Law And Order: A Look At BYOD’s Security And Legal Issues

It’s silly for anyone to deny the ever growing popularity of mobile devices. Since the first iPhone, released over 6 years ago, similar types of devices have become increasingly fashionable and for good reason.

Personal devices are not only being increasingly used for work (We can talk about BYOD issues all day!), but more and more companies are currently providing tablets and smartphones as an incentive to their employees. Either way, the mobile nature and familiarity of these devices mean employees become more productive – even when away from their desks.

So for any business it sounds like a win win situation, right?

Obviously, there are plenty of hidden risks when it comes to devices and their mobility, not to mention the major risk to data security. It’s these risks that make it more than essential for businesses to have a clear, standard, defined mobility strategy in operation before the use of personal devices becomes ever-present. And from here, is then where you can truly refine and shape your BYOD policy.

So what are some of these risks?

To lead a successful policy, you’re always starting with the golden question: do we allow BYOD? It should always be noted that even in companies which restrict BYOD; often employees still use their own devices anyway. Given that we are predicting that every employee will be connected to more and more devices by 2018, it could well be the case that employers will have no choice but to form a policy, or face losing their own control of their network.

Taking this all into account, here we through a few considerations into the mix that should be discussed at both corporate level and department to help you build a successful, useful and robust BYOD policy. There is not necessarily a wrong or right way to address all these considerations, as it depends entirely on what suits your business best.

Personal data and sand boxing users – One of the most significant problems with BYOD is that the device is entirely the property of the employee. As such it is neither legal nor fair to prevent them from using the device for their personal use as it’s their personal data. If you allow BYOD you are inherently accepting the personal data contained on that device can be stored alongside the business data, also used by the device.

However it is possible to ‘sandbox’ and split the data out – separating the two types. This can be done with either software or technology or through formal policies. For example, using Cloud-based access to the network of your company, or even a VDI (virtual desktop infrastructure), so that the corporate data is safely kept behind the firewall of your company, while personal data is only stored on the device or the user’s personal Cloud. The policy option may have to state simply how the data can be used or accessed – More difficult to monitor than it is to set up.

Split tunneling – a more hidden but malicious way of having company data compromised, split tunneling is allowing a device to connect to a public network (e.g. the Internet) as well as your corporate WAN/LAN at the same time. While it has many advantages, a linked connection opens your up to malicious programs which could enter your network, opening up risking your data security.

Other stray legal issues with data on mobile devices – Above all the security considerations, businesses should consider legal implications having BYOD. E.g.: where do you draw the line between invasion of privacy and business diligence? What if you were to find some form of criminal activity or misconduct when extracting company data from a personal device? Would you be in the position to discipline, prosecute or fire the employee, or is that a bridge too far?

Posted in Law and Issues | Tagged | Comments Off

How to Hire Mental Health Therapist Online

Hiring a mental health therapist can be a daunting task especially if you’ve never engaged efforts to hire one. There are quite a number of things you need to determine so as to make the right choice. First and foremost you need to identify why you need a therapist; listing down all your needs in a piece of paper can aid in deciding which therapist to hire. There are quite a number of places you can visit to get good information about hiring mental therapist; one of the most preferred avenues by most people is the internet. Mental health therapist displays information about their expertise on their website homepage. Finding such homepage is quite easy; all you need to do is visit your favorite internet search engine and affect a keyword search on mental health therapist.The results will be a number of sites which have detailed information on mental condition. Once you have these results; shortlist a few and click to open the websites. It is very important to get information from good reputable websites which are known to display good information on mental fitness. Visit the testimonial page of the website and read through what other patients experiences, if you find information relevant to you visit then visit the Frequently ask question to read through; on this page portal you may have some of you basic question asked by just reading through and familiarizing yourself with means the site personnel take to offer mental fitness service. Should you find yourself interested in getting more information which may lack on these two portals then you can always contact the site’s customer care services using the contact us page.Whichever means you use to contact the sites customer service it is very important to list down all your queries so that you may present them and stay on rack even when the other party is answering some of your queries. Mental health therapist charge different fees depending on the service they offer. These fees depend on the attention the medical practitioner will have on the patient; patients who access therapy while at home are often charged less fees than those who visit the mental health clinic. Anyone seeking to find a good mental health therapist should also seek to know the therapists professional background; some of the most skilled mental health physician have a very good medical background with lots of success with any mental fitness practice they’ve undertaken. However, one should also be aware that a professional health therapist is likely to charge more fees for his or her time.Should you find that you need to visit a mental health center rather than access therapy advice online then you can always find mental health therapist by utilizing the service guide address es your area; these are great source of information on how one can find good reputable mental health therapists. One should never take their mental condition lightly; all mental health practitioners recommended individual to seek medical help whenever they feel any kind of mental disorder as it is easy to maintain a cropping mental problem than that which has grown to critical stages.

Posted in Uncategorized | Tagged | Comments Off

Payday Loans – The Benefits And Risks

Living on paycheck can present challenges, especially when instant cash is needed in situations that really can’t wait until the next pay date. Running out of cash is not uncommon, but when an emergency arises, you will need that boost and sometimes it can be hard to get. This is where payday loans come into the picture to rescue the situation. They are quick loans that offer short terms financial support until the next paycheck.The payday loans come with varying repayment terms depending on the provider you settle for but the truth is that you are most likely to pay back in a as little as two weeks. They of course can be paid in installments and they do attract interest. The total amount you can enjoy from the loans can be determined by your salary and the financial situation you may be in. They have become very popular, but the least you can do before going for one are getting familiar with the benefits and the risks involved when taking them up.Payday loan benefits

These loans come in handy in emergency financial situations and they are quite discreet. You do not have to worry about your close friends and family knowing about your financial crisis when you can easily access the payday loans discreetly.

The loans can be enjoyed with any collateral requirement. All you need to do is fill a simple application form for an evaluation and you qualify for a reasonable short term loan. You can actually enjoy no credit check payday loans where the lender does not rely on your credit history to give you the financial assistance you need. As long as you have a salary to repay the loan, you qualify for it.

The loan processing is quick and easy so you can access the money when you need it most. You do not have to worry about long loan processing processes when dealing with the short term loans. Sometimes it may only take a few hours for your application to be approved and for the funds to be channeled to you. This is something you really can’t say with bank loans.

Payday loan risks

The loans do not offer ideal cover for long term financial issues. They are most suitable for urgent fund shortfalls for working people and relying on them continuously may mean more financial trouble for some.

Since the loans do not require any collateral or a good credit history, they tend to come with very high interest rates. If you are not very careful when choosing a lender, you could end up with a loan that is just too challenging to repay.

They can affect credit score when you are late on a payment and incur penalties. Some lenders may not require a clean credit history, but these are loans and failing to adhere to repayment can impact your credit score negatively. It is something that can affect access to funding even from banks and other institutions in the long run.

When looking for a payday loan, it is important to first evaluate the financial crisis you are in to determine whether the short term loan is what you really need to fix it. Sometimes you may need some serious expense changes to fix your need for funding. It is most advisable that you stick to the loans only when it is absolutely necessary to get one and when it is the only reasonable financial solution at that present moment. Take time to compare lenders to get yourself better loan and repayment terms that suit your financial status.

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

The Watchful Eye Of An Employer Can Invade The Employee’s Privacy

Employers can be liable for secretly placing a video camera in an employee’s office, even if the employer does not view any of the video. An employer must control his watchful eye and use it in limited circumstances.A California employer, who operates a residential facility for abused children, placed a camera in an office to determine who was accessing pornographic websites at night. The camera was activated at all times in the office. The employer told a few employees about the camera, but not the female employees occupying the office, because the employer feared that these talkative employees may inform the perpetrators. While the camera was activated, a female employee who occupied the office, on occasion, closed the door, pulled down the shade to show her coworker how she was recovering from child birth. The employer was tagged with invasion of the employees’ privacy. It did not matter if the employer viewed the videotapes or not. The fact that the employer had access to viewing was enough to invade the employees’ invasion of privacy. The employees had an expectation of privacy that when the door to their office was closed, images of them in the office would not be transmitted.Employer video surveillance is permissible in widely accessible areas because there are little expectations of privacy. For example, a room in a janitor break room was found to be permissible because the room was readily accessible to others. Jails are another place where the expectation of privacy is low. In a Sacramento jail, money was missing from a jail release office. A camera was installed to focus on the safe and the cash register area. The officer used the office for playing cards, working on his checkbook and his fantasy football league. The court held that the hidden camera was not unconstitutional because of the diminished expectation of privacy in a jail. The expectation of privacy is also low in bars and cafes. However, bathrooms have a higher level of privacy. In California, a trucking company employer videotaped the rest room through a mirror to detect drug use of its driver employees. This was deemed impermissible.What does an employer do to prevent a lawsuit for invasion of privacy as a result of improper video or audio taping in the workplace?1. There should be strict and well-reasoned controls on video and audio devices. The use of any audio or camera devices for surveillance should be limited in a workplace. Videotaping must be justified on the facts and the industry and surveillance should be limited to a specific purpose.2. The employee manual should state that employees have no expectation of privacy in their office and that there may be video or audio taping at any given time. This employee manual warning is similar to the non privacy warning that employees’ receive about emails and computer usage. If an employee needs to undress this should be done in the restroom, where an employee has the highest level of privacy. Courts have found that videotaping in restrooms is impermissible.It is understandable that employers have to limit their liability and need to be watchful of criminal activity or other illegal activity. However, employees do have privacy rights. Employers must strike a delicate balance and make well-reasoned decisions, in light of employees’ right to privacy, before undertaking a secretive watchful eye.

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

Florida Health Insurance Broker And Agency Needed?

If you are in the market for a good health insurance company in Florida, then you should consider yourself lucky since there are so many of them available. With increasing competition there are many Florida health insurance companies, fighting for their share of the market. Choosing the right one can be quite a daunting task indeed. The internet thankfully is a useful aid in your quest for the right Florida health insurance plan.There are many online Florida health insurance companies that come to you with a host of offers and options for your entire family. The internet is one good source to learn about Florida health insurance plans and the different options available to you. Go through as many web sites as possible. There are scores of web sites which give comprehensive information. Moreover it is very convenient to get rates through online resources once you have decided to go in for a Florida health insurance plan, you should make sure that you thoroughly analyze your needs. This would also mean a hassle free health insurance experience.Consider as many Florida health insurance companies as possible during your initial search phase. One person who can help you out with your search would be your insurance agent advisor. They may be in touch with several insurers and may be able to guide you in your search for the right Florida health insurance company. They would also offer your honest and valuable advice on the various Florida health insurance plans that are available.Make sure that you obtain all the available cost information from your Florida health insurance company. Analyze your paying capacity and find out what is that you can afford as a premium for your Florida health insurance and find out in detail about every kind of cost involved in a health insurance plan. Get to know all the possible information from the different insurers and agents you may be dealing with. This enables you to compare and then arrive at the best Florida Health Insurance Company and plan.Ask relevant questions and clarify all your doubts. You should be able to elicit proper answers to his/her queries from the Florida health insurance company. Try and find out from each insurer the list of present plans and find out which is the most popular plan going around currently.Choose a Florida insurance company which meets your needs and circumstances the best, since you will be dealing with the home loan company for a reasonably long period of time. It is always best to go through referrals as far choosing a reputed Florida health insurance company is concerned. A good health insurance company would have been in the business in Florida for a substantial period of time. They should be enjoying a great deal of goodwill in the market among people of Florida. Make sure that your Florida health insurance company is licensed to operate in the state. This is a good way to find out about the credentials of a Florida health insurance company.Another good source that can help you out with your Florida health insurance plan would be some of your friends or even family members. They may have already availed health insurance plans from different health insurance companies in Florida and therefore be in a position to offer you honest advice.

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