Life Success Learning to Create Positive Habitual Behavior & Overcoming Negativity

The first and sometimes most important success habit that must be formed is one of positive thinking. Dwell on the positive exit that's desired and avoid thinking about anything that's not wanted. Nothing will ensure failure faster than the very thought that the failure will occur. People say that it's absolutely normal for negativity to creep into our thoughts. Be that as it may, any negative thought has to be banished immediately and replaced with a positive one. This simple, yet effective technique, practiced regularly can help you move towards success like nothing else.

Forget about the past, it's gone and there's no going back. Regardless of what's happened before, today is a new day. Holding onto the past ensures that you'll stay right where you are in life. Letting go of past failures allows you to see the potential for future success and to move towards it. Realize that any past failures, real or imagined, were purely lessons that you thought to this moment in time. Appreciate the education you received and bravely move towards success with the knowledge you've gained.

Overcome the desire to put things off until another time. For most people that procrastinate, another time never comes. Things pile up over time and there's no way to catch up, adding to frustrations and even more procrastination. Whether it's taking out the trash or calling a client, get to it right away. Only by getting straight to work and finishing tasks can success really be accomplished. Practice this non-procrastinating lifestyle and you'll soon find not only that things are being accomplished, but that you have time left at the end of the day too.

Another important aspect of success is the ability to manage time. It can be very easy to lose track of time and difficult to get back on track. Keep track of everything you do during an average day and how much time it took to do it. Go through an entire week of this. Now evaluate and see what should be adjusted or eliminated for optimal time management. Continue to develop a schedule that allows maximum time for every activity. Include all your business and personal time in this and you'll soon find a workable and even profitable schedule for yourself.

Develop the confidence to go forth and conquer. Knowing a thing can be done and believing you can do it are two entirely different things. It's vital to your success and the success of all of your endeavors that you are confident in your self. Confidence shows through everything you do and it affects your ultimate success more than you think. Carry yourself importantly, speak with authority, be secure with yourself and walk tall. Believe in yourself and your ideas and present them with passion. Do these things and others will recognize your confidence and want to be associated with you.

Success is not a matter of predestination, it depends upon the will of the seeker. With the will to succeed, it's possible to do anything you desire. It really is as simple as that, despite the general tendency to believe otherwise. Over and over again, success stories appear that portrait down and out individuals that executed their own free will to rise above. Exert your will over the situations in your life, change them to suit you and your goals and success will follow.

What is success? Is it money, power, health or spirituality? Success means different things to different people. For some, success can only be seen in the form of financial gain and power. For others, success means a happy, healthy family with only the basics of life. Regardless of how it's defined, success is possible with the proper application of some basic habits and the development of key character traits.

BOTS Companion of a Modern Revenue Manager

Bots have become an important part of human life both, at the personal and professional front and their involvement is climbing new peaks with every passing day. They surround us in our daily life in the form of Artificial Intelligence, Search Engines, and Software. Part of it has also paved way for smarter and efficient revenue management for hotels fueling the debt that if humans should be irrevocably replaced with bots for this complex round the clock function. Although the practice may be at a nascent stage to draw concluding, it has certainly made a mark in the real of the hospitality industry and has become an indispensable part of any hotel revenue management.

Artificial Intelligence powered robots can analyze and synthesize large chunks of hotel data collected at various touch points in a fraction of seconds to present meaningful insights about the booking pattern, demand, guest behavior which is impossible to be grouped or processed by any amount of human workforce with the same efficiency as bots. It will not be an exaggeration to say that the Artificial Intelligence has sort of revolutionized the hospitality industry across the globe, enabling every business to improve on multiple fronts like hotel pricing, price optimization, revenue management, guest experience management, booking management, demand and even capacity optimization of properties.

Furthermore, these bots are also capable of analyzing trends and trace upcoming events in the town to estimate the rise in demand, providing enough room for revenue managers to tweak the pricing and availability instead of fire fighting the situation at the last minute.

Leading hotels have already started betting big on AI powered bots and poised to explore new ways to make bots a part of their business operations. One significant advantage bots have over humans is that they can work tirelessly 24X7 with the same precision. Hotel industry requires attention 24X7 and is one of the most dynamic industries with continuous fluctuations in trends, demand, and prices. That is where these robust machines have huge value to add to the revenue management realm. These invisible machines can not only quickly determine the best rates at a particular time for your property, (room rate optimization) but also advise the revenue managers on which segment to target and the kind of promotional offers to be run to maximize the revenue.

Another major area where hotels continue to hustle is direct bookings. Hotels have been continuously trying to improve booking numbers on their own website since OTA missions are touching skies, eating up a major revenue share of hotels. Hotels would be surprised to know that even in this area, bots can improve their game and help increase the number of bookings by a decent percentage. With advanced learning capabilities and rigorous analysis of visitor's purchasing behavior, AI powered bots can refine the visitor experience and personalize every visitor's journey to their needs and interests. This increments visitor engagement and reduces the cycle time of purchase leading to conversion on the hotel website itself.

This again brings us to the joke that wherever revenue managers can be gradually replaced by bots completely risking their roles and jobs in the industry altogether. The answer is obviously NO since these micro machines can only process and analyze only a set number of parameters in their decision and often neglect external market implications that may not be considered by such bots but are easily identifiable only by human revenue managers and this acumen is gained by experience.

Therefore, the ideal mix should be machine results mediated and supervised by human revenue managers. For eg, Pricing is one area which could have been automated with a reasonable amount of diligence and control of the revenue manager. Similarly, online reputation management can also be monitored with technology; however, a personalized approach will take you a long way. The key is to automate the processes that require minimum human intervention and involve human where necessary. This will help revenue managers to don more hats at the same time like exploring more avenues to maximize per guest audience and focus on other revenue increasing strategies.

Thus, witnessing the scenarios discussed above, we can conclude that the status of the bots is of a companion to revenue managers instead of a successor who will complement them at every step with razor fast information and analysis of the market and competition, enabling revenue managers to take informed decisions in no time and help them optimize revenues and drive the hotel towards new millions of success.

Understanding GLBA Compliance

When an individual or an enterprise employs the services, or uses the products of any financial institution, they are protected by the Gramm-Leach-Bliley Act or GLBA. This act is applicable to all financial institutions and has been enforced to protect customers' confidential information. The FTC or Federal Trade Commission presides over all institutions that provide loans, advice related to finance and investments or insurance. All loan brokers, debt collectors, entities who prepare tax returns, banks, real estate settlement service providers, non-bank mortgage lenders and real estate appraisers come under the purview of this act.

As per the GLBA compliance financial institutions have to implement security standards to protect the customer's information from unforeseen threats. The act mainly provides cover for collecting, disclosing and protecting customer's personal information. Thus it is extremely necessary for all financial institutions to implement a compliance management procedure that takes care of the security policies.

Importance of GLBA

It is not a simple job to handle a financial institution. Simply providing attractive offers is not enough to acquire and retain customers. It is also extremely important to safeguard customer information and ensure their security. Financial issues are highly sensitive and critical. Therefore organizations in this sector have stringent security measures to adopt. Effective compliance management software can be helpful in ensuring GLBA compliance to a large extent. Here are the features common to most GLBA compliance solutions in the market:

GLBA Compliance Management Software Features

1. Cloud based program using on-premise deployment procedures to help reduce large investments. With easily available cloud based services the returns are very high.

2. They reduce the time typically wasted on individual compliance processes, and therefore reduce management costs.

3. A centralized repository procedures handle the data efficiently by storing documents, evidences and processes in one place. Accessibility to this data is possible from any location and at any time.

4. With the help of centralized dashboards, institutions can have clear visibility of the compliance status that is being enforced across multiple units located globally.

5. They provide a web based secure interface for easy accessibility, management of workflow, inventory control and document management.

6. They conduct intranet scanning of information and integrate all information related to compliance from several sources and match them against compliance signatures.

7. They handle all activities that are relevant to compliance and compliance compliance regulation optimization by sending reminders.

8. They monitor and track movements to detect any loopholes and immediately set remediation processes in action.

9.They provide an exhaustive audit trail.

GLBA compliance has been beneficial to both customers and financial institutions. While the mandatory regulations of GLBA ensure a high degree of IT security, making financial institutions safer for customers, by ensuring compliance with GLBA financial institutions can win people's trust and attract more prospects.

Freight Management Solutions

Business models of all sizes have complications. The goal of businesses in terms of logistics basically narrows down to having what the consumer desires, at a price they are willing to pay, in the quantity they wish for when they want it. That is not too much to ask right? Companies with issues in logistics are continuously searching for freight management solutions often times turning to companies that specialize in providing this service for companies big and small.

This is done in one of two different ways; third party logistics or fourth party logistics. Third party logistics uses outside companies to carry out the various logistic operations that have been accredited to being done internally. An example of this is when a company that has its own storage facility decided that it will now use an outside transporter to carry out distribution. Distribution was previously done by the company but in evaluating it was determined to be more cost effective to bring in a third party for this sector of the supply chain. This was determined to be an effective freight management solution.

Fourth party logistics is somewhat of a new concept. This is when a company determines that the freight management solution that desire is one in which the whole logistics procedure is outsourced to another party. This company has a sole purpose of providing logistic solutions to companies. They bring together their companies resources and technology and pair it with other organizations to plan out, operate and maintain a fully functioning supply chain.

The main difference between the two; third party logistics and fourth party logistics, is that the third party is specifically targeting one function of the supply chain solution where as with fourth party they manage the entire process from beginning to end. In general a fourth party logistics provider is a contractor serving the entire logistic needs for a company.

Fourth party logistic providers are the future of freight management solutions. Consulting companies are now offering so much in the way of cost savings and services to companies that they are becoming hard to live without. It is easy to see how needed a fourth party logistics company is when examining inbound logistics and outbound logistics. In smaller companies especially it is important to have support that specializes in all aspects of logistics. To pay specialized logistic personal to be on staff would not be nearly as cost effective as hiring companies, with a system already in place to help manage that piece of the business puzzle.

Inbound logistics is a basic process in the business equation which includes purchasing, arranging the movement of materials coming in, parts and finished inventory from suppliers to manufacturers, assembly plants and stores. Outbound logistics is related to storing and moving the end goods and information from the end of production to the end user.

The field of logistics is complex and absolutely integral to a business's success. Without the proper logistics in place a company could be losing money with increased shipping costs or improper communication through the supply chain. In order to give the client what they want, when they want it, at an acceptable price and time a highly functioning freight management solution should be maximized.

6 Steps to Effective Customer Relationship Management

Nurture Your Customer Relationships

Simply put, customer relationship management is a way of tracking and nurturing your customer relationships throughout the customer's life-cycle, as they move from prospect to customer, to repeat-buyer. Once a customer buys from you, it is much more profitable to make efforts to keep that customer, than it is to acquire a new one, because there is now trust between you. If your customer is happy with your product, then that customer is much more likely to buy from you again in the future, much more likely than a new prospect would be. That's why customer relationship management is so crucial.

Don't badger your customers to death with every product and affiliate offer you come across, especially if the products are unrelated to the product the customer originally purchased. Email your customers ONLY when you have something good to give them, some really helpful information, or when you have a really good, high-quality offer that would interest that particular customer. For instance, don't email your Internet Marketing customer a "Free Gift Certificate" to your gift store.

Automate Your Customer Relationship Management

Well, how do you automate customer relationship management in your e-business? You use email, and a dynamic database. You use auto-responders to stay in touch. I'm not talking about your regular auto-responders that deliver a vacation or "out of office" messages while you're away, either. I'm talking about sequential auto-responders.

Use Sequential Auto-Responders In Your e-Business

Sequential auto-responders allow you to pre-format and load a series of pre-typed messages to your prospects and customers. You benefit by not having to follow-up with these customers manually each time. Instead, your auto-responder delivers your messages on a timed interval set by you. To your customer, it looks as if you sent out each message yourself. This way, you stay in touch with your customer and not let them forget about you. When they have a need for one your products or services, your business will hopefully come to mind first and they will re-visit your site directly or by clicking a link in one of your emails, as a loyal repeat customer.

Personalize Your Messages for a Warm Feel! (Mail Merge)

Most decent auto-responders have mail-merge capabilities. This is the ability to merge personal information into your emails, like your customer's first and/or last name or their email address, etc. This personalizes your email messages even further and gives your customer some "warm and fuzzies". What's more you set all this up just one time, and any new prospects or customers will get the same message series without you having to lift a finger.

If the sequential auto-responder you're using has mail-merge capabilities, then it will automatically take that customers name and incorporate it into the email series you have set up. Usually the auto-responder service you're using will have some sort of tokens set up for this purpose. Look at the example below. Let's say your customer or prospect's name is Bob.

Hello, $firstname, - That translates into: Hello, Bob.

You could also do this with a customers email address too, like "$email". The token would be replaced with the customer's email: bob@bob.tld













Do you see the power of mail-merge?

Use Lead Capture and Subscription Boxes

For instance, you could set up a simple box on your sales or download page that asks the customer for his/her name and email address in return for some free product, or simply just to subscribe to your newsletter. If you set up a page specifically for this purpose this is called a "lead capture page". The information entered by the customer into your subscription box can be mail merged into the follow-up messages sent by your auto-responder.

Stay In Touch

Keep in contact with your prospects and customers. Set your auto-responder series to deliver your messages over an extended interval. There are several e-books and articles dedicated to this topic; however, if you want the first, most informative and still the king of auto-responder help, get "AutoResponder Magic". This e-book once sold for about $17, but you should be able to find it free many places on the 'Net. It has a plethora of information regarding auto-responders, as well as many examples you can build from.

7 Top Tips to Car Salesman's Or Saleswoman's Success

Given that car sales account for 19% of total US sales in 2000 (source: US Small Business Administration), a lot of people are buying cars which mean that they are a lot of people selling cars. Additionally, new car sales have dropped from 63.4% in 1989 to 60% in 1999. Selling cars is not easy given that many still have a negative perception of car salesmen or women. Hopefully, these 7 tips may help you to sell more cars.

1. First and Foremost YOU need to think of yourself as a business. Car sales people work for an auto dealership, but most work on a salary and commission basis. When your compensation is commission based, this means you have more control of your destiny and should view yourself as a business instead of just a sales person.
2. Adopt a Planning Attitude. If you do not have a plan, then you are on some else's plan - usually the successful car saleswoman or salesman. As a practicing performance improvement consultant or coach for the last 10 years, I have observed that most people plan less for their own lives than they do for a simple visit to the grocery store.
3. Learn how to prospect. There exists a fundamental belief that the auto dealership is responsible for bringing traffic through the door because the dealership owners have all those "big bucks" for media advertising. Given that 80% of all new sales comes from referrals, would it not make more sense to prospect individually rather than simply on outside resources to control your destination? Those media efforts usually bring in suspicions, not prospects. Use your time wisely by focusing on prospects those who have a need, dollars and are a decision-maker. Do not rely only on the auto dealer to send out letters. Take the time to write some handwritten notes.
4. Improve your sales skills to make more money. Today's buyers are far more savvy than years ago. Learn how to cultivate and develop long term relationships. Consider a proven buying / selling sales process where marketing and selling skills are united to deliver to the desired results of another sold car. New car sales to used car sales are far more relationship based selling than years ago when car sales was a commodity sale.
5. Establish your sales goals using your great planning attitude. If you are a car salesman or car saleswoman and have 300 customers and the industry average sales cycle is 3 years, then every year you should be selling 100 cars. Focus your efforts of those who will be buying a car this year, but remember to continue to touch those who will potentially be buying another car in 2 or 3 years. HINT: Use the WAYSMARTcriteria for goal setting.
6. Identify the attitudes or beliefs that are obstacles to your success. Working with those in the auto industry, I have heard countless reasons why sales can not be made. However, when these reviews are reviewed, they are usually unfounded reasons based upon existing attitudes and beliefs. For example, "corporate has ruined the car industry by posting prices on the Internet. Everyone knows everything about the car." My response is "if price was a real objection, then everyone would be driving a Yugo or a Chevette. HINT: When you change how you look at things, the things you look at will change.
7. Make managing yourself priority number one. You must learn how to maximize your time especially in the area of ​​time management, ongoing professional development such as through business coaching training and personal life balance. The auto industry is truly a 24/7 business given that cars are with us each and every day of our lives. However, it is important not to lose sight of your personal life including family, friends, physical health, etc.

Yes, you can be an incredible car salesperson who can increase sales through these 7 simple car salesman tips. Just remember, sales regardless of industry is all about knowing your numbers and then multiplying your activity to secure those desired results.

BYOD - A Device Responsive Practice

The unpresented growth of smartphones and laptops in an individual's life has made the gap between personal and professional life negligible. This de has led to a new revolution in the market which we know as BYOD (Bring Your Own Device). BYOD is a practice that enables employees of an organization to use their own devices (ie smartphones, laptops, tablets and computers) at work. Like BYOD, businesses also implement Bring Your Own Computer (BYOC) and Bring Your Own Technology (BYOT), which fall under a greater umbrella of consumerization of IT. This is blending of the personal and professional workspace with help of the internet and smart devices, majorly pushed by the millennial these days.

" BYOD is making significant marks in the business world across the globe with about 75% of employees in higher growth markets such as India, Brazil and UAE and 44% in the developed markets using their own devices at work." - CXOUnplugged.

How BYOD can transform your business

BYOD has created various opportunities in the market and is making workplaces flexible than ever. Here is how BYOD will help you take your business to the next level.

• Enhanced productivity

When you allow all employees to use their own devices at the workplace, the comfort of working on a similar device increases the employees work efficiency. By making use of familiar technology and user interface the employees will not have to engage their time in understanding a new device.

• Reduced infrastructure cost

Many times for a company, major amount of capital goes into building IT infrastructure and maintaining it which can come from the cost by implementing BYOD. When a company implements BYOD, it automatically reduces its cost of procuring devices for each employee and instead can provide better connectivity services in the organization.

• Improved employee loyalty

When a company allows its employees to bring their own devices at work, absolutely gives them a sense of trust by the company on them. By giving the freedom to use a foreign device at work and giving them the access to company's confidential data on their device, you generate loyalty among the employees, which makes them give the better result at their work.

• Ease of transit management of employees

The best part of having a Bring Your Own Device Policy is that you do not have to keep a check on the physical devices when any employee joins or leaves the company. Any sort of configuration to the company's network can be done via the cloud. In case the employee is leaving the company, his device / devices can be simply removed from the company's cloud network. No hassles with LAN wires required.

"A recent survey by the handset manufacturer Blackberry stated that 41% of Indian organizations have a BYOD policy." - GadgetsNow

With such a huge percentage of Indian organizations implementing BYOD, the next question that needs to be answered is how to implement BYOD in a business. When implementing BYOD a company should also have a stringent policy to make sure the functioning is smooth. There should be no loopholes which can put the company's confidentiality in danger.

BYOD - How to implement it in your business

To have a seamless implementation of BYOD , an organization needs to have a strong policy in place. Here are the 7 things you need to consider while implementing BYOD.

• Payments for the devices and data usage

• Device support and access levels for everyone in the workplace (permanent employee, contractual employee, and guests)

• Data storage (Cloud / local storage)

• Employee data privacy (employee's personal data should not be leaked or shared across the network)

• Data authentication (type of data that an employee can view or edit while not at work)

• In case of theft, damage or missing device what steps need to be taken

• Restoring the data in case of the device is sold, disposed or is no more in use.

How To Choose A Boxing Gym

Health Clubs

Exercise fads come and go. If you don't believe me, sit up after midnight and watch the parade of info commercials on TV. The majority of them focus on the latest hot trend for shaping up. Some health clubs do offer boxing classes, but they may only view it as a temporary fad. In other words, the classes will be offered only as long as gym management thinks that what their customers will demand boxing training. If you want to do training for the long run, find out if the gym offers the class on a regular, on-going basis. This is important if you're going to put your money down. Health club memberships usually aren't cheap, and their contracts can be hard to break.

Some health clubs have fitness or aerobic boxing classes, which focus only on the workout itself. No sparring is involved. If you only want to hit the bags and the punch mitts, these classes are perfect. If you do want to compete at some point, talk to the trainers to see if they do prepare people for that. If not, seek out another gym.

Take into account the atmosphere of the health club. Some are glorified social clubs, while others cater to a certain crowd, like bodybuilders, for example. The culture of the club may have a bearing on how you may like or not like training there.

Traditional Boxing Gyms

A buddy of mine attends a gym where mostly professional boxers train. He described the boxing training atmosphere as being intense and no-nonsense. The fighters are hungry, and they want to win championships.

These types of gyms are usually privately owned. Some have a mix of amateur and professional boxers among their members. I have heard of a few gyms that are strictly for professional fighters only. Be prepared to work when arriving at the door of a traditional boxing gym. The trainers will expect that everybody who comes there will work hard on their training. They're not going to waste time on anyone who won't.

Prices vary. Unlike health clubs, some boxing gyms do not require people to be locked into long term contracts.

Participants can pay their membership dues on a monthly basis. On average, monthly fees can be as low as $50.00 all the way up to a couple of hundreds a month. Those who know they'll be going less often can pay a day fee, which may range between ten to twenty-five bucks each time. Paying a day fee is also a good way of checking out a gym before committing to boxing training there.

Personal training as well as group classes can be had at traditional boxing gyms, but keep in mind that separate fees are involved.

Some of the older gyms haven't gotten around to making their places welcoming to women, unfortunately. Don't be surprised to find there's no designated women's washroom or locker room in older gyms. If you can overlook having to use a converted custodian's supply room in order to change into your workout clothes, more power to you. Maybe if you push enough, management will make the changes.

Municipal Park District Boxing Gyms

If you live in or near a big city, boxing training via the park district may work for you. The fees to work out are much less than going to a health club or to a private gym. Another plus is that these types of boxing gyms often can be found closer to your neighborhood.

Their biggest asset, being open for all, can also be a park district's boxing gym's major drawback as well. All kinds of characters are drawn to boxing gyms. Private health clubs and traditional boxing gyms can put barriers up to keep some problem personalities out. Those who train at park district gyms may have to grin and bear some difficult people. It's a great idea to talk to the coach before signing up to get a feel for how those types of gyms operate.

Boxers in these types of boxing gyms often participate in local competitions, and some park districts do hold boxing shows throughout the year. If you find an adults-only boxing class through the park district, great! But keep in mind that the park district's main focus is being family-friendly and providing recreation for youths. Many of their boxing programs may be for all ages, in the same gym, at the same time. If it's not going to be a problem to train alongside grade and high school kids, then go for it. Being around people who are at different levels in terms of boxing skills is a good thing. Everyone can learn from each other.

These types of boxing gyms tend to be no frills. The field house, or building where the boxing gym is, may not be in the best of shape. There may not be locker rooms or showers, depending on the location. If the coach can't make it in on any given day, the gym may not open.

Getting personal attention once in awhile may be a challenge depending on how many people are in the class. Some people question the level of training and the quality of coaches who work within the municipal recreation system. But you may prefer training in these types of boxing gyms as opposed to privately owned gyms.

All Female Boxing Gyms

These gyms are a great alternative for women who want to avoid dealing with issues in predominately male gyms, such as sexism and macho attitudes. The emphasis is on empowering women. They tend to be more respectful of women who are only interested in becoming fit, as opposed to wanting to compete. Many offer classes for those who prefer classroom structure.

Ask questions, talk to the coaches, and talk to the people who attend the gym so you can get a clearer picture of which gym will work well for your training purposes.

5 Ways Blockchain Will Transform the Life of a Common Man

With all of the media set ablaze with news of prices of cryptocurrencies, you may wonder how it affects a common man. Right at the heart of cryptocurrency and other digital currencies is Blockchain technology.

There are various industrial and administrative problems that the technology can solve for the common man. Do you own a small business but often feel transparency is lacking because of traditional methods of communication? Have you ever ended up with higher than usual medical bills? As a business owner, is finding legitimate candidates a hassle for you? These problems affect entrepreneurs, startups, small businesses, individuals and Blockchain technology seeks to provide solutions to make the life of a common man much simpler through simplified solutions.

Banking

Banking in almost all countries is still very focused on paper-intensive transactions for any money transfer, recordkeeping or other back-end functions. Blockchain technology can replicate this in a digital format and create a decentralized ledger that allows not only the bankers but also the customers to access a single source of information. This system allows banks to eliminate chances of fraud as documentation and proof of ownership of assets can be checked digitally by bankers in the Blockchain ledger which can be accessed at any time in an unalterable format.

Identity theft is also a major problem in the banking sector, with citizens' information being stolen and used to open fraudulent accounts for illegal activities. According to the Federal Trade Commission's online database of complaints, there have been over 13 million complaints filed for card fraud and identity theft with 3 million of these complaints being filed in 2016 alone. Through a blockchain system, customers can directly view all accounts owned under their name and immediately notify their respective banks in case they spot any suspicious activity in their banking details. Some of the known examples include IBM-backed Hyperledger Fabric project and the Utility Settlement Coin by UBS.

Healthcare

Blockchain technology can simplify healthcare in incredible ways and make medical data management much simpler. Making patient records widely accessible can allow research on drug development much more convenient, and it also reduces the implications of counterfeit drugs. Clinical trials and their outcomes can be made available in a decentralized network, allowing healthcare specialists and researchers to conduct research and find solutions to better healthcare. Accenture is one of the biggest companies that have started offering innovative healthcare solutions for the medical care sector for secure and fraud-free transactions.

Medicare frauds can also be brought down through blockchain billing management as the billing system can be fully automated without any scope of intermediaries committing fraudulent activities. With over 56 million people under Medicare as of 2017, over $1.3 billion has been ripped off the government through fraudulent activities by rehabilitation facilities and home health care services. Blockchain systems can effectively safeguard citizens who seek medical assistance from healthcare providers that overcharge for services offered through fraudulent billing practices. The centralized data not only help medical professionals in offering treatment based on the history of the patient and his/her family but it also eliminates the chances of a patient incorrectly recollecting past symptoms or disorders.

Public Records

One of the most important civic administration functions of a government is to record all information about its citizens. This includes information about individuals and businesses with regards to their assets and activities. Most of the recorded information is recorded in paper databases, making data management extremely difficult even in developed countries.

Blockchain-based systems like Ubitiquity can encode all public records in a digital ledger to keep the data on citizens from being altered for fraudulent activities. Identity theft is a problem that can be very difficult to deal with for the administration and digitizing all public information to make it tamper-proof can help prevent such instances of criminal activity.

Voting

One of the biggest limitations of the voting system in almost every country is that even today, voters need to be physically present at polling booths to cast their votes and can make things difficult for people who need to travel on poll days. More importantly, there are no means of verifying the poll results for the average citizen.

Blockchain development companies like Followmyvote are coming up with solutions that seek to make online voting a reality. It will allow citizens to view accurate information on poll standings and results and various other statistics publicly. It also leads to safer voting for citizens of countries in internal or external conflict and criminal activities to coerce citizens into voting for specific candidates can be completely avoided.

Business Hiring

Businesses of all sizes have a hard time finding the right staff. Through blockchain technology, it is possible for businesses to verify credentials of all applicants through a digital database. Blockchain technology can be applied to create a decentralized database of professionals with verified qualifications in a secure ledger that businesses can refer to for hiring candidates. Learning Machine is a New-York based company that seeks to address this problem that focuses on recording verifiable information on workers.

Tax or employment-related frauds make up 34% of all identity theft as of 2016, and a blockchain system makes the hiring process for any business much more secure as a company would have access to valid candidates only, reducing the risk of hiring fraudulent employees. It also helps applicants by speeding up the hiring process and helping them to find jobs they are eligible for and have a hassle-free application process.

Use of blockchain technologies helps individuals and businesses alike, and it also protects personal information while making important data publicly visible. While blockchain has the best application in cryptocurrency, its use can spread to other sectors as well to provide meaningful solutions to citizens around the world.

What Business to Buy

There's a twofold answer to the question 'What Business to Buy' simply because in its' core it involves two aspects: You and The Business.

At first it is all about Your Skills, Knowledge, Experience and Interests. When looking for Opportunities in Business You are a fundamental part of the Process. Make list to narrow down personal interests, traits and characteristics and look for a Business that suits these exercises. Most of the time when entrepreneurs buy businesses that do not match their Temperament, they end up unsuccessful, unhappy and selling the Business.

Ask yourself the following questions to get Your Ideas for Businesses:

• What are my 5 Strongest Personality Traits? You can also opt to ask your friends and family to send you lists with their observations (can be very revealing).
• What are my 5 Strongest Skills when it comes to doing my current or previous jobs?
• What Role do I want to Play in the Business?
• What Destination and Location do I want my Business to have or can it be a Business without a fixed Location (such as internet based).
• Do I prefer a large-scale business with many contacts and customers or do I prefer to focus on a niche market, dealing with a smaller number of contacts and clients?
• Do I want a Product Supply Type of Business or a Service oriented business?
• What is my Business Investment Budget?

When going over all the answers to these questions, you will have a Clear Picture What Type of Business you want to Buy.

Find a Business to Buy

After having identified What Type of Business you want to Buy it is time to Find a Business to Buy. You will want to opt for a Business that offers Value for Money. Its Valuations have to be backed up by Reliable and Detailed Financial Data.

Some Investors are Buying Businesses because they are Cheap compared to their core Value. They believe that as long as the market undervalues ​​the business relative to the core value, they are making a Solid Investment. This way of Investing fully depends on the reasoning that the market will eventually realize it has undervalued the Business and will correct its Course.

Below some questions you can ask yourself when determining What Business to Buy:

• Does the Business Match my Personal Characteristics and Expectations?
• Is there a Solid Business Plan available?
• What are the Top-5 Competitors of the Business?
• Do I have access to all Detailed Financial Data?
• What is the Trend in Profits over the last 5 years?
• Does the business show healthy and consistent cost margins?
• What is the expected Return on Investment?

How much you will always profit from your Business depends on the level of Original Investment and Your Management and Marketing Skills.

Nokia E90 Communicator - Companion For Globetrotting

Nokia E90 is a GSM 2100 MHZ Communicator phone which looks great and well built. The mobile has good voice quality, Bluetooth file exchange with excellent speed and fast WI-FI capabilities. The wide connectivity options are quad-band EGSM, 3G connectivity both WCDMA and HSDPA, WI-FI, Bluetooth with stereo and audio support, Infrared and USB. It has a 3.2 mega pixel camera with auto focus and flash, a FM radio, audio jack for headsets and DVD quality video recording plus an integrated GPS chipset. There is an external QVGA screen with a number keypad and a large 800 x 352 pixels internal screen with full QWERTY keyboard. The keyboard quality is good giving good tactile feedback and enables the user to type fast. The VoIP functionality in this WI-FI enabled smartphone is top notch. With all its great software and a perfect hardware design, it brings significant value to the business user in everyday work this justifies the high price. E90 introduces a new platform to its Communicator line called Series 60v3.

The Communicator

The wide range of communication options of Nokia E90 makes it a true Communicator. Email has the support of SMTP and POP protocols and push mail options, instant messaging and a text-to-speech reader.
It includes a 3.2 mega pixel camera with auto focus and flash and a secondary camera for video calling. Its software capabilities are very impressive especially the document editor QuickOffice that handles MS Office documents, zip files and PGF files very well. The Personal Information Management tools with provision for adding more applications. Data and media clips up to 2 MB can be stored on MicroSD cards.

The Companion

It can be described as a tiny hand held computer rather than a mobile phone with a talk time of 5 hours and a 14 days standby though it can be shortened by the use of 3G, Bluetooth etc. The in-built GPS function performances things beyond basic location based services, as the addition of "Nokia Maps" application with the free Satellite navigation package as a value added feature. This most feature packed device has very few compromises and works as a phone as well as a multimedia computer and an efficient companion.

Review - Enjoy Your Money!

Enjoy Your Money! How to Make It, Save It, Invest It and Give It, J. Steve Miller, 2009, ISBN 098187567x

There are a seemingly infinite number of personal finance books available in bookstores. This one is intended for people in their teens and twenties which financial plans start and end with "become a millionaire."

Akashi, Antonio, James and Amy are your average high school students in detention, again. They meet with Mrs. Kramer, an eccentric, elderly teacher at the school, who teaches a course on money management. Every Saturday, they meet at a local fast food joint, where Mrs.. Kramer takes the four into the world of money.

Have an emergency fund, equivalent to three or four months salary, in a savings account or money market account, accessible if needed. Pay off your debt as soon as possible, whether it is credit card debt, student loans or car payments. When you get some money in your pocket, it is tempting to buy a big-screen TV or fancy new clothes. Do not do it; live benefit your means; cut your expenses as much as possible. Is it more important that others think you are a rich person, or that you actually are a rich person?

It's also tempting to buy and sell stocks on a short-term basis, looking for a quick profit. Again, do not do it. Every time you buy or sell stock, your stockbroker makes money, not you. Research good quality, no fee mutual funds (especially index funds) that you can invest in for the long haul. Just because a fund had a good year last year, it does not mean they will have a good year this year.

A popular way to make money is by buying houses and "flipping" them. If that is not for you, and if you know the right people, think about "flipping" cars or motorcycles. People will always need decent, reliable transportation. The book also looks at buying a car (consult Consumer Reports and choose quality over flashy), insurance, knowing your way around a supermarket, investing in real estate, getting a job and keeping it.

This book is a goldmine of information. Written as a dialogue, this is very easy to follow for the person who does not want to read another "money literacy" book. This is highly recommended for every teenager and twentysomething who thinks that a million dollars will suddenly show up in their mailbox.