8 Technologies Modern Businesses Can't Live Without

As a business owner, if you're not syncing your operations with new technologies for efficiency, security, and productivity, you're falling way behind. It already took a long time for businesses to get up and running from typewriters to computers, and from physical files to digital. But as technologies keep coming out, keeping your finger on the pulse is essential. Here are 8 technologies that will take your business to the next level.

1. HD Video Conferencing

Conference calls are so passé. We all struggle to take our turns, get clear reception, and follow the conversation as more and more people are added to the line. Not being able to see our collaborators is a detriment to productivity. That's why modern businesses are using video conferencing as a way to get that much-needed face time. If you're going to go all out for video conferencing, you might as well get it in HD.

2. Team Messaging

In the old days, if we had a question for one of our coworkers, we had to get up from our seats, walk over, interrupt them on whatever they were doing, and ask our question. Now, businesses are integrating methods of easy online communication a la the AIM of our youth, but all grown up. Slack is one of the leaders in the team messaging field, for its accessible layout and the ability to send and share documents with ease.

3. BYOD and Mobile Solutions

Gone are the days of landline phones! To enable the "work from home" movement, some employers are gung ho about the "bring your own device" policy. It saves money and space. Being mobile-friendly encourages your employees to use their phones. But careful, this could make goofing off look a lot like working. It does however, encourage working before and after business hours.

4. GTD® Software Utilities

For those of you that don't like acronyms, you should start to like them if you're going to have a modern business. GTD® stands for "get things done," and these special software utilities are designed to do just that. These include digital list managers, productivity add-ons, organizers, and note-taking and brainstorming tools to help increase efficiency at the office. Check out more, here.

5. The Cloud

Servers are an unnecessary space-killer in an office. Working on the cloud gives you the ease and convenience of sharing documents on a network (the Internet). Google Drive and Dropbox are two of some of the more popular cloud-based file storing services. Google Drive allows you to comment on documents and share folders so everyone can always be on the same page.

6. Digital Signature

Snail mail is a thing of the past. Now, contracts are being sent as PDFs. Instead of printing, signing, scanning and sending, businesses are using digital signatures to get the job done faster, and with a lot less paper. Here's how to employ the digital signature function on Adobe Reader.

7. CRM

Another acronym, folks. CRM stands for "customer relationship management" and is a valuable tool to track, manage and analyze customer behavior data to inform you on future strategy. This technology can be a useful way to improve a customer's perception of your business. But there are tons of CRM systems out there. Here is a guide from CRM Magazine on how to know what's right for your business.

8. Smart Payment Processing

If you're still mailing out invoices and receiving checks, you're missing out. All-encompassing payment processing solutions like PayPal for small business are out to help your business run smoother. This service allows you to accept diverse payment options, be eligible for credit, and get paid faster and more securely.

Technology is booming at an unprecedented rate. Is your business prepared to keep up?

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Truebill Is The App Everyone Needs, I Use It Everyday To Track All My Finances

I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

5 Reasons You Need FanDuel TVG If You Want To Get In On All The Horse Racing Action

My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.

In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.

We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.

I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.

One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.

Here are 5 reasons why we are obsessed with horse racing thanks to TVG:

1. Betting has never been easier

Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.

2. The biggest selection of horse races out there

If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.

3. Get a generous sign-up offer when you place your first bet

Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.

4. Making deposits and cashing out at the touch of button

With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!

5. Watching live races with your friends while betting is exhilarating

Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.

With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.

TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.

The races just keep ramping up and thanks to TVG, I can always get in on the fun.

UPDATE: The biggest derby in horse racing is THIS WEEKEND. Get in on the action with your $200 risk-free bet!

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