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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>ahrdbdf.info</title> <atom:link href="http://ahrdbdf.info/feed/" rel="self" type="application/rss+xml" /> <link>https://ahrdbdf.info</link> <description></description> <lastBuildDate>Thu, 05 Oct 2023 07:01:27 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Injury at Birth (Causes, the Law, and You)</title> <link>https://ahrdbdf.info/injury-at-birth-causes-the-law-and-you/</link> <comments>https://ahrdbdf.info/injury-at-birth-causes-the-law-and-you/#comments</comments> <pubDate>Fri, 19 May 2023 15:44:41 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Law and Issues]]></category> <guid isPermaLink="false">http://ahrdbdf.info/?p=73</guid> <description><![CDATA[Let’s start off with some good news – injury at birth is much less prevalent than it used to be. Prenatal analysis and technology is making great strides in properly preparing doctors for what may occur during the birthing process. … <a href="https://ahrdbdf.info/injury-at-birth-causes-the-law-and-you/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<div id="article-content"><p>Let’s start off with some good news – injury at birth is much less prevalent than it used to be. Prenatal analysis and technology is making great strides in properly preparing doctors for what may occur during the birthing process. Furthermore, the techniques for safe delivery both for parents and medical staff are becoming more practiced and perfected.</p><p>Even though the sheer amount of births that take place make it seem like a routine operation, the birthing event is a very unique process for every woman. Medical practitioners need to be in top form and prepared for all kinds of contingencies. Injury at birth is still a very real problem, and parents are advised to understand the common types of injury and their legal rights should a problem occur.</p><p>Let’s analyze the most common types and results of birth injury. Information is key for prevention, proper action, and appropriate reaction to any unfortunate event.</p><p><strong>Types Of Birth Injury</strong></p></p><ul><li> <em>Brachial Plexus</em> <em>Damage</em>. A weakness or paralysis in the arms and shoulders caused by excessive stretching or pulling. Most of these injuries heal fully within 6 months, but those that do not often require extra surgery to fix nerve damage.</li><li> <em>Cranial Bleeding</em>. Caused by a ruptured blood vessel in the brain. This is much more common in very premature babies. Deformity or damage to the skull during birth is a common cause of cranial bleeding and can result in a loss of oxygen to the brain, resulting in further brain damage.</li><li> <em>Bone Fracture</em>. Fractures anywhere on the body can occur when the infant is either mishandled or is experiencing complications in the birthing process. Some complications include larger-than-normal size or an abnormal birthing position.</li><li> <em>Facial Nerve Injury</em>. Often the face comes in contact with either the mother’s pelvis and/or forceps used by the doctor. On occasion this contact can result in a damage of nerve tissue, made apparent by uneven facial movements (especially during crying).</li><li> <em>Perinatal Asphyxia</em>. Asphyxia generally refers to a lack of oxygen, and in this particular instance a lack of oxygen that occurs while birthing takes place. It can be caused by genetic abnormalities that cause weakness, infection, negative reaction to drugs, or pressure on the umbilical cord. Asphyxia Newborns often have trouble breathing and appear pale and weak.</li><li> <em>Skin Lacerations</em>. Depending on the force needed to deliver the baby, skin contusions and lacerations can occur. This can come from doctor’s equipment or contact with the mother’s pelvis/other internal body parts.</li><li> <strong><em>Cerebral Palsy</em></strong>. Caused by trauma to the brain during the childbirth procedure. Cerebral Palsy often includes a loss of movement and nerve functions. Generally Palsy will not get better or worse over time – the damage is set during the time of birth. Some common causes of Palsy include improper forcep usage and leaving the baby in the birth canal for too long.</li></ul><p><strong>Causes of Birth Injury</strong></p><p>The above injuries, and other rarer problems occur for a variety of reasons, some of which cannot be helped by medical professionals.</p><p>First, genetics and predispositions play a huge role in complications. It’s important to be aware of any medical issues that frequently (or even infrequently) occur in your family.</p><p>Another cause is bad parental decision making. If parents opt to use drugs and alcohol during pregnancy (among other bad habits), they put their child at risk before the birthing process even begins.</p><p>Baby position, size, time of birth (being early, late) and other variables are important when figuring out how to handle childbirth. These things are among the most common complications that occur.</p><p>Finally, medical error can result in injury at birth. Misuse of technology, drugs, equipment, or technique can result in almost all of the injuries listed above.</p><p><strong>Legal Rights For Parents</strong></p><p>If you believe your infant may have been injured due to negligence or incompetence, it is important to begin your legal process as soon as possible. States have varying statutes wherein you only have a certain amount of time to sue for compensation.</p><p>As you begin the process, make sure to find a lawyer in your area who specializes in child birth injury. Medical complications are quite complex and you will want someone with plenty of experience and knowledge in how to deal with the behemoth medical industry.</p></p></div><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://ahrdbdf.info/injury-at-birth-causes-the-law-and-you/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>About Consumer Mailing List</title> <link>https://ahrdbdf.info/about-consumer-mailing-list/</link> <comments>https://ahrdbdf.info/about-consumer-mailing-list/#comments</comments> <pubDate>Tue, 09 May 2023 18:21:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Mailing Lists]]></category> <guid isPermaLink="false">http://ahrdbdf.info/?p=71</guid> <description><![CDATA[Consumer mailing lists are those lists that are comprised solely of consumers; no businesses and corporations are included on the list. These mailing lists are used by businesses in order to advertise special offers to consumers on a regular basis. … <a href="https://ahrdbdf.info/about-consumer-mailing-list/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Consumer mailing lists are those lists that are comprised solely of consumers; no businesses and corporations are included on the list. These mailing lists are used by businesses in order to advertise special offers to consumers on a regular basis. Consumers will have had to “opt-in” to the mailing list in order to receive the special offers from the businesses which means they will have had to agree to receive the advertisements at some point or another.Quite often consumers will not remember having signed up on a consumer mailing list and will, therefore, complain about being on the mailing list. This is unfortunate and can cost the business time and money since, if a lawsuit is filed against them, they will need to research their records to find exactly when the consumer signed up to be on the mailing list and agreed to receive the advertisements. This can be an expensive endeavor for the business.Consumer mailing lists can be segmented according to geographic location, occupation, age, family size, or any number of other criteria. There can even be a complicated mix of the criteria so the advertising campaign will be sent to a very targeted group. It really depends on how sophisticated the holding company is with the consumer mailing list.Mailing lists can be used for direct mail, which is the regular postal mail or “snail mail”, or for email campaigns. Either way, the consumer mailing list needs to be compliant with certain laws that regulate how it can be used, how often it may be used, and to what extent. </p>]]></content:encoded> <wfw:commentRss>https://ahrdbdf.info/about-consumer-mailing-list/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Using a Payday Loan For Fast Cash</title> <link>https://ahrdbdf.info/using-a-payday-loan-for-fast-cash/</link> <comments>https://ahrdbdf.info/using-a-payday-loan-for-fast-cash/#comments</comments> <pubDate>Fri, 05 May 2023 12:46:58 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Loans]]></category> <category><![CDATA[bad credit loans]]></category> <category><![CDATA[best payday loans]]></category> <category><![CDATA[how to get a payday loan]]></category> <category><![CDATA[loans]]></category> <category><![CDATA[online payday loans]]></category> <category><![CDATA[pay day loans]]></category> <category><![CDATA[payday]]></category> <category><![CDATA[payday lenders]]></category> <category><![CDATA[payday loan]]></category> <category><![CDATA[payday loan consolidation]]></category> <category><![CDATA[payday loan help]]></category> <category><![CDATA[payday loans]]></category> <category><![CDATA[payday loans app]]></category> <category><![CDATA[payday loans newark]]></category> <category><![CDATA[payday loans online]]></category> <guid isPermaLink="false">http://ahrdbdf.info/?p=66</guid> <description><![CDATA[A payday loan is the type of loan you should seek if you need fast cash in a hurry, since this type of loan has quick approvals and virtually no credit checks. The aspect of being fast is probably the … <a href="https://ahrdbdf.info/using-a-payday-loan-for-fast-cash/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> A payday loan is the type of loan you should seek if you need fast cash in a hurry, since this type of loan has quick approvals and virtually no credit checks. The aspect of being fast is probably the biggest draw for this type of loan, where you can usually have the money in a matter of hours. And since no credit check is required, this is especially helpful for people with bad credit.Looking at all the different types of loans you could get, a payday loan is probably the easiest to get. Hardly any companies that offer this type of loan require a credit check. To get this type of loan, sometimes also called a cash advance loan, you need a job, a steady paycheck and a paycheck stub, and a checking account with a local bank. With all of those things, a payday loan is just around the corner for you. But you need to be aware of the characteristics of a payday loan before you sign on the dotted line.You will typically need to have a minimum amount of employment with your current employer for at least a month, sometimes three months, and with a few more stringent companies, even six months. Your checking account must be with a local bank and should not be in the negative when you apply. The company offering this loan may check with your bank about the number of overdrafts you’ve had in recent months, but that is virtually as far as any type of credit check will go.Although this type of loan is quick, the downside is the much higher fees involved. The amount of the fees will usually depend on the amount being borrowed. You can usually borrow from $100 to $500 with companies offering this type of loan, and some may even go higher, and the fees will be a percentage of the amount borrowed. Make double sure you understand what those fees are and which fees will be applied to your loan.For instance, if you do not pay the loan off on its due date, usually your next pay day, and need to extend the loan, you will have to pay additional interest charges. Many payday loan companies allow you to extend your due date up to three times, each time you will be charged interest fees. It is usually best to pay the loan off on or before its due date to avoid excess charges.The great thing about a payday loan is that they can be helpful when you are in a bind. Many people, especially those with bad credit, take advantage of these loans if they do not qualify for a traditional loan. The biggest differences between a payday loan and a traditional loan are the amount of time you have to pay it back and the finance charges.There are no rules for what a payday loan can be used for. You can use it for car repairs when that repair cannot wait until your next pay day. It can be used to cover a check you wrote that you don’t want to bounce or to take an emergency trip out of town, or any other reason you may have. This type of loan most times will not even ask what you plan to use the money for, since it really does not matter.If you find yourself in a tight financial spot, a payday loan can be very helpful, as long as you understand the process and the much higher interest and fees involved. The company providing the loan will usually expect payment on your next pay day, which is where the name of this type of loan comes from. There are many online companies that sometimes will charge significantly lower fees and interest for this type of loan. </p>]]></content:encoded> <wfw:commentRss>https://ahrdbdf.info/using-a-payday-loan-for-fast-cash/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Obligations On An Employer Who Is Served With A Detachment Of Earnings Order</title> <link>https://ahrdbdf.info/obligations-on-an-employer-who-is-served-with-a-detachment-of-earnings-order/</link> <comments>https://ahrdbdf.info/obligations-on-an-employer-who-is-served-with-a-detachment-of-earnings-order/#comments</comments> <pubDate>Fri, 05 May 2023 09:14:25 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Employment]]></category> <category><![CDATA[casual employment]]></category> <category><![CDATA[employ employment]]></category> <category><![CDATA[employment]]></category> <category><![CDATA[employment at will]]></category> <category><![CDATA[employment bond]]></category> <category><![CDATA[employment contract]]></category> <category><![CDATA[employment gap]]></category> <category><![CDATA[employment law]]></category> <category><![CDATA[employment lawyer]]></category> <category><![CDATA[employment news]]></category> <category><![CDATA[gaps employment]]></category> <category><![CDATA[the employment]]></category> <guid isPermaLink="false">http://ahrdbdf.info/?p=64</guid> <description><![CDATA[The Child Support Agency (‘CSA’) is able to order what some of us remember as ‘Garnishee Orders’ against employers in order to siphon-off a percentage of an employee’s income for the purpose of collecting child maintenance. Such orders, in this … <a href="https://ahrdbdf.info/obligations-on-an-employer-who-is-served-with-a-detachment-of-earnings-order/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> The Child Support Agency (‘CSA’) is able to order what some of us remember as ‘Garnishee Orders’ against employers in order to siphon-off a percentage of an employee’s income for the purpose of collecting child maintenance. Such orders, in this area of law, are a creature of statute and are called ‘Detachment of Earnings Orders’ (‘DEO’). Rather confusingly, DEO’s are not the same as the Third Party Debt Orders found in Part 72 of the Civil Procedure Rules. Nomenclature aside, the real difference that is to be found in the DEO is the way in which one applies to have them set aside. An appeal against a DEO’s lies to the magistrates’ court on circumscribed bases, the definition of which has led to costly, confusing, litigation.The power to order a DEOThe CSA’s power to collect child maintenance arises from section 4 of the Child Support Act 1991 (‘the Act’). In turn, the CSA’s power to order the employer to comply with a DEO arises from section 31 of the Act which allows the Secretary of State to may make an order against a ‘liable person’ to secure the payment of any amount due under a maintenance calculation. A deduction from earnings order may be made so as to secure the payment of arrears of child support maintenance payable under the calculation and/or amounts of child support maintenance which will become due under the calculation.Penalties against an employerIt is a criminal offence for the employer not to comply. Section 32(8) of the Act provides that if an employer fails to comply with the requirements of a DEO he shall be guilty of an offence and shall be liable on summary conviction to a fine not exceeding level two on the standard scale (£500).Circumscribed grounds of appealWhat then is the available remedy for the employee who has had his earnings slashed by virtue of a DEO? The possible grounds for appeal against a DEO are contained in Regulation 22 of the Child Support (Collection and Enforcement) Regulations 1992 (‘the Regulations’) which provides that an appeal may be made only on one or both of the following grounds: (1) that the deduction from earnings order is ‘defective’; and/or (2) that the payments in question do not constitute earnings. In reality the second ground of appeal is rarely argued because a dispute as to what constitutes earnings usually only occurs where the liable person is self-employed.Appealing against a DEO on the basis that it is ‘defective’, however, is becoming an increasingly common avenue of appeal. Unfortunately, the common misconception as to the meaning of ‘defective’ in the discrete world of CSA law is leading to expensive and unnecessary litigation. This situation is sadly often fuelled by the lack of awareness of this area of law in the magistrates’ court. This may go to the absurdity of the legislation providing that the appeal ought to lie to the magistrates’ court rather than any fault of those courts.However, surprising as it may seem, a ‘defective’ DEO is not, for example, one which ought not to have been ordered because the child support maintenance was never owed; nor that the calculation is entirely wrong; nor that the person who is the subject of the DEO is not a liable person. This is made clear by section 32(6) of the Act which provides that a court hearing an appeal under subsection (5) the shall not question the maintenance calculation by reference to which the deduction from earnings order was made. One begins to wonder if the ‘right’ to appeal is an Orwellian term.Finding the definition of ‘defective’ requires some hunting around because it is not contained in the Act. Instead it is contained in Regulation 8(1) of the Regulations which provides that: “defective” means . . . that it does not comply with the requirements of regulations 9 to 11 and such failure to comply has made it impracticable for the employer to comply with his obligations under the Act and these Regulations. The criteria in Regulations 9 – 11 are rather banal provisions pertaining to: the name and address of the liable person, the name of the employer at whom it is directed; where known, the liable person’s national insurance number; and the protected earnings proportion (no more than 40% of a liable person’s earnings may be deducted). However, even if sections 9 – 11 are wholly ignored Regulation 8 will not bite unless the failure has made it impracticable for the employer to comply (so long as there is no breach of the protected earnings proportion). In other words if any monies have been deducted successfully in any month by the CSA, the DEO cannot be said to be defective.Other avenues of appealThe best weapon against DEO’s does not lie by way of statutory appeal, but in fact by way of an appeal against the maintenance calculation itself which lies to the CSA Appeal Tribunal. The Tribunal has the power to question the all important calculation which in turn may lead to some success in challenging the DEO. Unfortunately, this is still a little known form of redress against the DEO. </p>]]></content:encoded> <wfw:commentRss>https://ahrdbdf.info/obligations-on-an-employer-who-is-served-with-a-detachment-of-earnings-order/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Don’t Fall Victim To A Health Insurance Scam – 10 “Red Flags” You Should Look For</title> <link>https://ahrdbdf.info/dont-fall-victim-to-a-health-insurance-scam-10-red-flags-you-should-look-for/</link> <comments>https://ahrdbdf.info/dont-fall-victim-to-a-health-insurance-scam-10-red-flags-you-should-look-for/#comments</comments> <pubDate>Fri, 05 May 2023 05:41:27 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Health]]></category> <category><![CDATA[Acne]]></category> <category><![CDATA[Anti Aging]]></category> <category><![CDATA[Beauty]]></category> <category><![CDATA[Cosmetic Surgery]]></category> <category><![CDATA[Diabetes]]></category> <category><![CDATA[Drug Abuse]]></category> <category><![CDATA[Health and Fitness]]></category> <category><![CDATA[Massage]]></category> <category><![CDATA[Meditation]]></category> <category><![CDATA[Nutrition]]></category> <category><![CDATA[Personal Training]]></category> <category><![CDATA[Popular Diets]]></category> <category><![CDATA[Skin Care]]></category> <category><![CDATA[Spa and Wellness]]></category> <category><![CDATA[Speech Pathology]]></category> <category><![CDATA[Weight Loss]]></category> <category><![CDATA[Yoga]]></category> <guid isPermaLink="false">http://ahrdbdf.info/?p=61</guid> <description><![CDATA[In today’s fast paced world, business owners don’t often have the time to thoroughly check out the companies they rely on to provide goods and services. In many cases, a determination of product/service quality can be made at the time … <a href="https://ahrdbdf.info/dont-fall-victim-to-a-health-insurance-scam-10-red-flags-you-should-look-for/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> In today’s fast paced world, business owners don’t often have the time to thoroughly check out the companies they rely on to provide goods and services. In many cases, a determination of product/service quality can be made at the time goods are delivered or services are rendered. If goods or services do not meet expectations, there is often an immediate remedy available. For example, poor quality goods can be shipped back to the supplier and/or payment for services can be withheld until services are satisfactorily rendered.Unfortunately, business owners do not always purchase items that are tangible items, in the sense that they can immediately determine the quality of the goods and/or services at the time of purchase. One example of such a purchase is health insurance. Since health insurance is not usually used immediately after purchase, the quality of care or the legitimacy of the policy may not even come into play until the business owner, or a family member, actually needs to have medical treatment. This is one of the primary reasons that many companies, often appearing legitimate, can get away with selling bogus health insurance coverage to unsuspecting business owners.In most cases, fraudulent health insurance policies are sold to business owners by telemarketers or “agents” through bogus Associations and Unions. In that, the buyer must join a professional and/or trade association or become a union member to qualify for health insurance. In fact, in a study published by the U.S. General Accountability Office (GAO) in 2004, the GAO found that association schemes ranked at the top of the marketing methods followed by bogus health insurers. According to the report, “Employers and Individuals Are Vulnerable to Unauthorized or Bogus Entities Selling Coverage, between 2000 and 2002, the U.S. Department of Labor and state insurance regulators identified 144 unauthorized entities selling health insurance unlawfully. These entities defrauded 15,000 employers and more than 200,000 policyholders out of $252 million.”However, it is important to mention that many individual and group health insurance products are endorsed by reputable Associations, such as the ARRP and the American Bar Association and, many reputable Unions, such as the AFLCIO and the Teamsters. These organizations have long been recognized for bringing a common class of professionals or citizens together for other purposes that have very little to do with health insurance. Membership commonly includes a wide range of other benefits in addition to discounted health insurance. Typically, the organizations have a governing organization, a constitution and bylaws, a set of officers, voting rights, regular membership meetings and a professional code of conduct.Unfortunately, most individuals do not find out that they were making hefty monthly payments or premiums to fraudulent Associations or Unions until they have a severe condition that requires medical treatment. Usually, it isn’t until after they receive treatment that they receive notice from their medical provider that the claim that was submitted to the insurance company was denied and that all the medical charges that were incurred are now their responsibility.Often, the scheme starts when business owners are contacted by telephone or approached by someone who claims to represent a certain, official sounding, Association or Union. The business owner is then informed that if s/he becomes a member of the Association or joins the Union, s/he could qualify for a low cost group or individual health insurance plan. Typically the Association or Union is promoted to represent self-employed individuals and small business owners. The low cost health insurance is usually presented as one of the many “perks” that the business owner can qualify for, in addition to many other “member” benefits, like discounts on other services, such as dental, eyeglasses, office supplies, hotels, rental cars, etc.In many instances, these bogus companies involve licensed health insurance agents to sell their fraudulent health insurance products. Sometimes the “agents” know the products are fraudulent, other times, the “agent” also falls prey to the scheme. Often, the schemes prey upon consumers who have been previously declined insurance coverage or suffer from a pre-existing condition. Since these consumers have very limited options to purchase private health insurance coverage, the benefits of an Association or Union membership that offers health insurance coverage for a “membership fee” or “union due” is enticing. To the unsuspecting consumer that has a pre-existing medical condition or is paying high premiums for coverage, the “membership fee” or “union due” is a small price to pay for what they believe will be a quality health plan that provides “guaranteed” coverage with no “pre-existing condition exclusions” and no “waiting periods.”In many circumstances, the print materials that are left with the consumer are very well designed, however, the majority of the time, the language in the “health plan brochure,” if there is one, is very unclear. The literature may name the entity that is authorized to act as the health plan administrator of the plan, but neglect to name the actual insurance company that is providing the health insurance coverage. Unfortunately, it is often difficult for the consumer to separate the illegitimate companies selling official sounding health plans from the legitimate ones. Typically fraudulent health plans have many commonalities.Here are 10 “Red Flags” that may indicate health insurance fraud:1. The “agent” is not a licensed insurance agent but an “enrollment” or “membership” coordinator.2. The term “discount plan” is written in the product literature, but the term health plan, health insurance or policy is frequently used by the plan promoter. Discount plans often provide nothing more than a discount for medical services, such as prescription medications, eyeglasses, dental, etc. These plans are not designed to offer major medical health insurance coverage.3. The official sounding “Association or Union” is one that you have never heard of before.4. The plan is referred to as an ERISA plan. The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that allows employers to set up employee benefit plans for employees and their dependents. ERISA plans are not subject to state regulation and are not regulated by the state insurance commissioner. ERISA plans are normally not sold as health insurance, but are instead, established by employers, unions or groups acting on behalf of employers. Therefore, unsuspecting buyers believe these plans actually offer health insurance coverage, when if fact, they do not.5. The buyer is told that the “membership fee or union dues” includes the health insurance premium, but there is no mention of the word “premium” in any of the plan literature.6. The plan offers “guaranteed” insurance coverage with no exclusions for “pre-existing conditions” and no “waiting periods.”7. The plan is significantly cheaper in price than other health insurance plans.8. The term “reinsured” is used in regards to the plan. Reinsurance is something insurance companies buy to protect themselves against their own risks. It is insurance for insurance companies. Licensed insurers rarely have their agents mention any of their reinsurance arrangements during a sales presentation.9. If the Association or Union is comprised of members from all walks of life and/or requires its members to state that they belong to a certain trade, class or group of professionals that they have no affiliation with, for example, the Association or Union is said to be comprised of “Food and Beverage” workers, but “Florists” and “Machinists” are allowed to enroll as members.10. If the Association or Union is said to have a special arrangement with a health insurance company, a plan administrator or another third party that has designed the plan using a legal “loophole” that allows members to purchase health insurance at a discounted rate or to purchase a individual or group health insurance policy.So how can you protect yourself from falling victim to a fraudulent insurance scam? Make sure you contact your state’s department of Insurance to determine if the health insurance company and the third-party administrator are licensed to do business in your state and make sure that the “agent” selling the plan is a “licensed health insurance agent.” Additionally, make sure that the health insurance company has been approved to sell the particular policy that is being offered. Since it may be difficult to tell if fraud is involved, always put off buying your insurance policy until you have had the opportunity to perform your own due diligence.©2007 Small Business Insurance Services, Inc. http://www.smallbusinessinsuranceservices.com </p>]]></content:encoded> <wfw:commentRss>https://ahrdbdf.info/dont-fall-victim-to-a-health-insurance-scam-10-red-flags-you-should-look-for/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How Cryptocurrency Trading Software Is Helping To Grow Your Crypto Platform</title> <link>https://ahrdbdf.info/how-cryptocurrency-trading-software-is-helping-to-grow-your-crypto-platform/</link> <comments>https://ahrdbdf.info/how-cryptocurrency-trading-software-is-helping-to-grow-your-crypto-platform/#comments</comments> <pubDate>Fri, 24 Sep 2021 11:26:54 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[coin]]></category> <category><![CDATA[commission]]></category> <category><![CDATA[Platform]]></category> <category><![CDATA[wallet]]></category> <category><![CDATA[Withdraw]]></category> <guid isPermaLink="false">http://ahrdbdf.info/?p=38</guid> <description><![CDATA[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 … <a href="https://ahrdbdf.info/how-cryptocurrency-trading-software-is-helping-to-grow-your-crypto-platform/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p>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.</p><p>Important features you should consider:</p><p>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.</p><p>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</p><p>Unique Admin Module: Nishue contains a secure and advanced Admin Module for you to control your Cryptocurrency exchange end-to-end.</p><p>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.</p><p>MLM & affiliate management: This marketing ready automation tools facilitate to manage your level wise affiliate commission, contribution history, and documents.<br />Market comparison & Converter: Two additional system has been integrated for live Crypto Comparison, Conversion & Depth analysis.</p><p>How Cryptocurrency Trading Software Is Helping To Grow Your Crypto Platform:</p><p>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.</p><p>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.</p><p>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.</p><p>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.</p><p>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.</p><p>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.</p><p>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.</p><p>Crypto Comparison, Conversion & Depth analysis: Crypto live market cap & coin convertor two addition system has been integrated for live Crypto Comparison, Conversion & Depth analysis</p><p>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.</p><p>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.</p>]]></content:encoded> <wfw:commentRss>https://ahrdbdf.info/how-cryptocurrency-trading-software-is-helping-to-grow-your-crypto-platform/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Tips to Choose the Best Crypto Signal Service</title> <link>https://ahrdbdf.info/tips-to-choose-the-best-crypto-signal-service/</link> <comments>https://ahrdbdf.info/tips-to-choose-the-best-crypto-signal-service/#comments</comments> <pubDate>Thu, 23 Sep 2021 11:26:30 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Pricing]]></category> <category><![CDATA[program]]></category> <category><![CDATA[Quality]]></category> <category><![CDATA[software]]></category> <category><![CDATA[Support]]></category> <category><![CDATA[trading]]></category> <guid isPermaLink="false">http://ahrdbdf.info/?p=36</guid> <description><![CDATA[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 … <a href="https://ahrdbdf.info/tips-to-choose-the-best-crypto-signal-service/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p>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.</p><p>Service Quality</p><p>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.</p><p>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.</p><p>Reliability</p><p>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.</p><p>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.</p><p>Free Trial</p><p>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.</p><p>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.</p><p>Pricing</p><p>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.</p><p>Support</p><p>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.</p><p>Without reliable customer support, you can’t benefit from the crypto signal service the way you should.</p><p>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.</p>]]></content:encoded> <wfw:commentRss>https://ahrdbdf.info/tips-to-choose-the-best-crypto-signal-service/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Currency Vs Fiat Currency</title> <link>https://ahrdbdf.info/crypto-currency-vs-fiat-currency/</link> <comments>https://ahrdbdf.info/crypto-currency-vs-fiat-currency/#comments</comments> <pubDate>Thu, 23 Sep 2021 11:25:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[currency]]></category> <category><![CDATA[money]]></category> <category><![CDATA[play]]></category> <category><![CDATA[requirements]]></category> <category><![CDATA[roots]]></category> <guid isPermaLink="false">http://ahrdbdf.info/?p=34</guid> <description><![CDATA[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 … <a href="https://ahrdbdf.info/crypto-currency-vs-fiat-currency/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p>Crypto currency vs. Fiat currency</p><p>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.</p><p>In cashless society- crypto money play a huge role</p><p>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.</p><p>Crypto currency and fiat currency are always at loggerheads</p><p>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.</p><p>Differentiating in what the currencies stand for</p><p>Before going for the difference between the two, you must understand what do they stand for and how are they are defined.</p><p>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.<br />Hence, the difference between crypto currency and fiat currency is noted as follows:</p><p>• 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.</p><p>• 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.</p><p>• 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.</p><p>• 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.</p><p>• 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.</p><p>• 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.</p><p>The different types of crypto and fiat currencies</p><p>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.</p><p>The differences in the anonymity between the two currencies</p><p>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.</p><p>Fiat currency vs crypto currency: transparency level</p><p>• 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.</p><p>• The fiat or govt. currencies are not transparent, as there are not public chains to see the revenue streams of the people.</p><p>A comparative historical roots</p><p>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.</p><p>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.</p><p>A comparative history of the two currencies:</p><p>• 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.</p><p>• 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.</p><p>• 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.</p><p>• 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.</p><p>• 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.</p><p>The traits of both the currencies</p><p>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.</p><p>Let us compare their traits with respect to certain factors.</p><p>• Both the crypto coins and fiat type currencies are interchangeable in nature.</p><p>• As per the portability is concerned both the currencies secure more or less the same position.</p><p>• With respect to the non consumable criteria, crypto currency and fiat type currency have the equal status.</p><p>• Crypto type currencies have high durability as compared to the fiat-currencies that have moderate level of durability.</p><p>• Both the crypto or virtual currencies and the fiat or government currencies ensure secure and safeguarded transactions and exchange.</p><p>• Crypto or digital currencies are highly divisible in nature. On the other hand, the fiat type currencies are moderately divisible.</p><p>• 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.</p><p>• 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.</p><p>• 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.</p><p>• The crypto based currencies are based on mathematical algorithms, and are programmable. The fiat currencies are not at all programmable.</p><p>• The fiat currencies are sovereign in nature, while the crypto currencies are not.</p><p>The process of the functioning of the currencies</p><p>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.</p><p>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.</p><p>Depending on the things you purchase, you will find that one currency form is better than the other. This is absolutely your choice.</p><p>Is Bitcoin, a crypto currency better than the fiat-currency?</p><p>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.</p><p>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.</p><p>Why is Bitcoins considered to be a better aspect than the fiat type currencies?</p><p>• Bitcoin gives you the opportunity to re-create a free market capitalism.</p><p>• The power of controlling the money is absolutely with the individuals, and not with the banks like the fiat type currencies.</p><p>• 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.</p><p>• The Bitcoin currency is easy easier to exchange and transfer as compared to the fiat or government currencies.</p><p>• The transaction fees involved with the Bitcoin are way cheaper and easily affordable.</p><p>Crypto currencies seem to be a favorable option among the people</p><p>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.</p><p>Send money anywhere directly without waiting for the bank’s approval</p><p>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.</p><p>The blockchain technology has a very big role to play</p><p>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.</p>]]></content:encoded> <wfw:commentRss>https://ahrdbdf.info/crypto-currency-vs-fiat-currency/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Crypto Market Analysis</title> <link>https://ahrdbdf.info/crypto-market-analysis/</link> <comments>https://ahrdbdf.info/crypto-market-analysis/#comments</comments> <pubDate>Thu, 23 Sep 2021 11:24:13 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Analysis]]></category> <category><![CDATA[Bitcoin]]></category> <category><![CDATA[Crypto]]></category> <category><![CDATA[marke]]></category> <category><![CDATA[Market]]></category> <category><![CDATA[point]]></category> <guid isPermaLink="false">http://ahrdbdf.info/?p=32</guid> <description><![CDATA[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 … <a href="https://ahrdbdf.info/crypto-market-analysis/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p>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.</p><p>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.</p><p>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</p><p>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.</p><p>Conclusion</p><p>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.</p>]]></content:encoded> <wfw:commentRss>https://ahrdbdf.info/crypto-market-analysis/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Increasing Student Success Through Instruction in Self-Determination</title> <link>https://ahrdbdf.info/increasing-student-success-through-instruction-in-self-determination/</link> <comments>https://ahrdbdf.info/increasing-student-success-through-instruction-in-self-determination/#comments</comments> <pubDate>Thu, 23 Sep 2021 01:50:35 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Arts]]></category> <category><![CDATA[Business]]></category> <category><![CDATA[education]]></category> <category><![CDATA[Services]]></category> <category><![CDATA[Student]]></category> <category><![CDATA[Success]]></category> <guid isPermaLink="false">http://ahrdbdf.info/?p=27</guid> <description><![CDATA[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 … <a href="https://ahrdbdf.info/increasing-student-success-through-instruction-in-self-determination/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p>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.<br />Findings</p><p>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.</p><p>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.</p><p>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).</p><p>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.</p><p>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.<br />Significance</p><p>Self-determination theory has identified ways to better motivate students to learn at all educational levels, including those with disabilities.<br />Practical Application</p><p>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.</p><p>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.</p><p>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).</p><p>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.</p>]]></content:encoded> <wfw:commentRss>https://ahrdbdf.info/increasing-student-success-through-instruction-in-self-determination/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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