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<title>How A Business Loan Helps Business People</title>
<link>https://kouhdms.info/how-a-business-loan-helps-business-people,html</link>
<comments>https://kouhdms.info/how-a-business-loan-helps-business-people,html#comments</comments>
<pubDate>Thu, 16 Mar 2023 07:19:03 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://kouhdms.info/?p=68</guid>
<description><![CDATA[Overview: Becoming a self-employed businessman is a great reputation in the society but the problems faced by the entrepreneurs from the day one of their business is enormous. It is a great challenge for a person to overcome all obstacles to become a successful businessman. The numerous problem faced by all is finance. Even great [...]]]></description>
<content:encoded><![CDATA[Overview: 
Becoming a self-employed businessman is a great reputation in the society but the problems faced by the entrepreneurs from the day one of their business is enormous. It is a great challenge for a person to overcome all obstacles to become a successful businessman. The numerous problem faced by all is finance. Even great entrepreneurs of various industries have struggled a lot of financial crisis for setting up their business and to run their daily business operations. Thus finance plays a major role in the life of business people. Great ideas require the necessary financial support to bloom into a successful business.
Introduction: 
There are various sources for business people to raise capital for their business. The most trusted source is from banks. There are various reasons why people choose banks as the best source for raising capital for their business. Banks provide a lower cost of funds in the form of Business Loans. There are various types of business loans at differential interest rates to facilitate business people to solve their financial crises.
Types of Business Loans: 
Businesses are of different types and need finance at different stages of their business operations. The need also being different, banks help them in providing different types of business loans helping various small and medium enterprises to raise capital.
New Project Loan – Banks are interested in funding for new businesses and also for new projects of existing business. There are various criteria for getting new project loan and differs from bank to bank. Project loans are approved against the collateral of the person like residential property, commercial property or empty land.
Top-up on Existing Loans – These loans are issued for expansion, replacement, diversification of an existing business. These loans are approved for short term or long term basis to buy goods, machinery or any fixed assets for the company.
Working Capital Loans -These loans are provided for the business to solve sudden financial crises and repaid within short durations. Banks are more interested in providing working capital loans against their inventories, stocks or receivable bills of the company.
Secured Business Loan – Business loans in which companies raise their capital against any security for the bank. It may include plot, residential or commercial places, gold, shares, bills, insurance as collateral to get funds for their business. The interest rate is preferably less.
Unsecured Business Loan – Every businessman cannot afford to pledge a security in getting the business loan, so bankers help them with loans without any security based on bank transactions and income tax returns. These loans are charged with more interest rates when compared to secured business loans.
Requirements of the Banks: 
There are various steps and procedures followed by banks to provide funds. The procedure and documents to be submitted to the banks as follows
Identity and address proof of the company – Address proof and identity proof of partnership or proprietor business.
Statutory legal registration of the company – Whether the company is legally registered under government norms and have followed all procedures legally in setting business.
Financial statement of the company – Every bank is interested in seeing the recent 1-year business transaction of the company.
Income tax returns – ITR helps the bankers to check the business performance, efficiency level, assets and liabilities of the company and also tax that company pays from their current earnings. This also plays a major role in deciding the loan amount for the business people.
Financial Security – It includes the fixed and movable assets of the company which helps the banker to consider providing business loans based on the asset value along with the business transactions. This also safeguards banks from the failure of businessmen that fail to repay the loan amount.
Previous Loan track – This is a very important factor considered by banks which will help them evaluate the financial condition of the business and also to check on past repayments on loans.
Litigation – It will help banks assess the character of businessmen before providing a business loan.
Takeaway: 
Though business loans are found to be a great source for raising capital, businessmen undergo challenge in getting timely funds from the banks. In order to help them in availing timely loans, even NBFC is also now prepared to help them with funds at various stages of their business. Banks & NBFC have also made the lending process easy, with all verification done in shorter time-span, doorstep assistance in collecting documents etc. Businesses with good cash flows & credit score can avail timely funds with much ease.
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<item>
<title>Hiring a Business Coach That Facilitates Substantial Growth</title>
<link>https://kouhdms.info/hiring-a-business-coach-that-facilitates-substantial-growth,html</link>
<comments>https://kouhdms.info/hiring-a-business-coach-that-facilitates-substantial-growth,html#comments</comments>
<pubDate>Thu, 16 Mar 2023 07:18:43 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://kouhdms.info/?p=66</guid>
<description><![CDATA[Running any business alone can be self-fulfilling for every entrepreneur but equally as tough and impossible to successfully manage. With this in mind, hiring a business coach is always a smart move because the opinion of an expert enables and facilitates businesses to reach their full potential. The business coaching industry in the US has [...]]]></description>
<content:encoded><![CDATA[Running any business alone can be self-fulfilling for every entrepreneur but equally as tough and impossible to successfully manage. With this in mind, hiring a business coach is always a smart move because the opinion of an expert enables and facilitates businesses to reach their full potential. The business coaching industry in the US has grown in recent decades to a worth of over $12 billion highlighting its impact and the need to find the best business coach for your business so as to unlock maximum potential.
Even the best business coaches require the services of other business coaches to effectively understand, explore and take advantage of the many specifics in their individual business set ups.
Hiring a qualified coach can improve leadership and facilitate expansion in domains of fundraising and project management. However, there exist many important considerations in finding the best or ideal coach for your business. These considerations include;
Cost
Cost is a very important consideration in the selection of an ideal business coach and it most often depends on factors like specialty, of expertise and location. Although experts are usually very expensive, it’s possible to find affordable cost effective coaches. For and other social businesses, investing time and effort could easily find low pay experts who could offer coaching services as support of causes. Before even setting out in search of a coach, it’s necessary to study your budget and clearly allocate what can be used for coaching services so as to prevent over-extension into debt.
Best Business Fit
When sampling potential coaches for any business, key to make sure those with the best fit for your business are the target. For example, hiring an ideal non-profit coach would entail narrowing to affordable coaches in the social business domain with proven track records of success. This can be assisted by personal and social feedback recommendations in combination with actual discussions with these potential coaches.
Possible Time Engagement with Coach
This is a slightly complicated consideration when looking at getting a business coach because the dedicated time engagements are usually very much dependent on expertise, and location. However, ensuring the arrangement of quality and long enough time with your coach increases the effectiveness of the relationship. Furthermore, time for meetings and follow up work must be set aside to make the best out of the coaching.
Preparedness for Change
In order to set up for maximum benefits from engagement with a business coach, it is essential to be prepared for significant changes. This is the productivity of the relationship doesn’t only depend on the quality of advice from the coach but also on the preparedness of the management to listen and make changes with respect to this.
Hiring a social business coach can give and other social entrepreneurs the extra edge required for substantial growth, but their services would have to be cost effective, best fitting, and available.Their advice will also need to be and implemented for results to be eminent.
The many benefits associated with hiring the ideal business coach can be summarized under the following points;
Extra, Required Motivation
The one great quality almost every business coach will offer is relentless motivation and getting business owners unstuck when stepping into their own way. No matter the self-motivation possessed by the owner of any business, moments arrive when it’s almost impossible to apply this self-motivation. In times like this, an all-important push to recovery from a professional is required even if it’s simply in the form of confirming something already in your mind and plans.
Unafraid with Unbiased Opinion
A very important asset carried by business coaches is the ability to always provide unbiased opinions that are often absent in the management setting of many businesses. Furthermore, not being afraid to offer correction and confrontation to founders is very beneficial to every business as it often leads to solutions that others close to the business would have missed.
Stepping Outside Comfort Zones
In the absence of a business coach, it is very easy for business introvert managements to become overly comfortable and engulfed in their own ideas and goals limiting for expansion. Seasoned business coaches will encourage adventure and the trying out of new things that could be of help for your business and also curb over eagerness for extrovert entrepreneurs that could end up with being caught ruts. Moving out of your comfort zones with encouragement from your business coach breeds confidence which is usually translated to the achievement of very big goals.
Support in the Identification of Strengths and Weaknesses
An experienced business coach offers the capability of identifying patterns that assist in the discovery and exploitation of your strengths while taking note and addressing weaknesses. The outside perspective of a business coach goes far beyond sorting likes and dislikes but to the extent of uncovering useful hidden talents, and potential.
Increased Focus on Ideas and Business Needs
Hiring enhance creativity as they present increased opportunities to brainstorm ideas together fine tuning them with almost never leaving the business. Also, they ensure focus isn’t lost from the business goals employees, clients or family. Business coaches ensure priority remains on the business without sacrifice of other parts of life such as health which are important to successfully integrate for guaranteed success.
Goals Management and Accountability
Audacious goals are always well understood by coaches and they collaborate to enable realization. Managing business goals though isn’t a quality possessed by many entrepreneurs. With the help of coaches, there is understanding of how classification and follow up can be set up to monitor progress with respect to goals.
Setting up, managing and realizing the most audacious business goals hardly come without accountability during to someone. Your coach plays the role of an accountability partner with the responsibility of reminding you of set goals and promises to be fulfilled.
Having highlighted some of the benefits of hiring a business coach, it is fair to conclude all businesses especially start-ups and struggling projects would improve management, marketing and particularly fundraising with ideal social business coaching increasing expansion capability.
]]></content:encoded>
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</item>
<item>
<title>10 Steps on How to Develop a Business Properly</title>
<link>https://kouhdms.info/10-steps-on-how-to-develop-a-business-properly,html</link>
<comments>https://kouhdms.info/10-steps-on-how-to-develop-a-business-properly,html#comments</comments>
<pubDate>Thu, 16 Mar 2023 07:18:22 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://kouhdms.info/?p=63</guid>
<description><![CDATA[So you want to develop a business, huh? Well, you’re just in luck. This article will help you whether you are planning to start up new or have an existing business that you would like to expand. This is a step by step guide on how to start, improve, and expand a business while minimizing [...]]]></description>
<content:encoded><![CDATA[So you want to develop a business, huh? Well, you’re just in luck. This article will help you whether you are planning to start up new or have an existing business that you would like to expand. This is a step by step guide on how to start, improve, and expand a business while minimizing loss on your part. If you are starting new, please read this article carefully from the very beginning. For those, who already have an existing business and would like to improve or expand, the latter part of the article will be more useful.
Every business starts with an idea. You will find that throughout the article, I have emphasized the mental aspects of people rather than physical or financial aspects. Call me philosophical, but the mind is where everything happens. I have seen and experienced it time and time. When your mind is fully committed, there is literally nothing that you cannot do. Let’s begin.
Step 01: Find Your Passion
To start a business, you need to find out what it is that you are truly passionate about. “Why is that important”, you say? The answer is simple. You really do not want to get yourself stuck into a kind of work that you hate. There are plenty of planning and executing involved in a brand new business and if you are passionate about it, they would not feel like work at all compared to a kind of business you do not care for. After all, happiness is the end result of anything that we do in life. Why not choose a business that would make you happy while doing it?
“When your vacation becomes your vocation, you have succeeded in life”.
Step 02: How to Sell It
Now that you have found your passion, let us figure out how to use it to bill people who are in need of the kind of service you can provide. Even though yours is the most ridiculous passion ever, believe me, there are millions of people who would be glad to have your services. As a matter of fact the stranger and more unique your passion is, the more likely you are to succeed simply because that type of business doesn’t exist yet. That also doesn’t mean that if your passion is something common or usual, you shouldn’t do it. Even if it is something common, if you really love it, you will always find ways to do things differently than the others and that itself is the winner.
Let’s say that you are passionate about cars. You are more likely to succeed in an auto shop, auto parts shop, or a repair and modification shop. Sure, there are plenty of those out there, but if you love it, it is going to be one of a kind. Maybe your shop has a nice waiting area where your customers can have a seat and a free beverage when they come to drop off or pick up a car, or you may have free stickers complementary to having their breaks fixed. Once you’re in the business, you’ll figure that out.
Step 03: The Planning
Write down your unique ideas and prepare a presentation. Take some time to do it. You should not rush this part. If a new idea comes while you are in the middle of the planning stage, do not hesitate to change. Edit and modify until you are fully satisfied and you can see a clear mental picture of your business. I cannot emphasize how important this is. You have to be absolutely clear and certain. If there are parts that are hazy, leave for a while, do something else, and come back to the planning table again when your mind is clear. You will see later how we will reuse this step over and over again.
A thing to remember here is that I am not talking about the “Hows”. At this point, you’re not thinking how you will start the business. That will come later. Your focus at this stage is the “Whats”. If you start thinking about the “Hows”, you will ruin your plan because you will start to think about things such as “How do I get the capital”, “How am I going to find an ideal place” etc. The “Hows” will show up later when you are clear about the “Whats”.
Step 04: Visualize Your Success
Now that you have had the clear picture of your business, visualize how it would look and feel when it is fully operational and successful. You must be able to taste the success. This again is another important stage. Why-you ask? There will be obstacles on your way to success. This is the picture that will keep you going. It will also help keep your team motivated in the future should you need to inspire them in times of hardship. You, the leader, must have that picture of success handy at all times.
Step 05: The Needs
You are clear about what your business will be and you have a clear picture of success. By now, you are mentally ready, so let’s get physical. The physical needs of the business include 3 things: infrastructure, personnel, and finance.
Infrastructure: If your business is local such as an auto repair shop, you will need a space, an office, a storage area, and some furniture. If your business is virtual, you will need a website or other computer based applications. In any case, you have the clear picture (Step 03), so you can create a list of infrastructural needs.
Personnel: If it is a kind of business that you can do totally on your own, then you are it. If not, you are going to need assistance. Use Step 03, and find out how many people you will need and what their jobs and qualifications should be. You may also look among your friends, relatives and acquaintances that may have those qualifications and would be happy to help you in the beginning. Having a good friend or partner at this stage is very helpful. If you have a friend who shares almost the same vision as you, you have hit the jackpot. Things are a lot easier with a good friend beside.
Finance: This part is slightly uncomfortable for a lot of people. For this reason, a lot of great ideas never see the light of the day. Many would give up at this sector because they believe there is no money. If you feel that, please remember that the financial industry was built on great ideas. It is their purpose to invest. How else do you think the Empire State Building was built? One person didn’t put all his money into it. The idea was great and was simply backed by several financial institutions. The truth is there are numerous banks, lending agencies, and investors who are looking for a great idea to invest in.
However, ideally you, as the owner of the business, should have at least half the initial capital you need. If you are currently in a job, you can start saving up. If you already have the money, begin at once. If you do not have anything, use your Step 03 presentation to attract a wealthy relative, friend or an investor.
I have mentioned in the beginning of the article how important the mental aspects of the people are. I would like to elaborate on this a little bit more since finance is a huge issue. Fear is your only true enemy here. This is the only one thing that you have to overcome, and you have to face it no matter what. I will help you with a few tips on how to do it, but you have to walk this path.
First of all, it is okay to be afraid. It is a part of who we are. Just remember that “Courage is not the absence of fear. It is having fear and still doing the thing you are afraid of”. In other words, FACE IT. After all, “At the end of our lives, we only regret things we haven’t done or chances we haven’t taken”. What is the worst that could happen? We all die, and it is better to die quickly doing something we love than live a long boring life doing things that are safe and comfortable. Use Step 04 and have that taste of success, and get out there. Here are a few types of fear that you may have and how to overcome them:
Fear of Rejection: Yes, you will be rejected. Not a lot of people would understand what it is you are trying to do, so do not take it personally, and move on to the next. When you do your presentation, prepare your best and do it with passion. People invest in sincerity. I know I would. I would invest my own money if I saw a person who was genuinely passionate about a project even though I didn’t understand the business. Why? Because he would not give up on this until successful, so it pays to have your Step 01.
Fear of Loss: There is always a possibility of loss. After all, it is a new business and you do not know all the pits and falls. Trust in yourself that if you make a mistake and have a loss, you will also know how to get out of it. It is your idea, and you know best. Loss will happen when it happens, and you will know what to do then- no need to worry now.
Fear of Embarrassment: Yes, there are those who would always have something to say especially when you are having a hard time. You will be ridiculed and laughed at. However, wouldn’t that be sweeter when you come around triumphant? How could you win if you have never been defeated? Prepare to take the embarrassment and defeat, use Step 04 through these times, and come back a winner. People remember a hero- not an average person.
I hope the tips on fear would help you overcome it. Now that you have found the capital provider/s, there is one thing you should consider. Find an investor who is willing to wait for the business to properly run, which is ideally 6 to 8 months. There are investors, banks or lending agencies that would loan you the money but would want their interests or return of investment (ROI) almost immediately. This is short sighted. A wise investor knows that if the business isn’t fully operational and he starts to claim his money, neither will the business succeed nor will he get his money back. Therefore, choose someone who will wait. That way, the business is safe and the investor gets his full ROI.
Step 06: Start
Find your place, find your personnel, and go for it. Use your partner as a right hand man and divide jobs. One can find a place and buy the furniture and the other can do the hiring. Hire the best quality people you can. Keep in mind that the first set of employees will be your core team, and you must be comfortable working with them. Remember Step 03, so you will know how many people you need and what qualifications they must have.
Step 07: Employees
Make sure everyone knows clearly what they are doing. Create a fair employment policy where good jobs are rewarded. Also, make sure that employees that are not really up to the job are given chances and training before you let them go. It sometimes helps to pair up one good employee with another bad one so that the bad one can learn from the good. You may also create a profit sharing plan. This makes employees take care of your business as if it is their own.
Step 08: Market
Market your business and do it professionally. Once you have established your business, you must reach as many customers as possible. You may ask a professional photographer to take pictures of your facility, and ask a graphic designer to create brochures.
Online presence is also important. Create a good website. It is easy nowadays, but if you have the means, give it to an IT professional. See if you can create an app for smartphones for the services you provide. Offer promotions and discounts on your brochures and website.
Regularly meet your core team to discuss how to improve services or reach more customers. Have an open mind, take all their ideas and pick the ones that best suit you, and execute. These are several ways to market your business: Door to Door Marketing, Telemarketing, SEO, API (Create an app), Advertising.
On my next article, I will solely focus on Marketing Strategies.
Step 09: Expand
Expand your business. You already have one business model now, so all you have to do is copy and paste, so do not refuse a chance to expand. If it is a local business that serves only the local customers, open another branch or start franchising it to other cities. At this point, financing should not be a problem. Plenty of investors and financers will gladly give you the money. If it is an online business, expand your SEO or Customer Support team, and the whole world will be your market.
Step 10: Balance
Last but not least, create balance in everything you do. From the very first step to the last, balance is the key. The lesson on balance is huge, but I will discuss it briefly.
Too much of anything is bad. Do not work so hard that you lose your family, friends or health. After all, money is no good if you cannot share it with people you love, or if you have to spend most of your money in the hospitals. You have to keep the balance between your business and personal life. Also, no good idea can come out of you if you are overworked and tired all the times. When you feel stuck, get away for a while and come back later. You will find a solution.
There are ups and downs in life as well as in business. The lesson on balance also tells us that you should be cautious when you are succeeding and patient when you are failing. When you are succeeding, do not spend money unnecessarily on things you don’t need. Also, when you are failing, do not give up because success is just around the corner. It is the darkest before dawn, so “This too shall pass”.
You must also create a balance between you and your employees. You are their leader. If you are too hard on them, they will quit or even worse sabotage the business. If you are too soft, they will play more than work.
At the end, all businesses are about people. From your employees to your investors to your customers, balance all relationships. Share and enjoy your success.
Conclusion
I have gathered the information for this article from different life coaches, motivational speakers, and my own life experiences as a business developer. I hope it helps. Dream big and go for it.
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</item>
<item>
<title>A Short Note About the Variety of Travellers</title>
<link>https://kouhdms.info/a-short-note-about-the-variety-of-travellers,html</link>
<comments>https://kouhdms.info/a-short-note-about-the-variety-of-travellers,html#comments</comments>
<pubDate>Fri, 24 Feb 2023 11:35:52 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[Adventure Travel]]></category>
<category><![CDATA[Airline Travel]]></category>
<category><![CDATA[Budget Travel]]></category>
<category><![CDATA[Charter Jets]]></category>
<category><![CDATA[Travel Planning]]></category>
<category><![CDATA[Vacation Homes]]></category>
<guid isPermaLink="false">http://kouhdms.info/?p=61</guid>
<description><![CDATA[Traveling is a fruitful entertainment. It gives utmost pleasure to the travelers and makes them enjoy their life time by traveling to different destinations. Traveling is the basic activity got closer to the life of human. Humans started traveling even before the ancient civilization grows up. Hence, it is the activity mingled with the human [...]]]></description>
<content:encoded><![CDATA[ Traveling is a fruitful entertainment. It gives utmost pleasure to the travelers and makes them enjoy their life time by traveling to different destinations. Traveling is the basic activity got closer to the life of human. Humans started traveling even before the ancient civilization grows up. Hence, it is the activity mingled with the human nature. So traveling is not the newly invented entertainment. In this article, I would like to explain the different categories of travelers. Generally, travelers have been categorized with respect to their needs, shapes and gender. Let us see the different variety of travelers in detail.Backpacker:A traveler packs all of his or her stuffs into a backpack is called as “Backpacker” These stuffs include food, water and shelter to sleep. They carry these gears in highly compacted mode as a backpack. Backpacking is a combined activity of hiking and camping in a single trip. Generally, a backpacking trip must include at least one night stay in the wilderness.Women Travelers:You can understand the meaning and the type of travelers from the title itself. It refers to single female traveler or a group of females traveling together.LGBT Travelers:LGBT is the abbreviation of Lesbian, Gay, Bisexual and Transgenders. Travelers belongs to those category are known as LGBT travelers.Disabled Travelers:You can understand the variety of traveler from this title itself. People who travels even with their disabilities are called as “Disabled Travelers”. It is necessary for them to take enough medications. The visually impaired travelers would be helped by the Royal National Institute of the Blind to hail taxis but a simple sign up is required before you start traveling. There are no restrictions and limitations for the disable. Anyone can enjoy their tour.Festivals abroad:People who would travel to any country with the purpose of festive season are known as the kind of “Festivals abroad”. They would be starting for the vacation and they will be back after the season.Winter, water and extreme sports:These are all the travelers who travel on that particular season in order to participate in the sports. For ex: Travelers who are all going to Christmas Ski or bungee jump or any winter sports etc. They should carry appropriate medications and fully prepared to avoid the injuries.Overseas weddings and civil partnerships:These categories of travelers are the people who are willing to get married in other countries. They may need to travel to that country and have to be clarified with the legal terms. In such cases, perfect documentation is required. Hence, planning far before the date of wedding is necessary. Some process would take few months.Hajj pilgrims:Hajj Pilgrims are a variety of travelers who travels from a country to Hajj, the largest annual pilgrimage in the world. They are a kind of spiritual travelers. Only the people who belong to Muslim religion would travel to Hajj.Visiting friends and family abroad:These types of travelers start their travel to other countries to visit their friends and family.Traveling abroad for medical treatment:People who are traveling to abroad for the special medical treatments would come under this category.Traveling football fans:People who travel to other countries to enjoy the football tournament comes under this kind.Cruise ship passengers:People who travel through cruising are called as Cruise ship passengers. It is one of the safest mode of traveling.Antarctica visitors:Antarctica is a unique travel destination and highly protected place on earth. People who are all traveling to Antarctica is called as Antarctica visitors.Winter Olympic & Paralympic Games:The sports lovers who are all traveling to enjoy the winter Olympic and Paralympic Games are comes under this category of travelers.These are the different types segregated according to the purpose and the identity of the travelers.
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<item>
<title>Paying for Health Care – Health</title>
<link>https://kouhdms.info/paying-for-health-care-health,html</link>
<comments>https://kouhdms.info/paying-for-health-care-health,html#comments</comments>
<pubDate>Fri, 24 Feb 2023 10:27:39 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[Health Care]]></category>
<guid isPermaLink="false">http://kouhdms.info/?p=59</guid>
<description><![CDATA[The cost of health care in the United States is expensive and is escalating. A majority of Americans cannot afford the cost of medicines, physicians’ fees, or hospitalization without some form of health insurance. Health insurance is a contract between an insurance company and an individual or group for the payment of medical care costs. [...]]]></description>
<content:encoded><![CDATA[ The cost of health care in the United States is expensive and is escalating. A majority of Americans cannot afford the cost of medicines, physicians’ fees, or hospitalization without some form of health insurance. Health insurance is a contract between an insurance company and an individual or group for the payment of medical care costs. After the individual or group pays a premium to an insurance company, the insurance company pays for part or all of the medical costs depending on the type of insurance and benefits provided. The type of insurance policy purchased greatly influences where you go for health care, who provides the health care, and what medical procedures can be performed. The three basic health insurance plans include a private, fee-for-service plan; a prepaid group plan; and a government-financed public plan.Private Fee-For-Service Insurance PlanUntil recently, private, fee-for-service insurance was the principal form of health insurance coverage. In this plan an individual pays a monthly premium, usually through an employer, which ensures health care on a fee-far-service basis. On incurring medical costs, the patient files a claim to have a portion of these costs paid by the insurance company. There is usually a deductible, an amount paid by the patient before being eligible for benefits from the insurance company. For example, if your expenses are $1000, you may have to pay $200 before the insurance company will pay the other $800. Usually the lower the deductible, the higher the premiums will be. After the deductible is met the insurance provider pays a percentage of the remaining balance.Typically there are fixed indemnity benefits, specified amounts that are paid for particular procedures. If your policy pays $500 for a tonsilectomy and the actual cost was $1000, you owe the health care provider $500. There are often exclusions, certain services that are not covered by the policy. Common examples include elective surgery, dental care, vision care, and coverage for preexisting illnesses and injuries. Some insurance plans provide options for adding dental and vision care. Other common options include life insurance, which pays a death benefit, and disability insurance, which pays for income lost because of the inability to work as a result of an illness or injury. The more options added to the insurance plan, the more expensive the insurance will be.One strategy insurance companies are using to lower insurance premiums and out-of-pocket costs to the consumer is the formation of preferred providers organization (PPO). A PPO is a group of private practitioners who sell their services at reduced rates to insurance companies. When a patient chooses a provider that is in that company’s PPO, the insurance company pays a higher percentage of the fee. When a non-PPO provider is used, a much lower portion of the fee is paid.A major advantage of a fee-for-service plan is that the patient has options in selecting health-care providers. Several disadvantages are that patients may not routinely receive comprehensive, preventive health care; health-care costs to the patient may be high if unexpected illnesses or injuries occur; and it may place heavy demands on time in keeping track of medical records, invoices, and insurance reimbursement forms.Prepaid Group InsuranceIn prepaid group insurance, health care is provided by a group of physicians organized into a health maintenance organization (HMO). HMOs are managed health-care plans that provide a full range of medical services for a prepaid amount of money. For a fixed monthly fee, usually paid through pay roll deductions by an employer, and often a small deductible, enrollees receive care from physicians, specialists, allied health professionals, and educators who are hired or contractually retained by the HMO. HMOs provide an advantage in that they provide comprehensive care including preventive care at a lower cost than private insurance over a long period of coverage. One drawback is that patients are limited in their choice of providers to those who belong to an HMO.Government InsuranceIn a government insurance plan the government at the federal, state, or local level pays for the health-care costs of elgible participants. Two prominent examples of this plan are Medicare and Medicaid. Medicare is financed by social security taxes and is designed to provide health care for individuals 65 years of age and older, the blind, the severely disabled, and those requiring certain treatments such as kidney dialysis. Medicaid is subsidized by federal and state taxes. It provides limited health care, generally for individuals who are eligible for benefits and assistance from two programs: Aid to Families with Dependent Children and Supplementary Security Income.
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<title>Major Things Expected From An Overseas Education Consultancy</title>
<link>https://kouhdms.info/major-things-expected-from-an-overseas-education-consultancy,html</link>
<comments>https://kouhdms.info/major-things-expected-from-an-overseas-education-consultancy,html#comments</comments>
<pubDate>Fri, 24 Feb 2023 07:38:26 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[Education]]></category>
<guid isPermaLink="false">http://kouhdms.info/?p=57</guid>
<description><![CDATA[Education is one thing that is worth investing at any point of your life. The value of a good education is too precious and you will never regret for spending your time and money for education. Majority of us focuses more at getting better education and make our life more solid and secure. If you [...]]]></description>
<content:encoded><![CDATA[ Education is one thing that is worth investing at any point of your life. The value of a good education is too precious and you will never regret for spending your time and money for education. Majority of us focuses more at getting better education and make our life more solid and secure. If you have got the proper education and talents they you are bound to succeed in any part of this world and this is what makes education more important in ones’ life.A lot of students are forced to go to different places in search of better education as most of the countries are not having quality higher educational institutions. The lack of quality education in a country forces the students to go for abroad education and there are a lot of countries which offers better education system in different branches. Depending upon the various educational branches, students opt for different countries for pursuing their higher education.A student always faces the difficulty of choosing the right country for his or her higher education. This is mainly due to the reason that there are a large number of countries offering higher education in different areas and each of them has different properties and advantages. This makes utter confusion to the students and they will find it really hard to select the best country and university for his or her higher studies.This is an area where an overseas education consultancy can make its mark and provide the students with ample help and support in identifying the best place for higher education. A well reputed educational consultant can really seize the opportunity and come up with helping hands for the students. Being a reputed and reliable overseas education consultant is not an easy task and it requires years of hard work and dedication which helps in creating a branding abroad education consultant.Here I will like to discuss about some of the major things that we expect from an overseas education consultancy.1) Reputation2) Reliability3) Trust4) Good Hospitality5) Good Staff Behaviour6) Exceptional Office Etiquette7) Great Assistance8) Good Follow up and Updates9) Open Minded10) Good Response SpeedThese are just some of the major things that we expect from a education consultant and these things form the backbone of any education consultant. If any of the above things are missing, then we might not wish to continue with the education advisor and hence it is important for the consultancy to make sure that these things are followed. Since the case is of abroad education, students usually has to invest a good amount of money and they will do everything to make sure that they are investing their money in the right place.If you are looking for an overseas education consultancy, make sure that atleast 7 of the above mentioned points are met and once you see that these points are met, then you can confidently carry on with your process of overseas higher education.
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<title>Personal Loans : Best Answer To Financial Needs When Facing Multiple Choices</title>
<link>https://kouhdms.info/personal-loans-best-answer-to-financial-needs-when-facing-multiple-choices,html</link>
<comments>https://kouhdms.info/personal-loans-best-answer-to-financial-needs-when-facing-multiple-choices,html#comments</comments>
<pubDate>Fri, 24 Feb 2023 06:18:07 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[Loans]]></category>
<guid isPermaLink="false">http://kouhdms.info/?p=55</guid>
<description><![CDATA[A car, home, holiday to favourite destination – who doesn’t want all that! Few years back it was not so easy to plan all that especially if you did not have the necessary funds. Now it is! Personal loans are making possible for everyone to borrow money for any kind of requirement. Personal loans literally [...]]]></description>
<content:encoded><![CDATA[ A car, home, holiday to favourite destination – who doesn’t want all that! Few years back it was not so easy to plan all that especially if you did not have the necessary funds. Now it is! Personal loans are making possible for everyone to borrow money for any kind of requirement. Personal loans literally mould themselves to reconcile with the financial needs of any borrower. “Personal loans” is the generic term for loans. Personal loans are in fact a lump sum which is borrowed from a bank or building society or any other lender. Good personal loans are a rare breed. Like all better things in life it comes with tact, patience and consistent effort.Personal loans market is huge and so competitive that everyone can now avail customized personal loans. Personal loans are considered to be both secured and unsecured; however, few lenders translate personal loans as unsecured loans. Major characteristic of unsecured personal loan is no collateral. This ensures that tenants also have an opportunity to apply for loans. However, lack of security or collateral with unsecured personal loans is interpreted as high interest rates in loan borrowing terms. This makes secured personal loans a much viable option for secured loans have comparatively low interest rate. Low interest rates for secured personal loans are due to the fact that a security is being offered for their approval.According to the convenience and requisites of the borrower, he can apply for either of the personal loans. Personal loans that are secured are available for amounts of the likes of £5000-£75,000. The amount offered as personal loans is dependent on the collateral offered. Loan term for personal loans extends from 1-25 years. Unsecured personal loans are provided for amounts ranging from £5000-£25,000 with loan term of 5-10 years. With personal loans that are unsecured the approval time is lesser for no collateral is required to be reviewed.Uses of personal loans in UK are endless. Personal loans can be put to any use and there is no restriction by the lender as to how you would use personal loans. Most commonly personal loans are used for car purchase, home improvement, vacation, wedding etc. Debt consolidation is another way to use personal loans for constructive purposes. Debt consolidation consolidates high interest rate debts into single low interest consolidated loan. Personal loans are much cheaper than other alternatives like credit cards, overdraft etc.Eligibility criteria for personal loans is usually reliant on credit score. Anyone who has ever indulged in loan borrowing has a credit score on how he or she has performed earlier. Credit score is a three digit number with which the creditor decides whether to extend you loan or not. Before applying for personal loans, check your latest credit score. Credit score ranges from 300-850. Credit score lower than 580 is considered to be having credit problems. However, credit score below 550 will be interpreted as bad credit by personal loans lenders.Bad credit score, though considered a liability does not prevent anyone from getting approved for personal loans. Personal loans for bad credit are offered to people with any kind of bad credit problems. Late payments, arrears, defaults, bankrupts, foreclosures etc. are given prompt response when applying for personal loans. Personal loans for bad credit not only provide the finances when needed but give an opportunity to improve credit. This certainly has long term benefits for those who have bad credit.Different personal loans lenders have different criteria. Therefore, different lenders will offer different terms and conditions for personal loans. Borrowers have all the choices for personal loans. Take your time and compare loans in UK. Comparing loans gives you the ability to make better choice. Comparing loans is not that difficult and requires some simple calculations. Many personal loans sites have the provision to compare loans.All this advice comes in handy after you have paid heed to the first basic rule of loan borrowing. While borrowing any kind of personal loans, just think over the fact – is it absolutely necessary to borrow personal loans. Take personal loans only if it is affordable. Eventually personal loans would be required to be paid back. Finances are always tightening their control over us. We are constantly in the struggle to build up funds to provide for something or the other. There are answers around the world for your financial need. However, the one that best suits them is personal loans.
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<title>Secured Loans – How to Get Quickly Accepted For a Secured Loan and Get a Better Rate</title>
<link>https://kouhdms.info/secured-loans-how-to-get-quickly-accepted-for-a-secured-loan-and-get-a-better-rate,html</link>
<comments>https://kouhdms.info/secured-loans-how-to-get-quickly-accepted-for-a-secured-loan-and-get-a-better-rate,html#comments</comments>
<pubDate>Fri, 24 Feb 2023 04:35:49 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[Loans]]></category>
<guid isPermaLink="false">http://kouhdms.info/?p=53</guid>
<description><![CDATA[When a lender receives a secured loan application form he only has two areas on which to base his decision – you and the property. If he can put a tick in both of these boxes then you will get your loan at a good rate.However, it is possible to still get your loan if [...]]]></description>
<content:encoded><![CDATA[ When a lender receives a secured loan application form he only has two areas on which to base his decision – you and the property. If he can put a tick in both of these boxes then you will get your loan at a good rate.However, it is possible to still get your loan if either you or the property are not A1.This is one of the good things about secured loans, they allow you to obtain a loan when other sources of finance may not be available.Secured loans – YouUnfortunately, most things in this day and age are broken down and put into boxes and that includes you when you apply for a secured loan.Your boxes will be:o Your employment/ self employment
o How many outstanding loans you have 
o Your usable (free) monthly income 
o Your credit rating 
o How you have treated your current (and previous if less than 12/ 24 mths) mortgage companySecured loans – how to improve “you” in the eyes of the secured loan lenderMost applications for secured loans are made through a broker as most lenders do not like to gather all the information needed to process a secured loan. There is also a lot of overhead in this process which they prefer the broker to pay for.Secured loans – rule 1Make sure you find yourself a good secured loan broker. The secured loan lenders are not going to like me saying this but all brokers are not equal in the eyes of the lender. The better ones earn more money per application and get more secured loans paid out, as a percentage, than others.These both directly effect you as the more the lender pays the broker the less of a fee he will need to charge you and the other reason is that you are more likely to get you loan paid out (and at possibly a lower rate) by using a well established secured loan broker.Secured loans – rule 2Work with you broker – not against him. I know it is a pain to keep having to produce paperwork but the more you have, the less pain you will receive when your full loan application reaches the secured loan lender.Secured loans – rule 3Go through your available income with your broker and get him to explain how the lender, he is putting you with, is working out your available income calculation. You might find you get a better rate if you do a bit of debt consolidation.If you are self employed but have regular contractual work that you can prove goes back a few years, then you may be able to argue for a better rate. Self employed applicants for secured loans are usually penalised with the rate as they are considered a high risk.Secured loans – rule 4Your credit rating is nowhere near as important for secured loans as it is for personal loans (unsecured). However, it is still important if you want a good rate. Lenders of Secured loans (like most lenders) don’t like to see arrears on a credit report. A credit report will show the lender how you have paid your credit cards and loans over the last 12 months. It will also show any defaults or county court judgements.Most secured loan lenders will ignore one months arrears on most loans as this can be argued that it is just a late payment. When you start to get to two months or more then you need a good (preferably provable) explanation or your rate will start to go north.One thing secured loan lenders hate is current arrears when you apply to them for a secured loan. So, if you can, make sure your current commitments are up to date when you apply and this will keep your rate down.Secured loans – rule 5How you have paid your mortgage is sometimes more important than your credit report as the secured loans lenders see themselves as an extension of your mortgage and the best way they can see if you are going to pay them is to see how you have paid your current mortgage.So, if you can, make sure your mortgage is up to date when you apply and if you have had any arrears then you will need a good explanation to keep your rate down.To speed up you application you could get proof of your last 12 months payments from you mortgage lender and proof of the outstanding balance.Secured loans – your propertyYour property is the security that the secured loan lender has. If all goes wrong and you stop paying and communicating with the secured loan lender then eventually he will reposes your property (although he will not want to as it is creates another set of problems for them).So, putting the above cautionary note aside, you are putting up your property as security for the loan. You are only doing this because it benefits you and you probably fall into one of the following categories:o A lower rate than other unsecured loans offer
o A larger loan than is available through other financial sources 
o You want a loan but your employment is questionable or you are self employed 
o You have missed a few payments on some credit and the loan rates you are being offered from other sources are unpalatable 
o Your credit is poor and you need to put up security to get a loanIt only makes sense that if you are putting your property up as security for your secured loan then you may as well maximize its value and get a lower rate.The secured loan LTV (loan to value) is one of the major calculations that will effect the rate you are offered. It is simple to work out: you take your current outstanding mortgage, add to that the secured loan you are applying for and divide it by the current value of your property. The lower the percentage the better rate you should get.So, if you want a lower rate then maximizing the properties value is one of the best ways to go about it. It might take a little bit of time but you could be paying for the secured loan for anything from 5 years to 25 years so the extra bit of effort could save you a lot of money in the long term.Secured loans – property rule 1You will almost certainly have a valuer come round to have a look at your property towards the end of your secured loan application.Valuing property is not a science but an opinion and in this case the the persons whose opinion counts is the valuers that you have coming round. You don’t know if he has spent most of the day sitting in a traffic jam, had an argument with his children or forgotten his anniversary and what is more you can’t do a thing about it.What you can do is be friendly and offer him a cup of coffee and make sure you have allocated time for him. Go round the property and point out any improvements you have made and are going to make.Valuers like to be told that the property is going to be improved as it lessens their risk of getting sued by the secured loan lender in case they value the property wrongly.Secured loans – property rule 2Before the valuer gets to your property make sure it is looking its best. A small bit of effort will add thousands to your valuation if the property looks well kept rather than run down.First impressions count so make sure the front and entrance hall is spotless, try and put any junk away to make the rooms look bigger and also try to finish those jobs that were half started and never quite completed.Secured loans – property rule 3As previously stated, the property value is an opinion so you need to make sure that the valuers opinion is the correct one. All valuers will contact local estate agents to see what is selling in the market near your property.It would be to your benefit if you contacted the estate agents and got comparable properties that are on the market and recent sales. You can then decide which of your collection you wish to give the valuer (or you can send them on to your broker but this is not quite as good as giving them to the valuer).Human nature being what it is, your comparables will probably end up in the valuers file and he will take these into account when valuing your property.
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<title>The Market is Excited, But Challenges Still Loom For Small Businesses</title>
<link>https://kouhdms.info/the-market-is-excited-but-challenges-still-loom-for-small-businesses,html</link>
<comments>https://kouhdms.info/the-market-is-excited-but-challenges-still-loom-for-small-businesses,html#comments</comments>
<pubDate>Thu, 23 Feb 2023 18:50:36 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[Small Business]]></category>
<guid isPermaLink="false">http://kouhdms.info/?p=50</guid>
<description><![CDATA[There is a disconnect between the market rally indicating the economy may soon recover and small businesses who continue to face a challenging environment. First, you must keep the market rally in historical perspective and you must interpret the market’s rally. The market rally has caused some excitement due to being one of the strongest [...]]]></description>
<content:encoded><![CDATA[ There is a disconnect between the market rally indicating the economy may soon recover and small businesses who continue to face a challenging environment. First, you must keep the market rally in historical perspective and you must interpret the market’s rally. The market rally has caused some excitement due to being one of the strongest market rallies in history. However the 50% rise between March and July 2009 should be compared to other historical benchmarks. According to Barron’s Market Week (August 3, 2009), in July 1997 the S&P ended at 954 and the S&P ended July 2009 at 987. The return during a 12 year period was only 3% (total return, almost no return on an annualized basis). Additionally, the July 2009 S&P level is well below the October 2007 all time high of around 1,580 (over 37% lower according to Yahoo! Finance). The current market rally is indicating that for large and publicly traded companies times are beginning to stabilize. Perhaps not improving, but less bad news is good news in the current environment. Smaller businesses, however, face more challenging times ahead.The financial lending institutions need to flow monies form Wall Street to Main Street. The credit markets are thawing and larger companies can once again qualify for loans. Qualifying for loans will allow the larger companies to calm their cash flow nerves. However, small businesses are facing increased scrutiny when applying for and renewing loans. Even with a high credit score and a large portion of collateral small business owners are having loans not being accepted or renewed. If the loan is not renewed the small business may not be able to raise equity and to take advantage of their local market conditions. Then loans are not renewed, small business owners are forced into repayment. A lot of small businesses and small business owners do not have the assets to repay the called loans. The cash outflow to repay the loan (if available) can potentially lead to a financial hardship for the small business by crushing liquidity, working capital needs and accelerate the cash burn rate. All of which make it more difficult to qualify for a loan from other lenders. These obstacles place more pressure on small businesses (even in a recovery). In additional small businesses will be forced into tougher lending standards which could potentially increase the number of small business failures at the same time the economy recovers for larger companies. Understanding this situation is important for small business owner because they can (immediately) begin to review their operations and focus attention on their financial position in order to take steps to strengthen their overall position before they request a loan or apply for a loan renewal from a financial institution.Second, financial lending institutions currently are trying to figure out the new lending standards. The new standards are tougher than small business owners want them to be. Small businesses enjoyed the NINJA times (No Income No Job or Assets – no problem). Now small businesses feel they are being hassled at the time of the renewal since they have to provide accurate financial information and they understand the renewal is no longer guaranteed. The small business’s “hassle” is the increase of time involved and higher financing costs, including hiring a Certified Public Accountant (CPA) to issue financial statements and attend loan workout meetings. Financial lending institutions, however, have been faced with higher loan failures and are currently finding out the personal guarantees they had signed by the small business owners are semi-worthless. The small business owner protected themselves by transferring all of there assets to their spouse who did not sign the personal guarantee. This leaves the bank with a bad loan and a worthless personal guarantee. Banks may have both spouses sign the personal guarantee in the future for more protection. A troubling sign is a lot of small businesses and owners are not well capitalized (i.e. they do not have many assets, but do have debts and a good life style). As larger companies have built assets over time and made drastic cost cuts and lay offs of the work forces smaller companies have minimal assets and minimal liquidity and did not cut costs and work forces as quickly or dramatically as larger businesses.Wall Street and the U.S. Government are lending to and bailing out Wall Street Companies, but Wall Street and the U.S. Government is not lending to or bailing out Main Street Companies. As larger companies are beginning to receive financing from financial institutions and bail out monies form the U.S. Government; small business lenders, such as CIT, have received little or no attention from Uncle Sam. CIT is one of the more important lending institutions for small businesses (The CIT Threat By Donna Childs). Small business lenders and regions banks seem to be hurting the most out of all of the financial institutions at the moment. In order for these institutions to lend monies to small businesses in the future they will have to increase their lending standards. For Main Street companies to qualify for loans in the future small businesses need to make major adjustments to their business model including building assets and overall strengthening the financial position of the business and owner (just as their larger counterparts have done).Third, the economy is still in recession and growth will not be the glory days of the past. David Rosenberg, chief economist at Gluskin Sheff, stated “What matters is the contour of the recovery” (The Best Five-Month Run Since 1938 By Kopin Tan and Andrew Bary) meaning that the economy still has a long way to improve. The markets might have “improved” 50% between March and July 2009, however the business environment has not improved or not improved that considerably. Continued pressure on the economic recovery and growth over the next several years includes unemployment around 10% and increasing, the US savings rate has increased over the past 12 months, corporate America continues to de-leverage and the U.S. Government is too involved in private markets.Unemployment of 10% and rising as well as an increase in the US savings rate places pressure on consumer spending due to uncertainty of future employment and income. Consumer spending at the local level directly affects small business performance. A reduction of consumer spending pressures the survival of small businesses. According to “The Recession is Over Now What We Need Is A New Kind Of Recovery” by Daniel Gross (Newsweek August 3, 2009) 5 million jobs are anticipated to be created by 2011, however the economy has lost 6.5 million jobs since December 2007. Consumer spending due to uncertain employment over the next several years can financially pressure local small businesses. As corporate America continues to de-leverage itself it repays debt instead of making purchases and instead of increasing its workforce. The reduction of purchases does trickle down to small businesses and less procurement can affect small business revenues. The U.S. Government involvement in large corporations should be more troubling than the news reports. Our pride as a market based economy and being a Democracy has been turned into the U.S. being Socialist without any major opposition. Yes, we are Socialists since the government owns private enterprise. As taxpayers complain that the government cannot do anything right or efficient at least. Now we are using more of taxpayer resources for Wall Street companies and not Main Street companies will have significant effect on Main Street’s future. Mr. Gross states it costs the U.S. government $92,000 in government spending or $145,000 in government tax breaks to create one job. The average job in the U.S. pays less 1/3 to ½ than this amount. The jobs created will first affect larger businesses, with hope that it will trickle down to small business. At least Main Street will still have its pride (even if it is forced into bankruptcy). Small businesses must be aware of this environment and understand the recovery has many challenges over the next several years to come.In conclusion, small businesses have several challenges in the years ahead. Immediate action is necessary to continue to evolve their business model and strengthen their financial position. Business owners should expect to sacrifice more and potentially raise equity (diluting their ownership) in order to survive the rest of the recession and to try to stay alive through the recovery. Small businesses should continue to stay vigilant during the potential economic recovery in order to continue operations.
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<title>Crypto Currency Vs Fiat Currency</title>
<link>https://kouhdms.info/crypto-currency-vs-fiat-currency,html</link>
<comments>https://kouhdms.info/crypto-currency-vs-fiat-currency,html#comments</comments>
<pubDate>Mon, 12 Sep 2022 10:40:25 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[cash]]></category>
<category><![CDATA[Crypto currency]]></category>
<category><![CDATA[currency]]></category>
<guid isPermaLink="false">http://kouhdms.info/?p=48</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 and distinct in their own ways. There is always one group that favors the use [...]]]></description>
<content:encoded><![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 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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