Money and Technology

Saving, investing and making money with technology

Outsourcing Can Save You Money – We Show You How

Outsourcing – the practice of hiring third parties outside of your business to do some of the tasks that are required for you – is expensive. It’s a waste of time. You can do it all, and if you can’t, you can learn. Or you can delegate to staff members who can also learn what to do. Isn’t that the case? Won’t you be saving money by doing this?

The answer is not necessarily. If you outsource the right tasks to the right people, you can actually save your business money. Read on to find out how this seemingly impossible statement could be true for you.

Hiring People Costs Money

When you first start your business, you might assume that, at some point further down the line, you will need to hire people. It seems like a natural progression from being a sole trader to running a company that has a variety of staff members. Hiring people, however, can be an extremely expensive thing to do. You need to pay for:

  • Advertising the position
  • The time it takes to read resumes and interview people
  • Fees to recruitment agencies
  • And eventually salaries and the tax implications that go with this

You are also responsible for other people’s financial well-being because you need to make sure they are paid each month without fail. If the business has a difficult patch or is seasonal, this can be difficult.

When you outsource, you only need to pay for the time you use, which means that you can put the work on hold, or even do it yourself (assuming you have the skills) if money is tight. You can’t do that with someone’s salary.

Training Takes Time (And Money)

Training up your staff so that you can delegate tasks to them might sound like a good idea, and in some cases, it will be if that member of staff can then use those skills to improve the business. If the task they are being asked to do is a one-off or rare thing, the time taken to train them up will far outweigh the value of the task itself – it will be less expensive to outsource these specialist tasks, which could include PCB making using CircuitStudio, gathering market information, creating a logo, or even adding signage to your storefront.

You Won’t Lose Focus

When you have a thousand different tasks to do, you can easily become overwhelmed and lose focus. This, sadly, costs your business money because you end up getting nothing done at all, or you start to cut corners in order to complete jobs and move onto the next. This can easily ruin your company’s reputation and have a major negative impact on sales.

Although delegation is hard, as businesswomen Jessica Jackley says, “Deciding what not to do is as important as deciding what to do.” That is, knowing what you should be outsourcing so that you can focus more on the tasks you are able to do well is crucial – do this, and you will grow your business, even if you are paying an outside company for their particular skills.

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How to Start an Online Clothing Store

In the event that you are considering building your very own web based apparel store it could be overwhelming and daunting. Be that as it may, on the off chance that you are up for a challenge, study this guide as it will disclose to you all have to think about getting your apparel store on the web. And you might not need to purge your pockets to do as such as well!

Test and pick your online store developer

Online store manufacturers give you a chance to begin selling on the web at a small amount of the cost you would pay for a couple of shoes. You will have to join to a web based business plan to associate with payment processors enabling you to take payments from clients when you begin selling garments on the web. And being simple and prudent to utilize, online store manufacturers will likewise deal with all the specialized stuff so you don’t need to. You can begin offering garments online right away without agonizing over security overhauls and hacking dangers. Online store developers additionally give a SSL authentication to the new funded Apparel companies in United-States

Choose which plan is best for you

Online store developer premium designs, as most things throughout everyday life, will in general show signs of improvement with the more amount of money you will spend. The more you shell out the more stockpiling and formats you will approach. When one says stockpiling they are not talking physical capacity such as a distribution center, but rather data and information stockpiling. The more stockpiling you have, the more videos, pictures and other media you can have on your site which people can relate with.

Pick your domain name

A novel domain name gives your garments store a personality or an identity on the web. Consider it like the postal code of a physical store – it recognizes where you are and enables individuals to discover you effectively. To buy a domain name, either you can go straightforwardly through your online store manufacturer, or you can buy your very own through various organizations. Picking a domain name can be dubious on the off chance that you don’t yet have an organization name for your internet apparel store. First think about an organization name for your Apparel business companies in United-States and your domain name will develop normally from that point.

Pick your layout

You can make a delightful and expert online dress store in a matter of seconds on account of the professionally planned templates accessible from every one of the manufacturers, and you don’t have to discover that remote dialect of code to do as such! Your template decides the look and feel of your online store, so settling on the correct choice is critical. Obviously, you can modify your format in the wake of having picked it, however your decision forms the premise of the plan and design of your store.  

Modify your Template

To truly customize your online apparel store, you have to tweak your layout. Try not to stress, this is super simple to do and doesn’t expect you to realize how to code by any stretch of the imagination.

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5 Ways to Get Monthly Income When you have Retired

While saving can help you access a corpus of funds during your retirement, having a regular income can put your pocket and mind at ease to continue living your usual lifestyle without any financial restraint. Your monthly income need not end with your employment years. You can still receive a regular monthly income by making smart financial moves. You can do this by investing in schemes that offer returns on a regular basis.

Look at 5 such Investment instruments that offer monthly earnings.

  • Senior Citizens’ Saving Scheme

This scheme is a popular choice and is available only for early retirees and senior citizens. If you are above the age of 60 years, you can easily avail this savings scheme from your nearest bank or post office and receive earnings every quarter. If you are an early retiree, you will need to invest in this scheme within 1 month of receiving your retirement funds. This scheme has a five-year tenor and you can choose to extend it for an additional 3 years at the end of the tenor. You can also avail tax benefits under Section 80C and invest up to Rs.15 lakh in a Senior Citizens Saving Scheme. The current interest rate for the SCSS is 8.3%.

  • Post Office Monthly Income Scheme

This scheme allows you to invest up to 4.5 lakh as a single account holder. The current interest rate of this scheme is set at 7.3% and though this is the annual rate of interest, an average of this is paid monthly. However, the interest earned under this scheme is taxable. You can also plan for the interest to be credited to the savings account you have with the same post office instead of having to visit the branch every month.

  • Fixed Deposits

Fixed deposit for senior citizen offer you safe and guaranteed returns and are better than your savings account in terms of earnings. With the option of non-cumulative deposit, you can choose your interest to be paid out every month, or other periodic intervals like quarterly or annually. In order to gain from higher returns while still opting for a safe option like a Fixed Deposit, choose to invest with an NBFC like Bajaj Finance.

Here you can find FD interest rates up to 8.75% that increase by 0.25% upon renewal. Additionally, you can use online account management to keep a track of all your details. Also, you can invest as low as Rs.25,000 to start your FD. Moreover, you can use an FD calculator to predetermine your returns in order to add efficiency to your investment planning.

  • Pradhan Mantri Vaya Vandana Yojana

Devised specially to benefit the senior citizens, this scheme offers you an interest rate of 8% that is payable monthly. This scheme is available up to 31st March 2020. At the time of purchase, you can choose the payout frequency from options like monthly, quarter yearly, half yearly or annually. The policy term for PMVVY is 10 years. Here, the minimum pension per month starts at Rs.1000 and the maximum pension per month can go up to Rs.10,000. However, the maximum investment limit for this scheme is Rs.15 lakh. Also, this pension scheme is exempted from GST or service tax.

  • Mutual Funds

In order to gain regular income while still gaining from high returns through mutual funds, you can opt for debt mutual funds and choose the monthly dividend option. These mutual funds allocate only 10%–20% of your capital into equities while the rest is invested in safe bonds or debt instruments.

However, it is essential to remember that the returns from these mutual funds may not be as high as regular mutual funds as there is a lower risk involved. Additionally, you can invest in a systematic withdrawal plan that allows you to withdraw a fixed amount on a regular basis. You will also need to choose the date, amount and tenor in advance for this scheme.

So, consider the above options to continue receiving monthly income post retirement too.

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How to find the best and most reliable Car Insurance Company near you

New car owners often wonder ‘How can I find the best car insurance near me?’. Though there are many car insurance companies it is important to choose the right one. According to data released this year Americans are overspending 21 billion dollars on their car insurance. Since this is the case it is important to take as many measures possible to find a good insurance provider. The right car insurance company will give you proper coverage at a reasonable price.


Interestingly enough there are going to be quite a few changes in the insurance industry due to the imminent adoption of autonomous cars by 2025. Before those changes occur, understanding how one can find the best company is important.

Hunt for the best insurance companies

As far as auto insurance goes, it is a major cost that one has to pay. It is essential to make sure we are entrusting the insurance cost to a company that is worth paying to.

Insurance truly has a significant effect on the cost of keeping a car. Moreover, individuals can be deceived into believing that an insurance company is the ‘cheapest’ one out there because of marketing. Due to these factors, it is important to research as many options as possible. After all, a hunt for a better company and deal is one of the simplest steps that can be taken

Since big auto insurance companies might be charging too much to you for your policy. Don’t forget to properly research the rate offered by smaller players in the industry.

Make sure the auto insurance company has a license

Any insurance company who wants to offer auto insurance in a state must have a license. Auto companies have to go through a process of fulfilling certain requirements which may differ from state to state. A license adds authenticity to the company as it is verified by the department of insurance. To find out whether the company is licensed for your state you can check this website.

Though a company might seem pretty authentic legit, double-checking whether it is licensed is important.

Have a look at the company’s rating and reviews

The internet has provided consumers with a great number of ways to evaluate a company’s reputation and performance. Reading up on consumer reviews about the company is one way to find clues.

It might be overwhelming to face this information without knowing what clues to look out for. Some aspects that should be considered while evaluating reviews include the claims process and customer satisfaction. Having an idea about the financial position of the insurance company is also needed.

In general, when a company is rated well, it can be considered a good and reliable option. This does not mean that comparing the options is unnecessary. In fact, comparing the options provides you with the best chance of finding a better company.

There is a good news to look forward to. In general auto insurance claims satisfaction is at its all-time high. What this indicates is that insurance companies are doing a good job in customer care.

Review relevant information provided the State Department of Insurance

Did you know that you can find useful information thanks to the State Department of Insurance? Many individuals are unable to take advantage of the information which can guide us.

Finding up relevant information from the State Department of Insurance’s website is important. One aspect to especially look out for includes the ‘Valid Consumer Complaint Ratios’. This ratio provides us with insights as to how many valid complaints about the insurance company have been submitted to the state. In genera,l the more the complains, the more the reliability of a company is compromised.


When it comes to reliability a lot of information is readily available on the internet. All you need to do is be patient and find it.


To sum it all up, you need to make sure you find the best and most reliable car insurance company out there. There are multiple resources available online that can guide you in this process. Though it might seem that analyzing the large amount of information available is difficult, a baseline can help us better understand companies.

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Bring in Technology to Manage Medical Tasks

This is the era of automation where the technology has taken hold of almost every job that has made the tasks simpler and easier than before. The latest buzzword all through the majority of industries happens to be RPA or robotic process automation. Subsequent to the success in a lot of sectors, robotic process automation tends to be highly needed technology which is being quickly taken up throughout industries since it provides a multitude of advantages.

At whatever time you listen to the word RPA or robotic process automation, the majority of individuals assume robots are replacing humans. Nevertheless, it is not totally factual.

Robotic process automation in the form of technology is gradually achieving recognition in a broad assortment of industries that includes RPA in healthcare also. Nevertheless, as opposed to retail and banking which happened to be amid the first to take up these technologies, it was the healthcare sector that took some time to take up RPA. The current pressures such as rising expenses have necessitated the need for taking up robotic process automation to reduce costs and minimise wastage in carrying out healthcare services.

Healthcare makes certainly one domain where this technology tends to simplify operations. RPA or robotic automation in healthcare has made possible for those in this sector to switch manual, burdensome, and time-consuming task to robots from humans, hence attaining outcomes.


A case of robotics process automation adoption

As per a report revealed by Healthcare Leaders, it has come to fore that three hospitals out of four and CEOs of health systems quote decrease of overall overhead and enhancing effectiveness which happen to be their two prime financial preferences. The healthcare sector is constantly searching for boosting effectiveness, computerization of manual tasks and decreasing costs may be a crucial factor relating to the general strategy for the improvement of performance.   

Application of robotics process automation within the healthcare sector

Savings on manpower

Machines are capable of banking a considerable amount of time. Utilising automation will replace manually repetitive and acute tasks that used to be undertaken by humans. It may not drive out employees totally but will make possible their work for advanced roles that shall be befitting for them.

Save the environment or eliminate waste


In keeping up the records in the hospitals, you may come across manual entries which happen to be entered into, sheets, registers, and entries made within electronically kept up databases. The adoption of robotic process automation assists decrease the handling of stationery, and also aid companies depend less on paperwork. It will lead to minimise the wastage and preserve the environment.

High throughput

By making use of robotic process automation, people in healthcare may be better furnished to handle the rising number of patients which can be hard to tackle when handled totally by humans. A multitude of patients may be taken care of by a meagre number of employees in the medical sector, in this manner permits the hospital employees to look after various other crucial areas. This can permit employees to scale up.

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Step up your Fitness Regime: A Guide to Supplements

Keeping yourself healthy and fit often is not just a one-time thing. For many, it’s their life and blood and for many others, they want to get the most out of it. Regardless of which category you may fall into, in order to reap the gains of your work-outs, supplements are a huge benefit.

For many who frequent the gym, supplements are a necessity. Among the wide array of choices today, it is paramount to understand the top supplements for muscle gain available to you. In the following parts, you will see supplements that you can take along with your diet as well as ones produced naturally by your body as well.

Before we begin, in order to figure out the best product for muscle gain, you will also do well to know the three criteria for maximum muscle gain. Once listed, you will see that they are rather simple and logical.

  1. The first is to eat more calories than you consume them.
  2. The second is to have more protein intake than that you break down
  3. The third is to follow a regimen that provides a challenge for the usage of your muscles.

To begin, one problem many body builders might face is not gaining enough calories from normal food. To combat this, weight-gainers are an excellent choice. Several weight gainers have found their place in the market and they serve as both calories and protein. This is because they are calorie-rich. However, if you struggle to gain protein and your protein intake isn’t meeting the ideal qualifications for muscle building, protein supplements are a good investment. It is important to not that if one is already gaining enough protein through their diet, this is completely unnecessary. Yet, it is also of significance that protein supplements are one of the top supplements for muscle gain.

Creatine supplements are also big players in the muscle game. Being produced naturally in the body, supplements can raise it well beyond 30% from its normal levels. But if you are just beginning to get into body and muscle building, and just started with a regimen, the Holy Grail is HMB. HMB stands for Beta-hydroxy beta-methylbutyrate. HMB also helps those who are steadily increasing their work-out intensities.

Some other supplements many regard as their best product for muscle gain also include BCAAs- Branched Chained Amino Acids that help with growth of muscles if you are not consuming enough proteins, Beta Alanine that helps you with performance, and for those with low testosterone levels, testosterone boosters come in handy as well.

In conclusion, for those who are looking to sculpting their body and increasing muscle mass, finding out the right products is important. And the top supplements for muscle gain may vary depending on which qualification they may or may not clear with their regimens and body make-ups. However, through much studies, it is a commonly seen idea that an optimum amount of protein is needed and enough calorie intake and burning is also ideal.

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Many Benefits and Uses of A Storage Unit

The self storage industry provides various facilities to cater to the needs of the people. In case of lack of space in your house, you could hire a furniture storage units oklahoma city to store the unwanted furniture for later use. This will help you get more space in your house and will not give you a cramped look as well. The main advantage of the unit is the cost-effectiveness. It’s very easy to hire it and it does not involve big documentation or lengthy procedures.

  1. A mover’s convenient back-up plan. Say you’re about to move to a new home, back with your new family or you’re a student moving into your college dormitory. Whether it’s a planned change of address or an unforeseen circumstance, a self-storage unit can help ease that worry about getting all of your things from one house to the next – especially if you are making the move on a limited time. Renting a self-storage unit for a month or two will help ease the stress and worry about renting a big van just so you can haul out your stuff in one day and then finding out that there is not enough space in the new home.
  2. When you’re renovating or remodeling your house. Self-storage units are a great help when you need to secure your valuable property for a short period of time while you’re repairing or expanding a section of your home. Most of the self-storage facilities these days are equipped with state-of-the-art security systems so you can have peace of mind that your stuff is protected.
  3. Start and keep your own collection. If you have a growing collection of artwork, photographic equipment or anything which you feel needs a special place that your current home does not have, renting a self-storage facility can be a practical solution. There is a growing number of self-storage facilities designed to hold special collections of items. They can be built underground for sub-zero temperatures, with sound-proofed or shock-proof walls, climate-controlled or computer monitored. There are even self-storage units that are designed like wine cellars complete with a wine-tasting section. You don’t have to worry about incurring expensive construction costs in your own house but still keep your collection protected from the elements.
  4. An affordable extension of your garage. Dreaming of buying a boat but don’t have the space in your property to put it in? Using your garage for other things than parking your cars? Consider a self-storage unit. They are affordable alternatives to building a second garage. Aside from this, you can rest assured that they won’t be stolen or vandalized unlike if they’re just covered with a tarp and parked in front of your house.
  5. Warehouse space for your small business. Small or start-up businesses like catering, selling food stuff or even selling online can benefit from a self-storage unit which will hold the extra inventory of goods you can’t store in your house. With a self-storage unit you can keep track and monitor what goes in and out and arrange them according to your business needs.
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Importance of Ceiling Fans in Life

In this digital arena, ceiling fans do have their importance. If you think in the presence of other appliances, the charm of ceiling fans is diminishing then you need to think again. You can have the ceiling fans that make your space cool, comfortable and stylish. Of course, stylish fans would add up to the beauty of your space for sure.

You can have the Top stylish ceiling fans online for your office, house or any space.t the variety in fans is no less in the present time. You can find whatever you seek and that too without any type of compromises. After all, 21st century is all about your choices, preferences and wishes. Whatever you need, you can get it all.

You would agree that the cheapest and the easiestway of cooling in warm countries like India is by making use of ceiling fan. Ceiling fan does not really diminish the space air temperature but rather circulates the air within the room that creates a cooling impact. By making use of ceiling fan, you can reap various benefits like:

  • Ceiling fan makes room or any space windy and breezy.
  • Ceiling Fans can enhance the decoration of the rooms and at the same time they deliver reliable and well-organized performance.
  • Ceiling fans are cheaper as a beginning investment than an Air conditioner. The power consumption of any ceiling fan is even meaningfully lower than an Air Conditioner that will diminish your power bills.
  • During the times of power cut, ceiling fans can be very easily utilized with a regular battery backup as compared to an air conditioner.
  • In case air conditioner is the main source of cooling, ceiling fans can perform as a gridlock in case there is a failure in the Air conditioner.
  • In the nations like India, flies, Pests and mosquitoes is a problem or issue that every family deals with. Ceiling fan can be helpful to get rid of these pests and insects.
  • When you compare it to a pedestrian or table fan, ceiling fan is a safer option because it is installed on the ceiling and hence it is out of the coverage of child.
  • It would be true to say that ceiling fan has a great variety to pick from compared to any other type of cooling appliance.

The point is that you have to make a choice as per your need. You can find a ceiling fan in different sizes, shades and designs. These are a lot more exciting and stylish than the previously used ceiling fans. They keep the rooms and space airy and comfortable at the same time.  Even if you want a ceiling fan for your kitchen to keep the environment therein comfortable, you can have that too. There are small sized fans for such tiny areas.


So, you can look for cheap ceiling fans online India and make sure that all your rooms, areas and spaces stay cool, comfortable and airy!

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Bose Home, Soundbar and Bass Module: Review

The reviewer has been compensated in the form of a Best Buy Gift Card and or received the product service at a reduced price or for free.

You know we at Money and Technology love watching great movies, upgrading technology and of course using Alexa. Once before, I was kind of nervous about using it, but, now that we have implemented it, I think it’s great and I am having a fun time using it. So, today we are going to talk about our next technology upgrade which is the new Bose Family of technology fun time!

Super Base Sound

Unlimited entertainment possibilities. The new Bose family of smart speakers and soundbars has built-in voice control from Amazon Alexa that puts millions of songs at the tip of your tongue. And with Wi-Fi® and Bluetooth® compatibility, you can wirelessly stream whatever you want, however you want. Plus, future software updates will add new features.

Control goes way beyond voice

Enjoy one-touch access to the music you love or manage it all from the Bose Music app. Want more music in more rooms? The new Bose family of smart speakers and soundbars works together. The Bose Soundbar 700, designed to be the world’s best soundbar, delivers an unmatched combination of sophisticated design and exceptional sound. The stylish Bose Soundbar 500 has a thin profile that fits discreetly under your TV, while its powerful acoustics fill the room with sound. And the Bose Home Speaker 500 delivers the widest sound of any smart speaker.

Bose Smart Speakers

Do you want more music in more rooms? The new Bose family of smart speakers and soundbars works together. The Bose Soundbar 700, designed to be the world’s best soundbar, delivers an unmatched combination of sophisticated design and exceptional sound. The stylish Bose Soundbar 500 has a thin profile that fits discreetly under your TV, while its powerful acoustics fill the room with sound. And the Bose Home Speaker 500 delivers the widest sound of any smart speaker.

Start your holiday shopping early at Best Buy and pick up this amazing Bose System today!

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