FINANCIAL MARKETS

 

Financial markets

Financial markets are a type of marketplace where there is selling and buying of securities, which include the stock market, bond market, commodities market, foreign exchange, and cryptocurrency. They are an important part of any economy and in event of failure then there are economic disruptions. Understanding the financial market is crucial, and thus the proper allocation of funds and resources which in turn creates liquidity for business operators. By having a stable financial market there is a return on investments and money is available for borrowers.

The stock market is the trading of equities, bonds, currencies, and derivatives. Listed companies can buy and sell shares. Normally the companies are listed on the stock exchanges in their respective countries. Stock markets are used to raise capital via a public offering. The largest stock exchange in the world is the New York Stock Exchange and the Nasdaq.

The bond market is where investors buy and sell debt securities. Bond trading is whereby both governments and companies issue bonds to reduce debt, funding of projects, or for maintenance of daily operations. There are two categories in the bond market namely primary and secondary markets. In the primary market, the objective is to raise capital directly from bond buyers, and the secondary market is where investors trade on previously issued debt.

The commodities market is a marketplace where traders buy and sell raw products such as oil, gas, corn, and gold. Commodity markets include both physical trading and financial derivative. A financial derivative is whereby the said stock derives its value from another asset, which dictates the price and the options in acquiring it. Buying and selling stocks, commodities, currency, or assets have contracts that have a specific price and date. An investor normally uses these derivatives to hedge on risks involved and maximize returns and minimize losses. These investments can be risky and one is needed to understand the risks involved.

The forex market is whereby participants buy and sell currencies. Participants are banks, companies, investment firms, and foreign exchange traders. This market determines the foreign exchange rate determined by the supply and demand of the currency which influences the exchange rate. It is one of the largest financial markets in the world, and its structure operates in both interbank and over-the-counter markets.

Cryptocurrency markets facilitate the trading of digital assets, such as Bitcoin and Ethereum that are based on blockchain technology. Currently, there are many cryptocurrency tokens available globally, which enable traders to swap from one cryptocurrency to another. Some digital currencies operate in a centralized exchange and others operate without the control of the government thus making it easy for hacking and fraud. Trading is peer-to-peer on decentralized digital currencies, which is cheaper to transfer money and fast.

Importance of financial markets;

·         Provide a space for fair trade of investors and debtors.

·         Offer job opportunities thus lowering the unemployment rate.

·         Provide access to capital for governments, companies, and individuals.

 

Gambling

 

Different types of online gambling games

 

Gambling is an activity that involves betting on the outcome of playing a game for money or entering a lottery. Gambling is an old type of entertainment that has evolved with time, and today we find online gambling. Online gambling has become popular thus increasing demand and increased revenue for investors. The pleasure of gambling comes with a risk of losing your bet and also winning big.

Most people actually really enjoy gambling which includes betting on sports games or casinos, lottery tickets, charity raffles, bingo games, and scratch tickets. Casino games are the most common among people and are played in almost every country in the world.

 With the availability of the internet everywhere then it is now possible for people to get the same games online. We currently see online casinos as an adaptation of the traditional casinos, which are similar and pay higher percentages and the rules and regulations are available on their websites.

 

Types of online gambling games

There are three main types of online gambling games namely: poker, casino, and sports betting casinos.

Ø  Poker – online players are allowed to use real money to credit their online account on the website where the player is participating. Most poker websites offer free practice and also provide rules and regulations of the game. Any winnings by the participating parties can be withdrawn at any time. Available favorites are Texas Holdﹸ em, Five Cards Draw, Stud Poker, Triple Draw, Razz, and Badugi.

Ø  Casino –online casinos include slots, blackjack, and roulette. Most of them offer to sign-up promotions and bonuses and most have apps that are secure and allow anyone to have gaming opportunities anywhere 24/7.

Ø  Sports Betting – here the main goal is predicting what team or person is going to win in a sporting event, whereby betting and winnings depend on the outcome. Most games allowed in the eleven states that, one can bet in the United States of America bet include;

·         NBA

·         Golf

·         Tennis

·         Boxing

·         Soccer

·         Motorsports

·         XFL

·         NCAAF

·         NASCAR

·         NFL

·         MLB

 

 

Advantages of online gambling

§  More convenience and comfort – one is able to play anywhere, anytime and on any device available

§  Things are easier for participants to make payments easily using both money transfers and crypto. Most gambling websites offer a wide variety of banking in both deposits and withdrawals.

§  Increased wages and new employment opportunities for companies operating in this business.

§  Increased tax revenues for governments.

§  More games are available for consumers while allowing the gamer different options and different experiences all the time. Most online casinos have thousands of games available.

§  More promotion options are offered to consumers as bonuses e.g. free bets, cash-back rebates, and free spins.

§  No expectations or etiquette expected because there is no one is offended as there are no other players like in a land-based casino.

§  More software options and features are available online than playing in person, especially in games like poker. And more stakes are available when playing online poker typically as low as $1/$2.

 

Disadvantages of online gambling

·         Convenience and comfort are also a downside since making it easy for people to gamble make it easy for someone to be unable to control in terms of time and money and it’s very easy to run out of control. Gambling is addictive and with convenience, it is a problem for some people.

·         As is typically possible operations are by reputable companies but some operators are crooks. It is always advisable to stick to trustworthy sites.

·         No social interaction, which affects self–esteem, relationships, mental health, work performance, and social life. These effects are seen as time goes and it affects both family and friends.

·         Laws and regulations vary around the world.

·         Transaction fees are charged on some sites and others don’t. It is important to know and also your bank or credit card. This adds up to the cost at times.

·         One is not able to always make withdrawals which depend on the regulations and time.

Conclusion

Whatever game you desire to play, many options are available online, and it always provides you with fun and excitement. They are virtually available on your mobile phone and other devices which have access to the internet. All that is needed is choosing a game and making a deposit. Gambling of any kind is risky and one has to be sure and ready for the risks involved. When gambling, it’s important to understand the downside and take notes. Otherwise, it is worth trying it and seeing if it makes sense or not. Like most things in life, online gambling should be done in moderation.

Range Rover Vogue

 

RANGE ROVER VOGUE

Range Rover Vogue takes the design, luxury and performance on another level, still maintain it’s off road bona fides while maintaining its high status in road confidence with advanced technology. The body is very streamlined and impressive with expensive interiors, and first ever long wheel base versions having up to seven seater capacity. It delivers pure luxury, comfortable, and cheaper than most luxury vehicles. As a buyer looking for the best in the market the Range Rover vogue ticks all the boxes.

The Range Rover Vogue comes with a raft of equipment, LED headlights, panoramic glass roof, auto lights and wipers, heated steering wheel, leather seats, a hands-free tailgate, a Centre armrest cooler and a WIFI hotspot. In addition the Vogue adds soft-close doors, LED ambient lighting inside, 360 degree parking cameras, heated and cooled electric Aniline leather seats and 21 inch wheels. There are two version namely Vogue  and Vogue SE.

Like the rest of the model in the Range Rover line-up the Vogue models offer greater off-road ability and in road reliability. The Ranger Rover Vogue has lots of safety kits and dynamic stability which assist in stability and usual airbags on board. In terms of the engine it has three engines choices, and there are four options. The engine starts with 258hp 3.0 TDV6 diesel, which is more than enough engine for anyone. All engines come with eight speed auto, and permanent four wheel drive. Under the bonnet you have a choice of both petrol or diesel power unit and options saving a little. No matter what engine you choose the driving experience is the same.

Range Rover Vogue are quiet and refined inside, with eight speed automatic gearbox which gives a relaxed driving experience.  With twin tailgate it allows a person to open one or both parts making it easy to pop smaller items into the boot and also giving a useful temporary seating area. The Range Rover Vogue has plenty of space offering comfortable legroom especially in long journeys and fantastic views. There is huge amounts of storage space which include glove boxes and storage space in armrest.  The Standard safety include emergency breaking, blind-spot assist, traffic sign recognition, lane keeping assist and rear traffic monitor.

 

It started as an off roader being driven in all terrain, Range Rover has transformed over the years to become a status symbol, for the independent and workaholics. Range Rover is always comfortable and luxurious, so much that you won’t feel short changed. The price range depends on body types, engine/transmission specs.

Computer assisted coding and alone coding

 

Computer-assisted coding is the creation of codes used to answer using the computer to search for possible answers based on some search text. This software is used to analyze documents in healthcare and produces appropriate medical codes for specific phrases within the document. Computer-assisted coding is software created to streamline coding, and reduce the backlog, thus increasing productivity and helping coders navigate easily and extensively in complex situations quickly. The technology is a type of Artificial intelligence. On the other hand Alone coding is coding created entirely independent of and neither contains or incorporates, nor constitutes a derivative based on part of application software or any other ownership.

Similarities

Ø  Alone coding and assisted coding are both developed to solve challenges appropriate for a specific need.

Ø  They both increase productivity, accuracy, and return on investment.

Differences

Ø  Assisted coding can be a difficult process in the implementation stages, as modern software can be complex and staff has to change their coding practices and learn the new ones, thus requiring commitment and engagement, and training.

Ø  On the hand Alone coding does not typically require staff to change their coding practices and fits seamlessly on the existing coding, thus requiring less or no training of staff.

Ø  Assisted coding struggles with accuracy especially when phrases are turned into incorrect code suggestions and create less precision, especially in healthcare systems where a proper diagnosis is required.

Ø  Alone coding is able to interpret better and create a more comprehensive report, especially in patients.

Ø  Assisted coding depends more on a human coder because the codes must be validated by a human coder, while in Alone coding solutions are built to work with fewer human coders.

      Computer Assisted coding can be helpful and advantageous to an organization, by improving productivity, it is important to note that regular checks and balances are crucial and monitoring and training of staff.

CRYPOCURRENCY

 

CRYPTOCURRENCY

 

Cryptocurrency is digital, encrypted, and decentralized currency used as a medium of exchange through a computer network, whereby the network does not rely on any bank or government. Cryptocurrencies are based on blockchain technology. Blockchain is an open ledger where transactions are recorded in code and distributed across countless computers around the world. These transactions are recorded in blocks and the linking together in chains, thus the name blockchain. Everyone using cryptocurrency has a copy of this book and thus a unified transactions record. Every new transaction is recorded as it happens and every copy of the blockchain is updated immediately. This keeps all the records accurate and identical. To prevent fraud each transaction is validated using the technics such as proof of work or proof of take.

Proof of work is a verifying method whereby transactions in the blockchain are solved using an algorithm. In this case, each computer is referred to as a miner.  Normally the first computer to solve is awarded small amounts of cryptocurrency for the effort. In most cases, miners need computing resources and more power because of working for long periods. On the other hand, the proof stake is whereby cryptocurrency uses proof for verification thus reducing the cost of power. Here every person is limited on the number of transactions one can verify, which is referred to as stake. Proof of stake is more efficient and quicker. Each transaction is checked and verified by the majority of ledger holders.

To own a cryptocurrency one is required to have a wallet, the wallet is how the coins and tokens are held. To hold the wallet one can either self-host or have a third-party service. In a third party, your cryptocurrency is held by a third party which means you are trusting an exchange with your assets. In self-hosting, you host your wallet.  And you will be taking your own security for your asset. The type of wallet you choose depends on your specific needs. Some wallets support specific cryptocurrencies or have limited functionalities.

Bitcoin was the first cryptocurrency that rose in 2008, currently, they include Ethereum, Tether, Solana, and Cardana. According to the market, there are more than 21,000 cryptocurrencies according to CoinmarketCap.com. It is difficult to know the actual estimate of the market value but it is estimated to be around $3trillion. Out of all Bitcoin has the largest share in market capitalization, followed by Ethereum and Tether. Bitcoin is highly secure and has minimum transaction costs. Transactions in Bitcoin cannot be forged and are irreversible thus making it more secure and with less fraudulent activities.

Individual units in cryptocurrencies are referred to as coins and tokens, this usually depends on how they are used. They are used as units of exchange when buying goods and services, as stores of value, and in software programs i.e. games and financial products. For anyone to get cryptocurrency they have to by buying from a user or an exchange. For one to invest in crypto it is helpful to start with the most commonly established in the market but there are no guarantees.

NerdWallet has created guides on widely circulated cryptocurrencies which include Bitcoin and others.

·         Bitcoin is the first and the most valuable cryptocurrency.

·         Ethereum is most commonly used in financial transactions and is more complex.

·         Cardano is the competitor of the Ethereum

·         Litecoin is an adaptation of Bitcoin to make payments easier.

·         Solana is a competitor of Ethereum and it is more cost-effective and fast.

·         Dogecoin began as a joke but has grown to be one valuable cryptocurrency

·         Shiba Inu is another dog-themed token but complex

·         Stablecoins are a class of coins that were designed to be more stable and a real-world asset as the dollar.

Cryptocurrency such as Bitcoin will become a currency since transactions remove central banks from managing the money supply and demand thus no value is affected by inflation. With cryptocurrency blockchain technology being secure then people will feel safe trading or even buying goods and services. Examining it critically with many governments around the world not yet fully recognized there are unpredictable effects. So if you are looking to invest it’s important to consider all. Regulations in cryptocurrencies are still evolving and it is important to pay attention to the legal definitions and disclosure requirements. Policymakers are focused on regulating the exchange and trading of cryptocurrencies. Basically, people should follow good principles of investments that offer returns. Generally, cryptocurrency has changed how we invest and how we do business in the world.