How to Get a Car Loan When You Have Bad Credit Score

(Gloucestercitynews.net)(January 8, 2020)–The

credit scorecard

plays an important role in getting a loan for the car. Unfortunately, bad credit score makes the process difficult for the borrower in terms of getting a favorable loan amount, monthly payments, and average interest rates. If you have got your heart set on

purchasing the dream car, then you probably need to contact a reliable lender for receiving

auto loans

. Your lender will guarantee the best auto financing deal regardless of your credit history. Read this article for more

information on getting a car loan with bad credit portfolio.

Work On Your Existing Scorecard

It is recommended to work on your existing credit score before you decide to buy a car on a loan. Check-in advance if your credit report will allow you to get a car loan or not. The bad credit portfolio surely decreases your chances of availing loans on favorable terms and conditions. By improving the score of your credit, you can shop around to choose the lending institution that fits best with your desires. It also increases your chances of getting car loans at the lowest possible rates. You can start by evaluating all the probable items that are responsible for your bad credit profile. Clean all the liabilities by paying off your unpaid accounts, reducing the number of total debts, highlighting the positive information on your scorecard, and resolving credit report errors. The continuous improvement in your scorecard leaves a good impression on the car dealers.

Increase the Amount of Down Payment

When you get to increase the amount of down payment, it means you have automatically improved your chances to receive a car loan even with bad credit history. Higher the down payment results in lesser the number of monthly payments, shorten the terms of your loan and lower the borrowing cost. The down payment is considered as money-in-hand which can impact the decisions of car loan lenders. The auto loans lender will support you in getting a car of your dreams even with a low credit score. It tends to reduce the risks associated with the default of the debtor.

Buy a Car That You Can Afford

Have you ever heard a common saying, “the less is more?” Well, that is also true when you make your decision to apply for a loan to buy a new car. If you desire to get an expensive car, then you probably realize that you would also have to take a considerable amount of loans. Similarly, when you have a limited amount saved up as down payment, then you will again have to cover the rest of the amount by getting a loan from financial lenders. Make sure you choose a car based on your estimated budget so you can afford monthly loan payments. Also, this will allow you to negotiate the average rate of interest against an approved amount of car loan.

Put Up Collateral Option

You can benefit from the collateral option if you are in trouble because of a bad credit scorecard. The collateral option allows the financial lenders to trust you because you have the intention to pledge something of great value like your house or expensive jewelry. This technique ensures the monthly payments and the residual amount of loan in the event of default or

bankruptcy

. Be careful when pledging your valuables as collateral, because your lender will sell them in case you are not able to pay. Consider all the significant risks to avoid worse case scenarios.

Consider the Help of a Co-Signer

If you have no credit history or if you are someone with a bad credit score, then don’t you worry! You can ask your parents, friends, siblings, or even your employer to co-sign the car loan. When you are financially stable and have a definite source of income, then your people will have no problem supporting you. Similarly, lenders will be happy to close a deal with you if you are in a position to mitigate the potential risks. Be absolutely sure you can make payments on time. Otherwise, your co-signer will become responsible for your debts.

image courtesy of Pinterest

NJBIA Promotes 3 Employees to Leadership Roles

NJBIA President & CEO Michele Siekerka announced that

Michael Wallace

is the new senior vice president of Government Affairs — one of three key NJBIA staff promotions made on Tuesday.

Wallace, who joined NJBIA in 2015, handles all of NJBIA\’s advocacy efforts related to labor,

workforce development, manufacturing, and federal affairs. In his new role as senior VP, he will work closely with Chief Government Affairs Officer Chrissy Buteas on developing the legislative strategy for successfully implementing NJBIA\’s mission of creating a more competitive business environment in New Jersey so that member companies can grow and sustain their businesses.

A graduate of the University of Delaware, Wallace previously worked as a legislative aide to state Senator Fred Madden (D-4), former Camden Mayor Dana Redd and former Gov. Jon Corzine. Wallace is a resident of Sewell, Gloucester County.

Siekerka also announced two additional staff promotions:

Kate Conroy

has been promoted to vice president of Strategic Partnerships for NJBIA, and

Lisa Criscuolo

has been promoted to associate publisher of

New Jersey Business

magazine, NJBIA\’s award-winning monthly publication that reaches more than 107,000 business executives in the state.

As VP of Strategic Partnerships, Conroy is responsible for the overall management of NJBIA\’s sponsorship program, including cultivating new partners whose funding helps to support first-rate NJBIA programming and events. Additionally, she co-hosts NJBIA\’s entertaining podcast,

Other People\’s Business

, which spotlights NJBIA members and their businesses. Prior to joining NJBIA in 2015, Conroy was vice president of the Gateway Regional Chamber of Commerce, the largest business organization in the northern New Jersey-New York metropolitan region. Conroy resides in Edison in Middlesex County.

Criscuolo joined

New Jersey Business

magazine in 2003 as an account executive before being named advertising manager and then advertising director. In her new role as associate publisher of New Jersey\’s largest long-standing business publication, Criscuolo assumes additional strategic and administrative responsibilities, while continuing her managerial and sales efforts. Criscuolo resides in Roseland, Essex County.

New Year\’s Eve Ideas for Fun, Food, and Decorations

(Gloucestercitynews.net)(January 7, 2020)– is nearer than ever and marks the end of a beautiful decade. The new year is not just the start of another year, but the start of a new decade as well, where most of us will be going through life-changing events, getting married, completing degrees, having kids, while some of us may still stick to playing slot games in online

casinos and their sister sites

all day.

Celebrating this special new year\’s eve in the best way possible is essential as you\’ll be starting your new year and a new decade with nothing but high hopes and happiness. This is why today we\’ll be discussing the best New Year\’s Eve ideas for fun, food and decorations and more!

Bring Your Own Food Party

Bring Your Food is a great concept and can come in handy if you\’re hosting a New Year\’s Eve party with a moderate amount of guests. Contact the people that you\’re willing to invite to your party and ask them to bring some appetizers with them, which they can cook themselves or get from the market. Anything is appreciated, and it doesn\’t have to be something marvelous or Unique – If it\’s difficult for them to cook something, you can just ask them to get a can or two of beans or nuts!

Setting up a Champagne Bar

Probably the most essential thing when it comes to celebrating new years\’ eve is a Champagne Bar. Using pretty Glassware, tables, Bowls and jars and fill some of them with pomegranate seeds tacky citrus herbs and let your guests do their thing. Everyone loves a Champagne bar, so why not make your New Year\’s Eve party even more fun with one?

Midnight Supper

After your guests are done with the Champagne bar (If you set up any), close it and invite everyone for a midnight supper to start the year off for good. A

baked potato bar, Roasted Sweet Potato, Pear & Pomegranate Spinach Salad

Baked Mac and Cheese

are some of the best and inexpensive midnight

supper ideas which you can carry out for your New Year\’s Eve Party!

Hiring a photographer

If you\’re in it for making memories, hiring a photographer makes it nice and easy for you to get those before and after pics for your new year\’s eve, and a lot of organized and candid pictures for you to look back and see in a couple of years. If hiring a good photographer isn\’t what you want, you can ask a guest or a friend to do all the pictures, or if no one is willing to do it, you can do the photography job yourself.

Game Idea – Writing Resolutions

What\’s more fun than

playing games with your guests on a New Year\’s Eve

, and while there are plenty of game ideas out there, like board games and more, the best one that comes to the mind is asking your guests to write their new year\’s resolutions. It\’s also a fun and interactive way to make conversations with your guests and provokes an interactive session between people as well!

UCR Metrics for the City of Camden Released

(Camden City , NJ) – The Camden County Police Department finished 2019 with reductions in part one categories of violent crime. This amounts to an aggregate 3 percent drop over 2019 for violent crime accounting for 1,161 incidents. In addition, this represents a 42 percent decrease compared to 2012 UCR numbers for violent crime.

The numbers also represent a historic drop in total UCR crime – both violent and nonviolent – going back to the late 1960s. Last year, the city logged 3,305 total crimes compared to 10,724, during the first year we have on record for UCR data, 1974, representing a 69 percent reduction.

Freeholder Director Louis Cappelli Jr. talked about the improvements to the quality of life in the city and the commitment to community policing that has spearheaded much of the changes.

“This was another year of tangible progress by the men and women in the Camden County Police Department. It’s because of them that we have seen the transformation throughout the city and it’s been their commitment and dedication to the community that has bridged the divide that existed with residents,” Cappelli said. “When we started this endeavor, Camden had significant challenges. Now, we have decreased murders to a level that has not been seen since the mid-80s and reduced total crime to levels we haven’t seen since the 1960s.”

Throughout last year, several changes took place in the department from the promotion of a new chief to the adoption of a new use of force guideline that was nationally recognized. In addition, the department installed a new virtual training mechanism for de-escalation and continued a strategy grounded in the tenets of community policing, mutual respect and the preservation of life.

Mayor Frank Moran talked about the overall improvements to the city that the department has made for children and families.

“Public safety remains a priority here in Camden,” Moran said. “As elected officials, we have an obligation to make sure our community is safe. Through collaboration and thanks to the dedicated effort of the Camden County Police Department, Camden is safer than it has been in decades. As Mayor and a lifelong resident, there is a noticeable change as the quality of life has continued to improve citywide. Whether it’s reductions in crime, increased economic growth or improved educational outcomes, Camden is realizing sustained progress.”

Since the county police department was stood up more than six years ago, the city has experienced unprecedented private and public investment, more than $2.5 billion, from new corporate campuses, academic buildings and park construction. Furthermore, according to the U.S. Census Bureau the poverty rate has decreased by 14 percent since 2013, the job rate growth led the nation in 2017 and the high school dropout rate has been cut in half since 2013. Furthermore, Rutgers-Camden has ushered in its largest student body ever, unemployment is at a 30-year low and more than $53 million is being invested into the city’s infrastructure this fiscal year.

After 50 years of disinvestment and disenfranchisement, starting in 1967 with the closing of the New York Shipbuilding Corporation, Camden has been incrementally moving forward and becoming a beacon of hope and change for the region.

“This agency continues to provide the guardianship our community needs to feel safe when they go to the park or the corner store. This organization’s foundation is centered on engagement and dialogue with residents and we will be continuing that work in 2020,” Chief Joseph Wysocki said. “I want to thank our partners in the community, from the school district to civic leaders, who are working with us to make Camden a safer place. I also want to thank the officers working the beat who are the backbone of this agency.”

Cappelli also talked about the importance of partnerships with other law enforcement agencies in reducing crime in Camden.

“I would be remiss if I didn’t thank the Camden County Prosecutor’s Office, Camden County Sheriff’s Department, New Jersey State Police and all of our federal law enforcement partners for the roles they played last year,” Cappelli continued. “We are looking forward to building on 2019 and working with them to maintain and continue the progress into the new year.”

source Camden County

New Audit: Problems with Pennsylvania Voter System

HARRISBURG, PA–An audit of the state’s voter registration system uncovered “potentially bad data and sloppy record-keeping,” but stopped short of saying the results revealed any inappropriate voting.

Auditor General Eugene DePasquale’s examination of the Statewide Uniform Registry of Electors (SURE) found what he said were more than 50,000 cases with potentially inaccurate voter records. While he called the estimate conservative, the review “did not validate the thousands of cases/situations identified.”

DePasquale, who is running for Congress, noted a lack of cooperation by PennDOT and four county election offices in compiling his audit. He also said the Department of State denied his office access to potentially relevant documents.

“It is past time to improve this system,” DePasquale said.

“Some county election officials are busy replacing voting equipment ahead of next year’s presidential election,” DePasquale said. “But keeping voter registration records up-to-date is an equally important task. And as we all know, the next year’s presidential election may be one of the most historic elections and one of the most closely watched elections in not only Pennsylvania but in U.S. history. The closeness of Pennsylvania in 2016 means that every single record is important.”

The state created SURE more than 15 years ago, and the system holds the records of more than 8.5 million registered voters. The audit covered Jan. 1, 2016, through April 16 of this year.

DePasquale’s office handed down 50 recommendations he says will strengthen the Department of State’s policies and management controls. The auditor wants the Department of State to work with counties to resolve records management issues, including duplicate voter records.

Of the 50,000 cases with potentially inaccurate voter records, in 24,408 cases, the same driver’s license number was listed in more than one voter record, while 13,913 were potential duplicate cases. Furthermore, 6,876 had a possible date of birth (DOB) inaccuracy, while 2,230 had potential DOB or registration date inaccuracies and 2,991 were records of potentially deceased voters.

As part of the audit, DePasquale selected 196 voters from the more than 8.5 million registered and requested source documents to verify the accuracy of data within SURE. The team was able to test 58 records and confirmed those were accurate.

However, the team was “unable to form any conclusions as to the accuracy of the entire population of voter records maintained in SURE since we could not test 138 or 70 percent of the records we sampled due to source documentation not being made available,” they said in the audit.

DePasquale said his audit did not suggest inaccuracies in votes cast during the 2016 presidential election or that deceased voters or people living illegally in the country had voted. The Department of State did not immediately respond to an email seeking comment, but

told WESA

the findings were “flawed and misleading.”

published here with permission of The Center Square

How to Design Your Shop to Boost Sales

(Gloucestercitynews.net((January 6, 2020)–Enticing customers into your shop is a vital part of becoming a successful business. After all, you need people to buy your products for you to continue trading. Your customers can also be your biggest cheerleaders because, depending on their experience with your brand, they may well recommend you to other people they know. This, of course, means more sales for you.

However, your customers’ experience will also include what your shop is like. You might sell the exact product they’re looking for, but your store may not be a pleasant place for them to be in. That could mean a sale you lose to a competitor. So if you don’t want that to happen to you, then have a think about some of these tips on how you can boost sales by improving your premises.

Think of Your Threshold

Your threshold area

will be the first place your prospective customers go when entering your store: it will be their initial experience of what you have to offer. It’s also at this point that customers will make judgements such as how cheap or expensive your store may be, and how well coordinated items such as your displays, fixtures and colors are. Customers are also more likely to miss products, carts or signs you place here, because they’re in the transition mode from high street to store.

What Path Will They Take?

Of all the consumers in North America, 90% of them will unconsciously turn right when they enter a store. So pay attention to the ‘power wall’ — the first wall they see — as this will give a high-impact first impression of your merchandise.

Then create a clear path for your customers through your store. This is so they get maximum exposure to your products, which can increase the chances of a purchase being made. A well thought-out path can also control the flow of traffic.

Your tills should then be at a natural stopping point that you’ve purposefully designed. So if your customers turn right when they enter, then the front left may be the ideal location. However, this will depend on the size and layout of your store.

Be a Curator

Carefully editing your merchandise

is a way to escape from the number of choices available to your customers. So treating each product you have as an exhibit is a way to make your space feel more like a gallery.

Curated retail means you can have focused shopping and product relevance. Your customers are then also shown the products that are most important to them. Curation puts customers in the center of the retail process, with their preferences highlighted as being important with an uncomplicated, yet compelling shopping experience.

By using

retail design

, you can also make the experience fun. Humans crave entertainment and intrigue, so using items such as touchscreens and other retail technologies can turn your space into a playground, while also providing personalization and competing with online competitors.

People Like Pennsylvania But…..

By Steve Bittenbender |

The Center Square

The number of Americans on the move might have reached a 65-year-low in 2019, but Census Bureau data shows Pennsylvania ranked among the top states for both attracting and losing residents.

A recent report

by STORAGECafé, which bills itself as a storage rental marketplace, reports that Pennsylvania is the 10th most popular destination for people moving from another

state. In 2018, the state attracted 253,000 newcomers.

Pennsylvania attracted more residents from New Jersey than anywhere else. The site reported that 44,000 people crossed the Delaware River to make the Keystone State their new home.

Yet, the report, which uses Census Bureau data, indicates only six states lost more residents. Pennsylvania saw 240,832 move out, with 17,000 moving next door to Ohio.

Part of the reason why so many may be making those moves is due to the fact they’re inexpensive. Moving the possessions from a two-bedroom home in New Jersey to Pennsylvania cost, on average, about $2,400. That was the least expensive interstate move.

Pennsylvanians moving to Ohio paid average moving costs of about $2,500. Nearly 10,000 people moved from Pennsylvania to Delaware, at an average cost of up to $3,700 per move.

STORAGECafé worked with United Van Lines in determining the moving costs and did not factor packing or insurance.

Earlier this year, the Pew Charitable Trusts

released a study

about the migration patterns for Philadelphia, Pennsylvania’s largest city. The study noted that about 60,000 residents leave the city annually, roughly 10,000 more than it attracts.

Of those who left the region, the main reason for moving elsewhere was because of job opportunities. Pew research indicated that 44 percent moved away for work; the next highest response – moving closer to friends and family – garnered just 11 percent of respondents.

Pew said since it was the first time such a study had been conducted, it was uncertain if these issues are lingering ones within the city.

“What is clear is that there is not one overarching reason for relocating,” the Pew report states. “Most of those who left Philadelphia characterized themselves not as fleeing the city but, rather, as seeking new opportunities elsewhere.”

The Census Bureau reported that 31.4 million Americans moved in 2019. That’s the lowest total since 1954, and the percentage of Americans who moved, just 9.8 was an all-time low since the bureau began tracking residential moves in 1947.

Of those who moved, about 4.6 million moved to a new state.

published here with permission of The Center Square

Pittsburg/Scranton Market Lucrative for House Flipping

By Dave Fidlin |

The Center Square

Homebuyers snapping up residential properties and subsequently selling them in short order were able to more than double what they initially paid in two areas of Pennsylvania, according to a recent report.

Researchers with ATTOM Data Solutions, a company specializing in property and real estate records, stated home flippers in the metropolitan statistical areas within Pittsburgh and Scranton were able to sell homes at greater price points in the third quarter of 2019.

The information is included in ATTOM’s

recently released report

on home flipping trends across the U.S.

Home flippers historically have bought and quickly resold homes for a profit, typically after making a series of repairs or improvements to raise the property’s value.

Between July and September, homebuyers who flipped homes and condos in the Pittsburgh area saw overall margins of 132.6 percent, while homebuyers in the Scranton area experienced overall margins of 122.5 percent.

The high flipping yields in the Pittsburgh and Scranton areas bucked a national trend, according to ATTOM researchers, where profit margins in most areas of the country were on the downswing.

The two Pennsylvania metropolitan areas were among eight across the U.S. where home flippers experienced returns on investment of 100 percent or more during the same statistical period. Pittsburgh and Scranton also topped the list.

Other areas of the country with high yields, close behind the two Pennsylvania areas, included Flint, Mich., at 111.2 percent; Cleveland, at 109.8 percent; and Hickory-Lenoir-Morgantown, N.C., at 109.7 percent.

a separate report

from the same statistical period, ATTOM researchers also revealed the Pittsburgh area had some of the largest amounts of all-cash purchases for home flipping.

In metro areas with populations of 1 million or more, Pittsburgh ranked third for all-cash purchases, according to the report, clocking in at 77.2 percent.

The metropolitan area with the greatest preponderance of all-cash purchases was Cleveland-Elyria, Ohio, at 79.2 percent, followed by the Detroit-Warren-Dearborn MSA, at 78.9 percent.

On the whole, 56,566 single-family homes and condos were flipped across the U.S. in the third quarter of 2019, according to ATTOM’s analysis. The figure represented a 12.9 percent decrease from the previous quarter and a 6.8 percent decrease from the third quarter of 2018.

In a statement, Todd Teta, chief product officer at ATTOM Data Solutions, said the home flipping declines point to narrowing profits across many areas of the country.

“The retreat back to more normal levels of sales comes amid broader market forces that are making it harder and harder for investors to complete the kinds of deals they were getting as recently as last year,” Teta said.

In the ATTOM report, Maksim Stavinsky, co-founder and chief operating officer of Roc Capital, said homebuyers in a number of areas of the country have opted to hang on to renovated properties and rent them, rather than sell them at a loss in the current marketplace.

“We have been seeing a decline in projected and realized profits for borrowers on projects, despite the fact that borrower financing costs have been meaningfully coming down,” Stavinsky said in the report.

published here with permission of The Center Square

Nothing is going to change for women until women demand change

So…in 2020, DEMAND CHANGE. Support women running!

FOR IMMEDIATE RELEASE — CHICAGO – 1/2/2020 — Formulating New Year’s Eve resolutions for 2020?

RUN

, a new independently produced TV show, has a suggestion for the feminists in the room: support women running for office using a “squad” mentality that defends, supports and amplifies women during their run!

RUN

has already transformed the campaign of one woman, Bushra Amiwala, who won her race for school board in IL in 2019 by a narrow margin with the team’s help. The format of the show includes five female experts in campaign strategy, PR, tech, activism and comedy that empower scrappy, novice, passionate female political candidates to run. The team has already gathered an audience of 30k followers and is currently in talks with networks to land the show. The show’s trailer and info can be found at

www.runtheseries.com

“Nothing is going to change for women until women demand change as a group,” states Genevieve Thiers, producer and tech trainer of

RUN

. “We are the supermajority. But we’ve faced so many challenges for equality in our own lives that we very rarely support each other, monetarily or otherwise.” Thiers has one suggestion for reversing this thinking. “It’s 2020. Try something new. Reverse course and throw your support and voice behind as many women who share your views and are running as you possibly can.” Thiers has put her money where her mouth is on this front. A mother of twins who founded tech company

Sittercity.com

and has funded over 15 women in tech companies and supported over 50 women in politics, she is a force for women worldwide.

The RUN team has five specific suggestions for how best to help women running.

Support her with talent.

If you have an area of expertise….be it campaign, fundraising, tech, content creation, social media, field work, legal….reach out to her team right away and ask if there are gaps you can fill in the campaign office while she runs.

Support her with money.

Not all of us have to max out in donations. Even $1000 makes a huge difference to a woman running. The very best thing you can do is a home event, where you invite neighbors, friends and family and set a goal to raise x dollars for the candidate and her team.

Defend her.

If news comes out that seems suspect, in today’s era of false news it very well might be false. Women are also especially prone to attacks on their looks, their voices and any emotion they show. Use your voice on social media to call out anything blatantly unfair and urge friends to, too.

Amplify her.

In the same way, if the women you are supporting have policy changes, messaging or news that they are trying to distribute, send it across your social networks and send bulk emails. This is easy and will do wonders for her viral reach.

Zig when others Zag.

At first, your strategy of supporting women might be met with raise eyebrows, especially from boomer women, who unfortunately had it the worst when it came to competitiveness. Don’t try to talk these women over to your side. Just loudly and consistently support women and you will see it rub off fast into their own behaviors as well.

“It is so important for women to be a part of the political process” states the show’s PR expert Mary Simms, an army veteran and mother of twins based out of California. So this year, get out there this year and help women RUN.

RUN the Series

RUN is a new series produced by Ana Breton, Victoria Elena Nones and Genevieve Thiers. The show helps women running for office win via training and help from five female experts in Campaign Strategy, PR, Tech, Activism, and Comedy called “The Boss Squad.” In each episode of RUN, a different woman\’s campaign is transformed from striving to thriving. Filmed in the heart of Chicago and the surrounding suburbs, RUN’s pilot episode follows 21-year-old muslim candidate Bushra Amiwala in her race for School Board in Skokie, IL. (Spoiler alert—she wins!). The show aims to inspire, educate, and empower an audience of women and girls to get out and knock doors, become a donor, take the leap to run for political office and build squads around each other to win. See more at

www.runtheseries.com

3 Most Useful Apps You Can Use From Anywhere

(Gloucestercitynews.net)(January 3, 2020)–The advent of the internet has turned the world into an interconnected mesh of network where it is becoming more and more easier to perform daily tasks in any part of the world without needing to be physically present. With each passing year, humans are relying on their

computers and mobiles

to do most tasks for them, and we have been incorporating certain apps and software in our daily lives so that we can do important work from anywhere.

Just as communication has gotten stronger, the need to perform tasks in a timely manner has become much more vital. Sometimes a person needs some time to relax from the hectic work routine and may go for a vacation. But, work doesn’t stop for anybody, and you aren’t any special. So, to make sure that your work doesn’t get disrupted, here are 3 apps that might come in very handy for you if you don’t have access to your personal laptop.

TeamViewer

The number one app that comes in my mind to ease your job when you don’t have access to your laptop is Teamviewer. It is a free consumer app that you can use from anywhere in the world if you have an internet connection. With the help of this app, you can take control of your own laptop and do any task that you want to. You don’t have to worry about the security as the app is super secure with its

256 bit AES encryption

that is basically impossible to crack. All you have to do is install the software on the host computer and on the computer you want to control. By putting in the password that is generated in real-time, you can take control of the screen of the other computer.

SodaPDF

If one thing has revolutionized how we conduct business, PDF has rightly earned its name. It is the one true king when it comes to filing formats, and you are going to need an app or software to view your business documents or memos. With the help of

SodaPDF

, which can be used online from a web browser, you can easily view, edit, annotate, sign, and manage your PDF files from anywhere in the world. You can also download the desktop app for free and conduct your business in your free time.

Google Assistant

With the help of google assistant, you can easily transcribe your thoughts and get answers to your questions. When you are out of a vacation, or you are stuck between lots of work, this app is a blessing for you as you can easily schedule meetings, send messages, make calls, and even make reservations without even touching your mobile. With its voice recognition feature, you can simply tap on the app and ask it to perform a task you want to. You can also queue up your tasks and get the latest news related to your industry by simply asking the assistant a question.

image source courtesy of unsplash.com