Money and Technology

Saving, investing and making money with technology

Products matching occasions and preferences

It is part of any culture to give gifts on several occasions and this gesture is very much an integral segment of any relation. Now, it may happen for the purpose of livelihood or any other reason you are away from your country. Therefore, it is quite natural that you would like to send gifts to your loved ones in case for any occasion or just simply to convey your love, respect and affection. It is really convenient for you to get a wide selection of gift items so that you can freely make your choice. You will find to your advantage that the products online match with the various types of occasions, age group and various preferences.

The trusted companies

You can imagine the delight experienced by your loved ones when you add an element of surprise by not informing the person who will receive the gifts. You will find reliable companies who not only update the designs of the products according to the changing customer demands but also provide comprehensive services.The quality is assured and the gift items are promptly delivered.It is an enjoyable experience to imagine the joyous moments at home on various occasions when actually you are far away from the country.Moreover, today technology has offered to you such facilities that you can enjoy the live moments on your laptop or mobile phone and at the same time interact via internet, with the relatives.

Hassle-free and speedy process

In general, in relation to online gifts pakistan, it is very courteous to send  a bouquet of colorful flowers and  the radiance along with the fragrance add new meaning to the ambiance of celebration. You do find reliable online resources from where you get the right kind of flower arrangement for any particular occasion. You are sure to experience a hassle-free and speedy process of purchase and delivery. You will find the range quite suitable for your purposes which include cakes, delicious chocolates, cushions for the elders, jewelry, earrings, kitchen accessories, necklace, biscuits, confectionery items, flower bouquet, towel, electronic items, personalized mugs and many other attractive items.

Diversified range

It is really enjoyable to find a diversified range of products when you think of gifts for pakistan, because the companies are quite aware of the multiple demands and the preferences of the customers. It does not matter what is the cost of the gift item, the main thing is that you maintain the tradition of the culture by sending gifts to the relatives and friends as message of respect, love and affection. You can be quite selective considering the nature of the occasion and the preferences of the persons who will receive the gift. Apart from the diversified range, you get a price benefit in case of online purchase though that is not the main concern.

Long distance curtailed

In the process the difference due to long distance no more can be felt when you consider online purchase.There is no point in spending your time in a pensive frame of mind, rather you search in the trusted website and select a perfect gift for your sister for her upcoming birthday.

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What the Online Business Really Needs

E-commerce businesses need the website and the product or services to sell, right? Well, yes, but it needs much more than that. How are you going to handle technical issues or a hacking? Where on earth will you advertise? E-commerce sites are an excellent business option, but the internet is saturated with them and you are going to need to navigate some things that you may not have thought before. If you have an e-commerce business in the works, take a moment and read this list of things you need to really think about.

Accepting Payments

Unless you decide to run your basis on COD (cash on delivery), and no one ever does that, you are going to have to consider how you are going to accept payments. The options for online payment solution need to be examined in order to make the best selection based on your needs. Do you want payment processing that is strictly online? Some companies like an option to include invoice payments, phone and email payments using a virtual terminal, and even subscription billing. Are you going to be a strictly local e-commerce site or are you opening your products or services on a global platform? What if you want to start small and grow later? The one recommendation we make is that when you look for a payment processing solution, make sure it can accommodate your growth as a business. You do not want to change processors frequently!

Protecting Your Livelihood

Although hacking occurs on a regular basis, doing everything you can to protect yourself is vital. Who wants to spend a lot of time and energy bouncing back after losing money? If you are willing to lock your car, home, and valuables then the same should happen to your business. It all begins with considering your hosting options for the website. There are lots of very inexpensive hosts out there and they come with very cheap security. When you are looking for a web host, do research on their history with hacking. How often have they been hit? How much information was stolen? How quickly did they resolve the issue and what did they do to prevent it? Another thing you can do is backup your data on a regular basis. It makes bouncing back a lot easier and can help you learn how to better protect the information. But rather than learning from mistakes, simply invest in excellent tools that are designed to keep your site safe.

Finding Your Clients

While a medium-sized town can have four McDonald’s locations and each do very well, most e-commerce sites struggle to get the much-needed clientele because of the saturation. You have to find that one thing that makes you stand out and a bit different than other sites, even if you are offering the same product or service. To whom and where you advertise will have a huge impact on gaining customers. Know your target market and start there, it can always expand later! Peruse marketing platforms and find that one that seems the most helpful to what you want to gain. Can they help convert traffic into sales? What is their success rate for providing customer support? How helpful are they in tracking site trends?

Handling Legal Issues

A customer is upset with the product/service and is angry at how it was resolved. They decide to sue you. How on earth are you going to handle that while trying to run a business? Some people opt to hire an e-commerce lawyer because it saves them time and energy. It can be pricey but if you can afford it then we highly recommend it. If you can’t, you need to read up on the laws surrounding e-commerce. Learn as much as you can and you should be okay. It can help you head off some small issues initially and hire that lawyer if things are bigger than your capability.

The biggest mistake some people make is to treat their online store as a hobby. It’s your livelihood and will help you achieve your dreams. Protect it well, work smart, and care about it. You should be just fine!

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What To Know About Data Management Systems

Well you know a database management system (DBMS) is the software that allows a computer to store, retrieve, add, delete, and modify data. A DBMS manages all primary aspects of a database, including managing data manipulation, such as user authentication, as well as inserting or extracting data. A DBMS defines what’s called the data schema, or the structure in which the data is stored. And the tools we all use every day require DBMSs behind the scenes. This includes ATMs, flight reservation systems, retail inventory systems, and library catalogs, for instance.

Background on Database Management Systems

The term DBMS has been around since the 1960s, when IBM developed the first DBMS model called an Information Management System (IMS), in which data were stored in a computer in a hierarchical tree structure. Individual pieces of data were connected only between parent and child records. Profisee master data management is a company with a mission of innovating data management strategies by providing an easy to use, easy to deploy enterprise MDM platform.

The next generation of databases were network DBMS systems, which tried to solve some of the limitations of the hierarchical design by incorporating a one-to-many relationship between data. This took us into the 1970s when the relational database model was established by IBM’s Edgar F. Codd, literally the father of the modern relational DBMS that we know today.

Open communication

Open communication between management and employees sets the stage for an atmosphere of trust. But if you want to establish a new, more trusting culture, you can’t expect employees to take the first step. Company leadership initiates the process of open communication by sharing information with employees on a regular basis. This includes good news and bad. Southwest Airlines’ policy of sharing information enabled the company to weather the sudden increase in fuel costs during the 1990-91 Gulf War. The company kept everyone informed as fuel prices soared. Southwest’s CEO Herb Kelleher sent a memo to pilots asking for their help. Through inventive thinking, the pilots found ways to rapidly drop fuel consumption without compromising safety or service. Leaders of organizations that sustain innovation offer multiple opportunities for communication.

While not every company can offer an open-door policy for its senior executives, or even a chance for regular face-to-face contact, every organization can institute programs that enable front-line workers to feel heard. From CEO lunches with cross-sections of employees, to monthly division meetings between employees and the general manager, to open intranet forums for idea sharing and feedback, leaders can communicate their openness to hearing innovative ideas from those who are closest to the customer.

Innovation is also required to be competitive today and tomorrow

We all know now that businesses around the world are more connected than ever before. Just ask any company how many smartphones they have, how many tablets and laptops they have, how many virtual meetings are held with clients, and how many emails and text messages are sent. Oh, and we haven’t even talked about the use of social technologies. Being connected is probably the most powerful influencer of innovation. There are many reasons for this.

And also the immediacy and accuracy of real-time data transfer has become the norm. We now have the ability to share and connect with people, groups, and companies around the world. The quality and ease of use of digital media is not just for professionals any longer. Online learning and the global reach of it have changed the face of learning. Mobile technologies, cloud based storage, computing, medicine and space have continued to amaze us year after year. The list could go on. Some form of innovation touches every aspect of our life.

Managing that expectation and deliverable is critical for sustainable growth to occur. In thinking about sustainable growth, I spoke with Kevin Wells, Executive Vice President, Global Market Development for Reach Analytics. Kevin’s comments were quite telling when discussing how to predict innovation for growth purposes. How do you predict innovation, and also leverage predictive analytics so that your business can use that information to create growth?

Features of the Modern Relational DBMS

The relational database management systems (RDBMS) implement the relational model of tables and relationships. The primary design challenge of today’s relational DBMSs is to maintain data integrity, which protects the accuracy and consistency of the data. This is ensured through a series of constraints and rules on the data to avoid duplication or data loss.

DBMSs also control access to the database through authorization, which can be implemented at various levels. For example, managers or administrators might have access to data that is not visible to other employees, or they may have the authorization to edit the data while some users can only view it.

You know that most DBMSs use the structured query language SQL, which provides a way to interact with the database. In fact, even if the database provides a graphical interface that allows users to easily view, select, edit, or otherwise manipulate the data, it is SQL that performs these tasks in the background.

Examples of DBMSs

Today, many commercial and open-source DBMSs are available. In fact, choosing which database you need is a complex task. The high-end relational DBMS market is dominated by Oracle, Microsoft SQL Server, and IBM DB2, all credible choices for complex and large data systems. For small organizations or home use, popular DBMSs are Microsoft Access and FileMaker Pro.

More recently, other nonrelational DBMSs have grown in popularity. These are the NoSQL flavor, in which the rigidly defined schema of the RDBMs is replaced by a more flexible structure. These are useful for storing and working with very large data sets comprising a wide range of data types. Major players in this space include MongoDB, Cassandra, HBase, Redis, and CouchDB.

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The Best Ways To Succeed in Customer Onboarding

Customer onboarding has come up a lot lately, which is great since having a poor onboarding experience for your customers can pretty much kill your growth… if not your business.The first in-app experience your customer has with your product sets the tone for your relationship, and if it’s confusing, overwhelming, or otherwise puts up barriers to achieving success (or at least recognizing the value potential in your product), you’re in trouble.As I say all the time, the seeds of churn are planted early, and those seeds are planted deep if your onboarding experience for new customers or your prospects during a free trial is terrible.

And every time I talk to a low-touch, self-service SaaS company experiencing massive drop-off immediately after sign-up, low Free Trial-to-Paid conversion rates, few customers staying past 90 days post-conversion, etc. it is always an onboarding issue.

When I talk to Enterprise, high-touch SaaS companies that experience a lot of churn or non-renewals, aside from misleading sales practices, the main culprit is the customer onboarding process. Whether the Time to First Value is too long, the experience is painful, and you can get user adoption and or expectations are simply mismanaged, those “seeds of churn” can be traced back to onboarding.

Get to know the customer

You know, back in the days when traditional marketing dominated, the customers weren’t clicks. Understanding customers and their needs were important lessons for inbound marketers. Customer satisfaction surveys, for example, are a great way to learn how well consumers responded to your products and services. And also in customer onboarding you can get to know your customers very well. The tactic is important for any business — 83 percent of those who call themselves successful actively measure customer satisfaction.

And startups, however, are in the nascent stages of discovering their audience and catering to their needs. For these businesses in particular, getting feedback from consumer experiences that can guide future adjustments in products and marketing strategies is essential. Gathering records on clients will also help you have better insight into the products and services that would appeal most to customers.

Situational Success: Trial, Proof of Concept, and Early Lifecycle

And also while we’re solving for their initial success – not ours – you’ll find in a Free Trial, for example, that initial success for your customer is actually the point where becoming a paying customer is the next most logical step. So you’ll get that “they convert to a paying customer” outcome you want, by focusing on the outcome they want. Winner-Winner.

They’ve realized value – or they’ve seen the value potential in the product – and they’re technically ready to convert.
That could happen on day 2 of a 30-day free trial, but most companies will let them go the full 30-days (or even longer) before they try to get them to convert.

You can just imagine if you asked for the sale right after they achieved “success” … if that happens on day 3, you could convert a customer on day 3 of a 30 day trial, instead of waiting until the trial is over.

And you know this is also why you should tie your customer or prospect communication (in-app messages, emails, phone calls, etc.) to their progress – or lack thereof – through those success milestones instead of saying you’ll just send something on Day 1, 5, 7, and 32.

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Google Pixelbook: Review

Google is a company that’s in a class by itself and it has continued to grow into the super internet giant that it has become today. I visit the Google search engine everyday as do the same as billions of other visitors, too. Google has entered the new zones lately and mastered them to the fullest.

Meet Pixelbook — the new high performance Chromebook — and Pixelbook Pen1 — the smart, responsive stylus — designed to enhance the way you work and play. It’s the first laptop with the Google Assistant built in2, so you’ll be able to get more done faster and smarter. From its ultra-thin design to its collection of apps, Pixelbook is beautifully versatile and effortlessly adapts to your lifestyle. And because it’s powered by Chrome OS, you’ll always have the latest security and software features 3.

Google is the most trusted company

Pixelbook is the first laptop with the Google Assistant built in2. It’s easily accessible via the dedicated Google Assistant key on the keyboard, or by using the “Ok Google” wake word you’re already familiar with. You can even access it with Pixelbook Pen1 : simply press and hold the button, then tap the pen on Pixelbook’s screen to get help from your Assistant. And there is an offer to save $100 from 3/25 – 4/7

The best and most versatile

At just 10.3mm, Pixelbook is Google’s thinnest laptop ever, with a lightweight aluminum construction that enhances portability. The 360° touchscreen and versatile 4-in-1 design will seamlessly adjust to whatever you’re doing, too. You can sketch or edit photos, stay productive with GSuite apps that Drive automatically backs up to your device5, and enjoy on-or-offline access to movies and TV shows with apps like Google Play Movies and YouTube Red.

Complete peace of mind

With Chrome OS, you’ll always have the latest security and features with software that automatically updates3 in the background. Pixelbook’s ready to go when you are, too: it starts up in under ten seconds, stays fast, and has a fast-charging, all-day battery6 that gives you up to ten hours of go from a single charge7

Apps for work and play

Do more of what you love with apps including Google Drive, Docs, Sheets, Slides, Gmail, Photos and more. You can always download your favorites from YouTube Red and Google Play Movies to enjoy even without Wi-Fi.

1. Pixelbook Pen is sold as a separate accessory, subject to availability.

2. Requires internet connection.

3. Auto-updates and auto-backup require an internet connection.

4. Intel and Intel Core are trademarks of the Intel Corporation in the U.S. and/or other countries.

5. 500 most recently opened and 500 most recently shared with you. Accessible offline through Drive when enabled in Drive settings.

6. Battery performance is based on a mix of standby, web browsing and other use. Charging time requires a battery to be at least 5% charged, the device to be inactive, and use of included charger. Actual results may vary.

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Understanding The Various Loan Options

Depending on your lender and the type of loan you choose, your required down payment can range from 2.25% to 20% of the purchase price of the home. Establishing a monthly budget will help you put away enough money for your down payment. Once you’ve assessed what your budget will support, consider having money automatically deposited from your paycheck or bank account to a savings account to make it easier and more convenient to put aside money each month. The Associates Home Loan of Florida offers loan options to you including self employed loans. An account like Discover Bank’s AutoSavers Plan can help you start saving today. If you won’t be able to come up with a large down payment, then you should look into an FHA loan, which helps home buyers who can only make a small down payment.

How to take out a home loan

You know home loans hit a 14-year low as rates had risen on April 25, 2014. The mortgage industry’s output of new loans is at the lowest point in 14 years, according to estimates from a trade publication. Inside Mortgage Finance said Thursday that even in the depths of the financial crisis, mortgage lenders were busier than during the first quarter of 2014. One factor is the end of a refinance boom as interest rates have risen well off their record lows. But though the rates are still great by historical measures, mortgages written for home purchases have been weak as well, as sales of new and previously owned homes have slowed.

Use a mortgage broker

The traditional mortgage process involves approaching three home loan lenders, listening to them spruik their products and then choosing the most attractive offer.This is time-consuming and – unless you’re a finance expert – can be very confusing as well.
That’s why more than half of Australians now use mortgage brokers, middle-men whose job is to help a borrower organise a suitable home loan with a lender.Brokers are home loan experts, so theyunderstand the mortgage market’s complicated rules and baffling jargon.

Mortgage brokers generally work with anywhere from 10 to 40 lenders – far more than the three you might visit on your own. That means you’re exposed to a far wider variety of home loan options.
Another advantage of brokers is that they generally won’t charge you for their services. Instead, they’ll charge the lender (in the form of a commission) if they end up organizing a home loan for you.

However, there are also several downsides associated with mortgage brokers.First, there are about 150 mortgage lenders in Australia, which means you’ll get exposed to only a minority of options if you organize a home loan through a broker.Second, some unscrupulous brokers might steer you to a particular home loan not because it’s in your best interest but because it pays them the highest commission.

Go direct to lender

Some people prefer to take full control over the home loan application process rather than outsource it to a mortgage broker whose motives or competence they might not trust.But a word of warning: while going direct-to-lender might give you greater control and you can apply for a hard money loan. Some bank employees can’t be relied on to give independent advice. That’s because their job is to promote their own products, not to tell you about better options from a rival provider.If you do decide to go direct-to-lender, make sure you do your research before deciding on your home loan provider of choice.You might be tempted to automatically pick your current bank. However, there are about 150 banks, credit unions, building societies and non-bank lenders in the mortgage market – so the odds of your bank having the most suitable home loan for you are actually remote.

And also the mortgage industry’s output of new loans is at the lowest point in 14 years, according to estimates from a trade publication. Inside Mortgage Finance said Thursday that even in the depths of the financial crisis, mortgage lenders were busier than during the first quarter of 2014. One factor is the end of a refinance boom as interest rates have risen well off their record lows. But though the rates are still great by historical measures, mortgages written for home purchases have been weak as well, as sales of new and previously owned homes have slowed.

Get your financial documents in order

When you apply for a mortgage, you will need to provide your lender with a number of financial documents. Having these documents already assembled will help accelerate the processing of your loan application. At a minimum, you should be prepared to provide your last two pay stubs, your most recent W-2, your last two years of tax returns, and current bank and brokerage statements.

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The evolution of Co-Working: Veris advantage for the new business ecosystem

Visitor Management System evolution

Just a decade ago, the concept of co-working space was unheard of in India. Now in the year 2018, coworking communities personify the flexibility and innovation required to succeed in today’s time and age. Driven by a global push for a cultural shift, flexible offices are on a steady rise. The way we work and what employees’ value is changing with time. Flexibility is really important for this generation of employees as well as entrepreneurs.

Co-working spaces are often associated with affordability, but in reality, the atmosphere, facilities, location, and networking are some of the reasons why startups are opting for co-working spaces instead of shelling out money on fancy offices. The environment nurtures ideation and collaboration and helps avoid hefty fixed costs.

What works?

Low Startup Cost

Renting commercial office spaces can burn a hole in your pocket. From signing a long-term lease to hefty deposits, renting an office can be very expensive, particularly if so much of space isn’t required at the beginning of a venture. Although most co-working spaces charge a monthly rent some places also offer hourly, monthly or pay-as-you-go packages.


The space cost of prime locations is often dramatically high and you may need to sacrifice location for a lower monthly rent. By opting for a shared office space, you can get an office in the central location and also stay well within your budget. Location is a crucial factor for business, having an office in a prime area not only makes a good impression on your clients, but also your clients won’t have a hard time finding you.

Flexibility and Networking

Coworking spaces create a flexible, convenient, and professional environment which nurtures creativity and generates a synergy between people working together. Also, it is easier to scale up the shared office space as the business grows. You can customize your contract to suit one person or a team until you move into a bigger commercial space.


Most co-working spaces offer facilities such as vending machines, fridge, microwave, air conditioning, and small café or a snack counter. As a startup, you need to save costs wherever you can and at the same time, you also need these necessities – which make shared working spaces an ideal solution. Some shared spaces also offer added advantages such as security and visitor management system like Veris. As a co-working space, it can be hard to keep track of employees and which organization they belong to and tracking one of those employees down can be a hassle. So, why not implement an iPad visitor management system? It’s modern, hip, and an effective way to greet visitors and locate staff using only an iPad/tablet.

Veris it is a cloud-based visitor management system that can help you organize and manage your visitor data. It lets your visitors pre-register or self check-in thereby saving you the cost of hiring a resource. The Veris app works like a full-time resource managing your visitors, employees, and also allows you to send QR code based invites to your visitors with GPS details, timings, parking instructions, and so on!

Veris leverages the power of technology to minimize hardware and human resource requirements. Get the Veris advantage to efficiently and smartly manage the visitor and employee data with just a few taps.

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Lawyers of Distinction: The Online Legal Directory

The Lawyers of Distinction is an online legal directory and is one of the 1200 “Best”__??__listing groups now in existence under another name. And alsoIt claims to be limited to the ten (10) percent of the lawyers in the country who apply for consideration and pay the membership fee of $425-$775 per year plus the opportunity to purchase additional glass plaques at the cost of $100 per plaque or $175 per glass statue.

And the rather vague reference to their Selection Process is governed by a committee comprised of five lawyers and one non-lawyer. An attempt is made to appeal to the in-depth review of a candidate’s legal credentials which can be actually submitted by the candidate themselves or by a fellow attorney.

It suggests that all of this extensive review is designed to pick the top 10% lawyers in the country. Tennessee has over 18,888 licensed attorneys which, based on a population of 6,651,940 indicates one lawyer for around each 10,000 citizens. In the entire country, there are 1,315,516 attorneys.

It is a pretty non-exclusive group as there are eighty seven (87) categories that anyone can list as an area of interest and Chattanooga’s membership consists of one (1) lawyer in Family and Divorce Law and one (1) in Educational Law.

Georgia Accident Attorney

Kenneth S. Nugent, P.C. is an experienced, dedicated Georgia personal injury law firm. Ken Nugent’s legal team are experienced in representing all accident cases. Our law firm is one of the largest in the Southeast devoted exclusively to helping injury victims and their families. When your everyday business is taking on large insurance companies and corporations on behalf of those wronged by their actions, size is absolutely an advantage. However, what makes us unique is much more than the amount of resources we commit to each client’s case. Ken Nugent represents car accident, truck accident, medical malpractice, wrongful death, nursing home abuse, product liability and negligence cases.

Ken Nugent founded his law firm in Atlanta in 1980 and the firm’s headquarters remains there today. But, shortly afterwards, he realized that many injury victims and their families outside of Atlanta were in need of quality and compassionate legal representation. Over time, he opened a total of 8 Georgia offices in— Albany, Atlanta, Augusta, Columbus, Duluth, Macon, Savannah, and Valdosta.

The personal rewards to Ken and his business have been many, including: Hundreds of families are able to find a way forward after tragic life-altering events; The firm’s day-to-day operation provides jobs for well-qualified members of the community; The financial success from the firm’s hard work and dedicated injury attorneys provides the means to support local causes and charities.
Kenneth S. Nugent, PC

208 North Westover Boulevard
Suite 101
Albany, Georgia 31707
(229) 420-3660
(229) 420-3677

Bankruptcy, Divorce, Family Law and Personal Injury Law Firm

The Law Offices of Jeanie K. Tupper, P.C. is committed to providing top quality legal services for our clients. Their dedicated lawyers are trained in representing you and meeting your needs. Areas of practice include Bankruptcy, Personal Injury, Workers’ Compensation, Medical Malpractice, Social Security Disability/SSI, Divorce/Domestic Law, Wills/Estate Planning, and Criminal Defense cases.

We take pride in putting our clients first and giving each and every client the personalized attention they deserve. We have an office conveniently located in Albany to better serve the citizens of Dougherty County and surrounding counties.

No market solutions here

You know, In a properly functioning market, reduced demand would prompt suppliers to cut output in search of equilibrium. But the legal profession consists of several distinct and dysfunctional markets.
For example, there’s plenty of unmet demand for lawyers from people who can’t afford them. Reduced federal funding for the Legal Services Corporation has exacerbated that problem. So has the rising cost of law school tuition and resulting student debt. Over the past 25 years, tuition increases for law school have far outpaced the rest of higher education.

In another segment of the legal market, demand for corporate legal work has been flat for years. But law schools business models generally have focused on filling classrooms, regardless of whether students will ever be able to repay their six-figure educational loans. Because most tuition revenue comes from federally guaranteed loans that survive bankruptcy, schools have no financial incentive to restrict enrollments — that is, until they run out of applicants.
When might that happen? Not soon enough, although recent headlines imply otherwise.

And this self-promoting website listing also contains a quasi-disclosure stating that the Lawyers of Distinction “designation is based upon the proprietary analysis of the Lawyers of Distinction organization alone and is not intended to be endorsed by any of the 50 United States Bar Association or The District of Columbia Bar Association”.

And also It appears that there is plenty of room in the “Distinguished” membership in Tennessee if you want to be included in the Top 10%.

How can an attorney get this designation? Just fill out on online application, get a couple of buddies to recommend you, pay the selected membership fee and you will probably be granted the privilege of claiming you are in the top 10%.

P.S. On January 12, 2018, Mockingbird Marketing made an announcement congratulating Lucy Davis for becoming a Lawyer of Distinction. Lucy’s application was accepted although she is a four legged canine! Whether she is qualified to compete with the Chattanooga Law Dogs is yet to be determined.

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Calculating the Price Tag of Driverless Cars

Excitement is building within the driverless car industry as the entrance into consumer market moves closer everyday. Arrival dates differ from expert to expert. According to some, driverless cars will be fully functional and on the road within a decade, while others are predicting it will just be a few years from now. There are also those who are sticking to the conservative ten year mark.

Beyond the release date, a few things need to be worked out before the driverless cars hit the road. The technology, for one, continues to need refinement.

Right now, laser-based systems, known as LIDAR (short for “light detection and ranging”) appear to be the most promising technology under development. However, if the cars themselves are expected to be able to prevent all collisions and avoid causing car accident injuries, work still needs to be done. Major companies like Google, Amazon, and Velodyne – along with over 50 startups – are entering the competition to release the most effective model.

The size of the technology and number of components necessary also make for less than attractive car styling. A LIDAR sensor on the roof with the possibility of adding secondary ones elsewhere, alternate radar systems, and cameras all need to be mounted onto the vehicles. The result looks ungainly and inelegant. Before the research can focus on reducing the size of the units, the industry needs to unanimously support a standard.

However, the biggest obstacle confronting the permeation of driverless cars into the mass market is their price tag.

Cost Will Dictate Adoption by Consumers

Individual teams of researchers and developers are already promoting their own cost-effective solutions to the problem of the high prices of driverless car technology. Meanwhile, they’re pointing out the high expense of their peers. A small start-up named Ouster claims their system will only run consumers $12K, while the Velodyne’s tech costs $75K.

Of course, no one knows the final figures, but even at $12K on top of the cost of the car itself, the price will remain out of reach for most consumers. Waymo, a Google spin-off company, says it has reduced costs of its $75K system by 90%, or to about $7.5K.

The average American car purchaser spends about $34K on a new vehicle. Convincing them that a 33% mark-up for a driverless car is worth it–or even needed–is going to be a hard sell.

Cost predictions, however, need to be examined for clarity. The $7.5K low-end estimate from Google is certainly cheaper than others, but that’s only how much the main LIDAR device will cost. Smaller assist versions will likely be needed around the car as well. This currently runs up a tab of about $8K each, unless Waymo can figure out how to reduce that by 90%, too.

Factor in an additional radar system at $10K and necessary cameras ringing in at around $5K, and the equipment costs quickly jump back into the five-figure range. Which is, again, in addition to the cost of the computer system that runs and coordinates all of the tech in addition to the original cost of the car.

The Prices Will Drop

Taken together, best case scenarios call for around $25K worth of driverless car tech to be added. This is almost the current price consumers are willing to pay for a car alone.

To put some comparative context around that, it’s the difference between buying a new Chevrolet Corvette for around $60K and a new Impala for around $30K. Both are nice cars, but most consumers are opting for the Impala price-range.

It’s the nature of technology that prices will come down. Miniaturization, for instance, brings manufacturing costs down, as does scalability. In 2007, the iPhone cost almost $600 in today’s currency, versus the now-routine $200 versions of each new iteration. Flat screen TVs cost around $5K for a 42” screen ten years ago and can be had for less than a tenth of that today.

Time will dictate the real costs, which will undoubtedly be cheaper than they are presently. Until then, we can all anticipate the safety and convenience, and try to wait as patiently as we can.

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What To Know About SingleCare

What is SingleCare

SingleCare provides its members direct access to top quality care, and signing up for membership is absolutely free. There are no monthly premiums, co-pays, member fees, or deductibles because members are only responsible for the costs of the services they receive. You can get a suprep coupon 2018 for great discount deals from SingleCare.

You know America’s healthcare situation is messy at best. Since 2010, the Patient Protection and Affordable Care Act (PPACA) — commonly called the Affordable Care Act (ACA) or Obamacare — has intensified efforts to insure more Americans and improve the transparency and reliability of our existing healthcare structure.

Health Savings

With SingleCare, your employees enjoy major savings on the health services they need, such as dental and prescriptions. And with our video doctor visits, they can get the care they need without missing work.

And also, in the past, most Americans got their coverage from employers, but as companies began scaling back these coverage plans in order to cut costs, employees started seeking alternative insurance options and participating in exchanges. Consequently, there are now more individuals in the open exchange, the open market where consumers can seek out better service from competing private insurers hoping to offer the lowest rates. In theory, this should increase market competitiveness and drive down prices.

You get full and part-time benefits

SingleCare helps employees access health services that may not be affordable. There is no exclusion for part-time and seasonal employees, who might otherwise not qualify for sponsored benefits.

But, the reality, however, has been exactly the opposite, as patients find themselves faced with higher deductibles and out-of-pocket costs before insurance companies are willing to chip in. Healthcare plans are written in complicated language, include hidden fees, and contain devastating coverage gaps. Many have been left with no choice but to remain uninsured or, in some cases, forgo treatment altogether.

And it’s simple to use

SingleCare is a terrific addition to your overall benefits package. Implementation is a breeze. No IT work, no claims, no headaches. Just give us some basic employee information, and we’ll take care of the rest.

SingleCare: A Better Option

And you know, as the country’s healthcare situation becomes increasingly complicated, many are searching for alternative ways to find more affordable treatment. SingleCare has responded to this new wave of coverage-seekers, providing affordable healthcare solutions specifically crafted to your needs on a pay-as-you-go basis.
SingleCare has secured pre-negotiated, highly discounted rates across an expansive network of healthcare and prescription providers, saving members up to 50% on a comprehensive range of services. There are no monthly fees and members only pay for the care that they receive, giving members the opportunity to receive affordable care.

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