Sending Gifts to Pakistan on the Eid Festival

Sending gifts to Pakistan is not difficult, and the Eid festival is when most people send such gifts to their loved ones. A gift is a wonderful way of expressing your love to someone. It will bring a smile and cheer to the face of your family member that may not have seen you for a long time, but even if they see you every day, the Eid festival is a good time to send gifts.However, it is not only Eid gifts that you send to Pakistan but you can send gifts to Pakistan in every season. Although the best seasons for sending gifts are Eid and Ramadan, you can also send gifts on Eid-ul-Adha and at any other time. For the Eid occasion, a nuts tray is an awesome gift. A tray of mixed nuts such as pistachios, cashew nuts, peanuts, almonds and walnuts can be gifted to your loved ones.It is very important to celebrate the Eid festival by exchanging gifts with your close relatives. There are vast ranges of gifts that you can select from and present to your family and friends. Though there are several offline gift shops and markets in the streets and shopping malls, online gift stores offer an inexpensive way of buying and sending gifts to Pakistan with just few clicks. You can save a great deal of time, effort and money by using online gift shops for sending presents to your loved ones.You do not need to walk the streets to visit offline shops to browse through items and make your purchases. When you use an online gift shop you can lay back in your own home and browse through the online catalogs before deciding on the item you want. You can pay online, and save time, effort and petrol costs. Your time is precious. You can make someone feel very special by selecting ideal gifts for your beloved parents, families or friends from these stores.You do not need to waste your time walking through the different shops and trying to find gifts that suit you, or even searching shops then ending in frustration when you cannot find suitable or valuable gifts. If you want to send gifts to two or three different friends or different locations, then online shops such are the perfect solution for you. As with online gift shops around the world, the Pakistani online shops are also catching up pace. You just need to place the order and tell them your required delivery date and they do the rest on your behalf.Life is becoming busier and more hectic, so much so that one cannot find time to wander around a market to hunt out suitable gifts for different people. Simply search for the online gifts shops offering delivery to Pakistanor enter the website’s URL of one of your known company into your browser address bar and you easily find a variety of awesome gifts that are suitable for almost every occasion.If you know that you are going to be busy or totally tied up close to the date of the occasion, such as Eid or a birthday, you can book your gifts in advance and arrange them to be delivered on a specific date. You can order gifts to be sent on an Eid occasion a month or two ahead of Eid, or do the same with someone’s birthday so that you do not fail to mark the occasion because you are busy.Many people book their orders in advance to make sure they do not forget it later, or because they might get so busy at work and Eid preparations that they won’t get time to send gifts at the time the occasion arrives. Gift-sending shops will take care of that. You just need to specify the date and time of the year you intend to send the gift and the rest will be done for you.On the other hand, if you forget to send the gift when you should have, some online gift shops can deliver your gifts urgently and even offer midnight delivery. A number of online gift shops will offer that service that can be of great value to the busy executive. They can handle any urgent emergency order round the year on any occasion needed.For example, if your sister’s birthday has arrived and you forgot to place the gift order for her, you can give a call or fax to online gifts shop just a day before, or even the night before, to deliver your gift the very next morning along with your greeting card and message.They will do it for you instantly and take care of all your gift-sending requirements. Whether it is a celebration of Eid or Ramadan or any other, occasion you can always trust the name of Giftshift.com in handling all your gift delivery needs. If you do not find anything specific that you are looking for on our website then just fax or email details of the type gifts you want to send. The rest will be done by them to assure your satisfaction.There are many reliable services that can tackle all Eid gift orders and any other urgent orders. You can select from the huge variety of gifts offered for Ramadan and both Eids. You can place your order online, or order by telephone or fax. Using online gift stores for sending gifts to Pakistan has become easier, and with one click of a button you’re done and your loved one will get your love.

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Evolutionary and Philosophical Insights Into Global Education

I know that I know nothing – ipse se nihil scire id unum sciatHe himself thinks he knows one thing, that he knows nothing (Socrates)Education is learning what you didn’t even know that you didn’t knowThe word education is derived from the Latin term ‘Educatum’, which means the act of teaching or training or to lead out. In a wider context, however, it penetrates and influences almost every aspect of our lives, from birth onwards. Education affects what kind of people we and our families will become.Education is everywhere and it is supposed to be available for everybody. We can read, hear and see education and its diverse multi-cultural and multi-media implications and implementations in books, theatres, films and advertisements, as well as in kindergarten, schools, and universities, at work, all over the Internet and in all aspects of daily life. Across the world media are saturated with a variety of educational information, research reports and teaching methods.Our need for education is increasing rapidly. The basic need is significantly enhanced by the advancement of science and technology. In other words, advances in science and technology mean that the workforce needs to be better educated.
Educational systems worldwide are changing in an attempt to meet this demand, supported by governments and private providers.Meeting the increasing demand for education requires novel methods and sometimes unorthodox approaches to transferring knowledge to the next generation.The most significant changes in educational systems occurred during the last century although change has been continuous from the very earliest times.Education, religion and morality are the most significant components of human society. In this work the terms religion refers to all religions, as we will not discuss the differences between Christianity, Judaism, Islam or any other religions; neither will we discuss the influence of specific religions and their associations with particular ethnic groups.The discussion here focuses on the impact of religion and morality on education and on the relationships among them.Throughout human history religion has had considerable impact on our way of life and societies throughout the world have benefited from education and knowledge.Religious leaders are concerned about the increase in secular scientific education as they believe it may have a negative impact on religious faith. This concern is corroborated by social scientists who argue that educational and scientific advancement can lead to reduction or even loss of religious faith.My observations indicate that there is a clear asymmetry between biblical literalism and secular education. A biblically literate qualified person will not be as open to carrying out or accepting the findings of secular scientific research as his or her counterpart. In other words, a scientifically literate individual will be more open to, and accepting of biblical studies than a biblically literate person would be with respect to scientific knowledge and research.This asymmetry is obvious in many mixed societies, such as Israel. This observation also suggests that a person who has had a secular education is more inclined to absorb biblical influences than the biblically literate person to absorb secular influences.We face several problems when we investigate religion and morality, especially when dealing with the claim that there is a conflict between the two. It is sometimes claimed that morality is embedded in religion, or that religion is moral, but a moral education does not have to be a religious one.There are, of course, obvious differences between religion and morality, especially with respect to their objectives and aims. The purpose of moral education in schools is to nurture virtue and to start a cultural conversation about certain moral issues, which are part of our traditions.In modern times education has become dependent on economic and technological developments.However the essence and the meaning of life come from morality and religion rather than materialism.Religious leaders argue that without a religious component to education we might lose our ability to discuss virtue, love, self-sacrifice, community duties and justice. The absence of religion from educational curricula is generating hostility amongst religious groups and may come to divide communities and start unnecessary cultural wars.Atheism asserts that there is no link between morality and religious behaviour and that we should therefore teach about morality without reference to religion. Religious groups demonstrate by their practices the falseness of the claim that morality is independent of religion and therefore there is no need to distinguish between them. By practicing the religious beliefs, there are many psychological influences in the morality arena. In other words, endorsement of religious beliefs entails a specific perspective on morality.After my family immigrated to Israel from Hungary I attended the religious school at the Orthodox Chasidic quarter of Bnei-Brak called Wischnitz. It was a small village named after Wischnitza, a town in the Ukraine. The teacher, who was also the Rabbi complained to my father that I was disturbing the peace by constantly asking questions. I couldn’t accept the Rabbi quoting from the Bible, “Naaseh V’Nishma”, which means “first we’ll do and then we’ll hear and understand” or, in plain English,
“Just do what I tell you to do, explanation will follow”… I wanted the explanation first…History clearly demonstrates that there is a compulsion to bring religion and morality or the lack of it into politics and that this makes for a dangerous combination. One of the reasons for involving God in fights, conflicts and wars is to unite as many active and non-active believers behind one’s cause, whatever that may be.Let us illustrate this with a small-scale example. Assume that in a small village somewhere people have blond, black, red or white hair. The four hair colours are distributed evenly among the people of the village. The blonds don’t like the blacks. The blacks don’t like the whites and nobody likes the reds, so there is complete harmony…The only thing that unites the blacks, reds and whites is their religion; they believe in EGO God Almighty, whereas the blonds consider AGO as God. The villagers built two houses to worship these two gods.All the villagers have small farms on the same tract of land drawing from the same source of water. The blond men are more creative and invest their knowledge, money and energy in their farms, working day and night with their spouses in the fields. The rest of the village men are lazy, smoking pipes and playing cards; only black, red and white women work in the fields.One day two neighbours, a blond and a black have a dispute over garden pests.
It is nothing serious and it should be resolved quickly and amicably, but it escalates into a big fight involving some of the protagonists’ neighbours.The reds and the whites just smile, as they are not involved in the conflict and don’t like either the blacks or the blonds.The case is eventually brought to court and a jury composed of equal numbers of blonds, blacks, whites and reds is selected. During trial the blond farmer claims that snakes, scorpions and other pests from his black neighbour’s farm are destroying his garden, getting into his house and endangering his children. He says that he has several times asked his black neighbour to deal with the problem but that his neighbour just ignored him. To prevent the problem getting worse the blond farmer built a fence. Now his black neighbour is suing and asking that he be ordered to take the fence down as it disturbs the neighbour’s view and stops the neighbour walking through his yard as he was won’t to do.It becomes obvious that the judge and the jury are going to support the blond farmer’s case and so the black farmer plays his last card. He claims that he has been unable to worship EGO because of the fence. He also claims that the blond farmer not only doesn’t believe in EGO, but has also been cursing almighty God and that if all the blonds were to build fences this would make it difficult for anyone to worship EGO. Religion unites the majority of the jury against the blond and he loses the case.
As long as the case was a local dispute between neighbours about responsible farming, it could be resolved by the parties directly involved. However when it became a religious issue, it involved and united villagers behind their respective faiths. They were prepared to do a lot to achieve their goals, especially if their actions were supported by their religious leaders.I had a religious and conservative education, and later a scientific and secular education and this has led me to believe that moral education must be separated from religious education if it is to be rational, independent and free.Religion and morality should be taught in an agreed and appropriate manner if societies are to be healthy, strong and harmonious.The signing of the Magna Carta (Great Charter) on June 15th 1215 was an important education-related event. The charter was agreed between King John of England and a group of rebel barons as part of peace negotiations. It guaranteed that the rebel barons would not face imprisonment, promised them justice and exemption from certain taxes and payments levied by the crown.The parties did not honour their respective commitments and later the charter was annulled by Pope Innocent III, leading to the First Barons’ War.
It is interesting to note that the mistrust between the parties was such that the barons insisted that the agreement should be written. They realised that oral promises would not hold.These events took place at a time when the vast majority of the population was illiterate. The production of such a detailed written chart was therefore a significant achievement.Magna Carta, which was a political agreement, has become an international symbol of freedom. Its consequences can be seen in later English history, the history of the United States, and the modern world. It has been researched, quoted and used by lawyers and historians ever since it was written. Magna Carta was an influence on the American colonists and the American Constitution which was written in 1787 and became the supreme law of the United States.Analysis of the foundations of American colonial education in the seventeenth century makes it clear that the education system was significantly influenced by European teachers and intellectuals. This is not surprising as the early colonisation of America was mainly by Europeans. They believed that the primary goal of education was to save souls and so most education was based on the scriptures. The first schools to be established followed the Puritan tradition. Some groups of European immigrants tried to maintain their religious beliefs, morals and even their original language.Teaching was informal and performed within the family circle, usually from books and publications with basic references from the Bible.
The change from theoretical to practical and more up-to-date education began during industrialisation in the nineteenth century.It was illegal to educate slaves, but although this law was applied more strictly in the South it was not universally adhered to.Most schools were for boys only and girls were educated at home or in all-girls schools where they learned domestic skills such as sewing and cooking.
If one could read one could be a teacher. Teachers were using the Old and the New Testaments and students were required to memorise as much as possible. Bible knowledge was the measure of success.Teachers were responsible for inflicting harsh corporal punishments on all those who couldn’t follow their instructions.At about the middle of the nineteenth century education was enhanced by use of dictionaries and limited maps of world geography. The curriculum was extended to include certain patriotic and moral subjects in order to unite students behind American nationalism and instill in them a shared set of virtues.Two hundred years later there were significant evolutions and revolutions in the education systems of the USA.A lot has been done to improve the USA education but a lot remains to be done. The graduation rate should be higher, particularly among Black and Hispanic students. The number of dropouts is too high and at present too many students fail to graduate on time. Teachers should be more highly qualified and should be paid more to attract and retain better quality teachers into the profession.This is very important as the quality of teaching is one of the main determinants of educational success.In general, high schools should be responsible for educating and preparing students for after graduation studies. This phase of education is critical to students’ futures and to the future of the nation.Civic education is essential if future generations are to understand, be familiar with and cherish democratic values.The last decade has seen the advent of the Internet, social networks and other technological innovations and a decaying of our morality. Materialism is the new religion and the aim of education has become the generation of financial wealth. This has resulted in certain professions being neglected in favour of others. Subjects such as law and certain technologies are now favoured over social and moral studies.We cannot distinguish between money and education. Most of us seek to acquire an education in order to earn more money, which will enable us to have a better life. This is the logic which governs basic and intermediate levels of education; however a lot of money is required to access higher education at famous, affluent universities and institutes.This is one of the reasons for the polarisation of societies, the process by which the rich become richer and the poor become poorer.The rich and famous are heroes and role models, to be followed and envied; at least that used to be the case, today things are changing.Television, reality shows and advertisements are shaping the minds of our young children. The distance between parents and children and parental supervision has changed as well. The increasing availability of previously censored material such as pornography has a negative effect on our children’s development and their understanding of right and wrong.Certain forms of education or lack of education have a devastating effect on our society. Analysis of the origins and causes of violence, terror, robbery, murder and other crimes indicates that bad education, lack of education and ignorance are major factors.The porn industry requires ever-changing faces and employs or rather exploits many young girls, mainly aged 18-21 years or younger. These girls come from middle or lower class families living in small towns and villages; some of them have been abused by family members or neighbours, some are runaways and never finished school. Most of them spend only a very short period of time in the porn industry, but that short period changes the rest of their life for the worse.The economic law that where there is a demand there will be a supply suggests that there will be an endless supply of young girls coming to work in the industry.
Legislation will not eliminate this industry, but with the help of parents and schools it can reduce its size and power.Most social studies put the blame and the responsibility for those girls’ exploitation mainly on their parents. Involved parents, especially a strong father, are very important to prevent those girls to leave home. Parents should enforce appropriate rules and create an environment where certain behaviours are not tolerated. In educating the next generation we, as parents, must set the rules in order to preserve our beliefs and morality.It is acceptable and even predictable that we will have questions about everything we encounter in our earthly life. The love of wisdom or philosophy leads us to philosophise about our way of life, the many problems we encounter, our values, our existence and our possible future.The future is unpredictable; however, it is possible to guess at likely developments in the educational area. The application of technology to educational processes and models has the potential to revolutionise current educational methods.Implanted and wearable devices are another exciting application of technology. In the future, at a higher level of the scientific applications in education we may see nano-robots acting as teachers in higher education.Developments in genetic engineering may enable certain educational capabilities and maybe even knowledge to be embedded or engineered at gene level so that the individual is guaranteed to be smart or intelligent.At present we can only imagine what such technological developments would do to global educational systems and teaching methods.Unfortunately, when evil and ignorance meet we have what I call a social bomb. The nineteenth century German philosopher Friedrich Nietzsche believed that evil had a negative effect on human behaviour. Evil is promoting those humans that are weak in spirit and it will suppress the strong ones. He claimed that evil arose out of the negative emotions of hate, jealousy and envy. Ignorance is often used as an excuse for evil deeds or behaviour which causes harm without justification. This excuse depends on the assumption that we are not responsible for our ignorance. Some would argue that evil is actually ignorance that is generated as a result of self-deception.I would argue that the only way to reduce threat posed by this ‘social bomb’ is to educate people in order to reduce ignorance and self-deception.I am worried about the next generation. Society must tackle the extreme inequalities between the rich and the poor, the educated and the uneducated and the increase in racism.Children of affluent or upper-middle class families do not have the necessary and expected motivation to learn. Sometimes they display a reckless disregard for education whilst also neglecting their physical appearance and health. Increasing consumption of junk food and lack of physical exercise will lead to significant health problems in the future. We are already seeing rises in obesity, use of alcohol and drugs and other health problems in young people. These and related consumption behaviours will have an impact on global warming and the extent to which the earth is subject to a greenhouse effect. We must educate the next generation so that they have the multidisciplinary understanding needed to save our planet, earth, which is essential to our future survival.We also have to improve our interpersonal relationships and accept the different and the unusual. Respect and tolerate all humans and living creatures: Love Thy Neighbour.

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Addicted to Real Estate – Why I Can’t Stop and Why You Should Start

The All-Money-Down TechniqueSo how does the all-money-down technique work by purchasing a home with cash? First of all, let me repeat that I really didn’t have any cash, but I had a significant amount of equity from Terry’s home and several homes that I owned put together to give me a substantial cash down payment. Banks and mortgage companies alike will accept money from a home-equity line of credit as cash to purchase a home. At least they did in 1997 under the financial guidelines of the day. What you must remember about mortgages and lending is that the guidelines change constantly, so this technique I used in 1997 may or may not be able to be used in the future. Whether it is or isn’t able to be used again doesn’t really matter to me as I believe that there will always be a way to buy real estate with limited money down sooner or later. There will always be a technique to acquire real estate but exactly how that will be done in the future I’m not completely sure.I began purchasing homes in the Mayfair section of Philadelphia with the prices in the $30,000 to $40,000 per home price range. I would purchase a home with three bedrooms and one bathroom on the second floor with a kitchen, dining room, and living room on the first floor and a basement. What we call a row home in Philadelphia would consist of a porch out front and a backyard the width of the home. Most row homes in Philadelphia are less than twenty-two feet wide. For those of you who are not from Philadelphia and can’t picture what a Philadelphia row home looks like, I suggest you watch the movie Rocky. Twenty-two homes on each side of every block will really test your ability to be a neighbor. Things that will usually cause an argument with your Philadelphia neighbors often stem from parking, noise your children make, where you leave your trash cans, parties, and the appearance of your home.In 1998 my girlfriend and I moved in together and to the suburbs of Philadelphia called Warminster. After living on a street in Tacony, much like Rocky did, I really looked forward to having space between my home and my next-door neighbor. I told Terry not to even think about talking with the people who lived next door to us. I told her if one of them comes over with a fruitcake I am going to take it and punt it like a football right into their backyard. I believe I was suffering from Philadelphia row home syndrome. My new neighbors in Warminster turned out to be wonderful people, but it took me eighteen months before I was willing to learn that.So you just bought your row home for $35,000 in Mayfair, and after $2000 in closing costs and $5000 in repair costs, you find yourself a good tenant who wants to rent the home. After renting the home with a positive cash flow of $200 a month, you now have an outstanding debt of $42,000 on your home equity line of credit that will have to be paid off. When purchasing the home, I did not get a mortgage as I just purchased a home for cash as it is said in the business. All monies I spent on this house were spent from the home-equity line of credit.The move now is to pay off your home-equity line of credit so you can go do it again. We now go to a bank with your fixed-up property and tell the mortgage department that you want to do a cash-out refinancing of your real estate investment. It helps to explain that the neighborhood you purchase your property in should have a wider range of pricing as the neighborhood of Mayfair did in the mid-90s. The pricing of homes in Mayfair is quite unusual as you would see a $3000 difference in home values from one block to the next. This was important when doing a cash-out refinancing because it’s pretty easy for the bank to see that I just bought my property for $35,000 regardless of the fact that I did many repairs. I could justify the fact that I’ve spent more money on my home to fix it up, and by putting a tenant in, it was now a profitable piece of real estate from an investment standpoint.If I was lucky like I was many times over doing this system of purchasing homes in Mayfair and the appraiser would use homes a block or two away and come back with an appraisal of $45,000. Back then there were programs allowing an investor to purchase a home for 10 percent down or left in as equity doing a 90 percent cash out refinance giving me back roughly $40,500. Utilizing this technique allowed me to get back most of the money I put down on the property. I basically paid just $1,500 down for this new home. Why did the mortgage companies and the appraisers keep giving me the numbers I wanted? I assume because they wanted the business. I would only tell the bank I need this to come in at $45,000 or I am just keeping it financed as is. They always seemed to give me what I wanted within reason.This whole process took three to four months during which time I may have saved a few thousand dollars. Between the money I saved from my job and my investments and cash out refinancing, I had replenished most or all of my funds from my home-equity line of credit that was now almost back to zero to begin the process again. And that is exactly what I intended to do. I used this system to purchase four to six homes a year utilizing the same money to purchase home after home after home over and over again. In reality, the technique is a no-money down or little money down technique. At the time maybe I had $60,000 in available funds to use to buy homes off of my HELOC, so I would buy a home and then replenish the money. It was a terrific technique that was legal, and I could see my dream of being a real estate investor full-time coming to an eventual reality even though I wasn’t there yet.During the years from 1995 to 2002, the real estate market in Philadelphia made gradual increases of maybe 6 percent as each year went on. I began to track my net worth that was 100 percent equity, meaning I had no other forms of investments to look at when calculating my net worth. Generally speaking, the first five years of my real estate career did not go well because of the bad decisions I made purchasing buildings and the decline in the market. Furthermore, my lack of knowledge and experience in repairs made it a rough. The second five years of my real estate career that I just finished explaining didn’t make much money either. I supported myself primarily through my career as a salesman, but I could definitely see the writing on the wall that down the road real estate was going to be my full-time gig.Realty Professionals of AmericaI own an office building that has a real estate company as a tenant called Realty Professionals of America. The company has a terrific plan where a new agent receives 75 percent of the commission and the broker gets only 25 percent. If you don’t know it, this is a pretty good deal, especially for a new real estate agent. The company also offers a 5 percent sponsorship fee to the agent who sponsors them on every deal they do. If you bring an individual who is a realtor in to the company that you have sponsored, the broker will pay you a 5 percent sponsorship out of the broker’s end so that the new realtor you sponsored can still earn 75 percent commissions. In addition to the above, Realty Professionals of America offers to increase the realtor’s commission by 5 percent after achieving cumulative commission benchmarks, up to a maximum of 90 percent. Once a commission benchmark is reached, an agent’s commission rate is only decreased if commissions in the following year do not reach a lower baseline amount. I currently keep 85 percent of all my deals’ commissions; plus I receive sponsorship checks of 5 percent from the commissions that the agents I sponsored earn. If you’d like to learn more about being sponsored into Realty Professionals of America’s wonderful plan, please call me directly at 267-988-2000.Getting My Real Estate LicenseOne of the things that I did in the summer of 2005 after leaving my full-time job was to make plans to get my real estate license. Getting my real estate license was something I always wanted to do but never seemed to have the time to do it. I’m sure you’ve heard that excuse a thousand times. People always say that they’re going to do something soon as they find the time to do it, but they never seem to find the time, do they? I try not to let myself make excuses for anything. So I’ve made up my mind before I ever left my full-time job that one of the first things I would do was to get my real estate license. I enrolled in a school called the American Real Estate Institute for a two-week full-time program to obtain my license to sell real estate in the state of Pennsylvania. Two terrific guys with a world of experience taught the class, and I enjoyed the time I spent there. Immediately after completing the course at the American Real Estate Institute, I booked the next available day offered by the state to take the state exam. My teachers’ advice to take the exam immediately after the class turned out to be an excellent suggestion. I passed the exam with flying colors and have used my license many times since to buy real estate and reduce the expenses. If you are going to be a full-time real estate investor or a commercial real estate investor, then you almost have to get a license. While I know a few people who don’t believe this, I’m convinced it’s the only way.I worked on one deal at $3 million where the commission to the buyer’s real estate agent was $75,000. By the time my broker took a share, I walked with $63,000 commission on that deal alone. With the average cost per year of being a realtor running about $1200 per year, this one deal alone would’ve paid for my real estate license for fifty-three years. Not to mention all the other fringe benefits like having access to the multiple listing service offered too many realtors in this country. While there are other ways to get access to the multiple listing services or another program similar to it, a real estate license is a great way to go.Some of the negatives I hear over and over again about having your real estate license is the fact that you have to disclose that you are realtor when buying a home if you’re representing yourself. Maybe I’m missing something, but I don’t see this as a negative at all. If you’re skilled in the art of negotiation, it’s just another hurdle that you have to deal with. I suppose you could end up in a lawsuit where a court of law could assume because you are realtor you should know all these things. I don’t spend my life worrying about the million ways I can be sued any more than I worry about getting hit by a car every time I cross the street.

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Rebuilding the Tower of Babel – A CEO’s Perspective on Health Information Exchanges

Defining a Health Information ExchangeThe United States is facing the largest shortage of healthcare practitioners in our country’s history which is compounded by an ever increasing geriatric population. In 2005 there existed one geriatrician for every 5,000 US residents over 65 and only nine of the 145 medical schools trained geriatricians. By 2020 the industry is estimated to be short 200,000 physicians and over a million nurses. Never, in the history of US healthcare, has so much been demanded with so few personnel. Because of this shortage combined with the geriatric population increase, the medical community has to find a way to provide timely, accurate information to those who need it in a uniform fashion. Imagine if flight controllers spoke the native language of their country instead of the current international flight language, English. This example captures the urgency and critical nature of our need for standardized communication in healthcare. A healthy information exchange can help improve safety, reduce length of hospital stays, cut down on medication errors, reduce redundancies in lab testing or procedures and make the health system faster, leaner and more productive. The aging US population along with those impacted by chronic disease like diabetes, cardiovascular disease and asthma will need to see more specialists who will have to find a way to communicate with primary care providers effectively and efficiently.This efficiency can only be attained by standardizing the manner in which the communication takes place. Healthbridge, a Cincinnati based HIE and one of the largest community based networks, was able to reduce their potential disease outbreaks from 5 to 8 days down to 48 hours with a regional health information exchange. Regarding standardization, one author noted, “Interoperability without standards is like language without grammar. In both cases communication can be achieved but the process is cumbersome and often ineffective.”United States retailers transitioned over twenty years ago in order to automate inventory, sales, accounting controls which all improve efficiency and effectiveness. While uncomfortable to think of patients as inventory, perhaps this has been part of the reason for the lack of transition in the primary care setting to automation of patient records and data. Imagine a Mom & Pop hardware store on any square in mid America packed with inventory on shelves, ordering duplicate widgets based on lack of information regarding current inventory. Visualize any Home Depot or Lowes and you get a glimpse of how automation has changed the retail sector in terms of scalability and efficiency. Perhaps the “art of medicine” is a barrier to more productive, efficient and smarter medicine. Standards in information exchange have existed since 1989, but recent interfaces have evolved more rapidly thanks to increases in standardization of regional and state health information exchanges.History of Health Information ExchangesMajor urban centers in Canada and Australia were the first to successfully implement HIE’s. The success of these early networks was linked to an integration with primary care EHR systems already in place. Health Level 7 (HL7) represents the first health language standardization system in the United States, beginning with a meeting at the University of Pennsylvania in 1987. HL7 has been successful in replacing antiquated interactions like faxing, mail and direct provider communication, which often represent duplication and inefficiency. Process interoperability increases human understanding across networks health systems to integrate and communicate. Standardization will ultimately impact how effective that communication functions in the same way that grammar standards foster better communication. The United States National Health Information Network (NHIN) sets the standards that foster this delivery of communication between health networks. HL7 is now on it’s third version which was published in 2004. The goals of HL7 are to increase interoperability, develop coherent standards, educate the industry on standardization and collaborate with other sanctioning bodies like ANSI and ISO who are also concerned with process improvement.In the United States one of the earliest HIE’s started in Portland Maine. HealthInfoNet is a public-private partnership and is believed to be the largest statewide HIE. The goals of the network are to improve patient safety, enhance the quality of clinical care, increase efficiency, reduce service duplication, identify public threats more quickly and expand patient record access. The four founding groups the Maine Health Access Foundation, Maine CDC, The Maine Quality Forum and Maine Health Information Center (Onpoint Health Data) began their efforts in 2004.In Tennessee Regional Health Information Organizations (RHIO’s) initiated in Memphis and the Tri Cities region. Carespark, a 501(3)c, in the Tri Cities region was considered a direct project where clinicians interact directly with each other using Carespark’s HL7 compliant system as an intermediary to translate the data bi-directionally. Veterans Affairs (VA) clinics also played a crucial role in the early stages of building this network. In the delta the midsouth eHealth Alliance is a RHIO connecting Memphis hospitals like Baptist Memorial (5 sites), Methodist Systems, Lebonheur Healthcare, Memphis Children’s Clinic, St. Francis Health System, St Jude, The Regional Medical Center and UT Medical. These regional networks allow practitioners to share medical records, lab values medicines and other reports in a more efficient manner.Seventeen US communities have been designated as Beacon Communities across the United States based on their development of HIE’s. These communities’ health focus varies based on the patient population and prevalence of chronic disease states i.e. cvd, diabetes, asthma. The communities focus on specific and measurable improvements in quality, safety and efficiency due to health information exchange improvements. The closest geographical Beacon community to Tennessee, in Byhalia, Mississippi, just south of Memphis, was granted a $100,000 grant by the department of Health and Human Services in September 2011.A healthcare model for Nashville to emulate is located in Indianapolis, IN based on geographic proximity, city size and population demographics. Four Beacon awards have been granted to communities in and around Indianapolis, Health and Hospital Corporation of Marion County, Indiana Health Centers Inc, Raphael Health Center and Shalom Health Care Center Inc. In addition, Indiana Health Information Technology Inc has received over 23 million dollars in grants through the State HIE Cooperative Agreement and 2011 HIE Challenge Grant Supplement programs through the federal government. These awards were based on the following criteria:1) Achieving health goals through health information exchange 2) Improving long term and post acute care transitions 3) Consumer mediated information exchange 4) Enabling enhanced query for patient care 5) Fostering distributed population-level analytics.Regulatory Aspects of Health Information Exchanges and Healthcare ReformThe department of Health and Human Services (HHS) is the regulatory agency that oversees health concerns for all Americans. The HHS is divided into ten regions and Tennessee is part of Region IV headquartered out of Atlanta. The Regional Director, Anton J. Gunn is the first African American elected to serve as regional director and brings a wealth of experience to his role based on his public service specifically regarding underserved healthcare patients and health information exchanges. This experience will serve him well as he encounters societal and demographic challenges for underserved and chronically ill patients throughout the southeast area.The National Health Information Network (NHIN) is a division of HHS that guides the standards of exchange and governs regulatory aspects of health reform. The NHIN collaboration includes departments like the Center for Disease Control (CDC), social security administration, Beacon communities and state HIE’s (ONC).11 The Office of National Coordinator for Health Information Exchange (ONC) has awarded $16 million in additional grants to encourage innovation at the state level. Innovation at the state level will ultimately lead to better patient care through reductions in replicated tests, bridges to care programs for chronic patients leading to continuity and finally timely public health alerts through agencies like the CDC based on this information.12 The Health Information Technology for Economic and Clinical Health (HITECH) Act is funded by dollars from the American Reinvestment and Recovery Act of 2009. HITECH’s goals are to invest dollars in community, regional and state health information exchanges to build effective networks which are connected nationally. Beacon communities and the Statewide Health Information Exchange Cooperative Agreement were initiated through HITECH and ARRA. To date 56 states have received grant awards through these programs totaling 548 million dollars.History of Health Information Partnership TN (HIPTN)In Tennessee the Health Information Exchange has been slower to progress than places like Maine and Indiana based in part on the diversity of our state. The delta has a vastly different patient population and health network than that of middle Tennessee, which differs from eastern Tennessee’s Appalachian region. In August of 2009 the first steps were taken to build a statewide HIE consisting of a non-profit named HIP TN. A board was established at this time with an operations council formed in December. HIP TN’s first initiatives involved connecting the work through Carespark in northeast Tennessee’s s tri-cities region to the Midsouth ehealth Alliance in Memphis. State officials estimated a cost of over 200 million dollars from 2010-2015. The venture involves stakeholders from medical, technical, legal and business backgrounds. The governor in 2010, Phil Bredesen, provided 15 million to match federal funds in addition to issuing an Executive Order establishing the office of eHealth initiatives with oversight by the Office of Administration and Finance and sixteen board members. By March 2010 four workgroups were established to focus on areas like technology, clinical, privacy and security and sustainability.By May of 2010 data sharing agreements were in place and a production pilot for the statewide HIE was initiated in June 2011 along with a Request for Proposal (RFP) which was sent out to over forty vendors. In July 2010 a fifth workgroup,the consumer advisory group, was added and in September 2010 Tennessee was notified that they were one of the first states to have their plans approved after a release of Program Information Notice (PIN). Over fifty stakeholders came together to evaluate the vendor demonstrations and a contract was signed with the chosen vendor Axolotl on September 30th, 2010. At that time a production goal of July 15th, 2011 was agreed upon and in January 2011 Keith Cox was hired as HIP TN’s CEO. Keith brings twenty six years of tenure in healthcare IT to the collaborative. His previous endeavors include Microsoft, Bellsouth and several entrepreneurial efforts. HIP TN’s mission is to improve access to health information through a statewide collaborative process and provide the infrastructure for security in that exchange. The vision for HIP TN is to be recognized as a state and national leader who support measurable improvements in clinical quality and efficiency to patients, providers and payors with secure HIE. Robert S. Gordon, the board chair for HIPTN states the vision well, “We share the view that while technology is a critical tool, the primary focus is not technology itself, but improving health”. HIP TN is a non profit, 501(c)3, that is solely reliant on state government funding. It is a combination of centralized and decentralized architecture. The key vendors are Axolotl, which acts as the umbrella network, ICA for Memphis and Nashville, with CGI as the vendor in northeast Tennessee.15 Future HIP TN goals include a gateway to the National Health Institute planned for late 2011 and a clinician index in early 2012. Carespark, one of the original regional health exchange networks voted to cease operations on July 11, 2011 based on lack of financial support for it’s new infrastructure. The data sharing agreements included 38 health organizations, nine communities and 250 volunteers.16 Carespark’s closure clarifies the need to build a network that is not solely reliant on public grants to fund it’s efforts, which we will discuss in the final section of this paper.Current Status of Healthcare Information Exchange and HIPTNTen grants were awarded in 2011 by the HIE challenge grant supplement. These included initiatives in eight states and serve as communities we can look to for guidance as HIP TN evolves. As previously mentioned one of the most awarded communities lies less than five hours away in Indianapolis, IN. Based on the similarities in our health communities, patient populations and demographics, Indianapolis would provide an excellent mentor for Nashville and the hospital systems who serve patients in TN. The Indiana Health Information Exchange has been recognized nationally for it’s Docs for Docs program and the manner in which collaboration has taken place since it’s conception in 2004. Kathleen Sebelius, Secretary of HHS commented, “The Central Indiana Beacon Community has a level of collaboration and the ability to organize quality efforts in an effective manner from its history of building long standing relationships. We are thrilled to be working with a community that is far ahead in the use of health information to bring positive change to patient care.” Beacon communities that could act as guides for our community include the Health and Hospital Corporation of Marion County and the Indiana Health Centers based on their recent awards of $100,000 each by HHS.A local model of excellence in practice EMR conversion is Old Harding Pediatric Associates (OHPA) which has two clinics and fourteen physicians who handle a patient population of 23,000 and over 72,000 patient encounters per year. OHPA’s conversion to electronic records in early 2000 occurred as a result of the pursuit of excellence in patient care and the desire to use technology in a way that benefitted their patient population. OHPA established a cross functional work team to improve their practices in the areas of facilities, personnel, communication, technology and external influences. Noteworthy was chosen as the EMR vendor based on user friendliness and the similarity to a standard patient chart with tabs for files. The software was customized to the pediatric environment complete with patient growth charts. Windows was used as the operating system based on provider familiarity. Within four days OHPA had 100% compliance and use of their EMR system.The Future of HIP TN and HIE in TennesseeTennessee has received close to twelve million dollars in grant money from The State Health Information Exchange Cooperative Agreement Program.20 Regional Health Information Organizations (RHIO) need to be full scalable to allow hospitals to grow their systems without compromising integrity as they grow.21and the systems located in Nashville will play an integral role in this nationwide scaling with companies like HCA, CHS, Iasis, Lifepoint and Vanguard. The HIE will act as a data repository for all patients information that can be accessed from anywhere and contains a full history of the patients medical record, lab tests, physician network and medicine list. To entice providers to enroll in the statewide HIE tangible value to their practice has to be shown with better safer care. In a 2011 HIMSS editor’s report Richard Lang states that instead of a top down approach “A more practical idea may be for states to support local community HIE development first. Once established, these local networks can feed regional HIE’s and then connect to a central HIE/data repository backbone. States should use a portion of the stimulus funds to support local HIE development.”22 Mr. Lang also believes the primary care physician has to be the foundation for the entire system since they are the main point of contact for the patient.One piece of the puzzle often overlooked is the patient investment in a functional EHR. In order to bring together all the pieces of the HIE puzzle patients will need to play a more active role in their healthcare. Many patients do not know what medicines they take every day or whether they have a living will. Several versions of patient EHR’s like Memitech’s 911medical id card exist, but very few patients know or carry them.23 One way to combat this lack of awareness is to use the hospital as a catch-all and discharge each patient with a fully loaded USB card via case managers. This strategy also might lead to better compliance with post in patient therapies to reduce readmissions.The implementation of connecting qualified organizations began earlier this year. To fully support organizations to move toward qualification the Office of National Coordinator for HIE (ONC) has designated regional education centers (TN rec) who assist providers with educational initiatives in areas like HIT, ICD9 to ICD10 training and EMR transition. Qsource, a non-profit health consulting firm, has been chosen to oversee TNrec. To ensure sustainability it is critical that Tennessee build a network of private funding so that what happened with Carespark won’t happen to HIP TN. The eHealth Initiatives 2011Survey Report states that of the 196 HIE initiatives, 115 act independently of federal funding and of those independent HIE’s, break even through operational revenue. Some of these exchanges were in existence well before the American Recovery and Reinvestment Act in 2009. Startup funding from grants is only meant to get the car going so to speak, the sustainable fuel, as observed in the case of Carespark, has to come from value that can be monetized. KLAS research reports that 54% of public HIE’s were concerned about future sustainability while only 35% of private HIE’s shared this concern.Hospital Implications of HIP TN (A Call to Action)From a Financial perspective, taking our hospital into the future with EMR and an integrated statewide network has profound implications. In the short term the cost to find a vendor, establish EMR in and outpatient will be an expensive proposition. The transition will not be easy or finite and will involve constant evolution as HIP TN integrates with other state HIE’s. To get a realistic idea of the benefits and costs associated with health information integration. we can look to HealthInfoNet in Portland, ME, a statewide HIE that expects to save 37 million dollars in avoided services and 15 million in productivity reduction. Specific areas of savings include paper or fax costs $5 versus $0.25 electronically, virtual health record savings of $50 per referral, $26 saved per ED visit and $17.41 per patient/year due to redundant lab tests which amounts to $52 million for a population of 3 million patients. In Grand Junction Colorado Quality Health Network lowered their per capita Medicare spending to 24% below the national average, gaining recognition by President Obama in 2009. The Santa Cruz Health Information Exchange (SCHIE) with 600 doctors and two hospitals achieved sustainability in the first year of operation and uses a subscription fee for all the organizations who interact with them. In terms of government dollars available, meaningful use incentives exist to encourage hospitals to meet twenty of twenty five objectives in the first phase (2011-2012) and adopting and implement an approved EHR vendor. ARRA specified three ways for EHR to be utilized to obtain Medicare reimbursement. These include e-prescribing, health information exchange and submission of clinical quality measures. The objectives for phase two in 2013 will expand on this baseline. Implementation of EHR and Hospital HIE costs are usually charged by bed or by the number of physicians. Fees can range from $1500 for a smaller hospital up to $12,000 per month for a larger hospital.Perhaps the most compelling argument to building a functional Health Information Exchange is patient and community safety. The Healthbridge reduction in disease outbreak detection of 3-5 days is a perfect example of this safety benefit. Imagine the implications in the case of a rampant virus like avian or swine flu. The goal is to avoid a repeat of the 1918 influenza outbreak and ultimately save the lives of our most at risk. Rick Krohn of Healthsense makes the case for a socially responsible HIE that serves those who are chronically ill, uninsured and homeless. As the taxpayers ultimately bear the societal burden for our country’s healthcare coverage, the need to reduce redundancies, increase efficiency and provide healthcare worthy of the United States is imperative. Right now our healthcare is in the Critical Care Unit it’s time to stabilize it through operational excellence starting with our hospital. Let’s rebuild the Tower of Babel and enhance communication to provide our patients the healthcare they deserve!

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Sample Business Proposal – Be Careful!

Every entrepreneur has been there. You need to write a business plan to get your idea off the ground and have no idea how to approach it. The first thing most people do is Google, “Sample business proposal.” Why? Well, it’s quite simple really. They want to get a head start on the process by looking at what someone else has written. It is an understandable position to take if you are under pressure and need a boost. What people don’t realise is that there are inherent dangers in using a sample business proposal.There are many very good examples of sample business proposals on the Internet, but there are also some scarily bad examples being held up as first class efforts. Having spent the last 20 years as a professional banker and investor I can say this with some degree of confidence.The bottom line is that even if you do manage to stumble upon a great example it won’t be relevant to your unique business or the market dynamics that pertain to your business idea. The parties who will assess your proposal and decide whether to invest are generally well trained and experienced. They read hundreds of these documents every month and can spot a copy and paste job a mile a way.Will A Sample Business Proposal Help Me?Using a sample business proposal is OK if you are just looking for some tips on how to structure your own proposal. Of course this is predicated on the fact that the example aligns well with your business and is a good example. If you are looking around the Internet for sample business proposals it’s a fair bet that you are not sure what is a good example and what is a bad one. For this reason you may borrow heavily from a poor example and this will actually detract from the thrust of your effort.There are too many people on the Internet these days offering quick fix solutions or shortcuts to preparing business proposals to attract funding. On balance these solutions are not adequate to get you funding. Here’s why:1. They encourage entrepreneurs to use other people’s business proposals as a template that dilutes the originality and can lead to the inclusion of data that is irrelevant.2. They lead to entrepreneurs skimming over the research component leading to a proposal that is disjointed and fails to make a cohesive business case.3. Having a sample business proposal as a guide detracts from the entrepreneur engaging fully in the business planning process in that they will have only a cursory understanding of the finer details of their proposal.4. It will not prepare the entrepreneur for detailed questioning around their business strategy and by association their financial projections.We have seen this all too often in presentations for equity finance. It is glaringly obvious when someone does not understand the proposal intimately and this devastates credibility and trust, virtually nullifying your chances of convincing an investor to part with their cash.So How Should I Use A Sample Business Proposal?We genuinely believe that using a sample business proposal is not a good idea unless you are only looking for a structural outline. Even in this case you would need to scan a fairly broad cross section of examples to get a representative sample to form an independent opinion. There is nothing more frustrating than a pitch which doesn’t flow and where the entrepreneur is clearly “winging it”. We have rejected more pitches for this reason than any other.The only time we would recommend using a sample business proposal is if you are approaching a bank for finance and they provide an example of what they would like to see. However, banks don’t provide samples, they provide templates, which is basically them trying to educate entrepreneurs before they apply for finance. In this case this is the bank endorsing a structure for the proposal so it is OK. It still leaves all the blanks to fill in though so it isn’t really a full solution to your problem.How Will The Audience Know That I have Used A Sample?This is a common question we get asked and while we cannot speak for the entire investment community we can refer to our own experience as investors and former bankers. Here is a list of the top ten reasons why it is obvious that a sample has been used:1. Executive Summary is dull and formulaic without communicating why we should invest.2. Market information doesn’t align with the specific demographics relating to the proposal or is obsolete.3. Entrepreneur’s knowledge of the market dynamics is sketchy under questioning and it is clear that what they have written in the proposal is the sum total of their knowledge on the subject.4. Information around target customers is not based in empirical fact, more observational opinion.5. Competitor Analysis is obsolete and doesn’t track minor competitors or industry trends that could present opportunities.6. The business strategy doesn’t intuitively line up with the financial projections of the business. Financial anomalies are frequent.7. The level of analysis in the financial section is low. Elevator analysis (only observational comments) is a glaring sign that no detailed analysis has been undertaken.8. The language style in the business proposal is inconsistent and in different tenses.9. The structure of the business proposal in terms of the content lay out does not flow intuitively. Think trying to fit a square peg into a circle!10. The proposal doesn’t make a definite conclusion or sound argument to invest (or lend). The lack of analysis leads to inadequate risk mitigation leaving many questions unasnwered.What is The Solution?This might all seem a little bleak but there is an easy solution to this dilemma and it demands a little more of your time and effort in return for a deeper understanding of your business. You have to learn to write a business proposal rather than using a sample business proposal to take a short cut. Don’t do the latter as it will make the experience of approaching investors and financiers unnecessarily painful and will dilute your experience of creating your vision from scratch and your strategic understanding of your own business. Plus, you will be found out!The truth is that it is not rocket science. Even a working knowledge of the key focal points will improve your finished product greatly. Writing a business proposal is a logical process which can’t be done is 8 hours or completed in 1 day, at least not if you hope to truly understand it and communicate it effectively to external parties. In actual fact writing a business proposal is a very rewarding experience and if you are serious about starting a business and attracting funding into that business there will be associated pressure to perform well. Going through the business planning process will train you to be a more pro active and strategic business person and will ultimately improve your chances of making your vision a reality by analysing your business properly and consistently.A sample business proposal cannot and will not prepare you for that.

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The True Difference Between Motorcycle Oil and Automotive Oil

To some people, changing the oil in your car is just like changing the oil in your motorcycle. Just drain out the old oil, install a new oil filter, and pour in the desired amount of new oil and your done. So when it comes time to change your motorcycle oil, why can’t you use the same oil that you use in your car? Motorcycle oil and automotive oil look and feel the same so how could there be a difference between the two?Automotive oil looks pretty enticing at $3 a quart but any experienced motorcycle rider knows that using automotive oil in motorcycles causes serious damage. In automotive vehicles, the engine is always separate from the clutch and transmission so they have separate oils for each. In automotive engine oil, there is more of what is called “friction modifiers” to help lessen the amount of friction on engine components and improve fuel economy. Of course, improving fuel economy has always been the main goal of the automotive industry making friction modifiers a necessity for all automotive oils.These friction modifiers that are added to automotive oils are what cause serious damages when used in motorcycles. The friction modifiers clog the clutch plates in a motorcycle’s transmission causing serious clutch slippage and disabling the motorcycle. You see, for motorcycles to be as compact as they are, they have to combine their engine and transmission into one casing. This means that everything is lubricated by only one type of oil including the valves, piston, transmission, and clutch.Motorcycles require very little and/or no friction modifiers to help improve clutch friction and to prevent clutch slippage. But to make up for this lack of friction modifiers, motorcycle oils use higher levels of anti-wear additives such as ZDDP, also known as phosphorous, to limit engine friction and wear. Since motorcycle oil has extra anti-wear additives and is lubricating so much more than automotive oil, you can expect to pay anywhere from $9 to $15 a quart.To some people, both oils look and feel the same but now you know the facts of each. So the next time that you decide to change your motorcycle oil, go straight to your local motorcycle dealer and buy only high quality motorcycle oil designed specifically for the type of motorcycle you own. Make sure that you change your oil periodically to keep it fresh and clean to ensure a long life for your engine, transmission, and clutch.

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Commercial Loan Modification and Loss Mitigation in Today’s Economy

With the economy perched on the brink of recovery why are we still hearing buzz words like “commercial loss mitigation” and “CRE mods” bouncing around? Why has the FFIEC (Federal Financial Institution Examinations Council) been encouraging it? The answer to both is very simple.The FFIEC is looking at the economy as a symbiotic relationship between creditors (banks), companies, and consumers. All three work together to support the others. Currently many banks have quite a few CRE (commercial real estate) loans that are not looking to healthy after the long recession. The FFIEC simply does not want the banks to panic and start calling in loans at the first sign of recovery. That could spell disaster. The banks end up with once overvalued property and equipment for defaulted loans. With that the plants and mills close pushing down the value further.Instead, what the government wants to see happen is this. Audit the commercial loans and keep as many of the alive through restructuring as possible. This gives companies a chance to rebound and pay off the loans. Market forces will take care of bloated companies and what will be left are more efficient companies. It is the same thing the government has been doing in the residential housing market. The bank does not want your house, they want there money and are willing to work with you in order to get it. A bird in the hand is worth two in the bush. Try to think of it in terms of “Economies of Scale”, For once, businesses are following personal finances rather than the other way around. It is hopeful that this new direction will lead to a more robust economy.With every economic cycle we learn a bit more. There was Reconstruction, the Great Depression, OPEC, the 80′s “spend now, pay later”, the Internet boom. Each of these has taught us more about how our nation’s economy works and the importance of being prudent.

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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.

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.

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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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