Scheduling Employees Must Obey Applicable Laws and Account For Employee Shortages

In uncertain economic times managers must be able to schedule labor correctly in a consistent manner, keep employees happy, and reduce fines imposed by legislative authorities, such as the Department of Labor. Businesses should seek to use cost effective computer employee scheduling software programs to ensure that proper scheduling techniques are utilized. Effective scheduling software will be able to schedule meal and break periods, accurately calculate overtime costs, and archive previous schedules for managerial review.

Example: The general manager at an ice cream store needs to ensure that one manager is always on duty, as well as a number of representatives are available to scoop ice cream. Each employee is required to receive a number of breaks during their shift, and this particular business prefers to hire employees who are minors to fill “holes” in the schedule. During a normal work day, between three and four employees are working.

By not carefully scheduling the break and meal periods and minor rules, the manager may end up with a shortage of staff as multiple employees take breaks (or leave for the day) at the same time, and minor employees leave for home. During the labor shortage, customers will not be serviced appropriately. Alternatively, the manager may choose not to send employees home when they should or allow breaks to proceed – grounds for heavy fines, a lawsuit, and/or increased insurance premiums.

Labor & Industries (L&I) audits are common in some US states (California, Washington, Oregon, and New York are the most common) in restaurant, food-service, and other hospitality-related industries. These audits are performed by the state or by insurance companies to verify that the business has complied with all applicable regulations.

Audits focus on unpaid overtime, minors working too late or too early, break and meal periods that are not properly documented, and other violations. Rule infractions can be punished with stiff fines and/or insurance premium increases. Make sure that all employees are aware of the applicable rules for the city, county, and state / province. Follow federal / national rules (where applicable), corporate rules, and insurance regulations (if applicable).

Where possible, automated employee scheduling systems should be utilized to enforce these rules reducing the administrative burden placed on managers – allowing management to work on other pressing issues such as training, customer service, and management tasks which cannot be automated by cost-effective technology solutions.

Capture Wonderful Memories With Family Portraits

Many families love to take impromptu pictures. However, when looking through photo albums later in life, many kids and parents notice an absence of complete family portrait photos. It’s not hard to know how this tends to happen – usually one loved one is holding your camera and taking the photos. For this reason, many of your family photographs will include some family members, but not often every family member. If you want to have a better photographic history of you and your family, then it really is smart to work harder to have more complete family portrait photographs taken as the family gets older.Professional Family PortraitsEven though professional portraits will be more expensive than the pictures you take with your own camera, they can be a great addition to the remainder of your family’s photograph history. Some families want to have a tradition of having their loved ones portrait taken at some significant time of the year, like during the holidays. Since these photographs are taken with a professional, they usually have a much higher quality as opposed to quick snapshots that a person would take with their own camera. Attractive backdrops, perfect lighting conditions, and often props will help generate photographs that the family will highly treasure. Not only can you put these photos in family albums, but they’re an easy way that you can decorate the house. Simply place a few of these professionally taken family portraits in picture frames, displaying them over the mantel, shelf or table.Family Vacation PhotosFamily vacations are an excellent opportunity to take photos together as a family. However, many vacation photos are taken by members of the family, so it’s common to have a single person missing from each photo. To create complete mementos of your vacations, try to look for ways to get everybody in the photo together. Frequently tourist attractions and theme parks can take pictures of the whole family together. This is one terrific way for you to have a vacation picture of your entire family enjoying a great time together. You could also ask a stranger to take a photo of your entire family with your camera. Although you might worry that somebody might just run off with your camera, the truth is most people are honest and would be pleased to help you take a family portrait. It can be fun to devote an entire shelf to family holiday photos, attractively displayed in picture frames.Photo CollagesBuilding a photo collage is an additional good way to feature all members of the family. Often times you will see that you’ve got a pile of some terrific photos, and not one photo has each individual family member within it. One way that you could solve this matter is simply by arranging your photographs in a collage fashion and create a single photo display out of your whole collection of photographs. When you use this method you can frame holiday, vacation, or everyday photos and have every family member included. Another bonus to this particular way is that photo collages can end up more interesting and artistic than a single photograph. A different way to display multiple photographs is in some specially designed frames that contain multiple openings.So, do not allow any more time to pass. Capture your whole family inside a family portrait, and you will be glad that you did.

Direct Payday Lenders Online: Payday Loan or Credit Card?

Direct payday lenders online offer a valuable resource for consumers who find themselves experiencing short-term financial difficulties during tough economic times. When a car breaks down, a tooth needs to be filled, or bills are higher than expected, getting an advance on your paycheck may be a better option than reaching for a credit card. Having options is what helps us make good choices but when it comes to money, it’s important to know all of your options and what kind of effect your choices will have on your finances.While credit cards may seem “easy”, paying them off after you have relied on them one too many times can be just the opposite. Of course, the decision you make may be a matter of economics. Using plastic credit is an option but remember, unless you want to incur interest charges you must pay back in full what you charge when you receive your statement. If you aren’t able to do so, your balance will only grow as interest (and possible fees) are tacked on over time. Credit cards are known to carry some of the highest interest rates of all types of credit and can ultimately cause what you to pay double for something, depending on how long it takes for you to pay them off. While the credit card companies do nothing to discourage you from “charging it”, you may be putting yourself into a dangerous position financially. This type of credit can end up turning into long term debt when all you really wanted was some short-term help.Fast cash payday loans, on the other hand, can help with emergency cash needs but close the door on an open-ended line of credit when used responsibly and wisely. These types of small-dollar loans are meant to be acquired and paid off quickly; strictly for temporary financial needs. While credit card companies require only a minimum payment every month, potentially causing you to be in debt to them for months or even years, payday loans require you to pay back what you borrow the next time you get paid. Therefore you are able to take care of that last minute trip to the dentist or that unforeseen car repair when needed, but pay back what you borrow as soon as possible. So often it seems like these financial mishaps happen a few days before payday, when there is nothing left to draw from you bank account. There are even times when a utility bill or insurance premium will come due before you get paid because of the fact that the billing cycle has fallen out of sequence with your pay cycle. Turning to a payday loan may be just the boost your checkbook needs to see you through until your paycheck goes in the bank.There is also the issue of the fees and/or late charges that can be tacked onto your credit card should you be unable to payoff your balance in a timely manner. If these charges assessed by your credit card company are going to be more than those of a payday loan, it may be the wiser choice to take out a short-term loan with a payday lender and pay it off quickly versus being charged a small fortune because it took so long to pay off that credit card.The bottom line? There will be times when using your credit card is the most appropriate choice for your particular financial scenario. Keep in mind that paying the balance off every month is essential to successfully managing your expenses. In doing so, you can use credit to your advantage while taking care of that last minute bill or emergency expense. However, if you are looking for fast cash but don’t want to turn to your credit card, seeking the help of direct payday lenders online may be the most economical choice in the long run.

Employment – Loss of Statutory Rights – Compensation

The recent case of Corbett v Superdrug Stores Plc [2006], addressed how to calculate the award for an employment dispute. The employee had been working for the employer for more than 10 years when she was unfairly dismissed. She brought her case before the Employment Tribunal and was awarded the sum of £1,420 for loss of her statutory rights. However, the Tribunal neglected to give an explanation as to why that figure was reached.The main problem was that it was not made clear how that figure was reached. There were three potential reasons why the Tribunal awarded her that amount:* It was compensation for the loss of protection against unfair dismissal which it would have taken the employee until 17 May 2006 to acquire; or* It was compensation for the loss of the right to long notice which she had built up with the employer and did not receive; or* Both.The employer appealed against the amount awarded to the Employment Appeals Tribunal (“EAT”). It argued that the Tribunal had erred in awarding the sum of £1,420 for ‘loss of statutory rights’. The employer said that in making this award the Tribunal had used the conventional label for compensation for loss of protection from unfair dismissal and such an award normally attracted an award of around £250. By awarding the employee £1,420 the Tribunal had wildly exceeded its discretion, perhaps due to undue sympathy for the employee.The employee submitted that the Tribunal had acted within its powers and that the sum of £1,420 was awarded to reflect the fact that she had lost her statutory rights. Considering she had been employed for over 10 years, she believed that she was entitled to 10 weeks notice which would take a further 10 years to build up again, and therefore the award was justified.The appeal was allowed. The EAT ruled that the Tribunal had failed to explain why it had reached the conclusions which it had and had awarded almost six times the usual amount of compensation without an appropriate justification. Although the employee had been employed for more than 10 years and would have accordingly been entitled to compensation for the loss of the right to long notice, it was not appropriate to calculate the amount by applying the simple arithmetic multiplier which was relied upon by the Tribunal. In addition, there were no submissions made by the employee before the Tribunal regarding loss of right to long notice, and therefore an award should not have been made in this regard.The EAT ruled that the award would be recalculated by the same Tribunal after hearing the appropriate submissions.© RT COOPERS, 2006. This Briefing Note does not provide a comprehensive or complete statement of the law relating to the issues discussed nor does it constitute legal advice. It is intended only to highlight general issues. Specialist legal advice should always be sought in relation to particular circumstances.

Teen Fitness, Teen Health and College Health: Small, Easy Changes Before Big Ones

Teen fitness, teen health and college health issues are everywhere. Teen fitness because teens are overweight, college health because of the “freshman 15″ and teen health because of weight issues like Type II Diabetes.How can we make issues like teen fitness and college health less of such an incredible concern? When people talk about “teen health”, how can we make sure the conversations are about how great our teen health is? Why can’t “teen fitness” mean how fit our teens are?When trying to change things like college health and teen fitness, we need to look at the micro instead of the macro. Sure, teen health wouldn’t be a big deal if all the McDonalds in the country were gone. And sure, college health would be a lot better if college students didn’t drink. And finally, teen fitness would be a lot better if everyone made a varsity sport and there weren’t any vending machines in cafeterias.But lets face it, college health, teen health and teen fitness is at the forefront of our society’s concerns because these things aren’t true. Because of this, college health and teen fitness will not improve with drastic changes. Teen health will be improved with small changes.Sure, fixing college health would be great by eliminating keggers. And obviously teen health and teen fitness would improve without the Internet. But in today’s day and age, these things aren’t going to happen. Teen health and teen fitness will continue to diminish and college health will keep getting worse without small changes.Simple ways to improve teen health, college health and teen fitness:-Look for healthier options at the vending machines. Teen health is declining every time a student chooses a Ho Ho, Twinkie or packet of M&M’s. Most vending machines have healthier options.
Small change needed to improve teen health and teen fitness: Switch to a healthier snack like pretzels or baked chips. Or, if you can’t do that, try to only hit the vending machine once every other day. Either choice will save you hundreds of calories a day. This will certainly help teen health and teen fitness.-Workout, but remember, this doesn’t mean for 90 minutes a day. Teen health, teen fitness and college health wouldn’t be as bad if students exercised a half hour a day. That’s all you need. (Go to [http://www.GenerationYfitness.com] for free and short workouts) Working out for 90 minutes is a thing of the past, and teen health, college health and teen fitness would be improved if you realized this.-Watch liquid calories for better teen health and teen fitness. By liquid calories I mean everything from beer (college health would be a lot better!) to soda. And, what some people don’t realize, is there are more calories in a regular soda than a beer! Liquid calories certainly add up and are clearly affecting teen health and college health.
Small change to improve teen health and college health: Switch to diet soda, and if you must consume alcohol, switch to light beer and cut down on the drinking in general to save thousands of calories (and dozens of pounds of fat).-Learn to read! Teen health and college health would be improved if you learned to read…nutritional labels, of course. Teen fitness would be fixed if you read these and learned how bad the food is that you’re eating actually is. And, teen fitness and teen health would be improved if you learned about serving size.
Small change to improve college health and teen fitness: Stick to serving sizes when snacking.College health and teen fitness doesn’t need drastic changes to improve. Teen health can be fixed with small changes first, then drastic changes after.

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.

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.

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.

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.

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.