Category Archives: Technology

Is Healthcare Being Uberized?

It is often said that world does not change. It depends what and how you are looking at the world. I venture to say, that we are engulfed in changes that are overwhelming us.

For example, whoever thought Uber will take over local taxicab business all over the world. It happened. This is thanks to ongoing revolution by internet accessibility.

Video chatting, text messaging, or using your mobile app of choice have become part of our day-to-day lexicon for communicating with friends and family in the 21st century. It is also expanding in the areas of our business activity including health.

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While politicians have been fighting for making health care affordable, the medical industry has taken initiatives to reduce healthcare cost by making their services available on line. All you need is computer with internet connection or smartphone.

Even American Medical Association has backed online health services. AMA notes that 70% of doctor visits can be handled by telephone or online connection (visits). Now doctors are offering their services via online systems. You will be shocked how little it will cost you.

The system is so simple and has three basic steps.

  • You connect via toll-free number or log on to your portal to schedule a physician
  • Caretaker will update health information and go over symptoms
  • Physician consults with you and offers treatment.

Not bad considering that with traditional methods, you had to make an appointment and lucky if you can get appointment within a week.

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It is true indeed that at present the telemedicine concept does not replace current health system totally. However it is designed to use when

  • When you need care now
  • When you need second medical opinion
  • When you need medical guidance or medical questions answered
  • when you need urgent care for non-emergency use
  • When you need short-term prescription refills

The concern is at forefront when it comes to psychotherapy. Will telemedicine be appropriate for treatment for issues such as depression? Will medical counselors be able to hold their sessions with their patients over the web? If so, is it a legitimate way to diagnose and treat depression?

Proponents believe that it’s just as effective as traditional psychotherapy, if not more so. By offering patients a familiar, accessible way to connect with their therapist, online therapists can help ease them into counseling and get them to open up, particularly if they are reluctant to seek traditional mental health treatment.

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Many therapists believe it aids them in better pinpointing, identifying, and treating certain depressive symptoms.Bringing therapy into the Skype and Snapchat age may also be a boon for people in rural or isolated areas far from a therapist’s office. Rather than abandon therapy, they can take advantage of a remote alternative: Just log in and the doctor is in.

Meanwhile skeptics consider online therapy is not appropriate for all conditions and all patients – particularly those who are suicidal. According to them, online psychotherapy is dangerous, especially for depression, which sometimes results in suicide. It is believed that therapy works because of the one-on-one relationship that the patient develops with a compassionate, knowledgeable therapist. It is the human interaction that is the key, not a human-to-‘Siri’ type relationship.

It is to be understood that online medicine is not intended to replace a traditional health system. Online medical system is likely to work best as a supplement or temporary replacement to live therapy. It may also particularly be well suited for use as a preliminary diagnostic tool to help determine if a patient needs serious treatment or not.

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It is too early to say if health care is being uberized, but telemedicine offers hope in reduction in healthcare costs.

Needle-Free Insulin For Diabetics

Diabetics are elated to note that scientists are developing inhalable insulin to keep their blood glucose in check.  Type 2 diabetics can often manage their blood sugar with diet, weight management, and other healthy lifestyle habits, but Type 1 diabetes have had no choice but to use injectable insulin.

The new drug, manufactured by MannKind Corp., Afreeza, small device resembling an asthma inhaler, will enable diabetics to avoid painful needle sticks and insulin injections.  The new drug works by binding to an inert powder, which is then inhaled and absorbed through the lungs.

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Whether it’s replacing the insulin that a Type 1 diabetic’s body isn’t producing or keeping glucose levels of a Type 2 diabetic in the desired range, insulin therapy plays a vital role in the management of this disease.

Insulin is a natural hormone that regulates sugar within the bloodstream and stores excess glucose for energy for use by cells and tissues that need it. In Type 1 diabetics, too little insulin is secreted by the pancreas (requiring medication), while Type 2 diabetics develop a resistance to the insulin it their bodies produce so it is used less effectively.

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As a result, glucose in the bloodstream rises, increasing the risk for complications like blindness, nerve damage, and kidney damage. This is where insulin therapy comes in.
Type 2 diabetes patients can manage their diabetes with non-insulin medication but for Type 1, it’s always been insulin which has always been injectable.

Afreeza, ultra-rapid acting insulin, will encourage patients to give themselves correct doses of insulin compared to injectable insulin.  Injectable insulin works very well but it lasts for hours and hours thus causing extremely low blood sugar levels.

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Another major advantage of Afreeza is that it can be tailored to a particular diabetic’s individual needs.  In the event, the dose of insulin that patients gave themselves wasn’t enough; they can always give themselves an extra dose. That can help prevent a fluctuation in the blood sugar. This flexibility is not possible with an injectable medication.”

Afrezza, approved in 2014 by the FDA, is available by prescription.  Indeed, Afrezza] is a real game changer for type 1.

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How To Generate Income Before and After Retirement?


Every worker’s hope is to retire comfortably. But there is a big difference between hope and a reality. Many workers experienced shocking downfall in their retirement savings. The social security payments are not enough to cover normal living expenses.

As we know, many people either weren’t able to save or neglected to. Pensions — regular payments from an employer paid out after retirement — are in serious trouble. A study from the World Economic Forum says by the year 2050, that shortfall worldwide will reach $400 trillion in overall retirement savings.

There is biggest retirement savings gap in the U.S. – savings shortfall of $28 trillion. What does that mean? You might not get your pension unless things are addressed.

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Thus the question you should be asking yourself is what you can do to put yourself in a better position to retire. Thankfully, there’s a lot of advice out there.

The simplest and easiest way to get started is to enhance your savings. You can and should be sticking to a budget and controlling your spending. In addition to your regular paycheck, you may want to increase your income.

There is a serious concern for people who are about to retire or retiring in the near future. These are members of the baby boomer generation. They may not have enough savings thus they may have to take up part time job as cashiers or Walmart greeters. That is not the way to spend your golden years. There is a better way.

Become Consultant Now

You have experienced the world as no other generation has experienced. You may have enjoyed the fruits of prosperity. You have also experienced the enslavement by the corporate world- worked 40 hours a week for 40 years- with nothing to show for it. Now it is time to cash in on your experiences.

At this stage you can guide people to become financially independent so they will not be victim like you. You may have hesitated to be in a business of your own. Now you can because it is better than flipping hamburgers or becoming a Walmart greeter. Your life experience has more value than that.

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How I can do that, I have no experience in doing that, you may ask.

Let me address the benefits. You are likely to earn more that flipping hamburgers. You are likely to help future generation by showing them how they can also have their independence and not rely exclusively on a job. Now, even better you can be travelling the world. It is win-win situation. Don’t regret the past but let the past guide you to your independence.

You can become a consultant. The world has changed but our schools, colleges and the corporate structure have not been teaching how to adopt to new world of globalism. You can direct the people to share the fruits of the new world. The only thing is required that you are determined and have the drive to succeed.

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The system is simple and you get a personal coach that will walk you a simple and comprehensive training program. Believe it or not, after the training you will generate BIG commissions.

The interesting feature of the consultant business is that 90% of the work required to run your business is done for you. But you do have to be seriously involved. Most importantly, you have the option of deciding how much you want to earn and keep most of it!

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DigiSoft Payline Review- Two Powerful Income Streams

Face it folks, every single day at least one opportunity emerges online promising you to make you next millionaire. It pays to be diligent to do research on a company before you opt to join. No matter which company you join, the result will depend on you not in the company you join. Each program you join must be an addition to your income streams.

In order to join any opportunity, you need to seek answers to following:

  • What is the opportunity and what is being offered?
  • Is it a scam?
  • How much does it cost?
  • How long will it take to recover your initial investment?
  • What are the drawbacks?

DigiSoft Payline (DSP) is one of the opportunity is being reviewed. Like many opportunities, DSP has its hypes but it has good potential as a feeder program. That is to say, it helps you bring newcomers or inexperienced folks into online business so they can be trained to become marketers.

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The highlights are:

  • DSP does all the recruiting, selling, and explaining his videos!
  • The member keeps 100% of revenues from all Personal and Infinity Team Sales!
  • Instant cash commissions of $15 & $35!
  • Member gets paid instantly and directly!
  • There is no Matrix, no multi-level marketing (MLM)!
  • DSP is global, and is affordable – especially to newbies, global entrants.

Many have good experience with DSP as many tour-takers of the program tend to join. The DSP has two income streams within their program. Package 1 ($15) is 1-up infinity paylines, and Package 2 ($35) is 2-up double infinity paylines.

In essence, to qualify to earn from sale of Package #1, you will be passing up your first referral/sale of #1, then starting with your second sale of #1 and all after that, you get the first referral/commission from each of your Package #1 payliners passed up to you, and the first from the first from the first…unlimited $15 commissions being passed up to you.

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Similarly, to qualify to earn from sale of Package #2, you will be passing up your first TWO referrals/sales of #2, then starting with your third sale of #2 and all after that, you get the first two referrals/commissions from each of your Package #2 payliners passed up to you, and their first two from their first two from their first two…unlimited $35 commissions being passed up to you.

DSP offers the $230K Business Plan, which they claim, can potentially generate over a million dollars per member. Though there is potential to earn substantially, relying on hype is not a good idea!

It is not necessary for to purchase two packages as you can start with Package 1. You also need to know to maintain option to earn from your packages; you will need to pay $7(per month).

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But at a reasonable $57 total to get into this business, that plan is realistic to promote consistently to gain tour-takers, because a great many of them do join. It is to be noted that it’s your responsibility to send traffic to your site, your success in this business completely depends upon traffic registering for the tour.  That is every member’s main objective: Building the largest foundation of personal referrals.

The products in DSP can help you become a better marketer, there are nearly 200 products, many are about social media marketing. The DSP owner, Ron Walsh, helps close our sales, and we can gain up to $50 per each new payliner who joins our team, unlimited times per day.

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Generating Leads For Your Business Quickly

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There is no secret to success in business- online or offline.  The essence of success lies in marketing system that encompasses leads for the business.  Simply put, nothing happens without a lead. No sales, no revenue, no profit, no nothing.

But lead generation is not quick and at the beginning may be very hectic and time consuming.  For those who want quick results, lead generation is likely to try your patience.  But remember, it is effective.  If you are dedicated to the long term success, your lead generation efforts will pay off.  At the same time, there are some short term strategies to collect the leads.  You will have to include both lead generation methods.

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It is often said that money is in the list.  That is not a totally accurate statement.  If your offer is good enough and is sent to your list, which is targeted, will generate sales.  It is imperative to have the lists in two categories- list of people who have interests in your products or services and list of people who have actually procured your products or services.  The main objective of the list is to create buyers for today and many tomorrows.

There are many gurus that will tell you that business is about building relationships.  But people buy things because they want it or need it. They buy because they’re yearning for the perceived benefits of what you provide. Yes a relationship helps. But you are in business to earn money.

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Here are few short and quick steps to build your list quickly:


People like to be entertained, so make sure the content of your video is clearly INFOTAINMENT. The objective of the video is to entertain, inform and in exchange for their contact information.

Create a video and post it to YouTube and your own site. Be sure to take them to your lead collection link (optin page).

Some of you will not know how to make video. No problem.  Choose a video that has gone viral or has been viewed often and may be valuable to people.  By adding a floating form to the video, the viewers will provide their contact information before they check out the video.

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Social Media Marketing

Social media- Facebook, Twitter, LinkedIn, Instagram, and etc.- is powerful resources to spread information. Link to your video with short message will enhance viewership and, in turn, more people will optin.  You can also promote your services to specific Facebook groups at no cost.  Be careful, as posting too many times may ban you from Facebook.

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If you have no offers that is fine.  You can run a survey.  Usually McDonald’s or Burger King offers coupons or gift cards for filling in simple questionnaire or providing an email address.  Create a floating form for each offer.  Then ask people to select which one they like best- McDonalds or Burger King.  No matter which one they click, people may optin on your floating form.  In addition, McDonalds and Burger King will pay you for clicks.  This strategy is cost effective because it gets you contact information and yet you could earn simultaneously.

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Being Employee Versus Being Contractor

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Companies are finding it very difficult to maintain employees. Like it or not they are burdened with so many laws and regulations associated with having employees. From employers’ perspective, they are no longer employers only but they are tasked to be a “daddy” instead. They have to provide safe place to work. They have to pay for your health. They even have to pay you in the event you want to become a parent. There may be merits for providing benefits to the employees. But they surely cut into employers’ profits. So the employers opting out for hiring people as contractors rather than as employees.

As an independent contractor (IC), you contract to perform services for a company without having legal status as an employee. In essence, you are in business for yourself. Independent contracting has been used in highly specialized or technical fields, such as computer programming, engineering, and accounting. But ICs are being used in almost every field, from construction to marketing to nursing.

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Independent contractors reap many rewards that regular wage earners may never experience. As an IC, When you’re an IC, you’re your own boss, with all of the risks and rewards that entails. You can choose how, when, and where to work, for as much or little time as you want. IC is able to work with more than one company provided there is not direct conflict. Interestingly, the amount of money they make is directly related to the quantity and quality of their work.

As an IC, you will be earning more than as an employee. According to the Wall Street Journal, ICs are usually paid 20% to 40% more per hour than employees performing the same work. That is because the firms don’t have to pay Social Security taxes or unemployment compensation taxes, provide workers’ compensation coverage, or provide employee benefits like health insurance and sick leave.

Being an IC, you will enjoy many tax benefits that are not available to employees. For example, no federal or state taxes are withheld from your paychecks. This means you can hold on to your hard-earned money longer before you have to turn it over to the IRS. It must be noted here that you need to pay estimated tax and you can’t underpay.

Be Ageless Forever

Furthermore, being an IC, you are eligible for business-related tax deductions that are not available to employees. ICs can also establish tax-advantaged retirement plans such as SEP-IRAs and Keogh Plans. This enables you to shelter a substantial amount of your income until you retire. Because of these tax benefits, ICs often pay less tax than employees who earn similar incomes.

There are major drawbacks for being an IC. If a company has no work, you will not get paid. So it is essential, that as an IC you will need to be associated with several firms. You are responsible for your own health insurance, retirement plans.

Some ICs have great difficulty getting their clients to pay on time or at all. When you’re an IC, you bear the risk of loss from deadbeat clients. As an IC, be sure to address the payment of your services from the firm. You should also add penalty clause, if you are not paid in time. Many ICs contracted with government agencies can get paid as late as for 1 year.

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Being an IC means you are in business for yourself. As an example, If you are getting paid $20/hr. as an employee, your company charges their client anywhere from $50 to $100 for your services. The point is that as an IC, you will be able to ask much as $75 an hour for your services.

As stated earlier, ICs were used in specialized fields but firms are opting for ICs in other areas such as administrative areas. As firms lack expertise and do not wish to employ a full time employee(s) for social media presence, this need can be fulfilled by ICs. For five hours per week of work a social media specialist, you can easily charge a firm $250 to $500 per month. As an IC, if you have contract with just 10 regular firms you are likely to earn $2500 to $5000 per month. That is not bad for only 50 hours per week- in most case; you will earn that without leaving your home.

Be Ageless Forever

If you are personal trainer, it is likely that you will be employed at $15 to $20 an hour. But as an IC, you could contract with many local health clubs at $10 to $20 more per class or person. If you are trainer in special areas such as- yoga, Zumba, Bollywood dancing, spinning bike- you are likely to get heft contracts.

Check out the areas that you may be able to become an IC.


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Future Is In Micro-Niche Business

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Good or bad, internet has allowed consumers more options. All they have to go online and search. The surfing world is all about personalization and customization. No more the days of ‘one-size-fits-all”. What that means is the days of large grocery stores are gone. Imagine not going to Walmart, Target and wait in line for hours.

People no longer listen to music. They prefer their music streaming service to know what they want and deliver it automatically. Simply put, technology today allows small niche business to compete with big companies.

We live in a world defined by personalization and unique product offerings. Thanks to the rise of technology that allows the customization of everything from music playlists and car amenities, to news articles to takeout orders. Smaller cultures that function within the wider culture are becoming more common, as is the acceptance of a variety within tastes and lifestyles. The marketplace is changing rapidly to accommodate this new culture of diversity. And it’s doing this through niche micro businesses.

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What is niche micro business, you ask?

Niche micro business caters to a specialized market that is normally either neglected or forgotten by larger companies. In essence, mom-and-pop types of venture are making a comeback. Only difference is that they no longer have to have physical retail presence. But their presence is virtual and can be accessed anywhere in the world.

Believe it or not, even today niche brick and mortar micro-businesses that you’d never think were actually successful businesses. But they are! And if you’re considering an online business, the same concepts apply, except you can reach even more people.
The advantages of micro business are awesome, thus starting them is easier. They are easier because they are focused. Pinpointing a precise service or product allows the entrepreneur the chance to develop an in-depth knowledge in a particular area.

Make Money Helping People Stay Ageless

Another significant advantage is that it is much easier to target a very specific customer base. Modern marketing system using social media allows advertisements and connections to be made with targeted communities, lowering marketing costs and allowing higher returns on those marketing dollars.

It is no secret that women like to look beautiful, but they are concerned about all the chemicals in the beauty products. What if you are able to create beauty products from natural ingredients? You can take on the salon industry by offering women precisely what they want: simplicity and service. If you have a base of 100 regular clients with average profit of $25 a month, there you have at least $2500 a month earnings.

What all of this adds up to is a shift in focus for the business community, in which businesses will increasingly move away from offering everything for everyone to realizing that an effective path to success is a focus on just one idea done extremely well.

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This is great treat for you- now you will be help people set up their niche-business online. There is a need that you can serve and help you and others create wealth generating empire.

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Teaching Kids To Be Entrepreneurs

The Easy Cash Phenomenon

Artificial intelligence (AI) and automation is taking toll on American jobs. The government and business folks are not acknowledging but there is automation tsunami occurring. There is urgency in educating and training Americans for the jobs of the future. There is also need to aid workers in transition and empower them to share in future growth.

America’s job landscape has changed over the years. Many jobs are being taken over by automation. Many companies are shutting down manufacturing plants in America’s heartland and moving overseas. American’s are let jobless with many of them resorting to multiple careers much into their later years.

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Despite technical advancement and its impact of on American jobs, American school system is not preparing youngsters for future America. The single most responsibility of the education system is preparing children to lead a fruitful life.

It is to be noted that for every child livelihood will be an integral part of life. There needs to be awareness that education system must address and prepare each child capable of meeting livelihood needs. As jobs are likely to be scarce to find, and we must prepare our kids to be the job creators and not just job seekers.

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The American education system needs to introduce entrepreneurial education early in each child’s life. The suggestion is not made to preserve capitalism ideology. In essence, entrepreneurship, or self-employment, is utilization of one’s true capabilities.

The question arises- can entrepreneurship be taught? There has never been serious focus on teaching on entrepreneurship during formative years of child’s education. Even in colleges, few courses are thought as business classes, but the skills as entrepreneur are never thought effectively. I venture to say these skills can be taught.

The important reason to induce students from an early age to the ideas of entrepreneurship, because it is not a profession but it is a way of thinking. In my view, some of the most essential elements of an entrepreneurial mindset are the aspects of curiosity, perseverance, expression, and experimentation. Each of these behaviors and skills can be inculcated very early on in a child’s education.

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With entrepreneurial education, kids will be seeking new skills. As they learned to adapt to learning new skills they will not get disappointed or lose hope. The kids will not be vulnerable but ready to tackle new situations. With entrepreneurial skills, they will learn to focus on basics and learned to walk away when from irrational decisions.

The intent of entrepreneurial education is to embed entrepreneurship in their DNA and in the way they look at the world. Eventually they will create enterprising society.

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Smart And Sassy Amelia May Be Your Replacement


It is so amazing to watch political drama every four years.  There is outcry about unfair treatment at work places- unequal pay, minimum wage, maternal/paternal leave.  But my concern is not about politics but how the politicians are playing with people’s emotions.  But politicians with help of business folks are helping to reduce workforce.

So for the wise ones out there, be aware of what is going on.  No politicians can help you either because they can’t or they won’t.  But you need to help yourself by strategizing and preparing yourself for the inevitable future.   The future which may involve you not being employed anymore- at least the way you have been used to.

Why, you ask.  Simple answer, Amelia is here.

Amelia is bright.  She sounds vivacious. She is pleasant.  She never loses her cool. She is composed.  She doesn’t get frustrated.  She does not get confused.  She does not take any breaks.  As a matter of fact, she can perform for you around the clock.  She does not ask for any pay.  She does not ask for benefits. She does not gossip.  She is humble and willing to attend to all your commands.  She may require maintenance (that is normally scheduled).  She doesn’t get headaches nor does she call in sick.

Wouldn’t you like to hire Amelia?

Of course, who wouldn’t?  Satire aside, Amelia is here and eventually she will be replacing many folks.  Earlier machines revolutionized agriculture, manufacturing, utilities and other sectors of the country’s economy and took over jobs of many employed folks.  Now similar revolution is in the making.  The revolution is creating machines.  These machines are different.  These machines are substitution for actual human being.  These are artificial intelligent (AI) machines who will take over human labor force in the country’s service industry.

Amelia is your eventual replacement.  Are you prepared?

Amelia is the complete package: smart, sophisticated, industrious and loyal. Amelia can automate any process within your business. From helping customers open new bank accounts to processing insurance claims and registering patients for hospital entry, Amelia has countless potential industry applications.

Amelia is an artificial intelligence platform created by Dube’s managed IT services firm IPsoft, IPsoft has developed virtual agent avatar poised to redefine how enterprises operate by automating and enhancing a wide range of business processes. The product- Amelia- is still-ongoing 16-year developmental cycle.

Amelia, technical and yet very feminine, leverages cognitive technologies to interface with consumers and colleagues in astoundingly human terms, parsing questions, analyzing intent and even sensing emotions to resolve issues more efficiently and effectively than flesh-and-blood customer service representatives.

IPsoft unveiled Amelia in late 2014, and she is currently in trials across a handful of enterprises, including Shell Oil, Accenture, NTT Group and Baker Hughes, tackling everything from overseeing technology help desks to supporting financial operations to advising remote workers in the field.

How I prepare myself, you ask.

Being aware can be scary.  Most people will be worried and resign to accept what is inevitable.  But the brave ones will get prepare themselves so they can avoid unpleasant outcome.

So, prepare yourself by taking actions so that you are not totally dependent on your job (employer).  You need to engage in your business venture.  If you play your cards right, you know Amelia can help you.

Obstacles In Starting  Online Business

Overcoming Obstacles To Start Online Business

Yes, Amelia can help you.  Because Amelia learns the same way a conventional employee does, she fits comfortably into virtually any business environment, and since she’s cloud-based, she can be deployed anytime and anywhere, exploiting her fluency in more than 20 languages to communicate with customers and staffers across the globe.

In short, Amelia does have to replace you, but you can hire her so you can prosper.


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Are You Really Free?

Lie We Live001

Are we really living in an advanced society?  The world is within our reach. Just turn on your computer or phone.  The technology is the center of our lives.

So much so, just look around you- at office, on streets, at airports, just about anywhere- people are around you but their faces down and buried in their phones.  There are hardly any interactions with each other.  At home computer or smart phone has become like a family member.

Spencer Cathcart’s short documentary, The Lie We Live, exposes truth about our corrupt world.  He questions our freedom, the education system, corporations, money, world collapse, the US government, climate change.

Here are some highlights:

  • “Each day we wake up in the same room and follow the same path, to live the same day as yesterday. Yet at one time each day was a new adventure. Along the way something changed. Before our days were timeless, now our days are scheduled.”
  • “Food, water, land- The very elements we need to survive are owned by corporations.”
  • “To us our path is unique, but together we are nothing more than fuel. The fuel that powers the elite. The elite who hide behind the logos of corporations. This is their world. And their most valuable resource is not in the ground. It is us.”
  • “We’ve become disconnected. Idolizing people we’ve never met. We witness the extraordinary on screens but ordinary everywhere else. We wait for someone to bring change without ever thinking of changing ourselves.”

Of course, each one of us may not agree in totality with what is advocated in the documentary.  Nevertheless, it examines brutal realities which we either ignore or feel helpless in addressing them for whatever reasons.

Each one of us must not forget that life need not be maneuvered by others.  You need not follow any predetermined script.  Live your life on your own terms.


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