Stock Trading vs CFD Trading: The Pros and Cons of Having Options

Traders and Investors

Traders and investors have a wide range of options available to them when dabbling in the financial markets today. Conventional investments at bricks and mortar institutions typically require the purchase of underlying financial instruments such as stocks, bonds, indices, commodities, mutual funds, and ETFs. These traditional investment paradigms are understood by traders around the world. Multiple licensed and regulated institutional brokers currently exist, offering access to the global financial markets i.e. bourses.

A wide range of investment options is currently available in this format, such as technology stocks, industrial stocks, blue-chip stocks, and the like. Popular bourses include the Dow Jones Industrial Average (DJIA), NYSE (New York Stock Exchange), NASDAQ, S&P 500, FTSE 100, FTSE 250, Nikkei 225, CAC 40, DAX 30, ASX and multiple other indices. These bourses are the de facto exchanges where public companies are listed. When day traders, swing traders, or casual traders are looking to invest their hard-earned funds in markets, they can always go the conventional route by investing in actual stocks.

Your profit potential in stocks is dependent upon asset price appreciation. This means that you will purchase the underlying asset (take ownership of that asset), and wait for it to appreciate over time. This is a slow growth strategy, and a medium to high-risk investment option, depending on market volatility and related concerns. Investors with an eye to owning stocks are typically in it for the long haul. Traders can also benefit from buying physical stocks and then selling them through day trading or swing trading actions. A day trade is opened and closed within the same business day, while swing trading references a trader’s ability to swing into the markets once he/she spots a trend. Swing trades can last as long as 2 weeks.

Stock trading is especially popular now that US markets have been injected with newfound momentum. For example, a trifecta of factors is fuelling explosive growth in the NASDAQ, S&P 500, and Dow Jones. These factors include tax reform going into effect on December 31, 2018, deregulation of the financial sector, and increased monetary tightening with higher interest rates. This is like the perfect storm for explosive stock price appreciation and traders at leading platform such as eToro can now access physical stocks and take advantage of market realities. Investment opportunities are available to traders and investors across multiple markets.

How Do Traditional Stocks Compare to CFD Stocks Trading?

The traditional investments – owning physical stocks – is still preferred by many people, but there are alternatives in the form of CFD trading. A CFD is a contract for difference. It is a derivatives trading instrument where a trader/investor does not buy the actual stock. Rather, the trader/investor buys the option to sell a contract that tracks the price movement of the underlying financial instrument. It is a fundamental difference, and there are many inherent benefits of CFD trading.  However, the benefits of CFD trading should certainly be weighed up against the merits of owning actual stocks which are an actual asset, not a derivatives product.

Here are some factors to consider when trading CFDs

  • CFD trading and tax is an important consideration. In the US, CFDs are considered swap contracts with ordinary capital gains/capital losses being used for the tax realization. In the UK, losses can be offset against profits for tax purposes. Further, there is no stamp duty, and CFDs offer 24-hour dealing.
  • CFD trading includes leverage and margin, meaning that you don’t need to have the full value of the trade amount in your account. A 50% margin only requires 50% of the trade in your account. A 2% margin only requires 2% of the trade value. In other words, the cash requirements for CFD trading are significantly less than they with stock trading.
  • It is important to remember that CFD trading and the leverage/margin elements can result in significant profits, or significant losses, depending on which way trades go.
  • CFDs are considered a hedge against traditional stock trading and investments. In other words, if stock markets are crashing, you can hedge with put options on CFDs to protect your investments.
  • CFD trading is permissible on a wide range of underlying assets such as stocks, bonds, commodities, indices, currency pairs etc.
  • CFD trading can be executed with a professional brokerage with no fees involved. Plus, there are no restrictions vis-à-vis day trading requirements.

Traders and investors have a wide range of financial instruments to choose from vis-à-vis CFDs and traditional stocks trading. CFDs are considered an outlier investment option, and are traditionally used as a hedge against downturns in stocks. Ownership of actual stocks remains the most heavily invested market when it comes to equities. Stocks trading has historically generated significant profits over time, while CFD traders are typically on the losing end of the spectrum. The FCA estimates that some 82% of traders lose money on CFD trading, owing to their lack of understanding of the financial markets, and high leverage. Picking blue-chip stocks is a safer option, albeit with an element of risk. Both of these investment options should be considered, and the merits and pitfalls weighed up against one another.

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How to Choose the Ideal Health Related Online Course

Ask Yourself the Following Questions:

Do you want to work in healthcare or add to your current healthcare qualifications and experience? If this is the case, there are many different public health degree online courses to choose from. However, there are certain things you should consider before you make this important decision, some of which are listed below.

The Area of Healthcare You Are Interested In

It’s much easier to study a topic you are interested in learning about. This is particularly true when it comes to the public health course you select. Epidemiology, environmental health, global health, nursing, children’s health, infectious diseases, women’s health, men’s health and health policies are just some of the areas covered by health-related courses.

Employability and Career Progression

In most instances, a person who enrolls in a healthcare related course such as the Masters in Public Health online course will eventually work in the healthcare sector. This is why it’s important to choose a course that increases your job prospects or helps you progress in your healthcare career if you are already working in healthcare.

Course Accreditation

Like any type of course, some healthcare related courses are better than others. Do your homework before deciding what course to take and make sure it is accredited through a trusted health education authority, such as the Council on Education in Public Health

Future Salary

Most people work in healthcare to help other people. However, you still have to pay your bills and ensure that you can provide for yourself and your family. This is why you should be aware of the potential salary you can earn, once you get a particular healthcare qualification. A range of healthcare salary websites provide this information, so you know exactly what salary you can expect to earn when you enter a particular healthcare profession.

Time Span of the Course

When you start an online course such as the Master of Public health course, you may have to put many other things on hold and become more disciplined. This includes allocating time to study online, work or family commitments. The weekly hours required to study and the overall amount of time needed to complete the course should be understood before you make your final decision about whether or not to take a particular course.

Talk to People Who Know What’s Involved in a Particular Health-related Course

Learning from the experiences of others will save you a lot of time and help you avoid many problems in the future. The most effective way to do this is to talk to current and previous students on the course you are interested in. Approaching lecturers and educational institutions that provide these healthcare related online courses will also give you a clearer picture of the course, what’s expected of you and how it can benefit you once you graduate.

There are many factors you should consider before you begin an online healthcare related course. The most important factors are listed above. Once you understand every aspect of a course and how it will affect your life going forward, you can make a much more informed decision.

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Life Insurance- Protecting Finances and Loved Ones


Life Insurance Coverage

Life insurance is also referred to as life assurance or life cover. It provides financial protection for loved ones or named beneficiaries in case you die during the valid period of your policy. Protecting against financial loss that results from an insured’s premature death safeguards beneficiaries from the financial impact of death.

Aspects of Life Insurance

  • A life insurer pays the death benefits in consideration of the insured’s premium payments. Life insurance entails a contract between a life insurance company and the person with insurable interest. The financial risk of untimely death is transferred to the insurer for a specified premium amount.
  • It is important to note that life insurance is not an investment or saving product and unless a claim is validly made or you have permanent life insurance, there is no cash value.
  • You determine how much cover you need as how long you will need it.Premiums can be made on a monthly or annual basis. Your family has peace of mind knowing that in case while you have the policy coverage, they will be paid when a claim is made accordingly. These funds can be used to cover mortgage payments, child-care costs or household bills.


If you have a spouse, children or anyone who depends on you for income or financial help, life insurance is an important consideration. If the income you earn as part of a couple or sole breadwinner helps with household costs, the family may find it difficult to pay bills such as rent or mortgage without that money. Learn more about JUNIPER LIFE INSURANCE here.

If you work from home or part- time, you family may struggle to handle the expenses of finding someone that can look after the children if you are no longer around. Any individual who has dependents is advised to take out life insurance.

Debts and Loans

Life insurance can also be essential if you have an outstanding mortgage, loans or debts. It can pay out a cash sum in case you die during the policy term. The money could be used for the purpose of helping to pay debts or assist the family with daily living expenses and child care costs. It can also help with funeral expenses.

Death Benefit

Death benefit is a term that is used for the cash amount that the beneficiaries of the insurer receive from an insurance provider upon the insured’s death. While the insured determines the amount of money, the insurance provider must establish whether there is insurable interest and the insured qualifies for coverage according to underwriting requirements.


The life insurance company determines the premium amount required to cater for mortality costs. This amount is typically based on actuary statistics. Main determinants of risk include lifestyle, family and personal medical history and the insured individual’s age. As long as the premium is duly paid, the insurer has an obligation to make the death benefit payment.

Cash Value

With permanent life insurance there is a component of cash value. As a savings account, it enables the insured to amass capital for a living benefit. Accumulated capital can be used for any reason when the insured is alive. The insurer also uses it to mitigate the risk.

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Safety In The Workplace: What Can You Do To Mitigate Risk



Accidents at work are something that most people presume only happen to others and will never directly impact them. However, the fact is that isn’t the case: workplace injuries can happen at any business at any time, all it takes is one simple mistake, and a team member could suffer life-changing injuries. Did you know that on average, each year around 4.7 million working days were lost due to workplace accidents and injuries? It shows just how commonplace workplace injuries are. Most businesses will, at one time or another, have at least one serious workplace injury to deal with.

The good news is that although workplace injuries are common, there are simple steps that you can take to reduce the risk of them occurring at your business premises. However, nothing is ever guaranteed, which is why it’s so important to have adequate insurance cover in place, but by taking these steps, you can significantly reduce your risk. To reduce the chance that your business will fall foul to a workplace accident or injury with serious and far-reaching consequences, have a read of the tips below.

Implement a health and safety policy

One of the first steps that you need to take when it comes to health and safety for your business and team members is to implement an effective health and safety policy. Every business is required to have a health and safety policy in place, and if you have more than five team members, it must be written out and available for your team members to access and read on request. A lot of employers choose to include it in their team members’ induction packs, and this means that they have access to it immediately.

 Assess the risks

When it comes to preventing accidents and associated injuries at work, it’s vital that you assess the risks on a regular basis. As an employer, it’s your job to perform routine risk assessments, making sure that any potential risks are noted down, and your employees are made aware of them. Take the time to consider every potential risk in your workplace, from cracked tiles to wobbly handrails, ensure that every possible risk factor is noted down. If you are worried about missing anything out, then it could be worth hiring a professional risk assessment specialist to visit your business and perform a risk audit. That way, you will have the peace of mind that nothing has been missed.

Stay up to date on risks

When it comes to workplace risks, it’s important to realize that these are changing all the time. That’s why it’s so important to take steps to stay up to date when it comes to what these risks. One of the best ways to do that is to attend regular industry events. For example, the ehs conferences of 2018. It will make sure you are clued up on what all of the risk factors are for businesses within your industry. By attending these kinds of specialist events, you can ensure that you are clued up in regards to all of the most significant risk factors that you and your team members may be facing. Doing so is crucial because if you are going to prevent accidents, you need to know where the risks are.

Deal with all hazards promptly

Spotted a hazard? Don’t leave it until an accident happens; you must make sure that you deal with all hazards promptly. Never leave this kind of issue to work itself out, instead deal with any hazards as quickly as possible, to make sure that no one gets hurt as a result of them. Whether it’s something simple like the water in the bathrooms being boiling or its something more serious like a faulty piece of machinery, you need to deal with all hazards immediately. Whether that means putting up an out of order sign or sending your team members home, it doesn’t matter – all that matters is that you know how crucial it is that you deal with any hazards as soon as you are made aware of them.

Ask for feedback from staff

The fact is that it’s almost impossible that you will spot all hazards yourself, and this is why it’s important to be willing to ask staff for feedback regarding any potential problems that they spot. When it comes to employee health and safety training, make sure that your team members know how important it is that they report any potential hazards that they spot to you, so that they can be investigated and you can deal with them properly.

Ensure safety information is clearly displayed

If you want to mitigate the risk of workplace accidents, it’s vital that you display all safety information clearly. For instance, if the bathroom floors get slippery when they are wet, having a sign in place is vital to help prevent slips and falls and serious injuries from occurring. If you want to prevent accidents, you need to ensure that your communication is clear when it comes to potential hazards.

Implement employee training

To ensure that your team members are kept as safe as possible while at work, it’s vital to implement health and safety training. If you want to keep your team members safe, you need to teach them how they can keep themselves safe, which is where health and safety training comes in. Make sure that you not only implement training for when new team members arrive but also annual refreshers, to help reduce the risk of health and safety breaches occurring.

The fact is that mitigating risk in the workplace is not always an easy task. However, if you take a smart approach to health and safety and implement the tips above, you can help to reduce the risk that one of your team members will fall foul to a workplace accident or injury. Health and safety should always be your number one priority, which is why it’s so important that you take it seriously from the start.

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Why Bitcoin Is Shaking Up Global Politics

Money equals power all over the world, even if it comes in different currencies. The U.S. stock market doesn’t just help people to gain and lose fortunes domestically, it also impacts forex and other stock exchanges. Bitcoin is different. It’s wholly unique in that there isn’t a steep learning curve. In fact, a student at George Washington University Online is just as likely, and perhaps maybe a little more, than a broker to be able to explain the concept of Bitcoin.

It’s a cryptocurrency that was made for computer users to be able to create their own little world. Payments made with Bitcoin are all but untraceable, which isn’t good for world governments. If they can’t get their hands on the source of each bitcoin, how will they be able to tax it?

Bitcoin and Dark Web

There’s a market for everything, including illegal activities. Drugs and even murder-for-hire are said to be obtainable online via the Dark Web. No government likes the idea of people being able to go online and pay for illegal products and services with no fear of reprisal. Entire societies have fallen by the proliferation of such activities. While stock market exchanges are made out in the open, the Dark Web offers insider trading tips at a premium. The sad part is that many of these kinds of activities are paid with bitcoins.

Taxing Online Transactions

Say that you bought 100 bitcoins two years ago and you just remembered that you had them. Today, you’d be a millionaire and the government is going to want their cut. This is where legislature gets tricky as Bitcoin was created on the web and none of its users want to be tracked or monitored in any way. Any money that you make is subject to tax. On the other hand, how is the government going to be able to tax transactions that can’t even be tracked? This is why countries like North Korea considered doing away with Bitcoin and other cryptocurrencies altogether. Bitcoin is also popular with George Washington University students because it can be used to pay for all manner of things.

When you want to cash out your stocks, you are responsible for reporting the transaction when you file taxes. It appears the U.S. government wants the same rules to apply to Bitcoin transactions.

Tracing Bitcoin Purchases and Sales

If you purchase Bitcoin rather than mine it, you need to have a source of funding. Most people just use their debit or credit cards to buy bitcoins and then keep the coins stored in a secure e-wallet. Exchanging bitcoins for cash can be harder. Unlike stocks, bitcoins aren’t really backed by hard currency. Instead, you have to find someone who believes that they are valuable enough to trade for cash and you are going to pay for that service.

Bitcoin doesn’t operate like the stock market, but it can get just as huge, if not bigger, as long as the government allows it. With that said, you shouldn’t invest in Bitcoin if you don’t know how it works. The good news is that you need far less formal trading experience to become a bitcoin miner than a stock trader.

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How To Utilize Cryptocurrency In Your Business


Cryptocurrency, quite simply, is changing the financial face of businesses and even individuals. It is the revolution in the way we perform transactions, invest and raise capital. It is replacing the need for physical money, and in some cases, it is replacing the need for banks and high-interest loans. Therefore, as more and more of us turn digital, what does this mean for the financial future in the world of business? Below we delve into the world of cryptocurrency.

Blockchain & Bitcoin

The rise of cryptocurrency has allowed new, innovative internet technology known as ‘Blockchain’ to develop. This breakthrough technology was originally created for bitcoin transactions, as it cleverly lets digital information be transferred and distributed, but not copied. It means that when businesses and individuals trade using bitcoins, they can use the digital Blockchain virtual currency exchange. The database is a public ledger which has no location and isn’t stored in one place. Therefore, it is easily accessed by the public, and a hacker cannot corrupt the files as millions of computers are hosting it. Bitcoin, on the other hand, is a digital cryptocurrency which can be used to pay for items electronically through a peer-to-peer network.

The Advantages

Cryptocurrency may be the newest digital financial trend but why are more businesses turning to this method?

  • Investment Opportunities: When you are looking to expand and grow your business, bitcoins pose the perfect investment opportunities for fellow startups and established companies. Bitcoin is often referred to as ‘digital gold,’ which means that the value has steadily risen in recent years. The total value of all bitcoin ranges into billions, and at the end of April 2017, the price per bitcoin was a record high of $1,343.
  • No Banks: As mentioned above, bitcoin is a peer-to-peer network, which means that any transactions aren’t processed through banks. It allows payments to be processed much quicker and in one currency. It means for your business that you can raise capital quicker and cheaper and it cuts out the drawn-out process of visiting banks for loans.
  • Anonymous Transactions: Bitcoins are stored in a digital wallet, and when you trade using your wallet, all that is revealed to the vendor is your wallet ID. This protects your identity, your business identity, and the vendor’s identity.
  • International Payments: As it is one centralized currency, bitcoin means you don’t have to worry about exchange rates when you are trading and buying Bitcoins feature no credit card fees, and they aren’t tied to any current regulations. You also don’t need to wait for payments as they are instant.
  • Easy To Use: Unlike having to visit a bank to transfer money, with using the digital wallet, you can transfer easily using your computer or an app on your device. There are even complex puzzles you can complete to “mine” bitcoins which are growing in popularity. On average, every 10 minutes, the winner of the puzzle is awarded5 bitcoins.

The Downside

As with every piece of technology, cryptocurrency does come with its fair share of downsides.

  • No Regulations: As mentioned, currently bitcoins and other forms of cryptocurrency aren’t imposed by regulations within countries. It means that the threat of fraud and price manipulation is significantly higher than with traditional currency. Without regulations, it has also meant that investors are using the money they don’t possess to gamble on bitcoins. Financial investors have called upon governments to impose regulations, but the absence is a large reason why investors turn to cryptocurrency. However, there are governments across the globe considering regulating their countries bitcoin markets.
  • Cybersecurity: Unfortunately, using a digital wallet means you aren’t only not insured by FDIC, but hackers and cyber threats can be present. The cryptocurrency market is hosting on a vast number of computers, which means there isn’t one central location where you can use anti-virus and anti-malware protection.  
  • Anonymity: While keeping your identity private can be an advantage, cryptocurrency has become the chosen transaction method for those using it for illicit purchases, such as buying drugs online. The anonymity means transactions cannot be traced back to the individual, which in future police cases, may pose an important issue.
  • Uncertain Future: Cryptocurrency may be highly popular at this However, no one can be sure whether it will rise in popularity or it will crash and burn. It means that investment businesses choose may fall foul and lose valuable money. On the other hand, it also has the scope to become the currency of choice in years to come.

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10 Unmistakable Signs That You’re Ready to Trade Stocks Online

Many people believe that investing in the stock market is risky and that putting your money in a safe savings account at the bank or in a money market account is the wisest financial decision. However, this isa misconception because the money in these accounts is not safe from the effects of inflation and taxation.

For this reason, a number of people see the sense in learning how to invest in the stock market. The following are signs that you too are ready to take the leap.

  1. You’re interested in earning additional income

This should be the most obvious. A lot of successful investors in the stock market got into it with the intention of making some extra money on the side. Many of them have ended up doing it on a fulltime basis. Stocks are an effective way of creating additional monthly income through regular monthly dividends or through the appreciation of stock prices. You can benefit from both by DEVELOPING A WELL RESEARCHED INVESTMENT STRATEGY

  1. You’re interested in getting more value for the time you invest

You’re interested in earning as much as you can for every unit of time invested. In other words, you want to earn more dollars per hour for the spare time you invest. Stock market trading is perfect for this because with time, you can increase the profit you make in a given period by improving your investment strategy.

In stock trading, information is highly critical. The more knowledgeable you become in selecting the right stocks, the more money you will make. Investors who invest a lot of time in educating themselves on the factors that affect stock prices benefit from having investment portfolios that outperform those of their peers.

  1. You’re excited by the prospect of participating in the game

If you’re a big fan of hazard games such as online poker or slots, then you will most likely enjoy the activity of live online trading, leave alone winning. For you, it’s as much about playing the game as it is about winning. You’re not afraid of a challenge and you’re certainly comfortable with a bit of risk.

Note that this is not to say that you should approach live trading in the stock market the same way you would online gambling. These are two different domains, each with its own set of rules. The comparison drawn here is with respect to your level of risk tolerance, which is required to a certain measure for success in the stock market.

  1. You have only a modest amount of capital to invest

The money you have available to invest is not substantial. Fortunately, that is not a big problem when it comes to learning how to invest in the stock market. You can start out by using a demo account to trade. This will help you learn the ropes so that once you save up a sizable amount of capital, you can start investing real money at a lower risk of loss because of the knowledge you gain.

  1. You recognize the importance of planning and have learned how to plan well

Are you the kind of person that has to have a good plan before starting anything worthwhile? Do you meticulously create your plans and stay committed to them? High profile investors such as Tim Sykes  TIM SYKES are a testament to the value of sticking to a strong strategy. If so, you’ll have a great advantage over a majority of investors in the stock market. Most of them go from trade to trade without following any given strategy.

  1. You’re clear about what you want

A number of options exist for earning extra monthly income, each with its own set of advantages and disadvantages. It is essential that you identify which among all available financial instruments best suit your investment goals and risk appetite. If, after comparing all the options for investment, you find that stock trading appeals to you the most, that’s a sign you should take the plunge.

  1. You have a healthy attitude toward stock trading

To live trade successfully, you need to consistently  MAINTAIN THE RIGHT FRAME OF MINDWhile a few investors may have this attitude from the start, most have to learn it along the way, usually after making a few mistakes. Qualities that are present in a good live trader include the objectivity needed to make a data-driven decision, discipline to commit to an investment strategy and the patience needed to give the strategy time before desired results can be achieved.

  1. You don’t easily crumble under highpressure

If you have the nerves needed to go through the inevitable tumultuous periods, then you’re well-equipped to live trade on the stock market. There will certainly be many times when you expect the price of certain stocks to go in one direction only for them to go in the opposite direction. Are you prepared to handle the immense pressure that comes with such occurrences?

During these moments, you’ll need to resist the temptation to abandon your investment strategy and make some ad hoc reactionary decisions  AD HOC REACTIONARY DECISIONS as that is never a good idea. You need to trust your strategy and avoid pulling the plug.

  1. You question everything and trust nobody

The unfortunate truth is that far too many people interested in online stock trading have been victims of scams. It is therefore imperative that you stay vigilant at all times. If whenever someone suggests something that goes against your instinct, you carry out research to ascertain the facts, then you will do well as a stock market trader. In the end, your trust should lie only in the data and in your instinct.

  1. You realize that live trading is not a path to easy riches

As with other legitimate investment options, returns from stock trading come after a period of learning and committing to a well-documented, testable and replicable investment strategy. If you’re willing to invest the time and effort it takes to become a successful investor, then you have a strong indicator that you are ready to trade stocks online.


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What Are the Pros and Cons of Bots? automate all services

Automation is here to stay. At least it seems that way. Ordering in food or flowers or getting your alarm going in the morning has never been easier, or more fun. As with every new development, there will always be a few negative things that will try to mess it up. The advent of bots has come with a number of advantages as well as disadvantages.

Bots have found their way into many spheres of our lives.

  • Marketing
  • Education
  • Healthcare
  • Lifestyle
  • Customers services

These fields and more have developed automation services or tasks that can be dealt with by virtual assistants. Socializing on social media has brought some significant reasons why you may need to find out how you can block bad bot traffic. That aside, there are many good things associated with bots.


Bots have brought with them a world of good. Have a look:

  • They save time for the server and the customer or client and are also very convenient.

They save time and money for the business and this results in higher profits for the business. If you factor in online shopping, you will understand how much time you save by being able to do your orders from home. You do not need to make time during the course of the day to go shopping. All the browsing and testing and the time wastage that physical shopping brings can be avoided.

Should you get home in the dead of the night and you are either too tired to cook or there is nothing in the fridge, you can turn to the internet for a solution. Stores are open 24/7 and you can have food delivered to you at any time. That is quite a leap from the time when you would have to make a call or find that no stores were open past a certain time. As long as you can access the chatbots all you need to rememberis what you want to eat. In addition, you can browsefor restaurants that are open in your area without having to call anyone. Thus, no one knows where you are unless you choose to tell them.

There is nothing that tires a person as much as something that one has to do over and over again, every day. Imagine having to physically take down files, then put them back and having to repeat that throughout the day or even the week! One is bound to get bored. Automation takes care of such tasks for you as yousimply order your bot. You can then move on to other tasks. You get more done that way.

If you need your incoming information organized, bots help to make that happen in record time. The same happens with data organization.

When you are dealing with a lot of activities that are interrelated, it is easier and faster when there is a bot to handle them. Pushing buttons and getting information from myriads of sources and coordinating directions can be achieved so much fasterwhen one simply has to give orders.


Below are a few disadvantages of the use of bots:

  1. They cannot be effectively set to perform exact tasks and they can misunderstand instructions. One can set up more that one bot to deal with several tasks though.
  2. If a customer makes an order that is beyond the bot’s scope of knowledge, that could be a problem, especially if there is no human to interpret the order or deal with such a situation should it crop up.
  3. Some things cannot be taught. A chatbot, for instance, does not have the capability to interpret additional features of an order. It is only a human who can make adjustments if need be. It is therefore necessary to have a professional on hand to deal with issues that the bot may misunderstand.
  4. The human touch is still necessary. Most humanbeings still prefer to deal with a fellow human with whom they can engage in some small talk as they take care of their order. It is also not possible as yet to automate all services. Some things like deliveries can only be done by humans.
  5. There is the possibility of abuse from unscrupulous humans. You must have heard about how people get trolled online by others. For the longest time, it was assumed that there are a lot of humans on social media sites who have nothing better to do than start fights.

On the issue of trolls, it does seem that some humans are up to no good where others are concerned. However, it is a relief to know that such bots can be identified and furtherinteraction with them avoided. It is also good to know that one can get such reported and blocked as they tend to come up in the form of social media accounts.

Bots may be relatively new as of now, but there are developers who are working hard to make them better. Right now, the jury is out on whether they are really helpful or not. Many enterprise owners have embraced the use of bots in their businesses, especially for customer care purposes. That is definitely a sign of great things to come.


Bots are beginning to make their presence felt and not just in the social media circles. It would appear that they are most prone to abuse in those circles as people can easily make botaccounts for trolling purposes. That said, the development of bots cannot be pushed aside. It is just a matter of time before they take over all things to do with the internet. As the developers work on making better bots, you may continue to enjoy the privileges of shopping online and getting your data synchronized in record time.


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Six Ways To Win At Employee Experience



At the start of January, Forbes contributor, Denise Lee Yohn, shared this quote, followed by its definition. She wrote, “EX is the sum of everything an employee experiences throughout his or her connection to the organization”.

Employers will start to see a change from “human resources” to a fresher standpoint of HR, seen as “people operations”, in order to take full advantage of employee value. It’s all about your employee’s experience over time – from the application process to the day they leave your business.


Think about the employee involvement in four parts: value of work, culture, workplace, and technology.

What makes up the employee’s experience? First, there is value of work, and whether or not your employees find significance in the work they do. Second, there is culture, defined by the way your employees feel when they are at work and all the components that add to this – their collogues, the management, compensation and benefits, etc. Third, there is the workplace feature. Consider the physical workplace that your employees are in and how this permits them to be industrious and creative in doing their job. Lastly, there is the technology element, and giving your employees the utensils to do their job effectively. All of these components make up the employee experience that strengthens HR goals of increasing retention and decreasing the amount of employees who leave.


How can you win at the employee experience?

Here are six ways to help employers focus on building a better employee experience.

  1. Revive your onboarding procedures and processes: Make sure your employees feel welcomed on their first day and enthusiastic to start their employment voyage with your company.
  2. Embrace the idea of allowing your employees to work remotely: Technology can be utilized almost anywhere. Take advantage of the machines and devices that allow your employees to work from home or different locations.
  3. Foster an environment that is inclusive: Check in with your employees to make them feel like they’re part of the decision-making process. You want your employees to feel like they have a voice and can be heard.
  4. Start a social committee: Inspire your employees to start or join a social committee and support them with it – this is a great way to build company culture and keep them happy.
  5. Celebrate milestones: Mark your calendar with your employees’ key milestones and show that you recognize and appreciate them.
  6. Welcome feedback: Try and gather information from your employees on job satisfaction and have them identify what they love, like and dislike about the organization.

There are a number of ways to focus on employee experience. There is no better way to create a hospitable experience than by incorporating these six elements. Our advice to employers is to start by thinking about the four parts that make up the employee experience and what will be the most cost-effective and rewarding to both your workforce and to your business.

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5 Steps to Selecting Your Deck Contractor

Most people find that having a deck gives them a place to enjoy the outdoors.  Here they can entertain family and friends, or simply relax.  In order to have a deck put in you need to find a contractor that can do a good job for you.  It is important that you gather as much information as possible prior to meeting a contractor to discuss your deck.  Armed with this information you will be better able to make a good decision on your contractor.  Here are tips for hiring a fantastic deck builder:

  • This is where you begin.  Research deck builders online using such keywords as DECKS BRISBANE to see the companies that offer these services in your area. It may also be a good idea to ask your friends and family for recommendations.  Once you have reviewed several websites and have a list of 4 or 5 that you like, check out online reviews on them.
  • Create a plan. Start by knowing what you really want. This is important because as the owner, you will be guiding the planning process. Work hand in hand with the contractor to finalize as well as establish what you want done. This means doing the following:
    • Come up with a layout
    • Figure out if you need special features to be added later
    • Consider the materials you would like used to create the deck and the various finishes you are interested in.
    • Work on your budget to figure how much you can part with to make the project a success.
  • Make a comparison of deck builders. Now that you have found several deck builders in your area, and you have a concise plan, it’s time to interview the builders. As you do so, make comparisons. Find out if they are insured and licensed. Also ask them for a list of references.  Based on your plans and budget, find out how well they will be able to deliver. It is also important to ask them for written estimates.
  • Follow up. With the information gathered it is time to carry out your follow up after the interview.  This means calling up references and comparisons of what the contractors have to offer. You will also need to verify the license information given and follow up on the estimates given to ensure that what you are given is indeed reasonable. Be sure to compare price but not in isolation.  A cheaper rate may mean lower quality work.  Review pricing alongside other important factors.
  • Contract signing. Once you have identified the contractor who fits you well it is time to sign up.  The contract must be thoroughly reviewed.  Be sure to get:
    • Contractor’s license information
    • Insurance information copies
    • Ensure that the contract has an established deadline
    • Confirm that there are no costs or fees that are hidden
    • Insist on a complete pricing breakdown
    • Confirm that they are willing to take responsibility for any damage that may be accidentally caused by them on the property during this time.


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