Money and Technology

Saving, investing and making money with technology

What Are Social Networking and Social Media?


aboutus-KnowBe4-BuildingNetworking of any sort involves relationships. Social networking involves being actively engaged in online conversations with other people or groups of people. Communication is multidirectional because social networking is all about connecting, collaborating, and sharing information freely.

Social media are the platforms, or channels, used for social networking. Just as radio and television are communication channels, Facebook, Twitter, blogs, and YouTube are communication channels as well. These sites are the tools used to share information, but they themselves are not multidirectional communication. They simply provide the foundation for social networking to take place.

Watch for That Lure; It’s Probably Obscured

Many small to medium enterprises (SMEs) spend a lot of time and effort marketing their brands, products, and services on social networking sites like Facebook and Twitter. Today, these social media channels are valuable tools that any SME can use to reach its target audience. The social networking environment feels safe and friendly. Because of this, our guard is down when commenting, Tweeting, or instant messaging on these sites. This is especially true when the communication is associated with a known and trusted organization.

Cybercriminals expect you to be relaxed and at ease on social networking sites. As a matter of fact, they’re dependent on your guard being down in order for their scams to work.

However, the enticing ad, the email, or the direct message from a Twitter follower or Facebook friend are all you need to become a victim. The success of every phishing scheme depends on a few things:

* Your lack of knowledge: Fortunately for you, you’re learning about the dangers lurking on social networking sites. Knowledge of the different types of fraudulent activities in cyberspace is one of your most powerful weapons against cybercriminals.

* Your lack of attention: Nobody’s perfect. Even those of us who are knowledge- able about the ins and outs of cybercriminal behavior may accidentally click a link. Many times, these mistakes result from not being alert when clicking.

A follower is a Twitter user who subscribes to another Twitter user’s Tweets. Followers see Tweets from these subscriptions on their own home page.

Paying for Services You Don’t Want or Need

Cybercriminals are experts at hiding or waxing over information to prevent you from knowing the truth. One example you’ll find on Twitter is a service claiming to get you thousands of followers quickly. This is an appealing offer to an SME wanting to build a following quickly.

The criminals say that they do this by identifying other Twitter users who autofollow anyone who follows them. They may also claim to have users segregated by interests or geographic location so you can be sure your Tweets are targeted to the right market.

Even if you’re charged for the service and the efforts are successful, cybercriminals who get you followers this way are similar to spammers who sell email addresses. Be careful accepting such offers because you could be accused of sending Twitter spam and be banned from Twitter.

Another example is work-at-home advertisements that promise to help you make easy money. You use your credit card to sign up for a modest fee. Then you’re charged a recurring monthly fee to receive additional tips, but the explanation of the amounts you pay is hidden or nonexistent. If you discover any charges, contact your credit card company within 60 days of the charge and put your request in writing in order to get your money back.

Twitter Precautions

Be extremely wary of short links that offer you coupons, prizes, gift cards, or work- at-home opportunities.

Many free services, such as Twitpic, are designed to enhance your time spent on Twitter. However, don’t assume that every service with “twitt” or “tweet” in its name is legitimate. If you’re interested in using a free app or service, search for the name on the Internet and read independent reviews first.

Facebook Precautions

SMEs should regularly review the security of their company Facebook pages and any associated campaigns. Adjust your Business Page settings and permissions, and be sure to continuously monitor the comments and discussions taking place on your Business Page wall.

In addition, listing your workplace or company affiliation on Facebook is fine as long as you protect yourself while you’re at work. Edit your personal profile application and website settings on Facebook to limit access to your information. Here’s how:

1. On the far top right of your Profile page, click the down arrow and scroll down to and click Settings, then click Privacy at the left. The Privacy Settings and Tools page appears.

2. Click Apps on the left side. The Privacy Settings and Tools > Apps Settings page appears.

3. Edit the appropriate settings to adjust who sees your information

Stu Sjouwerman, founder and CEO of KnowBe4 KnowBe4 hosts the world’s most popular integrated Security Awareness Training and Simulated Phishing platform. Realizing that the human element of security was being seriously neglected, Sjouwerman teamed with Kevin Mitnick, the world’s most famous hacker, to help organization manage the problem of cybercrime social engineering tactics through new school security awareness training. Sjouwerman is the author of four books, with his latest being Cyberheist: The Biggest Financial Threat Facing American Businesses.

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The Growing Popularity of Online Casinos


Casinos and the Internet


The widespread use of the Internet continues to transform the gambling industry. Once considered a shady practice, online gambling is now widely accepted. Every year online casinos take a larger share of the market as the money wagered online grows at a rapid pace.

Modern online casinos use cutting-edge software technology to ensure security for their customers. As online gambling has come to be widely accepted in the mainstream of the gambling industry, major online casinos now register with the gambling authorities and follow their regulations. As online casinos push for a greater share of the overall gambling market, they know that their credibility and trustworthiness will be crucial.


All of these features have combined to make online casinos a significant part of the gambling industry. It is likely that they will continue to grow in popularity in the coming years as they broaden their appeal across more of the market, and may even overtake traditional casinos as the major source for gambling.


The Growing Popularity of Online Casinos


As online casinos overcome some of their major drawbacks, there are a few key features that are making them even more appealing than traditional casinos:


• The main attraction of online gambling is definitely its convenience. Gamblers don’t need to get to a physical casino or waste money on expensive drinks and meals. They can just turn on their computer, log into their favorite online casino, and then start playing immediately.



• Modern online casinos are very new player friendly. They feature a helpful instruction page and often tutorials on how to play all the games. All players can do whatever they want at their own pace, whether they are seasoned pros or brand new to gambling. Furthermore, there is usually a customer service representative that is always available through online chat, phone or email.


• Many online casinos feature promotional offers where new players can play online for free. These promotional offers allow you to check out their various games and software, while enjoying risk-free playing. Most players use these offers to practice their techniques for free before they deposit real money into their account at the online casino.


• Most online casinos feature an enormous number of different games to choose from that will appeal to players of every stripe. It is not uncommon for an online casino to have over 100 different kinds of games to choose from.


• Many online casinos will appeal to a broad range of customers by offering alternative forms of gambling. They will allow gamblers to place wagers on tournaments or sporting events from across the world.



• The biggest concern with online casinos has always been security and safety. Fortunately, the means of certifying the validity of an online casino have improved dramatically in the last ten years.


All of these features have combined to make online casinos a significant part of the gambling industry. It is likely that they will continue to grow in popularity in the coming years as they broaden their appeal across more of the market, and may even overtake traditional casinos as the major source for gambling.



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Smiles Unlimited Dental Centre: Review


I was having a bad toothache the other day so I started searching on the internet and I found Smiles Unlimited dental centre. Smiles Unlimited dental centre is your top choice for dental implants. They are your best dentistry center in the Vancouver area. For  all of your dentistry needs Smiles Unlimited dentist centre is your best choice. They offer single tooth replacement and multiple tooth replacement. Smiles Unlimited will provide you with the best of care for your teeth. They will provide you with implant supported dentures and implant retained dentures. They do the best dental implants in the Vancouver area and they are very professional when they are working on your


They will also provide you with specialized care for your  teeth.They really do a great job fixing someone’s teeth when they need their teeth fixed with dentures. I would definitely recommend Smiles Unlimited Dental Centre to anyone. If you need implants on your teeth give Smiles Unlimited dental centre a call at ( 604.939.6111 ).

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Annuity Educator: Review

lsWhile I was searching on the internet one day for retirement insurance, because I needed some retirement insurance I came across a great website entitled Annuity Educator. They offer all types of annuity insurance. I decided to called them for a quote. They did a great job letting me know about all the different types of annuity insurance that they offer. If you need your retirement insurance and searching on the internet for insurance try Annuity Educators.

I really love the great work that Annuity Educators do, they’re the best.Annuity Educators have so many great annuities to help you with your retirement needs whenever you need them. And also they will definitely help you with annuity comparison when you are trying to figure out which annuity plan works best for you. They will make sure that you get the best annuity plan when you choose them. I am going to recommend Annuity Educators to my family and friends. Annuity Educators are truly the best at getting you the insurance that you need.

lsPlease give them a call ( 949 )-398-2200 and visit the website, too.
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The Most Valuable Big Data Certifications for 2016


The intersection between profitability and technology has never been greater than it is right now. One of the areas of technology businesses all over the world are focusing on right now is big data. Big data software and platforms are allowing even the smallest of businesses to gain the insights and intelligence they need to compete with large, multinational corporations.

In an effort to provide in-depth training and knowledge for people who want to turn an understanding of big data into money, whether that’s in terms of a higher salary or a faster-growing business, there are many certification programs available. These certifications highlight different software platforms and approaches to big data and business intelligence.

Below are some of the certifications that tend to create the most value for recipients.

Certified Analytics Professional (CAP)

The CAP certification is one that is designed for high-level analytics professionals. There is a rigorous exam that includes technical credentials, but also requires mastery of soft skills and dedication to adhering to the CAP Code of Ethics. This certificate is designed for people who are in charge of authorizing or maintaining information systems, and it includes a big focus on the ability to identify and assess risk, as well as implementing security protocols.


CPEE certification, offered by the International School of Engineering, is a globally-recognized program that includes topics such as Spark and deep learning. The areas covered by this particular certification are broad and are used in more than 95% of data science programs throughout the globe.

Tableau Training

Tableau, and more specifically, Tableau Desktop 9, is a software product that paves the way not just to analyze and explore, but also present data more quickly and in a more aesthetically appealing way. Users of Tableau can benefit from the instant visual representation of data, and can gain a deeper level of insight. Geographic questions can be answered using the Smart Maps feature, and the use of spreadsheets are eliminated with Data Preparation features. Tableau training helps participants become experts in how they use and maximize this software.

Hadoop Training

There are quite a few certification and training programs centering around Hadoop, and many of them can be a valuable way to make more money by gaining a stronger understanding of big data and its role in the business world. Hadoop is a Java-based framework that lets big data sets be processed more effectively and efficiently. Many of the Hadoop training and certification programs focus on not just mastering the skills required for optimization, but also on practical, hands-on experience.

If you’re searching for a way to either improve the revenue of your business or increase your salary through the use of technology, exploring one of the many big data-related certification programs is an excellent way to achieve those goals. Big data is clearly here to stay, and those individuals and organizations that can harness the power of big data most effectively are the most likely to be successful well.

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Building Relationships with Your Blog Readers


When you are working to turn your blog from a hobby into something that makes you real revenue, one of the most important things to remember is that it’s all about relationships. Relationships are essential when it comes to blogging success because this is what’s going to ensure you have loyal traffic, and it’s also what will allow you to strengthen you affiliate marketing efforts.

When you build relationships with your readers, they’re more likely to see you as trustworthy, which in turn means they’re also more likely to buy the products you’re recommending through your affiliate marketing program. The result? More money.

Below are some simple tips you can follow to strengthen your bond with your readers.

Give Your Readers What They Want…And Need

It’s essential that you think carefully about your audience and who you hope to target throughout every step of the process required to build a new blog. Only when you have an in-depth understanding of your audience are you going to be able to create consistent content that is valuable to them. This means your posts and content are going to solve a problem, help them achieve a goal, appeal to them on an emotional level, or give them some kind of insight that’s relevant to their lives.

Create Discussion In Your Comments

If you take a look at some of the best blogs, there’s something many have in common, and that’s an active comments section under each post. If you want to start making money from your blog, work to cultivate pertinent discussions in your comment boards. When people share their thoughts and questions, make sure you’re responding. It’s this two-way dialogue that’s going to not only help you build individual reader relationships, but is also going to show your general audience that you care about what they have to say and that you’re active on the site.

Be Authoritative

If you’re going to post something on your blog that might need an external reference link to back it up, make sure you include that. One of the fastest ways to destroy relationships with readers is to post something that’s factually incorrect, and it can completely destroy the credibility you’ve worked so hard to build.

Go Through Multiple Channels

Beyond just focusing on creating reader-driven, quality content and engaging with your readers in the comments section of your blog, it’s also important to go through other channels as well. Make sure you’re reaching out in as many ways as possible and different formats. For example, remain active on social media and consider sending out a weekly or monthly email newsletter to your followers. These are just a few more ways to put a “face” to your blog and let your readers get to know you.

As a final note, it’s important to build relationships not just with readers, but also with other bloggers in your niche, so link to their sites, work on guest posting opportunities and speak out in their comment boards as well. This will not only help you build a network of fellow bloggers, but you can also gain exposure.

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Does Your Company Need Management Consultants?

Business team discussing project with man pointing at the laptop

When you have been doing business for a while, you’d notice that you need excellent managers to get projects done on time. In addition to your in-house managers, you may have heard of certain companies hiring management consultants. Who exactly are they? Do they improve anything considering what you pay? Read ahead to find out.

Management Consultants Help Companies Grow

Management consultants are professionals who help businesses grow and solve problems that may hinder growth or performance. Sometimes, it’s difficult to spot problems from the inside. Outsiders like consultants will have keen perspectives and necessary experience to spot issues that may evade even your best in-house managers. Therefore, management consultants provide a much-needed outside eye to advance your projects.  Most management consultants work with firms like Corporate Business Solutions, so you have to enter into a contract with the firm to get a consultant. This can be quite expensive. However, you should calculate the costs based on a benefits basis. For example, consider whether hiring a management consultant can push one of your projects forward. If the project is successful and generates a lot of revenue, the consultancy would have paid for itself.

They Provide Expert Skills

Management consultants are a step above regular managers. The skilled ones have enormous experience in an industry, and may also have additional training in things like financial structuring. They can bring all these expert skills to your team and provide support. Hiring a management consultant is one of the best ways to tap into esoteric business skills. On the other hand, if you hire a full-time employee with highly specialized skills, your budget could take a hit and the employee might not have enough to do all-year round.

You Can Get Insights into the Competition

Management consultants work with many companies, so they have keen insights into trends in the industry, how the consumers are behaving and also what the competition is up to. Though a respectable management consultant will never disclose another company’s business practices to yours, and vice versa, they can still guide your strategy so you have an advantage. You cannot get that level of insight from an in-house manager.


No Feelings Involved

Some companies struggle to move forward with projects due to contentious internal politics, infighting and possibly emotional investments in business. Feelings and business do not mix well. In a situation like this, a management consultant can work to mitigate and solve the internal issues with a project and allow it to move forward. If a certain project is generating controversy, a management consultant will be able to offer sober advice to your employees consumed by internal politics.

You Get Extra Help

If a project is lacking skilled personnel, and you cannot afford to hire more, you can hire a management consultant on a temporary contract. They are available on short notice, and you don’t have to conduct thorough interviews to evaluate their skills.

If your company lacks skilled managers, have limited resources or require useful insights into projects, no one will be more useful to your business than a management consultant.

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4 Growth Strategy Tips from Business Experts


Wondering how to manage growth and implement a strategy at your young company? Here are several tips from business veterans who have done it:

1. Hire the Right Team

Nothing is more important for business growth than hiring the right people, says Paul May, founder and CEO of BuzzStream, a link building website. May says employers should have a “very rigorous hiring process” to find the right people for the company and the job. Afterwards, the company should provide adequate technical and intellectual support to these people to retain them and to allow them to be successful. There is no magic formula for hiring the right people, but extensive interviewing, checking references and looking at prior work experience would greatly help. Your company could implement an internship program to recruit the best talent fresh after graduation.

2. Any Plan is Better than Nothing

Having a bad plan is better than having no plan. This is a piece of advice widely attributed to Peter Thiel, the legendary co-founder of PayPal and one of the first investors of Facebook. What entrepreneurs can take from this piece of advice is that it’s important to plan for growth. If you worry that your plan would be bad and implement no plan at all, then the growth you hope for would most likely not happen. Don’t expect to “wing it” when it comes to the future of your company. Keep in mind that your competition will have a growth strategy even if you don’t. If you are not sure how to design a growth plan, you can always seek advice from a consultant firm like Global Resources.

3. Narrow Your Focus

This ingenious piece of advice comes from the founder and CEO of John Turner. He says it’s important to note the difference between scaling up and doing many things. The two doesn’t necessarily mean the same thing. It is possible to hurt growth by focusing on many products, which end up subpar because the resources are unequally shared. Turner’s advice is to focus on a few things that your company is really good at first. Master these core products, and then experiment with other things.That’s real scaling up.

4. Know Thy Market

Seth Shaw, the CRO of Wrike, an online project management software, cannot emphasize the importance of having a data analytics team enough. If you don’t know your market, you simply wouldn’t know how to grow. A data-driven business plan is bound to be stronger and more successful on the long than one that is driven on whims, says Shaw. In the age of Big Data, if your company does not religiously collect market data such as consumer buying habits, you’ll miss out on the opportunity to get to know your customers intimately. If you don’t know your customers, your marketing plans and new projects are bound to fail.

The last piece of advice comes from Martin Senn, CEO of Davinci Virtual Office Solutions, who encourages business owners to self fund for as long as possible. Outside investors and venture

capitalists can meddle in your business plan and the owner could lose focus, which is the worst thing that can happen to a company looking forward to growth.

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How you Can Get the Lowest Interest Rates on Personal Loan

A Personal Loan is the go-to solution for most people whenever they need a quick financial fix. They’ve long been hailed as the most convenient solution for most financial problems that come up in life. But, how perfect is a Personal Loan? Is this quintessential loan going to really fix all your financial problems and worries?

To be fair, a Personal Loan can assist you in a plethora of ways that no other kind of loan can. Be it a vacation, buying a new car, or giving your beloved the perfect anniversary gift, a Personal Loan can help you achieve all these and more. This is why, it’s one of the most easily acquired and sought-after loans.


However, a Personal Loan, although seemingly perfect, can sometimes prove to be unaffordable if you haven’t been careful while signing up for one. They’re also notorious for their high interest rates, which may burn a hole in your pocket.

So, what can a borrower do about it? Surely, you cannot just give up Personal Loans but you can definitely take steps to reduce the debt burden. Let’s find out how.

What is a Personal Loan?

A Personal Loan is an unsecured debt sanctioned by

most banks and NBFCs. An unsecured debt is one where you don’t have to submit any collateral. This means that you won’t be losing any asset if you fail to repay the loan. But, on the flip side, due to the unsecured nature of the loan, lenders will critically assess your credit score before sanctioning the loan.

Also, before you apply for a personal loan, you need to assess your repayment capability so that you don’t default in the future. You can use many tools at your disposal like a Personal Loan interest calculator, which will help you determine the loan amount you are eligible for. Applying for a loan higher than that upper limit, may lead to rejection of the loan application.

1)   Check your Credit Score

Many applicants underestimate the importance of their credit score/profile/history. Whatever you call it, this is the thing any lender would check first as a part of your loan eligibility. Think of your credit score as a judgement of your ability to repay, because it will reflect how reliable (or untimely) you are and how many times you have defaulted on payments. These things can either speed up your loan request or shut it dead in its tracks. On the other hand, a favourable credit history might even get you a low rate of interest and a tenure that you prefer. In case you don’t have good credit score then their is a way that will help you to improve the credit score.


2)  Find the Category that Suits you

There are Personal Loans that fit a multiple categories of individuals; each with their own unique features. These categories include loans for unemployed people, small scale business start-ups, and salaried individuals. More specific categories include small business loans for women, medical loan, or even a corporate loan. Read up on each category and find out what best fits the reason you need the loan. This will get you the loan at the interest and repayment tenure that best suits your financial goals.

3)   Save on Credit Card

A huge part of the reason why Personal Loans are preferred over any other kind of loan is that they can be acquired at much lower interest rates than your average credit card. This is why if you’re looking at a massive expense, it’s best to opt for a Personal Loan than to pay for it through your credit card. But keep in mind that faulting on payments could reflect poorly on your credit score. It ultimately boils down to your position as a salaried or self-employed individual and reputation for repayment or lack thereof.

4)   Tenure and EMI

These are the two most important factors after your interest rates, which will directly influence your entire Personal Loan experience. Opt for a secured loan as they tend to have lower rates of interest than unsecured loans, for the obvious reason that you submit assets to assist the bank in case of a loss or default in payment.

Tenure and EMI

A Personal Loan tenure can be anywhere between 12 to 60 months and the EMI will depend upon your monthly income, so make sure you determine them keeping all your expenses in mind. Use an EMI calculator to assist you with the same.

5)   Hidden Charges

Processing fees, operational charges, and service fee come with any loan; and a Personal Loan is no different. There may even be an origination fee so it’s important to be aware of these costs lest they creep on you and catch you off guard. Some banks/NBFCs will give you unbelievable interest rates but with outrageous handling fee, so it’s better to opt for a lender that gives you a slightly higher interest rate, with moderate to low handling fees.


These are some of the ways in which you can save more on your Loan and also reduce the rate of interest for personal loan.

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Pokémon Go Soars to the Top and Already Has Higher Engagement Than Instagram And SnapChat!

Whether you’re in on the Pokemon Go phenomenon or just enjoy watching PokeMasters walk into things on the street while they play, its undeniable that the game has seen tremendous success and engagement during its first week. What can marketers take from the new app? Read on to find out!
pikachu cat

Over the past week, our social media feeds have been flooded with mentions about Pokemon Go, the new augmented reality version of the classic late 90’s video game. The game allows you to stroll around your neighborhood, catching wild pokemon.

This morning, I caught a Charmander on my subway commute.It’s a fun and ridiculous idea that has taken over, every time I go outside I catch a few people strolling around catching Pokemon (the distraction it causes is an issue in itself).

Why should Pokemon Go matter to marketers? Well, in the five days since it’s debut in the US and Australia alone, it already has an install base larger than that of Tinder, and 60% of it’s users are active at least once a day. According to Similar Web, the new app’s daily user count is slated to exceed Twitters!

The level of engagement taking place on Pokemon Go is greater than engagement levels on Instagram, Snapchat and WhatsApp!Some businesses around the country have found that they are home to PokeStops. PokeStops are little pitstops every block or so that players can stop at to get more Pokemon catching supplies, like PokeBalls. A store in Utah, realized this and decided to use it to encourage Pokemon players to pick up a few things during their stop. There currently isn’t an option to purchase a Pokestop in your location, but it’s a pretty safe bet it’s coming if businesses are able to capitalize on it.

There is an option to buy “lures” or “incense” though. These attract more Pokemon to your location, which can guide more foot traffic to your business.Augmented Reality is being used as a marketing tool for products such as CoverGirl makeup. Holition, an Augmented Reality Retail company has created applications like a “Magic Mirror” that allows customers to try on makeup virtually in store. The key to using augmented reality is to integrate it into the shopping experience. An augmented reality app you can download on the App Store to your phone isn’t as powerful unless motivated customers are using it to make a purchase decision. Integrating the application into physical brick and mortar stores, or onto your e-commerce site is more powerful, because users made a point of coming to the store with intent to buy.  Augmented Reality is by no means applicable to every product, but has clear benefits when used strategically. Due to Pokemon Go’s success, it’s likely they’ll start presenting media opportunities to businesses. Even though it’s a silly concept, the positive reaction consumers have had to the app in such a short time is reason enough to take note.

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