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Cloud Computing and Its Benefits – How Cloud Service Can Offer Solutions for Your Business
by Stephanie Hutcheon
Advancements in technology are bringing new terms to the board game every year, and it can be difficult to explain the ever-evolving terms. Introducing new IT business concepts to your employees is not always easy as you have to train staff which can be time consuming. North East Cloud have provided a little lesson on cloud, highlighting the benefits and how a cloud service can help your business.
To start with the basics, cloud is an online service which allows you to access all of your data, files and programmes over the Internet, as opposed to your hard drive. This makes your life a little easier as you don’t have to carry X, Y and Z devices around to access files stored on different devices. All of your data is stored on servers connected to the Internet, and there are various forms of cloud depending on whether you’re using the service as a business or as an individual. As an individual a common example is Google Drive; from a business perspective, services such as Concept IT are a good place to start.
Aside the ease of access to all of your files, there is a high level of security and trust associated with the Concept cloud services, who are based in the North East of England with two server centres in Durham and Gateshead. So in the unlikely event that something should go wrong in one of their centres, all of your data is backed up in the other.
Generally, one cloud service is provided to a user; however, for a business, there should be a range of cloud options available so the business owner can decide which package would work best for their business needs. At North East Cloud there are a range of cloud solutions, these include:
• Public Cloud Solutions
• Private Cloud Solutions (recommended for businesses)
• Hybrid Cloud Solutions and
• Cloud App solutions.
Generally the private cloud is chosen for businesses; apart from the benefits highlighted above, private cloud allows you to run more applications than your standard Microsoft Office programmes. Further to this you’re able to employ staff from almost anywhere; the skills you’re looking for in an employee may be based in Australia! The private cloud backup service is ran twice daily so if you lose an important document, don’t worry Concept IT will be able to recover it.
To find out more about the private cloud service or any of the other services such as Office 365 or Hosted Exchange visit www.northeastcloud.co.uk for more information.
Powerful Business Tips and Advice
Do You Know the Difference Between an Investment Advisor and a Broker?
Copyright (c) 2010-2015 Tome Tomaj
As an fee-only investment advisor I come across clients from all walks of life. Lately I have noticed something in common with many of these investors. Many do not know the difference between an investment advisor and a broker who manages and/or makes securities recommendations for their clients' investment portfolios. With the almost unprecedented volatility in the securities markets, you cannot afford to dig your head in the sand when it comes to whom is managing your assets.
In short, an investment advisor has a fiduciary obligation to act in the best interest of its clients. Investment advisors are required to register either with the Securities and Exchange Commission (SEC) or the states in which they operate in and are regulated under the Investment Advisors Act of 1940. According to Rule 206 of the Investment Advisors Act of 1940, investment advisors are considered fiduciaries, and as such, owe their clients a higher fiduciary duty. What this means in layman's terms is that advisors must operate in a way that avoids conflicts of interest, puts their clients' interests ahead of their own and make a full disclosure of their fees.
On the other hand, brokers (which are registered representatives of a brokerage firm [or in industry lingo a "broker-dealer"]) are salespeople whose primary responsibility is to help clients buy and sell securities for their accounts. While there is nothing wrong with this, investors should be made fully aware that broker-dealers are subject to the Securities Exchange Act of 1934, a different regulatory rule than for investment advisors. As such, their principal obligation is to make suitable recommendations (emphasis ours) to their clients and as such, do not necessarily owe their clients a fiduciary duty.
I decided to write this piece because the differences between an investment advisor and a broker-dealer have become quite blurred over the years. Many broker dealers market themselves as offering financial advisor or investment consultant services. I think it is quite critical for the general investing public to know these differences. Many investors may have a false sense of security that their "advisor" may be continually managing and acting in the best interest of their clients, when in reality this may not be the case. In addition, be aware that just because your broker may be recommending a suitable security for you, their primary goal may not be to act in your best interest, but rather to generate a commission for their employer's brokerage arm.
About The Author:
Tome Tomaj is an investment advisor representative and a financial markets investor. He is the founder of White River Capital Management LLC, an independent registered investment advisor. White River specializes in the management of separately managed investment accounts for individuals and institutions. To find out more about his investment philosophy and sign-up for his FREE market commentaries and articles, please visit: http://www.wr-cap.com/signup.html
Read more articles written by: Tome Tomaj
Reduce Your Monthly Budget By Eliminating Duplicate Insurance Coverage
Reduce Your Monthly Budget By Eliminating Duplicate Insurance Coverage
Copyright (c) 2010-2015 Quinton Becker
There's absolutely no sense in paying for the same insurance coverage from multiple insurance companies. This is an area where a lot of consumers could eliminate some unnecessary spending from their family budget.
The two main areas to look for duplicate coverage is medical coverage and road assistance plans.
About Personal Injury Protection (PIP) Insurance
Keep in mind that some states require residents to carry Personal Injury Protection (PIP) insurance, with their automotive insurance. If your state requires PIP coverage, then this will be an item that you cannot eliminate from your automotive insurance.
PIP insurance is required in any state that utilizes "no-fault" automobile insurance laws. No-fault automotive insurance was developed in Canada in 1947, on the premise that it would result in quicker settlements of claims and that it would reduce premium costs because it lowered legal fees and court costs.
A few U.S. states began to adopt "no-fault" automotive insurance, as a result of spiraling insurance costs. Massachusetts was the first in the United States to adopt "no-fault" automotive insurance laws. Since then, the District of Columbia and 11 additional states have adopted "no-fault" insurance. Besides Massachusetts and the District of Columbia, "no-fault" states include: Florida, Kentucky, Kansas, Hawaii, Michigan, New Jersey, Minnesota, New York, Pennsylvania, Utah and North Dakota.
If you do not live in one of the "no-fault" insurance states, then you are not required to carry PIP insurance. If you have a good health, life and disability insurance policy, chances are that you already have PIP coverage with your health insurance policy. If your health insurance policy provides PIP coverage and you are carrying PIP insurance coverage on your automotive policy, then you are duplicating your PIP coverage, across two policies.
If you are duplicating your PIP insurance coverage, with your health and automotive insurance policies, and you are in a state that does not require PIP coverage, then you can save money by eliminating the duplicate coverage under your automotive insurance policy.
Avoid Duplication of Roadside Assistance Protection Plans
Another area where duplicate coverage is common is with a roadside assistance protection plan. Many drivers already have a roadside assistance plan, in conjunction with their credit card or in an automotive extended warranty package.
If you already have road assistance protection through another source, then you should definitely not purchase one through your automotive insurance carrier.
In fact, it is also recommended that you should never purchase a road assistance protection plan from your automotive insurance carrier, period!
Some insurance companies will consider a request for a tow truck, under your roadside assistance plan, to be the same as a claim against your primary auto insurance policy. In other words, the insurance company may consider a request for a tow truck, as a negative mark on your auto insurance policy, just as if you were involved in traffic accident.
Because it is so easy to find roadside assistance protection plans, from a multitude of sources, most consumer watchdog groups strongly recommend that you should purchase your roadside assistance plans from anyone, who is NOT your primary auto insurance provider.
One final possibility for overlapping coverage is if you already have GAP coverage through your credit union or other financial company. In essence, GAP coverage is a loan/lease payoff protection plan. If you already have GAP coverage through another source, then you definitely do not need the loan/lease payoff protection plan offered to you by your automotive insurance carrier.
During our current recession, consumers are on the lookout to find where they can cut unnecessary expenses from their family budgets. Duplicate insurance coverage, as described in this article, should provide a good starting point for eliminating unnecessary expenses.
But to be honest, even if we were not in the midst of a recession, you should take care not to pay for the same coverage through different insurance carriers...
About The Author:
When comparing car insurance quotes, be certain that you are always comparing apples-to-apples. When you understand what your auto insurance quote covers, you can make an educated decision about which auto insurance company is offering you the best value for your money. You can get auto insurance quotes from several local agents at: http://maxroo.com/updates/auto-insurance-quotes/ Oklahoma residents can get quotes and find insurance agent phone numbers at: http://CheapOklahomaAutoInsurance.com/ Written by Quinton Becker.
Read more articles written by: Quinton Becker
Got Water? 4 Reasons to Drink More H2O
Got Water? 4 Reasons to Drink More H2O
Answers vary, but the fact is, one in 10 Americans drinks zero cups of water per day, according to a study by Dr. Alyson Goodman, a medical epidemiologist for the Centers for Disease Control and Prevention. Zero. She suspects that those who don’t drink any water (or very little) are getting it from other sources such as food and coffee, but warns this may not be enough.
“Many health risks decrease when you drink plain water,” says Goodman.
Which is why, she says, the results are “mindboggling.”
Robert Eakle, CEO of Alkame Water, agrees. “Without water, no living thing can survive,” he says. “It affects every area of our life and is an essential part to maintaining proper health.”
However, not all waters are created equal. Enhanced waters, like Alkame Water, provide the body with more health benefits than regular water. Just take a look at how it can help:
• It balances body fluids. Your body is composed of about 60 percent water and performs vital functions such as protecting your organs and tissues, regulating your body temperature and carrying nutrients and oxygen to your cells—essentially it keeps your body running like a well-oiled machine.
• It keeps skin looking healthy. Water moisturizes your skin and functions as a protective barrier to prevent excess fluid loss (think free anti-aging cream). In addition, it can keep your skin fresh and smooth.
• It boosts the immune system. Those who guzzle water are at a lower risk of getting sick. This crystal-clear concoction helps fight against flu, cancer and other ailments—especially if your water has mild alkaline properties, such as those found in Alkame Water. Including ionized water in your daily intake can give your immune system a boost through added antioxidants, improve aerobic capacity, enhance energy levels and through a patented technology that alters the molecular structure of water, hydrate your body more fully.
• It can help control calories. While drinking water may not be a weight-loss strategy, per se, substituting it for higher-calorie or sugar-filled beverages can help by removing by products of fat, filling you up so you’re not noshing, acts as a natural appetite suppressant and raises your metabolism.
Alkame Water, Inc., is a wholly owned subsidiary of Alkame Holdings, Inc. (OTCQB: ALKM). For more information about Alkame Water and its health benefits, visit www.alkamewater.com.