The Decline of Cash

There are plenty of Sci-Fi movies that depict a world in which everything is controlled by a single piece of technology. All transactions and communications are made through high-tech devices that once seemed far out of reach. These days, it’s starting to look more familiar. We already have smartphones that do most things for us, and a move towards completely digital currency doesn’t seem that far away.

Only eight percent of the world’s currency is in cash form. This change is happening for a number of reasons but primarily because it is just more efficient. International bank transfers can be completed in under ten minutes, and personal transfers will appear in your bank account almost immediately.

Removing physical money completely could also help to reduce some crimes. Muggings and thefts, for example, would be a lot more difficult if you couldn’t access any of the money without a pin number or fingerprint.

New technologies are paving the way for the digital payment age and cash is fast declining. Some of these technologies may be familiar, and you probably use some of them already, but there are others that you may not be aware of.

Contactless Payments

Contactless payments have taken off in a big way over the last few years. Most bank cards that are issued come with the feature. Although it is more efficient that cash payment, it offers less security because you do not need a pin number.

This is being dealt with in the form of contactless payments on smartphones. Fingerprint scanners are becoming more commonplace and when combined with contactless technology, you get an entirely safe payment method that only you can use. The only problem being that if you lose your phone, you’ve also lost your wallet as well.


You may have heard of one of the most popular cryptocurrencies, Bitcoin. It made headlines when it was linked to the selling of illegal goods on the dark web. But Bitcoin isn’t the only cryptocurrency around, and they are not just used for criminal activity. Click here for more information on exactly how cryptocurrency works.  

Cryptocurrency itself is perfectly legal and is a good alternative for people that don’t want to use their bank details online. Lots of major companies including Amazon and Virgin Atlantic are now accepting cryptocurrency.

The Dangers of Digital Money

Unfortunately, as the world evolves, its criminals evolve with it. In recent years there has been stories of thefts from contactless cards. It is possible to set up card reading equipment and make transactions by walking close enough to somebody who has a contactless card in their pocket.

Cybercrime is also on the rise and governments are struggling to keep up with criminals. Ddos attacks have been used to bring down the systems of some of the biggest governments in the world. They work by flooding a network with huge amounts of traffic, crashing them completely. If all of our money was stored digitally, then an attack like this could disrupt the entire global financial system.

So, embrace the new technology, but be aware of it’s downfalls. And maybe keep a bit of cash under the mattress just in case.

Invest With The Best – Which Tech Niches Will Thrive This Year?

Technology companies tend to make significant profits if they remain at the cutting edge. That is why so many people choose to invest their savings in buying shares. However, tech comes and goes, and so you need the most recent information if you want to do that. The last thing anyone wants is to put their money in a niche that’s on its way out. With that in mind, we’ve taken the time to list some of the most thriving technology niches around today. Hopefully, the info will help you to make the right decisions if you plan to invest this year.


The telecoms industry is always a safe place for investors because everyone owns a smartphone these days. Apple releases new products every year, and most people want the latest devices. Even so, it’s wise to invest in a smaller company if you want to make the highest profits. Look for a firm that’s just arranged to lease a cell tower, and perform as much research as possible. The level of risk you face will increase when opting for a new brand. However, as the old saying goes, the only way is up. While investments in established operations are stable, you wouldn’t make a significant profit. So, look for the newest businesses on the market for the best outcomes.

Virtual reality

Virtual reality has become big business during the last couple of years. However, the market still hasn’t reached its potential. For that reason, now is the best time to invest in companies within that niche. There are lots of VR devices available today, and many of them are selling thousands of units. You could make a substantial profit if you find the right firms and get in touch. Don’t make the mistake of waiting until they appear on the stock market to make your investment. For the best results, you need to put your money in a firm that’s just about to explode. That way, you could see a return that sets you up for life.


Specialist gaming brands make millions of dollars in profit every single year. Indeed, just take a look at how much Sony and Microsoft make from their consoles. There are also lots of firms that sell accessories and other items associated with the market. Investors just need to perform research to ensure they’re making the right decision. Ideally, you’ll want to find a new company that’s about to release something that will become exceptionally popular. Gaming news blogs are probably the best places to source the information you require. So, bookmark many of them and check them every day.

Now you know about some of the most thriving tech niches around today, we hope you will make conservative investments. When all’s said and done, there is always an element of risk involved. However, you can increase your chances of seeing a healthy return if you do the groundwork. Just take a look at some of the companies in which other investors seem to be putting their money. In most instances, you just need to replicate their actions.

Digital Business: Angling For Success Without A Degree

Digital Ipad Internet Online Tablet Screen

The growth of digital business has changed the realm of entrepreneurship forever. Daily processes are now handled in vastly different ways compared to previous generations. Moreover, the opportunities for modern entrepreneurs are greater than ever too.   

 It doesn’t require much research to find a host of modern businesses that have made millions in spite of very modest budgets. Those inspirational sources also include many college dropouts and people that never used the uni route. So even if you aren’t particularly blessed in terms of formal education, it shouldn’t stop you from chasing those dreams.

 Firstly, you should appreciate that university degrees aren’t the only way to develop skills. The digital world has created a plethora of new job roles, and experience is often the best route to perfecting that craftsmanship.   

 Working in the industry first is a great way to gain confidence, even if it’s just doing a little freelance work on the side. Alternatively, developing skills as a hobby can prepare you for a far brighter future. The Pi Hut, for example, can provide you with the tools needed to learn to program. Once you’ve mastered those skills and built up a track record through experience, the lack of a degree won’t matter.

As a modern business owner in the digital age, the choice between sole trading and a limited company is equally crucial. After all, you might simply want to provide a personalised service rather than build a store that manufactures and sells goods. There are plenty of available avenues out there, so doing your research is key.

 Aside from knowing your place in the industry, you need to know your place in the market too. Whether it’s a B2B client or a direct consumer, appreciating your audience is vital. By expressing your personality in a way that resonates with the user, like these companies do, you’ll see far greater success. Let’s face it; people buy from people, even in the digital arena. Gaining that bond is key.

 Sales techniques aren’t only influenced by your knowledge of the client, though. Being able to present yourself in a winning fashion can give you a huge edge. As well as dressing well, developing communication skills should be a priority for any budding entrepreneur.

Building a successful business is possible, but the harsh reality is that new ventures fail more often than they thrive. Ensuring that your innovations are allowed to grow before money runs out is pivotal. Whether it’s running the business remotely or learning to seek the best deals on every expense doesn’t matter. Keeping a firm grip on the overheads will buy you more time. Quite frankly, that time is probably more valuable than any degree.

 There’s no denying that a degree can aid your career and business ideas. Nonetheless, the world has changed massively, and this is no longer the only pathway to the top. As long as you invest in the right ideas, methods, and markets, you will be just fine.

Do Your Research When On The Job Search

When you are on the hunt for a new job, it can turn out to be quite a stressful time. Whether you are looking for a new job because you have lost confidence in your current role, you are not very happy with the new direction the company has taken, or if you simply feel the need for a change of career; or whether you are are on the job hunt because you may have been laid off or the company you worked for has gone bust; when you are on the job hunt, it can be a very tumultuous time as you may be worrying about how you are going to afford the rent, bills and other outgoings, or you may be extremely bored as you spend your days searching for jobs, maybe on your own, while your friends and family are at their jobs during the day. When you are searching for a job, it can also become quite demeaning for you as the job market has become oversaturated and lots of people will be going for the same job that you are applying for. You may start to feel as if your skills and knowledge are not good enough for any job, when you receive notification that you have been unsuccessful in your application – but you should keep trying, stay determined, and sooner or later a job that you want will come along for you.

Everyone has – at some point in their lives – suffered from the loss of a job. You may feel as if you are alone in your quest for employment, but you should know that there is a countless number of people who are in the same or similar situation as you. It may be difficult for you to comprehend that there are others who have been in desperation of a job, just like you may be, but the more you take solace in the fact that you are not alone in your hunt for a job, the better you may feel about the situation.

When the opportunity for an interview does come along – and, yes, an interview will definitely happen sooner or later – it is important that you allow yourself to be noticed and remembered by the interviewers. To do this, you will, before the interview takes place, need to do research on the company. It could be quite embarrassing for you if you do not take the time to put in research, and when your interview is taking place there is a good chance that you may not know the correct answers or may even come unstuck when easy questions by the interviewers are asked. If research is not done this can mean you may not know enough about the company to prepare you fully for an interview. It will also be obvious to the interviewers that you have not taken the time to do research, and this can easily make them think that you do not care enough about the role and the company, and can make you come across as lazy and that you have a low work ethic. Basically, research is a fundamental aspect of preparing for an interview: without research you do not stand in good stead of securing a job.

During an interview, you should do your utmost to allow you to make an impression. If you arrive for the interview dressed in clothes that you wear every day, this is unlikely to make a positive impression. But, if you arrive for the interview dressed in smart clothes, with your physical appearance looking sharp, then that is more likely to make a lasting impression. When answering the interview questions, you should be clear and concise, and try your best not to stumble upon words or mutter the answers. When you have good communication skills in the interview, it shows that you hold good skills in the area and that you can formulate good answers and messages to the people you work with. To make a really positive impression, you could also take the time to create a slideshow using Google slides templates, with each slide containing information on different aspects of the business and how you could benefit the business in those areas, or the experience that you have in those areas. Taking the time to create a piece of information like this will show your interviewers that you are prepared to put a lot of work in, to gain a positive end result.


After the interview has taken place, it could also be a good idea for you to thank the interviewers and shake their hands after it. A simple relaying of appreciation like this will help the interviewers gain some knowledge that you are polite, courteous and confident with the interview you have given. If you do not take the time to thank your interviewers, you are less likely to make a lasting impression. You should do all you can to allow yourself as many positive impressions as you can muster. After all, you are eager for a new job so you should show how beneficial you could be to the company if they were to offer you a job.

If you are feeling nervous about your interview, then it could be worth speaking to family and friends about how they manage to cope with the stress of interview and you could ask them for any useful tips, advice and guidance which they may have. It is always worth speaking to people who are closest to you, to get their opinion on matters which are affecting you, as they can provide really positive answers to your queries.

You have done a lot of hard work in applying for jobs, so you should ensure that you keep up with the hard work when an interview is offered to you. If your interview goes well, and you are offered a role within a company, it could mean a positive change in your life and you will be happy that you took the time to put in all the hard work.

The Top 5 Technology Trends for 2017

Technology is constantly evolving and innovating. This can make keeping abreast of the most current trends challenging. In a world where we are becoming more reliant than ever on technology, it’s important to be tech savvy. This is the low-down on what’s new in the world of tech, what it does, and why it matters…

Paralysis Reversal

Technology is not all about gaming and data. Technology can be used to improve economics and even health. Paralysis is a devastating by-product of spinal cord injuries. It means that the victim will have limited movement in some parts of their body. Scientists are currently trying to use brain implants to restore movement to these people.

Neuroscientists in France are behind this life-changing innovation. Whilst it could still be years before it’s complete, there have been promising developments. Testing has been carried out on animals. A recording device is installed beneath the skull and a pad of electrodes are put around the spinal cord. The two are joined by a wireless connection. What this achieves, in theory, is a system that translates the animals intent to move into an electrical stimulation in the spine. So brain and body are once again working in harmony.

Voice Searches

This was starting to become a big trend last year, and it’s popularity shows no signs of slowing down. Voice search technology allows the user to speak to their phones and instantly receive answers to questions, schedule dates in diaries, and even turn the heating off at home. This technology is set to be introduced to more areas of our lives than ever before. Forget asking your phone the weather, it could be useful in our homes and workplaces too.

Virtual Reality

Virtual reality technology was big news last year and continues to be this year. VR can come in the form of headsets for gaming, immersing you in a virtual world. The latest in VR tech is virtual reality retail, a new three-dimensional environment for users to explore.

Artificial Intelligence

Artificial intelligence is always big news and 2017 is no different. This year we can expect to seem some impressive leaps forward as investment into this kind of tech rises. Autonomous machines are the big new development, vehicles which drive themselves. Businesses will start using machine intelligence to gain insights into better services for customers.

Cheap Power

Solar panels were the tech of choice for eco-conscious consumers. Years after they were first released, these panels still aren’t up to the job. A new solar device promises to succeed where solar panels failed. Scientists are working on a new kind of solar energy device. It will work by transforming heat into beams of light. In theory, this will be cheaper than solar panels and harness far more of the sun’s energy. Turning sunlight into heat and then back into light, is the general idea. This could increase efficiency and provide cheap and continuous energy.


A Well-Oiled Website Is the Key to Corporate Success

Promoting a business was never an easy task in the past. Since the introduction of modern technology and the internet and the major applications it has for business, promotion is now and even bigger task due to the number of factors a business owner has to consider. For instance, you now need to worry about web hosting, software development, eCommerce, social media and search rankings.

However, most of this can be generalised and referred to as your website. Your website is essentially the first thing that people see when they Google your business or search for you on the internet, so it better be damned good and make a great first impression if you want people to actually visit your website more often to increase exposure.

Creating a great website is easy if you just hire a freelancer or outsource the work. However, that doesn’t mean it will always stay good. Websites have to change and evolve depending on their audience or the business that runs them which is why many large corporations have in-house web design teams and programmers that work in harmony on a website. This enables the website to constantly change depending on new trends, fads or even design tropes that are popular. It goes without saying that a great website is one of the major components of a successful marketing strategy which ultimately leads to corporate success. If you want to create a website that your viewers will love, then here are a couple of tips for you to follow.

Monitoring performance and user interaction

One of the most important things to consider when running a website is how it feels for your users to interact with. You can’t exactly go to someone and ask them about your website, and you can’t really ask your web development team or friends to check your website and give feedback. You need to get responses from people who actually use your website for its intended purpose, and this can be rather difficult.

This is why companies and web developers turn to application performance management tools. This list of APM tools should give you a rough idea of what APM actually is. But in short, it’s a way to monitor applications that are built either on websites or as independent software packages. You can monitor things such as CPU usage and code performance, meaning your developers can optimise your web services using data collected with an APM tool. It can even track things such as users who are currently using the service and how they are using your web services.

By monitor users and how they utilise your website, you can collect statistics that can be used to improve your business website and propel it into the public spotlight. Although good web design comes from a lot of experience and studying, the only way to stay at the forefront of fantastic web design is to analyse patterns generated with monitoring tools.

Constant updates to increase retention

To keep your users coming back, you need to give them a reason. If they check your online web store and don’t find anything useful, then you need to at least give them a reason to come back in the future. Perhaps you update your store and you get some new items in that you want to show off, or maybe you’re open to suggestions from your potential customers. Whatever changes on your website, it’s a good idea to let people know via mailing lists or even social media. You could even have a suggestions box or a way for visitors to contact you regarding new and future products or content that they want to see.

The idea here is to constantly update your website so that people have a reason to return. By retaining customer attention, they’re more likely to suggest your website or services to other people. Your website might just be a simple front page to your business that shows contact information and services. In this situation, there’s not much you can do to keep people coming back. This is why a lot of company websites have blogs attached to them. These blogs usually contain information about inner workings of the company, the latest industry technologies, or they’re short posts about up and coming products that are written to excite people. These posts are then posted on social media and they’re shared among thousands of people, drawing attention to the website and ultimately attracting more and more exposure.

Keeping your website constantly updated can be difficult if you don’t have much content to write about, but it’s one of the key ways to ensure that you are always ahead of the curve in online marketing.