Human Life is Changing – Invisible Tech Revolution

The technology of our time is evolving at a greater speed than ever before in the history of mankind. We may not be realizing the impact it is having in our daily lives. Be it our smartphone, tablet, or anything we cannot simply imagine our life today without these gadgets. The question is, how can we use these gadgets to make life better and not loose too much of our time and efforts into managing it?

As we have evolved, so do these technologies. They are no longer just a piece of plastic and metal but now they exist virtually everywhere in the form of Apps and Software-as-a-Service, commonly called SaaS. Some examples are WhatsApp like messaging apps, Zomato like food ordering apps, Uber like ride hailing apps, through SaaS services like Gmail for email, PayPal for digital payments, and Netflix for video streaming services.

It has been evident that life has now become more dependent on these technologies and apps. Futurists and industry experts call this phenomenon as the invisible technological revolution, which is transforming future lives.

Artificial intelligence is one such futuristic technology that has become more practically used now, thanks to the advent of modern applications of AI like Zine and many more practical applications. Most of the apps are now built with AI capabilities to be future ready and be more useful to its users.

Benefits of Planning your Bill Payments

Life is always busy for most of us especially when we live in the metro cities with the ever growing expenses, time-demanding traffic, and competition. As a result time management has become a difficult task. Working hours have become strenuous.

However, if we put some little time every month to plan our payment due dates, we will surprised how much we could save! That’s true, it is important to schedule and plan the payments to gain efficiency. Besides saving us time and money, it will give us peace of mind and benefits of long-term which will result in better quality of life.

A Penny Saved is a Penny Earned !”

Benjamin Franklin

As we all know, planning the payment is not an easy task when we don’t run on a planned budget or when the financial status is not going well. All our lives have ups and downs and it is very important to not loose focus on the financials to protect ourselves from loosing more. Nobody wants to miss a due date and pay the penalty fee, get negative score on credit systems, or loose peace of mind answering to phone calls from the billing companies. There is a simple and effective solution – Planning Ahead.

Let’s explore the benefits and soon, in another post we will write how to plan effectively.

1. Saves you real money

Managing payment due dates allows you to save money by not having to pay the penalty fee, by avoiding multiple trips or last minute cab trips to the merchant, avoiding payments at 3rd party payment centres that may cost you additional processing fee, and finally and most importantly utilizing your card, discount vouchers, and loyalty program benefits. Note, with most merchants and banks you may also expect some reward points, discounts, or cashback if you set-up  automatic payment method. Certain credit card may even have up to 5% to 10% discount with utility bill payments. Such collected reward points and cashbacks accumulate over time. This means you have the liberty to spend it in any way you desire either it be your dream vacation or an important expenditure. So why not take the golden opportunity and use it to one’s advantage?

2. Provides peace of mind

By planning due dates well ahead, you can reduce stress.  There is no pressure to keep track of payment dates and worry about timely payments. The automatic payment plan can be of great help. Your bank or credit card will handle it all. It also saves a lot of time which can be invested in much cooler activity!

3. Improves your credit score

When our credit card payments and loan EMIs are paid on time, our credit score with the centralized credit rating agencies will improve and we will become eligible to apply financial products such as credit cards with cashback offers or loans such as mortgage loans or personal loans.

4. Helps to focus on important objectives

Planning payment due dates can help to improve your performance. You will be able to focus more on important commitments and give your best without having to worry about petty issues. Good peace of mind means that you can focus on your important objectives and ensure ways to achieve them in the finest possible way.

5. Helps stay within budget and avoids debts

With an efficient planning in place, we can control our budget. Planning helps to identify if any early action needs to be taken to make payments such as cutting down unimportant expendure before it happens. Most importantly, it may help you avoid borrowing whether it is from friends and family or bank like financial institutions.

6. Tracks spending and helps to improve financial status

Planning can help to track spending and identify places where overspending is being done. Categorizing purchases along with managing a spending journal can assist to avoid extra spending and justify each purchase. After all, every penny we earned with our hard work is worth protecting it. This is the best way to build our wealth that will lead to financial freedom and a better life.

Overall, planning exercise can be a milestone in ensuring financial well-being. Planning due dates will help financial health and long-term benefits. It will also improve time management and planning skills. Moreover, it also allows the brain to be more focused and make well-informed decisions.

Let’s start planning our bill payments and start saving!

Please share your thoughts and tips in the comment section to help us and other readers learn more.

The Launch of LZine


The Launch of LZine – Your Very Own Intelligent Assistant  

Dubai-based company LZine Technologies is launching an Intelligent Personal Assistant that will help UAE residents and travelers with daily life information and activities. The company is launching its flagship “LZine” platform in Abu Dhabi and Dubai cities by early 2018.

LZine is a digital platform which will host the character Zine, who will become closer to a user over a period, like a natural friend. ‘Zine’ is the name of the LZine interface as seen by consumers – a characterized and interactive interface. It will offer customized & personalized information & services to people by learning the user and their needs.

The company is backed by in5, a Dubai based well reputed accelerator under the Dubai Government initiative, along with seed fund investments from Dubai entrepreneur Ganesan Muthiah.

As of the beginning of next year, LZine will be first introduced in Dubai in January, followed by Abu Dhabi in March 2018. Zine has extensive knowledge about these two cities that is of utmost relevance to residents, expats and visitors. Not only is LZine an information portal for the city, it is also special because of the integrated services it provides. What makes this application unique is its ability to address the different needs a person may have in their day-to-day lives and satisfy all those needs through one medium.   

Zine does not have to be addressed for it to help the user out. All it would require the user to do is input their preferences, and Zine will be able to learn people better the more it helps them. LZine is focusing on giving consumers easy accessibility to Zine through their handheld devices, particularly mobiles. Moreover, LZine’s products,, and the UAENext website will consume the company’s information and services. Thereby, users can also access Zine by logging on to the web portals.

Further to the Intelligent Personal Assistant Zine, LZine will provide exclusive platforms for businesses, in the form of LZine for Business (LFB) and LZine Business Solutions (LBS). The focus of the business platforms will helping organisations with professional activities like Travel Management, Employee Benefits Program, Employee Expense Management, New Employee On-boarding, and much more.  

The LZine venture is an initiative of Arun Ramachandran and Bharath Manoharan, two believers in the limitless possibilities of technology who were eager to use that to help the society and make human lives smarter. They relocated from India to UAE in 2013, and during that period, came to realise the vast differences in living in both these countries. They also came to understand the massive expat population of UAE, and the need for something to simplify the moving process and the make the lives of existing and new residents easier. That realisation, combined with their quest for creating a city information portal, gave rise to the idea of a digital friend for every person to help them with their daily requirements. Thus, LZine was born.   


Key Metrics Every Growing Business Must Pay Attention to

Entrepreneurs today are proficient at launching a start-up, with innovative ideas and charmed investors. With the thrill of launching a business, however, founders often fail to analyse key metrics that give insight into business growth. This ignorance is often the cause for failed start-ups.

While there is no cheat code to a successful start-up, there are a couple of important metrics that hold good for any industry. Three of them that every growing business absolutely must look out for are:

Cash Flow

Tracking every penny to enter and leave your company coffers is vital to sustaining a business. Money comes in through investor funding and sales revenue, while cash flows out through company expenditure. Remember, incoming cash is not profit. This confusion often damages companies irreparably.

Run periodic cash flow reports to analyse how much revenue is being made against the amount being expended. These reports are baselines for sales teams who should push to achieve realistic targets. The money left after negating expenditure from cash inflow is the company’s net profit.

Employee Satisfaction

Although not a tangible metric, employee satisfaction is vital to a growing company. They are, after all, the ones who run the show. Start-ups often hire lean in order to cut back on expenditure. This results in overworked employees, which can be cancerous for any company.

Annual surveys and feedbacks are simple methods to gather employee feeling towards the management and the company as a whole. Monthly managerial meets is another great way to boost employee morale. Both these options cost little to nothing and are easy to implement.

Startup founders sometimes pay all attention towards clients and fail to notice problems arising within. Remember, a happy worker is a productive worker, which will ultimately lead to a happy customer.

Customer Retention

It’s better to have one happy client, than ten frustrated ones. Retaining existing customers is more important than roping in new ones, although the opposite often seems more lucrative. More customers equals more income, right? Maybe, but ignoring existing customers can lead to negative reviews which will finally lead to no customers.

It can be thrilling for a new start-up to chase as many potential clients as possible, in an attempt to build a large clientele. A small company with a large customer base will always find it challenging to divide time and effort equally, leading to imperfect service and dissatisfied customers. Stick to giving hundred percent effort towards existing customers, before looking out for new ones.

Why Negative Feedback Should be Viewed Positively?

Reacting harshly to negative feedback is a by-product of our egotistical nature. We are, after all humans, and we hate to be told we’re wrong. Employees especially detest negative remarks from management and this often leads to low self-esteem.

Let’s face it, there’s no avoiding negative feedback. Irrespective of the industry you work in, or the level of experience you possess, you are bound to falter at some point in your career. You will no doubt get defensive and feel the need to justify why you did what you did. Arguments could break out and the tension will only add to a negative experience.

Negative feedback, however, when viewed as constructive criticism can become empowering. Learning to accept negative criticism amiably and working on using the feedback to improve is a good attitude to face life with.

Giving Negative Criticism

As a manager, or a team member, you might be hesitant to critique a co-worker. It is after all an awkward conversation. A good way to break in negative feedback is by first asking permission. A simple “Can I give you my opinion?” will pave the way for a better conversation.

Be specific about what exactly the problem is rather than beating around the bush. Giving negative feedback should be like ripping off a band aid, quick and effective. Offer suggestions on how they can improve and always maintain a calm composure and tone.

Accepting Constructive Criticism

First and foremost, do not get offended. Negative feedback can feel like a personal attack, but is never one. It’s your work that is receiving criticism, not you as a person, so relax. Hear the person out and give their opinion a thorough thought.

Do not get defensive and lash out with excuses. The mistake is done, excuses aren’t going to change that fact. Accept the negative feedback graciously instead, and promise to strive on improving that part of your work.

View criticism as a source of improvement. We are too close to ourselves to see the flaws in us, and often need an outside stimuli to bring about improvement. Do not let negative feedback bring down your self-esteem; let it instead be a source of betterment.