2017 Technology Trends for Small Business

Small to medium-sized businesses are expected to contend with cloud adoption, the internet of things security, mobile payments, Al chatbots, and collaboration that will tool in the year. Technology may mature rapidly or emerge this year while such businesses are dealing with a continuation of trends in the world of Information Technology. However, some of the main topics will not fade away. A perennial concern remains in the cyber security system. As different threat vector change, the signs of security in information are changing. The cloud adoption is also expected to continue advancing. Chatbots are the special artificial intelligence tools that will invade the way business is operated. Comprehensive mobile solutions that include mobile payments will also be seen in this industry. As more options spring up, collaboration tools will be expected to increase. Click here for more information.

IoT Security Remains a Hot Topic of Discussion

The security of the internet of things is now one of the hottest topics for the past few months. Therefore, it will become a hot thing in technology trends in 2017. As small businesses bring more devices connected to their offices and stores, concerns about security will always be raised and expected to grow further.

The rise of malware like the Mirai has the capability to infect devices and turn them into botnets. These botnets conduct a distributed malware attack to deny the small businesses services using their computers. According to a survey conducted in 2017, security practitioners and Information Technology have seen an increase insecurity measure among small businesses that have most devices connected to their stores and offices using the internet of things.

While IoT is a new thing in the world of technology and business, we expect it to have many security challenges. However, the rise in technological advancements through the internet of things will have this problem solved with the coming years.

Cloud Computing Becomes a Norm

According to the state of SMB’s Cloud norm, SMB cloud adoption has risen with the rise in aggregation within the past few years. Over 70 percent of large companies are storing and processing their data using the online capability provided by cloud computing. Over 90 percent of market firms, according to the same research, have adopted the use of cloud computing. The factors that drive this mass adoption of cloud computing include cloud-based back-up and archiving, cloud storage devices, the adoption of basic and mobile collaborative applications, and the continued presence of employee mobile devices. Small business can take the comfort of putting their data in the public cloud. By the end of 2017, IT professionals will be expected to deploy more cloud-based services.

Artificial Intelligence comes live Through Chatbots

While small businesses are actively adopting the use of artificial intelligence on a massive scale, chatbots are the main form of artificial intelligence experienced in those businesses. Large companies use powered chatbots to engage in conversations with their clients and customers to enhance better service and production.

All these technology tools …

Evaluate Risk and Returns of your MF using a Mutual Fund Calculator

Risks are involved in every venture, and this is applicable to the mutual funds as well. Before investing in a mutual fund, you should be aware of the risk and returns associated with it. How can you do so? Here, we have listed certain factors associated with evaluating risks and returns of the mutual fund.

The following information is derived from the historical performance of the mutual funds. When you analyze previous statistics, you can estimate the future performance by performing mathematical calculations. Although this is not an exact measure, it can provide an estimate of the performance.

What are the Risks in Mutual Fund Investments?

  • Market Risks – The value of the mutual funds is driven by the market happenings. Hence, mutual funds are subjected to market risks. High volatility carries higher risk with it. Market risk should be analyzed before proceeding with the investment.
  • Currency Risks – If you are investing in offshore instruments, currency risks come into play. With the depreciation of one currency with respect to another, you can either gain or lose thereturn on your investment. Although you cannot predict the exact risk, you can derive an estimate. For example, if Rupee is depreciated against US Dollar, you will earn ahigher return if you invested in a US fund.
  • Industry Risks – Similar to market risks, but it is concerned specifically with an industry. If the particular industry witnesses a downfall, the stock prices will go down and vice versa. To prevent this, you should analyze the latest happenings in the industry.
  • Interest Risk – The interest rates are always changing and thus, it may affect the valuation of the equity and debt instruments. But, the effect is temporary and it may get better with time.
  • Country Risks – A lot of happenings in a country may affect your investment. For example, if there is a political unrest or any natural calamity, it will negatively affect your investment. If there is a new policy promoting growth in the industry, your investment may witness higher return.

You can analyze the potential of investing in mutual funds by using any mutual fund calculator, for which I highly recommend this website.

Parameters to Evaluate Mutual Fund Return

  • Risk-Adjusted Returns –Analyzing the risks associated with the mutual funds in the past and analyzing the percentage of returns associated with it, we can determine the most appropriate funds for investment. If the return percentage is same over a certain period of time, the particular mutual fund has a higher Risk Adjusted Return.
  • Benchmarks – There are certain standard industry measurements that can be used to determine the potential of a mutual fund investment. BSE Sensex and CNX Nifty are the major benchmark indices in Indian stock market.
  • Fund Manager Capabilities – Since trading will be done by a fund manager, it is necessary to peek into the capabilities of the manager. A successful fund manager should have a great track record. Moreover, decision-making skills are equally important.
  • Quality

Borrowers will receive the loan checks quickly from the money lenders

Business houses or reputed corporate firms which are in need of urgent finance can approach this company which offers tailored financial solutions for them. This spectacular money lending firm which efficiently and effectively manages millions of dollars offers attractive interest rates for all the loans. Parents can support their children’s higher studies expenses when they mortgage their homes through this company which offers attractive rates of interest. Emergency situations like surgeries, sudden hospitalization, accidents and marriages can happen at any point of time and head of the family will have to shell out thousands of dollars when such situation occurs.

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Banks and other reputed home loan companies will reject the proposal when they do not get convincing reply from the loan applicant or are not satisfied with their credit score. But this lending firm lendmorefinancial.com will not look at the repayment history, bad credit score or other factors and will offer the loan amount when they are happy with the application form. It is imperative to note that this money lending firm will do minimal background verification checks to understand the morality of the customers.

Visitors will be delighted with the services offered by equity loan toronto and showcase interest to apply personal or home loans through this company. Customers can utilize this money for constructing extra rooms, renovating the homes, buying furniture and also for other such luxury purposes. Borrowers can repay the principal and interest every month and close the loan at the earliest. Students those who are planning to go abroad for hire studies can apply for mortgage or student loan and reach the foreign lands quickly. Dial the phone number and speak with the loan officer immediately.…

The Importance of Understanding Occupational Safety and Health

Occupational health and safety (occupational health and safety) are areas related to the health, safety and well-being of people working in an institution or project site. The purpose of job security is for safety in the work environment, such as the using of Rockfall Protection & Snow Barriers that you can see at https://www.maccaferri.com/us/applications/rockfall-protection-snow-barriers/. Occupational safety and health also protects colleagues, workers’ families, consumers, and others who may also be affected by workplace conditions.

AppleMark

Occupational health and safety are important to morality, legality and finances. All organizations have an obligation to ensure that workers and others involved remain in safe condition at all times. The practice of occupational safety and health (occupational health safety) includes prevention, sanctioning, and compensation, as well as wound healing and care for workers and providing care Health and sick leave. Security and occupational health related to occupational health sciences, safety engineering, industrial engineering, chemistry, health physics, organizational and industrial psychology, ergonomics, and occupational health psychology.

Dangers in the workplace such as physical and mechanical harm

Physical harm is the main source of accidents in many industries. Such hazards may be inevitable in many industries such as construction and mining, but over time, humans develop security methods and procedures to manage those risks. Child labor faces a more specific problem than adult workers. Crashes are the most important occupational accidents and causes of death in the workplace, especially in construction, extraction, transportation, and building maintenance.

Machinery is a key component in industries such as manufacturing, mining, construction, and agriculture, and can endanger workers. Many machineries involving the removal of components at high speed, have sharp edges, hot surfaces, and other hazards that potentially crush, burn, cut, puncture, and inflict damage and injure workers if not used safely.

Narrow workplaces that have ventilation and limited entrance / exit, such as military tanks, aqueducts, etc. are also dangerous. Noise also provides its own dangers that can lead to hearing loss. Extreme heat temperatures are able to provide heat stress, fatigue, cramps, rashes, frowning safety glasses, dehydration, causing sweaty hands, dizziness, and others that can compromise work safety.In extreme cold temperatures, the risks faced are hypothermia, frostbite, Electrical shocks present dangerous risks such as electric shock, burns, and falls from electrical installation facilities

Occupational safety and health by industry

Specific occupational safety and health may vary across sectors and industries. Construction workers will require the prevention of falling hazards, while fishermen face the risk of drowning. The US Labor Bureau of Labor Statistics says that fisheries, aviation, timber, agriculture, mining, metalworking and transportation are the most dangerous industrial sectors.

Construction

Construction is one of the most dangerous jobs in the world, resulting in the greatest number of deaths among other sectors. The risk of falling is the highest cause of accidents. The use of adequate safety equipment such as guardrails and helmets, and the implementation of security procedures such as non-permanent ladders and scaffolding can reduce the risk of accidents. In 2010, the National Health Interview Survey …

Role of a Sales and Marketing Manager and How They Help the Organization

The role of the sales and marketing manager is very important in the present-day scenario. It is a lot of competition prevalent in today’s society and the sales and marketing constitute the most important part of the organization. They are the ones, who with their sales strategies help an organization to reach its goals.

There are a number of responsibilities, that a sales manager has, and if you are interested to know more about these different responsibilities, then you can go through the list of it discussed in details before:

  • They are the ones, who decide the target for the sales personnel. Based on the goals of an organization, the sales and marketing managers decide as to what monthly target should aim at. The most important aspect of any company to do well is to earn a profit. A good sales figure, definitely helps a company to reach its goals.
  • Marketing is also another very important aspect of an organization. It is only through a good marketing technique, that a company is able to reach out to people and also build a brand name for their company. Good marketing helps a company to reach its sales figures.
  • The sales and marketing manager also sets a proper time frame for the sales personnel to reach their goals. In the age of tremendous competition, you have to reach the sales figure in time, and the sales manager decides the time frame.
  • Apart from driving the sales and marketing of an organization, the manager also makes sure, that the sales professionals are able to make quality sales. Apart, from quantity sales, it is also important for the organization to make quality sales. If a company wants to earn a reputation in the market, it is important that the sales and the marketing manager of that particular company helps the organization to achieve both quality and quantity sales.

Barry Bulakites has been associated with the sales and the marketing of a number of companies and has helped that companies in achieving their goals. His leadership experience has made many companies reach their desired objectives. He has developed growth strategies and has put together a number of sales channels, in order to help an organization in reaching the desired goal. He has also helped an organization to build a result oriented team of sales professionals who have been able to successfully reach the sales target.

Barry Bulakites, apart from being a successful sales and marketing manager, has also been a reputed motivational speaker. He specializes in the field of retirement and distribution strategies and has also been a reputed consultant to the CPAs regarding the different retirement taxation schemes. He has been associated with the sales and marketing of different organizations and has made sure, that all of them have been able to successfully reach the desired goal.…

Do you know how much your company

Do you know how much your company is spending on printing, copying and faxes? If the answer is no, then you’re not alone. In many businesses printing is something that tends to happen below the management radar, so there’s little or no control over its costs and efficiency.

Of course, you can only take control of something if you can measure it, so understanding your existing set-up is the first step.

What Is a Print Audit?

A print audit from a company like http://www.xeretec.co.uk/services/print-audit is conducted to gather information on printer use, how printing resources are accessed and the operational costs that are involved in these activities.

It’s important to define the remit of the audit at the beginning of the process. Does it, for example, need to include things like photocopying and faxing? Does it take account of printing jobs contracted out to third parties, such as printing brochures and sales material?

The first stage of a print audit is usually to collect usage information from existing systems. Printer hardware always includes some form of copy counter which can be interrogated to find out how many pages are being produced. In the case of multi-function devices, this information should also be able to tell you how many of the pages produced are prints, how many are copies, and the proportion of jobs produced in monochrome and colour.

As well as the volume of printing, it’s also important to know where the jobs are coming from. You may have networked printers that are accessible by many people and also individual machines attached to desktop PCs.

You also need the audit to look at the cost of printing – not just the capital cost of the equipment, but how much you’re spending on consumables, on power and on maintenance costs. The costs of contracted-out printing need to be examined too. For many companies the total cost of their spending on print activity can come as a bit of a surprise.

Where Next?

Armed with the audit information, you can begin to look at streamlining your operation and bringing your printing costs under control. In some cases this may mean making just a few minor changes in order to optimise your print operations. In others it may require a more radical approach.

If an infrastructure change is required, then you have the opportunity to use the audit results to position printing equipment where it’s most needed. You also can take greater control of who is allowed to create prints and in what format. There are security implications here too: if your company deals with sensitive information, then you’ll want to have control over what is printed out. This in turn will help with compliance when it comes to implementing new regulations like GDPR.

All businesses are under pressure to cut costs. Understanding your print requirements is a step towards ensuring that money isn’t being thrown away on inefficient operations and unnecessary printing. Carrying out a print audit is the first stage of …

Legal cashiering is a specialised job

Legal cashiering is a specialised job. Managing the finance and accounting functions of a solicitors’ firm, particularly one handling and holding large amounts of client money, demands deep understanding of the Solicitors’ Accounts Rules and Code of Conduct. Any breach or slip-up opens the firm up to the risk of charges of money-laundering or fraud.

In-House or Outsourcing?

Traditionally, firms have conducted their legal cashiering in-house. However, as regulations surrounding the area grow ever more complex and cost pressures mount, more and more firms are recognising the advantages of outsourcing this function.

It is, of course, essential to choose the right provider. Relevant experts, such as Pinpoint | Outsourced legal cashiering service | Cloud based software, are always happy to discuss their tailor-made services, allowing firms to assess the benefits for themselves.

Focus on Your Business

Engaging an expert to manage its accounts allows a solicitors’ firm to focus on its specialism of providing excellent client care. Fee-earners need only record their fee-earning activities and disbursements. Providing the legal cashiering service with daily email notifications of incoming and outgoing monies is then all that is necessary to allow them to do the rest.

Personalised Service

Engaging a legal cashiering service does not mean giving your firm over to a faceless call centre or help desk. The best legal cashier services ensure each firm has a named cashier and deputy to provide a personalised and easily accessible service. At least one of these individuals will always be contactable during the working week.

Cloud Access for Business Continuity

Legal cashiering providers offering cloud-hosted services mean that client firms have 24/7 access to files and finances.

Compliance and Reconciliation

A legal cashiering service will take away the administrative and intellectual headaches of ensuring that your firm complies with all the latest industry regulations. They will ensure this is done in a timely fashion so as to avoid all risk of financial penalties. It will also ensure all bank accounts are reconciled in order to satisfy the firm’s obligations under the SRA Accounts Rules.

Interactive System

Many legal cashiering services recognise that just because firms outsource this aspect of their operation, it does not mean they do not want to monitor their accounts data. Consequently, excellent legal cashiering services offer fully interactive packages.

Cost Savings

Employing an in-house cashier inevitably involves overheads. Some, such as salary, training and office space costs, are fairly predictable. Others, including recruitment costs, can surprise employers at inopportune moments. Outsourcing the cashiering function replaces these overheads with a single, predictable and affordable monthly fee.

Smooth Out Cash Flow

External cashiering services are experienced at claiming back money due from clients. They will also watch for the late arrival of monies due or anomalous amounts received and ensure appropriate remedial action.

Accounting Issues

No small matter for any business, accounting issues can be particularly complex for law firms. External cashiering services can help streamline this process by ensuring all accounts are kept in good order. It will also be …

We all know what makes bad office design

We all know what makes bad office design. It’s just common sense, really. Cramped, dirty and dark, overheated or too cold, draughty offices with cluttered old furniture and impractical work spaces will make for unhappy workers, high turnover, low productivity and more days lost to sickness.

So it is no surprise that a well-designed, bright and airy office which takes its workers’ comfort into account at every turn produces more creative, more efficient and happier staff.

But how easy is it to create a well-designed office? What elements are the most important, and how can you go about achieving them? Here we take a look at some of the more important factors.

Functional and Practical

Perhaps the most obvious element of good office design is that is must be both functional and practical. That is, the office must be fit for purpose. There’s no point having a fantastic-looking office space which your workers find inaccessible and impossible to actually work in.

So there must be enough space for all of your employers, including the part-timers, and that space must be carefully set out so everyone has somewhere they can call ‘home’. Even in offices where desks are shared, it is important that your workers can feel a sense of ownership for the space they use. If they are allowed to personalise this space, all the better.

Flexible and Future-Proof

Another important element of any office these days is that it should be flexible, so you can easily change it according to your business’s varying needs. For instance, if you have a special project which requires an influx of temporary staff, you need to have somewhere to put them.

In addition, you should be able to adapt your office space as and when it needs it. So the ideal situation is an office which fits your usual needs – say, small offices for meetings, break-out areas for less informal chats, and a large open-plan space to house the main body of staff – but which can be changed at minimal notice.

Being future-proof, too, is an important consideration. This means having an office which is simple to move around, with space for your business to grow if necessary. You don’t want to get stuck with a tiny rigid office where everyone is crammed in, leaving you no room for manoeuvre.

Comfort Is King

The key to every good office is comfort. And this doesn’t just mean having armchairs in the break-out area. Comfort is also so much more than just an adjustable chair to sit on – it’s having the right lighting levels, the correct temperature in all weathers and space to move around when you need to.

So a well-designed office makes the most of its natural light or uses carefully planned artificial light in its place so there are no dark corners or overlit areas. It also has excellent air-conditioning systems which can easily be adjusted when the weather turns warm or cold so every member of staff is …

Risk management and mitigation

Risk management and mitigation are key parts of land and property management today. One of the mitigation measures that can enable risk scores to be reduced is the purchase of insurance against the wide variety of environmentally based claims that can arise.

One of the difficulties in pricing insurance policies is the problem in costing any remediation work that the client would have to pay for in the event of a proven environmental liability. This can arise in the case of an accident, such as spilling of a pollutant, biodiversity damage, fire, contamination of water supply, or from problems with the way the land is being used.

It is also sometimes necessary to take out a supplementary environmental damage or pollution insurance policy because of specific exclusions in the general insurance policies that are held by the land or property owner.

Remediation Costs Have Risen Significantly Both EU and UK laws have been amended recently, with the result that the potential cost of remediation has risen significantly. In both property and liability insurance policies, pollution is frequently excluded from cover. This has led to an increased recognition that environmental liability insurance is important and a growth in the availability of insurance policies that cover environmental risks. However, it is essential to take expert advice before buying a policy, as the risks covered vary widely from one policy to another.

Sometimes the landowner simply does not know the level of risk or possible pollutant involved in acquiring a site or business. However, there are large databases covering this area – it’s important to check that your insurance agent has access to one of these so that they can accurately advise you.

As noted previously, remediation costs can be hard to estimate, so you can find yourself over- or under-insuring because of a lack of clarity on how much a clean-up would cost in various circumstances. An expert insurance adviser will have computer programs that can analyse and accurately estimate remediation costs so that you can be sure you are covered for the correct amount.

There are a number of extra optional areas you may wish to cover. These range from loss of rent to reputational damage, the cost of cleaning up contamination by non-regulated materials or the transportation of possible pollutants from one place to another.

Beware a “Generalist” Approach
Unfortunately, environmental policies that are sold by non-experts can prove almost useless in practice – for instance, if they were drawn up to cover a different type of risk than the one facing the client. One of the key liabilities of a new land or property owner is that they are liable for remediation costs of any contamination on the land if the original polluter cannot be found. Furthermore, even if you contaminate only your own land, you must carry out remediation work at your expense.

Many generalist insurance agents and brokers can accidentally leave their clients without cover for losses that are contamination-related. They can believe that the pollution exclusions …

How to Apply for International Driving License

Do you aspire to explore the world on your own wheels? While you were unstoppable when on the wheels on Indian roads, a foreign land may not accept your Indian driving license without a legal and necessary permit. Most of the countries have the facility of giving a car or two-wheeler on rent but only after you show them an International driving permit.

If you wish to drive abroad you must apply for an International Driver’s Permit or an International Driving License. A valid International DL can be used for driving two-wheelers as well.

What is an International Driving License or International Driving Permit?

IDP or International DL is a document that is approved by the UN/United Nations and is issued to vacationers travelling to foreign countries permitting them to drive in the foreign land. It is nothing but a translation of your own Indian driving license into the language which is acceptable and understandable by a foreign authority. International DL states that you are a valid DL holder and are fit to drive.

The validity of an IDP or International DL is mostly a year from the date of its issue, after which it expires. To know more visit https://www.acko.com/driving-license/international-driving-license

Eligibility to get International Driving License

Not everyone can get an International DL. Though various countries may levy a different fee to issue IDL, but most of the countries hold a similar eligibility criterion that includes:

  • The applicant should be above 18 years of age.
  • The applicant should possess a valid Driving license.
  • The applicant should submit the required official form which must be issued by the concerned authority along with the 3 passport-sized photographs.
  • Only Indian citizens can apply for the International DL through an Indian transport authority.

Process to Apply for an International Driving License

It is not so cumbersome to get an International DL. The individual must specify which country he wishes to drive in to apply for an international DL. This will provide the driver a driving license permit in that particular country only. The process of application for International DL is as below:

  • To apply for an International DL, the applicant must visit the nearest RTO of his city
  • Ask for the Form for the Issue of International Driving Permit or Form 4.
  • The applicant must carry all the required documents
  • The applicant must pay a fee to get International DL
  • The International DL will be issued to the applicant after a complete processing of his application. This process can take 3 to 4 working days or more.

International Driving License Form details

The Form for the Issue of International Driving Permit or Form 4 will require you to fill in the following details:

  • The full name of the applicant
  • The address of the applicant
  • Driving License number
  • The country which the applicant is travelling

The list of documents required for International Driving License:

The applicants need to submit the following list of documents along with the Form 4 or Form for the …