Latest Tech

How Tech is Changing the Face of Annuities

Annuities are a venerable way of keeping your retirement savings going for the long-haul, but is technology changing the way they work? The answer is yes. New technologies are helping both investors and annuity providers deal with the challenges of these financial products.


In case you’re unfamiliar with annuities, they are a type of investment that gets you regular fixed returns over a long period of time. Often, annuities are used by retired people to get a reliable source of income that isn’t tied to the fluctuations of the market. It locks up a portion of their entire retirement savings so that no matter what happens they have some form of guaranteed income to supplement Social Security and pension payments.

Speed Improvements


For the annuity providers, mostly insurance companies, the primary advantage is speed. The ability to use electronic signatures and to run investment simulations allows them to deliver quality products at a fast rate. After the financial crisis of the 2000s, annuities have become very popular because of their stability, which has forced insurance companies to actively sell these products. It’s too rich of an opportunity to let slip by.


However, electronically delivering information to investors is still a challenge. The ability to deliver prospectuses about an annuity through the internet would save companies quite a lot of money, but they need electronic consent to send them. Older generations aren’t always as savvy with email, and client confidentiality concerns are also a problem.

Annuity Calculators


On the client side, technology is also helping people make smart decisions about products. For instance, calculating the payout of an annuity can be a problem, especially for a variable one. An annuity calculator is extremely helpful in showing just what the rate of return on an annuity is. They’re especially useful for deferred annuities where the first payment may not come in for quite some time.


Speaking of deferred annuities, this is another place where insurance companies will have to get on the ball to provide a better technological experience. Unlike fixed annuities, deferred annuities are targeted toward people who are still saving for retirement. After the annuity is bought, the money is invested for a certain number of years before the first payment. As the Boomer generation continues to age out of the workforce and the next big generational wave, the Millennials, comes in, insurance companies must adapt their methods to draw people into the market.


Technological Balance


Balancing the technological comforts demanded by the Millennials with the old-fashioned technologies preferred by Boomers is tricky, but it’s something insurance companies will have to deal with sooner rather than later. Older generations may prefer to sign on the dotted line, but today’s young workers just want to click an e-signature button.


They also want access to as much information as possible about products before making a decision. Their thirst for on-demand information will drive many changes to the insurance industry that will be of great benefit to the consumer.


If you think the insurance world is dry, boring, and old-fashioned, just wait a few years. Technology and consumer demands are ready to change the face of this industry into something bright and fresh.

Internet Technology

Tech Tips: How To Monetize Blogs Effectively

One of the incredible benefits of the internet is its ability to open up hundreds of thousands of jobs. One of the most popular professions that’s primarily based on the internet is the blogging industry. Ever since the explosion of Web 2.0, it’s been pretty easy to start a blog. Building a blog is admittedly challenging for many bloggers to do. However, once the blog has reached a certain amount of followers, it’s important to monetize the blog. Monetizing the blog allows a blogger to earn an income for their work. If you’re currently a blogger and are struggling to figure out how to create different streams of income, consider these options below.

1. Affiliate Links

Affiliate links are great because they allow you to earn income easily. Once you’ve created a blog post, there are usually services or products that you’d need to promote in the blog post. Depending on the service or product, you can find out if they have an affiliate program. If they do, you’ll get a specific link to the product or service they sell. If a blog visitor clicks the link and ends up purchasing the product, you’ll get a percentage of the profits. It may sound like a difficult way to earn income. However, once you’ve convinced readers that they need to purchase a specific product in a compelling way, the affiliate income will quickly add up.

2. Sponsored Posts

Sponsored posts are increasingly popular with bloggers and companies. The company pays the blogger a one-time fee and the blogger promotes a specific product in their blog post. It is important for bloggers to be transparent about the fact that the post is sponsored and they are receiving compensation in exchange for a review. Additionally, it is wise to switch it up and make sure that only some posts are sponsored. Once readers see that all posts are sponsored, it can be a turn-off. If you’re looking to grow your brand and receive an income, make sure that readers see enough of you or other content so they’re not turned off at the sight of a sponsored post.

3. e-Commerce Stores

Do you own an Etsy shop and make your own products? Do you provide a specific service to the marketplace? If so, it is a great idea to consider opening up your own e-Commerce store. Instead of directing your blog readers to another site to purchase your merchandise, they can simply click a link to another page on your site. In order to accommodate this change properly, it is vital to purchase shopping cart ecommerce software. Users need to people to adequately choose the product they want and pay the money without any glitches. Shopping cart software is a beneficial investment that will pay for itself in the long run.

These are three viable income stream ideas for the everyday blogger. These ideas might sound complicated to begin, but try to ease into it. As you master one income stream, you can incorporate another.

Mobile Technology

When Your Galaxy S7 is A Smudgy Mess Reach for a Skin

As the one of the top phones of 2016, the Galaxy S7 has a remarkably short list of drawbacks. For those of you who already have one in your hand, it probably hasn’t taken you very long to realize one of them: the smudge factor. Next to price, it’s the most heinous of the S7’s offences. As a phone encased entirely in Gorilla Glass, it has a difficulty with fingerprints – in that it collects them until the S7 looks downright grimy. But it isn’t a permanent problem. With the careful addition of a vinyl skin or wrap, the Galaxy’s issues with smudge are a thing of the past.


Say goodbye to smudges… and a few other things

This isn’t the vinyl your grandmother covers her picnic table with when guest are over, but the basic idea is the same. The vinyl used in Galaxy S7 skins has been specially formulated to create a durable barrier between your phone and the outside world. Just like the vinyl tablecloth keeps spills, crumbs, and other accidents from ruining your gran’s table, the vinyl S7 skin saves your smartphone from scratches, scrapes, and grime that could cosmetically damage your cell – or worse. The distinctive texture of the vinyl adds a lot of grip to a slippery phone, reducing the chances of dropping it to the ground where it could crack or shatter.

Say hello to style… without bulk

The addition of a S7 wrap comes with its perks. Available in a variety of colors and textures, there’s a design that’s perfect for your personal tastes. There’s something for everyone out there; you only need find a skin provider who can offer your kind of style. Whether you rock a bright red carbon fiber decal or a sophisticated zebra wood wrap never compromise on fit. The whole point of choosing a skin over a plastic case is that it’s slim, weightless protection that doesn’t stop you from slipping your S7 into your pocket. Skilled engineers, like the designers at dbrand, can create a form fitting addition that matches every bend, bezel, and button without adding on the pounds. Check out their look and stop by They have a huge selection of designs, and their skins fit to the micro-millimeter.

Imagine pulling out not just the top phone of 2016 but a smudge-free, protected fashion statement. You can make it a reality by opening up a new tab and starting your search for well-made vinyl skins. In no time at all, you can create a customized design and have it delivered to your home.

Internet Technology

Pick Yourself A Winning Domain Name

You’ve put in all of the necessary blood, sweat, and tears to become successful at your life’s goal. You’ve spent all of the time, effort, and money that it takes to put yourself forward in life as an entrepreneur. Now it’s time to reap the reward for all of that long toil and trouble. It’s time to open up your brand new small business on the Internet, complete with your own official company website. There’s just one small hitch that might still be holding you back. Have you thought of a domain name that’s a real winner?

What Really Is There In A Domain Name? Is It Really That Important?

When it comes to choosing a domain name for your website, you’ll naturally want to name it as closely as possible to your newly incorporated business name. You don’t want to get all jokey about it. You certainly don’t want to make the spelling torturous and hard to remember. Many business owners make the latter mistake on a constant basis, sometimes because they want to make the name as “unique” as possible, and sometimes because the name is already taken and they want to use something close to it. In either case, it’s a major mistake.

It May Be A Mistake To Overthink Your New Domain Name

Your best bet is to choose a name that is simple and descriptive, without being too elaborate or humorous. You don’t want to use any pop culture references that may be outdated and seriously out of fashion in a few short years (or months). Another consideration that may have steered many business owners in the wrong is the recent trend toward incorporating SEO keywords into the name of their domain name. While this was a trend that did seem to return positive dividends for a short while, it now seems that the recent change in Google’s algorithm has rendered it null and void.

If The Name Is Good, It’s Time To Make It Officially Yours

In short, when it comes time to do a domain search to make sure that the name you want isn’t already taken, it’s a good idea to take a deep breath and not overthink things. Once you find a good phrase that isn’t owned, or part of someone else’s “intellectual property”, it’s an excellent idea to register it and claim it as your own. From there, you can do anything you want with it. You can use immediately for your present company website, or you can hold it in reserve for a future venture.

Always Name Your Domain With Branding Purposes In Mind

Remember always that your domain name is a direct extension of your brand. Every word you utter on your website, blog, and social media pages is part of your brand of your well. But your domain name is especially important, because it’s your calling card. Take the time to get it right because you only get one chance at it.

Latest Tech

Movavi Video Editor: A Full Review

To be honest there are quite a number of video editors that are available nowadays, but one of the most popular is Movavi Video Editor. If you’re thinking about trying it out, it may help to know exactly why it is so popular as well as what it could potentially do for you.

Unique Intuitive Approach

The main reason behind Movavi Video Editor’s popularity is its entire philosophy and approach to video editing. Where other video editors tend to weigh in on the technical side of affairs, Movavi Video Editor focuses on making itself as easy-to-use and user-friendly as possible.

Because it is designed as such, Movavi Video Editor features a uniquely intuitive approach that is hard to match. For beginners or anyone with little experience editing videos the intuitive nature of the software will mean that you can use it without having to shoulder a steep learning curve. On the other hand more experienced users will also benefit – as they will be able to edit their videos that much more quickly and easily.

In a nutshell, it will benefit everyone – no matter how experienced or inexperienced they may be. With that in mind, it should be easy to see why it has such widespread popularity.

Comprehensive and Versatile

Even though its approach may be the part of it that stands out the most, Movavi Video Editor will not disappoint when it comes to its features. As a full-fledged movie editing software it is nothing less than versatile and you can use it to:

• Trim out unnecessary parts from your videos.
• Merge clips or video segments together in a particular sequence.
• Improve the video quality by manually adjusting the color settings or using the automatic ‘Magic Enhance’ feature.
• Correct common problems such as blurry, pixelated or shaky videos.
• Place customizable text within a video to create captions, watermarks, and more.
• Add audio tracks containing background music and voiceovers while regulating their sound levels.
• Pick and choose from numerous special effects, filters, and stylish animated transitions to improve the video’s appearance.

In short, you should have everything that you need – and could even decide to create a home movie of your own if you desire. Just be sure to experiment and see how different features react and combine with one another, as that is how you will be able to really make your videos look amazing with Movavi Video Editor.

Latest Tech

Online CFD Trading by XFR Financial

CFD means contracts for differences which are actually agreements between two parties to exchange the difference between opening and closing price of contract. CFDs are the derivatives and you do not own any underlying assets which mean that you do trade only on the fluctuations of the asset prices on which your contracts are based. CFD trading is beneficial for those XFR Financial traders who do not want to own the underlying assets and keep themselves away from the hassles of owning underlying assets.

What is online CFD trading?

Online CFD trading is the trading of CFDs through an online CFD trading platform. The online CFD broker like XFR Financial of iFOREX is the one who provides online CFD trading platform to the traders registering with themselves. Through online CFD trading a trader can take the advantage of fast trade execution, less costs and convenience. With a traditional broker like iFOREX, one had to call the CFD broker to execute any CFD order or take guidance. With online trading platform, things have become easier and now any online CFD trader can directly execute the CFD order from his/her computer or Smartphone with the help of online trading platform.

In order to start trading CFD online, you need to search for a good online CFD broker like XFR Financial and register an account with him. Most of the CFD brokers ask for some initial deposit to start trading with them. There are many online offers and discounts also available with some popular brokers. The online CFD broker provides an online trading platform for the traders who register with them. There are three types of platforms for online CFD trading which are downloadable, web based or mobile trading platforms. With downloadable you need to download the trading platform before starting to use it, for web based you don’t need to download any software and you can use it from anywhere and with any computer. All you need is a working internet connection and a device. Mobile trading platforms are optimized for trading in mobiles and they can be downloaded from the Application Stores.

Benefits of online CFD trading with XFR Financial

Online CFD trading XFR Financial provides a lot of benefits to the traders and here are the main ones-
CFD trading allows you to trade without owning assets and thus you can get the benefits of reduction in costs associated with ownership of assets.

You can trade in multiple markets like stocks, Forex, commodities and indices with FXCM or some other reliable broker. Those traders who have experience in trading on traditional stocks, commodities, Forex or indices market, can find CFD trading at FXCM a better option in which they do not need to own any of the assets.

You can get profits in both the direction of the market. Whether the prices of the underlying asset is going up or down, does not matter and you can still profit from both the conditions.

Latest Tech

How to Find the Right Digital Sales Job for You

Finding the right digital sales job can be challenging. There are just so many things that you need to consider: the salary, commission, hours, benefits, and roles amongst others. It has to be one of those Saas sales jobs that will make you happy and can keep you happy for a long time. Unfortunately, if you don’t do your homework, you could end up working in a dead-end job, earning barely enough to pay your rent, and being miserable day in and day out. This is why it is a great idea to know how to find the right job for you.

Know What the Right Digital Sales Job Is for You

In order to get the right job, you need to know what you are looking for. So, you need to do your homework and your research before you apply for any Saas sales jobs. One of the biggest mistakes that job candidates make when looking for vacancies is that they accept whatever is first offered.

Not all positions are created equal. The responsibilities and tasks may be the same, but the benefits, salary, and hours may be different. There are companies that know how to value their sales people. They provide the best things that they can offer. The rates are considerably good. On the other hand, there are companies that do not understand the value of their salespeople. They don’t see their employees as partners.

It is also important to know the details of the digital sales job. There are key attributes that you need to be aware of. For instance, you should ask what kind of sales method the company used. You may not be comfortable with the approach, and you’d end up doing something you hate. For instance, you may be required to do cold calling – and if you hate doing exactly that, you should reconsider applying for the job.

Establish Your Expectations and Limitations

There are things about your digital sales job that can make you happy, so it is an excellent idea to set your limitations and expectations before you even start looking for vacancies. Of course, you might not be able to find one of Saassales jobs that can meet all your expectations, but at least you need not waste time on opportunities that will only fail to make you happy in the long run.

Use Sales Recruitment Companies to Find You the Perfect Job

You don’t have to do the work yourself. The Internet gives you access to online recruitment companies that can help you prepare your resume and give you access to digital sales job opportunities that you may not be aware of.

These companies can match you with the best employers. They will assess your competence and take your expectations into consideration when they match you with vacancies that will suit you. They have access to many vacancies in their database, and it is to their advantage that they are able to fill these vacancies and help you find Saas sales jobs.

Latest Tech

Is It Still Beneficial To Register A Keyword Domain

When it comes time to reserve domain name services from your chosen provider, is it still as highly beneficial to register a keyword domain as it was several years ago? Many industry experts say no, while others will answer this question with a resounding yes. As always, the truth of the matter lies somewhere in the middle.




Why Did Exact Word Domains Become So Popular?

For a number of years, the recommended advice was to purchase Exact Match Domains (EMD’s). This advice was based on a number of (then current) factors.

The fact that the keyword was situated directly in the domain name itself was a powerful front ranking factor.
The fact that the keyword was present in the domain name was an excellent incentive for fellow webmasters to include this phrase in the anchor text that they would use to link to the site.

These factors played a crucial role in making EMD’s the overriding favorite choice of new webmasters who registered domain names over the course of several years. However, it should be noted that recent events may have partially or fully invalidated this advice.

Have Recent Google Updates Rendered The EMD Theory Obsolete?

A recent spate of Google updates may well have rendered the EMD theory obsolete. Recent studies by such highly respected SEO industry sources as High Position and others have shown that EMD rankings, which once averaged around the 13th position, have since slid down the page to their present position of 26th. Meanwhile, EMD’s that once ranked in the top 10, averaging around the 3rd position, have since slid down all the way to the 11th.

This downward trend was at first seen as a momentary blip on the radar that would soon adjust itself in the wake of further Google updates. However, there has been no noticeable upswing for EMD’s since the initial update. Therefore, many leading SEO industry authorities are sounding a serious note of caution to new webmasters when it comes to choosing this method of domain name branding.

Can EMD’s Still Be A Useful Concept For Websites?

It should be noted that there are some cases in which EMD’s can still be a very useful concept for new webmasters to consider when naming their official company website. For example, new studies have shown that websites that employ a domain name that is an exact match to the product on offer have continued to perform surprisingly well.

While choosing an EMD may not carry the built-in advantage that it once did, it may still prove worthwhile to employ it in some cases, such as in the scenario listed above. Newer concepts of domain name branding emphasize more intangible qualities, such as name recognition and the strategic use of URL extensions to increase your visibility and consumer appeal. Meanwhile, many SEO industry authorities are quick to point out that future Google updates may change the game even further.

Apps and Software


Cyber safety:

More than any other aspect of the area of information technology and communication networks, the problem of safety weighs quite heavy on those using these modern gadgets that are smart technology based. With every improvement and innovation in this field, the vulnerability that comes with it also increases and this does give the jitters to those who are primarily very careful about their information. Information safety has to become a human right so that high jacking of the personal information for evil ends is restricted at least if not completely eradicated. There are numerous cases which have been reported on this issue where the whole identity of some simple and innocent individuals was robbed for their own materialistic and selfish wants. The problem here is the vague laws and regulations that are in existence and these are very limited and the procedures are quite bleak to understand and follow as these thefts of identity can be done from anywhere in the world. It is simply difficult to find out how much of the information the trespasser possesses about the victim and what his or her next move would be.


Take care!

When the vulnerability grows over time in this area, it is essential and prudent that the data and details of the person is made secure and in order to avoid such culprits to open the phone to view the data. Here is where the use of the security applications is felt and is found to be very handy and relieving. Among the several data security providers that are available, the Leo master company has been found to be the best in this area of specialization. It is a well known fact that the cyber world is never safe even from its inception in the public domain and its usage in the civilian part of the society.

The salient features:

The world that we live in these days is marked by the phenomenon of applications. The applications rule the world and those who want to make it great in the information technology stream develop applications that serve all the different purposes right from security to the simplest application such as a bank transfer of funds. As far as the salient features of this application are concerned, they are very versatile and take care of several areas of the issues which might cause a problem when the security breach happens. For instance it can give a very quick alert when any break of the security takes place; the application is very simple and can be used in multiple platforms. The features are compatible a multiple types of devices. You can download and use it on smart phones, in tablets, i pad and others without any hitch or barrier.

High security!

If anything like high security happens in the smart tools or smart gadgets world, it is this as this can prevent several breakages of security that can actually take place in general. These application include the alerts which is the simplest as mentioned above, it can help you to lock up all the applications on the phone so that they cannot be opened and viewed by the peeking people around us, it has a strong privacy scan system to go through all the areas to check if any safety is being compromised, it can safe guard the multimedia files such as photos, audio and video files.

Safe network:

It offers wifi safety which can secure the whole network itself from getting broken and the Leomaster Company is becoming very sought after for all these applications and more.

Internet Technology

5 Questions You Should Ask A Prospective SEO Consultant

Search engine optimization, or SEO, is part of the digital marketing strategy that makes or breaks a website. It’s not as simple as slipping in keywords wherever possible, and usually a consultant should be brought on to save time. However, there are many types out there, and not all of them are trustworthy. Hiring a shady one will not only lose you money, it can jeopardize your business in the long run by incurring penalties from search engines like Google for breaking the rules, hurting your traffic and profits for months or years to come. To scout out if a consultant is good, here’s some questions to ask:

1) What’s your process?

The first thing that should be determined is it the consultant has a serious strategy. A bad consultant will wave the question away, citing confidentiality or that they can’t say until you’ve hired them. The truth is that if you knew the tools they use, you’d run! A good consultant won’t outright give you a detailed plan, but they should be able to give an overview of the steps they’ll take: an audit of your current SEO, evaluating the quality of your content, looking for strong keywords, and so on.

2) Can you guarantee results for me?

Shady consultants will say yes without a second thought. In fact, they’ll advertise it, claiming they can get you to the top three results in a short amount of time. But, like medicine, engineering, or any other applied science, a good consultant will only tell you they’ll try their best.

The reason for this cautiousness is not a lack of skill, but a lack of complete knowledge. Google keeps its ranking algorithm secret. Not only that, this is changed regularly, and while the way parts of it work can be sniffed out by trial and error, nobody ever has the full story. Anyone who claims otherwise is lying or deluded.

3) Can you get me quick results? Say, in a week?

Once again, the correct answer is “not likely”. The way proper SEO works is by organically building up your website’s relevance, taking weeks or months to start producing visible impact. Bad consultants can get your site to the top rankings for a brief period, but this is done via “black hat” tactics – spamming backlinks, embedding hidden keywords in the background, scraping, and the like.


4) How frequently will I receive reports? Please show me a sample.

If the consultant returns a Google Analytics page, either they’re lazy, or have something to hide. Either way, it’s a warning sign. Monthly reports are the standard. SEO works fairly independently, so you should be in contact no more than a few times a month.

A proper report should contain details such as rankings, keyword performance, traffic for the month, and conversions, as well as useful information like suggestions on where to go from there. A good SEO consultant not only finds problems, but makes improvements, such as by noticing that certain keywords do better and noting that a focus on those would yield better results.

5) How good are you with local search results?

Physical businesses like plumbing services, pipe installers, or goods traders gain much more from local searches. For online businesses that ship globally, this isn’t as much an issue, but it makes a massive difference in conversions when the potential customer has to be in the region for them to make a purchase.

Bad consultants will downplay this, saying “all publicity is good publicity”, or that raw traffic is what’s most important. Good ones will show you their track record.

On a side note, when looking for consultants, add your region to the search. For example, if you are based in Toronto, companies that show up under the searches for “SEO Toronto” or “SEM Toronto” would be better suited for you than just “SEO” – they are more in touch with the hot keywords for the region and ongoings that could pose opportunities.

In conclusion, a good SEO consultant will be transparent and support realistic expectations. They will keep you updated, and work with you, rather than work on you and run before you notice something’s not right. The potential for growth with SEO is tremendous, so when you hire, do it right, and you will reap the rewards – not instantly, but in a reasonable time frame.