that many people are adopting Cryptocurrency market every day, and currently more than 500 million investors are present in it. Though the total market cap of crypto market is $286.14 Billion that is roughly 1/65th of the stock market at the time of writing, the market potential is very high considering the success despite its age and the presence of already established financial markets. The reason behind this is nothing else but the fact that people have started believing in the technology and the products backing a crypto. This also means that the crypto technology have proven itself and so much that the companies have agreed to put their assets in the form of crypto coins or tokens. The concept of Cryptocurrency became successful with the success of Bitcoin. Bitcoin, which once used to be the only Cryptocurrency, now contributes only 37.6% to the total Cryptocurrency market. The reason being, emergence of new Cryptocurrencies and the success of projects backing them. This does not indicate that Bitcoin failed, in fact market capitalization of Bitcoin has increased, rather what this indicates is that crypto market have expanded as a whole.

These facts are enough to prove the success of Cryptocurrencies and their market. And in reality investment in Crypto market is considered as safe now, to the extent that some invest as for their retirement plan. Therefore what we need next are the tools for analysis of crypto market. There are many such tools that enable you to analyze this market in a manner similar to stock market providing similar metrics. Including coin market cap, coin stalker, cryptoz and investing. Even thought these metrics are simple, the do provide crucial information about the crypto under consideration. For example, a high market cap indicates a strong project, a high 24hour volume indicates high demand and circulating supply indicates the total amount of coins of that crypto in circulation. Another important metric is volatility of a crypto. Volatility is how much the price of a crypto fluctuates. Crypto market is considered as highly volatile, cashing out at a moment might bring in a lot of profit or make you pull your hairs. Thus what we look for is a crypto that is stable enough to give us time to make a calculated decision. Currencies such as Bitcoin, Ethereum and Ethereum-classic (not specifically) are considered as stable. With being stable, they need to be strong enough, so that they do not become invalid or simply stop existing in the market. These features make a crypto reliable, and the most reliable Cryptocurrencies are used as a form of liquidity.

As far is crypto market is concerned, volatility comes hand in hand, but so do its most important property i.e. Decentralization. Crypto market is decentralized, what this means is that the price fall in one crypto does not necessarily means down trend of any other crypto. Thus giving us an opportunity in the form of what are called mutual funds. It’s a Concept of managing a portfolio of the crypto currencies that you invest in. The Idea is to spread your investments to multiple Cryptocurrencies so as to reduce the risk involved if any crypto starts on a bear run

Similar to this concept is the concept of Indices in crypto market. Indices provide a standard point of reference for the market as a whole. The Idea is to choose the top currencies in the market and distribute the investment among them. These chosen crypto currencies change if the index are dynamic in nature and only consider the top currencies. For example if a currency ‘X’ drops down to 11th position in crypto market, the index considering top 10 currencies would now won’t consider currency ‘X’, rather start considering currency ‘Y’ which have taken it’s place. Some providers such as cci30 and crypto20 have tokenized these Crypto indices. While this might look like a good Idea to some, others oppose due to the fact that there are some pre-requisites to invest in these tokens such as a minimum amount of investment is needed. While others such as cryptoz provide the methodology and a the index value, along with the currency constituents so that an investor is free to invest the amount he/she wants to and choose not to invest in a crypto otherwise included in an index. Thus, indices give you a choice to further smooth out the volatility and reduce the risk involved.

Conclusion

The crypto market might look risky at first look and many might still be skeptical of its authenticity, But the maturity that this market has attained within the short period of its existence is amazing and the proof enough for its authenticity. The biggest concern that investors have is volatility, for which there had been a solution in form of indices.

Posted in Uncategorized | Tagged , , , , , | Comments Off

Increasing Student Success Through Instruction in Self-Determination

An enormous amount of research shows the importance of self-determination (i.e., autonomy) for students in elementary school through college for enhancing learning and improving important post-school outcomes.
Findings

Research by psychologists Richard Ryan, PhD, and Edward Deci, PhD, on Self-Determination Theory indicates that intrinsic motivation (doing something because it is inherently interesting or enjoyable), and thus higher quality learning, flourishes in contexts that satisfy human needs for competence, autonomy, and relatedness. Students experience competence when challenged and given prompt feedback. Students experience autonomy when they feel supported to explore, take initiative and develop and implement solutions for their problems. Students experience relatedness when they perceive others listening and responding to them. When these three needs are met, students are more intrinsically motivated and actively engaged in their learning.

Numerous studies have found that students who are more involved in setting educational goals are more likely to reach their goals. When students perceive that the primary focus of learning is to obtain external rewards, such as a grade on an exam, they often perform more poorly, think of themselves as less competent, and report greater anxiety than when they believe that exams are simply a way for them to monitor their own learning. Some studies have found that the use of external rewards actually decreased motivation for a task for which the student initially was motivated. In a 1999 examination of 128 studies that investigated the effects of external rewards on intrinsic motivations, Drs. Deci and Ryan, along with psychologist Richard Koestner, PhD, concluded that such rewards tend to have a substantially negative effect on intrinsic motivation by undermining people’s taking responsibility for motivating or regulating themselves.

Self-determination research has also identified flaws in high stakes, test focused school reforms, which despite good intentions, has led teachers and administrators to engage in precisely the types of interventions that result in poor quality learning. Dr. Ryan and colleagues found that high stakes tests tend to constrain teachers’ choices about curriculum coverage and curtail teachers’ ability to respond to students’ interests (Ryan & La Guardia, 1999). Also, psychologists Tim Urdan, PhD, and Scott Paris, PhD, found that such tests can decrease teacher enthusiasm for teaching, which has an adverse effect on students’ motivation (Urdan & Paris, 1994).

The processes described in self-determination theory may be particularly important for children with special educational needs. Researcher Michael Wehmeyer found that students with disabilities who are more self-determined are more likely to be employed and living independently in the community after completing high school than students who are less self-determined.

Research also shows that the educational benefits of self-determination principles don’t stop with high school graduation. Studies show how the orientation taken by college and medical school instructors (whether it is toward controlling students’ behavior or supporting the students’ autonomy) affects the students’ motivation and learning.
Significance

Self-determination theory has identified ways to better motivate students to learn at all educational levels, including those with disabilities.
Practical Application

Schools throughout the country are using self-determination instruction as a way to better motivate students and meet the growing need to teach children and youth ways to more fully accept responsibility for their lives by helping them to identify their needs and develop strategies to meet those needs.

Researchers have developed and evaluated instructional interventions and supports to encourage self-determination for all students, with many of these programs designed for use by students with disabilities. Many parents, researchers and policy makers have voiced concern about high rates of unemployment, under-employment and poverty experienced by students with disabilities after they complete their educational programs. Providing support for student self-determination in school settings is one way to enhance student learning and improve important post-school outcomes for students with disabilities. Schools have particularly emphasized the use of self-determination curricula with students with disabilities to meet federal mandates to actively involve students with disabilities in the Individualized Education Planning process.

Programs to promote self-determination help students acquire knowledge, skills and beliefs that meet their needs for competence, autonomy and relatedness (for example, see Steps to Self-determination by educational researchers Sharon Field and Alan Hoffman). Such programs also provide instruction aimed specifically at helping students play a more active role in educational planning (for example, see The Self-directed Individualized Education Plan by Jim Martin, Laura Huber Marshall, Laurie Maxson, & Patty Jerman).

Drs. Field and Hoffman developed a model designed to guide the development of self-determination instructional interventions. According to the model, instructional activities in areas such as increasing self-awareness; improving decision-making, goal-setting and goal-attainment skills; enhancing communication and relationship skills; and developing the ability to celebrate success and learn from reflecting on experiences lead to increased student self-determination. Self-determination instructional programs help students learn how to participate more actively in educational decision-making by helping them become familiar with the educational planning process, assisting them to identify information they would like to share at educational planning meetings, and supporting students to develop skills to effectively communicate their needs and wants. Examples of activities used in self-determination instructional programs include reflecting on daydreams to help students decide what is important to them; teaching students how to set goals that are important to them and then, with the support of peers, family members and teachers, taking steps to achieve those goals. Providing contextual supports and opportunities for students, such as coaching for problem-solving and offering opportunities for choice, are also critical elements that lead to meeting needs for competence, autonomy and relatedness and thus, increasing student self-determination.

Posted in Uncategorized | Tagged , , , , , | Comments Off