Saving, investing and making money with technology

Author: tracy collins

Small Business Finances – Spend Less and Gain More

Small business owners often realize that unexpected business expenses increase their overhead costs drastically. Here are nine effective cost-saving tips that will lower your overhead costs.

If you own a small business, you must be used to unexpected expenses popping up now and then. While these might seem negligible, add them up, and you will find that you have been spending a lot more than you expected. Or, you might also find yourself making expensive purchases regularly. Naturally, spending more money than you expect is not a feasible situation. Any small-business owner would want to save expenditures and ensure profits come in. While unexpected costs are to be expected, there are some simple ways to reduce these costs.

Invest in professional liability insurance

Professional liability insurance can protect your small business venture against claims related to mistakes, negligence, and misinterpretations. Any case against an employee or your business for unsatisfactory products/services can be taken care of with professional liability insurance.

Most professional liability insurances cover legal expenses, settlements, attorney fees, and costs/expenses related to judgment. Save your business from large expenses by investing in professional liability insurance.

Switch to technology

Today, technology offers benefits that were unheard of several years ago. You will find that it can help you save money. Technology today is easily available and can work without manual intervention – so you can hire fewer employees.

Technology, like online payment services, will make it easier for your customers to do business with you. Technology like teleconference services can save you travel expenses as most meetings can be conducted via these services.

Go paperless

When using paper, it is easy to forget about the additional expenses involved like ink, pens, pencils, erasers, staplers, staple pins, postage, mailing supplies, xerox machine, and xerox machine ink.

When you move to a digital invoice and billing system and use emails instead of sending letters/newsletters, your costs on stationery supplies goes down drastically. There will be less paperwork to be filed, which means your storage requirements drop down as well.

Market your business online

There are 5.11 billion unique mobile users and 4.39 billion internet users as of 2019. These numbers are growing exponentially by the day. When you market your business online, you could get your target audience’s attention quickly. Social media too makes online marketing campaigns very successful. You will spend less and gain more attention when you go online.

Cut traditional advertising to a basic minimum and concentrate on low-cost/free online alternatives. Also, instead of concentrating on simply advertising, focus on inbound marketing.

Reduce credit card debt

In the short-term, you can successfully and immediately reduce business costs by charging business expenses to a credit card. But, if you look closely at the interest rates and other fees associated with credit card use, you will find that they add up to a neat sum. If you reduce credit card debt, you can save costs on interest and other fees.

Manage your business cards more effectively. For instance, make use of rewards. Ensure you don’t mix your business expenses with personal expenses. Keep a record of all your business financial dealings. Review your business card statements immediately and regularly to ensure they are in order, and there are no discrepancies. Finally, ensure you keep an eye on your cash flow.

Cut down on office space

If you rent an expensive office space, you could consider moving to a more reasonably-priced one. Another option is to run your business from home and save money on taxes and utilities. Today, the number of work-from-home employees is on the rise. Getting employees to work from their homes rather than hiring an office is an efficient cost-saving solution.

If you are planning on running a home-based business, ensure that the zoning laws and other local bylaws allow you to conduct a business from home. Some neighborhoods are against home-based businesses. If working from home, ensure your family is not inconvenienced.

Cut down on staff

Employees need a salary, office space, insurance, and other perks. If your type of business has slow periods, you will end up spending more on staff and get nothing back in returns. Instead of hiring full-time staff, you could hire close relatives to help you with some aspects of your business. You could also get your spouse involved in your business venture.

Unemployed young people would be willing to do easy jobs for little money. You would also be helping them gain valuable work experience. Also, if you make use of technology in your business, you can cut down on staffing costs. Outsourcing your work can help you reduce staff as well.

Get sponsors for events

If you host regular business events to keep your old customers and attract new ones, you probably go the whole yard to ensure you leave a lasting impression on your audience. Some expenses might include an expensive venue, expensive food, and creating a lot of business material for your guests. These are traditional moves that, even today, successfully impress customers and potential customers. So, instead of cutting back on your events, get sponsors who will bear the costs related to the event. Look for businesses that can benefit from your business. You could trade your business services for their sponsorship.

Always negotiate with vendors

Vendors expect you to bargain. From stationery to coffee cups and more, don’t settle for the cost your vendors initially quote. Vendors rely on your business to keep their business going and are willing to negotiate costs just to ensure you continue to give them regular business. Perhaps you will get your products at a price that is even lower than your offer – you will never know until you ask. So, go ahead and bargain with your vendors.

When you find it hard to keep your small business afloat, even small changes will make a big difference to your costs. The sooner you make the changes, the quicker you will reap their benefits. If your small business is doing well, you can still make these changes and save costs.Small Business Finances – Spend Less and Gain More

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Certified Beer Server Scholarship Programs

You know beer scholarships are know offered mostly everywhere.You have course scholarships for brewers, and these are great scholarship programs.

Master Brewers Scholarship

Master Brewers members in good standing are eligible to apply for the Master Brewers Scholarship. The scholarship covers the cost of tuition to the following courses: Brewing and Malting Science, Brewery Systems Technology and Maintenance, and Brewery Packaging Technology.

Visit the Scholarship Provisions page to see if you qualify. The Florida Brewers Guild has partnered with the Siebel Institute of Technology to provide an annual scholarship for the World Brewing Academy Concise Course in Brewing Technology held each fall in Chicago.

Cicerone has been a part of the Canadian beer scene since we launched in 2008,” said Ray Daniels, founder and director of the program. “We are proud to have helped thousands of Canadians begin and advance their careers in beer. At the same time, we’ve been able to help everyone from brewers to retailers improve beer quality and beer service. We believe that all these efforts help to improve beer not only for beer drinkers, but for everyone in the industry.”

Melvin Brewing was born in the back of a Thai restaurant in 2009, when owner Jeremy Tofte decided to bring beers from the future to Jackson, WY. Our 20 gallon brew system quickly grew into a 3 barrel system, and we served our award-winning beers — the original Melvin IPA, 2×4 Double IPA, and Ch-Ch-Ch-Cherry Bomb — with sides of Asian street food, kung fu movies and old school hip hop.

You have the Walt Powell Scholarship

It provides an annual scholarship to Master Brewers members to cover full tuition to the Master Brewers Brewing and Malting Science Course, plus a travel stipend of up to $1,000 to the awardee.
Walt Powell was passionate about great beer. As cofounder of Flix Brewhouse, he brought to life the only first-run cinema microbrewery in the world and made it an over-the-top success.

Creative and innovative, Walt conceived of Firkin Fest, which brought together a dozen craft breweries from across Texas for an amazing day of great beer and great fellowship. Walt was a founder and administrator for Rate Beer, an Internet community of lovers and critics of fine beer. He was a fixture at beer festivals and events across the country and was an active member of numerous craft beer social and trade groups. In honor of Walt, this memoriam will help other aspiring beer enthusiasts make great beer.

Allan H. Selig Scholarship Program

The Allan H. Selig Scholarship Program was created in the name of former Brewers President and Commissioner Emeritus of Baseball Allan H. (Bud) Selig. Funding for the scholarships is the result of proceeds donated by Major League Baseball, from the All-Star Workout Day, part of the 2002 All-Star festivities held at Miller Park. Commissioner Selig has deep ties to Milwaukee and Wisconsin and he has also had a long-term commitment to educational excellence.
Applicants must be graduating seniors from a Wisconsin High School Class of 2019 and accepted to a college or university based in the State of Wisconsin. Selected candidates will receive $2,500, annually, renewable each year for a total of $10,000 over four years.

And also, Pelican Brewing Company brewer, Cat Wiest, is known for brewing beer with a sense of mission and purpose. She’s got an appetite for learning and an innate creativity ideal for innovating award-winning Pelican brews. It is that combination that landed her the coveted 2019 Glen Hay Falconer Foundation Scholarship to the Siebel Institute of Technology World Academy of brewing.

Wiest will be enrolled next February in the World Brewing Academy (WBA) where she will work to earn an International Diploma in the Brewing Technology Program at Siebel Institute of Technology Chicago and Munich campuses. The International Diploma course is a 12-week comprehensive program intended for brewers seeking an in-depth understanding of the technical aspects and practical application of brewing science and technology.

The hallmarks of Pelican Brewing Company beers are quality, consistency, and creativity that combine to create a downright compelling experience. In order to consistently create captivating beer, Pelican annually invests in the intensive continuing education of its brewers and could not be more pleased that one of the Pelican team has earned such a distinct honor.

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How to Keep Track of Your Money with Mobile Apps

Everyone is all up in flames these days about saving money. We all talk about it, but nobody seems to be doing it right. And it seems interesting that this would be the case since there are so many advancements in technology which have made tracking money a lot easier for people. Everyone has a smartphone these days and there are so many mobile apps which are made to aid you when it comes to tracking your finances and budgeting your life so that you can start saving some money. Let’s explore some of the things that these apps allow you to do which will aid you in your quest for saving money.

1. You can track your expenses and incomes

One of the main things that is amazing with these money tracking apps is that you can always keep track of your spending. Every time you spend money you just do a few clicks on your smartphone money tracker app and you input all the transactions. Though it might seem like a cumbersome task, it’s actually not at all cumbersome once you see the end product. At the each of every month, or whenever you want to for that matter, you can check all of the transactions that have occurred and look at where your biggest income came from as well as what you spent the most money on. This seems like an immensely helpful thing and it really is in practice since you then know which things you can waste less money on in order to save money.

2. You can budget your spending habits

In connection to that last bit, you can actually create budgets for your spending habits and the apps will always give you notifications to let you know if you’re close to surpassing your budget. Apps will also tell you how much money each day you can spend on a certain spending category without surpassing your budget limitations at the end of the month.

3. You can easily track your loans and debts

We often forget where we’re at with all of our loans and debts in our everyday lives. If you want to have an easier time with those, you might be tempted to install one of these apps. They will allow you to always keep a close eye on how much you owe someone or how much somebody else owes you. It’s pretty useful if you have many friends who avoid paying you back.

4. You can have fun tracking your saving

Many people see finances as a very boring and tedious process. However, with mobile apps such as these, you might even have fun with all the cute icons and graphs that you get out of it. And if you’re not having enough fun with those apps then perhaps you can try a different approach with mobile porn games, which are always a fun way to spend time after hard work.

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The Do’s And Don’ts After A Car Accident

There have been several instances when innocent people have seen the worst of their times after surviving a car accident. This often happens with victims who are unaware of certain things they should not ignore. In this article, we have discussed what you should do and not do if your car gets into an accident on the road.

Do’s

That one critical question – are you alright?

You probably know how dangerous and injurious car accidents can become. From minor scratches to fatal injuries to even life-loss, accidents can turn out to be grave. And most of all, these situations are a result of panic. You need to hold a grip of your senses so that you can figure out more about your injuries and look for help accordingly. In case you require any emergency medical help, get it immediately.

Note down the license number

Most drivers get away from the situation once they hit another car while driving either by mistake or driving recklessly. You might not even get time to have control over your car and get out of it before the liable driver escapes. Therefore, try to keep your mind calm and be as attentive as possible. It is also important that you note down the license number of the other car involved. This might prove as a crucial piece of evidence while claiming the insurance.

You need to call the police

The next thing you must do is to call the police. Tell them about the accident in brief along with all the essential information they will ask for. Apart from that, try to collect all the evidence until the police arrive at the scene. For example, you can use your smartphone camera to capture photographs of the damaged cars and tire marks on the road.

Don’ts

Don’t Panic

Yes, being involved in a road accident can give a shock to your state of mind. Many people even take a few minutes to get out of such a trauma. Keep in mind that you should not panic in such situations and act wisely. Come out of the car, take a walk to confirm you are fine. Breathe easy and once you feel alright, follow the “Do’s”.

Don’t go on your own; hire a lawyer

You should not try to file your claim on your own. This may affect the ruling of your case. The paperwork and related procedures are quite cumbersome and require utmost care while making
sure that you don’t file any document in the wrong order or format. It would be best for you to hire a lawyer. They are the ones who will represent you in a court of law for better results.
As now you know what to do after being hit by another car on the road; let’s discuss the role of a lawyer in your case to claim personal injury and loss as a victim.

The real test of time begins once you file the claim

The other driver’s insurance company will try to offer you monetary relief that may not meet what you deserve. In fact, you would require providing answers to their long list of questions before they approve your claim. Yes, it is a long way to go. Here you would require the lawyer on your side to claim a reasonable amount as compensation without any hassles.

First things first

Consulting the lawyer means you’re giving a boost to your case. However, everything starts with a detailed conversation and you will actually need to elaborate the entire accident and whatever happened after that. Show them everything you have as evidence in support of your claim. Then, they will suggest what you should do next.

The investigation

Despite the reports submitted by the local police or the insurance company, your lawyer will investigate the case on their own terms. For instance, they will consult with police officers, other investigators, eyewitnesses, doctors, etc. The reason they would do that is to make sure your case stands strong enough to rule in your favor.

The paperwork

Maintaining the paperwork can become excessively exhausting as you might not know the in-depth details of your state laws as aforementioned. But you need not worry as your lawyer will be there to draft demand letters, complaints, witness reports, supporting evidence, interrogations, pleas, and other litigation documents. Not only this, but the lawyer will also keep a track of case deadlines and submit paperwork on time.

Road accidents can be distressing. Just having the know-how of what needs to be done and what should be avoided can help keep the stress at bay and minimize your sufferings

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DUI: Tips from Professional Attorney Jonathan Lapid

Mississauga, Canada, Drunk Driving Defense
Jonathan Lapid — Attorney at Law

If you have been arrested for and charged with DUI in Mississauga, DO NOT underestimate the seriousness of the charges against you. DO NOT admit to anything or try to talk your way out of it.
DO be polite and DO contact the best DUI attorney.

Most Lawyers Charge Significantly More for Trial Work — I Almost Never Do As a lawyer, I have been defending the rights of people in Canada for more than 35 years. Over the course of that time, I have represented many individuals who were charged with drunk driving and I have helped them minimize the damage to their lives. As a result, I know that this is a frightening time and that you are probably wondering about things like the criminal penalties, the suspended driver’s license or the ignition interlock.

If you contact me to talk about your DUI case, I will do my best to answer these and any other questions you have. I do not charge a fee for the initial consultation or advice on a case, regardless of whether our conversation takes place over the phone or at my office. I also want to assure you that anything you tell me is absolutely confidential, even if I am not retained as your attorney.

What is the difference between DUI and DWI?

The short answer is that both charges are equally serious and carry matching punishments. The primary difference is that DUI is charged for driving under the influence of alcohol or drugs. This does not require a breath reading. Instead, the DUI charge deals with suspicion of driving while under the influence, according to the manner of driving, physical and mental symptoms of impairment, or verbal admissions.

By contrast, DWI is charged when Breathalyzer or blood alcohol test results measure .08 percent or greater within two hours of driving. It is not uncommon for prosecutors to file both of these charges along with any others they feel might stick.

Unlike most defense attorneys, I do not usually charge additional attorney fees if your case goes to trial.Jonathan Lapid — Attorney at Law

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How to Make Your Online Business More Profitable

The business world is changing on what feels like a per-second basis. This means there are more ways to make money than ever before, but it also means that growth is harder than ever to achieve.
However, making your business more profitable is about more than just growth.

It’s also about managing expenses so that you can keep margins high and profits expanding.

Fortunately, in the world of online business, there are quite a few ways for you to stay profitable and relevant in an ever-more competitive marketplace.

We’re going to walk you through some of these strategies so that you can apply them to your company and boost profits.
Part 1: Minimize Expenses

Before we look at how to boost profit through growth, let’s take a look at some of the ways you can make your online business more profitable by reducing your expenses.

There are lots of options, and which ones you choose will depend on your business. But here are some of the most effective:

#1: Automate

When trying to reduce expenses to improve profitability, automation is going to be your best friend.

There are solutions for nearly every business function, and they can save you tons of time and money. Here are some of the more common: · Social media automation tools, such as Hootsuite, allow you to schedule posts in advance so that you don’t need to worry about logging in and posting at the right time.

They also provide you with valuable analytics information which you can use to improve the efficacy of your social media efforts over time. · Email automation is a great way to ensure you reach out to people who have purchased from you before or who have left things in your cart. All you need to do is set up the template and choose a few

parameters and the tool will do the rest. Doing something like this on your own would take forever and cost a fortune. · CRM tools, such as Hubspot or Salesforce, among others, that automatically collect information about your customers help you learn more about your audience without having to do much more work.

· Accounting and payroll are important parts of your business, but they can suck up your time and your operating budget. Luckily, there are countless automated tools, such as Quickbooks or Xero, out there which you can use to ensure this part of your business is run as efficiently as possible.

#2: Outsource

Another option besides automation is outsourcing. We live in a digital world, and that means there are countless professionals working in the online marketplace which you can use to reduce the expense of running your business.

Part of the reason this works is because you can take advantage of a global workforce.

The cost of living is less in certain parts of the world, and if you can find some quality people in these areas, you can get great value, reducing the expenses you must incur.

But even if you can’t find people willing to do the same or more for less, outsourcing can still help you save money.

For example, if you have cybersecurity needs, or if you have to run a full-time customer service operation, outsourcing is a great idea because these functions require considerable investments in infrastructure that outside firms are far more capable of absorbing.

#3: Optimize or Delete

Time is money, so examine your business functions one by one to determine if there are automation or outsourcing options, and when there aren’t, the next step is to optimize or delete.

Start by asking yourself if the functions you can’t automate or outsource are really necessary.

It’s quite likely something that made sense a few months or a year ago no longer does.

When you can’t delete, optimize.

There are a number of ways to go about doing this, but it starts by outlining all the steps required to complete each of your business’ primary functions.

Then, engage those on your team to find out if there are any best practices already being used that should be shared, or if there are any things preventing them from being more efficient.

Most people develop their own workarounds to be more efficient, and it’s important everyone in the company have access to this knowledge.

#4: Audit Subscription Services

Recurring costs are a huge drain on your cash flow.
Even if each one is only $10 or $20, this can add up over time, especially if you’re not really using the tool for which you subscribe.

Drop or downgrade services you don’t use.

Many companies offer a free or cheaper version that will save you money, or there may be an alternative that could work just as well without costing you so much money.

#5: Reevaluate Site Infrastructure

Your website is obviously the backbone of your website. As such, it makes sense to pay for good hosting service, especially since we know load speed is a big factor in search engines’ ranking algorithm.
However, just because you need it doesn’t mean you need to spend a fortune.

Check to see if competitors are offering something better, such as a promotional rate for switching, and don’t be afraid to change if you find a better deal.

Another option is to contact your current host to see if you can pay upfront for more service.

Typically, doing this will allow you to take advantage of a significantly discounted monthly rate, so while you’ll pay more upfront, you’ll save quite a bit in the long run.

Part 2: Boost Growth

To grow your business you must invest in it. The saying, “it takes money to make money” exists for a reason.

However, the trick to being profitable is investing in the right things.
This provides you with a better return and it makes the investment more worth while.

Here are some ways you can invest in your business to make it more profitable:

#1: Focus on Organic Traffic

Organic traffic, i.e. search traffic, is one of the most effective ways of generating quality leads.

As a result, if you are looking to improve profitability through growth, start focusing on how to drive more organic traffic to your site.

To do this, you will need to spend some time getting acquainted with SEO.

However, before you start diving into keyword research and doing an extensive link building campaign, spend some time optimizing your current pages. You’d be surprised at how much of a boost you can get just by doing that.

After you’ve taken the time to improve your onsite content, it’s time to start researching search terms for which you could rank, as well developing an approach to building links.

If you’re just starting out, try to go after some long-tail keywords that are less competitive and build up over time.

If nothing else, you can use this new traffic to try and attract and engage followers, which you can use send targeted marketing material that can be quite effective.

#2: Expand Horizontally

If you’ve already got a decent bit of traffic coming to the site, then a good way to boost profits is to expand horizontally.
Think about additional products those that already bought from you might want, and then work to encourage them to make these purchases.

You could do this during the checkout stage by setting up a “People who bought this also bought…” window on your site, or you could even set it up as an automated email that goes out some time after the purchase has been made.

This works great because you don’t need to spend any extra money finding new customers.

Instead, you are extracting more value from your current ones, which will help boost profits without forcing you to incur an additional expense.

#3: Personalize Promotions

Consumers are constantly bombarded with marketing materials, and this means most of the stuff you send out is at risk of being ignored.

As a result, to make your business more profitable, you need to work to get people’s attention, and it turns out addressing people directly and personalizing promotions is a great way to do this.
Examples of personalized promotions include:

· Offers based on people’s past purchase history (something a CRM platform will help you determine). Use language such as, “We hope you liked Product X, and if you did, know that Product Y is currently on sale for ____. Don’t miss out on this great opportunity!”

· Design promotions around specific dates, such as people’s birthdays

· Send messages from a real person and use the person’s name so that it feels less like you’re promoting something and more relatable.

#4 Targeted Marketing

Along similar lines, to make your business more profitable, you should be using as much targeted marketing as possible.

Since the entire world these days in online, you can access tons of information about your audience, and then you can use this to directly target those most likely to respond to your messages.

A great example of this is Facebook and Instagram. Both sites collect tons of data about users, and you can buy ad space that puts your messages in front of the right eyes.

To learn who you should be targeting, take a look at your website statistics and come up with a profile of your ideal customer. Then buy ads targeting people who match this profile.

This approach helps take some of the guesswork out of your marketing efforts, which means less money wasted, more customers, and, of course, bigger profits.

Love the Process

Making your online business more profitable is of course easier said than done.

The strategies we’ve discussed here will certainly help, but the exact combination that will make up your profit-boosting approach will depend on your business, and this means trial and error is really the best way forward.

Start making some changes here and there and measure the results as you go. Eventually, this process will help you uncover the formula that will lead to better margins and more revenue.

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Introduction to Management Consulting

You know, on a recent weekend, I had nowhere to go, no one to meet. It was beautiful. So I went to the grocery store and bought a pack of sugar cookie dough, a bag of natural Cheetos and a bottle of cheap wine. Date night… with myself.

And I promptly drove home, slipped on sweatpants, plopped on the couch and flipped on Bravo. When I got tired of “The Real Housewives,” I switched to “Broad City.” Then I flipped to Netflix and finally started watching “Queer Eye.” I laughed, and I cried. Somewhere in there, I napped. Maybe more than once.

But, I think I’ll stop there, before I really embarrass myself.
We all have guilty pleasures. But there’s no need to feel guilty — especially when you can turn them into cash.

You know, 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 implement recommendations. 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.

This article grows out of current research on effective consulting, including interviews with partners and officers of five well-known firms. It also stems from my experience supervising beginning consultants and from the many conversations and associations I’ve had with consultants and clients in the United States and abroad. These experiences lead me to propose a means of clarifying the purposes of management consulting. When clarity about purpose exists, both parties are more likely to handle the engagement process satisfactorily.

If you love watching anything and everything on TV, consider signing up for a service that’ll pay you to watch videos online.
There are a couple options out there, but we suggest starting with a reader favorite, Swagbucks. Run by a company that’s A-rated by the Better Business Bureau, Swagbucks is a rewards site that’ll pay you to watch videos.

Pick your favorite genre: cooking, celebrity gossip, politics or fashion. For each video you watch, you’ll earn SBs, which you’ll exchange for gift cards to big retailers like Amazon, PayPal or Walmart. You could earn up to $90 a month watching Swagbucks videos.

Heck, you can even mute the videos and open Hulu in another tab.
Bonus: You’ll snag $5 when you sign up.

Thousands of professionals have dreamed about starting their own consulting business. It seems like a great career path: Hang a shingle, bring in clients, be your own boss, do awesome stuff and make bank.Yet consulting, as it turns out, isn’t sexy, glamorous or easy. It’s downright hard — harder than you might think. I encourage anyone with the moxie 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.

If you’re a seasoned entrepreneur, you’re likely expert at something other entrepreneurs need help with — be it complex accounting issues, or how to market an app to customers. So, the odds are high that someone out there will not only value your expertise, but be willing to pay for it.

Consulting.com breaks business down to basic building blocks (like Lego) and tells you how to assemble them for success.. Get proven processes, gain laser-like focus, join a community of entrepreneurs and reprogram your brain for superhuman ability. And they teach how to start a photography business the right way.

You Pass Hours — Sometimes Days — Playing Video Games

You spend hours trying to get to the next level, but guess what? You can play games and take your savings to the next level.
OK, that was a cheesy line from someone who’s obviously not a gamer, but listen: Blast is a savings app for Android made by gamers for gamers. It allows you to save, earn and win cash for playing games.

It works with every game in the Google Play Store, as well as top PC games, including Counter Strike Global Offensive.
The app is free, with no hidden fees.

And after all, how many times have you been stuck on a complex issue you knew could be solved by someone who’s already “been there”? You certainly aren’t the first (and you won’t be the last).
And, let’s face it, there are times in almost every entrepreneur’s business journey, particularly at the start, when some extra cash could come in handy. So, how can you parlay your wisdom, knowledge and experience into a paycheck without sidelining your ambition?

Management theories cannot be tested in laboratories; they must be applied, tested, and extended in real organizations. For this reason the most creative consulting companies balance conflicting demands between short‐term business development and long‐term knowledge creation.

Knowledge management as a conscious practice is so new that there are few successful models for executives to use as guides. In this excerpt from their article in the Harvard Business Review, HBS Professors Morten T. Hansen and Nitin Nohria and colleague Thomas Tierney of Bain & Company reveal two key KM strategies — codification and personalization — and their use among consulting firms.

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4 Strategies to Win Big in Online Poker

Online poker tournaments make competing easy for amateur players. You won’t have to drive far away from your home, and the buy-in is affordable for anyone. In 2003, Chris Moneymaker was the first person who qualified online to win the World Series of Poker (WSOP) Main Event. The entrance fee for the satellite tournament he entered was less than $100, and he got $2.5 million. Anyone can play poker, but you need to learn all the ins and outs of the game before you can win consistently. Here are some strategies to help you win big in online poker.

1. Be Prepared to Play for a While

Online tournaments often start with huge fields of players, and they can take several hours to complete. If an event starts in the evening, you should be prepared to play for most of the night. Make sure you can get plenty of sleep, and don’t schedule anything important on the day after a big tournament. You could need that time to sleep. Poker strategy is mostly mental, not physical, but staying fit, exercising, and eating healthy foods can give you more endurance than other players. You’ll be less likely to make mistakes because of fatigue.

2. Be Patient

Every poker player wants to stay in the game and try to win, but folding can be a much smarter decision. You should fold more hands than you play. That way, you won’t have to risk much of your bankroll without a good chance of winning. Playing is more exciting and entertaining, but you can learn how other players behave by observing hands after you fold. You can find out who bluffs most and whether players have tells by waiting patiently to see how several hands play out. That way, you can make the best decisions about whether to fold.

3. Make Sure You Have Some Extra Cash

In many online games, wealthy or successful players can call your raises with huge holdings, forcing you to fold. To avoid this, you should always have much more than the minimum buy-in available. For example, if the minimum is $20, you should have about $4,000 to keep wealthier players from beating you. Having some extra cash also lets you take a few losses and be prepared to come back during the next hand and win. Just make sure you don’t risk a lot until you bet some experience.

4. Use Poker Software

Many computer programs can help you analyze the behaviors of other players. Poker replayers let you replay a hand or an entire tournament to learn more about your opponents. Many programs can also color-code players based on their strength or provide a heads-up display (HUD) with detailed information. You can also take notes or use software to help you play multiple hands at once.

Starting as an online competitor can be challenging, but you can become a winner with smart strategies and practice. Concentrate, keep improving your skills, and remember to have lots of fun.

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Why Fintech Cybersecurity Needs More Innovation Than Ever Before

The cybersecurity industry has been under heavy fire recently due to the breaches of major corporations around the world, especially in financial institutions. Such breaches ingrained alarming insecurity, fear, and anger in all of us because the resulting fallout of the hacks left millions of people’s sensitive data open to theft.

The threats, however, respond in kind with consistent innovation that seeks to fool even the greatest information security firms. Individuals only have a limited amount of resources to fight the wave of hackers that seemingly grows every year. In this article, we will discuss why we need more cybersecurity innovation and what we can do to increase our chances of staying secure online.

IoT: Innovations and risks

The Internet of Things is the shared goal of tech companies to make every single object that you use on a daily basis a smart device. Essentially, your toasters will connect to the internet and will converse with your refrigerator. In addition to this, your toaster will even check for the best toasting practices and your fridge will automatically buy the groceries that you run low on. This utopian kitchen may sound like a dream, but, it has the potential to be hackers paradise.

When every device is connected to the internet they are simultaneously being exposed to millions of potential threats. With the explosion of blockchain technologies, this heightens the threat. While a toaster on the fritz doesn’t sound like a major threat, your smart home being compromised is always dangerous.

For instance, if a hacker break into your toaster than that means that they are most likely in your network. Once in your network, they could potentially connect to every device that is connected to your network and steal your family’s sensitive information.

Why security companies are lagging

This presents a major problem for IoT companies, cybersecurity companies, and early adopters of the technology. There is an immense risk for connected homes as they are dependent on their network being fast and reliable.

The common family does not have the resources or expertise to deal with a compromised system. Once a home network is breached, we must call a cybersecurity company to aid us in our struggles.

Cybersecurity companies have a difficult time keeping up with the myriad of mutations that spew forth from the underbelly of the internet. They too, like most of us, rely on the services of our largest IoT companies like Google and Apple.

The IoT companies, in kind, are under a constant stream of cyber-attacks that occasionally leaves them vulnerable. It is, in fact, this hierarchy of hacking exploits that creates a lethal chain reaction that has the ability to shut down smart homes and, potentially, smart cities.

How to be proactive in a dangerous time

All is not lost, however, as there are a number of tools that users can employ to secure their devices and networks. Passwords are, truly, our first line of defense against malicious internet users that want to steal, or commandeer, our data.

A good, strong password consists of no less than 8 alphanumeric characters, switched cases between upper and lower, and special characters. A password generator can be used to automatically create strong passwords that can be used for any system with any password length requirement.

After creation, it is suggested that you use a password manager to securely encrypt all of your passwords in a central location. A good password can completely thwart the advances of brute force hackers and disallow unauthorized users from accessing important files. This, in addition to file system encryption, can make your devices as safe as humanly possible.

Conclusion

From toasters to tablets, these days you need cybersecurity for everything that you use on a daily basis.

The overt betrayal of our trust in massive, unsecured companies has made us all too aware of the risks online. In response to this, innovation in cybersecurity has reached a new zenith in pursuit of a better and safer internet.

Cybersecurity companies alone cannot deal with the massive threat of hackers without major innovations in the industry to keep up with the incredible influx of malicious users and the software they create. The best chance we have is to make our passwords strong and wait for the cybersecurity companies to deliver a solution to the growing problem of hacking.

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Few Reasons To Opt For Commercial Roofing Inspection

You know, when someone asks me when was the last time I got my roof checked? Most of us don’t have any answer because most of us don’t opt for roofing inspections. Many of you consider it to be a time consuming and expensive process. Moreover, you think that you will hardly benefit anything out of this inspection. But you could not be any more wrong. Roofing inspection can help you in many ways. Some of the important ones are discussed below:

And also, when you get the roofing inspection done, you will get an in-depth report on the existing condition of the roof. You will come to know which portion has become weak and need immediate repair, if not done, it can lead to leaking problems in the future. Leaking can be a serious issue as it damages the property.

Reasons Why You Need To Be Well-prepared For Your Roofing Emergencies:

With roofing inspection you will get to know whether the roof style installed is the correct one for your commercial building or not. Roofing helps in preventing clogging of water. If the roofing style is not right, rainwater and other dirt will get clogged in the roof, which in turn will affect the drainage system.

What safety measures have you taken in advance for the shelters you live under? None? How are you trusting on the security it is giving to you then? According to many surveys conducted in United Kingdom, people were found to be negligent about their roofs getting no repair from last more than ten years.

Good quality material? Still no care behavior not accepted
However, a really good material may give you peaceful good 5-6 years’ safe roof life very easily yet it is not recommendable to depend totally over the contractor’s work in all the cases. Even if you have been probably trusting their work and living under the roof made by them since last five to six years, it is now the time to get some things inspected by some professional roofing service.

Even small scale damages aren’t bearing a redemption.
Also there are some people who have noted down some abnormalities with their roofs but ignore them saying “little amendments can be postponed”. The case is not similar with the roofs most of the times. The roof may feel itself to be wrecked more than you are thinking it to be, so you should choose roof repair Tampa. So this money saving attitude isn’t helping you for long, at least not in times of several crises that may fall.

Roofing Emergencies for Whom you need to Prepare today:

You may be deliberately overlooking the roof holding its tears right now considering them to be some minor damps that would get bettered (dry) by their own. But those roofs may catch you in the times when you won’t have any one to clear your tears (precisely a (quality roofing service).

Roles of A Roofing Contractor You Must Know About

There are certain group of workers who repair and replace roof on homes and commercial buildings. As there are many self-employed workers but there are few construction firms that will hire many roofing contractors to do some major projects like installing roofs on housing projects that have been recently constructed.
Approximately they work for around a year. Only because of the knowledge of home constructions few builders have been able to become Roofing Contractors in Arkansas.

They must obtain a business license, before a roofing contract can start getting clients, which to operate a business in the city, state, or county is a form of legal authorization. Through a certification process they will also have to go. To gain a good understanding of the work they do this involves spending time working with an experienced roof contractor.

When it comes to protecting your real estate property investment the roof on your home or business is the first line of defense! The most expensive single item is the roofs generally that will be replaced by the property owners.

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