Making Your Money Work

If you’ve managed to save a little bit of money, you’ve got every right to feel a bit smug. So many people are struggling with debts or living hand to mouth that it can be impossible to save. The cost of living is higher than ever, with prices rising all of the time and the average family spending up to $600 a month on food. For some, this can be half of their take-home pay. So, if you’ve got a little money put aside, well done.

However, you can do more than just have savings. You can make your money make money. Make your savings work for you, so that small amount you’ve managed to save for a rainy day starts growing into something more meaningful. An amount that you could do something big with, or to just give you the peace of mind that you have it if you need it. Here are some great ways to make your money work for you.

Invest It

Investing can be one of the best ways to make your money work, and the more you invest, the more you can make. While it’s true that there is always a risk with buying stocks and shares, if you do plenty of research, learn about the market and use tools such as the TD Ameritrade robo advisor, there’s no reason why you can’t do well.

Move It

For a few years, there was very little point in moving your money. Even so-called high-interest accounts offered pitifully low rates. However, now the interest rates have improved significantly, the easiest way to make your money work for you is by moving your savings into a high-interest account.

Use an online comparison site to find the best rates for your situation, remembering that for some accounts, you could get a bonus payout if you don’t withdraw any money for a set period.

Buy Property

If you’ve got a large amount of money saved up, a property can be an excellent investment. Either buying a house, making improvements and selling it on or buying it to rent it out can make you a lot of money. You will, however, need to look into things like landlord’s insurance and tax and take in to account the cost of any improvements and maintenance.

Pay Off Debts

It can be tempting to leave your debts and focus on saving money. Having savings makes us feel good, safe and comfortable. But, if you’ve got debts, you are paying out money, unnecessarily every month. Use some of your savings to pay off your debts to maximize your disposable income.

Start a Business

If you’ve got some start-up cash and an idea, starting your own business can be an excellent thing to do with your money. However, it could be a while before you start to see profits and it will take a lot of time and hard work to grow. So, don’t use all of your money if you need it for other things and budget carefully to see what you can afford.

What Are The Essential Gaming Devices This Year?

Video games are not a thing that only highly talented geeks can play. Nowadays, a variety of devices and games share market positions. From those who invest their savings in building the best possible gaming system to those who like to play occasionally and without significant time and money investments, there is something for every type of gamers. Similarly, the games have also evolved to offer a mixture of tactical challenges and involved storylines to satisfy all personalities. In short, technology has changed significantly since the first Atari console. So it’s fair to ask what are the essential gaming devices and more importantly which device is best-suited for which type of gamer. Indeed, the gaming market needs to target traditional gamers who have created their high-tech gaming solution, individuals who like to play on the go but without shopping for parts or tools, and finally innovation-seekers who want to explore new sensations.

Games Iphone Female Phones Male Pokemon

Newcomers can start with an everyday tool

For everyone who considers games an enjoyable distraction, the need for investing in gaming technology is low. That’s precisely why a lot of video games are now designed for use on a standard item in modern households: Your phone. Mobile gaming is an accessible interface for new gamers as it doesn’t need you to handle a keyboard or a remote gamepad. With mobile phones, all you need to use is a tool you use every day already, naùely your fingers. Consequently, the experience can feel more relaxing for people who enjoy a playful distraction but don’t want the stress of learning all the possible key combinations for their character. What do you need to keep your smartphone up-to-date? It’s simple: Download the game app and play.

Getting your laptop up to speed

For experienced gamers who prefer to play on their laptop or PC, you need to keep your tech up to speed. As a result, there are devices that have been specifically designed for the gaming industry, such as laptops running VulkanRT as a graphics API. If you don’t know about the  Vulkan runtime library, you can learn more about this video games driver module here. What this means is that gamers need to keep their device updated, from installing the latest graphics card drivers to ensure that they can continue to have access to newer games designed to be played within specific tech requirements, to buying quality keyboard and mouse – as these are submitted to constant use.

Newcomers can start with an everyday tool

For everyone who considers games an enjoyable distraction, the need for investing in gaming technology is low. That’s precisely why a lot of video games are now designed for use on a standard item in modern households: Your phone. Mobile gaming is an accessible interface for new gamers as it doesn’t need you to handle a keyboard or a remote gamepad. With mobile phones, all you need to use is a tool you use every day already, naùely your fingers. Consequently, the experience can feel more relaxing for people who enjoy a playful distraction but don’t want the stress of learning all the possible key combinations for their character. What do you need to keep your smartphone up-to-date? It’s simple: Download the game app and play.

Getting your laptop up to speed

For experienced gamers who prefer to play on their laptop or PC, you need to keep your tech up to speed. As a result, there are devices that have been specifically designed for the gaming industry, such as laptops running VulkanRT as a graphics API. If you don’t know about the  Vulkan runtime library, you can learn more about this video games driver module here. What this means is that gamers need to keep their device updated, from installing the latest graphics card drivers to ensure that they can continue to have access to newer games designed to be played within specific tech requirements, to buying quality keyboard and mouse – as these are submitted to constant use.

Diving inside the game

VR headsets offer a new dimension in gaming by putting the player directly in the middle of the action. While headsets have been on the market for a few years, they are now affordable, both as mobile or tethered options depending on gaming preferences. However, gamers are still cautious whether a headset is the future of gaming. Indeed, new gaming systems include a footpad VR joystick that can control actions such as flying or walking. In short, wait and see before committing to any purchase.

From touchscreen to high-tech gaming installation, it’s hard to know where the game industry will take us. One thing has never been more real though. The innovative gaming approaches open the door to an array of life enhancements outside of a game platform. Using VR sets could let wheelchair users visit new places safely, for instance.

Looking Ahead In Business: The Importance of Future-Proofing Your Company

Life is fast paced and ever changing, and to succeed in business you need to be able to move with the times. A business that does fantastic now could easily be made obsolete within a few years, and so looking ahead and being ready to adapt when needed can help to give your company a successful future. Here are a few of the ways you can future proof your business venture.

Invest in an App

All of the big companies of the world have got on board with apps, and know the fantastic things they can do for business. More sales are now made on smartphones and tablets than on laptops and computers, which is something you really can’t afford to ignore as a company owner. Many smaller and medium sized business still haven’t got on board so it’s something you could consider. Sure, your site may be optimised for mobiles- but an app gives far more benefits. An app is stored on the customer’s phone meaning your details are only ever a click of a button away. You can communicate offers or messages via notifications. An app also makes your company look more trustworthy and reliable too, as you have to be verified to get onto the app store. Particularly when you’re a newer or smaller business, convincing customers that you are who you say you are can be tricky. People tend to prefer to stick to the big brands they know and trust, so anything that can persuade them to give you a try is a good thing. In the near future, an app will be as important to a business as a website is now. However right now, you have the chance to get ahead and do what many of your competitors are missing out on. By the time they get on board, you’ll be way ahead.

Stay up to Date on Technological Advances

Technology is ever advancing, and as a business owner it’s important to be on top of these changes. Are there gadgets, programs or technologies that can make your life easier and improve your business? Are there advancements that could render your business obsolete? It’s important to know how to adapt and change if you come up against this. Take internet cafes a couple of decades ago- once widely used and loved. However the advancement of the internet and it becoming widely available in homes could have rendered them obsolete. However smart owners knew that they could continue with their business by targeting a different demographic. These days internet cafes are used by those in poorer people for things like job searches or for internet sessions for older adults where they can meet and use the web. Others have turned them into study zones for students, who may fancy a change of scenery from their laptop at home or in their dorm room. One of the big technological advances these days that could make or break many businesses is 3D printer technology. Using this as an example, is it something that would affect your business- either positively or negatively? If it’s something that could potentially render your products or services useless, how could you adapt and change your business model so that you’re still useful and relevant?

Keep an Eye on Your Competitors

As with technology, you need to be keeping an eye on what your competitors are doing again in case your business ends up obsolete. While of course you need to be focusing on yourself and growing and improving your business, your competitors will be after the same customers as you and so it’s important to know what they’re doing too. Make sure you stay ahead of the game, read customer reviews and take on board criticism and negative reviews in a constructive way. Use this to make changes that will make your company better and please your customers. Conduct market research to make sure your products, pricing and everything else are right. Don’t just cross your fingers and hope for the best, to secure the customers you need you need to be more appealing than your competitors.

Consider Further Education and Training

Even if your business is going well, it doesn’t mean you should get complacent. Further training or education for either you or your staff is important, it helps to future proof your business by ensuring your skills are up to scratch. Do some research, are there courses you could go on, training days or business seminars you could book? Knowledge is power, continue learning and moving forward and then putting plans into action based on what you have learned.

4 Fun Ways To Introduce Technology To Your Child

There’s is no getting away from the fact that we now live in a digital world. Unless you live in the depths of a peruvian rainforest, technology has become the norm in our homes, workplaces and leisure pursuits. This is very apparent in the way children now learn in a world that is heavily dependent on technology. It is very different from our own childhoods where technology didn’t extend further than watching a video in the school library!

As parents our role is to provide a good balance of learning through technology and learning through the traditional methods. You can’t really avoid technology, as it’s likely that your child will have homework to complete by using a tablet or laptop. Computer science and IT will also be taught in schools.

Are there any fun ways of introducing technology to young children other than playing video games? This article aims to explore your options.

Coding

Coding allows children to create simple games and programmes. There are many free sources available on the internet to use primarily. There are different coding languages available for children. Scratch is a good platform to use, as it allows building block style interfaces to create games, animations and images.

Looking towards the future, once your child has mastered different coding languages they can progress onto the coding used by software developers. Learning to code can lead children onto a potentially lucrative, sought after and rewarding career pathway.

Robots

Robots are fun and exciting, they also have the benefit of combining technology with science. Children can learn to build robots from kits, which teaches engineering skills or can use robots to learn coding as they input commands. Robots have advanced so much in recent years that some have artificial intelligence, realistic movements and speech recognition. Children can learn how important robots are in areas such as medicine and industry.

Animation

Animation allows people to create movies by taking single frame shots and playing the frames back rapidly.The introduction of animation to children teaches so many skills, relating to art and design, technology, computers and storytelling. It also introduces children to many kinds of media relating to film making, TV and media channels such as youtube. Animation is very popular with adults too and is  an interest you could share as a family. A quick search will provide you with information on the Best Animation Software available to download. There are also plenty of kits available specifically designed with children in mind.

Virtual reality

Virtual reality is very appealing to children as it allows them access to whole new worlds. Virtual reality is important in areas such as medical engineering and industry in a similar way to robots. Virtual reality should be introduced to very young children with close supervision as there are safety aspects. Headsets can be purchased as well as virtual reality books that contain headsets you construct yourself. Apps downloaded on smart phones can allow your child to experience prehistoric worlds, life in the colosseum and what it’s like to live in a space centre.

Why You Should Bring Video Gaming To Your Phone

A lot of people like to sit down with a gamepad and tell the XBOX to turn on, and others like to hit the switch on their computer and head straight to using the AMD graphics card they had specially installed. There’s a lot that goes into gaming, and video games are quite an art form in the modern area. However, they’re getting more and more untraditional due to their unusual medium.

Video gaming serves a variety of purposes in the modern world. A relatively new innovation, roughly beginning in the 80s, it can act as a distraction, a hobby, or a way to bring the family together, amongst other things. With the year almost out, let’s take a look at why bringing video gaming, a traditional stationary activity, to your phone is a great idea, and what the future of gaming can bring to the mobile table.

Because it’s Accessible

There’s a lot of porting going around when it comes to games nowadays, and anytime a triple A studio releases we await multiple console use with bated breath. However, if it doesn’t release well on PC and the like, we tend to forget all about it. That’s where iOS and Android ports come in!

So your favorite game decided to hit a niche market and release an app that either complements the game they already have or is a straight up mobile version. For example, if you like legacy games, you can even download them to your favorite devices and carry them around with you at all times. Head to places like https://www.finalfantasyxvapp.com/, and then download it and play to your heart’s content! We can’t all afford those portable consoles in the shape of a Nintendo Switch, and you already have plenty of storage laid out in front of you.

In the most physical sense, mobile gaming is one of the easiest interfaces to get on with. If you can’t handle a gamepad, or a keyboard and mouse are a bit difficult to keep up with, having something handheld and available to use with just one set of fingers is incredible. You can also use voice commands because of the inbuilt microphone in all phone models, and accessibility is made more and more common because of these ready features.

Because Mobiles are Gaming Ahead

Sites like https://channels.theinnovationenterprise.com have a lot to say about this! The mobile stage can offer a lot. A whole story can be fit into a mobile app, and that only amounts to about $20 when you go to buy it for your device. That’s about half the price you get in the game stores on the ground!

Similarly, the versatility of a mobile game means 3D features can be included in its UI. Your own movement can dictate what an onscreen icon does, and it adds a whole new level of functionality to a gaming experience. On the other hand, minimalist concepts where you only have to use a finger are really brought into their own, as people don’t expect to be able to do much else and thus are not disappointed by a lack of functions.

Creators can show off level design skills and include a great score, and it’s these elements that players pay attention to more than frustration of not being able to bypass a level or remembering everything they have to do.

It Brings People Together

In a survey of over 20 thousand mobile users, across the five player segments, the most cited reason as to why someone played a game was because friends recommended it. This element of interconnectivity cannot be ignored as a result; alongside following the general trends of the web, using personal recommendations is going to find you the most app customers.

If someone likes a game, they’re going to tell people about it, so word of mouth advertising matters more here than anywhere else. So, get your game on someone’s phone to move your idea up and up.

Gamers the world over can share and share alike in the same game in different formats thanks to mobile gaming. The entire globe has mobile phones, and using them to play on is a universal behavior that keeps us occupied and discovering new things. No longer can you focus on just one demographic when you design a game, as everyone you could think of is involved, so pay attention to that if you’re thinking of trying your hand at gaming app development!

Marketing Automation With SendPulse

SendPulse is a popular email service offering a wide range of features. It suits small and medium businesses the best. With the help of this service, you can send email, web push notifications and SMS, or you can use them all together.

Why did I start using SendPulse?

I looked for a service with the lowest prices and the most features available. I noticed SendPulse because they had free pricing plan which could be used by small businesses. Web push notifications are free forever and that is one of the reason that made me choose this service. Having read more about it, I realized that I can use the email sending service for free. They offer 15,000 emails monthly if your mailing list is not more than 2,500 subscribers. So, I started using SendPulse. I applied personalization, segmentation, used ready-made templates and created my own templates with the drag-and-drop editor. After sending every campaign, I monitored its statistics and it helped to optimize my work. A short time afterwards, my target audience grew and I realized that I needed to find ways and methods to automate my business, and I did it.

Why did I upgrade my tariff to a paid one?

When your business grows, you look for ways to automate your work as it is difficult to send personalized, segmented emails with the special offers for every subscriber. Besides, you can’t use email marketing as a tool for your business without triggered and transactional emails. To establish friendly relationships, you should send a welcome-email after the registration. If you’re engaged in e-commerce, you want to segment your subscribers according to their gender, place of residence or preferences. This data can be requested in the welcome email. After a user makes a purchase, a thanks-email is usually sent. You can send special offers and discounts for loyal customers at this time.

For this purpose, SendPulse has recently developed a new functionality – Automation 360.

Automation 360

As written on the site, Automation 360 is a flexible event-based automation flow. To cut a long story short, this functionality allows to perform advanced email marketing strategies in order to maintain relationships with the clients.

This is the interface of new functionality. As you can see, there are 7 elements to work with. With Automation 360, you can create series of messages taking into account different conditions, filters, actions, goals and personal information about your customers. Besides, you can make your communication multichannel by adding web push notifications and SMS to the series.

How do you create an automation?

There are 7 elements to use:

  • Email
  • Web push
  • SMS
  • Filter
  • Condition
  • Action
  • Goal

Let’s take a quick look at each of these elements.

Email

It stands on the 1st place since you will mostly send emails. After dragging it to the working field, specify when it should be sent, create subject-line and template, and attach files if necessary. Then, click “Apply”.

Web push notification

You can send a web push only if a user allowed to receive them from your website. Web push is a good chance to raise conversions or to inform customers about sales, new arrivals, etc. If a user didn’t open your previous email, send them a web push notification. They are supported almost by all browsers and are convenient to get to know about important things.

SMS

SMS is another good way of informing people. You can use them to tell your customers about their shipping status, for example. Be sure that you have the phone numbers of all the subscribers.

Filter

Filter allows to send personalized and segmented emails according to conditions set. To use it, create and add variable, set condition and its value.
For example, filter your emails by gender. Thus, women and men will get only relevant content. Or, you have special offer for subscribers from different countries, you can also specify it.

Condition

Condition shows what happens next after the predefined action, the following actions depend on the condition. You react to these actions by sending emails, for example. It is shown below.

Action

Action is what happens after following the condition or not. For example, if a subscriber didn’t open your email or didn’t follow the link, you can copy them to another mailing list to send a web push notification or a reactivation campaign.

Goal

Goal is the place where your series can stop. Set the goal to track the effectiveness of your work. You can either stop the series after reaching it or continue it. For example, if your goal is a purchase, you can send a thanks-email after it.

Automation 360 allows to track the conversions of the whole flow and of particular emails.

It is great functionality that will surely bring benefits to your business. SendPulse constantly develops new features to make email marketing easier and much more pleasant.