Online Science Education – Resources For K to 12 Educators and Home School Parents

Are you looking for online science education resources to support teaching K-12 science? There are many resources on the internet and it is difficult for teachers to find the time to surf the web looking for online resources. The best option is to visit a one-stop resource for K-12 science educators’ that is an online directory of resources designed for science education. Not only can teachers use a resource like this, it would also be perfect for parents’ home schooling their children.

Inquiry Based Teaching and Learning

If you are looking for K-12 science lesson plans, web resources, and references to support inquiry based teaching and learning, you have probably found this search difficult. Like other web resources it takes time to surf the web and find them. What is needed is a directory of science inquiry based resources categorized into topics that support K-12 science teaching and learning. What is needed is for someone to do this for you.

Directory resources that are most valuable to K-12 science educators include lesson plans, assessment guides, curriculum guides, standards guidelines, search engines for science, and more. Also there is a need for online resources that support all science content areas.

Teaching Science using Technology

There are many types of technology strategies for teaching K-12 science. These include the use of web resources, online simulators, WebQuests, real-time data bases, online interactive websites, and many more options. A website that provides a directory of a wide variety of web based resources is very helpful to K-12 educators.

This type of website would be used to support their teaching strategies. Actively engaging students in learning, instead of being passive learners. You can take students on virtual field trips to places all over the world: zoos, volcanos in other countries, and more.

Additional Resources

Other K-12 online science education resources needed by teachers and parents include access to journals, current science news topics, and online science teaching research books. One particular resource that is needed is a guide for recommended reading books to support science at all grade levels. Reading is stressed even more today to meet state and national education requirements and an online resource would help educators save time trying to find books that meet content standards.

Because of the emphasis on standards and testing today, teachers do want to go to a website that waste their time. All resources need to be pre-screened to ensure that they meet national science standards’ guidelines for teaching science using inquiry based practices. Also, that the technology based resources on the website meets national technology and science standards.

A directory that has updated links is especially important to provide resources. Teachers and parents are tired of going to science directories that are full of dead links. It wastes their time and frustration sets in, because more valuable time has been wasted.

What is needed is an online science education resource website that is specifically designed for K-12 science educators and home schooling parents.

Science and Math Education Website: Teaching Science and Math []

David R. Wetzel, Ph.D. – Currently a FreeLance Writer, Retired Science Education University Professor and Public School Science Teacher. He is an avid technology user and researches technologies which impact everyday science education.


Technology Update for 2017

Seeing high CPU utilization? It may not be a fault with your computer.

Does your computer stutter when browsing certain websites? Does Windows Resource Monitor show high CPU utilization? Does your Mac’s Activity Monitor show your CPU being overutilized? Usually, these symptoms would indicate a computer issue that would need troubleshooting but that may no longer be the case.

Your computer could be being hijacked to mine cryptocurrency. This is referred to as cryptojacking.

An increasing number of websites are including currency mining threads that use your processor to mine for their gain. More advertising networks are being hacked to include cryptocurrency miners and more malware than ever before is now using your computer to generate revenue rather than destroy or impact your data.

Forget Bitcoin, Monero, Litecoins, Dogecoins and Feathercoin are the new kids on the block and everyone wants a piece of them.

How does cryptocurrency mining work?

Bitcoin and other digital currencies are purely theoretical. Nothing exists, no paper money, no coins, no accounts, nothing. Everything is controlled by ledgers. Those ledgers are maintained by the companies that run the currency. To protect the currency, every transaction is encrypted and as you know, encryption is very resource intensive.

To help the system work, the processing of ledgers and transactions is farmed out to other machines, such as your PC to process. Your CPU will be given an encrypted transaction to process and the tools with which to do it. Your processor completes the calculation and sends the result to the central ledger.

In consensual cryptocurrency mining, you are then paid a fixed amount per transaction. You can run these transactions persistently to mine cryptocurrency.

The trouble is, websites and malicious code are using our computers to mine cryptocurrency without our knowledge. We pay for the electricity and contend with a slow computer but get none of the benefit from it. According to the piece from Adguard linked above, 500 million computers are being used to mine cryptocurrency without their owners even being aware.

Some of the websites that feature cryptojacking code profess no knowledge of it. Given the anonymous nature of cryptocurrency, we have to take their word for it.

How to tell us a website uses cryptojacking code

There is a quick and easy way to tell if a particular website uses cryptojacking code. If your CPU utilization spikes on a particular website or page, go to a different page. If utilization drops, it is a good indication that it is cryptojacking you. You could also shut down your browser as a double check.

How to prevent cryptojacking

While not as dangerous as malware or a virus, cryptojacking is still using your computer for someone else’s gain. That is not acceptable and we need to do something about that.

Your first line of defense is an adblocker. As many types of cryptojacking code are served through infected ads, a good adblocker can stop them.

Next is a good quality malware scanner. Some types of cryptojacking code are delivered through malware and will not be detectable by an adblocker. If you see CPU utilization spike, run your scanner and remove anything it finds. If you still see high utilization, run your antivirus too, just in case.

Finally, there are some browser extensions emerging designed to block all manner of cryptojacking code. Extensions such as AntiMiner, NoCoin and MinerBlock are being tested to see if they can protect your computer.

Some websites are being up front about using cryptocurrency mining to help pay the bills. These sites we have no problem with and would suggest letting them use your computer to help keep the lights on. As more of us block ads to protect ourselves, this trend is likely to continue. If the website is honest, I see no issue with it. If they try to hide it, they deserve to be blocked.


In this present novice’s manual for Bitcoin digital money, you will become more acquainted with the A B C of Bitcoin.

Bitcoin Cryptocurrency is humming from one side of the planet to the other, regardless of whether you are on the web or any media. It is quite possibly the most interesting and craziest thing happened that appears over the most recent couple of years as it were. All the more critically, you can procure a great return by bitcoins exchanging or you can save it for a long haul.

You might be found out about Stocks, Commodities, Forex, and presently another money called Bitcoin exchanging that impacts enormously on our lives. In this present novice’s manual for Bitcoin digital money, you will become more acquainted with the A B C of Bitcoin.

About Bitcoin Cryptocurrency

The development of Bitcoin is as yet not known however a paper was distributed in October 2008 under the nom de plume Nakamoto held from Japan. His character is as yet unclear and accepted to have roughly 1,000,000 bitcoins esteemed more than $6 billion USD as of September 2017.

Bitcoin is a computerized money prominently known as digital currency and is liberated from any topographical limit. It isn’t managed by any administration and all you need is a web association. As a novice, Bitcoin innovation might befuddle you and somewhat extreme to think about it. Nonetheless, I will assist you with burrowing it more profound and how you can likewise do your first Bitcoin exchanging quiet.

Bitcoin Cryptocurrency chips away at blockchain innovation which is a computerized public record and shared by anybody on the planet. You will discover your exchanges here at whatever point you do any Bitcoin exchanging and anybody can utilize the record to check it. The exchange done will be totally straightforward and is checked by blockchain. Bitcoin and other cryptographic money are the pieces of blockchain and are a magnificent innovation that sudden spikes in demand for the web as it were.

Key Terms Related To Bitcoin Cryptocurrency

Before you prepared to claim your first Bitcoin, it is smarter to realize the key terms identified with bitcoins. It is additionally named as BTC which is a piece of bitcoin and 1 bitcoin rises to 1 Million pieces. With the development of bitcoins, some other elective digital forms of money likewise advanced. They are prominently called Altcoins and incorporates Ethereum(ETH), Litecoin(LTC), Ripple(XRP), Monero(XMR) and numerous others.

XBT and BTC are exactly the same things and normally condensed for bitcoin. Mining is another term utilized a great deal and it is really a cycle done by PC equipment for the Bitcoin organizations.

Things You Can Do With Bitcoin

You will actually want to exchange, execute, acknowledge and store bitcoin. You can send it to your companions, demand from a companion and store it in your computerized wallet. Indeed, presently you can top-up your versatile/DTH straight by paying through bitcoin.

Exchange cost is low when contrasted with PayPal, Credit cards, and other internet based middle people. Besides, it likewise secures your protection that might get spilled on the web while utilizing Mastercards. It is very secure and it’s not possible for anyone to seize or take coins. Because of its straightforwardness in the framework, it is likewise impractical to control in light of the common public record. You can confirm exchange from anyplace and whenever.

Request is probably going to ascend as the complete creation of bitcoins is to be restricted to 21 million in particular. Japan has effectively legitimized it and different nations might follow it soon and the cost might climb further.

I will cover more on Bitcoins exhaustively in the forthcoming days where you will learn extraordinary stuff of bitcoin exchanging. You can remark your perspectives and ask anything applicable to bitcoins.


Delicious Chicken Biriyani

Biriyani is a dish that comprises of Meat and Rice, layered and cooked together with some spices… It is derived from the Persian word ‘Birian’ which means roasting before cooking.

This very tasty dish has its origins in Arabia or Persia. The story goes that the nomads and the tribals carried some dried meat and rice with them during their travels, and they layered the rice and the meat and added some dry herbs and nuts and let it simmer on a wood fire for sometime and then buried it under the sand for a few hours, after which the dish was ready. It was a fairly simple form of preparing biriyani those days, making use of nature and her resources.

Biriyani has taken many different forms since then, and gone on to become a gourmet dish, that has been evolved and finetuned to such an extent, that now one comes across at least 50 varieties of biriyanis. I may be wrong there, as the number may be greater.

Biriyani has Rice and Meat as its basic ingredients. The rest of the ingredients, the spices that go into it vary.

Hyderabad in India is known as the Biriyani capital of the world. There are mind boggling varieties of Biriyanis prepared here at different restaurants. Some of those recipes are closely guarded by restaurants and families, as they have been handed down through several generations. The Mughals brought Biriyani with them when they invaded India. It is one of the many influences that came to India with the Mughals and became extremely popular here and further evolved. It also took on some local flavors to suit the spice loving Indians…

A good Biriyani consists of perfectly cooked meat and the right blend of herbs and spices, cooked together with the rice. The Rice and Meat is never mixed while cooking. They are both cooked separately. The final stage of the preparation consists of layering the two alternatively and generally cooked either in an oven or on traditional wood fire, using gentle heat. One is careful not to mix the Biriyani even while serving.

Here I am going to share my recipe which I have tried to simplify to my own practical needs. I remember the good old times during my childhood when the preparation for Biriyani began early in the morning in my Ancestral house, with the men folk chasing the Chicks ( for Chicken Biriyani) or the livestocks or Mutton Biriyani and the dish was prepared on coal fire. Whereas now things are simplified, I go to the supermarket for the Meat and the other ingredients and I use the rice cooker to make the Biriyani and, find it tastes no different from what the other more complicated forms of Biriyani’s tasted.


Basmati Rice 3 and a 1/2 cups washed and soaked in water for 2 hours
Meat or chicken 500 gms, cut into medium sized pieces
Onions 4-5 sliced
Tomatoes 2 large sliced
Yogurt 1 cup
Ginger and garlic paste 1 tb sp
Gharam Marsala powder 2 tb sp
Red chilly powder 1 tsp
Turmeric powder a pinch
salt to taste
Ghee 1 cup
Clove, cinnamon, nutmeg and cardamoms

For the Green Marsala paste:

Mint leaves a bunch
Coriander leaves a bunch
Green chillies 4-5 or more if needed
A small piece of ginger and 5-6 garlic flakes
Grind the above into a fine paste
A few strands of Saffron soaked in a quarter cup of milk

Method of Preparation:

Drain the rice. In a large frying pan or wok heat 4 tablespoonfuls of Ghee and fry the rice till slightly crisp, add the cloves, cinnamon, crushed whole cardamoms, nutmeg gratings and transfer the rice to a rice cooker and add 5 cups of water and enough salt. Leave it to cook.

Slice 3 onions into fine long pieces, and fry with some ghee till very crisp and brown and keep aside.

Marinate the meat with the gharam Marsala, turmeric powder, chilly powder and yogurt and the ginger garlic paste. Pressure cook with green chillies, coriander leaves and the tomatoes.

In a frying fan heat some ghee and fry the rest of the onions, add the ground green Marsala paste, and mix well. Let it simmer for a couple of minutes after which transfer the contents from the cooker. Let the meat mixture simmer for a couple minutes or until the gravy becomes thick and well blended.

For layering:

Now we need to assemble the various ingredients together. In the Rice cooker spread a little ghee and a layer of Rice, and pour a little of the saffron milk on top of the rice, then a layer of the meat curry, and finally sprinkle some fried onions. Repeat this process, finally sprinkle onions on the top and cook for 5-6 minutes, and the Briyani should be ready by then.


20 Best Health Benefits Of Physical Exercise

Physical exercise, at the side of balanced vitamins and life-style changes, can assist combat diverse diseases (1), (2), (three). The WHO recommends 60-150 mins of bodily exercise for humans elderly 6-65 years (four). In fact, being active for 15-half-hour each day by means of on foot, brisk strolling, running, dancing, and energy training assist you to stay longer and appearance younger (five). Don’t accept as true with it? Give this publish a examine to realize the advantages of bodily exercising and why we propose it. Swipe up!

20 Benefits Of Exercise
1. Protects You From Cardiovascular Disease
Protects You From Cardiovascular Disease

It is not breaking news that cardiovascular disorder is one of the main causes of dying. And that’s unfortunate. According to the American Heart Association, by 2030, the superiority of cardiovascular illnesses is going to growth by means of nine.9% (6). But scientists from around the globe agree that the mortality price due to CVD can be decreased with the aid of regular workout (7).

2. Aids Weight Loss
Physical exercise, coupled with proper nutrients, is the quality manner to lose weight (eight). If you are borderline overweight, obese, or obese, you ought to begin exercising. It will assist you shed the extra kilos through changing the excess calories into usable energy, which you need to breathe, speak, walk, exercising, and carry out various cell functions. By losing weight, you may be capable of thrust back many weight problems-related sicknesses.

3. Reduces The Risk Of Type 2 Diabetes
Insulin resistance is whilst the body no longer responds to insulin. It causes an increased production of insulin through the pancreas. Since insulin promotes weight gain, an excessive amount of insulin manufacturing can lead to weight gain. Being obese or overweight will increase your hazard of insulin resistance. And which could cause diabetes. Scientists have showed that everyday bodily exercise can lessen the chance of diabetes by using fifty eight% in high-chance population (9).

4. Strengthens Muscles And Bones
Strengthens Muscles And Bones

The fitness of your muscular tissues and bones is very important. As you start getting older, commonly after 30 years, you start dropping muscular tissues and bone density. And that’s the cause many ladies above 30 suffer from unfastened pores and skin, joint ache, and osteoporosis. Research exhibits that electricity training improves the mineral density of the bones, thereby defensive you from osteoporosis (10). In truth, power training additionally allows enhance muscle tissues, muscle energy, and muscle endurance (eleven).

Five. Reduces Stress
If you are harassed, you should exercising. Stress not simplest hampers your sleep at night time but additionally impairs your immune features (12). Stress additionally leads to extra accumulation of dangerous oxygen radicals in the frame, which, in flip, ends in different sicknesses (thirteen). Physical activity is highly useful in reducing pressure. Whenever you sense stressed out, take a walk or run, and you will quickly see a exchange on your temper.

6. Effective Treatment For Depression And Anxiety
Depression and anxiety are serious intellectual health issues, and you need to no longer ignore them. Apart from taking scientific advice, you should start exercise. Exercise allows launch serotonin, the “feel exact” hormone that helps uplift your mood. Norwegian scientists performed an experiment with 977 patients and found that bodily workout progressed the mood of depressed sufferers (14).

7. Lowers High Blood Pressure
Lowers High Blood Pressure

High blood stress can cause coronary heart assault, stroke, and even demise. And it’s far particularly brought on due to terrible consuming habits, a sedentary way of life, and/or inherited genes. If you suffer from hypertension or excessive blood stress, you need to deal with your food regimen and begin workout. Scientists studied about 800 humans with high blood stress for 6 months and observed that exercise for 30 to 60 minutes, three to 7 days per week helped decrease systolic blood stress (15).

Eight. Reduces Risk Of Cancer
Cancer is one of the leading causes of dying. It is precipitated because of defective genes synthesizing faulty proteins, leading to uncontrollable mobile division. It will become dangerous when the cells metastasize and affect different frame elements. Regular exercising not best facilitates reduce the risk of cancer but also has a high-quality effect on people undergoing cancer remedy (sixteen).

Nine. Improves Digestion
According to a study published in Oxidative Medicine and Cellular Longevity, everyday physical activity modifies the gut microflora. This allows enhance immune function and digestion and positively impacts mucosal homeostasis (16). As a result, your digestion and bowel motion will improve, main to weight loss and higher fitness.

10. Boosts Brain Function And Memory
Boosts Brain Function And Memory

Both mind feature and memory are inspired through physical workout. American scientists verify that cardio exercise can assist save you age-associated brain tissue loss, enhance attention span, and enhance the ability to technique data quick (17).

11. Reduces Low Back Pain
Low lower back ache has affected approximately 540 million humans worldwide . And the best way you could get rid of it’s miles through exercising frequently. Do stretching physical activities – they help enhance the bones and muscle tissues in the lower returned. Studies proved that exercising helped approximately 10-50% of patients tormented by low back pain (18). However, keep away from sports that again and again want the lower back to switch from the anterior to the posterior pose.


Information Management, BPM and Integration – Achieving Cost Efficiency in the Financial Sector

For financial institutions to be viable, they must be cost efficient. Even high-profile giants aren’t immune to closures, mergers, and takeovers if they neglect to control costs. Competition today is fierce; only the fittest survive.

If you read industry literature, you’ve noticed the plethora of information about streamlining and automation, from banking journals highlighting productivity tools to technologies that enhance credit unions’ member services, or the benefits of going paperless for tax preparers and accounting firms. Yet despite the focus on streamlining and automation, many financial institutions continue to overlook the fundamental barrier to cost efficiency: cumbersome access to the information they need. Why? Because they lack an integrated approach to the digital workplace.

Digital capture and storage make information easily retrievable and useful, but don’t necessarily enable enterprise-wide efficiency. Data housed in customer relationship management (CRM) software, accounting, human resources, and other applications has limited value if it’s not reused efficiently everywhere it’s needed. The solution? Instant, secure, central access to all of your digital content. A work management system that systematically drives work forward, drawing on your business systems for pertinent documents and information. Electronic document management (EDM) and business process management (BPM) do both and more, unleashing great power by connecting people with information and transforming both service and institutional performance.

EDM: an integrated approach to information access

Extensive information gets trapped daily in business systems, mostly in unstructured documents and communications systems such as email. Employees who don’t use the applications or can’t access the email accounts where work-related information resides are challenged with limited access to information as they make decisions. Sometimes, they might as well work blindfolded.

Stringent regulations require adherence to strict policies regarding information access, complicating organizational connectivity. EDM makes it easier, allowing or blocking access according to preestablished rules. Whether data is stored in legacy software or line-of-business applications, with EDM it can be imported, extracted, viewed, and manipulated according to permissions. Thorough indexing ensures workers with different needs find answers. Efficiency and productivity rise without compromising security.

Today, browser-based EDM is the standard, enabling 24/7 access to information and projects via desktops, laptops, and mobile devices anywhere around the world. If you’re using anything less, you aren’t leveraging your business information, maximizing your staff’s talents, or offering the service your customers deserve.

BPM: an integrated approach to work management

The typical tangle of business processes resembles a spider web in 3D, with many intersecting points, spin-offs, and possible outcomes for each routine process. Late payments, loan defaults, or a customer opening an additional account affect multiple processes and require information from several sources.

To automate effectively, you must navigate the complex web of processes that drive your institution, understand their interaction, and leverage stored information wherever it has potential value. Integrating line-of-business systems and adding browser-based electronic BPM opens the gate to true efficiency, mechanically pushing and pulling documents and stored data to wherever they’re needed, following your business rules. Rather than spending 25-35% of their time looking for information, staff can view tasks and documents as they’re needed. No more delays and errors from missing information or duplicated data. Employees process more work, but with less hassle. Task distribution and reallocation follows business rules. Jobs are automatically prioritized, timelines are met, and service is consistent.

EDM, BPM, and integration redefine connectivity and enable substantial savings:

Loan applications: Contact information isolated in CRM must be re-keyed by staff or applicants. Data replication wastes time, causes costly delays, and results in errors.

Solution: Customer data is pulled automatically into loan applications from CRM and other software systems when a unique identifier is entered on each form, eliminating mistakes and saving considerable time.

Late payment notifications: Cumbersome processing of loan payments inevitably results in inappropriate penalty notifications. Inefficiency wastes time and negatively affects customer relationships.

Solution: Integration with receivables software ensures receipts are logged instantly, ensuring late payment letters are accurate. Staff saves time. Service improves.

Address confirmations: Manual address confirmations are slow, expensive, and fairly ineffective at reducing fraud. (Financial institutions spend roughly $300 million annually for poor results, according to a recent Financial Management Institute study.1)

Solution: Automating alerts regarding unusual account activity and scanning bar codes on returned mail dramatically reduce manual review time, errors, and mailing expenses.

Financial reviews and audits: Tax documentation stored in Excel sheets, emails, and correspondence are typically only accessible by logging in and out of separate software systems, resulting in cumbersome and time-consuming reviews.

Solution: BPM gathers required supporting documentation, flags missing files, launches separate follow-up processes, and verifies documentation is complete. Integration enables seamless access from tax return PDFs to related documents for instant review, saving time.

Customer service: Customers frequently have to wait for callbacks on questions requiring research and access to information stored in diverse systems.

Solution: EDM integration between accounting systems, CRM, and portals ensures payments are recorded instantly and check images are available securely on each customer’s mini-portal. Self service increases. Customer representatives can answer remaining inquiries instantly and confidently.

Work distribution: Staff struggle to balance regulatory demands, customer service inquiries, managerial expectations, and SLAs with stringent timelines. Poor judgment, mistakes, unexpected work absences, and turnover result in costly delays and stiff fines.

Solution: Managers increase control by establishing hierarchies for document approvals; distributing work by job role, common queue, etc.; and reassigning work based on vacation schedules, work volumes, or other criteria. SLAs or other deadlines at risk of not being met can be sent to priority queues or given managerial attention, keeping work on track and minimizing penalties.

Compliance: Proving compliance-one of the greatest drivers of automation-typically means querying and reporting from disparate systems. Compliance demands can distract staff from focusing on customers and revenue-generating business.

Solution: Whether employees are experienced or new, trustworthy or undependable, EDM and BPM facilitate their compliance. Digital rules enforce consistent information gathering, file access, and routine processing. By integrating multiple systems, you avoid duplication and errors, and unify your approach to governance, risk and compliance. Centralized searches let auditors see every file interaction, facilitating audits and electronic discovery. Automation keeps your staff focused on customers-not buried in tedious search.

Integrated EDM and BPM gives everyone the ability to make quick and informed work decisions, from the top to the bottom of your enterprise.

Connectivity: 24/7 access means more than convenience

Web services-now a mature technology and the standard for robust integration-have replaced hardcoded software integrations that existed for years. Browser-based products completely underwritten in Web services have several distinct advantages:

Instant access to additional functionality offered by your EDM and BPM vendor by adding on-screen buttons or drop-down choices; Access to work, wherever your workers are, whenever they need it; Added power at users’ fingertips without the need to learn new software. 24/7 access to information and work provides far more than convenience. It results in increased productivity, time and cost savings, a stronger bottom line, and dramatically enhanced customer service.

Dressing for success versus being successful

Make sure your EDM and BPM solution is truly enterprise capable and possesses more than good looks. Misguided expectations and uninformed buying inevitably lead to costly implementations and disappointing results. A modern, flexible interface is valuable only when it’s matched by robust features, functionality, and services that will ensure the product will grow and change with your institution. Even carefully designed processes are bound to change:

New ways of doing business emerge, requiring new processes. Regulations change, requiring process re-engineering. Institutions grow, requiring more touch points for integration and demanding that staff handle increased volumes of information efficiently.


The Stages of a Market Mania

What is a mania? It is defined as mental illness characterized by great excitement, euphoria, delusions and overactivity. In investing, this translates into investment decisions being driven by fear and greed without being tempered with analysis, reason or balance of risk and reward outcomes. The mania is usually running parallel with the business development of the product, but timing can sometimes run askew.

The late 90’s boom and today’s cryptocurrency boom are two examples of how a mania operates in real time. These two events will be highlighted with each stage in this article.

The Idea Stage

The first stage of a mania starts out with a great idea. The idea is not known to many people yet, but the potential for profits are huge. This is usually translated as unlimited profit, since “something like this has never been done before”. The internet was one such case. People using the paper systems of the time were skeptical as “how can the internet replace such a familiar and entrenched system?” The backbone of the idea begins to get built. This translated into the modems, servers, software and web sites needed to get the idea into something tangible. Investments in the idea stage start off lackluster and made by people “in the know”. In the case, it may be the visionaries and people working on the project.

In the cryptocurrency world, the same question is being asked: How can a piece of crypto code replace our monetary system, contract system and payment systems?

The Possibilities

The first web sites were crude, limited, slow and annoying. The skeptics would look at the words “information superhighway” that the visionaries were spouting and saying “how can this really be that useful?” The forgotten element here is that ideas start out at their worst, and then evolve into something better and better. This sometimes happens due to better technology, more scale and cheaper costs, better applications for the product in question, or more familiarity with the product combined with great marketing. On the investment side, the early adopters are getting in, but there is no euphoria and astronomical returns yet. In some cases, investments have made decent returns, but not enough to sway the masses into jumping in. This is analogous to the slow internet connections of the 1990’s, internet sites crashing or information being incorrect on search engines. In the cryptocurrency world, it is being witnessed by high mining costs for coins, slow transaction times and hacking or theft of accounts.

The Acceleration

Word starts to get out that this internet and “.com” is the hot new thing. The products and tangibility is being constructed, but due to the massive scale involved, the cost and time expended would be massive before everyone is using it. The investment aspect of the equation starts to get ahead of the business development since markets discount the potential of a business with the price of the investment. The euphoria is starting to materialize, but only among the early adopters. This is happening in the cryptocurrency world with the explosion of new “altcoins”, and the large media press that the space is getting.

The Euphoria

This stage is dominated by the parabolic returns and potential that the internet offers. Not much thought is given to the implementation or problems because “the returns are huge and I don’t want to miss out”. The words “irrational exuberance” and “mania” begin to become common as people are buying due to sheer greed. Downside risks and negativity and largely ignored. Symptoms of the mania include: Any company in its name is red hot, analysis is thrown out the window in favour of optics, the investment knowledge is getting less and less apparent among new entrants, expectations for 10 or 100 bagger returns are common and few people actually know how the product works or does not work. This has played out in the cryptocurrency world with the stellar returns of late 2017 and the incidents of company shares popping hundreds of percentage points by using “blockchain” in their name. There are also “reverse takeover offers” where shell companies that are listed on an exchange but are dormant have their names changed to something involving blockchain, and the shares are suddenly actively traded.

The Crash and Burn

The business scene for the new product is changing, but not nearly as quickly as the investment scene is changing. Eventually, a switch in mindset appears and a huge selling spree begins. Volatility is massive, and many “weak hands” and wiped out of the market. Suddenly, analysis is being used again to justify that these companies have no value or are “overvalued”. The fear spreads and prices accelerate downward. Companies who do not have earnings and who are surviving on hype and future prospects are blown out. The incidents of fraud and scams increasing to take advantage of the greed are exposed, causing more fear and selling off of securities. The businesses who have the money are quietly investing in the new product, but the rate of progress slows down because the new product is “an ugly word” unless the profits are demonstrated convincingly. This is starting to happen in the cryptocurrency world with the folding of lending schemes using cryptocurrencies and higher incidents of the theft of coins. Some of the marginal coins are crashing in value due to their speculative nature.

The Survivors

In this stage, the investment landscape is charred with stories of losses and bad experiences. Meanwhile, the great idea is coming into tangibility and for businesses that use it, it is a boom. It starts becoming implemented in day to day activities. The product starts to become the standard and the visionaries are quoted in saying that “the information superhighway” is real. The average user notices an improvement in the product and it starts mass adoption. The businesses who had a real profit strategy take a hit during the crash and burn stage, but if they have the cash to survive, they make it to the next wave. This has not happened in the cryptocurrency world as of yet. The expected survivors are those that have a tangible business case and corporate backing – but it remains to be seen which companies and coins these will be.

The Next Wave – Business Catches Up to the Hype

In this stage, the new product is the standard and the profits are becoming obvious. The business case is now based on earnings and scale rather than the idea. A second investment wave appears starting with these survivors and extending to another early stage mania. The next stage was characterized by social media companies, search engines and online shopping which are all derivatives of the original product – the internet.

The Conclusion

Manias work in a pattern which plays out in a similar fashion over time. Once one recognizes the stages and the thinking process at each one, it becomes easier to understand what is going on and the investment decisions become clearer.

Do you want to:
Learn how the world of money really works without the need of a time consuming or expensive course of study?
Discuss what you want to achieve according to your horizon?
Restructure your finances to achieve your goals?
Advice that is not affiliated with any institution or any product – an independent opinion?


That activity drove the worth of Bitcoin down for a brief time frame yet it before long flooded back and is currently near its past esteem.

For somebody curious about Bitcoin, the main inquiry that strikes a chord is, “The thing that is Bitcoin?” And another normal inquiry that is frequently posed identifies with the Bitcoin cost. It began an under dime for each Bitcoin upon its presentation in mid 2009. It has risen consistently since and has floated around $4000 per Bitcoin as of late. So with respect to Bitcoin esteem or the Bitcoin rate this is a most momentous enthusiasm for esteem and has made many, a huge number throughout the most recent eight years. The Bitcoin market is worldwide and the residents of China and Japan have been especially dynamic in its buy alongside other Asian nations. Nonetheless, as of late in Bitcoin news the Chinese government has attempted to stifle its action in that country. That activity drove the worth of Bitcoin down for a brief time frame yet it before long flooded back and is currently near its past esteem.

The Bitcoin history outline is exceptionally fascinating. Its maker was a mysterious gathering of splendid mathematicians (utilizing the pen name Nakamoto) who planned it in 2008 to be “virtual gold” and delivered the main Bitcoin programming in mid 2009 during the tallness of the USA monetary emergency. They realized that to have enduring worth, it like gold needed to have a limited inventory. So in making it they covered the inventory at 21 million Bitcoin.

Bitcoin mining alludes to the cycle by which new Bitcoin is made. With ordinary money, government chooses when and where to print and disseminate it. With Bitcoin, “diggers” utilize exceptional programming to tackle complex numerical issues and are given a specific number of Bitcoin consequently.

An inquiry that then, at that point, emerges is, is Bitcoin mining awesome. The appropriate response is NO for the normal individual. It takes exceptionally complex information and an incredible PC framework and this mix of elements makes it out of reach for the general population. This applies considerably more to bitcoin mining 2017 than in past years.

Many miracle, who acknowledges Bitcoin? This inquiry gets posed in different ways, what are stores that acknowledge bitcoin, what are sites that acknowledge bitcoins, what are a few retailers that acknowledge bitcoin, what are a few places that acknowledge bitcoin and where would i be able to spend bitcoin.

An ever increasing number of organizations are starting to consider the to be of tolerating digital currencies as a substantial installment choice. Some significant organizations that do are DISH organization, Microsoft, Expedia, Shopify stores, Newegg, Payza, 2Pay4You, and others.Two significant holdouts as of now are Walmart and Amazon.

Ethereum is the most grounded opponent to Bitcoin in the digital currency market and many stand amazed at the topic of Bitcoin versus Ethereum. Ethereum was made in mid-2015 and has acquired some ubiquity yet positions a long ways behind Bitcoin in utilization, acknowledgment and worth.

An inquiry that frequently comes up regularly identifies with Bitcoin trick. This creator has a companion who made a buy from an organization that guaranteed 1-2% development each day. The organization site recorded no contact data and two or three months the site just evaporated one day and my companion lost all the cash he had contributed which was a few thousand dollars.

One needs to realize how to purchase Bitcoins, how to buy Bitcoin or how to purchase Bitcoin with Visa to get everything rolling. Coinbase is an extremely famous site to do this. Their charge is 3.75% and as far as possible is $10,000 each day. This would likely be the most effortless approach to purchase bitcoins.

Others might want to purchase Bitcoin with check card. Coinbase additionally offers this assistance and has clear bit by bit directions on the best way to continue with either your charge or Visa.

There are the people who might want to purchase Bitcoin immediately. This should be possible at Paxful, Inc. furthermore, should be possible through W. Association or any credit/charge card.

Other normal inquiries that surface are what is the most ideal approach to purchase Bitcoins, the most ideal approach to get bitcoins or where to purchase bitcoins on the web. The most effortless way is presumably to buy it through an advanced resource trade like the recently referenced Coinbase. Opening a record with them is effortless and when you connect your financial balance with them you can purchase and sell Bitcoin without any problem. This is very logical likewise the best spot to purchase Bitcoins.


Web Browser Features You Should Know About

There are quite a few options for web browsers out there and this is important to us because we develop web applications. A major factor in developing web applications is considering the different browsers people will view our clients’ applications on. There are many lists that rank browsers, but I thought I would just talk about the benefits of each browser.

Firefox – is preferred by many people over other browsers because it offers more than 6,000 add-ons. These add-ons make it so easy to customize the browser to your own needs. Firefox also features a minimalist design and excellent organization, making it very user-friendly. Most of the browsers feature a sync function, but FireFox’s mobile sync is excellent and lets you switch from device to device effortlessly. For improved security Firefox offers a private browsing mode, which makes it so your web browsing history does not save on your computer. Another security feature is the download manager, which scans all downloads for viruses before you open web pages.

Chrome – has a reputation as one of the speediest browsers available. Chrome is the only browser with a built in PDF reader and Flash Player which saves users from having to download these separately. Chrome features a minimalist design improving the user’s experience making it stand out from the other browsers. A Translation feature directly in the browser without the need for additional plug ins or extensions. A user has the ability to search directly in the address bar and can take text or a link on a page and put it in the web search bar.

Opera – offers Unite, a technology that turns your web browser into a server. Through the Turbo feature Opera speeds up the Web on slow connections by caching. Tab stacking is a feature that allows users to create groups of tabs making them organized and manageable. Users can complete browser actions with the visual mouse gestures. With Speed Dial users can preview their favorite sites in new tabs. Voice control allows users to speak commands to the browser and it also read pages aloud.

Safari – features a reading list that allows users to save articles and websites to a list that is stored in iCloud so users can come back to it later. The reading list shows the title of the web page, the website, and preview of the first few lines. Reader view, allows users to read articles in a clean space without ads. Switch between your Top Sites and Full History with the click of a button. Cover Flow lets users flip through previews of bookmarks and history.

Internet Explorer – is the most popular web browser in large part due to the fact that it comes installed as the default web browser on Windows computers. The release of Internet Explorer 9, the latest version brought many new features and updates, but it is only supported by Windows 7 and Vista. Tracking Protection is a security feature that uses two different methods, giving users a more secure browsing experience. Tracking Protection limits the browsers communication to help keep your information private. Tab-pinning is a feature that allows the user to pin websites that they visit regularly to their taskbar. You can also complete searches directly from the address bar.

The competition between browsers has definitely paid off for users because each browser has continued to improve and make advancements. In the end I think people choose the browser that works best for their needs and that they feel the most comfortable with. Which browser do you prefer and why?



Made in 2009 by a mysterious cryptographer, Bitcoin works on the reason that anything, even immaterial pieces of code

This is somewhat on the grounds that business visionaries Cameron and Tyler Winklevoss, most popular for their part in the starting points of Facebook, are currently trying to utilize their mechanical smart, and cash, to carry Bitcoin into the standard.

The Winklevosses desire to begin a trade exchanged asset for bitcoins. An ETF would make Bitcoin all the more generally accessible to financial backers who come up short on the innovative skill to buy the computerized cash straightforwardly. As of April, the Winklevosses are said to have held around 1% of all existent bitcoins.

Made in 2009 by a mysterious cryptographer, Bitcoin works on the reason that anything, even immaterial pieces of code, can have esteem inasmuch as enough individuals choose to regard it as important. Bitcoins exist just as advanced portrayals and are not fixed to any customary money.

As per the Bitcoin site, “Bitcoin is planned around the possibility of another type of cash that utilizes cryptography to control its creation and exchanges, as opposed to depending on focal specialists.” (1) New bitcoins are “mined” by clients who settle PC calculations to find virtual coins. Bitcoins’ indicated makers have said that a definitive stock of bitcoins will be covered at 21 million.

While Bitcoin advances itself as “an exceptionally protected and economical approach to deal with installments,” (2) actually couple of organizations have taken the action to acknowledge bitcoins. Of those that have, a sizable number work in the bootleg market.

Bitcoins are exchanged namelessly over the Internet, with no support with respect to set up monetary foundations. Starting at 2012, deals of medications and other bootleg market products represented an expected 20 percent of trades from bitcoins to U.S. dollars on the primary Bitcoin trade, called Mt. Gox. The Drug Enforcement Agency as of late led its very first Bitcoin seizure, after supposedly tying an exchange on the mysterious Bitcoin-just commercial center Silk Road to the offer of remedy and illicit medications.

Some Bitcoin clients have likewise proposed that the money can fill in as a way to stay away from charges. That might be valid, yet just as in bitcoins help illicit tax avoidance, not as in they really serve any job in certified expense arranging. Under government charge law, no money needs to change delivers request for an available exchange to happen. Trade and other non-cash trades are still completely available. There is no explanation that exchanges including bitcoins would be dealt with in an unexpected way.

Outside of the criminal component, Bitcoin’s primary enthusiasts are theorists, who have no aim of utilizing bitcoins to purchase anything. These financial backers are persuaded that the restricted inventory of bitcoins will drive their worth to follow a constant vertical direction.

Bitcoin has for sure seen some critical spikes in esteem. However, it has likewise experienced significant misfortunes, including a 80 percent decay more than 24 hours in April. Toward the beginning of this current month, bitcoins were down to around $90, from a high of $266 before the April crash. They were exchanging close $97 recently, as per

The Winklevosses would make Bitcoin contributing simpler by permitting more limited size financial backers to benefit, or lose, by and large, without the problem of really purchasing and putting away the electronic coins. Notwithstanding cases of safety, Bitcoin stockpiling has demonstrated risky. In 2011, an assault on the Mt. Gox trade constrained it to briefly close down and caused the cost of bitcoins to momentarily tumble to almost zero. Since Bitcoin exchanges are largely mysterious, there is minimal shot at finding the offenders on the off chance that you abruptly track down your electronic wallet unfilled. On the off chance that the Winklevosses get administrative endorsement, their ETF would assist with safeguarding financial backers from the danger of individual robbery. The ETF, notwithstanding, would never really resolve the issue of unpredictability brought about by huge scope burglaries somewhere else in the Bitcoin market.

While Bitcoin comes enveloped by an innovative facade, this most up to date of monetary standards shares an astonishing sum for all intents and purpose with probably the most seasoned money: gold. Bitcoin’s own jargon, especially the expression “mining,” features this association, and purposefully so. The mining system is intended to be troublesome as a control on supply, impersonating the extraction of more customary assets starting from the earliest stage. A long way from giving a feeling that all is well with the world, notwithstanding, this way of talking should fill in as an expression of alert.

Gold is a venture after all other options have run out. It has minimal inborn worth. It doesn’t produce interest. But since its stock is limited, it is viewed as being more steady than types of cash that can be printed freely.

The issue with gold is that it doesn’t do anything. Since gold coins have dropped out of utilization, the majority of the world’s gold currently sits in the vaults of national banks and other monetary establishments. Therefore, gold has little association with the genuine economy. That can appear to be something to be thankful for when the genuine economy feels like a frightening spot to be. Yet, when other alluring speculation alternatives show up, gold loses its sparkle. That is the thing that we have seen with the new decreases in gold costs.

In their push to carry Bitcoin to the standard, its advertisers have acknowledged, and, sometimes searched out, expanded guideline. Last month Mt. Gox enrolled itself as a cash administrations business with the Treasury Department’s Financial Crimes Enforcement Network. It has likewise expanded client confirmation measures. The progressions came in light of a March order from Financial Crimes Enforcement Network explaining the utilization of its standards to virtual monetary forms. The Winklevosses’ proposed ETF would bring another degree of responsibility.

Eventually, in any case, I expect that Bitcoin will blur once more into the shadows of the bootleg market. The individuals who need a directed, secure cash that they can use for genuine deals will pick from one of the numerous monetary forms previously supported by a public government outfitted with abundant assets, a true economy and definitely more straightforwardness and security than the Bitcoin world can offer.

After the Bitcoin bubble explodes, we will not have the option to utilize the extra coins for adornments.