Category "Business"

3 min read

Opinions expressed by Entrepreneur contributors are their own.

WhatsApp has been experiencing a lot of heat since releasing the latest privacy policy updates. The Facebook-owned company has been pushed back by many users with privacy issues, and people are looking for other ways to WhatsApp. Are Signal and Telegram good enough to uninstall WhatsApp? We find out.

WhatsApp has updated its privacy policy, which allows other Facebook-controlled companies to access WhatsApp user data.


Adopting the new policy

Should you accept the new policy? That is up to you, and it can be very frustrating if you live outside the European Union or the UK. It may be that the data sharing that worries you, or that you may be too tired for your data to be shared or sold for the benefit of big companies like Facebook.

While Facebook has always been skeptical of user data misuse, the new WhatsApp privacy policies raise many questions about its security and data privacy. While some WhatsApp apps are preferred for better security, are they fit enough for your daily social messaging app?

Both the Telegram and the new Signal (approved by the richest man in the world, Elon Musk) are considered the best, given WhatsApp methods and the security features offered.


Is the Signal App better than WhatsApp?

Unlike WhatsApp, Signal has the option of writing a “note to him” rather than having a one-on-one group to send notes. Users can also use the “note to self” feature while chatting with other groups. Apart from this, the Signal app also allows users to transfer their voice calls to the app’s servers to hide their contacts’ identity. Apart from this, Signal also collects much lower user information compared with WhatsApp. When WhatsApp collects a large amount of data including device ID, user ID, phone number, email address, contacts, advertising data and payment details, Signal only collects user phone numbers.


Is the Signal App completely safe?

Signal has quickly become the most downloaded app on the Apple App Store. It uses the open-source Signal Protocol to use end-to-end encryption. End-to-end encryption to encompass all types of communication like WhatsApp. Going one step ahead, this application continues and encrypts user metadata. To protect user data, Signal has a “sender” feature in which no one will be able to detect who is sending and receiving messages. This application encrypts all files with a four-digit login, and users can also get a local backup. This application also encrypts group calls.

With Signal, you have no private conversations, but instead, you can open disappearing messages and set a time when the news will disappear. Notifications can be passed on to others even if the disappearing message feature is turned on in Signal.

Stickers: You don’t get animated stickers on Signal, but you can still send your stickers with standard emoji.

Polls: No voting features available on Signal or WhatsApp yet.

So if you choose any of these messaging apps, do figure your priorities and their functionality beforehand. Messaging today has become very much part of our lives and thus deserves the best of user experience always.


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These solutions offer a personalized way for employees to learn and grow as per their needs

4 min read

Opinions expressed by Entrepreneur contributors are their own.

In today’s digital age, artificial intelligence (AI) has found its applications in almost all spheres of life and business. In a time when organizations find it increasingly challenging to upskill and reskill their workforce, they are adopting AI to deliver effective corporate e-learning solutions. These solutions offer a personalized way for employees to learn and grow as per their needs. There are many ways AI helps to facilitate the overall corporate training and development experience.
Personalized learning journey

Today, the one-size-fits-all approach does not work when it comes to training the millennial workforce. People have different learning needs, preferences, adaptability and output. Thus, organizations make use of AI technology to track individual performance and collate data based on their overall progress. The data helps organizations update e-learning curriculum and accordingly assign to learners per their pertinent needs. As a result, the AI-enabled corporate e-learning approach goes a long way towards bridging individual skills-gaps, enhance performance and personalize the overall journey.

Continuous feedback and improvement cycle

No learning and development journey can be effective without due assessment, feedback and improvement. AI automates the process of performance tracking, reporting, and testing new permutations and combinations to solve different problems. Thus, learners have near real time feedback based on their performance. This feedback is data driven and can be much more objective compared to a human trainer’s feedback, who might miss finer details. It helps learners understand their strong and weak areas and further in the right direction.

Addressing the queries

The smart AI technology can also address the problems of e-learners in real-time. One of the significant difficulties that learners face during traditional online corporate training sessions is the inability to clear their queries when they need it. It may be due to the absence of a live instructor. Thus, by incorporating AI technology with e-learning content, the lack of a human trainer can be addressed to a great extent. Learners can ask questions from the AI assistant and get relevant answers.

More accessibility and inclusion

As organizations aim to become more people friendly and inclusive, the new-age learning management solutions powered by AI technology can help train learners with disabilities. For example, such e-learning solutions can convert spoken language into transcripts for learners with hearing disabilities or vice-versa for those with visual challenges. Moreover, AI also works as a smart assistant to provide voice-based content for the ones who have mobility problems. Thus, learners engage more, can collaborate with their peer group, and become more effective at work.


AI enabled e-learning produces and analyzes training data. These data patterns could be deep and rich enough to be beyond human processing capabilities. Using insights from analytics, organizations can further align the right kind of learning to the target audiences depending on their job roles, preferences and training needs. In a way, we can say that the corporate learning system improves itself for better results.

With rising waves of digital disruption, AI is continuously emerging as the core technology to deliver corporate e-learning solutions. Most of the new age e-learning programmes are automated with AI technology. These programs include tests, short quizzes, and gamified group exercises. These help to boost learner engagement, bridge knowledge-gaps, increase return on investments, and improve business productivity. Eventually, AI is shifting from relevancy in technologically advanced areas to affecting significant industries such as Automobile, Aviation, Retail, Healthcare, and so on. With innovation in AI learning models, next-generation learning platforms can create an immersive environment for new-age learners. As a result, this ensures that the overall experience becomes more engaging, personalized, and better for every learner.

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4 min read

Opinions expressed by Entrepreneur contributors are their own.

Most of us are familiar with the concept of being an entrepreneur. It can be a challenging path, and understandably, not everyone wants to take on that responsibility. But what if we could encourage that entrepreneurial spirit in our employees? The situation is potentially win-win – for the employee and for the company.

Intrapreneurship is the system wherein the principles of entrepreneurship are practiced within the boundaries of a firm. An intrapreneur is a person who takes on the responsibility to innovate new ideas, products and processes or any new invention within the organization.

Here are three reasons why intrapreneurship is important to long-term business success.

Related Links: Big Companies the Embrace Intrapreneurship Will Thrive

1. Employee engagement

In Gallup’s 2016 Meta-Analysis Report, the results showed that employee engagement consistently affects key performance outcomes like company profitability, regardless of the company’s industry.

Jim Harter, Ph.D., Gallup’s chief scientist of employee engagement and wellbeing, says “Employee engagement continues to be an important predictor of company performance even in a tough economy. When you ask people about their intentions during a recession, it’s pretty clear that disengaged workers are just waiting around to see what happens. Engaged workers, though, have bought into what the organization is about and are trying to make a difference. This is why they’re usually the most productive workers.”

And how do we create engagement?

Intrapreneurship can be an effective strategy to keep millennials engaged at work.

If an intrapreneur sees that their idea is valued by their organization, it leads to a feeling that they can make a positive impact on the company’s future, ultimately heightening motivation. If you then, also, implement a system that rewards innovation, you have employees that are incentivized.

Related Links: Here is How Companies Can Promote Intrapreneurship

Continuous idea flow to remain competitive

If only a few people within an organization, such as the senior leaders and C-Suite, are able to come up with ideas and implement them, this severely limits the potential for innovation that a company has. In many cases, senior leadership is far removed from the end user and their wants and needs.

Intrapreneurship draws on a larger pool of ideas consistently. Innovation, rather than being a process that happens one to two times per year, needs to be a way of life in order to really reap the rewards.

Take Google for example. Its intrapreneurial successes have included: Gmail, Google News, AdSense, driverless cars and Google Glass.

In order to make it work, a focused approach to innovation needs to be taken. There needs to be a system in place to assess the ideas, and budget and time allocated to employees developing them and proving “proof of concept.” 

Related Links: 4 Ways to Build a Culture that Supports a Future-Proof Business

Crucial to long-term sustainability

According to Deloitte, 88% of Fortune 500 companies in 1955 are no longer present in 2015. To understand what needs to happen to make sure you are around in five to 10 years as a company, you can draw inspiration from highly innovative companies and observe what they are doing.

Do you remember the search engine, Ask Jeeves? I do, just about. You cannot find it anymore. Google might not have been the first search engine, but it has certainly stood the test of time.  

Companies often learn the hard way about the importance of this. Complacency or staying in your comfort zone is not something any business can afford these days. The behemoth, Blockbuster, is a good example of what happens if we don’t foresee trends. This is even more important nowadays as technology exponentially increases the pace of change.

It is time that companies really asked themselves the question of what they are doing to encourage intrapreneurship. And more importantly, what is the lost opportunity cost of not encouraging it?

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The real estate investor and motivational speaker discusses taking on the new season of ‘Undercover Billionaire.’

4 min read

When Discovery challenged Grant Cardone to ditch his money, contacts and resources and try to build a $1 million company in 90 days, he declined. He said he’d build a $10 million company instead.

The motivational speaker, real estate investor, author and Entrepreneur contributor is one of three contestants on the new season of Undercover Billionaire, all racing to grab seven figures first. His opponents are Elaine Culotti, a real estate developer, interior designer, builder and founder of House of Rock, and Monique Idlett-Mosley, the founder and CEO of technology fund Reign Ventures. We caught up with Cardone to see how he approached this challenge, and how his strategy did or didn’t vary from his usual plan of attack. 

Did you have a plan, a grand vision of what you became when you first started out? 

Yeah, I had a grand vision…rather than build a $1 million business in 90 days, I was going to build a $10 million business in 90 days! 10X goals solve all problems. When the goal is big enough you will figure out the strategy. 

Related: ‘Undercover Billionaire’: The 3 Questions You Should Ask Yourself Every Day

Is that how you approach all projects?

It is my belief and experience that most people come up short on their goals and then quit because the payoff is not big enough. 10X is a business strategy, and it is a proven way to solve scaling problems. Most businesses fail because they are too small, they think too small, their reach is too small and their income is too small. Building a 10X business is pure math. Follow the math. Follow the money. Do the work. I am not following my passions or what I love to do or even what I am good at — I am following the goal. 

What do you think was vital for you to achieve this level of success?

Courage, creativity, commitment, conviction, consistency and confidence. I know how to grow and scale while being broke because I know it does not take money to make money. That idea is a myth. When Discovery gave me $100, the first thing I did was deposit it in the bank so I couldn’t touch it. I don’t need money to build a business. I need people, not dead presidents. Money is made when you make contacts with the right people who want to make money.

What do you always advise people who are just starting out? 

What do you look for when people are pitching you for investment?

I am looking at the person before the idea, the concept or the proposal. How do they operate? How do they spend their money? Do they own a home, a car, Gucci belts? How do they communicate? What does the deal look like? Do they think big or small? I am measuring the operator more than the investment. 

If you were truly starting all over, do you think you would follow the same path?

I would not go to college unless there was a billion-dollar payday. I would only look at industries that have massive payoffs, and I would ignore my passions and what I am comfortable doing and instead figure out how to get into a space that has massive volumes and margins. 

Entrepreneurs always talk about embracing failure and learning from it. Do you agree? And does it make it a little harder to do when there is a camera in your face?  

I try not to learn from my own mistakes, I try to learn from the mistakes others make. That doesn’t mean I don’t make mistakes. I make many, but that is not the way I learn. But when I am starting a business or buying real estate, I can’t afford to make mistakes. I have to make it work. Having cameras on me while I was doing this show just put more pressure on me to perform. No one wants to fail, but no one wants to fail when millions of people are watching. 

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7 min read

Opinions expressed by Entrepreneur contributors are their own.

I once had a former manager who wanted us to post, share and comment on any and every cultural moment. He would be outraged when we missed something. He would fill our inboxes and text us screenshots of what other brands and companies had done.

“Are we going to wish people a Happy Ramadan? It’s a big miss if we don’t.”

“It’s the Super Bowl. There’s nothing more American than football. What’s our plan?”

“It’s Cinco De Mayo. What should we say?”

How about we say nothing? Let’s just say nothing at all. Please.

In our always-on “attention economy,” we are drowning in a wealth of information, which continues to demand more and more of our attention. Since the start of the pandemic, our collective digital attention has only grown: 50 percent of consumers have been online more. Whether it’s Twitter, Facebook or Instagram, we scroll endlessly on social media, glued to our phones.  

And with the democratization of content creation, anyone can create that next video, that next post, that next tweet, that can go viral. So it’s no surprise that brands are under intense pressure — to be clever, to be on point, to be breakthrough, to stay relevant and to build lasting connections with us.

McDonald’s separating its golden arches to promote social distancing. One United Bank sharing a new debit card design featuring Harriet Tubman making the Wakanda forever sign. The Gap creating a half blue and half red hoodie to create unity post-2020 presidential election. Brand after brand trying to connect with us in “these moments that matter.”

And most recently, Tropicana urging stressed-out parents to stash orange juice and champagne in hidden mini fridges to deal with parenting in a pandemic. The backlash was swift, with consumers outraged that the brand would glorify alcohol usage as a coping mechanism, normalizing alcohol abuse by parents.

“We want to apologize to anyone who is disappointed in or offended by our recent campaign,” Tropicana wrote. “The intent behind it was in no way meant to imply that alcohol is the answer or make light of the struggles of addiction.”

Tropicana’s mimosa campaign might have been one of the last mishaps we witnessed in 2020. It also serves as a reminder of the pressure brands will continue to be under to get it right in the new year. With so many of us glued to our phones and at home in this pandemic, we are tired and frustrated, and tensions are running high. We might be less likely to be as forgiving when brands make mistakes, ready to unleash our feelings on Twitter.

Related: What to Do When You Wake Up to a PR Crisis

So what’s the No. 1 thing brands can do to avoid public outrage and cancel culture? If you have no place to authentically enter the conversation or connect with that cultural moment, don’t do it. Sit in your FOMO. Do nothing. Sitting on the sidelines for that moment could be the best decision you make in the new year.

As we enter 2021, here are three questions we as leaders should be asking ourselves when it comes to our brands and moments that matter:

1. Why are you applying pressure?

To be in relentless pursuit of great content is one thing. To decide you need to suddenly create a social post on the afternoon of Black Women’s Equal Pay Day is an entirely different thing. When there’s no thought or preparation, mistakes are made and brands start to wade into the pool of “cancel culture.”

As someone who was once a junior marketer, I have felt this intense pressure from senior leaders. Leaders who don’t want to spend the time being proactive and are constantly reacting to what they see on their social feeds. This can serve as a source of inspiration, or it can send us into a death spiral, where we are constantly chasing what others are doing and being copycats. Sometimes we end up duplicating content and ideas from competitors that aren’t actually very good.

We must collaborate with our teams, agencies and thought partners to map out the cultural moments in 2021 that matter. To be proactive instead of reactive. To think about continued conversations in this pandemic and what role our brands could play. To be clear on what our brand stands for and when and why we should enter these conversations.  

2. What does your brand stand for?

Amidst a pandemic, an economic crisis and mass demonstrations over systemic racism, consumers are in search of brands that will act and advocate for change. According to the 2020 Edelman Brand Trust Survey, 80 percent of consumers want brands to “solve society’s problems.” It’s no longer enough to show your support in social channels with a short, sentimental statement.

This is beyond a #BlackLivesMatter hashtag — especially if you don’t have any Black talent featured in your brand’s Instagram feed. This is beyond a social post on the importance of Women’s History Month — especially if you have no women in your senior leadership positions. This is beyond encouraging people to buy a red and blue hoodie for unity post-presidential election — especially if you have had nothing to say about the social, economic and political issues facing our country.

What does your brand actually stand for? How many of us can easily answer this question? You need to know what your values and beliefs are. You need to have well-defined guardrails of what you will stand for and what you will stand up for in those moments that matter.

Related: 3 Ways to Succeed in Marketing in the Modern Era

3. Why should you participate in this moment?

In the case of Tropicana, it was likely too tempting not to wade into the conversation about how stressful parenting is in this pandemic. A better approach: showing parents enjoying mimosas after the kids are finally in bed after another long pandemic day of remote working and virtual school.

Why should you participate in this moment? If you have prepared for cultural moments you want to join, and you know what your brand stands for, you can definitively answer this question. Brands that can seize the moment to create relevant and authentic content are ones that have done the hard work.

It’s tough not to live in fear of public outrage and cancel culture. We all make mistakes. Bur when we are intentional, thoughtful and prepared, we will make less mistakes along the way.

Some might argue silence and sitting out is not an option. I would argue that you must be thoughtful about why, when and how you show up. If you don’t know the best way to do this, sit this round out and wait for the moment where your brand can have a meaningful impact.

Related: Is It Time to Hibernate or Accelerate Your PR Efforts?

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The funding will be used to strengthen their customer-first technologies and also incrementing the reach of the brand, and to accomplish a larger consumer base

3 min read

Opinions expressed by Entrepreneur contributors are their own.

Delhi-based information-oriented clean beauty marketplace Vanity Wagon said on Wednesday to have raised $200,000 in a seed funding round led by Agility Venture Partners. The round also saw participation from Alfa Ventures managing partner Dhianu Das and angel investor Sanjay Nagi. 

The fresh funding will be used to strengthen their customer first technologies and increment the reach of the brand, and to fulfill a larger customer base.

The two-year-old startup has said to have been curating the best of clean beauty without compromising on efficiency and ensuring that the products are safe and cruelty-free.

“Vanity Wagon is a one-of-a-kind market for non-toxic beauty products, already making its mark in the clean beauty industry. Consumers today want clean alternatives for their beauty needs and with a lot of major brands emerging in this space, we look forward to building the future of clean-organic personal care products with Vanity Wagon,” remarked Dhianu Das, angel investor, while commenting on the fundraise.

The company further said that its priority is to advance its efforts to solidify its present position as the top clean beauty market in India.

According to a press release, the future of beauty in India lies with the clean beauty specialists such as the company itself, and with the tremendous growth fourfold, the startup has achieved in the two years since its inception in September 2018, this round will help the enterprise grow more rapidly. 

“We have always believed in creating value for our consumers, and this has helped us carve out a special place in their minds. Having grown faster than the sector growth in the last two years, this was an ideal time for us to take the next leap. With the help of our investors, especially veteran Mr. Dhianu Das, we aim at capturing a sizeable quantum of the market in the next two years,” added Prateek Ruhail, chief executive officer, Vanity Wagon, in the statement.

The platform claims to bring only toxin-free and natural beauty products to its consumers and the startup further maintains that prior to onboarding any brand with them, they always check whether the brand is certified-cruelty-free by PETA and safe-to-use by ECOCERT among other recognized institutions.

The seed round was coordinated by Fundvice, acting as an accelerator to Vanity Wagon.

With a remarkable growth in the clean beauty industry of over 50 per cent year-on-year over the last three years and with brands such as Mamaearth, The Moms Co, and ARATA strengthening their hold on the market, investors found it ideal now to back a clean beauty market, said the statement. 

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6 min read

Opinions expressed by Entrepreneur contributors are their own.

For many companies, the end of the year means performance reviews. Like other interactions these days, many of these reviews will be done via video call. While a computer screen can make giving feedback feel awkward, it’s critical for employees’ learning and development. So, with that in mind, how can we be effective at giving feedback when remote, not only during performance reviews, but all the time?

To stretch and strengthen your feedback muscle and build a culture of productive feeback in your workplace, here are several best practices leaders and managers can apply, even as many employees continue working remotely.

1. Focus first on psychological safety 

It’s impossible to give feedback effectively if employees don’t feel respected, included and comfortable at work. To ensure employees trust that feedback is coming from a place of support, it’s essential to build a foundation of psychological safety, in which employees know they won’t be disciplined or embarrassed when openly sharing concerns, ideas, mistakes or asking questions. Furthermore, it’s essential to establish an environment in which diversity is not only tolerated, but welcomed. In addition to making a company a more enjoyable place to work, this type of environment leads to increased engagement, innovation, higher productivity and lower turnover.  

Building psychological safety on your team doesn’t happen overnight, but it’s essential to building a feedback culture. One way to make sure individuals feel safe is to talk about mistakes and failures openly and regularly and frame them as learnings. 

Related: How to Make Negative Feedback Work For You

2. Make feedback an everyday practice

For many people, it’s not natural to give and solicit feedback — it can feel uncomfortable. But it’s really only uncomfortable if feedback is seen as critical or judgemental. When feedback only happens a few times a year, such as in a formal review, it can cause a lot of anxiety. That’s why I prefer to frame feedback as fuel, where frequent feedback is an essential part of the everyday way we do our jobs and work together as a team. 

When it comes to formal reviews, I tell managers on my team that if a formal review is the first time an employee is hearing feedback, then they’re not doing it right. No formal review should include any surprises. Instead, feedback should be an integral part of their weekly or bi-weekly one-on-one conversations. The formal review is instead a time to talk about patterns, themes, growth and opportunities. 

It’s important to lay the groundwork for this approach by teaching managers and employees why they’re being given feedback, how to ask for feedback, and how to give good feedback so that conversations are constructive. Sharing is caring — as educator Randy Pausch wrote for Entrepreneur, “When you’re screwing up and nobody says anything to you anymore, that means they’ve given up on you … your critics are often the ones telling you they still love you and care about you and want to make you better.”

3. Flip the dynamic

Less interaction while working remotely means there’s less feedback, so it’s important to give more, but also to intentionally seek it from others. Feedback doesn’t always have to be initiated from the top down. Actively seeking feedback from the team or manager, even before a project starts, reduces pressure and potential for defensiveness. It also creates a space where giving and receiving feedback becomes part of how everyone on your team operates, instead of something the boss passes down. 

4. Set the stage 

A culture of feedback doesn’t just happen. It requires commitment and effort by the team and regular conversations about how the practice of feedback supports the work. Discuss what feedback should look like for your team — maybe share feelings about feedback, recounting both negative and positive experiences to identify some do’s and don’ts of giving feedback. 

Also, work with your team to find ways to keep feedback flowing during work from home. Managers can help encourage feedback conversations by regularly reminding employees, “Have you asked the team for feedback?” and “Where have you built in the feedback loops?” 

Related: Ask These 7 Questions to Get the Honest Feedback You Need

5. Catch someone doing something right

I started my career as a high school teacher. When I was grading student work, I sometimes felt pressure to find all of the mistakes and help them correct it. Instead, I actually found it to be much more effective and engaging for my students when I also acknowledged all of the times they got something right. 

This approach also applies to giving feedback in the workplace. It shouldn’t only happen when someone does something wrong – we need to give positive feedback too. However, feedback should be more nuanced than a binary of positive and constructive. There actually are 10 different types of positive and constructive feedback, including recognition, encouragement, maintenance, adjustment and inclusion. It’s important to find a balance. And when it comes to positive feedback, it’s not just saying, “great job, keep it up!” and moving on. There’s an opportunity to discuss learnings and next steps even when you achieve success. Using a specific construct, such as the situation-behavior-impact (SBI) model can be helpful, serving as a reminder to discuss impact as well as how to build on learnings and successes.

6. Keep the feedback flowing

Healthy relationships always need tending. While you may have had great team rapport while working together at the office, there’s a chance that some of that has eroded while working from home.

Do some reflection. Check in with the team. Build in additional structure to encourage consistent give and take of feedback. Regular feedback means more engaged employees and less stress — particularly during review time — and that’s something we all could benefit from right now. 

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The tourism industry has been one of the most affected. However, Mexican destinations such as Cancun, Acapulco, CDMX, Vallarta and Oaxaca, have managed to stay active and dominate the networks.

2 min read

This article was translated from our Spanish edition using AI technologies. Errors may exist due to this process.

The tourism sector has been one of the hardest hit in Mexico and around the world. However, according to a tourism study carried out by the consulting firm LLYC México , there were destinations that found a way to reinvent themselves and maintain the connection with their audiences through social networks.

And, according to the results, the destinations that had the most relevance through the digital conversation were Acapulco, Cancun, CDMX, Los Cabos, Oaxaca, and Vallarta . This has been achieved in part, thanks to the fact that “conversation peaks derived from paid advertising have been generated”.

The study was based on an analysis of the digital conversations in Spanish that have taken place around tourism in Mexico during the pandemic. The period covered was between the months of February and October of this 2020. What was considered was the public data from Twitter, Facebook and YouTube (320,000 messages belonging to 98,052 accounts were analyzed).

Subsequently, said data was processed through Artificial Intelligence and Big Data techniques, generating an orderly and efficient mapping of

• Communication networks in general
• Behavior and composition of the entities and communities in the conversation
• Main topics of conversation and related topics

Thanks to this map, it was possible to obtain various relevant data. Among them we have that the digital conversation is politicized, which is why hotel companies have focused their advertising efforts around less politicized networks such as Instagram and YouTube.

Likewise, it was concluded that artists, executives and journalists are those who have the greatest influence on the subject of tourism and that, among the destinations that have managed to generate the greatest number of messages and interactions are Cancun, Vallarta, Los Cabos, Oaxaca, CDMX and Acapulco.

On the other hand, the consultant also mentioned that the first step to continue with the development of strategic planning is to “listen and analyze the relevant actors and communities, while knowing and understanding the evolution, trends of conversation and opinion public ”; so this study can be of great help to the sector.

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This article was translated from our Spanish edition using AI technologies. Errors may exist due to this process.

Opinions expressed by Entrepreneur contributors are their own.

Currently, personal finances have become a very popular topic, since our environment has become very challenging from an economic point of view, but thanks to this, more and more people seek to provide solutions to their economy at this time and to the future. So, today I bring you seven financial purposes to fulfill this 2021 .

1. ONE MORE: We are going to create an additional source of income, this is in order to avoid risks in your finances and for this you do not need to have another job, rather, highlight your talents and skills that help you generate income, such as for example: sell a product or service, give advice thanks to your experience and knowledge in a subject, etc., once you carry them out, you will notice a positive change in your personal economy. If you do not know where to start, I give you my ebook 5 strategies to earn extra money .

2. HORMIGA EXPENSES: They are those imperceptible expenses that you make during the month and that little by little are reducing your economy, however, when you are aware of this type of cash outflow, you may notice that the morning coffee, the Every day in restaurants and even outings with friends have a serious impact on your wallet, therefore, one of your purposes for this 2021 should be the reduction or elimination of this type of monetary outflow.

A simple way to achieve this is to record your money in and out, in an application like Monthly Budget that is free for IOS and Android , in this way, you will become more aware of how much you spend and on what, to finally eliminate emotional expenses of your life.

3. POSITIVE CASH FLOW: It is nothing more than trying to reach the end of the month with money, how to achieve it? Just putting the two previous steps into practice, eliminating unnecessary expenses and generating more money thanks to an additional source of income, in this way, you can maintain your lifestyle without having to resort to debt to achieve it.

4. ELIMINATE DEBTS: It is necessary, since the more debt you have, the more your expenses will increase, moving you further and further away from your financial freedom, however, achieving it is possible, for long-term debts (car, house) it is It is necessary to continue with payments in a timely manner and to settle those that are short-term it is necessary to no longer acquire new debts, in this way, you will become less vulnerable to any economic situation.

5. MAKE MORE MONEY: Speaking of investments, let’s avoid earning and spending, because that way you will only achieve a negative cash flow or become a creditor of debts, the best thing is to make an investment plan to multiply your money, make three plans To invest, you can start with 100 pesos and CETES is the best option since it is the vehicle with the lowest risk because it has the backing of the government, the second is your Afore, see as an increase in the amount for your withdrawal, as well as When the time comes, you can maintain your current lifestyle. If your accumulated capital exceeds 5,000 pesos, you can invest in crowdfunding to generate a little more attractive returns and finally the most important, invest in your retirement plan, according to data from various surveys, 85% of the population cannot enjoy a decent retirement because you never invested in this plan, do not leave your future to chance, invest.

6. PROTECT WHAT IS MOST IMPORTANT: When you go through a time of complicated financial situations, the riskiest thing is to lose what is most important to you, in other words, your assets, starting with your life, your house, your health, your car; how do you do it? Through insurance, find a way to have the right alternative, look for a suitable advisor, a reliable company that provides you with the necessary support, ask yourself how much are the years of your working life worth? I think too much, seek to protect what is most important in your life.

7. REWARD YOURSELF: When you realize that your finances are in order, you can reward yourself, if you are already reducing your debts, you are increasing your income and the investments are already generating returns, it is positive to give yourself an incentive for the good management of your finances . If you put a reward to the fulfillment of a goal, it will be an incentive to keep going. The rewards are good and they work as long as they are moderate.

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We are starting 2021, an ideal time to control your expenses with these mobile tools.

This article was translated from our Spanish edition using AI technologies. Errors may exist due to this process.

We are a few days away from starting 2021 , and with the so-called “ January slope ” that many face due to not having their finances in order (which they have been dragging since November of last year).

If among your purposes for 2021 was to have greater control of your finances and save for a future project (improve your home, open a business, strengthen your brand), but for some reason you have not achieved it, you still have time to achieve it and For that you can rely on mobile applications to achieve it.

Below we have gathered five apps that you must have on your smartphone and that will make it easier to manage your expenses, or help increase your income:

Classifieds site in Mexico, allows you to put on sale those items that can be converted into an extra income by selling them within this platform. If what you are looking for is to buy a product or service without affecting your pocket, on this platform you will find plenty of options at extremely accessible prices.

We have already talked about this application, but it should be remembered that it helps you to be more organized by keeping a record of personal information through the use of notes. The best? User data can be synchronized on all platforms where you use the service.

This free platform developed by Condusef allows you to keep track of income from salary, incentives or benefits, as well as your monthly expenses. Calculate your periodic saving capacity and the time it would take to reach a certain monetary amount.

Track the expenses that have been made in relation to the current capital that you have, classifying them in various categories. It also allows you to see the real-time overview of your finances, create a savings plan, receive advice and schedule alerts to achieve your goals.

This application provides advice on savings, spending or debt based on your financial score, personalized recommendations for bank cards and graphs with the comparison of income and expenses. It also helps you create budgets, schedule bank payments, among other things.

We recommend: The 7 financial purposes you should have for 2021

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