Author: Jennifer Brazer

Self-publishing is what it’s called, and it’s become trendy in recent years due in part to Amazon and its e-readers.

Yes, you are not dreaming; you may now publish a book. Furthermore, the book is available in digital and paper format due to CreateSpace (an Amazon tool).

How Does it Work?

Self-publishing is the act of publishing a book without the assistance of a publisher. You write it, reread it (or have it reread), upload it on the Internet, and voila! Your book is available all over the world. Or nearly so.

The most significant benefit is that you don’t have to wait for a publishing business to accept your work. So, the most significant roadblock to publication has now vanished.

However, not everything is as it seems. Your responsibility will no longer be restricted to writing; you will also be expected to sell your book, talk about it on social media, and animate it to attract new readers and be picked up by literary blogs.

Can We Really “Succeed” in Self-Publishing?

Sure. People like you and me awoke one day, decided to write, published a book on Amazon, and began establishing a name for ourselves.

Sonia Dagotor, for example, is frequently referenced in the media as an example. Sonia is married, has small children, and has a busy career, just like the heroine of her “Wife, Mother, and Working Girl” story. On the other hand, his books have been an enormous success (tens of thousands of sales). She was even awarded a literary prize.

Is there another example? By day, Jean-Baptiste Viet is an IT manager at Orange; by night, he is a blogger and self-published author. He decided to share his passion for blogging by writing and publishing a book called “BlogBuster – How to Make Money with a Blog,” which he created and sold on Amazon.

It is what I was describing to you.

Yes, we can succeed in terms of morality. Yes, anyone can achieve success. You can even grow if you work a second job.

Careful, I didn’t say it was easy.

You’d almost believe I said it was simple if you’d read this far.

No, it’s not.

I’m only trying to tell you that it’s much easier now than before because the publishing house is no longer a barrier. But now you’re up against dozens or hundreds of other self-published authors. As a result, quality is more important than ever.

Tips for Publishing a Self-Publishing Book and Succeeding!

Although editing a book is not your job, you can learn how to do it. It’s not just about the material needed to become a well-known author. Unfortunately, even if you write the best short tale ever written, it will be useless if no one reads it.

Choose a subject that you know

Don’t worry if you don’t feel like writing a Rosewater novel; successful ebooks aren’t limited to this genre.

Furthermore, you are not required to write a novel. You can also write a guide, which works wonderfully. It is something that a lot of people do. To finish a blog occasionally or, in some cases, they produce a guide first, then publish their blog after seeing how effective it is.

Although all topics are likely acceptable for a handbook, some are more “trendy” than others: drones, artificial intelligence, cryptocurrency, etc.

Listen to your future reader

If you want to write, you should consider who your ideal reader is in line with his expectations. When somebody reads your work of art, he wants to feel certain feelings.

You can learn more by joining Facebook reader groups or discussion forums and submitting your suggestions to them. Even passages from your book are acceptable.

Gathering comments before finalizing a piece of writing was impossible ten years ago. It’s a chance you shouldn’t pass up now, owing to the Internet and social media. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

By: Jennifer Brazer

Jennifer is the author of From Cubicle to Cloud and Founder/CEO of Complete Controller, a pioneering financial services firm that helps entrepreneurs break free of traditional constraints and scale their businesses to new heights.

Fact Checked By: Brittany McMillen

Conservation-Your-Electricity: Smart Strategies for Real Energy Savings

Conservation-your-electricity strategies can reduce your energy consumption by 10-30% through simple adjustments to thermostat settings, lighting choices, and appliance usage—all without sacrificing comfort or convenience. These practical techniques not only lower your monthly utility bills but also decrease your carbon footprint.

I’ve spent two decades helping businesses optimize their financial health, and I’ve noticed a fascinating pattern—companies that implement energy conservation measures typically see benefits beyond just cost savings. They experience improved equipment longevity, enhanced workplace comfort, and boosted employee morale. Throughout this article, I’ll share proven electricity conservation methods that have helped hundreds of my clients slash their utility costs while contributing to environmental sustainability.

How can you effectively conserve electricity in your home or business?

• Conservation-your-electricity involves strategic thermostat management, upgrading to energy-efficient appliances, eliminating standby power, and optimizing seasonal energy use patterns
• Smart thermostats can reduce heating and cooling costs by 10-15% through automated temperature adjustments
• LED lighting uses 80-90% less energy than traditional incandescent bulbs while lasting up to 25 times longer
• Eliminating vampire power from devices left plugged in can save the average household $100 annually
• Seasonal adjustments to your energy habits can maximize natural resources and minimize mechanical cooling and heating needs

Understanding Your Electricity Consumption Patterns

Before implementing conservation strategies, you need to understand where your electricity goes. The typical American home uses most of its electricity on heating and cooling (46%), followed by water heating (14%), lighting (9%), and refrigeration (4%).

Conducting a simple energy audit reveals your biggest consumption areas. Start by examining your utility bills for seasonal patterns and usage spikes. Many utility companies offer free assessment tools that break down your consumption by appliance and time of day.

For a more detailed analysis, consider using a plug-in electricity usage monitor ($20-30) to measure the power draw of individual devices. These tools quickly identify energy hogs like old refrigerators, gaming consoles, or space heaters that might be driving up your bills.

Smart meters provide another layer of insight by tracking consumption in real-time. This data helps you spot unusual patterns and adjust habits accordingly—like discovering your AC runs unnecessarily during work hours or identifying which appliances consume significant standby power.

Optimize Heating and Cooling Systems for Maximum Efficiency

Your HVAC system likely represents your largest energy expense, making it the perfect starting point for conservation efforts.

Smart thermostat implementation

Installing a smart thermostat delivers immediate benefits through precise temperature control. Program your thermostat to adjust by 5-8 degrees when you’re away or sleeping—each degree change for 8 hours saves approximately 1% on your heating/cooling bill.

• Use the “20-degree rule” to avoid overworking your system (don’t set the temperature more than 20 degrees different from the outside temperature)
• Program gradual temperature changes rather than dramatic swings
• Take advantage of occupancy sensors that automatically adjust when no one is home
• Integrate with weather forecasts to optimize heating and cooling cycles

In my own home, switching to a smart thermostat reduced my AC run-time by 30% without sacrificing comfort. The system learned my preferences and optimized cooling cycles based on outside temperatures and my daily schedule.

Maintenance and airflow optimization

Regular maintenance significantly impacts HVAC efficiency:

1. Replace air filters monthly during peak seasons
2. Clean condenser coils annually to maintain optimal heat transfer
3. Seal and insulate ductwork to prevent up to 30% energy loss
4. Check for proper refrigerant levels during annual professional maintenance
5. Keep supply and return vents unblocked by furniture or curtains

Energy-Efficient Lighting and Appliance Upgrades

Lighting and appliances offer substantial savings opportunities through strategic upgrades and usage modifications.

LED lighting transition

LED bulbs use 80-90% less energy than incandescent bulbs while lasting 25,000-50,000 hours compared to just 1,000 hours for traditional bulbs. Though they cost more upfront, the savings are dramatic:

• Replacing ten 60-watt incandescent bulbs with 9-watt LED equivalents saves about $160 annually
• Focus first on fixtures used most frequently (kitchen, living areas)
• Use task lighting instead of illuminating entire rooms
• Install dimmer switches to further reduce energy use when full brightness isn’t needed

Don’t forget about outdoor lighting—motion sensors and solar-powered options drastically reduce electricity use while maintaining security.

Appliance management and replacement strategy

When replacing appliances, Energy Star certification should be non-negotiable. These products use 10-50% less energy than standard models.

For maximum impact, focus on these high-consumption appliances:

• Refrigerators (replace models older than 15 years for 40% energy savings)
• Clothes dryers (heat pump models use 20-60% less energy)
• Washing machines (front-loaders typically use 25% less energy and 33% less water)
• Dishwashers (newer models use 30% less water and energy)

While waiting to replace older appliances, modify usage habits:

• Run dishwashers and washing machines only when full
• Use cold water for laundry whenever possible
• Set refrigerator temperature to 38°F and freezer to 0°F
• Clean refrigerator coils annually to maintain efficiency

Eliminating Standby Power Consumption

The average U.S. household spends $100 annually on vampire power—electricity consumed by devices when they’re not actively being used. This invisible drain accounts for 5-10% of residential electricity use.

Power strip strategies

Strategically placed power strips enable you to cut power to multiple devices simultaneously:

• Group entertainment center components (TV, game consoles, speakers) on one switched strip
• Use timer power strips in home offices to automatically cut power overnight
• Install smart power strips that detect when a primary device (like a TV) turns off and cuts power to accessories

Device management

Beyond power strips, consider these approaches:

• Unplug rarely-used devices and chargers when not in use
• Configure sleep settings on computers and monitors (a desktop in sleep mode uses 70% less electricity)
• Enable power management features on game consoles, which can draw nearly as much power when idle as during active gaming
• Replace always-on devices with manual alternatives where practical

A Washington D.C. group home implemented comprehensive energy management strategies including vampire power reduction and saw a 44% decrease in overall energy consumption with a 4.8-year payback period on their investment.

Maximizing Natural Cooling and Seasonal Strategies

Working with nature rather than against it significantly reduces energy needs throughout the year.

Passive cooling techniques

Before mechanical cooling became widespread, buildings incorporated passive cooling strategies that remain effective today:

• Use ceiling fans (running counterclockwise in summer) to create a wind-chill effect, making rooms feel 4°F cooler
• Install window coverings that block solar heat gain (cellular shades reduce heat transfer by 60%)
• Open windows during cool mornings/evenings and close them during peak heat
• Plant deciduous trees on south and west sides for natural shading in summer while allowing winter sun

Seasonal adjustments

Energy conservation varies significantly by season:

Summer strategies

• Run heat-generating appliances (ovens, dryers) during cooler morning or evening hours
• Use bathroom and kitchen exhaust fans to remove humidity and heat
• Set ceiling fans to run counterclockwise to create cooling airflow
• Consider a whole-house fan for evening cooling in dry climates

Winter strategies

• Open curtains on south-facing windows during sunny days to capture solar heat
• Reverse ceiling fan direction to clockwise at low speed to circulate warm air
• Add weatherstripping to doors and windows to prevent heat loss
• Use space heaters selectively rather than heating entire homes

Leveraging Advanced Energy-Saving Technologies

Smart home technology creates new opportunities for electricity conservation through automation and precise control.

Smart home integration

A comprehensive smart home system optimizes energy use across multiple systems:

• Smart plugs provide remote control and scheduling for standard appliances
• Motion sensors ensure lights only operate when rooms are occupied
• Automated blinds adjust based on sun position and temperature
• Energy monitoring systems provide real-time consumption data and alerts

PG&E’s Smart Thermostat Pilot demonstrated that connected thermostats reduced peak demand by 0.13 kW per household, with 58% of eligible ecobee users participating in demand response events.

Solar and alternative energy options

While conservation reduces consumption, generating your own electricity provides another path to savings:

• Solar panels have dropped in cost by 70% over the past decade
• Battery storage systems capture excess production for use during peak rate periods
• Community solar programs allow participation without installing panels
• Time-of-use rate plans maximize savings from self-generation

Final Thoughts on Electricity Conservation

Conservation-your-electricity efforts deliver compounding benefits that extend far beyond reduced utility bills. By implementing even a handful of these strategies, you’ll contribute to grid stability, reduce carbon emissions, and often experience improved comfort in your home or business.

I’ve seen countless clients transform their relationship with energy consumption through these methods. The most successful start small, focusing on no-cost behavioral changes before making larger investments in equipment or technology. This approach builds momentum through quick wins while developing a deeper understanding of your unique consumption patterns.

If you’re looking for guidance on integrating energy conservation into your broader financial strategy, the experts at Complete Controller can help. We specialize in helping business owners and individuals optimize all aspects of their financial health, including utility and operational costs. Contact us today to learn more about how financial expertise can power your sustainability goals.

FAQ

What’s the fastest way to start conserving electricity today without spending money?

Adjust your thermostat by 7-10 degrees for 8 hours daily (when sleeping or away), unplug electronics not in use, and wash clothes in cold water. These zero-cost changes can reduce energy bills by 10-15% immediately.

How much can LED lighting actually save on my electricity bill?

LED bulbs use 80-90% less energy than incandescent bulbs and last 25 times longer. Replacing just ten 60-watt incandescent bulbs with 9-watt LED equivalents saves approximately $160 annually on electricity costs.

Is it worth upgrading to a smart thermostat if I already adjust my temperature manually?

Yes. Smart thermostats save an average of 8% on heating and 10% on cooling costs compared to manual programming because they optimize run times, learn your preferences, and make micro-adjustments you might forget. The typical payback period is less than two years.

How much electricity do devices use when they’re turned off but still plugged in?

The average U.S. household spends $100 annually on standby power from devices like TVs, chargers, and coffee makers that consume electricity when plugged in but not actively used. This “vampire power” accounts for 5-10% of residential electricity use.

Do ceiling fans actually reduce air conditioning costs?

Yes. Using ceiling fans allows you to raise your thermostat setting by about 4°F with no reduction in comfort due to the wind-chill effect. Since fans use far less electricity than air conditioners, this simple change can reduce cooling costs by up to 30%.

Sources

• Building America. “Group Home Energy Efficiency Retrofit.” U.S. Department of Energy, 2011. www.energy.gov/sites/prod/files/2014/01/f7/casestudygrouphomeretrofit.pdf
• CPS Energy. “Energy Saving Tips.” www.cpsenergy.com
• Demand Side Analytics. “PG&E Smart Thermostat Control Pilot Evaluation Report.” 2024. www.calmac.org/publications/PY2022-2023SmartThermostatControlPilotEvaluationReportFinal(003).pdf
• Energy Star. “Low- to No-Cost Tips for Saving Energy at Home.” U.S. Environmental Protection Agency. www.energystar.gov/products
• Energy Victoria. “Top 10 Energy Saving Tips.” energy.vic.gov.au
• FES Lighting. “Incandescent vs LED Light Bulbs.” 2023. blog.feslighting.com/incandescent-vs-led
• IGS Energy. “9 Simple Ways to Conserve Energy at Home.” www.igs.com
• Office of the Ohio Consumers’ Counsel. “What’s draining your energy? Vampire Power.” 2024. www.occ.ohio.gov/factsheet/whats-draining-your-energy-vampire-power
• Pacific Gas & Electric (PG&E). “Summer Energy-Saving Tips.” www.pge.com
• Puget Sound Energy (PSE). “Energy-Saving Tips for Your Home.” www.pse.com
• Save on Energy. “12 Ways to Make Your Home More Energy Efficient.” saveonenergy.ca
• U.S. Department of Energy. “Spring and Summer Energy Saving Tips.” www.energy.gov
• U.S. Energy Information Administration (EIA). “Regional Lighting Variations.” 2019. www.eia.gov/todayinenergy/detail.php?id=38452

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Commence Now Before the Month Starts

Set a realistic budget. Break down your earnings, necessities, extra expenditures, and savings contributions. Leave everything aside, get a pen and paper, and begin writing down next month’s activities and expenditures. This will allow you to have a clear picture in your mind before spending.

Furthermore, articulate why you are creating a budget plan. What inspired you to act upon it? Is it because of your wedding, new house, a new car, or simply trying to halt overspending?

Be it any reason, and you made a wise decision! Now, off to create a budget!

Turn the Goals on the Paper into Actions

Creating a budget is exciting but useless if you don’t implement it. It can be an excellent exercise to develop by acting upon your words. On your payday, remind yourself about the budget plan and decide ahead of how effectively you can allocate this money. For instance, housing, utilities, transportation, and food come in first. Then, monthly debt payments, other expenses, savings, and fun activities. This self-disciplinary action will safeguard you from falling into further debt. You won’t rely on credit cards to survive anymore. Instead, you can live independently.

Organize Your Bills

For convenience in tax purposes, you must sort certain documents, such as bills and receipts, into an account and proceed with whatever makes sense to you. If you receive your bills electronically, consider filing them in a separate document. By doing so, one will have information concerning their bull expense.

Prioritize Your Goals

Distinguish between necessities and desires realistically. The primary focus must be your groceries, transportation, rent, and other fundamental expenses. However, financial goals comprise debt payments, and retirement savings should be your second priority.

We emphasize budgeting because it offers a comprehensive overview of where your money is going, whether you are satisfied with it and whether it aligns with your values.

An expense may not always fit neatly into your variable costs. It is helpful when planning a backup plan. Here’s the best part: don’t use it to justify going overboard in any of your other spending categories. Consider altering your budget rather than channeling it into your cushion if you routinely go over budget in eating, buying clothes, or other departments.

Automate for a Fantastic Experience

Technological advances can alleviate the arduous components of budgeting efficiently without causing setbacks. So why don’t you consider benefiting from them? Consider setting up an automatic transfer to pay bills and save a stash of money regularly without effort.

Certain financial institutions offer good deals and discounts on automatic accounts; however, you can easily download the online app.

Revise Your Monthly Budget

Why? Life is full of surprises; you must leave room for them. Certain expenses, such as unexpected bills, may vary month to month—for instance, gifts for family, registration fees, and many more. Your income can increase, too! Revisiting your budget once a month can efficiently offer you an intelligent way to tackle fluctuations. It also allows you to talk with your potential partner and family if you are willing to work on a family budget.

Set aside one day every week to invest no cash other than what is extremely important. It is a simple technique to ensure that your monthly expenses remain under your budget. If you’re desperate for a money detox, try a week of no spending, where you only spend money on basics.

Make Necessary Changes

The final stage in your budgetary control is to examine all the data you’ve acquired and double-check that the figures add up. Next, review your net earnings concerning your monthly budget to see if you have enough money to fulfill all your monthly expenditures.

It’s time to make changes if you cannot afford your current lifestyle. While you can ponder solutions to produce more money, such as working longer hours, you should also explore strategies to save money.

It could include lowering indirect costs by restricting takeaway orders and canceling online memberships you don’t use frequently. In addition, some fixed expenses may need to be adjusted to account for shifting prices. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Privatization is the process of transferring ownership of state-owned assets and services to private businesses. This involves selling shares and assets to private business owners. Advocates of privatization argue that private ownership leads to more efficient operation than the public sector. In the UK, many public sectors underwent privatization during the 1980s and 1990s. However, critics of privatization claim that private companies often exploit state monopolies and operate without government restrictions. They may prioritize profits over public service, which can lead to reduced quality and accessibility of services.

Advantages of Privatization

Effective improvement

In privatization, companies must work very effectively to make the maximum profit. In government-occupied companies, the owners and the employees have no authority to enjoy the profit. However, private companies can enjoy the gains in the form of development and higher salaries.

Politically free

Private companies are free from political pressure. They can work independently without bothering with the different government agendas or peer pressure to work too well for the current party. They can fire anyone who doesn’t follow company policies.

Shorter period

An individual should not worry about working too much for a more extended period because another government can make that business public. Then, the government would have to work for it except you.

Pressure from shareholders

Shareholders put a lot of pressure on the company, encouraging them to work out the best for it. The value of the shares will tell you about the position of a company. If the company’s share declines, the company will be sold to a powerful businessman or will end up with debts.

More competition

Privatization is more competitive than government-owned companies because private companies have many people in the market working on the same idea. One must perform better than the rest of the companies in a good organization with excellent views.

Raised revenue by the government

The government provides enough revenue as soon as your company works well. These revenues will help the firm develop more. But taking too much from the government will lead your company to become public-oriented.

Disadvantages of Privatization

Create own monopoly

They create a monopoly that includes a high rate of interest. They don’t have fixed prices. The government sets up a policy for the price that is applicable until the next budget. Private companies work in their interests. They don’t bother about their valuable consumers.

Lack of public interest

As mentioned before, they lack the interest of the common public. Private companies want to earn more to achieve more for their firm. Their main aim is to make the most of their sufficient resources and marketing strategies.

Loss of potential dividends

The government is unable to get the potential dividends. Instead, the prosperous businessmen enjoy the well-off shareholders.

The exploitation of industries

Private companies tend to destroy many companies in their market by several means. They emphasize the best, and this will eliminate many government sectors. One cannot blame them because they work for their development.

Short period

They are short-period businesses, meaning their hard work will be wasted. Their business is insecure, which means they lack sufficient safety. They will have to launch according to government policies and will have to end at any time.

Insecurity of employees

Employees are insecure in these companies because companies hire the best and want the maximum amount of work. They don’t bother about the financial and emotional security of the employees. Their main requirement is the ultimate work done in the least period.

Privatization can be a good thing sometimes, but it has certain flaws that must be focused on. There should be a balance between the government as well as public companies.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Undeniably, Covid-19 has played a crucial role in digitally transforming the world. After the increased number of cases of COVID-19, the use of robotics and AI in all areas to reduce human contact gained momentum. The pandemic impacted people worldwide and damaged several layers of our society. Whether it is the education, health, tourism, or any other sector, no one can beat the pandemic without integrating technology and artificial intelligence.

Robotics and AI in Healthcare 

AI played a role during the pandemic when front-line workers and healthcare professionals were at greater risk of getting infected. Robots acted as a protective shield to avoid physical contact with humans. The emergence of robotic surgery is also a result of these protective measures. This concept allows proceeding with surgical processes remotely without physical contact with the patient.

Arthrobot was the first surgical robot to perform surgeries using voice commands. Robotics and AI have revolutionized the healthcare system to prevent viruses and other diseases. The unpredicted pandemic has resulted in the increased demand for the development of robots performing several operations.

Role of AI in Pandemic 

Robots and AI have a history of serving humans and performing multiple tasks to protect them from infectious diseases. COVID-19 has threatened our lives and restricted societal movements. Even when the best healthcare service providers faced a shortage of protective equipment, robots acted as heroes to save the lives of both healthcare professionals and patients.

They reduced the physical contact and operated at their maximum capacity to serve the growing number of patients. AI prevented health professionals from working for longer hours. 

Role of Robots and AI in Surgeries 

Surgical care is the healthcare system’s building block, comprising emergency and elective operations to improve population health. Surgeons performing surgeries in operating rooms were at a higher risk of infection. Robotics and artificial intelligence were integrated into most hospitals’ processes.   

Robotics and AI in Airport 

Artificial intelligence has automated data collection, analysis, and interpretation, which has prevented humans from doing the work and eased the burden. In airports, artificial intelligence will observe larger data sets and analyze the patterns using the data sets. Moreover, artificial intelligence is also used to track queue length, productivity, and security lanes.

Machine learning, a component of artificial intelligence, enhances algorithms’ recognition patterns. In this way, airports not only automate processes but also mitigate institutional gaps and risks. Before the global pandemic, this automation process worried many people about their jobs. However, the pandemic witnessed that the automated process made processes faster than before and eased many people’s job responsibilities.

This automation has made the social distancing rule applicable to both staff and passengers without affecting the work. One can say that the automation process through robotics prevented people from impacting the workflow.

Role of Robotics and AI in Education  

The education sector faced a severe negative impact of the pandemic. The restrictions on movement and lockdown impositions emphasized the education sector’s shift towards e-learning. This shift optimized the technological demand in education and saved time and resources.

Customized e-learning methods made access to education possible for students without any physical contact with teaching professionals. The machine algorithm system helped teachers identify students’ weak areas and provide them with essential guidance and material. This analysis set up a new trend in the market to offer AI software for teachers’ advice and help.

Teachers can use AI software to design the course outline and content for students and schedule the tests and exams. The increased number of students in classrooms has decreased the interaction between teachers and students. On the other hand, e-learning processes and techniques enhance the exchange of teachers and students, enhancing the efficiency of the educational system. 

The virtual programs helped teach professionals to keep track of student activities. Some apps ask students homework-related questions, get answers, and submit them to teachers.

In addition, the maximum use of AI has also resulted in personalized animations. These personalized animations act as a tutor and interact with the students. Such technological developments in the education sector showed an inclination towards artificial intelligence.

In the end, robotics and AI have proved to be a game changer for several areas where human interaction was maximum. These inventions became a protective layer in pandemics and changed how multiple functions were performed.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

What is an Insurance Premium?

An insurance premium is the amount of cash an individual or business pays for an insurance policy.

How do you Reduce Your Insurance Premium?

You can reduce your insurance premium by shopping around for other companies that offer the same policies at lower rates. You should also consider adding additional riders or endorsements to your policy, which will help lower its cost.

Cost

The cost of your insurance premium is a significant consideration when deciding whether or not to buy insurance. It also determines whether or not you should renew your insurance and how many firms you should compare before deciding on your coverage.

Coverage

Insurance is a good thing. It helps safeguard you and your family in a severe accident or illness. It also provides financial protection when, for example, a fire destroys your home.

Additionally, insurance providers classify coverage into two major categories: Life Insurance and Property Insurance. Life Insurance covers any loss caused by death; Property Insurance covers losses due to damage caused by fire, storm, or other natural disasters. There are also different policies based on the type of insurance coverage you require. For instance,

Benefits

• What are the benefits of insurance?
• What are the benefits of a reasonable premium?
• How can you find out what your insurance premiums should be?

Personal Needs

There are a few elements to consider when choosing an insurance policy. The most fundamental thing to bear is that you must ensure it meets your personal needs and is affordable for you. It would help if you were looking for reliable and available coverage and easy-to-understand policies.

A Reasonable Insurance Premium is Substantial

While insurance costs are never ideal, it’s important to remember that you’re paying for protection. The right coverage can help protect your assets from theft or damage and cover medical costs if you are injured on the job. While different insurance policies are available, most people need at least one: personal liability insurance. This type of policy helps protect against lawsuits filed against you by other people.

It would help if you calculated a reasonable premium based on several factors, including:

• Your income level
• Your family size
• Generally, areas with higher crime rates will have higher premiums

How can I Reduce my Insurance Premium?

When buying insurance, it’s essential to ensure you get the best premium deal. Here are three ways to reduce your insurance premium:

1. Pay for your car repairs up front instead of going through an insurance company. This way, you won’t have to pay for the repair or insurance!
2. Keep an eye out for special deals from your insurer and companies that offer similar services. You may be able to acquire a better deal than what you’re currently paying!
3. If you’ve been driving for a long time without any accidents or tickets, call your current insurer and ask if they can give you a discount for being such a good customer!

Why Should You Have a Reasonable Insurance Premium?

There are several reasons why you should have a reasonable insurance premium.

It’s an intelligent approach to ensure you’re getting the most value for your money. However, you may be overpaying if you choose an insurance company that rates higher than others but provides less coverage.

Second, it helps protect your assets and savings from unforeseen costs such as medical bills, property damage repair, or lawsuits.

Thirdly, having reasonable insurance premiums will allow more money to be available for other things such as retirement and college funds, ensuring that when those times come around, there will be enough money for the public regardless of what happens unexpectedly during those times, such as accidents or illness, which could cause financial problems if proper planning is not done ahead of time.

Fourth, having reasonable insurance premiums means there won’t be any surprises later on down the road when something comes up, either financially or physically, because they’ll already know how much money they’ll need at all times.

We hope we’ve provided you with valuable information regarding insurance premiums. It can be tricky; how do you find the right balance between cost and coverage? However, by prioritizing your needs, getting educated about what options are out there, and recognizing that everyone’s circumstances are unique, you can make an informed decision about which company is best for you. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

In Western countries, the investor community has long expected that companies in which they invest act responsibly and integrate “CSR” policies into their business models. Implementing ideas when industry competitors are only starting to consider them is a beautiful way to differentiate yourself from the competition and attract investors, consumers, and skilled employees. Those who wait until the last minute risk falling far behind.

Corporate social responsibility is not unique and has progressed in recent years. Companies were formerly limited to participating in charity activities for the benefit of society and thought that this was adequate. Today, we have a much broader understanding of this concept. In terms of practicality, where do you begin? The ideal place to start is to identify the organization’s significant stakeholders (those who are interested in the outcomes of its actions, such as customers, employees, shareholders, suppliers, business owners, and the local community) and then consider their basic needs. What is most important to your firm (apart from profit), and what makes it distinctive, given the location?

It makes no distinction whether we are talking about a tiny or medium-sized business or a giant corporation; you can always start doing something, and there are many ways to accomplish so. Take the attitude toward employees, for example. Primarily, you may aid in the improvement of the health and well-being of your employees by offering them more flexible working conditions and a more appealing work-life balance. According to last year’s research by the International Federation of Accountants (IFAC), the youngest generation, Z, prioritizes stable career development over income levels when choosing a workplace. Salary and bonuses are in second place, but the perfect balance of work and personal life is right behind them, in the top three crucial variables.

There are also many other options for improving working conditions in the company, such as providing different opportunities for people with various needs, providing training or internships for those who are just starting in their careers, and preventing gender or national discrimination in determining remuneration and career advancement. The ladder boosts employees’ knowledge of corporate social responsibility and studies how employees perceive it.

On a local level, you can participate in local community projects (for example, Subotnick), donate your premises for public use if not already in use, and encourage staff to do the same.

Finally, environmental protection is an essential topic that is particularly vital to manufacturing companies. Companies can reduce pollution by recycling waste, eliminating plastics from their products, being more selective with their suppliers, increasing their use of public transportation or corporate fleet sharing where conditions allow, regularly cleaning up waste in the surrounding area, or participating in landscaping projects.

What are the commercial advantages of this strategy? American economist and entrepreneur John Elkington introduced the Triple Bottom Line (TBL) concept in 1994. When developing a business model, company managers, and individual entrepreneurs must consider the financial side of the equation and the social and environmental factors. According to Elkington, profit, people, and the environment are any firm’s “three pillars” or “pillars of sustainable growth.”

Critics point out the practical problems of implementing the notion, particularly when integrating it into the accounting system: environmental costs are difficult to quantify. For example, the long-term implications of dumping toxic waste are only quantitatively apparent. If this is the case, managers will react unfavorably to adding them to the calculation in the short term. The issue is further compounded by the absence of universal mandatory standards, even though international organizations (such as the GRI group) have already created several voluntary guidelines.

Monitoring is an arduous task for beginners. It will be crucial to consider what indicators will be used to monitor the effectiveness of corporate social responsibility strategy execution.

Today, everyone can see that investors, employees, and clients will not become less demanding over time; the reverse is true. A corporate social responsibility policy should be imposed “from above,” starting with the board of directors and spreading to all levels of the organization, rather than being reduced to a mere allegation on a corporate website. People are unlikely to be duped, and the negative consequences of discovering that all the statements were false can be highly damaging.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Combined with the experience of accountants, systems engineering, new artificial intelligence technology, and innovation can achieve superior results for businesses and, as a result, for the market. Given that the accounting profession seeks to provide tax information to the tax authorities, this article aims to demonstrate that the work is migrating tasks to become a management tool capable of assisting decision-making in promoting corporate social responsibility.

Introduction

There is a scenario of significant changes in the accounting market with innovative technologies, artificial intelligence, and process automation. And along with these changes, there are problems, anxieties, and uncertainties that the unknown causes in people. From an idea to launching a business is a long journey. And when you do everything for the first time, it seems especially thorny. So that you do not abandon a great idea halfway through its implementation, together with the My Business Center, it tells what a budding entrepreneur needs to know before starting their own business. Everyone can see and feel the reforms are needed, where inflation is no longer considered a problem, unemployment has decreased, access to credit and consumption has increased, and, as a result, poverty has decreased. Thus, there is an entrepreneurial scenario in which new companies appear daily, and more professionals are needed. Still, some professions are in danger of not existing due to technology and automation. To evaluate whether it is worth starting a business or not, ask yourself a few questions.

What do I Offer Clients?

Strive to be accessible about whether buyers need your product or service and how it will differ from comparable products. Look at what your opponents have to offer and evaluate how they do it and what they would not to establish your unique creation.

To Whom will I be Offering my Product?

Determine your intended audience—people who could be interested in what you are selling. Figure out their expressed or hidden needs and how you may assist them in fulfilling them. You must introduce your prospective buyer, including their profession, education, relationship position, and societal status. You should also be able to fully understand the client’s concerns and aspirations and the traits of his conduct and character and imagine scenarios in which he would require your service or product.

Business Plan

If you already have an idea, it is time to write a business plan. The document must specify all planned expenses and incomes, promotion options, determine the target audience, competitors, prices for your goods or services, break-even point, etc. With it, calculating everything, finding flaws, and polishing your project will be easier.

Where Will I Sell My Product?

If your audience is used to buying everything on the Internet, or your product needs to be felt or tried on, then you will need a place for a store. Where should it be located—in the center of a residential area? I think you may still need a warehouse or office.

Search for Start-Up Capital

Having drawn up a business plan, you will know the amount you need to start. Consider where you will take it. It can be your savings, a bank loan, or investor money. If you decide to take a loan, pay attention to the payment schedule, the reliability of the bank, and the interest rate. There are business loans for entrepreneurs whose rates are much lower than when applying for a consumer loan. For example, My Business Center has developed unique loan products at a reduced rate for start-up entrepreneurs. Business representatives who have registered their business can take advantage of the offer.

Checking Account

Opening an IP current account is unnecessary, but it is more convenient to manage your finances with it. For example, it allows you to transfer salaries to employees’ cards, pay taxes, keep track of funds, issue invoices to other legal entities to provide services, participate in tenders on the public procurement website, etc. If you have an LLC, then by law, you must open a checking account. To do this, you need to select a bank. When choosing, you need to pay attention to the tariff plan, the opening hours of branches, and the number of ATMs. You do not need to pay to open an account in all banks.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Companies must be given the tools they require to function. However, their financial health and business will suffer if they do not control their running costs. If a corporation overspends on office space, it may not be able to pay its staff. Organizations that want to protect their bottom line should cut operating costs. In today’s competitive market, this will assure their survival and growth.

The cost of goods sold, which are direct expenses of producing items, is an essential component of operating expenses. Examples of prices of goods sold include raw materials, supplies, manufacturing parts, and shipping. Other types of running costs include the following:

• Labor and payroll costs
• Maintenance and utility costs
• Employee pensions, health insurance, disability insurance, and other benefits
• Sales commission
• Depreciated assets
• Amortization

Calculating the operating expense ratio (OER) can help organizations understand their operational spending. This data point allows brands to compare expenses to revenue and track efficiency. Divide operating costs by payments to get the operating expense ratio.

The total earnings associated with a brand’s operations are operating costs. To determine this, deduct operating expenses from total revenue for a given period. If you followed the previous example, the tiny business would earn $400,000 in operating income.

Businesses that aim to cut operating costs should follow these best practices without sacrificing product quality or the workplace environment. This will preserve the brand’s bottom line, but it will also improve efficiency and competitive advantage.

1. Leverage technology

Many business systems and software platforms are available in today’s digital world. Using these solutions, specific processes like payroll, inventory monitoring, and supply chain management can be automated and simplified. These technologies will boost productivity, allowing businesses to execute tasks faster and with fewer human errors. As a result, companies can save money on labor and avoid delays caused by mistakes.

The following questions should be considered while choosing a business system or program.

• Which task requires improvement?
• What business function is currently performing well?
• Which company process is the most time-consuming?

2. Research vendors

Businesses that rely on suppliers for materials and completed items should do their homework to choose one that fits their budget. It’s crucial to consider their wholesale rates, order minimums, delivery timetables, and shipping costs. Small businesses, for example, should seek vendors with low order minimums because they have fewer clients and expectations.

3. Outsource jobs

Outsourcing is another cost-effective option to improve operations. If a shop, for example, does not have a strong accounting background, it can hire a tax specialist or accountant to help them. This ensures accuracy and allows the organization to concentrate on other essential tasks.

4. Promote telecommuting

Working from home is becoming more convenient and more common. The data shows that 4.3 million Americans work remotely at least half the time. Furthermore, according to Upwork, by 2025, 22% of the workforce will be working remotely. The company will save money on office space and utility costs by allowing employees to work from home. It also eliminates the need to purchase workplace supplies like printers and computers.

5. Pay vendors promptly

Paying all payments on time is another way to cut operating costs. Companies should pay their vendors’ invoices either early or on time. This will avoid any late fees, interest, or other costly consequences. In addition, several suppliers offer discounts to customers who pay their invoices on time.

6. Take notice of inefficiencies

Wasteful spending and resources can emerge from inefficient processes and procedures. If a retailer’s demand forecasting method is ineffective, they will waste capital on products their customers do not want.

Business leaders should evaluate their operations regularly to spot inefficiencies and save money. They will better understand what works and what does not because they work directly with clients and procedures. Collecting staff comments and suggestions would also be beneficial.

7. Cancel subscriptions

Regularly review your subscriptions to numerous services as a business owner or manager. If you haven’t used a platform in months, canceling it or switching to a less expensive plan may be more cost-effective.

8. Be sustainable

You can save money by purchasing eco-friendly products such as recycled paper, intelligent thermostats, and energy-efficient light bulbs. There are also environmentally efficient options for air conditioning and heating. This allows the company to save money while maintaining a pleasant working environment.

Many businesses can reduce expenses, increase earnings, and improve cash flow by implementing these cost-cutting strategies. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Your benefit is that you can identify the best source of finance for your business that meets your investment goals and strategy.

The Company Gives Complete Support to the Client during the Investing Process

Provides consultancy services at all project phases; provides legal support for transactions; develops an investment attraction strategy; provides consulting services at all project stages.

Creates investment documentation (e.g., an investment memorandum, a prospectus, a business plan, and so on).

Prepares any other documentation that may be needed.

Prepares presentation materials and attends the client’s pitch meeting with possible investors.

Negotiates with investors in the Customer’s best interests.

When placing a securities issue, for example, acts as an underwriter.

We can Help Attract Investment

Public issue of corporate bonds

You can use a public offering of corporate bonds to seek long-term finance for your firm for two years or longer. The company develops the parameters of the loan independently and can manage the amount of debt by buying bonds on the secondary market; there is no need for collateral; the borrower’s public credit history is formed; it opens access to the capital market without redistributing property and changing its form, and so on.

Private placement of securities

We offer our clients the option of placing shares privately among a select group of investors. As a result of this issue, you can obtain the essential funding quickly. Although a private placement is not a public offering, it does necessitate the involvement of a financial counselor and an underwriter, as required by law. A private offering of securities could be the initial step before a public offering.

Attracting foreign investors

Our firm has worked with investors from Russia, Kazakhstan, Israel, the United States, Ukraine, and other countries. We will design a unique investment proposal based on the information provided by the Customer as part of our engagement with overseas investors. Based on this proposal, the company’s professionals will negotiate with prospective investors about the prospects of financing the Customer’s project.

Assistance in attracting credit resources

Our workers will research the borrowing bank’s standards as part of their efforts to attract credit resources to the Customer’s organization. You will produce a business plan based on these requirements, a mandatory document required to get credit resources from most Republic institutions. We have worked with significant domestic banks and international financial organizations like the European Bank for Reconstruction and Development.

Let’s Share in Fairness: What Share to Offer a Financial Investor?

To establish the amount of the share that can be offered for purchase to an investor, the company’s need for external funding must be assessed, as well as the cost of equity (the value of the company’s assets minus liabilities) at the time of discussions. Owners frequently include planned investment projects in their expenses, although it is unclear whether they will be carried out. As a result, you must first review the existing health of the business to determine what stake you can give to an investor. The company’s subsequent valuation, which includes the planned investment projects, will allow a potential buyer to evaluate how much the company’s worth will improve if the projects are completed.

How do You Understand if Your Business is of Interest to Financial Investors?

There are three reasons why financial investors are willing to put money into a business:

The first reason is that you have a clear departure strategy.

The evaluation of exit prospects is usually the first step in analyzing the investment item. To do so, the investor looks at the most recent deals in the industry and determines whether the firm has a chance of going public or being sold to a strategic investor (who wants to participate in the management and take control of the company). According to data, the most common method of exiting a project is to sell the company to a strategic investor, who typically has the following objectives:

1. Increase your share of the market.
2. Obtaining technological access.
3. Gaining access to human resources.

The company’s team must show it’s ready to develop existing areas and establish new ventures.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.