Why Buy Digital Stamps When There’s Free Clip Art?

Many crafters assume that digital stamps are not worth the price, because there’s a multitude of clip art and imagery available on the Internet. A quick search will bring up a lot of images for you to use at home…so why would you buy a professional digital stamp image? Let’s find out why!There is a huge difference in the quality of a professionally designed digital stamp image versus clip art graphics. First of all, designers create digital imagery for the crafter in mind, so images are black and white allowing you to color it in and finish as you please. Part of the fun in the art of stamping is coloring and embellishing your images to create unique versions. Clip art is usually a low quality colored graphic meant for use on the Internet only.On your computer screen you might not always see the difference, but images designed to be printed are high resolution at 300 dpi. Basically, it means that the image is very large in size, so you can print it out with the crispest lines and curves, no jagged edges even if you print at full-size for a big handmade card or papercraft project. Since clip art is designed for the web, it is usually only 72 dpi and very small in size. Printing often results in a jagged or rough image outline.Since crafters love to color and decorate their images, digital stamp images are also designed with that aspect in mind. We want you to express your artistic talents and taste with the base image to work with. Again, it’s part of the fun in this craft. With the crafter in mind, designs are created for ease of color, cutting and assembling…not just any random design.In addition, many digital stamps also come as PNGs, meaning the background is transparent. This allows you to easily combine images together to create a unique scene for your project. With transparent backgrounds you can also print on colored and patterned paper without problems, especially for those who like to paper piece.Although there are some types of clip art or graphics that will do – such as large printable coloring pages for kids – you will never find the variety and detail of imagery in free graphics. Digital designers work very hard to create their stamps and are crafters themselves! For the best quality images to create a polished project, definitely look to professional digital stamp images.

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How to Make Big Career Decisions a Little Easier

How do you feel about the work you’re doing? Are you enlivened? Is your career headed down the path you had in mind? Or do you find yourself wondering whether it’s time to make a career change that will help you meet your goals? If you’re considering such a change, the enormity of this decision may be weighing on you, as you evaluate a choice that will impact more than your work life.When making career decisions, you’ll benefit by breaking the decision down into smaller parts, to help you identify the criteria most important for you. Once you identify your needs, interests, values, and ideals for your work, you will have what you need to evaluate the suitability of your current and potential future jobs.Getting Started What are the Core Needs you have in order to become fulfilled at work?Theorists have found that we are born with our Core Needs, and they stay with us throughout our lives. Individuals, either consciously or unconsciously, tend to look for ways to have these needs met. When met, people feel energized and enlivened. When missing, people tend to feel more drained of energy and dissatisfied. Therefore, the extent you can align your Core Needs to your work will enable you to realize greater joy and satisfaction.Questions you may ask to clarify your own Core Needs include:1. What do you consider essential in order to be fulfilled at work?2. What are your most cherished values?3. In what ways do you prefer to interact with others?4. How do you like to get your work done?The outcomes of such questions result in your ability to identify your core needs, values, and preferred approach to your work. Take your responses, and start a list of each need you have, and how important each need is. An example is offered below.Career Decision Criteria CORE NEEDS ~ RELATIVE IMPORTANCE *Make a significant impact ~ Must Have *Skillful performance ~ Must Have *Variety ~ Must Have *Contextual Thinking ~ Must Have *Ability to take the time necessary to get the best result ~ Must HaveWhat are your Compelling Interests and Motivations? The second set of questions to ask yourself will help you identify your Compelling Interests and Motivations. Researchers suggest that our interests and motivations tend to stabilize by our mid-twenties, meaning you may experience a bit more change in this area than in your Core Needs. As your career progresses, you’re likely to find this area stabilize.Identify your Compelling Interests and Motivations by exploring these questions:
1. What kinds of occupations have you always found most interesting?
2. What subjects are most interesting to you?
3. What work activities have you enjoyed the most, and why?
4. What do you find particularly motivating?
5. What do you never grow tired of talking about?Once you uncover your Compelling Interests and Motivations, you will be able to identify your most compelling occupational themes, interests, and motivating factors that will provide another set of inputs towards your decision.Career Decision Criteria COMPELLING INTERESTS/MOTIVATIONS ~ RELATIVE IMPORTANCE *Helping others in original, imaginative ways ~ Must Have *Independence ~ Must Have *Writing ~ Must HaveWhen you’re aware of your Core Needs, Compelling Interests, and Motivations, you’ll have a much greater ability to weigh various career decisions against this set of criteria that is true to your ideal career qualities.Of course, the complexity of a career decision doesn’t stop there. There are at least three, and possibly numerous additional criteria categories you have for your career. The three aspects we’ll cover next are the places where you may find the most change throughout your work life.What is your preferred work Context? Context has to do with who you serve in your work, who you work with, where you work, and how you work.To clarify your preferred work place, customers, and coworkers, ask yourself questions such as:1. Who do you want to serve in your work?2. What qualities do you value in your coworkers, managers, and workplace?3. Where do you want to work?4. When do you want to do your work?5. How do you define your ideal work day?Career Decision Criteria PREFERRED CONTEXT ~ RELATIVE IMPORTANCE *Working from a Home Office ~ Like to Have *Having a regular and stable schedule ~ Like to Have *Having a combination of work as part of a team, and independent work ~ Like to Have *Working with people who value quality and relationships ~ Must HaveWhat Competencies do you want to be able to use at work? This next area, Competencies, also contains elements that will serve you and remain constant throughout your work life, while others will come and go as your work environments change. This is where you want to do some work describing the knowledge, skills, and abilities you’ve developed that you want to keep, and what new competencies you want to add.These types of questions will help you identify your preferred competencies: 1. What knowledge, skills, and abilities have you developed that you enjoy using? 2. What projects or work experiences do you think of as your career highlights? 3. What new competencies interest you?Career Decision Criteria COMPETENCIES ~ RELATIVE IMPORTANCE *Listening and identifying unmet needs of others ~ Like to Have *Communicating effectively through writing ~ Must Have *Designing customized programs for customers ~ Like to HaveWhat Connections are most important to you? The Connections you have throughout your Career will be diverse. Some of your connections will stay with you over many years, and others will come and go as your circumstances change.When considering your potential change, ask yourself these questions:1. Who do you love to be around, and why?2. How does your spending time with these kinds of people enrich your life?3. Who do you support, and who supports you, in your career?Career Decision Criteria CONNECTIONS ~ RELATIVE IMPORTANCE *Opportunities to stay current and connected with others in my field ~ Must Have *Finding a mentor in my workplace ~ Like to Have *Working with peers who have similar skills ~ Like to HavePutting it all together: After you’ve found clarity regarding your most important career decision criteria in the above five categories (Core Needs, Compelling Interests and Motivations, Context, Competencies, and Connections), you can build a decision table to reference as you evaluate your current job and research new jobs. To create your table, you may want to use MS Excel, or simply write all your criteria down on one sheet of paper. Your criteria will be listed along the left hand column, with the Relative Importance directly beside your criteria. Then, create a column for every job you want to evaluate against these criteria. Start with your current job. If you find that your current job truly does meet all of your needs, yet only one or two desired qualities are missing, you may want to start by exploring what possibilities there are for bringing what’s missing to your workplace.If you find yourself struggling to generate meaningful answers to the kinds of questions asked throughout this article on your own, you may want to consider working with a professional career services provider, so they can help you gain the level of clarity you need to make a sound career decision. Good career service providers offer a full range of career assessments, tools, and resources to help you make decisions and navigate through the career transition process.The career landscape presents thousands of job choices that can be overwhelming in their diversity. This approach of breaking a big career change decision into smaller parts helps you quickly identify your values, interests, natural talents, and working style preferences, all of which will help you narrow the vast array of choices you’re faced with when selecting or changing your career. Once you find clarity regarding your core needs and interests for a career, then the work of active experimentation, networking, informational interviews, and job shadowing can take place within a few targeted areas. As you align your work and workplace to your personal preferences, natural talents, and interests, you’ll find that you experience much less strain and greater satisfaction in your work.

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United Health Care Insurance – Choosing the Right Coverage for You

There are many different health insurance companies in the United States. Not all are available in every state, which is one reason why there can be several top insurance companies in the country. One of these is United Health Care, a company that was founded in 1977. Its goal, like many other insurance providers, is to give customers a fair, competitive price on comprehensive health care coverage. More than 18 million people put their health care costs in the hands of United Health Care. A network of over 450,000 doctors and 4,500 hospitals that accept United Health Care insurance operate in all 50 states. This is an excellent benefit because no matter where you live or where you are traveling to, you will have a source for medical care nearby that is covered by your insurance.The plan you choose is dependent on many variables. No single United Health Care insurance plan will work for everyone, which is why there are so many coverage options today. If you are generally healthy, you will want a limited coverage plan that covers events of great catastrophe. The truth is that no matter how healthy you are today, there is always a possibility that you will suffer from a terrible accident. This is a horrible situation to imagine, but with catastrophic coverage, you know you will have some financial help.Some people are not lucky enough to avoid the doctor’s office for more than a few weeks or months at a time. If you have a condition that sends you back to the doctor’s office or hospital on a regular basis, you want United Health Care insurance coverage that will benefit you by covering a greater percentage of doctor and hospital visits. Your premium may be higher, but the savings you experience by having so many medical visits paid for will make this kind of insurance worth it to you.You may take a lot of prescription drugs. If this is the case, United Health Care insurance that helps cover these costs will certainly be beneficial. The goal of all kinds of insurance is to save you money. If you are signed up for a prescription drug plan that costs a few hundred dollars a month simply to save on a $40 medication, you see that adding this facet to your coverage does not in reality save you any money, but costs you more than you would spend without this additional coverage.If you need assistance in locating particular coverages at a pre-determined price, we can help save 50% on health insurance

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Is the IFA Correct About Employment VS Commercial Loans?

Despite what many politicians have led us to believe, jobs are created in the private sector, not the public sector. In fact there is a direct correlation to the number of jobs in the public sector to those in the private sector. That is to say when there are more people working for the government, there is less economic activity going on in free enterprise. I have many theories about this myself and many free-market economists believe it has to do with the business cycle, but I believe that the more people who work in the bureaucracy, the more rules and regulations are compounded upon businesses thus, causing the private sector to hire fewer people.Indeed, I would point to ObamaCare and such things as a severe growth of the bureaucracy causing many business owners not to trust the future of the economy, and when there is a low business confidence, there are fewer jobs created. So I have a question to ask you, let’s do a pop quiz;Where do jobs come from?Well, jobs come when new businesses start or existing businesses expand in the private sector or government sector, but as I said before too many jobs being created in the government sector will decrease the number of jobs created in the private sector. Okay I’m glad to see we got that straight.For businesses to expand, often they need increased capital, and sometimes they get this money by borrowing it from commercial banks and taking out commercial loans. Of course, no business owner in his right mind would borrow money if they are unsure about increased future regulations in their industry, or the strength of the economy moving forward.Not long ago there was quite an interesting article in the American Business Journals titled “Oversight Eyed for Consumer Protection Unit” by Kent Hoover posted on March 25, 2011 and in this article it stated; “A shortage of financing for franchised small businesses could cost the economy 80,000 new jobs this year, according to the International Franchise Association [IFA].”It is my contention that 80,000 new jobs this year in franchise companies due too hard to get loans is quite the underestimation. For instance, McDonald’s alone said it would hire 500,000 people in the next year, and that is one company. If all the franchisees that are in existence, and all the new franchises that might start suddenly got the loans they needed, providing there were people who were confident about the future of our economy enough to take out those loans; it could easily result in 4-6 million jobs in 2011 (only in the franchising sector).Therefore is much as I would love to plug the International Franchise Association right now because I do believe it’s a solid organization, but I think they are totally off on their calculations, and believe they are correct, but the number is much, much higher. Indeed, I hope you will please consider all this.

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Commercial Property FAQ

Should I contact a specialist solicitor for advice?The lease is a legal contract between you and the landlord and failure to abide by the terms of your lease could lead to court action. It is therefore highly advisable that you employ specialist commercial property solicitors from the outset.I have found new premises – what are the next steps?Once you have found new premises for your business, you will need to negotiate the terms of a commercial lease with your landlord.This lease is a legal contract and failure to abide by its terms could lead to court action. It is therefore highly advisable that you employ commercial property solicitors from the outset so that they can:-prepare the Heads of Terms which summarise the terms for a new lease agreed between you and your landlord which is used in the preparation of the lease -review and make any necessary amendments to the lease to ensure it does not contain any detrimental terms – the first draft of the lease is generally prepared by the landlord’s solicitor and is consequently weighted in their favourHow long should I rent for?Commercial leases are rarely granted for longer than 10 or 15 years and there is typically a tenant break clause option from the beginning of year five, enabling you to terminate the lease. Try and negotiate a break clause if there is not one and also check the small print as tenants often have to comply with all lease obligations before they can exercise a break clause and your landlord could refuse simply on the basis of failing to redecorate or carry out minor repairs to the property, for example. When the lease does expire, you will almost certainly have an automatic right to renew unless your landlord needs to occupy the premises for his own business purposes or has plans to demolish or redevelop the property.How much rent can I expect to pay?Find out the average rent for similar properties in the area something a solicitor can assist you with. Most landlords expect tenants to pay rent for the next three months in advance so ask them if they will allow you to pay rent monthly in advance. You should also check if the rent will be vat able and whether you can claim it back. If you wish to make changes to the premises most landlords will agree to a rent-free period to compensate for this cost.Should I seek advice from commercial property solicitors?The lease is a legal contract between you and the landlord and failure to abide by the terms of your lease could lead to court action. It is therefore highly advisable that you employ specialist commercial property solicitors from the outset.Are there any other charges and costs to consider?Yes. These include annual insurance costs for the premises, local authority commercial rates, property taxes on the lease and utility charges (electricity, telephone, gas, water, etc.). If the premises form part of a larger building such as a shop in a retail outlet or office in a block, you will also be liable for an annual service charge which covers the cost of maintaining and repairing shared areas of the building such as visitor areas, driveways, landscaping, kitchen facilities, etc., Ask the landlord for the average year’s service charge and how this is calculated, as well as the last three years’ service charge accounts so that you can negotiate a cap on the amount.What about repairs to the premises?Ask the landlord to carry out any immediate repairs before you take on the lease but establish who is paying for them. You may also need a surveyor to check out the condition of the premises. Most landlords will pass responsibility for their repairs, maintenance and replacement to their tenants.What is a Service Charge?This covers the cost of maintaining and repairing shared areas of the building such as visitor areas, driveways, landscaping, kitchen facilities, etc. if the premises form part of a larger building such as a shop in a retail outlet or office in a block. Ask the landlord for the average year’s service charge and how this is calculated and the last three years’ sets of service charge accounts so you can agree a cap on the amount. Commercial Property is a highly complex area of the law and there are many other terms of the lease including restrictions on transfers of the tenants’ interest in the lease, sub-letting, use, alterations, signage, etc. Contact specialist commercial property solicitors to ensure professional legal and valuation advice is sought from the outset.

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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.

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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.


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.


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.


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.

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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.

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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.


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.

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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.

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.

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.

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