Category: Technology
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Role of messaging apps in enhancing a company’s market prospects
Business firms are always in search of new ways in which they can enhance the user experience of their customers. After all, that is the best way to retain customers in a market that is characterized by increasing levels of competition. Apart from maintaining strong lines of communication with their customers, business houses also need to promote their brands and products in an effective way without sounding too pushy. This can be only achieved with the help of a tool that creates strong ties of communication with the end-users while at the same time provides a creative platform for brand promotion. A messaging app is a great way to accomplish this and are light and easy to use. These apps come with numerous features that help in various tasks necessary for today’s businesses. By allowing a company to learn about the needs and preferences of their end-users, such in-app messaging tools really help to enhance the overall customer experience. The latest messaging apps are designed in such a way that they are not only convenient for day-to-day use but also perfect for keeping detailed accounts of customer conversations and transactions. A well rounded messaging app can be used on both desktop and mobile platforms for easy customer communication at any given time from any place. Since most people prefer to stay in touch these days via their mobile phones, a good messaging app needs to be made for smooth mobile use as well. Apart from offering the option for two-way communication via chat and messaging, these apps also allow a company to send emails and push notifications to their customers to let them know about the status of their account or orders and also about a product’s latest features. Over the last few years or so, in-app messaging tools have also gained considerable momentum as efficient email marketing tools. Email marketing is a direct form of marketing in which prospective customers send emails about products and offers that would interest them. A lot of research is carried out before sending such emails so that companies are aware of the kinds of products and services that are preferred by a specific customer. Messaging apps allow a company to learn not only about the personal preferences of the customers they are trying to appeal to but also about their personal habits through live interactions on the messaging app and analytics from their visits to the product or website. These messaging apps, therefore, make marketing automation easier and allow a company to make efficient plans for smooth marketing campaigns. If you are the owner of a business looking to find new ways in which you can garner customer satisfaction from your end-users, invest in a messaging app that will help you to communicate easily with them and implement effective marketing campaigns. By investing in such messaging apps, you will be able to enjoy greater ROI within a very short period of time
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Procedure To Download West Bengal Join Entrance Examination Admit Card
The WBJEE is the West Bengal Joint Entrance Examination which can be conducted for the West Bengal Joint Entrance Examinations Board. Every year May month the WBJEE can be conducted. The first step the candidates can get the application form in the specified center of the WEBJEE. After getting the application the candidate can fill all the details in the application form. The details are present in the true form if any problem created the candidates are not allowed to attend for the West Bengal Joint Entrance Examinations. If the candidates fill all the details in the application form and then submit the application form in the West Bengal Joint Entrance Examinations Board. You can get an alert to your mobile or the email to download the hall ticket on the specified site of the WBJEE. Some of the procedure available to download the hall ticket on the specified site of the West Bengal Joint Entrance Examinations Board. Every year the West Bengal Joint Entrance Examinations Board can conduct the WBJEE exam successfully. This will be the main popularity of the exam. The wbjee admit card was released on May 3. You can collect the admit card in the West Bengal Joint Entrance Examinations Board site. The West Bengal Joint Entrance Examinations Board (WBJEEB) was developed in the year 1962. This can be mainly established for the purpose of entrance exam for the UG (Under Graduate) admission. This entrance exam will be common for all the types of UG courses such as the Medical, Dental, Pharmacy, Architecture, Engineering, and Technology. This can be conducted for both the self-financing colleges and the government colleges in the West Bengal. The West Bengal Joint Entrance Examination is conducted in the sensible form. So, the students carefully attend the exam. The West Bengal Join Entrance Examinations Board can send the alert for the online exam on the Internet on December month. You can collect all the details in the exam. The entrance exam is included for all the type of admissions. Every year there are lots of candidates can attend the exams. They can get a better result for the exam. Dates To Be RemindsFor WBJEE Examination: The wbjee admit card can be released on the April 4 and May 5 for every year at the 30 Date of West Bengal Joint Entrance Examination is conducted on 17-05-2016 Date of West Bengal Join Entrance Examination Result Declaration on 05-06-2016 These are the important dates the candidates keep in mind. This will help to attend the West Bengal Join Entrance Examination properly with any kind of problems. Download West Bengal Join Entrance Examination Admit Card: The admit card is the entrance ticket for the West Bengal Joint Entrance Examination. If the candidates cannot bring the admit card to the examination, they are not allowed to attend the exam. The candidates can download the hall tickets on the West Bengal Join Entrance Examination Board official site, before the last of downloading the application. Step 1: Visit the official link of the West Bengal Joint Entrance Examination Board Step 2: On the home page of the West Bengal Joint Entrance Examination Board site can display the hall ticket download option. Step 3: You can click the cursor on the download option. Step 4: Now you can fill the required details to download the West Bengal Joint Entrance Examination admit cards such as roll number, password and some of the other type of details. Step 5: You will see the West Bengal Join Entrance Examination admit card in the screen. Step 6: Download the hall tick to take one printout of the admit card. If you can take a soft copy, this can be used for emergency purpose.
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How to Get Started with Arduino Uno R3
In this post, you will know how to get started with Arduino UNO R3 board by knowing about the specifications, applications, shields, and programming with the Arduino UNO R3. We all know that Arduino is an open-source microcontroller which acts as a prototyping platform with the help of easy-to-use software and hardware. The Arduino boards can do single and repetitive tasks like reading temperature inputs, light on a sensor, a twitter message, and provides output for activating a motor, publishing something online, or turning on an LED. You can send the instructions to the microcontroller board to tell the Arduino what to do. The Arduino UNO R3 board is the latest of the Arduino boards after Duemilanove and is the most popular microcontroller board among the engineering students. Specifications of the Arduino UNO R3 It has digital I/O pins to make a communication with external devices It comes with ICSP pins and an ATMEGA32 microcontroller The Analog pins and power pins are used to communicate with the analog world like sensors and to power up your Arduino A DC power supply connector of 9-12 volts comes with the board With the USB connector, you can connect your Arduino UNO R3 with computer Comes with 2KB SRAM and 1KB EPROM with a flash memory of 32KB Applications you can use the Arduino UNO R3 The Arduino UNO R3 board is very easy to be used for the embedded system applications. If you are not an expert in programming and still want to work in the environment of embedded systems, then the Arduino UNO R3 is the best option to go for the development of the embedded project. Some of the Applications you can use your Arduino UNO R3 board are: Robotics Wi-Fi and Bluetooth GSM based projects Ethernet-based projects and Many other applications Arduino Shields Arduino shields are the best companions of the Arduino UNO R3 board which can be used to do various tasks. There are a number of options from where you can buy the Arduino Shields, also, if you have enough programming skills, then you can build your own too. Some of the famous shields for the Arduino UNO R3 are: Wi-Fi Shield Motor controller shield Camera interfacing shield Bluetooth shield ZigBee shield GSM shield and much more How to program the Arduino UNO R3: You can download the free software Arduino IDE for the programming from the Arduino Website. The program is easy to install on your computer, just follow the simple steps on the site. The software provides you sketches for the different libraries like Ethernet, Bluetooth, GSM, etc. Click here to watch the video tutorial for the Arduino software download and Arduino Tutorials. The Arduino UNO R3 is an automatic circuit board which selects USB or DC power without the help of jumper! It is completely coded and pin-compatible with older Arduinos, so your old libraries, shields, and code will work with it as well. The 3rd revision of the Arduino UNO, the Arduino UNO R3 has a few updates including an upgrade to a USB interface chip with more breakout for the IORef pin and the i2c pins. It has a stronger reset circuit as well. The Arduino UNO R3 is a reference footprint model for the Arduino platform.
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The Selfie Culture: Should we be worried?
Selfie trend is spreading everywhere in teenagers and teenagers. If you visit Facebook or Instagrams you can see many selfies posted by teens. It is very rare that you scroll on Facebook or any social media site, and you do not find any selfie posted by teenagers. Research shows that 91% of teenagers daily post their selfies on Facebook. Selfie has become a harmless habit of teens. Selfie is not dangerous in actual, but it could be harmful in many ways. Parents should ask their children to avoid this habit of always taking selfies. Inform them about the risks they can face. Selfies and Self-Esteem Many teenagers think that before the trend of selfies they were extremely camera-shy. But now they feel confident while taking selfies as well as in normal life they are confident, but this is just the thought of teens. In actual, the craze of taking selfies is a reason for the development of poor self-esteem. A survey has been made which shows that 65% of teenagers think that selfies are a way of increasing self-confidence, 40% of them believe that social media is a good way to share pictures with others in this way, they can show their beauty to others while 53% believe that if their photos are posted by someone else, it makes them feel bad. On the other hand, American plastic surgeons declared that more patients are visiting them for surgery because they think their face does not look good while taking selfies. They are not happy with their pictures on social media sites. There is a story of a UK teen which shows you how bad is selfie habit? He left the school and stayed at home for six months and spends 10 or more hours in selfie-taking. In the end, he attempted suicide due to over craze of a selfie. Now you can understand how selfies hurt teen’s self-esteem. Read More: App Development Benefits: Here’s Why You Should Go Mobile Selfies and Your Online Reputation As some activities on the internet or social media sites can be dangerous for your children and selfie is one of them. Teens post and share their selfies on Facebook or any social site with their friends. This can have a harmful impact on their reputation if their friends give bad comments on their selfies it may also hurt their relationships. Teens focus on online reputation more than the real world, if someone hurt their reputation they may get emotional and can take wrong steps. So, sharing selfie can be very harmful. Selfie Safety Tips: Parents should discuss with their children that too much enthusiasm for selfie-taking is not okay. Also, the comments of people on their pictures should not be related to their reputation. Make sure that your child is using all the security settings in their social accounts. Explain to them that they should take care of their personal things and do not share selfies with strangers or person to whom they cannot believe. Only post those selfies on social media on which they feel comfortable. Read More: Google Getting Into Phones – And It’s Changing The Mobile Internet Best IPhone Spy Apps Without Jail Breaking Top 5 Digital Wallet Apps For Android
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How to Save Money on Your Maternity Wardrobe
Being pregnant is truly a blessing, even though it can be annoying and exhausting at times. This is the time when you spend hours doing research about what is best for you and your baby, and prepare your living space for an additional family member. Being a mom makes it a priority to stay healthy for the sake of you and your baby, but you also want to look good. Modern moms-to-be like to stay true to their unique style, and luckily this has never been easier. Do I Have to Change My Style? Remember seeing in the movies pregnant women dressed in what looked a flowy tent? This is because baby bumps were considered unattractive and women felt like they had to hide themselves until they get their pre-pregnancy bodies back. Luckily, those days are way behind us, and women all over the world are showing of their growing bellies and look amazing. You know that you will not be able to wear all of your clothes, but when going out to buy something new, choose items that wrap around your middle, since these will look stylish and will not restrict your movements. If you feel like hiding your stomach a bit, choose darker colors like navy or black because these will make you look slimmer. Read More: Yoga For Pregnant Women Layer Up! Listen, the more fabric, the less flattering it will look on you, so try to find a middle ground somewhere. The best decision is to layer up since you can choose the items and combine them to get the best look. All those lovely open-fronted cardigans and stylish denim or leather jackets can be worn over tunics, dresses, and jeans, and not only will they keep you warm but you can choose to wear ones in pastels or adorable prints which will show your sense of style and trends, but will still be wonderfully comfortable. The best thing is that you won’t have to go out buying new clothes, you can wear your old items and simply leave them open in the front. Remember, you will not be able to imagine life without your comfy maternity jeans, so choose them carefully. Thrift Stores? By All Means Yes! You are not going to be pregnant forever (thank God), so the clothes that you choose to wear n those months you will probably not wear later on. Instead of going out shopping and spending hundreds of dollars on clothes you will only wear for a few brief months. Try finding good maternity clothes on websites like eBay and swap.com; women who sell their maternity clothes probably didn’t wear them for a very long time and certainly don’t need them anymore. What you can do after childbirth is to collect all of your maternity clothes and simply give it to someone who needs it, or sells them to a thrift shop. This way you will not only be earning a few extra bucks, but you will allow someone in need to save a few as well. It is difficult not to compare yourself to so many celebrity moms and their perfect pregnancy and post-pregnancy bodies, but keep in mind that all of them have teams of experts to help them stay fit and get back in shape. What is important is to stay healthy and be comfortable, because your baby feels good when you feel good. Luckily, ‘comfortable’ does not exclude ‘stylish’, so go ahead experiment, and don’t hesitate to show off your lovely baby bump. See also 1. Wardrobe Dreams: Statement Pieces to Last
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Why Should you Consider Security Doors for Your House?
Each one of us is concerned about the safety of our family and our house and that is why we believe in having security doors in our properties in Melbourne. While there is a wide range of steps that might be taken for improving the security of your house, buying these types of doors is significant. But, you can’t just go to the market and buy these kinds of doors. There are certain important things which you need to consider before setting out to buy them. These things are: Not all the doors are equally created- you would wish to conduct proper research before purchasing them. You should try to look for the ones which are made with welded stainless steel or even iron. They should have tamper-resistant features and high-quality locks as well as strong hinges. You can also go for customized doors which are designed especially for your customers’ houses. These doors would not just make your house safe and secure, but they would even deter the would-be burglars who would know that your property is secured very well. Read also: Tips to an Adjusting and Fitting Bi-Fold Doors You do not need to sacrifice the appearance of your house for security reasons- while you think of the security doors in properties in Melbourne, you might think of the ugly, clunky ones which do not look nice at all. But, if you are going to buy them, you will find a lot of options when it is about style. Today, homeowners are able to find them in a wide range of colors, designs as well as finishes. For an appealing look, you may go for customized iron doors which are designed to perfectly matching the style of your property. Do not depend on the internet for this purpose- the internet is a wonderful place for shopping. But, it should not be the only source or even the primary source for your research. Once you have conducted some research on the internet and have got a general idea about the features you wish to have on your door, you should visit a couple of firms. Look for different models, obtain the price quotes and then take any decision. Even if you decide on buying them online, it’s always better to have a look at them in person. Buy them from a firm that also offers the process of installation- you would be probably installing them on your own. But, you might not be able to do it on your own that well. Also, poorly installed Buy them from a firm that also offers the process of installation- you would be probably installing them on your own. But, you might not be able to do it on your own that well. Also, poorly installed security doors would not do what they are expected to do in properties in Melbourne. A professional would definitely do a much better job of conducting the process of installation. He would ensure that the frame of the door is installed properly and also that it fits in snugly. Employing an expert for doing this job would offer you great peace of mind. Buying security doors is not at all difficult for homeowners in Melbourne. But, you need to take the decision carefully. Read More: Buying Your First Home In St. Louis Before You Forget : Things You Need To Consider Before Windows Replacement Secrets To The Perfect Bedroom Light
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How Developers Can Get More Out of Hadoop?
"Time is money" for every organization that seeks to spend time to market, anticipate, and hear requests of the clients and offer them new products and services. Handling data can become tough but Hadoop developers in India are handling it well with the help of big data processing tool. Such tools are extensively used by organizations to help businesses in acquiring real-time insights into the business. If you are also among those developers, you can make optimum use of Hadoop technology using the framework in many ways - 1. Move faster Just by switching to Apache Spark from data integration jobs built with MapReduce, you will be allowed to complete development jobs two and half times faster. Once the conversion of jobs is done, when you add spark-specific components for positioning and caching, you can enhance the performance five times than before. When you increase the RAM, you can do more stuff in memory and live a 10-fold improvement experience in productivity. 2. Get smart As you can process big data in real-time, it is still important to perform smart processing data in real-time. In order to enhance the IQ of the query, Spark leverages machine-learning, which allows customizing web content to triple the number of page views. It also enables you to deliver targeted offers that can help double conversion rates. This means you are driving more revenue along with delivering better customer experience. 3. No hand coding Developers can program anything discussed in this post in Spark, Java, or in Scala. However, there is still a better way. If you are relying on a visual design interface, your productivity can be increased by 10 times or even more. You can make a start by using a big data sandbox, with Spark. Ask for assistance from hadoop developers in India if you don't know how to start.
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What Makes a Web Hosting Good?
Deciding on a good web host is as important as setting up other business essentials, perhaps more. Be it a small set-up or initiation of a big venture, failure is guaranteed if you make an ordinary choice. So how do we make a smart choice for a good host? Every individual or a business would want to go with one which provides optimum performance with maximum benefits in all respects. Pricing, ease of support, complimentary features, etc. to mention a few. PERFORMANCE - Uptime is a great measure of how good a hosting provider is at keeping its systems up and running. A high uptime percentage close to 100% means they are putting in substantial effort towards superior performance. Disk space is the amount of space allotted to your website. Don't let it be limited if you’re planning to maintain cumbersome blogs, an e-commerce site, visual content & videos for your business. If a hosting company has difficulty accommodating that, it would reflect in your conversions. You sure need pure unlimited space for your website. Bandwidth is nothing but the amount of data your website will pass to the customer. Videos and graphics take more bandwidth than plain HTML. Ensure that you’ve got enough to support your website traffic. Page speed makes a difference when browsing through a website. It can lead to frustration and one might lose on prospects and clients if the speed is below expectation. Ensure that your website has good speed. Read More: Why Server Colocation Hosting in India is becoming more popular than Dedicated Servers? PRICING - You don't have to overpay. All your essentials can easily be met at $5 per month. If you are going with a free provider, be ready for limited usage (free hosts have their own usage restrictions). Before going in for a purchase, understand the pricing structure clearly. Down payment, recurring subscription fee and any other payment for add-ons. There could be instances when things might go wrong, in which case, you may want to cancel the host. It's important to know how your web hosting provider handles this. Does it offer any retention packages or has a well-defined refund policy. To get a discount on web hosting, you can visit the Shared Hosting Coupon site. When starting a website, you need to find a good domain name that represents your brand or business. It is typically sold for a price. Now if you are deciding on a hosting provider too, you might get it for free. SUPPORT - The internet is always ON. Ensure that you get an excellent and preferably a 24x7 customer support. If possible, test the response of the hosting provider before you indulge in any long term contract. Online chat service provides an instant resolution, unlike emails or tickets. Opt for a hosting provider that has a user-friendly and a functional control panel. You would need this, at least for some basic changes that you can do on your own. Also, get your business name and address displayed on the hosting provider website for appropriate visibility. Let’s make our choice easier by looking at the infographic below -
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Top Five Alternatives to MegaUpload in 2016
Hello Friends, as per the BBC News one of the largest file sharing site MegaUpload has been shut down by federal prosecuters in virginia. The Founder Kim Dotcom and three others were arrested in New Zealand at the request of the US authorities.The Site was accused for illegal pirated stuff uploading from all over the world and it was shuted down.Its a very Bad news for the Uploaders and bloggers which used Megaupload for sharing their files and if you had a purchased a premium account there than your money is gone too.But We will have to accept the fact that its now gone and maybe its gone forever.So today i thought to present the list of Five best alternatives of MegaUpload. Top Five Alternatives OF MegaUpload 1. Rapidshare After the shutdown of megaupload, The next File sharing website that came into my mind was Rapidshare because it too allows you to upload large files and send link to your friends / readers to download them. First register at Rapidshare and then after doing that you can upload large files and keep them stored for as much time you want. After your file has been uploaded you get a short URL that you can send to your friends so that they can download it from any part of the world. The Rapidshare also gives a RapidPro membership option ($13/ month to $130/ year) in that your files will never expire and your files will be encrypted and you will be able to download your files instantly without waiting. 2. Mediafire Mediafire offers one of the most simplest methods of uploading files , just drag and drop.They offer unlimited file storage but you are limited to upload files no longer than 200MB at a time (With Free Account). Your files will be active for a short period of time (usually a month). But if you can buy a Mediafire Pro account ($9/month) Than you can upload files upto 2GB at a time and they will never expire, They will be ad-free and Mediafire Pro also allows your Readers/ Friends to upload files for you so that you can review them later. Also Read:Tips to Choose the Best Inventory Management Software] 3. YouSendIt You Send it offers users a very fast way to send Large Files to each other without filling the inboxes of each other.You can sign up for a free service but the free users have to deal with ads,But You get 2GB of storage and you can upload files no larger than 50MB at a time.After Uploading you can share them with anyone and send them as email too by attaching the YousendIt link of your file. Yousendit also allows you to download or upload files via your mobile devices too.They Provide two premium plans. 4. Minus Initially Minus only provided image sharing facility to the users but then turned into one of the finest file-sharing site providing users with easy drag and drop facility and send short URLs to your friends for downloading those files.Just sign up for an account there and you will get 50GB of Storage and upload files up to 2GB at a time without worrying about there validity. Minus also provides there users with the facility of Mobile apps and browser extension to make sharing and Downloading Easy. Also Read:Rock the Ball – A challenging Brain Teaser] 5. Google sites Surprised..? Yes, Google Sites too can be used as a file-sharing site. In fact, I am using Google sites only for sharing files on this blog. They provide a very convenient method of uploading and sharing your files and the most amazing thing about it is that it is free. just make an account at google sites and make a site. There’s no need for customizing the site. When your google site is setup. Go to your site dashboard and then in the left sidebar click on upload and then start uploading. That's it, once you have successfully uploaded your file you can send it to your friends, attach in the mails, or whatever you want to do with that.i, will explain the whole method in more detail in my next article…stay tuned. Read More: The Importance Of SEO Based Digital Marketing Services Avoid These 5 Mistakes Before Starting An SEO Improve Your Local SEO Via Content Marketing
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Patient Portal Development Company Addresses Technology
Healthcare industries are focusing more on technology and better patient engagement to fuel the population health. But for the patient portal development company, it is necessary to address the technical shortcomings as well that limits interoperability for healthcare systems. Once all technical and political barriers will be considered well then it would easy to make better healthcare decisions effectively. Till now, healthcare systems are more rhetoric than real but making them result-oriented is still a challenge. The healthcare industries usually try to make patients more engaged and empowered otherwise any patient portal will not work at all. Patient engagement will struggle with certain political and technical barriers as information access may be challenging for consumers. Some of the main barriers in healthcare technology adoption are interoperability, data access, non-incentive payment options, etc. Here, this is the responsibility of the patient portal development company to address the technology shortcoming for better interoperable healthcare systems. There is not only a single place where you can download health records so you have to be cautious when working with external data sources. But the problem is people always want easy solutions that can be availed with a single click only. TO make data access that much easy, it is easy to work on big data analytics for better record management and organization. To bridge the gap between healthcare industries and patients, patient portal development company has developed better consumer-driven systems that completely focus on customer requirements. Further, it is necessary to aware people about the benefits of better patient engagement to improve the overall quality of care and healthcare services. According to the latest research and study, better consumer engagement improves health outcomes and reduces overall costs too. Experts have also defined strategies to address various technical barriers in most effective without putting many efforts and cost investments. Read More: Best Therapies To Cure Pain And Discomfort Using Digital Signage To Improve Your Business Top 6 U.S. Universities That Offer Health Science Course
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4 WordPress Plugins to Make Your Blog More Powerful
Starting a blog is one thing, but making it successful requires a lot of creativity and dedication. The blog is considered as an integral part of the lead generation process because it not only converts a random person to a potential lead but also helps him make better decisions. It is due to the reason famous B2B companies Cloudways and Design Mantic believes in doing effective blogging. These companies are not only writing blogs to promote their services. But, they are producing remarkable content to quench the thirst of their prospects. And, this is where WordPress serves as a tremendous CMS. If you are running a WordPress-hosted blog and looking for results-driven plugins, then you have reached the right place. Here, I will reveal some of the most amazing WP plugins that will take your blog to the sky in no time. So, here you go… All in One SEO Pack If you are eager to make your blog successful, make sure to satisfy search engines. However, it is only possible if you are using an appropriate SEO friendly plugin for your WP hosted blog. Despite of hundreds of plugins, I prefer All in One SEP Pack. The reason is quite obvious. It is easy to use, extremely effective and helps in optimizing the content through brilliant use of targeted keywords. Therefore, if you haven’t been optimizing your blog for search engines, then it is a perfect time for you to download this plugin for better outcomes. Akismet When running a blog, it is extremely essential for you to keep it protected against spammers. Because once you become the victim, you will have to go through some serious problems as far as the rankings and traffic is a concern. To help resolve this issue, Akismet is a highly recommended anti-spam plugin for WP users. The best thing about this plugin is that it picks the spammers quite early and stops them make any unwanted activity within the blog. It is because of this reason I would suggest you install Akismet to your blog right now. SumoMe Running a blog without social sharing buttons is like writing a book and keeping it at home. Remember, attracting thousands of visitors to a blog won’t maximize the effect until you install a social sharing plugin. For this, I would strongly advise you to use SumoMe. Industry influencer and a great human being Jeff Bullas also use SumoMe to help his readers share valuable content across all the gigantic social platforms quite easily. So, what are you waiting for? Hello Bar I believe that there is no other plugin better than Hello Bar for generating leads. I have been using this plugin for quite some time and it really helped me improved the figures quite drastically. There are two factors that make Hello Bar a legit choice for lead generation. The first one is its compatibility with WP and the second one is its attractive interface. If you are desperately looking to attract more potential customers, then I would suggest you use Hello Bar as a vital source. Read More: 7 Reasons Why You Should Be Using A CDN With WordPress WordPress Developer: Job Profile And Key Responsibilities Bloggers, Beware! Blogging Mistakes You Should Avoid
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Tech Challenge for Lenders – UMDP Data Standardization to Aid Closing
The mortgage industry overhauled its processes and technologies with the TILA/RESPA Integrated Disclosure (TRID) Act rolling out. Technology initiatives that created competitiveness between banks soon became the norm. Compliance needed to move north. Now, automation has made paperless mortgage a reality with loan origination software, retail point of sale, customer-direct solutions, and electronic documents providing complete end-to-end support. Regulations are constantly changing and lenders, still in their TRID hangover, need to do more. What is UMDP? In the pre-recession era (before 2008), borrower and loan information was sourced and stored by different agencies. Siloed information hindered different players from accessing true data and it was usually shared by email. This resulted in errors and insufficient access to data in the banking system. Uniform Mortgage Data Program (UMDP) is the last leg to the realization of the electronic mortgage. Just as TRID brought in enhanced data quality in the origination, UMDP will improve data standards in closing disclosures and data interpretation. Government-sponsored enterprises (GSEs) have indicated, come 2017, they will refuse to buy loans that fail to conform to the Uniform Closing Dataset (UCD) standard. The Federal Housing Finance Agency (FHFA) is directing government-sponsored agencies (GSEs) to create a common approach, protocol, and data set for mortgage data. The common data set, which is understood by all, will improve data accuracy. Definition ambiguities of loans purchasable by GSEs can be avoided. The lenders can capture granular data of a particular standard. The Uniform Collateral Data Portal (UCDP) will be one electronic portal through which all lenders can submit appraisal data. The Uniform Appraisal Dataset (UAD)will provide common definitions and requirements of appraisal data. The Uniform Mortgage Servicing Dataset (UMSD) will define the data set with standardized definitions, formats, and values. The Uniform Closing Dataset (UCD) will provide standard data for the closing disclosure form. UMDP may have bestowed the entire industry with mortgage data becoming uniform and accurate, but the upgrades rigmarole still worry lenders. However, GSEs have chosen to be capable of verifying underwriting data and audit data anytime. Customer preference lies with a seamless closing process and the impetus for lenders will be to transition into e-mortgage. Fannie and Freddie have already announced that they will purchase loans if the appraisals were submitted electronically and met the UAD standard. Technology vendors are already ensuring that their solutions transform appraisal information into data compliant with the Mortgage Industry Standards Maintenance Organization (MISMO). Manual processes are slowly fading and lenders are going to cloud-based mortgage origination and servicing software. The entire process needs to be seamless to ensure compliance from origination to closing. Today, the challenge for loan origination software is compliance, but tomorrow the focus will be imminently on collaboration. It will be important to have data which can be shared and understood by all. Standardization helps loan originators and customers to access data from diverse sources and interpret them effectively. Data standardization is the key driver for e-mortgage and paperless origination and closing. UMDP will be the “new normal” and help the industry to standardize their processes for better visibility and faith in the system. Preethi vagadia is a business architect worked in Mortgage and Finance software department with top notch companies and has over 8 years of experience in Mortgage Lending Technology,Mortgage Technology software, mortgage management software, etc. She has also worked on several process improvement projects involving multi-national teams for global customers in warranty management and mortgage.
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