For any of you who know anything about Uber, you will know that it is a mobile application that has absolutely revolutionized the taxi business by putting the power and speed of finding a taxi into the hands of the average consumer.

Now, we believe for a number of reasons that the mortgage application process is about to have its own Uber moment by speeding up the mortgage process exponentially.

Reason One: Mortgage Calculators are Readily Available

Truly, the number of easy-use mortgage calculators on the Internet has grown in an incredible fashion over the past three years. Take Yorkshire Bank’s Mortgage Calculator for example–it quickly educates a homebuyer about the amount of house that they can afford, what they would have to pay back each month, and how long it would take to service the mortgage. This absolutely revolutionizes the education process of everyone attempting to get a mortgage, and this is just one basic example of the thousands of phenomenal software out there that can now help with mortgage value calculations for consumers.

Reason Two: Rocket Mortgage is Changing the Landscape

For those who don’t already know, Intuit (the same company that made QuickBooks and Mint Personal Finance) has recently released a new mortgage application mobile app that allows individuals to find and obtain a great mortgage after just a few button clicks. The name of this application is Rocket Mortgage, and it drastically speeds up the mortgage application process.

Reason Three: Technology is Fixing Basic Economic problems

For those of you who remember the housing crash of ’07-08 in the United States that killed the American stock market and reverberated around the world financial markets, you will know that the problem began with banks providing loans to sub-prime borrowers. In reality, this is a practice that has occurred in many countries to the detriment of the entire global economy.

Now, not only does Consumer Reports argue that Rocket mortgage has increased the mortgage application process, just as Uber increased the “find-a-taxi” process, but Forbes also argues that the entire Internet, tech-age will improve the processing of electronic mortgage application documents in all new ways as other online mortgage providers flood the marketplace.

Furthermore, this writer would argue that, by allowing the entire mortgage process to be carried out online, this will greatly eliminate systemic economic risk that occurs by allowing people (who have compassion) to provide sub-prime borrowers with mortgage loans simply because they feel for the borrowers’ situation. Since a computer only sees numbers and figures, we will no longer need to fear whether or not a sub-prime borrower is being given a loan they can’t balance because of a human error.

Take no doubt, the mortgage market is absolutely undergoing its own Uber moment even as we speak.

Paper usage for conversations are now extinct due to the advent of smartphones. As reported by Salary, 37 percent of the employees’ time is spent in meetings. Most feel that text-based conversations can save time on meetings but that is not the case. Mobile devices are extensively used for texting to save some time, but they lack a degree of personalization. It is one of the reasons why video conferencing is gaining immense popularity in the IT sector.

Impersonal Communication is Ineffective

One of the core purposes of talking to other people is to solve issues and build a relationship in the IT world. If the conversation is impersonal, it lacks effectiveness. You can’t build a great relationship without having any eye contact. According to an article in Psychology Today, almost 55 percent of the discussion is nonverbal. You can build better relationships when people observe emotions and understand the nuances of conversing with other people. If you want to foster productivity, establish better teams, and increase collaboration, then there is no better tool than web chats.

It Allows for Flexibility

Online conferencing for IT like Blue Jeans allows face-to-face interaction with clear visibility and offers more flexibility to interact with people. Observing with a sharp eye makes all the difference in understanding your people. You have to be dynamic and interactive to be effective. Many people would like to ask questions and expect answers relevant to their issues. Written words can lack the same dynamism. Video discussions can help people interact well as well as satisfy their curiosity and doubts. A study with thousands of communicators highlighted the importance of audio-visual means of chatting as shown on the Study website. It shows how moving visuals could make it easier for you to get your message across, as it can increase their engagement and improve feedback considerably.

Visual collaboration also helps companies promote innovation by fostering team communication. Interactive audiovisual means can be utilized to address issues in a small group or large audience. It is found that 90 percent of businesses actively focus on increasing collaboration among personnel with 67 percent focusing on improving their productivity, according to Global Employee Engagement Trends for 2015. Better collaboration brings about synergy, which can expedite the business’s growth exponentially.

According to research by Speechly Bircham and King’s College, 62 percent of the organizations surveyed felt that employee engagement is their top HR priority. Engaged personnel have strong emotional attachment to the company. Increased engagement improves productivity, collaboration, retention, and reduces absenteeism.

 

As recorded by CMO Council, it was found that 87 percent of the young executives preferred to work with companies that invested in online multimedia systems to facilitate discussions, while 89 percent felt that video would improve the internal processes of the company in medium and large sized corporations.

Five Ways to Utilize Video for Effective Communication

  • Welcome New Members. The CEO of a company can make onboarding of staff more engaging by delivering a personal message to the new members, which will make the recruits feel more enthused, proud, and be more committed to their job.
  • Build Better Relationships. A company can plan a celebration for specific personnel on special occasions like birthdays and work anniversaries by wishing them well through the internet. When you greet them on their special occasions, they will feel more connected and involved.
  • Inform. You can use this technology to keep all the staff and teams within a particular project or across the entire company updated on relevant news and business progress. Sharing your company’s achievements and their results along with its vision can keep your people motivated. It will give them the direction and energy needed to contribute to the results.
  • Motivate. Companies should take the time to recognize individuals for their achievements and give them the drive they require by celebrating their success and rewarding them promptly. When a CEO or someone at the top congratulates them directly, they will feel much more motivated to work hard to deliver results.
  • Training. Last but not the least, IT companies can train their staff and provide necessary education to face the market successfully. Continuous professional improvement is required to stay up to date with fast changes in technology and ways to deal with it in the marketplace. If they are busy working, they may not have the time to keep them updated. It is the reason companies should use these networks to brief them about the latest advancements and train them in a better way to approach the market in a successful manner.

Online video platforms can be utilized to improve internal discussions apart from external connectivity. The changes that simple interventions of conferencing technology bring about to the company’s performance can be phenomenal. Companies should embrace this technology for the best results. It is revolutionizing the way companies do business, and you should not miss this opportunity to exploit its benefits.

 

Every year in the UK, thousands of families are broken up by divorce or separation. More often than not, the couple get caught up in the emotional maelstrom that results from the split, and things get ugly real fast. Unfortunately the victims of the worst of what transpires are usually the children.

Sometimes when people are divorcing, they become quite petty and mean. They may even become a little crazy, and lose that part of themselves that makes sensible decisions. In such cases, they could resort to nasty tactics to try to deny their former spouse any access to the children, and that can even include lying to the children about their former spouse. In the very worst cases, they may even encourage their children to tell lies, and to make false accusations against their spouse. It sounds very extreme, but it does happen, and far too often.

This is extremely unfair to the children involved, and of course it is also unfair to the spouse. If you think about it, what sane person would instruct a child to lie? Is that the kind of example you should be setting as a parent? “We always have to tell the truth, except when there’s a chance to hurt daddy?”

It’s quite easy to see what’s wrong with that kind of scenario. Fortunately if you are faced with a problem like that, there is an easy solution. What you need to do is get in touch with Family Law solicitors for advice.

Such lawyers have specialist training in family law, and they can help you get to the truth of a matter. When you go to the Family Law Court, if you have chosen to represent yourself, the only thing you’ll have the power to do is refute any claims made against you, and that is what you’re expected to do anyway, so in that situation it will come down to who the judge feels is more credible. If there is even the smallest amount of evidence to support the claims against you, you can expect that it’s unlikely the situation will go well for you.

The difference that having a lawyer from the Solicitor Guru makes is huge. Your lawyer is able to challenge the claims somebody makes directly. They can ask questions of the accuser and if the accuser is lying, that will usually be revealed. Of course it depends on the skill of the lawyer and the questions they ask, plus perhaps the acting abilities and degree of sociopathy of the person being questioned. Simply having a lawyer doesn’t guarantee victory, but it does ensure you won’t be at any unfair disadvantage.

Courts are supposed to be completely fair and unbiased. Unfortunately the situation now is that courts are over-stretched and there simply isn’t time to try all cases completely on their merits, no matter how well-intentioned the judges are. It often becomes the case that the simplest verdict is the one that is reached. Having a lawyer will go a long way towards solving that problem, so that you at least get a fair hearing.

In this day and age, living from cheque to cheque can be a dangerous prospect. Factors such as an uncertain economy, inflation and mounting expenses can all dictate that once-liquid finances may very well be subject to a great deal of strain. Personal wealth growth is nonetheless a reality when referring to the opportunities that await within the world of currency trading. The Forex markets are now exceedingly popular due to the fact that anyone can access this realm through modern online trading systems. How can personal wealth be grown through such an approach?

The Non-Stop Nature of the Currency Markets

Indices such as the FTSE, the Dow Jones and the NASDAQ are only open for a certain amount of time each day. This can prove problematic for those in different geographic locations. For example, traders in the United Kingdom have to grapple with a six-hour time difference between London and New York. This is not the case in regards to the currency markets. There is always an index open somewhere in the world. Thus, positions can be opened or closed when it is the most convenient (and sensible) for the investor.

Sensible Margin Trades

Margin trading has developed somewhat of a dubious reputation during the past few years. This is primarily cause by investors who were unaware of the risks involved. When greed supersedes logic, losses inevitably occur. CMC Markets offers healthy margins and yet, these should only be utilised when an understanding of their mechanics has taken place. Prudent margin trading can offer incredible returns while the exact opposite is true for those who are risk takers.

Modern Technology

There is no reason not to use the tools at one’s disposal. CMC Markets currently boasts more than 80 technical indicators within their trading architecture. These include:

  • Price projections.
  • Technical analyses.
  • Mobile capabilities.
  • Price histories.
  • Chart intervals.

All of these instruments will provide the clarity necessary to make informed choices. Why not exploit what they have to offer?

Emotionless Trading

Perhaps the biggest downfall of the would-be successful Forex trader is that greed and fear overtake logic and sensibility. Trades should always be enacted with an objective sense of pragmatism in mind. While there is no doubt that a winning position will cause excitement, this emotion should never supersede logical decision-making strategies. What goes up and can will come back down. “Letting it ride” can therefore be a dangerous prospect. In the same respect, completely pulling out because of one poorly performing position can just as easily limit the ability to accrue a profit.

Whether short-term goals are the main objective or the trader wishes to build a sustainable income to be used during an upcoming retirement, the Forex markets offer a wealth of opportunities. It is nonetheless a fact that these strategies need to be adopted in order to maximise the potential of walking away a winner. As always, CMC Markets is here to help.

Whether you’ve just moved to Colorado for all its mountainous beauty, or you’ve lived here your entire life, there is one thing you have to be aware of when it comes to actually shopping for car insurance. A simple search for auto insurance in Colorado may yield significant search results, but you need to have a little bit more information to know what factors affect your rates. Take a look at a few of these vehicle modifications and see just what you could be doing (or avoiding) to get better rates.

Racing Stripes and Equipment

Any sort of decals, racing stripes, numbers, or even logos on your vehicle do one simple thing which is draw attention to the vehicle. Any time your vehicle stands out, it could potentially be the target for auto vandalism or theft. After all, if there are a handful of cars in a given area and one sticks out like a sore thumb due to a flashy body or vibrant paint job, guess which one is probably going to get targeted for a break-in or senseless act of vandalism? You may think you want your car to stick out for its beauty or edginess, but be careful what you wish for.

Tinted Windows and Street Modifications

Another thing that people try to do is to put in special modifications such as tinted windows. While this is a great way to have some privacy and make yourself look a little bit more like a celebrity, there are certain people – namely, the police – who will wonder what it is you are trying to hide, and can even give you a ticket if your tint grade is too dark.

Chains on Wheels

Tire chains are a big item that people will drive with when the roads are bad. They are supposed to increase safety and that is technically true, but they also act as a false piece of confidence. People who have chains on might be more tempted to drive when it is bad out. They could also have situations where the chain could snap causing significant damage to occur to the vehicle and any cars in the vicinity. While chains do present a practical solution to the snow and ice, it’s important to drive as cautious as you would without them. One safety feature in place doesn’t mean you can drive recklessly.

Lifted Body (Jeeps and Trucks)

Putting a lift on your truck or jeep is actually quite dangerous. The center of gravity for any given vehicle is already somewhat high up when you consider the weight of the people inside of the car and the possible equipment or items being hauled in addition to the whole body of the vehicle itself. Now if you continue to raise that body up with a lift, you’re actually taking the center of gravity and increasing its height. If you increase the center of gravity you’re actually increasing the potential roll rate of the vehicle. From an underwriting point of view, this is simply a dangerous modification, and you will pay more – if you are even allowed to do it according to the policy in the first place.

When you consider all of the potential vehicle modifications, the options are almost endless. However, just because you have a car and the liberty to spice it up, doesn’t mean you won’t face financial consequences in the form of your auto insurance. Weigh your options ahead of time and consider what modifications to your automobile are worth the potential modifications to your wallet.

CFDs are derivatives products through which you are able to trade on the movements of the live market price and you do not need to own the underlying instrument on which the contract is based. Regardless of the fact that the markets are rising or falling you can speculate on the future movement of the market prices. CFDs are contracts and they are made between the buyer and seller of the CFDs to exchange the differences in the prices of the assets when the contract was opened and closed.

What are and how to trade CFD

CFDs are leverage instruments and you can benefit from the volatility of the various financial markets without actually owning the assets based on them. You gain access to the markets which you never had with a single trading account. In the next section we will discuss how to trade CFD effectively with XFR Financial Ltd or XTrade with an example.

Let us see how to trade CFD with an example.

You think that the share of an Airlines company will rise in the coming weeks as there is some positive news from the company. You decide to buy 1000 CFDs of that Airlines Company. The quoted price of the Airlines is 10.30 at the time of opening the CFD contract through your account at XFR Financial Ltd or XTrade.

The value to total position at the opening of trade is 10300. With the margin requirement of 10 percent, you deposit 1030 only.

After three days you see that the price actually rises and you decide to close the contract and take the profit. The price has gone to 14.00 and the value of total position now goes to 14000.

So, the profit here is 14000-10300 = 3700. There may be some commissions involved too with your broker. Here you see that by depositing only 1030 as margin you are able to gain 3700 which gives you a profit which is more than 2.5 times the initial deposit you did. Thus trading CFDs with margin is profitable if the trade goes to the right direction.

How to start trading CFD with XFR Financial (XTrade)?

The best way to trade CFDs is to start trading them online. Let us understand how to trade CFD online. It is easy and all you need is to find out a good CFD broker like XTrade or XFR Financial Ltdwho can provide good CFD services to you. Check the reputation and reliability of the broker like XFR Financial Ltd or XTrade with whom you want to start trading CFDs. Register a CFD trading account with the online CFD broker to get the account credentials. The online broker provides a trading platform for online traders where you can perform all the CFD trading and also perform the analysis activities. This is how to trade CFD online with an online broker.

Health insurance is expensive and does not fit into every family’s budget. While it is important and almost necessary to have, the income that a family has to work with does not always leave enough left to afford the large cost. Without insurance, it may seem like it will be impossible to get the care that you need in an emergency, but there are quite a few options. A few of them are touched on here to give you a starting point.

Filling Prescriptions

When prescriptions are written, ask the doctor to view the Walmart $4 prescription list. If medications are not available on that list that you require, still take the prescription and get a price from several pharmacies. Work with the pharmacy that has the lowest price.

It is a good idea to register for a free prescription savings card. Most pharmacies accept them and they can help save money on pricey prescription medications. You can also inquire with your local community services to see if there are assistance programs to help pay for medications as some do offer them.

Handling the Aftercare

Your emergency situation may require aftercare. You may not have the funds to pay for aftercare. In this situation, contact the providers given by hospital staff and inquire with them to see about financial assistance programs for uninsured patients. If none offer assistance, contact the hospital and ask to speak to someone in patient relations. This department can help you find a provider that can help or a service that can offer financial assistance for your care.

Taking Care of the Bill

All hospitals offer discounted services for uninsured patients. The amount of your discount solely depends on your income. Once you are approved for a financial assistance discount, work with the hospital’s billing department to establish a payment plan. Even if the amount you can send per month is $5 or $10, they will accept it as they understand that this is all you really can afford.

Dental Emergencies

In the event that you suffer a dental emergency, contact an emergency dentist for their fee. If it is not in your budget, visit an emergency room to at least assist in managing the pain. Dental insurance is affordable, even independently if you are not employed. It is a good idea to approach your employer about open enrollment for dental insurance and see if you are able to afford it. There are even dental insurance plans that offer no waiting period.

Dental College Dentistry Programs

Most areas with dental colleges offer limited discounted services. Major dental procedures such as root canals, are typically not offered. The cost of services provided by a supervised dental student are minimal and often fit into the smallest of budgets.

Conclusion

Health emergencies often happen at the most inconvenient times. They can cause financial difficulty. The one benefit for those without insurance is that there are special programs offered by nearly every type of medical service specifically for those that cannot afford the cost of insurance. Some of the fees may be a bit more than others, but it is best to shop around first.