Trending March 2024 # Outsourcing: Save Money, Save The World # Suggested April 2024 # Top 9 Popular

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OK, so you might not save the entire world simply by outsourcing, but by using Serebra Connect, an online outsourcing platform, you can auction tasks to skilled freelancers in developing nations – and make a huge difference in their lives. What’s in it for you? Substantial savings – which makes a huge difference in your business.

Serebra Connect is part of Serebra Learning Corporation, an e-learning company that, among other things, provides technology-training solutions over the Internet. Ted Moorhouse, the company’s CEO, believes that Serebra Connect offers tremendous benefits to small businesses while providing life-changing possibilities to many people throughout the world.

Outsourcing frees up time and lets small business owners focus on growing the business, and it increases productivity. Using Serebra Connect, Moorhouse believes, lets socially responsible small business owners contribute to global economic development.

The eBay for Services

Here’s how it works. If you have a job that needs doing – say Web design or a PowerPoint presentation (Serebra Connect offers more than 200 task categories), you can post the job in the site’s marketplace – for free – through the Post-a-Task Wizard.

Freelancers from anywhere in the world (not just developing nations) can browse the marketplace for jobs that match their particular skill set (they can also take online courses from Serebra to improve skills and their ranking). The Ask a Question forum lets them correspond with buyers to better understand a job’s requirements.

You browse the bids you receive from the various freelancers, and you can view individual profiles, education and feedback to help make the decision. Once you’ve chosen a particular freelancer and agreed to a deadline and fee, the money goes into an escrow account – ConnectPay – held by Serebra Connect, thus eliminating risk for both parties.

The freelancer does the work and submits it for approval. Both parties use their individual My Connect collaboration space and tools to exchange files, send messages, make corrections and adjustments to the work as needed and track the project’s progress.

When the buyer marks the work as complete, Serebra releases the fee – to the seller in the form of a MasterCard debit card that can be used anywhere in the world. The seller pays a percentage of the fee – Moorhouse says it’s around 13 percent to Serebra Connect. And, as with eBay, both buyers and sellers leave feedback for each other.

Moorhouse says Serebra Connect is a win-win situation for buyers and sellers alike. Here’s how the company breaks down the outsourcing benefits for both groups:

Buyer Benefits

No membership or service fees to post unlimited tasks

Payment to the seller is only released after the buyer marks the task as complete

Save time

Save money

Increase productivity

Provide income to individuals and the economies of developing nations

Seller Benefits

Join the global economy and earn income with your skills

Access affordable e-learning courses to learn new skills to earn more income

No membership fees and unlimited free bids

Receive recognition for courses completed and new skills learned

Bid on tasks quickly and easily

Use your own personal online workspace

Work from home

Growing a Global Economy

Moorhouse laid out a scenario that describes how Serebra Connect can create positive, economic change. According to chúng tôi the average salary for a teacher in the Philippines ranges from 11,000 – 15,000 pesos annually, which translates to approximately $22 – $30 U.S. per month.

Take one small business owner in New York who needs a PowerPoint presentation, but lacks the time and/or skills to do it in-house. That task could cost her as much as $1,000. Instead, she goes to Serebra Connect and receives a bid from that teacher in the Philippines for $80 (all prices in U.S. dollars).

“That’s big savings for that small business owner, and even bigger income for the teacher – almost four times the average monthly income,” said Moorhouse. “People don’t just need education,” he said. “They need jobs and income.”

This article was first published on chúng tôi

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Cleaning Up Databases To Save Time… And Money

Before a global consulting firm integrated new software into its

5-terabyte database, the company’s IT staff spent so much time cleaning

up their information that bigger projects had to take a back seat.

IT workers at Hewitt Associates, a human resources consulting and

outsourcing company based in Lincolnshire, Il., had gotten used to

spending many tedious hours searching through their IBM Lotus Domino

servers and racking through confusing Domino logs to determine which

applications weren’t being used, costing the company lots of hard drive

space and money.

To solve this problem they recently started using DYS Analytics’ Control

Usage Investigator (CUI) software.

Now, Hewitt’s IT staff can work on other projects while the CUI program

cleans up their servers, says Scott Pitts, manager of Hewitt’s Knowledge

Management Infrastructure Group.

”(CUI) is saving us money,” says Pitts. ”We don’t need people to

baby-sit the servers anymore.”

The CUI program is DYS’ answer to an IT need to make messaging and

collaboration applications run more efficiently, says Drew Wolff, vice

president of products at DYS. He says CUI software monitors and analyzes

application usage, and traffic and performance levels throughout entire

networks, allowing organizations to determine which applications were

being used and which ones were simply wasting time and money.

Prior to adopting the CUI software, Pitts says his IT staff had to look

through Domino logs to figure out which applications and user ID’s were

no longer needed. This process was time consuming and expensive, he adds.

”It was too much to check through by hand,” says Pitts. ”The Domino

logs were hard to understand. We were not doing it efficiently.”

Matt Cain, a Domino analyst at META Group, Inc., a Stamford, Conn.-based

analyst and research firm, says the CUI software solves a business

problem created by the excessive amounts of unused Lotus Notes

applications running on Domino systems.

”A tech-savvy business person can write his own Domino applications

easily, which ends up with lots of applications going unused,” says

Cain. ”Some companies have thousands of Lotus applications with 20 to 30

percent not being used, just taking up space. This creates a liability on

the system.”

And Pitt adds that by eliminating such idle applications, the IT staff at

Hewitt was able to free up a lot of hard disc space.

”We aren’t spending money on adding new disc space to the servers

because of databases that aren’t being used,” says Pitt.

The CUI software also allows Hewitt IT staff to work on other important

projects, instead of manually searching through the servers for these

unnecessary applications.

”We used to have to do about 20 percent of this work by hand,” says

Pitts. ”If there were less than five people using a database, it was

hard to tell that when reading a log.”

DYS’ CUI is designed to solve such problems.

The Wellesley, Mass.-based provider of application performance software

released the CUI product as part of its CONTROL! family of application

performance management solutions for collaboration environments this past

January. While DYS currently offers solutions for Microsoft Exchange, IBM

Lotus Domino, IBM Instant Messaging and Web Conferencing (formerly

Sametime), and IBM Team Workplace, the CUI is used solely with IBM Lotus


”CUI provides analysis reports of what’s happening with the

collaboration of an application so IT can ‘efficientize’ this (process),

reduce the cost of ownership and increase the quality of service,” says


He also notes that beside its database-clean-up capabilities, CUI also

picks out which user profiles are not needed. Employees frequently come

and go in organizations for a variety of reasons. CUI determines when an

employee has left the company, or is on a leave of absence.

”Instead of having to go out and buy new user licences from platform

vendors, IT can recycle or retire the ID for the next employee,” says

Wolff. ”This also saves on maintenance fees.”

Wolff also says CUI’s Application Rationalization abilities are aimed at

organizations with remote offices. The software determines which

applications should be placed on the remote offices’ networks, as well as

where it’s not efficient to install them.

Pitts says Hewitt has about 87 worldwide remote offices, and about 300

global Domino servers, with more than 20,000 desktops accessing Domino

applications. He says these networks are much easier to monitor with the

CUI software.

”We get monthly reports which help us keep track of what is being

replicated… and what replicated data is really needed,” says Pitts.

”CUI goes through and cleans up everything for us.”

Wolff adds the CUI software has a ”work flow process” designed to

assure that databases aren’t deleted before they need to be. A company

may only need an application at the end of the year, or a user ID may

simply be unused while the employee is out on a leave-of-absence. CUI is

designed to detect these special situations.

”As the company grows, people put stuff on the databases and it grows,”

says Pitts. ”Usually if you need to add (an application), you can delete

one too.”

CUI has security benefits, as well. The software looks at who is using

which database and which users are trying to gain access to certain

information, as well as who shouldn’t be accessing a database, Wolff


Credit Card Tips And Tricks: How To Save Money

With so many perks and incentives available, it’s understandable why individuals would be sucked into spending and using their cards for purposes other than what they were meant for. This may be harmful to both your finances and the business as a whole. In a society where people are clamoring for freebies, giving away profits frequently results in worse company practices. The suggestions in the following article will help you save money and keep your credit card balance within acceptable limits.

What is A Credit Card?

Using a credit card is a means to obtain “credit” or a loan from a bank. The revolving line of credit is the official term. It’s a credit card with a predefined borrowing limit that you may access at any time. The credit limit is determined at the time of application. If your credit card is approved, you can use it to make purchases online or in person without having to pay with cash.

Your balance increases each time you use a credit card to make a purchase. The money above your minimum payment, if you don’t pay off your debt in full each month, goes towards interest and fees. This might make it challenging to pay the whole sum each month and difficult to buy products on time.

You might wish to apply for a personal loan instead if you believe that using a credit card is not for you but you want additional dollars for an emergency. You have a variety of online loan options to choose from, some of which have interest rates that are significantly lower than those on credit cards.

How do Credit Cards Work? Interest Rates

The appropriate interest rate will be disclosed to you when you apply for a credit card. You must pay this annual fee on any unpaid balance that is not settled by the due date, regardless of how much it is. You’ll pay a different amount in interest each month. The amount you spend, the amount you repay, and the timing of the repayment all affect it. For instance, if the interest rate is 18% per year and your amount is $100, you will be charged 18% per year of $100, or around $1.50 per month.

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Credit Limit

You can only borrow up to your credit limit. When you apply for a credit card, you have the option of setting your credit limit or allowing the bank to do so based on the details you provided on your financial situation. The minimum card limit that the bank will set will vary depending on the kind of card you apply for.

Interest-Free Periods

The majority of credit cards provide “up-to-44 days” or “up-to-55 days” of interest-free repayment on purchases. This implies that interest on amounts you owe doesn’t start to accumulate until the statement due date.

Rather than on the day you make a transaction, interest-free periods often begin on the first day of your payment cycle. For instance, if your credit card has a 44-day interest-free grace period, you have 44 days from the day of your statement to make full payment of the closing balance. Similarly, if your account shows an interest-free days payment, you must make this complete payment. You will then be assessed interest.


Like any loan, you must repay a credit card bill once you have it. Every month, your bank will give you statements that include the total amount you have loaned, any repayments you have made, the interest rate, any accumulated interest or fees, and the minimum payment due.

Make sure you pay the closing sum in full by the deadline each month to avoid paying interest. You must pay at least the minimum payment amount indicated on your statement if you don’t pay the closing debt in full. You can be charged late fees or missed payment costs if this sum isn’t paid by the deadline.


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Balance Transfer and Cash Advances

Credit Card Tips & Tricks That Could Help Your Credit Health

Pay off your credit card balance every month. Pay off your credit card debt in full at the end of each billing cycle to avoid paying interest on purchases made with it. If you can resist the need to spend more than you can afford to in any given month, you may profit from using a credit card without being charged interest.

Use your credit card for needs, not wants. It’s important to use credit cards responsibly. Spending money carelessly might result in debt. In an emergency, such as when a cell phone bill is due before your next paycheck, credit cards can be utilized. Use the credit card as a short-term loan to yourself, and then pay it off as quickly as you can to reduce or completely prevent interest rates.

Never miss a payment. Even if the minimum payment is all you can afford, pay your bills each month. Missing a credit card payment might hurt your credit report, pay a late charge, and pay penalty interest rates.

Use your credit card as a budgeting tool. Try using a credit card as a budgeting tool if you’re convinced you can use one responsibly and pay the debt in full each month. You can easily calculate your monthly spending by using your credit card for all of your purchases. Naturally, you should only do this if you are certain of your ability to settle the sum each month. Never charge more on your card than you have in your bank account to prevent your credit card spending from getting out of control.

Use a rewards credit card. It makes sense to use a credit card that lets you earn rewards if you use it for the majority or all of your expenditures. You may save money on interest payments as well as gain incentives like money, airline miles, or shopping points.

Reduce your credit card limit. Sometimes, our credit card limitations are far more than we need. Have you ever used up all of your allotment? If not, think about lowering them. Because banks will base your payments on the card’s limit rather than the balance, it will reduce the number of issues you may get yourself into and increase your borrowing ability. Additionally, regularly check your credit to determine how much remaining credit you have.

Don’t carry your card around with you. Use your credit card only for purchases you are positive you will make and avoid keeping it in your wallet or handbag. This removes the temptation to use it each time you wrongly assume you need it but don’t. You should take precautions since your credit cards might be misplaced or stolen.

Use a written budget. You shouldn’t use credit cards to pay for items you want but haven’t budgeted for. Use the credit card as a tool inside that budget to help you stay within it after creating a detailed, written budget that outlines how much you should spend in each category.

The Bottom Line

The decision to use a credit card ultimately comes down to personal preference. Choose the approach that will fit your lifestyle the best and provide you with the greatest assurance that you are still maintaining your financial obligation. The basic rule of thumb is that you should always pay your balance in full by the due date. Credit cards can be a convenient tool for spending and paying, but you’ll save yourself a world of trouble down the road if you avoid using them as the only method of spending and paying. And if you like your credit card perks, don’t worry—you don’t have to give them up. Just tone things down a bit, and you’ll have it made.

Marjorie Hajim

Marjorie Hajim is the SEO Manager for Friendly Finance. Friendly Finance is a leading loan matching service in Australia specialising in consumer finance. She loves growing businesses with a focus on their online presence and is passionate about organic growth and all things digital. She has written articles for FinanceBuzz, Futuramo, FinancedBlog, & many more!

Save Your Money And Your Data By Preparing Your Phone For Travel

When you’re traveling, you rely on your trusty smartphone to navigate, translate, and stay in touch with friends. But on the road, you may face challenges like insecure or nonexistent Wi-Fi and a scarcity of places to charge your device. Before you head out the door, take a few steps to prepare your phone. These tips will make your indispensable travel companion even more resilient and useful.

Protect your device

You want your cell phone to last the duration of the trip. That means protecting the physical device—and the personal information you keep inside it.

To keep your hardware intact, invest in a sturdy case. No matter what make and model you own, you can find all kinds of reasonably-priced options online or in your local tech store. Look for a case that promises decent protection against drops and shocks, and check the manufacturer’s claims by reading online reviews before purchasing.

Even an intact phone won’t do you much good if it runs out of juice. If you’re about to leave civilization for the great outdoors, or simply worry about finding a good place to charge up, opt for a case that packs extra battery power. Alternatively, pick up an external portable charging pack. As with cases, you have a lot of options, including the Anker PowerCore 10000 ($26 on Amazon) and the Mophie Powerstation XXL ($100 on Amazon), which can also charge your laptop. When you’re browsing power packs, remember that in general, the more expensive choices provide more charging power.

Physical damage and dead batteries aren’t the only travel problems you should consider. If you lose your phone or a thief steals it, you also want to make sure your personal information stays safe. You should protect your lock screen no matter where you happen to be, but this security precaution becomes particularly important when you’re away from home. It’s all that stands between a stranger and your personal contacts, social media accounts, and apps. Some of these apps contain financial information or access to your credit card, and many will log you in without asking for a password.

Here’s how to protect your lock screen and keep your data safe from unwelcome visitors. On Android, open up Settings and tap Security & location; on iOS, access a similar set of options in Settings under Touch ID & Passcode. Activate an unlocking mechanism like the fingerprint sensor or a lengthy (six digits or more) PIN code. Avoid a swipe pattern, which is easy for onlookers to crack by watching you unlock your phone. While you should also make sure no one spies on you as you enter a PIN, the six-digit code is harder for snoops to guess.

Avoid shady Wi-Fi

Going away from home means relying on public Wi-Fi. By its very nature—anyone can access it—this network will be less secure than the one you rely on at home. Not all public Wi-Fi will compromise your security, but as a general rule, you should approach the networks with caution. Connecting to them puts you at the mercy of whoever set up the Wi-Fi and whatever safeguards they employed.

To begin with, assume anything you do on public Wi-Fi can be spied on. So keep important online tasks, such as banking and shopping, to a minimum. When viewing a website on your phone’s browser, make sure you can see the green padlock symbol in the address bar, and a HTTPS label in front of the address, before entering anything sensitive.

We’ve written in depth about staying safe on public Wi-Fi before, so read through that guide for some pointers. We’ll discuss just one of those tips here: installing a VPN, or Virtual Private Network. When you absolutely have to rely on Wi-Fi—for example, to back up those vacation photos—a VPN is a great way to add some extra security. VPN apps create an encrypted, personal connection to the web, making it much harder for anyone else to peek at what you’re doing.

Plenty of developers sell VPNs, so when you start shopping for a good one, check recent VPN round-ups to get up to speed on the best options. If you’re eager to get started right away, we’ve collected a few of our favorites. The browser developer Opera offers a free, simple, and effective VPN (for Android and iOS), and you can also pay (prices start at about $23 a year) for faster speeds and extra tracking protection. We also like NordVPN (for Android and iOS), which offers a free trial and then requires payments starting at $12 per month; TunnelBear VPN (for Android and iOS), which has a free version for limited use and charges $4 a month for more data; and IPVanish (for Android and iOS), which lets you start with a free trial and then begins charging $2 a week.

Save your data

When you jaunt around outside your home network, you might come home with an oversize data bill. To avoid this, you need to make minimizing your data use a top priority while you’re on the move, especially if you’re hopping between countries on a regular basis.

Luckily, you have lots of ways to reduce your data use. Check inside your favorite apps to see if they offer a data-saving mode. For example, Snapchat has Travel Mode: Enable it by tapping the ghost or bitmoji icon on the top left of the camera screen, then the cog icon on the top right, then either Manage Preferences (Android) or Manage (iOS).

Many web browsers give you data-saving options as well. In Chrome for Android, tap the menu button (the three dots on the top right), then Settings, then Data Saver. When you enable this mode, Chrome will compress pages via Google’s servers before showing them to you. However, the feature isn’t yet available on iOS, and it doesn’t include secure sites (those whose addresses start with HTTPS). Firefox for Android has a similar setting: Tap the menu button (three horizontal lines) at the bottom of the screen, then Settings, then Advanced. Under Data saver, you can prevent videos from autoplaying and images and fonts from automatically loading.

Beyond apps, Android and iOS provide their own data management tools. To access them on Android, head into Settings, then Network & Internet and Data usage; on iOS, open Settings and go to Cellular Data. On these pages, you can see how much data you’re using and even set it to turn off when you’re out of your local network (although if you take this step, you’ll have to rely on Wi-Fi for web access). In addition, Android has a Data Saver option that limits how much data background apps can use.

Depending on your carrier and contract, and the country you’re visiting, you might save money by buying a local or international SIM card. When you’re on the move, simply swap out your regular SIM for your travel version. To figure out the best approach, look up these cards on comparison sites and travel forums. If your carrier offers a roaming deal, you may opt to avoid SIM cards, so you should always put in the research before purchasing anything.

Stay offline

If you want to stay entertained without wasting data, apps like Spotify and Netflix let you download music and movies to your phone. Inside Spotify, toggle the Download switch on any playlist or album to save it. However, Spotify only lets premium users access this option. On Netflix, tap the download icons next to individual episodes or films. Because of its licensing deals, Netflix won’t allow you to download some content, but you can still find enough to entertain yourself when you’re away from home.

Many other apps—including Apple Music, Google Play Music, Tidal, Google Play Movies & TV, and Amazon Prime Video—also have offline options.

Outside of individual apps, keep an eye on the usage menus mentioned earlier to avoid draining too much data. And if you’re determined to maximize security and minimize cost, you can always activate your phone’s airplane mode, which disables both Wi-Fi and cellular network access, along with Bluetooth. As long as this stays on, your phone can’t send or receive any information.

Where The Cloud Can’t Save You

Generals will divide their forces to ensure that their army survives a battle. The cloud takes you to the next level, you can achieve the same by replicating your application, being in multiple places at once to keep a service window always open for your users. However, if the split forces still report to a single commander, and he gets taken captive, it doesn’t matter how many places you are located, none of them will be able to function. The army as a whole is vulnerable at a single point of failure. A distributed application can operate in several locations throughout a cloud network, but if every instance of that application is connected to the same database, you have the same problem. Your entire system is vulnerable at the point of its database – even on the cloud. In order for an army to split up and continue on its mission, local commanders must possess the same information as the general and possess the authority to make commands under his authority. In order for a database to enable the same agility to the entire application, it must be distributed where several copies of that database exist across multiple nodes, each having the same information and ability to operate independently.  

Using Helicopters in a Drone World

Relational databases were first used in the 1960s, long before the cloud, or any type of distributed network. They are designed to work on a server and to provide all your data needs from one location. Their size and speed enable applications worldwide to serve their users with accuracy and speed. Their challenge is their perpetual monolithic structure. Due to the complexity of how a relational model puts together data, appearing on multiple nodes while constantly replicating to itself increases that complexity to unsustainable at any cost. Relational models restrict their applications to a single point of failure. Even at above average availability, cloud platforms do have outages. If such an outage were to hit a relational database, the entire application relying on that database will be disabled until a new server can be found.  

A Distributed Solution for a Distributed World

Nonrelational databases were developed alongside the cloud a little over a decade ago. Like cloud platforms, they were developed to be distributed from scratch. Without the need for multiple tables or even schemas, the most common type of nonrelational database, the document database, is natural for a distributed system where multiple copies of your database can sit at the backend of multiple copies of your application. Provisioning servers on the cloud closest to where your users are reduces the distance from their device to your application, increasing performance. It also reduces load on any one database at any one time. It’s like being on the longest of three lines in the supermarket when an announcement is made: “Will the people at the end of the longest line please move to the front of the shortest?” How awesome is that.  

The Age of Expanding Data

Like our universe, data is in a state of constant expansion. There is always more traffic, more volume, even the amount of information you can store in one unit of data is rising. To manage that, while keeping performance robust in the face of more information to constantly administer, you need a distributed system. If your application relies on one massive database, the cloud can’t save you. The best way to attack the data of tomorrow is with the finest tools of today.


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