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How does blockchain technology transform the banking/financial sector?


Blockchain and banking sector are interlinked. Blockchain is a viable solution for the many challenges faced by financial institutions. It offers opportunities for growth and innovation.
Read the following article to know how blockchain technology will transform the banking sector:
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Một số điều cần lưu ý khi có nhu cầu vay tiền gấp
Giả dụ bạn đang vướng mắc với một khoản tiền phát sinh, bị cắt giảm lương hoặc bắt buộc thêm tiền để đầu tư hoặc đáp ứng cho nhu cầu khác, chắc chắn ‘vay tiền’ chủ yếu là một trong những lựa chọn mà các bạn nên để ý. Giả định khả năng cao bạn phải vay tiền nhằm giải quyết nhu cầu hoặc cần vay nóng 5 triệu, hãy cân nhắc thật kỹ vì có rất nhiều rủi nguồn vốn vay rất có thể xảy ra Xác định mục đích, nhu cầu vay tiền Nhằm xác định được thời hạn phù hợp nhằm đề xuất một khoản vay, các bạn cần nắm được chính xác nhu cầu cần vay tiền là gì, ứng dụng số tiền vay ra sao và đơn vị cho vay mà các bạn cần. Ngoài ra, tính vững mạnh vốn đầu tư cá nhân cũng là một trong các góc độ cần thiết khi bạn đi vay vốn & muốn có được lãi suất hấp dẫn nhờ tín dụng hoàn chỉnh. Dưới đây có khả năng là 1 trong những góc độ giúp quá trình vay tiền của các bạn dễ dàng hơn: Bạn sở hữu thu nhập vững bền hàng tháng Bạn có 1 kế hoạch quản lý tiêu xài và những khoản đầu cơ. Lãi suất trên thị trường phải chăng. Bạn có hồ sơ tín dụng đẹp Bạn có gia sản với giá & có thể thế chấp cho 1 khoản vay. Các nguồn mà bạn nên lựa chọn khi vay tiền Ngân hàng Nhà băng chắc hẳn là một trong các nguồn vay mà mọi người nghĩ đến trước hết khi có yêu cầu về tín dụng như vay tiền. Không chỉ mở account tiết kiệm và account thường ngày, các ngân hàng ngày nay đều cung cấp cho người tiêu dùng các khoản dịch vụ nguồn vốn như vay thế chấp, thẻ tín dụng,... Người thân và bạn bè Vay mượn từ những người quen biết có thể chẳng phải là sự lựa chọn đầu tiên của bạn, Nhưng giả dụ mang một lịch sử nguồn vốn vay không quá hoàn thiện hoặc không mang lịch sử tín dụng, việc vay tiền từ bạn bè, người thân có thể là giải pháp duy nhất. Với người nhà hoặc bạn bè, các bạn rất có thể bàn về lãi suất hoặc thời hạn vay tốt, nhưng việc này rất có thể sẽ gây tác động xấu đến mối quan hệ cá nhân ví như khoản nợ của bạn gặp sự cố, trục trặc nào đó. Vay tiền online Các app vay tiền trực tuyến đang trở nên hết sức phổ biến tại nước ta bởi vì tác động của thời kỳ chuyển đổi số trong ngành tài chính – tín dụng & ngân hàng. Nhờ vào sự ứng dụng công nghệ kỹ thuật trong việc xét phê chuẩn và xử lý giấy tờ mà những dịch vụ vay tiền online sở hữu thời gian tính từ lúc mọi người tham gia vay đến đến khi được giải ngân là mau lẹ hơn hẳn đối với các tổ chức tài chính truyền thống như ngân hàng. VAY NHANH ONLINE 170/59 Vườn Lài, Tân Phú, Hồ Chí Minh Điện thoại: 0969 269 346 Email: lienhe.vaynhanhonline@gmail.com Website: vaynhanhonline.com.vn
ICON Network: An Overview
What Is ICON? ➤ #1 Blockchain project in Korea with an expanding global footprint ➤ Open source platform building a community of communities based on consensus, governance and protocol specifications ➤ BTP(chain interoperability), parallel processing, multichannel and modular architecture creating a highly scalable network able to interconnect private and public chains. ICON Benefits ➤ Various blockchain platforms are able to interact via smart contracts. ➤ No need to make multiple wallets. ➤ No need to buy multiple tokens: Owning just ICX gives access to all interconnected chains. ➤ Ease of dApp accessibility: frictionless dApp usage across multiple chains. ➤ DPoC: (Delegated Proof of Contribution) variant of PoS based on contributions. ICONSENSUS P-Reps: A Public Representative (P-Rep) is a block validator on the ICON Network that participates in consensus and governance. ➤ P-Reps consist of the top 22 Main P-Reps and 78 Sub P-Reps,. ➤ P-Reps are elected by delegation of stake. 1 ICX token is worth one vote. ➤ For delegating and voting for P-Reps, ICONists (ICX token holders) receive rewards. ➤ I-SCORE: All contributions are quantified in the form of I-SCORE that can be converted 1ICX to 1000 I-SCORE to redeem rewards. DBP (DApp Booster Program) DApps on the network receive a portion of block rewards based on their delegation ranking. EEP (Ecosystem Expansion Program) Community members receive a portion of the block rewards by proposing and implementing projects that expand or grow the network. Fee Sharing 2.0 Developers can choose to pay for transaction fees themselves so users may access their dApps easily. Virtual Step Virtual fee that credits developers transaction fees for locking up their ICX. ICX: ICON’s unique native token ➤ Provides governance rights to the network ➤ Used for computation, transaction fees and rewards ICON’s Unique Reward System Dynamic reward system that autonomously adjusts based on varying network conditions: ➤ When high % of network is staked, then reward is decreased to encourage using ICX elsewhere. ➤ When low % of network is staked, then reward is increased to encourage staking more ICX. Select Blockchain Products On ICON Network somesing.io The world's first Karaoke app on a blockchain. DPASS Global authentication system with sovereign identity. A Decentralized Passport/DID, and cryptocurrency wallet, all in one. broof.io Blockchain certificate issuance service. Permanent record of genuine certificates. Facilitates blockchain adoption with secured partners including, Seoul City, Citizen Hall, Postech and Studypie. ICON Ecosystem ICONLOOP MyID Alliance ICON Strategic Partner - ICON DAO P-Rep candidate and ICON strategic partner committed to providing the tools and services needed for users to develop and manage decentralized communities to mass collaborate and fund projects. ICON DAO Medium ICON DAO Twitter ICON DAO Telegram Resources Homepage: https://icon.foundation Community: https://icon.community Developer Center: https://icondev.io Github: https://github.com/icon-project Medium: https://medium.com/helloiconworld Works Cited ▸ Dr. Ben Lee, "Economic Incentives of ICON Network", Hashnet 2019 Blockchain Conference, October 2019. ▸ "ICON Network Partnerships" Retrieved from: "https://spec-rationality.com/icon/#21Nov" ▸ Amy Dang, November 5, 2019, "A Comprehensive look at ICONLOOP's MyID Alliance" Retrieved from: "https://theicon.ist/2019/11/05/a-comprehensive-look-at-iconloops-myid-alliance-its-partners-advisors-and-upcoming-roadmap/"
NFT là gì? Cơn sốt mới trong thế giới tiền điện tử
NFT là viết tắt của cụm từ NON FUNGIBLE TOKEN – Nghĩa là Token không thể thay thế. Đây là một loại token mã hóa trên blockchain đại diện cho một tài sản duy nhất.  Nó có thể là một tài sản kỹ thuật số hoặc là một phiên bản của tài sản trong thế giới thực được Token hoá. Vì các NFT là độc nhất và không thể thay thế nên chúng có thể hoạt động như một bằng chứng về tính xác thực và quyền sở hữu trong lĩnh vực kỹ thuật số. Giống như các token trên blockchain khác, NFT cũng sẽ tồn tại trên một địa chỉ. Đáng chú ý là NFT không thể copy hoặc transfer (gửi) mà không có sự cho phép của chủ sở hữu, ngay cả bên phát hành NFT. Để dễ hiểu hơn, ta so sánh giữa Fungible Asset (tài sản có thể thay thế) và Non Fungible Asset (tài sản không thể thay thế). Fungible Asset (tài sản có thể thay thế) là tiền, vàng, bất động sản… Fungible Token (Token có thể thay thế) ví dụ như bitcoin, eth, bnb,… Non-Fungible Asset (tài sản không thể thay thế) ví dụ như bức tranh La Gioconda của Leonardo da Vinci là một bức tranh quý hiếm vì mang tính độc nhất. Các Non-Fungible Asset có thể là tranh vẽ, các đồ vật sưu tập quý hiếm,…  Tương tự, NFT chính là các Token hay Tài sản số độc nhất không thể thay thế, cho dù chúng cùng được xây dựng trên 1 blockchain. Đọc thêm tại: https://www.gaiaonline.com/forum/international/liquidity-mining/t.109929201/ https://liquiditymining.blog/nft-la-gi/ #liquiditymining, #liquidityminingblog, #cryptocurrency, #defi, #yeildfarming
How is cryptocurrency exchange done?
Each cryptocurrency exchanger works according to the following principle - two accounts are involved in the exchange: the contractor and the customer. The customer transfers a certain amount in one currency to the account of the contractor, after which the contractor transfers the converted equivalent in another currency to the customer's account. The main tasks of the owners of modern exchangers are high speed, security of exchange operations and the most simplified use of their services by clients. If the exchange of currencies requires a large number of steps in a strict sequence, no one will use such a service. Therefore, most exchangers allow you to deposit / withdraw cryptocurrency in just a few clicks. To create an account and transactions on a cryptocurrency exchange, mandatory registration is required. It is not necessary to register on the sites of exchangers, it is enough to indicate some data about yourself when exchanging (e-mail, in some cases you will need a phone number and full name). Registration on the exchanger's website still provides a number of advantages - participation in the loyalty program (all exchanges are summed up and bonuses are provided), the referral system (if any). The exchange procedure itself is the same on all exchangers. Let's look at xmr to btc calculator as an example: On the exchanger's website, select the exchange directions (xmr to btc). The amount to be given is entered in the "give" field - in the "receive" field we can immediately see the amount that will be transferred in the selected currency to the account following the exchange results; The exchange can be done anonymously, so a lot of data is not required.
Tips on How To Qualify for a Home Purchase
Buying your first home is an exciting step in life. While you might feel a sense of exhilaration over the decision, you also need to exercise caution throughout the process. Rushing into the decision can leave you unprepared and reduce the odds of you getting the home of your dreams. One of the biggest obstacles before you is qualifying for the purchase of a specific residence. To increase the chances of qualifying, you need to take a step back and assess a few key factors related to the process. From keeping all of your records straight to setting funds aside for the down payment, there are a few major areas to pay attention to as you plan to buy your first home. Look over these tips and see how to best prepare for this major life decision. Save in Advance  Perhaps the best bit of advice you can receive about buying a home is to start saving as early as you possibly can. A home is an expensive purchase, meaning you likely won’t be able to pay for the investment out of pocket. Most people take out a mortgage in order to cover the gaps in their finances and spread payments out over the period of many years. Naturally, qualifying for a mortgage is a lot easier when you don’t need to borrow the total value of the property. This is why you need to consider the down payment. The more money you have set aside for a down payment, the less you will have to put forward in monthly mortgage payments. Some experts suggest having around 20% of the total value of the home available for a down payment. Still, you will find that putting down even more than this can help you immensely when it comes to qualifying for and paying off the mortgage.  Know What’s Expected  A lender is going to look at a few different factors when it comes to determining your eligibility. For one, your credit score is going to play a huge part in whether or not you are approved. If you have a poor credit rating, then you absolutely want to take whatever steps you can to improve the score before you submit an application for a mortgage. The better your score, the more likely it is you will be approved. What’s more, having a good score helps you receive the best terms and rates on your loan. Beyond your credit score, lenders also will need to see proof of income. In order to ensure you will be able to commit to the responsibility of making consistent monthly payments, lenders want to understand how much money you make on average. Typically, this is easy to provide. In cases where you are your own business owner or are a contractor without traditional pay stubs, you may be required to produce additional paperwork related to your finances.  Compare and Review You may also want to look at more than one option when it comes to lenders. Just as with any other service, you want to shop around and find the right business to help you with your goals. Going to the first bank you see and submitting an application is likely not going to help you find the exact loan for your needs. Instead, read consumer reviews and research the rates offered by each option. The more you know about the lenders in advance, the easier it will be for you to pick an establishment that accurately reflects your needs. Final Thoughts There are a ton of questions and concerns that are going to appear as you move through the process of buying a home. Instead of going it alone, you might find it more advantageous to work with an agent. A realtor can assist you with finding a home and hooking you up with a lender that fits your specific financial situation. Having a professional in your corner has a way of making the whole journey a lot easier. Qualifying for a home purchase can often be an involved process. Review the steps you will need to take in advance and put yourself in the best position to start this next chapter of your life.
Why Companies need Software to Create documents for Example Invoice for Business Growth?
Ventures constantly operate in a dynamic world where they will often make progress in planning their industry to thrive. Colossal customer base scheduling, coupled with standard billing to maintain manageable packages, are two of the main obstacles they encounter daily. How do you deal with this problem? Look no more as we offer you the foremost appropriate arrangement for your challenges, customized endeavor charging software for documents example invoice Here may be a list of few needs out of thousands that tell us why we all need a customized charging program for our companies: To have a specific invoice: Customer service is an important part of the development of a company. When activities continue to appeal to a broad customer base, they are also faced with the difficulty of promoting their sales method and complementing the quality of their company approval levels. We should be sent regular demands against the administrations for the sake of ensuring the ease of their correspondence. Such invoices are often not tailored to the requirements that contribute to complacency and make the entire communication unable. Separated from solicitations they moreover need to oversee and track their costs in arrange to strategize capably for their trade and see towards creating their built-up trade verticals. Automatic system for payments: Payments are the essential bloodstream for any trade sort. It is a necessary part of any venture which needs to be overseen prudently to preserve sound cash stream. Testing the increments is important in this way. Enterprises collect their payments from customers, many of whom are routine accounts that have to be paid intermittently. They had to supervise their customers efficiently and monitor their pending installments as well. Record keeping plays a major role here because late payments prevent capital from moving to a serious cash source. Full correspondence B2B: As in all exchanges, retaining a sense of consistency goes a long way in the development of more rooted bonds. In fact, undertakings have had to keep a clear record of their records, their projected files, their inventories, and much more in order to be clear regarding their current situation and to ensure that they have an overview of their finances. Account management is an important approach for an organization as they have been able to keep track of their purchase orders, supply, and expenses for legal software to make records, such as example invoice. Conclusion The ventures require a custom charging program that can keep the pace of commerce. The productivity of any account depends on the transaction. The key calculate for the income development in undertakings incorporates unused mechanical propels with imaginative arrangements to pick up the in general competitive advantage. Here we come in one of the finest endeavors charging computer programs accessible within the advertisement. With the involvement of 16+ a long time and an ever-growing client base of 3 million clients around the world. Invoice Office is broadly acknowledged for its highlights and client administrations.
Bitcoin atm Location in Dubai territory
Bitcoin is a decentralized automated money that is being traded from one side of the planet to the next and is the most growing industry nowadays. In Dubai, investors are being pulled in to bitcoin trading and are investing a gigantic proportion of money in bitcoin. Bitcoin doesn't yet get real as a strategy for installment in Dubai yet one can trade it with no issue. There are such innumerable strategies for trade where the sellers can trade bitcoin with no issue. Some of them are shared business places, Bitcoin ATMs, and online exchange stages. How to buy bitcoin in Dubai? Buying bitcoin in Dubai is basic and clear. You can buy bitcoin from some other individual through a cash store in his financial equilibrium. You can moreover buy bitcoin from bitcoin atm situated in Dubai and online exchanger stages. The most accommodating way to deal with buy bitcoin in Dubai is Bitcoin ATM. Buyers need no document other than cash to buy bitcoin. The customers need the Emirates Id or recognizable proof to sell bitcoin later on. What money do they use in Dubai? In Dubai, the money being used as a procedure for installment is their position cash known as the dirham. You can buy everything with dirhams even bitcoin through bitcoin ATMs or online exchanges. You can sell and send bitcoins instantly in dirhams in Dubai at exchanges. Buying Bitcoin in the UAE is basic, anyway what is significant a ton is the shipper or exchange stage you select for. Most importantly, open an individual record at an advanced cash exchange. You ought to moreover get a crypto wallet to store your bitcoins from being lost or hacked. Bitcoin is dominant in the cryptographic currency market as the best computerized cash because of its reputation in the world, liquidity, and affirmation as installment with a growing summary of specialists. Bitcoin ATMs are moreover called bitcoin vending machines. So buy bitcoin from BTC vending machines adequately and instantly to acquire advantage. How to Withdraw Money from ATMs in Dubai? Atms are providing the assistance to buy and sell bitcoins in Dubai and there are a couple of ATMs that are simply to buy and sell bitcoin. You can without a doubt pull out cash from ATMs in Dubai and the technique to be gotten is: Picks the 'bitcoin Withdrawal' menu on the ATM screen. Pick your language. Enter your bitcoin address. If you are a non-Emirates NBD customer, insert your Emirates ID. Enter the proportion of bitcoin you need to pull out or exchange. Enter your PIN-code which is delivered off your flexible number to finish a trade.
Things That Help An Auto Insurance Company To Calculate Risk
Insurance is all about sharing risk. It is a kind of security that is based on cooperation. Sharing the risk of an event such as an accident or catastrophe, among a group of people, insurance offers a low-cost-approach to provide financial security against unforeseen and, most often, financially distressing events. However, an insurance policy is a promise or a contract between you and the insurance company. The contract specifies that if you suffer a significant loss of your car, property or business, the insurance company will cover that loss which depends upon the contract terms. For an insurance company to take responsibility for such a loss, policyholders will have to pay a fee, named as premium. Purchasing auto insurance can be a bit complicated for both parties. Being a customer, you need to research what different insurance companies are going to offer, compare pricing that fits your budget ensuring that your all needs are being covered with the correct insurance cover. Auto Insurance Companies have to assess you as a client, evaluate how much risk you represent to them, and figure out how to negotiate this risk that is reasonably attractive to you. Below you’ll look how insurers calculate risk to determine a range you’ll pay for your auto insurance. Factors that Auto Insurance Companies Use to Estimate Risk Given below are some important factors, that insurance providers use to calculate your as a policyholder: Your Driving Record: The very first factor that most insurers use, is your driving record and your previous accident history. If you’re a driver who is often susceptible to accidents and caused some expensive accidents, you will have to pay a bit more for your car insurance compared to the one with a clean driving record. Accidents can be greatly expensive for auto insurance companies, particularly those that cause significant injuries or property damage. If you are having a clean driving license, try to keep it as it will help you to save a lot of money over your time as an auto insurance client. Your Commute: How far you live away from your workplace is a major indicator of risk. A longer distance away from your residence will be a reason that you are driving more per day. Many Auto Insurance Companies have separate policies for the individuals living 10, 20 or more miles away from their workplace as it adds more chances of risk. Be true to tell the exact distance you daily cover to your insurer while purchasing an insurance policy. If you end up with an accident that is outside of the range, then the insurance company won’t provide you the privilege. Your Car: The vehicle you’re ensuring is another major factor that auto insurance companies will determine the risk involved with providing you insurance. For instance, an individual who is driving with the family is driving more carefully than the one who is registering a sports car.
Tips to secure your IOT based development solutions and services
The COVID-19 pandemic and 2020 lockdown put all analyst predictions into confusion, but as the economy begins to recover, IT consumption is predicted to pick up again, including the rise of the Internet of Things(IoT). The Internet of Things is not a single category, but rather a set of sectors and use cases. According to Research healthcare, smart offices, location systems, remote asset management, and emerging networking technology would boost IoT market growth in 2021. The Internet of Things (IoT) has a lot of advantages and risks. Supporters of technology and manufacturers of IoT devices promote the IoT services as an effort to better and simplify our everyday life by connecting billions of “smart” IoT devices  (such as Smart TVs, Smart Refrigerators, Smart Air-Conditioners, Smart Cameras, Smart Doorbells, Smart Police Surveillance & Traffic Systems, Smart Health & Performance Tracking Wearable, etc.) to the Internet. However, because of consumer privacy and data security issues with IoT Devices, IT Security Professionals believe it is unsafe and too dangerous. Secure Connection People benefit from stable cloud technology in a variety of ways, from encryption to other solutions. Other options are: Improving the security of your Internet gateway Before a device boots up, it performs a stable boot, which is a software device check. Keeping the cloud-based provider’s solutions up to date on a regular basis. To protect your private browsing data from possible attacks, use a protected VPN link. Building a Secure Network Access Control should be activated on your network so that only approved devices can connect. You should take the following steps: Build a firewall. Secure your authentication keys. Install the most up-to-date antivirus software to keep your network safe and secure. Here are some IoT security solutions for the most common IoT security issues: Secure the IoT Network To protect and secure the network linking computers to back-end networks on the internet, use standard endpoint security features such as antivirus, intrusion prevention, and control mechanisms. Authenticate the IoT Devices Introduce various user management features for a single IoT device and introduce secure authentication protocols such as two-factor authentication, digital signatures, and biometrics to enable users to authenticate IoT devices. Use IoT Data Encryption Encrypt data at rest and in transit from IoT devices and back-end networks using standard cryptographic algorithms and fully encrypted key lifecycle management procedures to enhance overall protection of user data and privacy and avoid IoT data breaches. Use IoT Security Analytics  Use IoT Security Analytics Tools that can detect IoT-specific threats and intrusions that standard network security solutions such as firewalls can’t detect. Use IoT API security methods Use IoT API Security methods to not only protect the privacy of data flow between IoT devices, back-end systems, and applications using recorded REST-based APIs, but also to ensure that only approved devices, developers, and apps communicate with APIs, as well as to identify possible threats and attacks against specific APIs. Test and IoT Hardware To ensure the security of IoT hardware, set up a robust testing process. This involves detailed testing of the range, power, and latency of the IoT system. Chip manufacturers for IoT devices must also improve processors for improved protection and lower power usage without rendering them too costly for consumers or too impractical to use in existing IoT devices, provided that the majority of IoT devices on the market today are inexpensive and disposable with minimal battery power. Develop Secured IoT Apps Given the immaturity of current IoT technology, IoT application developers must place an emphasis on the security aspect of their applications by integrating any of the above IoT security technologies. Before creating any IoT applications, developers must do complete research into the security of their applications and try to achieve the best possible compromise between the user interface and the security of their IoT software. Be Aware of the Most Recent IoT Security Threats and Breach Conclusion To ensure the security of the IoT devices and applications, the device makers and app developers must beware of the latest IoT security risk and breaches.  Since the Internet of Things is also a new concept, security flaws are likely to happen. As a result, all IoT device manufacturers and IoT app developers must be prepared for security risks and have a proper exit strategy to secure maximum data in case of a security attack or data breach  Finally, all IoT device manufacturers and IoT app developers must take action to inform their staff and customers about the current IoT risks, breaches, and security solutions. Visit IoT Development Company page if you have any concerns or would like more details about it.
What Does Employers' Liability Cover?
When an employee sustains work-related injuries or illness, they will always seek compensation from their employer or former employer.  Employers' liability insurance will protect the employer from suffering a financial loss from such claims. Employers' liability insurance is also known as Part 2 of the workers' compensation policy. It can come packaged with the workers' compensation policy to help protect the company against costs that may arise from workplace injuries, illnesses, and deaths. How Does Employers' Liability Work? Every employer needs to protect employees' health, whether they are a small team or an expansive workforce. If an employee gets injured in the line of duty, they could seek compensation. The same applies if they suffer an illness as a result of the job. The legal costs that may result from such claims can run into the tens of thousands, and if you, as the employer, do not have sufficient insurance in place, you could be liable. Employers liability insurance protects your company in the event of such cases. The policy covers any legal fee that your company may have to pay if you choose to defend your company in court, plus any compensation fees that may arise. For instance, if an employee injures themselves while at work by tripping over a running cable on the floor, they might pursue legal action. The employers' liability insurance will cover all the medical costs, loss of income, suffering, and any other damages determined by the court. The same will apply if an employee falls sick due to exposure to asbestos while at work. Which Employees Does Employers' Liability Cover? The policy covers all types of employees, including full-time and part-time workers. It will also cover independent contractors if you contract them to work at your company. The policy also covers students, volunteers, and temporary staff you may employ at your business. Who Needs Employers' Liability Insurance? The law requires all businesses to have an employers' liability insurance for all the people they may employ through written, spoken, or implied contracts. The law requires companies to take a minimum cover of £5 million. There is a fine of up to £2500 a day until you take the policy. Additionally, companies that do not display the employers' liability insurance certificate can be fined up to £1,000. You can check out some cheap employers' liability insurance policies here. How Much will the Employers' Liability Insurance Policy Cost? Several factors determine the cost of employers' liability cover, and the cost will vary from company to company. Some of the determining factors may include the number of employees at the company, claims experience, type of work at the company, and the business in general. Bottom-line Employers' liability insurance is a mandatory policy that every business should have. You can find ways to reduce your claims and reduce the cost of the policy altogether. You can train your employees to identify any risks, keep the company clean and ensure that health and safety measures are in place.
Keuntungan & Kerugian Investasi Cryptocurrency
Cryptocurrency adalah coin yang saat ini sedang melambung namanya, jual-beli cryptocurrency mulai banyak bermunculan di dunia maya, seperti bitcoin, ethereum, rippel dan lainnya. Harga yang fluktuatif membuat tingginya minat orang untuk melakukan jual-beli cryptocurrency, berbeda dengan saham yang hanya mendapatkan hitungan persentase saja. Cryptocurrency menganut system peer to peer sehingga siapa saja bisa melakukan jual-beli dengan syarat bisa melakukan kelengkapan KYC. Berbagai situs bisa anda gunakan mulai dari Luno | Indodax | Gopax | Tokocrypto | dll, semua exchange tersebut sama saja mengikuti harga asli cryptocurrency di seluruh indonesia. Anda bisa memilih berbagai macam cryptocurrency tersebut sesuai keinginan, karena tidak ada batasan untuk membelinya asalkan anda mengerti keggunaan coin tersebut untuk apa. Oleh karena itu, banyak orang yang belum paham keuntungan dan kerugian ketika melakukan jual-beli cryptocurrency, agar anda bisa paham perhatikan ulasan berikut! Keuntungan Investasi Cryptocurrency 1. Potensi Kenaikan Harga di Masa Mendatang Sudah sering Anda dengar bukan, bitcoin dan mata uang digital lainnya sudah membuat puluhan orang kaya raya mendadak. Trend yang meningkat dengan luar biasa adalah bukti otentik di masa lampau. Bagaimana di masa depan? Bahkan penyihir pun tidak akan bisa meramal dengan tepat, tapi belajar dari pola yang ada, maka potensi kenaikan nilai bitcoin di masa mendatang bukan kemustahilan. 2. Kebebasan dan Kecepatan Bitcoin, ether, dan mayoritas mata uang kripto lain menggunakan teknologi blockchain tanpa melibatkan pihak ketiga yakni perbankan. Dengan demikian, tidak ada aturan-aturan yang berpotensi menghambat proses payment. Misalnya ketika melakukan transfer ke luar negeri, maka prosesnya tidak perlu menunggu hari kerja, tapi cukup dengan hitungan jam bahkan menit. Kenapa bisa semudah dan secepat itu? Karena pada prinsipnya, tujuan awal penciptaan mata uang kripto adalah untuk menghilangkan hambatan-hambatan di dunia keuangan. Meskipun saat ini, berbagai startup mulai melirik menerbitkan mata uang kripto sebagai sarana crowd funding melalui ICO. 3. Keamanan Identitas Di dunia ini, ada saja orang yang memiliki kebutuhan aneh, macam menyembunyikan identitas ketika bertransaksi. Eits, jangan negative thinking dulu dah ah! Bisa jadi karena ogah info personalnya diketahui Bank atau oleh merchant. Info semacam itu berharga dan rawan disalahgunakan lhoh. Maka dari itu, beberapa orang memilih menggunakan BTC dan ETH untuk menjamin informasi yang ada. Tapi jangan digunakan di Indonesia, dilarang ntuh buat jual beli. 4. Menghindari pemalsuan uang Salah satu problem dari penggunaan duit kertas maupun kartu kredit adalah rawan pencurian dan pemalsuan. Secara teknis di dunia digital, ada istilah “double spend”, yang bermakna dengan menggunakan uang yang sama, seseorang melakukan transaksi untuk dua hal yang beda. Skema blockchain di mata uang kripto tidak memungkinkan hal ini terjadi, bisa dibilang aman! 5. Berpartisipasi dalam ICO Sudah tau apa artinya ICO? Pernah loh saya tulis tentang Initial Coin Offering. Dimana perusahaan yang punya proyek, nerbitin mata uang digital untuk membiayainya. Nah hebatnya, banyak ICO membuat orang menjadi kaya karena proyeknya berjalan dengan lancar sehingga nilai koinnya meningkat luar biasa drastis. Kita pake contoh lagi deh. Misal proyek X menerbitkan Xcoin dengan harga ICO USD 0,01 per token(coin). Kemudian dalam setahun harganya meningkat menjadi USD 1 per koin. Naik 100 kali lipat dong! Terus apa hubungannya dengan mata uang digital lainnya? Saat ini, sebagian ICO minta BTC atau ETH untuk Anda yang mau berpartisipasi dalam proyek mereka, bukan melalui transfer duit konvensional. Itulah kenapa, paling tidak harus memiliki mata uang kripto kalo mau berpartisipasi dalam ICO. Kerugian Investasi Cryptocurrency 1. Volatilitas Sangat Tinggi Heiy, di intro kan sudah saya jelaskan masalah volatilitas ini! Jadi sabar saja ya, mudah-mudahan lekas ketemu nilai wajarnya. Jadi investor dan company yang mau ICO bisa tenang gembira. Nah, tapi Anda juga tidak boleh abai terhadap beberapa poin lain yang berpotensi mengganggu investasi kita. 2. Potensi pelanggaran Hukum Masalah utama dan paling pelik yang dihadapi oleh mata uang digital adalah regulasi. Seandainya semua negara di dunia melarang bitcoin, bisa dipastikan nilainya akan runtuh dan tak berharga. Kenyataannya tidak bukan? Ini karena beberapa negara sudah mengatur dan mengijinkan penggunaan mata uang kripto. Bahkan Swedia dikabarkan sebagai negara pertama yang ikut menerbitkan mata uang kripto-nya sendiri. Saya sendiri melihat beberapa perusahaan keuangan global enggan menerima bitcoin dan semacamnya karena takut mengganggu bisnis yang selama ini telah dibangun. Eksekutif dari JP Morgan sampai melarang karyawannya beli bitcoin lhoh, dan itu menggelikan menurut saya. Jika permasalahan dengan regulator sudah usai, nampaknya peningkatan valuasi mata uang kripto tidak akan bisa dihindari. 3. Kehilangan “kunci” wallet Pastikan Anda mencatat di komputer atau kalau perlu di print dan disimpan di beberapa tempat. Karena apabila Anda lupa dan kehilangan kunci wallet Anda, maka akan sangat susah dan hampir mustahil bisa mengakses dompet Anda. Salah satu solusi yang menurut saya bisa dijadikan pertimbangan adalah menggunakan apps di handphone, tentu harus lebih user friendly dan mudah digunakan. Kali ini saya bekerja sama dengan Luno dan sudah mencoba keunggulannya sebagai wallet Bitcoin dan Ether. Nah jadi sembari nunggu perkembangan dunia per-kripto-an, Anda bisa mulai mendaftar ke Luno. Apakah harus Luno? Silakan Anda coba aplikasi yang lain dan pilih sesuai keinginan masing-masing. Tapi menurut saya, wallet Luno adalah salah satu yang paling aman! Tapi sebelum memutuskan mencari aplikasi lainnya, pastikan bahwa penggunaannya harus mudah dan secure. Apa gunanya Anda mendownload wallet jika ternyata tidak meminimalisir kemungkinan kehilangan token cryptocurrency.
How technology can reduce fleet costs?
Insurance is the best defence of your loss, against any damage and trouble. But insurance expenses vary policy to policy. If you run a business with more than one automobile, rewarding your legal obligation to keep them all insured can be something of an annoyance. Staples can get even more complex if you service multiple drivers, especially if they’re likely to get-up-and-go different automobiles at different times. Insured all your automobiles and all your drivers under one fleet insurance policy are likely to be the most suitable option, especially if you find a contract offering one regeneration date, with just one payment to pay. According to research, 48% of commercial vehicles manager felt this insurance cost is increasing day by day. But the cost can be decreased by making some offering discounts or meeting criteria and get cash back from the insurer. There are numerous ways, how technology can be effective for insurance. connect vehicle trackers: By installing vehicle tracker, you don’t even find the location of theft vehicles, in fact, they can also have check and balance on your driver while driving. connect Install alarms and immobilisers Security is a necessary thing if alarms and immobiliser can be added a security feature can also reduce the cost of an insurance revitalization quote. risk management: If you have a larger number of fleet insured vehicles then the insurer can give you fair and reasonable deals. Mostly, they will give protection at their own risk management. Combine policy in insurance: Ask your insurance provider either combined insurance policy is available or not. As it can reduce cost. Car cameras: Car cameras can prove very advantageous in commercial vehicles as it is becoming popular day by day. Buy vehicle which has less insurance payment: Buying a new fleet or hire some rationalised vehicles can be an expensive process, but it could save you cash on premiums. Raise your excess: Just like general insurance, you can ask can we increase excess. insurence premium will surely reduce in cost, you will have to devote more in event of due. Secure parking: If you will part vehicle or road in normal business hours, then there will be a chance of stealing, for convince you must store them overnight. With so many expensive possessions in one place, this gives wage-earners the chance to increase insurance premiums.
Decentralized Social Networks: Can They Work?
What does "decentralized social media" even mean? LAST YEAR JILLIAN York, a free expression activist, was temporarily booted off Facebook for sharing partially nude images. The offending photos were part of a German breast cancer awareness campaign which featured, well, breasts. Facebook flagged the post as a violation of its Community Standards, which strictly prohibits most types of female nudity. Though the account suspension lasted only 24 hours, it had a powerful impact on York’s ability to get things done. Locked out of Facebook, York was unable to complete her work or post comments on news sites that use Facebook’s commenting tools. And without Facebook credentials, York could not access apps like Spotify and Tinder. Tick off Facebook and you may be unable to work, date, or listen to music. York’s suspension highlights the ever-expanding ways in which we now rely on large private platforms to facilitate our online activities. Over the last 13 years, Facebook has evolved from a lifestyle site for college kids into a cornerstone of civic life. It is one of a handful of very large platforms that dominate our online world. As such platforms have gained traction, the web has transformed from an open space for free expression into a corporate-owned gated community of private platforms. The power of giant platforms like Facebook, Google, and Twitter leads to problems ranging from the threat of government-ordered censorship to more subtle, algorithmic biases in the curation of content users consume. Moreover, as these platforms expand their reach, the ripple effects of exclusion can have serious consequences for people’s personal and professional lives, and users have no clear path to recourse. The platforms that host and inform our networked public sphere are unelected, unaccountable, and often impossible to audit or oversee. In response, there is a growing movement among free speech advocates to create new technology to address these concerns. Early web pioneers like Brewster Kahle have called for ways we might “lock the web open” with code, enabling peer-to-peer interactions in place of mediated private platforms. The idea is to return to the good old days of the early '90’s web, when users published content directly in a user-friendly decentralized fashion, without the need for corporate intermediaries and their aspirational approach. Communities for users, run only by other users. No companies and giant corporation behind it. Just social networking for the sake of social networking. Now, WIRED makes the argument that they'll never work but I'm not so convinced. I love the idea. What do you think? Can we drop Facebook and find a decentralized way to connect again?
Second Chance Banking With Its Pros & Cons
A second chance checking account is also known as a basic account. These banking programs are designed for the ones who are not eligible for traditional accounts. Your ChexSystems report is usually inspected by the banks and credit unions when you apply for the opening of a checking account. In case you have ever ended up with a bad credit report, then traditional banks may deny your request for access to checking accounts. But second chance banks in North Carolina provide an opportunity to rebuild a strong banking history again and make you stand in the list of a positive credit report. How Second Chance Checking Account Works At the time of second chance checking account application, the bank lookout for your last account of negative balance or with outstanding fees just to be familiar with your missteps. Bank and credit union don't check Chexsystems report the way it usually inspected during the opening of checking account. Even with its use, it allows you to clear the previous negative record which may take five years to recover. Not all major banks and credit unions deliver the service of second chance checking accounts but some banks do, for instance, TD Ameritrade, Green Dot, Wells Fargo, Capital One 360, etc. There are better options at local banks or credit unions if you ever have difficulty in finding a second chance banking from a nationwide bank. For more details, you can consult your local financial institution. With a second chance banking North Carolina you will not enjoy all the services that are usually provided by the traditional banks for instance overdraft protection and access to checks or direct deposits. With this basic account, you may pay the monthly charges as well. So it's better to search for a bank or credit union that will offer more facilities with fewer charges. Pros and Cons Second Chance Banking comes up with many advantages and disadvantages. Every user needs to know before he/she go for this option. Pros 1) When consumers left with no option after denied by other banks, then only second chance banking seems a ray of hope to them 2) Not expensive than depending on check cashing services. 3) It is more likely to be appropriate than doing transactions with cash or prepaid debit cards. 4) Users of second chance banking programs can organize their accounts online or on their phones. It is helpful for users to be alerted, as notify them when their balance is running low. 5) Users can be eligible to upgrade within six months or one year. Cons 1) User of these accounts needs to take a tour or trial first for money management. Otherwise, it would be confusing to access. 2) It usually has monthly charges rather than offering a checking account free of cost. 3) With this account a few banks charge the fee for account set up or debit card set up. 4) These accounts too need minimum opening deposits like the traditional bank accounts. 5) Consumers may not receive overdraft protection, checks, or direct deposit. Non Chexsystems banks north Carolina is the best option you should choose if your request is denied for the traditional account for any reason.
Top Health Issues Where Instant Medical Loans Is A Right Choice
Medical issues in life do not look for funds in the account. They always knock on the door in the most uncertain times. Not all the suffers are gifted with the medical cover to solve their health coverage and few medical treatments are not covered by insurance providers and such is the juncture where Instant Medical Loans turn to be a vital option for people to handle their treatments. Dental Problems Many people become the victims of dental problems. These health issues need immediate attention irrespective of your financial status. Though the problem is not a life-threatening issue, it hampers the quality of life. NO insurance provider is open to offering coverage to these recurrent problems, the treatments for dental issues in the countries like Australia are expensive to be paid from the pocket alone and you can take the help of an instant medical loan to handle the immediate problem and disburse the expenses over the loan tenure. Kidney Related Issues When you are a victim of a kidney-related problem, the expenses for the treatment are recurring. The insurance provider may offer coverage for major things like surgery but not for recurring expenses like dialysis. Instant Medical Loans can be used to pay any medical expenses related to any health disorder. If you feel like you run out of cash to pay the recurring expenses for health treatment in that particular month, you can avail these online loans. Cosmetic Surgery Beauty enhancement is always a way to lead a confident life especially if you are a public profile. Not only surgeries, pre, and post-medical treatments are expensive too. As there is no insurance coverage offered for such treatments, you can apply for Instant Medical Loans to adjust your finances during the treatment time. Any Emergency The purpose of these Online Cash Loans is not specific. You can spend the loan amount for any medical emergency that knocks on your door. On applying for the loan online, the amount is deposited into your account directly giving you full control over money sending.
Liabilities Insurance Company in Texas
Liability is something every individual wants to escape. I mean every man wants to leave a stress free life completely devoid of any kinds of liabilities. But this is really a platonic thought as when you carry out any kind of business you are automatically entitled to certain kinds of liabilities. Although you can’t escape from liabilities that are related to your business but you can definitely save unnecessary drainage of money sue to liability suits, only if you have liability insurance. But the question is where would you get your liability insurance from? There are crafty toads everywhere in Texas. Finding a trustworthy liability insurance company in Texas is a difficult job but J Morman insurance will definitely make it way easier for you. Now, with all your liabilities fixed, you can make it sure that your business is bulletproof from financial meltdowns that you were about to face due to liability law-suits. There is no doubt that humans have tried to eliminate liabilities ever since the beginning of mankind but liability is still there. But it is not about the liability, it is how you deal with the liabilities and how to prevent your business from cracking down by unnecessary lawsuits that you are about to face due to liabilities in your trade. Now once you have got this liability issue done, you can better focus on the other aspects of your business and just stay up with your ambitions to make it big in your business. Farmers local insurance agents Texas We all talk about profit margins and providing economic boost to our already thriving business. There is no doubt that our capitalist government have already turned a blind eye on our primary sector of our economy. Our food providers are being deprived for a long time already. Even if you've never experienced living or working on a farm, hearing someone’s rash rant about a farmer’s life can sure make you want to think about them for once. But when we imagine the basic food providers need our support we want to provide them help with open hand. The Local farmers insurance agents in Texas is to make it sure that you live with dignity and self-respect. Commercial auto insurance in Round Rock Texas There is one fact , commercial and personal car insurances are different. One is commercial insurance that is used for vehicles that are under commercial purpose. The cars that are there for personal use do not get covered under commercial auto insurance. So these are few discrepancies regarding insurance and knowing it is very important in order to differentiate between personal and commercial car insurance. The best thing about J Morman insurance is that we are honest in our job and rather abstain from using any kind of wrong practices regarding our insurance policies. We will get you affordable auto insurance in Round Rock Texas. Now, with your insurance issues fixed, you can make it sure that your business is bulletproof.
A BRIEF GUIDE ON HOW TO FIND TRUCK DRIVERS?
How to find a truck driver? How to successfully find a truck driver that meets your needs and standards? Well, it's that easy. According to experienced recruiters, a successful truck driver is like any other diplomat driver, but with more contact with the company, customers, and the general public. Unlike school buses and regular drivers, truck drivers not only move from one point to another but also steeply navigate the route. Every day of their lives is different, and they are tired and have strict routines, which makes them unexpectedly tolerant and graceful, unlike regular drivers. If you are thinking of hiring a truck driver for the day or are looking for a commercial driver to hire, here is something you should pay attention to. Skills, certificates, and specific qualities are important factors to look for in order to find a good match. Below are some tips, along with some suggestions on how to find a truck driver. Key Factors for Hiring Truck Drivers During the Day or Long Term 1. Look for a driver's license or other technical certificates If you hire a truck driver for a day or a long time, you should also check his commercial driver's license and regular renewal period. A Class "A" commercial driver's license refers to driving a truck with an automated system. Special licenses apply to the manual or handling of various types of dangerous steering systems. Such a system can give a difficult time to a regular CDL driver or a Class "A" CDL driver. 2. Screening and background checks Like other areas of life, the trucking industry is monitored by the state and federal transport sectors. They carry out special screening and background checks to hire new truck drivers for the day or in the long run. So, if you want to hire a truck driver for a day, or are looking for a commercial driver to hire, here are some examples of background checks and screenings when hiring a truck driver. 10 years driving record Number of accidents drivers have encountered in the last 8-10 years Record of safety accountability A record of the driver's health and his working conditions. It was published by the Federal Automobile Carrier Safety Administration and the National Institute of Occupational Safety and Health. Driving and operational incidents under the influence of certain conditions or events Route company instructions to see if they cross borders National traffic regulation license and background check 3. Other skills to look for After reading the above two points, if you personally think "you need to hire a truck driver", what should you look for instead of the complicated and sophisticated steps above? "This is the answer. As an individual who needs to hire a truck driver for a day, there are certain qualities you should look for. These qualities are essential and do not need to be judged by an expert. They include: Patience and bargaining skills Flexibility and adaptability Willingness to comply with rules and regulations Essential math skills to check and balance invoices Communication skills Ability to deal with emergencies such as bad weather Knowledge of GPS and navigation technology Honesty and honesty for work 4. Know the difference between different truck drivers There is a wide range of truck drivers that have two main advantages. First, this broad range includes drivers for both large and small cars. Second, they have different interests. So if you want to hire a commercial driver or help someone carry your goods from one place to another for a day or so, you need to know which driver will meet all your needs. Please see the list below and use it. 5. Reliability and friendly attitude Thinking about "how to find a driver for my truck" involves many factors that need to be taken into account, some of which are mentioned above. Other than that, when it comes to hiring a truck driver, a few simple questions are a necessary part of the hiring process. For example, if you are hiring an inexperienced new driver, you need to check the reliability and ask how to prepare the driver. On the other hand, if you are hiring experienced people, you need to ask how they are dealing with the complications they are facing on the road. You can also ask how you have dealt with car accidents and emergencies in the past. Contact Us Finding a truck driver has never been easier for your business. It involves a lot of effort and a lot of complicated procedures. Therefore, if you can't find the right driver, please contact LuckyTruck today. At your request, we can help you find the best ones from industry expert recruiters. Subscribe to our blog and stay tuned for the latest developments and news related to the truck industry.