Virtual phone systems are everywhere, replacing the old model of the home cellular device. These products have made the communication between workers more improved, allowing employees to take meetings from miles away. With the existence of COVID-19, more and more people are working from home. Therefore, this application is a necessary part of life.

In addition to connecting people from different places, virtual phone numbers have given businesses the ability to have custom contact details to shift calls between the mobile and the laptop. There are various kinds of applications such as Google Voice, Skype, WhatsApp, and Viber, each with its own different features. In this article, we will be giving you the 101 on what virtual phone systems are all about and their benefits.

What are virtual phone systems?

A virtual phone system is an application that does all the normal operations of a typical phone system, alongside some additional features which are all mixed in on the same software. This software offers the ability to use the device from anywhere, just making sure you have an internet connection. The benefits that come with this program include the ability to do text messaging, customised virtual phone numbers, and voice mail transcription. This is all used with the help of the Voice over Internet Protocol (VoIP) which works to let you map out the outgoing calls coming in and the calls going out. This makes it perfect for businesses that require to do meetings outside of work and as well as the need to keep a record of the trends between phone calls. With the help of this platform, your communication experience will improve with more people able to talk to one another from far away with so much ease.

What is so amazing about virtual phone systems?

Virtual phone numbers are highly important because of their ability to connect people from different places. All you need is an internet connection, and voila! There is no limit to places where you can go with the help of these applications. You will never have to use any wiring with assistance from this incredible software. Gone are the days of the desk! You won’t have to work in the office anymore as you can work from virtually anywhere. This system heavily improves the communication capabilities between employees, talking to workers from different departments. This is good to enhance productivity and the ability to work with other employees. With these wonderful capabilities, it can transform analogue audio into much more high-quality sound.

In summary

Virtual phone systems are the best avenues for modern communication. There are so many benefits to this software, such as the fact that they are able to allow you to talk from anywhere just with the help of the internet. This application is highly important for workers these days are working from home and meeting from different places. You won’t need tin cans anymore with these incredible devices in your toolkit.

If you’ve been thinking of buying a home, real estate developer Andrew Shader explains that you shouldn’t wait to make your move. Whether you’ll be a first-time homeowner or you’re considering selling your current home and making a new purchase, the decision to move on from your current housing situation brings a lot of opportunities.

It can be easy to get caught in the trap of the waiting game, thinking that holding out for market conditions to improve will open up better deals for you. However, that may not be the best approach.

One of many decisions you’ll need to make during your house-buying journey will be exactly when to make your purchase. To decide whether you should buy now or wait, there are two crucial questions you need to answer thoroughly to make a solid, educated decision:

• What will house values be like in 2022?
• By the end of 2022, what will mortgage rates be?

Predictions are never guaranteed, of course. However, you can (and should) do your due diligence and really dig into how the real estate market is shaping up for the upcoming year to help you decide when to buy.

What Will the House Values Be Like in 2022?

Overall, the value of homes has been increasing steadily. There are three main housing industry entities that predict that housing value appreciation will continue through 2022.

Freddie Mac projects that home values will increase 5.3%, while Mortgage Bankers Association predicts an increase of 8.4%, and Fannie Mae projects an increase of 5.1%. Together, the average appreciation rate is 6.27%.

This means that a home that sells for $250,000 today could be valued at $265,675 by the end of 2022. If you wait another year to buy a home, and appreciation does continue to increase (and it very likely will), you’ll pay an extra $15,675 for the house in this example.

By the End of 2022, What Will Mortgage Rates Be?

The historic lows that 30-year mortgage rates are currently hovering at will not last. As the economy continues to recover, Andrew Shader, along with many other experts, believes that mortgage rates will rise.

The three main housing industry entities (Freddie Mac, Mortgage Bankers Association, and Fannie Mae) predict that mortgage interest rates will rise to 3.8%, 4.2%, and 3.2%, respectively.

The average of those three percentages is 3.7%, which is almost a full percentage point higher than current averages. That 1% increase means an increase of tens of thousands of dollars that you’ll pay over the life of your loan.

The time to buy is now, not only because of rising interest rates and home values. If you wait, you might just miss out on a full year of building equity in the home, too.

Who is Andrew Shader?

Andrew Shader is an entrepreneur and a successful real estate developer and investor in Fort Lauderdale, Florida. He got his Business Management and Marketing degree from Florida State University. After spending years in the insurance industry, Mr. Shader decided to shift his focus to real estate. Andrew specializes in value-added properties and boosting property value through investment.

You’ve been eyeballing a business for a while, and now you are finally ready to buy. That’s great news! However, before purchasing, you should get the company appraised first. In this article, Mike Eisenga – a successful business and real estate investor – explains why you need to appraise the business you are buying.

Mike Eisenga, an accomplished entrepreneur with a background in banking and finance, says that there are multiple benefits of a business appraisal. Below, he explains how appraisers determine a business’s value and how potential buyers can negotiate a deal using what they learned through an appraisal.

What is a business appraisal?

The definition for a business appraisal is an economic analysis or professional engagement directed by an appraiser to determine what a business is worth. The appraiser is essentially the professional who assesses the value of the business being sold to generate a sale price that is fair. Someone who specifically appraises business properties should be an expert in pricing tangible and intangible property to establish a business’s value.

What is the process of a business appraisal?

There is more than one way an appraiser can value a business. Estimates might be determined based on the fair market value method, a liquidation value, a capitalization of earnings valuation, or another type of valuation method.

The fair market value method includes in its value vehicles, equipment, furniture and fixtures, and assets that are intangible. The price a property would sale for on the open market to a willing buyer from a willing seller is what is considered a fair market value.

A liquidation value is deemed the most extreme valuation due to the nature of a business owner only getting a minimum value return while addressing a halted business and quick sell of all assets.

A capitalization of earnings valuation has the future in mind when finding a business’s value. This valuation bases the present value of a company on projected earnings or cash flows for the future.

What are the benefits of an appraisal?

Obtaining a business appraisal will pay back in more ways than one. For anyone who is about to own a business, it is critical to understand company assets better or determine the value of the business through a business appraisal.

By revealing an accurate business valuation assessment, a buyer can factor in proper insurance coverage along with a more precise number on how much the buyer should reinvest back into the business once obtained. A business appraisal can also show today’s resell value of the company and the company’s true value. Buyers should pay attention to the company’s income and growth rate over the past five years. Buying a business to continue it under new management means being smart about what business you buy, and seeing steady, consistent growth over past years is a promising sign.

Potential buyers can also gain insight from a business appraisal that will benefit them while negotiating a deal with the seller. A buyer can see what kind of value they are dealing with and use that to determine an all-in price.

About Mike Eisenga

Mike Eisenga is a successful commercial real estate investor with a banking and finance background and is the former mayor of the City of Columbus. As a President of both American Lending Solutions, a mortgage lending company (he founded and operated from 2000 to 2018), and First American Properties, he has a track record of creating and operating successful businesses. Mr. Eisenga is also devoted to property development and construction, primarily serving smaller local communities. Especially in the senior housing sector.

Digital marketing has become a powerful aspect of any business’s overall marketing and branding plan. New trends in digital marketing pop up every day, says Julian Narchet, a marketing and mass communications professional.

Some of these trends are sure to stay around, while others are bound to be fads that fade away quickly. Below are three digital marketing trends that will be relevant in 2023 and beyond.

1. Catering SEO to Voice Search

People are using smart home devices such as Google Assistant, Alexa, and Siri at an increasing rate to not just play music or answer questions but to power their homes and perform everyday tasks.

These devices are not only here to stay; they’re likely to attract more and more users in the future as they become cheaper and integrate with various aspects of people’s lives.

Today, people commonly use these digital assistants to perform internet searches for them. Savvy companies understand this and cater their SEO to how people search via voice.

When people pick up a phone or sit down at a computer to search the internet, they type search phrases differently than they speak them to digital assistants.

If you’re searching for the closest pizza shop to your home, you might type a phrase like “pizza shop near me” or “pizza shop Miami.” If you’re asking your digital assistant to search for you, you’ll likely say, “Alexa, where is the closest pizza shop to me?”

When businesses produce content on their websites and social media pages and optimize them for SEO, they do so with these different search phrases in mind.

2. More Engaging Messaging

Businesses are using AI and automation at an increasing frequency to help them streamline decisions, optimize processes, and make marketing more effective and efficient.

At the same time, consumers today desire marketing that is more personal and more conversational. Brands can integrate targeted messaging by using AI automation so they can engage with consumers while they’re visiting your website, for example.

This can be done through intelligent chatbots fueled by machine learning and natural language processing (NLP). This makes the process more “human-like” and allows consumers to have a real-time conversation with a business as they’re considering making a purchase.

3. Interactive Content Leads to Data Collection

Building on the last point, consumers today desire to be a part of the process when they’re online. They like to interact with brands, and brands are responding by providing more interactive content.

Julian Narchet says there are innumerable ways businesses can integrate interactivity to improve the user experience and collect a massive amount of data points simultaneously.

Real estate agents, for instance, can add monthly payment calculators to their websites so prospective home buyers can better understand how much of a home they might be able to afford.

Other examples of interactive content include contests, surveys, polls, games, quizzes, and assessments.

About Julian Narchet

Julian Narchet is a marketing and mass communications professional, and a Communications Manager at the University of Miami. He has extensive experience in market research, academic research, research administration, social media, and public relations. He is passionate about making a difference in the lives of others through cooperation with non-profits and healthcare organizations.

Your phone is more than just an object. It’s an extension of yourself. You use it to check the time, call your friends, check in with work, browse the web for crucial information, and maybe play a few video games here and there. All in all, it’s a pretty important part of your life.

So, how do you protect it and make it reflect your style?

We’re going to help you figure that out with this quick guide to choosing the perfect phone case.

1: Buy A Case Specifically for Your Phone Model

First, make sure any case you buy is made specifically for your phone. Your phone might fit inside of the wrong case, but that doesn’t mean it will work. Every phone has its camera in a different location, crucial buttons for volume control, power, and other functions are in different spots, etc. The wrong case is likely to cover up your camera or buttons even if it fits around the outside of the phone.

2: Go for Protection

Don’t just buy a phone case because it’s cheap or looks pretty. The entire point is that it will protect your phone if you drop it or spill something on it. Make sure the case you buy is made from a durable, thick, material. Some case manufacturers will cut corners and make cases that are thin, flimsy, and downright easy to break. If you go for an option like that, dropping the phone from a reasonable distance can break the case faster than it would the phone.

ABS plastic with rubberized protection in the most vulnerable spots is usually going to provide the best balance between aesthetic appeal, protection, and cost. Most phone cases in this category don’t cost more than $20 bucks, and they’re extremely reliable for the price.

3: Get a Personalized Option

Like we said, your phone is an extension of you. Shouldn’t it reflect your unique personality and style? We think so.

Sure, you can browse several online stores to find a design that is almost perfect for you, but why do that when you can get something custom-made to 100% to reflect your personality?

With personalized phone cases, you can do that. You can pick base colors, graphics, and even come up with your signature saying or inspirational quote to put over your customized backdrop; all without sacrificing protection or quality.

A personalized phone case doesn’t just make your phone look good. It reflects the deep connection you have with your phone, and it makes your unique personality shine without you ever having to say a word. If you’re going to buy a new phone case, it’s worth spending a few extra bucks for one that you’ll want to keep on your phone until the day you finally upgrade it.

Where to Buy Your New Phone Case

As you can see, you need three things from your phone case:

• Protection
• Proper fitting
• A personal touch

Some sellers offer a couple of these features, but you rarely get all three in one phone case. That is until you shop at Expressiffy. Expressiffy will provide you with a fully custom phone case that offers unmatched protection, the perfect shape for your phone, and the personal touch that will make you stand out. Shop at Expressiffy, today!

There can often be a lot of drama that can pop up when people are looking to propose to the person of their dreams. They will have to figure out how they are going to do it and where, they will have to ask the person’s parents for their blessing, they will have to decide what they are going to say, and they will have to choose what they are going to propose with. As this is the kind of moment that people might only experience once in their life, it is important that they are able to get it right.

But this can sometimes be a tricky task and will take a bit of time, effort, and manoeuvring. But when people are willing to put in effort, the chances are that they will get the moment to as close as right as they possibly can. To best help those who are looking to create the right kind of drama around their purchase, this article will dive into how you are able to go about finding diamond rings in Melbourne that sparkle like no other.

You are able to go about finding diamond rings that sparkle like no other by doing some research surrounding which brands are the best to invest in

You are able to go about finding diamond rings in Melbourne that sparkle like no other by doing some research surrounding which brands are the best to invest in. There are so many different brands and companies to choose from when it comes to making this kind of purchase which can make things slightly overwhelming for people. As this can be the case, it can be a good idea for people to try to make the task as simple as it can possible be for themselves.

And one of the ways that people can make it as simple for themselves as possible is by looking into what the best brands are to purchase. And people can do this by searching on the internet or they can chat with professionals who work in this kind of area. Or, people can chat with those who have already have made this kind of purchase and who may have some feedback for people.

You are able to go about finding diamond rings that sparkle like no other by making sure that you find the right cut

You are able to go about finding diamond rings in Melbourne that sparkle like no other by making sure that you find the right cut. As well as making sure that people are selecting the right brand, it can also be a good idea for people to make sure that they are choosing the right cut. This is because there can be a huge difference in how a stone will look depending on the cut.

Upon research people will likely find that round options have the most sparkle, however, an oval cut can also achieve that shine and glow that people are really looking for. Having said this, there are lots of other different styles and cuts to choose from ranging from a princess cut to a radiant cut to a cushion cut. And this is why it can be a good idea for people who are new to this subject to simply find professional support and they will be able to ask relevant questions so that they can figure out what the best option is for the person who is proposing and for the one receiving.