Money and Technology

Saving, investing and making money with technology

The Best Way To Start Your Own Consulting Business

You know, I remember once, a consultant recently told me “People don’t see a need for my offer.” And they went on to explain that their offer isn’t getting any traction. And that their ideal consulting clients aren’t really interested in it. You know, it’s like they’re fishing for a trophy client and yet no one is willing to take the bait. This is quite a common concern I hear from consultants.

We all should know there are thousands of true professionals that have dreamed about starting their own consulting business. And It seems like a great career path. You know, hang a shingle, bring in clients, be your own boss, do awesome things and make bank.Consulting, as it turns out, isn’t sexy, glamorous, or as easy as it seems. And it can downright hard — harder than you might think. I would encourage anyone with the smart to start a consulting business. But I also offer cautions — a few yield signs that could save you a lot of grief and get you closer to achieving your dreams.

I remember a while back that I was consulting with a client who told me about a sales incentive they ran years ago. And It worked very well. And they broke sales records easily. They were very ecstatic about the great results. I asked, “So, why did you stop running that incentive?” They looked at me kind of puzzled. And they started scratching their heads. Then shrugged. Why stop running a program if it gets you really good results? Why stop investing in something if it provides you with a great results.

Solving Problems

You know, I had a great year, adding close to ten thousand dollars in new revenue, and the business is growing very well. I’ve experienced a lot this year! And I’ve worked with some of the largest consulting companies and consulted for some of the world’s biggest businesses, in America and the World. And when I started to grow my own consulting business I wanted to consult with the best consultants in this business. And I have been working with the best consultants in the business. It’s been a great investment. What a blast, total income online.

And also, if you’re like most people who gives professional advice and or service, you went to business school, or medical school or learned a technical skill. Got a job and started on a career. One day, though, you wondered where that career is going. It’s only a matter of time until you find that no job is secure. You think, is a merger is coming? Then there are outsourcing rumors? Or is technology taking jobs? And then you either quit or your job goes away.Now what? Some people say all you need is a phone and a laptop to go in to business. So you do, and find your first client – usually a friend or colleague.

Effective Diagnosis

But eventually, you got hit with the reality getting other clients isn’t that easy, and that there’s a lot of tasks you were never taught in school. That is, running a business means a lot more than just being great at your special skill. And what’s your business model? And are you no more than a “contractor” … performing hourly services to just a handful of clients because that’s all you can handle? What if you land a large account, but can’t scale up to their need?

Each year management consultants in the United States receive more than $2 billion for their services.1 Much of this money pays for impractical data and poorly implemented recommendations.2 To reduce this waste, clients need a better understanding of what consulting assignments can accomplish. They need to ask more from such advisers, who in turn must learn to satisfy expanded expectations.

 

Recommending Actions

You know, the engagement characteristically concludes with a written report or oral presentation that summarizes what the consultant has learned and that recommends in some detail what the client should do. And firms will devote a great deal of effort to designing their reports so that the information and analysis are clearly presented and the recommendations are convincingly related to the diagnosis on which they are based. And a lot of people would probably say that the purpose of the engagement is fulfilled when the professional presents a consistent, logical action plan of steps designed to improve the diagnosed problem. The consultant recommends, and the client decides whether and how to implement.

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12 Quick Tips to Cut Down Your Monthly Budget

If you want to save money, pay attention to how you’re spending it. Little luxuries like a latte every morning add up fast. But if you’ve been pinching pennies for a while and feel like you’re getting nowhere, it may be time to reevaluate your priorities. These tips provide specific steps you can take to reduce your bills and trim the fat from your monthly budget without scrimping on the good stuff.

1. Plan your meals

After a busy day, the last thing you want to do is more work in the kitchen. But if you plan for quick and easy weeknight meals, making dinner doesn’t have to be a chore. Avoid the take-out trap by prepping your breakfast or lunches for the week, and watch those few dollars a day add up to significant savings over the course of a month. Once you’ve planned your meals for the week, craft a grocery shopping list to keep you on track when you’re cruising the aisles. Also, remember that grocery shopping hungry is a recipe for disaster.

2. Cut the cord

Look carefully at the cost of cable or satellite TV and decide if it’s worth it for your household. Most of the time, you can catch your favorite shows with subscriptions to streaming services like Sling TV or Hulu. Not sure if cutting the cord makes sense for you? This cord-cutting tool will let you select which channels you can’t live without and recommend a streaming package that fits your viewing priorities. Cutting the cord may save you up to $100 per month, so it’s worth a shot.

3. Energy savings add up

Every penny counts, and that’s especially true of energy consumption. You may not realize it, but with a few minor tweaks and changes, you could increase your energy efficiency and save hundreds of dollars per year. An excellent place to start is the Energy Saver Guide published by the Department of Energy. It’s full of tips to help you save money at home, including how to conduct an energy audit, weatherize your home, and choose energy efficient appliances.

4. Plan for big purchases

Need a new car or plan to go back to school this year? Work those big purchases into your monthly budget as smaller line items so when it comes time to pay the bills, you’ll have enough set aside to cover the costs. This system works well even for luxuries and can help you appreciate the effort it takes to afford these items rather than feeling guilty about splurging.

5. Take advantage of discount days

Just because you’re trying to save money doesn’t mean you have to scrimp on the fun. Look for coupons for local activities and entertainment or catch an afternoon matinee to see the latest blockbuster. You can also check out local attractions during free museum day or check online to schedule your next visit for a discount day.

6. Play it safe and stay in

Partying it up at home has lots of hidden benefits, including not having to call an Uber at the end of the night. Offer to play host and have your friends congregate at your place for a potluck dinner party or take turns having a weekly cocktail hour. If you have a large group of friends willing to chip in, you’ll get a change of scenery along with your savings.

7. Clean house

This tip applies to more than just tidying up. Go through closets and cupboards looking for things you don’t use anymore. Sell high-priced items in your local classifieds and have a garage sale to generate a little extra cash flow. And if you send things to a local nonprofit, remember to get a receipt. Those donations may be tax deductible.

8. Get it on loan from the library

You’ll be shocked by what you can get on loan from the library these days. In addition to books, music, and movies, you may be able to check out toys, games, tools, and even telescopes. Also, remember that libraries offer community classes on lots of topics from auto repair to computers to financial advice.

9. Give of yourself

Before you go out and buy a last-minute birthday gift, think about what that person in your life would truly appreciate. Volunteer together at their favorite charity, spend a day picnicking at a local park, or craft something truly one-of-a-kind. Often, you’ll discover that giving your time and attention is a much better way to show your love than any gift money could buy.

10. Repurpose, reuse, and recycle

Buying used is an attractive option if you’re looking for a bargain, and it’s also a way to cut down on waste. Shop thrift stores for clothing and furniture, and consider refurbishing electronics instead of forking out extra dough for the latest technology. That old iPhone may work just fine with a new battery and a little TLC.

11. Look into lowering your monthly bills

Car payments, student loans, and insurance bills can be expensive and may be the largest line items on your monthly budget. Do your research online and work the phones to see if you can find yourself a better deal that will lower your monthly payment. While cutting corners on expenses may add up over time, reducing these bills is the easiest way to get more bang for your budgeting buck.

12. Schedule time for finances

Last but certainly not least is scheduling the time to work on your finances monthly. If saving money is a priority for your household, set aside time to evaluate your spending, draft a budget, and invest wisely. As Benjamin Franklin once said, “An investment in knowledge pays the best interest.

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Print Media and Advertising

The most popular form of advertising apart from word of mouth is print advertisement. Advertising agencies swear by its effectiveness and benefits for the brands.

print advertising

Imparting information:

Print advertising holds a higher ground than any other because of its effectiveness to impart information. TVC and radio commercials have limitations of time and loose the directness of the brand message. Hence, print media owns the leverage in diversity of mediums such as brochures, flyers, news paper or magazine ads. It is reportedly more effective in leaving a lasting impact on its subjects.

 

Long lasting:

Print advertising has another reason for being a favourite among advertising agencies; it is because of its capacity and availability for views, reviews and action pertaining to that. It effectively delivers a more enduring message. A print advertisement can endure the passage of time and makes it easy to record the number of audience and the impact of the advertisement is extracting an action.

 

Building image:

Print advertisement is received more easily than any other medium by viewers. It is more trusted source of advertisement according to recent study. Advertisement in reliable magazines and news paper is subject to better acceptance and response. Transparency is the key to success for print media and most recommended by advertising agencies. It is most capable source to building a company image.

 

Easy targets:

Print media has a benefit of targeting audiences. Unlike radio and TVC one can actually allocate their money and advertise according to the target audiences . mailers, flyers, magazines brochures can be delivered according to work areas and localities that are subject to act on  the advertisement. It is prudent to understand print media according to ones target and budget. Done properly, it can create positive reactions and deliver best results to advertising.

 

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Ways To Manage Your Debt

Since you’ve ended up here, you, or someone you know, probably owe money for back taxes to the IRS and/or the state.

In these tough economic times it could be a lot of money.
Maybe it’s from years of back income taxes, unpaid payroll taxes, or you may have received a gift or inherited an estate and just can’t afford to pay the taxes on it. If you’re a business owner maybe you ended up owing taxes because you were just trying to feed your family and couldn’t make ends meet while setting aside money for the IRS to pay your taxes. Even some corporations face hard times and have gotten into hot water with their taxes.

Nationwide Debt Reduction Services is a debt reduction service provider with ongoing relationship with most creditors. Our team has successfully negotiated on behalf of thousands of clients. While each situation is unique, we have seen outstanding balances reduced up by more than 50%. With this type of reduction, we are able to help you be debt free in a short period of time. We ONLY charge a fee AFTER you have received a settlement. Allow our trained debt relief experts to give you a free, no-obligation consultation. Our team can help you review your debt situation to see if you qualify for debt relief.

There’s no doubt you want to do the right thing and pay it but you just can’t. If you could have you would have by now. IRS agents are probably “on your back”, and it seems there’s nothing you can do to get them off. It could be they’ve “reposed” your vehicles, put a lien on the family home, filed embarrassing public tax lien notices and even put a freeze on your bank account(s). In short order, they’ll be garnishing your wages and leaving you with next to nothing to live on, if they haven’t already.

No Early Mornings or Late Night Calls

You know, sometimes a debt collector may not call you before 8 a.m. or after 9 p.m. (in your time zone) unless you specifically ask them to call during these times. And whatever debt you may owe, you still have the right to a quiet morning and a quiet evening.Keep in mind that debt collectors can contact you by phone, letter, email or via text message, but it’s the calls that are restricted during this time. The Fair Debt Collection Practices Act does not specify any restrictions about receiving text messages, as they weren’t around when the act was passed in 1977.

Take a Look at Your Budget

After you have collected the information about your debts, you should take a look at your monthly budget. Write down your monthly income after taxes and subtract your rent/mortgage payment from this amount along with other monthly expenses such as childcare, student loan payments, insurance, utilities and groceries. And also, once you have subtracted all of your expenses, calculate how much you have left to pay off your debts. If this amount is too small, look for ways to reduce your spending. Consider turning off your cable subscription or carpooling as ways to cut back temporarily. The more you can pay toward your debts each month, the sooner you will be debt-free.

You Must Evaluate Your Debts

We all know Americans have $945.9 billion in outstanding credit card debt, also known as revolving debt, according to August 2016 data from the Federal Reserve. And that means that, based off the most recent population numbers in the U.S., the average American carries nearly $4,000 worth of credit card debt. It’s important to know where you stand before you start reducing your debt, since the amount of debt and the type of debt you have will impact the options available to you.

Start Negotiations

While you are starting to follow your repayment plan from Step 3, you should contact your creditors and lenders to see if you can improve the terms on your debts. You may be able to lower your interest rates or negotiate a reduced settlement on some debts by speaking with the customer service department. It is especially easy to negotiate the terms of debts that are charged off (dismissed) by the creditor or in collections already. Also think about moving some of your credit card debts to new accounts with lower interest rates. Moving a balance to a credit card with a 0% introductory rate for 6-12 months can help you save a lot on interest. Just be sure to keep each of your credit card balances below 30% of the credit limits to avoid damaging your credit score. During this time, investigate if consolidating your debts into a personal loan or home equity loan could help too.

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Artificial Intelligence: The Next Big Thing in Technology

You know, I think it’s impossible to read about technology today without running headfirst into artificial intelligence (AI) and the topics under its umbrella: autonomous driving, machine learning, deep learning, ethics/law/regulation, military applications, healthcare, FINTECH, and even customer experience. At that second level, it’s startling how much one encounters China and its extraordinary investments in artificial intelligence. Chinese advancements are fascinating, but for me, at least, also downright worrisome — what I’ll call my “fascinated skepticism”. Please enjoy the articles below as you head into the weekend.

The Best in The Technology Industry

Blake Rubin is a driving force in the tech industry. He has a natural ability to understand the complexities of artificial intelligence. The major advances in machine learning software began in 2014. This led to software designed for machine learning, new techniques in biotech and breakthroughs in computing. This was the period when he began to establish his career in the tech community. He believes software creating artificial intelligence will become a reality in the not too distant future. His research and expertise on the subject have helped make major strides in the field.

Attractive young man doing some social networking on his phone while taking a break at a smoothie shop

Artificial intelligence is being used in the development of new products such as apps, smart technology, and virtual assistants. This technology is additionally enabling the user to find solutions to incredibly difficult issues. Blake is interested in the field concerning deep learning. This can be defined as processing data with simulated neurons. The main focus of deep learning is imaged because although they are easily understood by humans, it is extremely difficult for software to be given the ability to decipher an image.

And regardless of whether you’re a diehard tech fanatic, always after the latest devices, or a laid-back “average” consumer, if you’re like me, you can’t help but look forward to the tech developments and trends that lie ahead. After a year with surprisingly high sales for smart speakers and virtual reality, as well as the debut of several new phones and tablets, I’ve spent the last several weeks looking ahead to the possible trends that will unfold in 2018.

And also, as a marketer, my perspective often turns to how we can use these new technologies and trends to better communicate and connect with our audiences, but general tech trends hold much more potential than that—they have the capacity to change how we live and interact with each other.

So what will the biggest tech trends of 2018 be, and how will our lives change, accordingly?

AI permeation. Artificial intelligence (AI), largely manifesting through machine learning algorithms, isn’t just getting better. It isn’t just getting more funding. It’s being incorporated into a more diverse range of applications. Rather than focusing on one goal, like mastering a game or communicating with humans, AI is starting to make an appearance in almost every new platform, app, or device, and that trend is only going to accelerate in 2018. We’re not at techno-pocalypse levels (and AI may never be sophisticated enough for us to reach that point), but by the end of 2018, AI will become even more of a mainstay in all forms of technology.

AI will become a political talking point.

We all know that while AI may help create jobs, it will also cause some individuals to lose work. For example, Goldman Sachs expects self-driving vehicles will cause 25,000 truckers to lose their jobs each month, as reported by CNBC.

And also, if large warehouses can operate with just a few dozen people, many of the 1 million pickers and packers currently working in U.S. warehouses could be out of a job.During the 2016 election, President Trump focused on globalization and immigration as causes of American job-loss, but during the 2018 midterm elections, the narrative could be about automation and artificial intelligence, as more working-class Americans struggle to adjust to the new landscape.

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3 Tips for Finding A Mobile Phone That’s Great For Gaming

While most people want to use their mobile phone to make and receive calls and texts, the ubiquity of smartphones have increased the need for even more features on your phone. From social media and Internet access to staying connected with your business needs, people now need more output than ever from their phones. But for those who are looking to use their phones for gaming, you want to make sure that your phone is going to support whatever games you choose to download and play. So to help ensure that your device can keep up with you, here are three tips for finding a mobile phone that’s great for gaming.

Think About Hardware and Software Equally

The hardware and software of your phone are equally important when you’re looking for a device that’s going to be good for gaming. According to Mark Knapp, a contributor to TechRadar.com, you should consider things like chipsets, RAM, graphics chips and more when looking at what a smartphone has to offer you in your game play. Additionally, you should also look for a device that has your future use in mind, meaning that it will be able to last you more than just a few months of play before you need to replace or upgrade your device.

Consider How It Works With Apps

Different phones and operating systems are going to work differently with various apps. Depending on the apps that you’re wanting to download, you’ll likely want to choose a specific type of phone and operating system. To help you make this decision, Jake Peterson, a contributor to GadgetHacks.com, shares that not all phones and operating systems have a great reputation for getting the initial releases of certain apps. So if you’re wanting to get something at its release date, you’ll want to be sure you’re using a device that will be able to support that gaming app.

Prioritize Your User Experience

What it really comes down to is finding a phone that you love and can enjoy playing your favorite mobile games on. This means that you’re going to want to find a solution that allows you to have the best user experience. If having a good user experience means that you’re able to play the game on various devices, Dan Price, a contributor to MakeUseOf.com, recommends going with games for iOS. But if you don’t like using Apple devices, choose Android or another option that’s going to be more to your liking.

To help you find the right smartphone for your mobile game playing, consider using the tips mentioned above to help you make the best decision for your particular set of interests.

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Jim Cramer Views Restoration Hardware as Model for High Stock Prices

If you want to see the hottest financial news that’s trending today, Check out this recommended article below.


ETF Trends•June 14, 2018

This article was originally published on ETFTrends.com.

Jim Cramer, founder of TheStreet and host of CNBC’s Mad Money used Restoration Hardware as the model for a recipe of higher stock prices.

Cramer told TheStreet that the key ingredients for a higher stock price include a robust consumer, a big short position in the stock and sharply better-than-expected earnings per share–all factors inherent in the Corte Madera, California-based home furnishing company.

In particular, Cramer was effusive in his praise for Restoration Hardware CEO Gary Friedman who took over the company in 2001 when it was on the verge of bankruptcy before helping to turn it into the powerhouse that it is today.

“Gary (Friedman) is a remarkable merchant,” Cramer told TheStreet. “His stores are not stores; they’re galleries and it’s exciting and we’ve used a lot of his stuff. Gary has got a vision and he’s got a way to run a company. Congratulations, Gary–you really did it. The stock’s not done going higher.”


Related: Jim Cramer: How to Diversify Your Portfolio
Restoration Hardware is currently trading at almost three times its stock price compared to a year ago. As of 2:00 pm Eastern, RH was up 0.07%.

ETFs with a large percentage of Restoration Hardware are worth a look, including Invesco S&P Small Cap Cnsmr Discret ETF (PSCD) , Invesco S&P SmallCap 600Â Pure Value ETF (RZV) , and First Trust Small Cap Val AlphaDEXÂ ETF (FYT) .

Click here for more equity-related ETF news.

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Hot News That’s Trending Today

If you want to see the hottest news that’s trending today, Check out these recommended stories below.

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Top Investment Plans for Senior Citizens

Retirement is a phase of life that everyone looks forward to living comfortably. Individuals start planning for their finances early or at least before the retirement phase peeps in. There are various concerns when doing investment planning post-retirement. The major challenge is that the source of income is limited and the options for taking risks are less. Despite that, one needs a surplus amount to meet their sustenance needs.

Hence, it is advisable to look carefully for investment options based on your post-retirement financial goals and needs. If you are a senior citizen or on the verge of retiring, you may consider investing in schemes below.

1.Senior Citizen Savings Schemes(SCSS)

The scheme is specially tailored to meet the financial needs of senior citizens and hence should be considered as a part of your investment portfolio. The primary criteria to be eligible for the scheme is to be above the age of 60. It can be availed from any bank or post office. The maximum investment allowed in this scheme is of Rs 15 lakhs at the interest rate of 8.3% annually, which is reset every quarter. The scheme is covered under tax benefits of Section 80C up to Rs. 1.5 lakhs.

However, the investment is locked in for five years, which can be extended further up to 3 years. You can make premature withdrawals in this scheme. For early retirees, the funds should be invested in SCSS within a month of receiving the retirement funds.

  1. Fixed Deposits

Another popular choice for senior citizens when it comes to investing is FD. In case of fixed deposits, banks, as well as financial companies, offer competitive interest rates to senior citizens. FDs score high on safety and security of funds with a good amount of returns. FD’s with longer tenure have higher gains and benefits, but you can also invest in it for short-term needs.  Unlike other schemes, FD provides flexibility to invest in tenure ranging from 7 days to 10 years. Moreover, with Bajaj Finance, senior citizens get an opportunity to avail 8.20% interest on their investment as compared to other investment options.

  1. Post Office Monthly Income Scheme(POMIS):

POMIS is a five-year investment scheme by Indian Post where an individual can invest up to Rs 4.5 lakhs and Rs. 9 lakh in a joint account with a minimum investment starting at Rs 1500.  The interest rate offered in this scheme is 7.8% annually, which is payable monthly and is fixed for a maturity period of up to five years. Though this scheme does not qualify for any tax benefits, it is considered to be ideal and safe investment scheme for senior citizens offering higher yields with stable returns.

  1. Mutual Funds

Mutuals funds signify risks, though this option is known for their higher returns on investment when invested in right equities. The interest may go as high as 20% in mutual funds with the associated risk factor. So, it is always advisable to start off with investing in low risk mutual funds and then move on to higher risk high-performance mutual funds. Depending on risk profile, one may consider investing a percentage of their funds into equity mutual funds(MFs) due to their nature of high returns. While you take risks, one way of reducing the risks is to diversify the investment portfolio across a variety of industries. Debt funds are another good alternative for senior citizens due to their obvious liquidity.

  1. Tax Free Bonds:

Bonds are securities issued by government-backed companies or projects like Indian Railway Finance Corporation, Power Finance Corporation Ltd or National Highway Authority of India to raise finances with reasonable interest rates. The interest earned on these bonds gets credited to bond holder’s bank account. One can also trade these tax-free bonds as they are listed as securities on the stock market.  Currently, tax-free bonds of top rated public sector companies on an average offer a yield of 6.4-6.5 percent. As the investment period is longer ranging over 15 years or more, one must plan in advance to include tax-free bonds as a part of their retirement plan.

The last thing you want to worry about post-retirement is the shortage of funds. Hence it is best to plan and opt for the best investment plans that suit your needs. A right investment planning boosts your income but can give you the perks of retirement life that everyone hopes.

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SMS Extension And SMS Software For Magento Platform

Business Marketing

SMS increases the experience of feel good for any client selecting to purchase at your Magento store. From alerts that a particular order has been obtained and sent, to transcribe thank you messages and unique offers, SMS attracts, sustains and intensifies the association amid your product and your clients.


A Magento SMS extension may be incorporated into the Magento online store, allowing merchants to provide with an outstanding shopping knowledge to the clients. Various new extensions are introduced in Magento that allows you to increase your online store. The SMS extension includes important features that assist in managing clients and arrange reward points through SMS.

Magento MSG91 SMS extension comes with a capability of sending the individual alert messages to the clients. It is responsible for sending out text messages straight to the clients at the time of order position changes.

Any knowledgeable Magento service provider may be used for setting up this limited extension on your site. This would definitely come out beneficial in a business like merchants may stay associated with clients everywhere in the world.

This extension dependent on the SMS attribute on order checkout offers various advantages for the mercantile. They are:

  • Message activities may be signed for later authentications
  • A number of characters each message may be specified
  • SMS sender identity may be specified
  • Message would be delivered if clients get remuneration points

Features

  • Client would get notification SMS straight on their mobile phone on order position change.
  • The SMS would be delivered to the customers for – Order Shipped, Order Place, Order Cancel, Invoice creation, Order on Hold, Credit Memo, and Order Un-hold.
  • Codes are freely available and it may be personalized simply.

Differently, SMS marketing is a process that employs permission-based SMS to extend marketing messages. To get text message offers, latest product changes or more details, clients are generally needed to subscribe to an automatic arrangement by sending a primary shortcode. When a five digit code is sent, that user’s mobile number is then accumulated by whatever SMS software is providing the messages. A verification reaction is generally delivered like receiving for subscribing, with an unsubscribe code involved for prospective opt-out.

Generally, the aim of SMS marketing is to create a list of subscribers to improve client trustworthiness. When integrating close assortment marketing techniques, SMS are a perfect method of alerting people in your neighborhood of any instant offers, with not having to employ push-alert apps. More than telling your clients of future deals, it may also be the best method to deliver reminders for future events and connect your clients by surveying their views. If you have been looking for marketing strategy that is lightning fast then SMS will prove out to be your best bet. You can easily put your message into the pockets of your subscribers’ in seconds. From sending to being received, the average time taken by SMS services and mobile carriers is not more than 7 seconds. No other marketing strategy can match SMS swiftness.

Various delivery platforms let simple segmentation and administration, so the most applicable SMS may be delivered to people who are most probable to change. It is also favorable that it has a tendency to be less costly when evaluated with different methods of allocation, creating an economical mobile marketing solution.

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