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How AI Will Change the Future

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There is no doubt that Narrow AI is making a huge impact in many sectors. There is some unease about the rapid development of AI because it is changing the job market so quickly, but there may also be some distinct advantages that people haven’t thought of yet. Here are just some of the ways that AI might change our future.

  1. Health

It is no surprise that health care is one of the biggest drains on any economy, but developments in AI can change all of that for the better.

Imagine a scenario in which every hospital has installed an AI that has been trained through deep learning to be able to recognize the early signs of malignant tumors or cancerous cells. Imagine if it could diagnose a patient even before a human doctor could, based on input from their health records, lifestyle choices, and other examples of disease progression from millions of others.

Diagnosing diseases early would not only save more lives, but it would also take the strain off the healthcare system.

  1. Jobs

There is no doubt that AI is already having a huge impact on the job market. It is thought that the next decade will see some traditional jobs become obsolete for humans because AI will be able to perform them. For example, Narrow AI can certainly take on the role of an Accountant. Likewise, AI can already answer simple legal questions.

The real question is not whether it will impact jobs, but what will happen to people who need jobs? In the best case scenario, AI will take over many lower skilled jobs and leave people to work in creative fields and higher skilled positions. This may create a more content and happier workforce.


AI is already with us and is being applied every day in a wide range of areas. Every time we browse the web, for example, we are interacting with low level Narrow AIs and feeding them more information about our browsing behavior. In this sense, AI will continue to have a big impact.

from Lisa Peternel | Technology


A Quick Guide to Managing Remote Employees

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As more people work online, either in jobs that have flex hours or for online freelancing gigs, it is vital that we rethink the way that we manage employees. While the Internet has helped bring people together, it has also left managers and employees further apart in some respects than ever before. On the one hand, working remotely can be a huge boon for those looking to add flexibility to their work lives and allows hirers to seek out the best people for the job from around the world. On the other hand, managing employees remotely can be quite challenging as it denies you many of the in-person tools that managers use to keep tabs on and touch base with their employees.

That’s why managers who oversee remote employees will want to keep these ideas in mind.

Make Use of Technology

Using the same old method of popping into people’s cubicles or giving them a call doesn’t work when they may be working hundreds or even thousands of miles from where you are. That’s why smart companies with remote employees make use of Skype, WhatsApp, Google Drive, and other apps and online resources to share their work.

Communicate Regularly

Given the distance between you and your employees, it is all the more important to make sure that everyone is on the same page. Take the time to communicate with your employees. Sending them a message every few days at minimum can help ensure that you understand them, they understand you, and that a general rapport and boost to company morale and cohesion is achieved.

Flexibility and Consistency

It is vital that you find a way to be flexible yet consistent when managing remote employees. Your employees are bound to have different schedules, motivations, and national and cultural backgrounds, all of which can be useful in cobbling together a team. You need to make allowances for everyone’s unique situation but also need to make sure that you’re being consistent in what the rules are and how you apply them.

Done correctly, managing remote employees can be a huge opportunity to grow your team and cultivate a positive online company culture.

from Lisa Peternel | Business

Understanding the Basics of AI

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Artificial Intelligence – or AI – is one of those concepts that has spawned entire genres of film and book, and is sometimes whispered as either the cause of nightmares or the cause of a human utopia. The reality is that AI has been with us as a concept since at least the 1950s, when the first computers were making an impact in exclusive domains.

What Is AI?

In broad terms, AI can be divided into two areas: narrow AI and General AI. There have been huge developments in the field of narrow AI in recent years due to advances in machine learning, the accessibility of information on the web, and the speed of both CPUs and GPUs.

What Is Narrow AI?

Narrow AI is what most of us are familiar with. Narrow AI is a type of machine intelligence that does a specific task and can learn that specific task really well. For example, the AI that recently defeated the world Go champion. This is important because it was long thought that Go is such an abstract game with such high level concepts that a machine would struggle to match a human player.

Narrow AI can also be found in applications like SIRI, or whenever you go onto a site like Amazon and get product recommendations based on certain genre patterns and personality types.

What Is General AI?

We might not be familiar with Narrow AI even though we access it most days on the web, but General AI is a concept that most people will be familiar with. General AI is a general machine intelligence that closely mimics the capabilities of the human brain. In this sense, it can learn, reason, create, analyze, and make decisions. When thinking of General AI, super-intelligence like HAL in the Space Odyssey movies is a key example.

Of course, we haven’t actually developed General AI yet, even though there are ongoing attempts to do so. Both futurists and scientists often disagree about when we might have General AI, or even if we ever will have it. In the most optimistic visions of the future, a super-intelligence will develop at some point in the future that will be far superior to any human intelligence. This, of course, could also be a nightmare.


AI is here to stay even if we don’t develop General AI. At the very least, Narrow AI has many applications and is being used around the world.

from Lisa Peternel | Technology

6 Tips to Help a Struggling Small Business Stay Afloat

It’s a fact that most new small businesses struggle. It’s part of the process. And though some don’t ultimately survive, those that can power through early problems can emerge strong (and profitable). Still, reaching that point is difficult, particularly in a rough business climate. However, there are certain steps you can take to keep you from feeling as though you’re drowning and to help keep your business financially healthy.

Tip 1: Set Yourself Apart

In a recent look at common struggles of small businesses, we talked about the problem of having too many competitors. There, we suggested that business owners use competition to inspire innovation. More simply, use this problem as motivation to figure out how to set yourself apart. In the early stages, that might come down more to messaging than actual business products or services. But the sooner you make your company appear distinct among its competitors, the faster you’ll gain customers.

Tip 2: Address Your Debts

The idea of tackling debts before seeking more gains is actually an investment principle many adhere to — whether or not they’re running businesses. The idea is that debt is usually a compounding burden, with interest mounting over time, and should thus be addressed as efficiently as possible. This is particularly important for a small business in which time is of the essence. While it’s not always as simple as deciding to pay off debts, small business owners should start prioritizing debts. The sooner they’re addressed, the sooner the business can be free to grow.

Tip 3: Take Reinvestment Seriously

When you’re running a small business, it’s important to consider the idea of reinvestment. This is basically the idea that it can be beneficial to take some of the company’s profits and invest them directly back into company needs.

Whether that means marketing efforts, a new employee, better technology, etc., it’s sometimes recommended that you reinvest half of what the company makes. It’s seen as a way of fostering fast growth, and it can also build the business up such that you have to do less on your own. In that sense, reinvestment can double as an investment in your own time as well.

Tip 4: Consider Personal Investment as Well

While there’s always some risk involved, you might also be able to expand your own funding by doing some light personal investing. However, you’ll want to do so carefully. If you’re looking to invest in the most traditional sense — in the stock market, for instance — it may be best to do so through alternative methods. Full-on trading is essentially a job, and it’s a lot for any small business owner to take on, particularly without the requisite expertise. However, there are other ways to grow funds in the market.

If you still want some say over your portfolio, CFD trading is an option to explore. This is a method that allows the trading of shares purely with regard to whether they’ll increase or decrease in value. So, rather than buying a share of stock and timing your sale correctly to maximize profits, you merely make a decision of whether you want to buy it (anticipating gains) or sell it. CFD trading also enables stop-loss orders, which can allow careful investors to automatically limit their losses. If this is still a little too hands-on, there are also more automated or hands-off trading options such as mutual funds or apps that will trade on your behalf.

Tip 5: Cut Costs Where You Can

Usually, a struggling small business will already have cut costs wherever possible. However, it never hurts to do another thorough, numbers-based assessment of where you stand. Is there something you paid for in helping to launch the business that you no longer need? Are you using a supplier you might be able to move away from in favor of a cheaper alternative? Is there anything you have the time and ability to take on your own that you’re currently paying someone else to do? These are all questions worth asking when you’re struggling to make the business work.

Tip 6: Employ Freelancers Where Possible

This is not a suggestion that your small business should be staffed entirely by freelancers. You’ll need some employees to build a sustainable operation. However, where possible, you might want to look into freelance contributions. In-depth analyses have shown that freelancers cost less money, and these days — with so many people unemployed and/or looking to work remotely — they’re theoretically more available than ever. So, for the odd job here or there or for regular contributions that don’t necessarily demand full-time employment, you might want to explore the freelance market.

There are ultimately no guarantees for a struggling small business. Each company’s strategy should be distinct, and a little bit of luck comes into the picture as well. With these tips though, you might hope to keep the business afloat — in a challenging climate or when future struggles arise.

from The Grasshopper Blog – Insights for Entrepreneurs Tips to Help a Struggling Small Business Stay Afloat/

How to Write an Effective Email the First Time Around

What does the perfect business email look like? For some go-getters, it might be the 21st century of War and Peace: it’s long, it leaves no stone unturned, and it contains enough detail that anyone who reads it will be impressed by your work ethic and flowery language.

This is wrong.

A good email is less art than it is science. It’s a means to an end, with a clear objective: get someone else to understand something that you already understand. Whether that means a project just finished or you have a new proposal, a well-crafted email should be clear, efficient, and engaging—without demanding too much from the reader.

We spend some 1/3rd of our office time checking and managing our email. It only makes sense to get it right.

Here’s how to construct one without constantly editing yourself:

The Basic Rules of Email

Before you optimize the efficiency of every email you send, let’s get rid of some of the simple mistakes that are only making your written communication worse.

First, double-check that you’re sending it to the right people. In one famous mistake, Aviva Investors sent an email meant to fire one person…to a list of 1,300 people.

Before you hit “Reply All,” take a few seconds to consider what “All” includes. Here’s an example of a faux pas you can avoid if you were to double-check the email recipients every time:

“OK, so I was online dating a lot,” Shirley Goldberg remembered. After each date, she liked to send a summary to her girlfriend. “On the day I hit ‘Reply to All,’ I had four emails open, one of them directed to the entire staff of my school. Somehow I got the emails mixed up.”

This can be even more damaging in the professional environment. That’s why you should aim to keep each email as professional as possible. After all, email still counts as written communication. If you don’t want yourself on record as having said something, don’t email it. In company-wide email threads, it’s possible that even if you don’t send the email to the wrong person, what you wrote can still end up in someone else’s text.

Unsure if your writing is grammatically correct? Consider adding an app like Grammarly to your browser if you’re using web-based email.

Focus on Clarity

The ancient Roman rhetorician Quintilian once said:

We should not speak so that it is possible for the audience to understand us, but so that it is impossible for them to misunderstand us.

Before you do anything else, make sure that your email is clear. That usually means the shorter it is, the better—there will be fewer opportunities for misinterpretation in a 100-word email than a 1,000-word email.

  • Write short sentences. Turn to HemingwayApp for help here. It will point out where you’re over-stuffing your sentences and making too many demands on the reader.
  • Use active voice rather than passive. “I finished the project” is clearer than “the project was finished by me.” It’s also more efficient. 
  • Organize your email paragraphs by topic. Similar to the way you’d structure a high school essay, keep your organization simple: one topic per paragraph.
  • Don’t “bury the lead.” Burying the lead happens when you hide an important nugget of information somewhere within the content. This leads to less emphasis on the important point. If you’ve ever wondered how you can write someone an email and they forgot about its most important message, it sometimes comes from buying the lead.
  • Read before sending. If you keep the email simple, you won’t have a problem reviewing it quickly before sending off. Don’t make more work for the recipient by asking them to read your mind. Make sure the email, as Quintilian recommends, is “impossible to misunderstand” from the outset.

Don’t Waste Time

You’ll enhance clarity when you stick to this rule: don’t waste time.

If you’re sending an email proposal to someone you don’t know, there’s a temptation to spend two paragraphs apologizing or explaining yourself. Don’t! Just include a brief sentence that mentions how you found their email and move on. If their time is valuable, thank them for sparing some. Then proceed to stop wasting it.

One brief sentence at the top of an email is usually enough to let someone know that you’re aware when an email might be out of the blue, or coming in some sort of strange context. If you’re networking, include a sentence that describes a mutual contact, for example. While you should focus on clarity, you’ll still want to display some social acuity when you’re emailing someone new for the first time.

When Scripts are Available (and Make Sense), Use Scripts

If you’re sick of staring at a blinking cursor and want to make some progress, you can always lean on email scripts to get you started.

The key here isn’t to copy and paste everything you write, but to remember the human touch. But once you’ve determined that you’ll do that, you can use some email scripts as reference points:

Practice Makes Perfect

You might not write perfectly effective emails every time. But as you get used to the work environment and routinely send out similar emails, you’ll get a sense of what works and what doesn’t. Pay attention to the questions people tend to ask in their replies and you’ll soon learn that you can answer them ahead of time. Over time, you’ll settle on a natural rhythm to your emails to help you avoid long email chains, back-and-forth question sessions, and even the occasional faux pas.

from The Grasshopper Blog – Insights for Entrepreneurs to Write an Effective Email the First Time Around/

How Automated Processes Can Help Your Small Business

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When you’re a small business, every little bit counts. Every dollar you save is one dollar more that you have to spend on the really important things or to help you through tough times. Every hour of labor you save is time that can be spent improving your company. As the saying goes, waste not, want not — which is why, as a small business owner, you should really want to get in on automation.

When done properly, automated processes can help small businesses make big leaps forward and here’s how.

Automate Forms

One of the most important ways that automating processes can help small businesses is by helping them focus on what matters most. When you’re a small business, you only have so many employees, who in turn can only do so many things at once. You are more restricted in terms of time and manpower than larger businesses and this means that everything has to be as streamlined as possible.

Case in point — forms. For as necessary as they are to the upkeep of your business, filling out forms all day long is the very definition of drudgery and hardly an efficient use of time. That’s why automated forms have the potential to be a gamechanger for your small business. Simply design the automated form, save it, and every time that you need to use it, the settings and information that you require will already be in place. What’s better, these automated forms can be saved and retrieved on demand.

Track Orders

In addition to forms, automating processes can also help you track orders more efficiently. The U.S. Postal Service, FedEx, Royal Mail, and other major mail distributors already use order-tracking systems, as do online titans such as Amazon and eBay.

Think Big

Just because you’re a small business doesn’t mean that you can’t think big. Bigger companies are taking advantage of the upsides afforded by automated processes so why shouldn’t you? Automation can help small businesses play the part of a bigger business in the eyes of consumers.

Automating processes has the potential to help you make the most out of your business opportunities.

from Lisa Peternel | Business

The Benefits of Cloud Storage

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The Cloud is still a confusing concept for many people, but the truth is that many people use the Cloud without even knowing it. In fact, many smartphones now include some type of automatic upload of photos and videos to inbuilt Cloud services like Google Drive or iCloud.

How Does it Work?

One reason that many people are confused about the Cloud is because they’re not really sure where their data is stored. They know that their photos and other files go somewhere, but they are not sure where the data is stored.

A Cloud service uses data centers in various locations to store data. So, those photos that get uploaded actually get stored on a hard drive or solid state drive somewhere. In most cases, the files are stored across multiple locations and backed up multiple times across those locations in those data centers to ensure maximum redundancy and security.

Why Do You Need the Cloud?

Both personal and business computer users can benefit greatly from using the Cloud. Here are some of the biggest reasons to use such a service:

  • An individual can back up their important documents, photos, and other files to the Cloud, this includes saving space on their own computer, having ongoing access to them, and not having to worry about them being lost.
  • A business can use the Cloud for storage, but they can also access applications residing in the Cloud so that they have easy access to software wherever they are.
  • Increased security and redundancy.

Business and the Cloud

The Cloud doesn’t just function as a storage area. It can also be used to host software that can be accessed by any authorized employee wherever they are. This even makes it possible to work from home.

In fact, the use of the Cloud as a delivery system for applications is much more common these days. In the old days, one might talk about so-called Thin clients accessing software on a mainframe, but the combination of fast broadband and access to huge amounts of storage on the Cloud makes this scenario entirely possible.

from Lisa Peternel | Technology

Five Mistakes That Make Customers Hang Up

When a customer hangs up on you mid-conversation, it’s easy to tell what you did wrong. In fact, they probably spent the previous five minutes telling you exactly what their issue was.

But when customers hang up on your phone system before you even get to speak with them, that’s another problem.

According to some statistics, about 80% of callers will hang up on a phone system if they don’t feel like their call is going straight to voicemail. That means that you’re already missing out on most important customer calls by not having a robust, organic phone system in place.

How can you turn it around? Make sure that when you set up your business’s phone system, you avoid these other key mistakes that make customers want to hang up:

Mistake #1: Putting Them in the Driver’s Seat

It sounds counterintuitive, doesn’t it? Wouldn’t any self-respecting customer want to be in the driver’s seat in an interaction with a company?

Yes and no. If you give your customer too much power—or give them too many choices—you run into the problem known as Paradox of Choice, first popularized by an author named Barry Schwartz.

In one study, shoppers were exposed to an astonishing variety of gourmet jam: 24 whole choices, with samples to boot. On another day, the available jams were limited to six.

Researchers found that while more choices attracted more initial attention, fewer choices meant that customers were ten times as likely to make a choice from the jams and bring it to purchase.

What does this have to do with your phone system? Simple: don’t give them too many choices. Give them options, sure—they need to navigate your business as well as possible. But keep the choices limited. Don’t let customers grow frustrated with your never-ending web of call forwarding.

We’ve all been in the situation of being the customer who loses all patience with a phone system and shouts into the phone, “just get me a human!” Don’t make your customers do that.

Mistake #2: Creating a Fancy, Elaborate Script

If a customer calls you on the phone, it’s important to give them a sense that you’re a real person—or at least a real company.

The problem is that some companies believe that to come across “real,” they need to simulate the feeling of authenticity by creating a script. Then they lose sight of why they created a script in the first place and simply want to create the most flowery, over-the-top script possible.

Avoid this instinct. When ran a study, they found that customers had a strong negative impression of calls when they thought agents were reading from scripts. If a customer perceived a call as unscripted, their perception of the call improved 78% of the time.

If you’re building a voicemail system for directing phone calls, you will have to use automated messages to guide your customer. The way to avoid the negative-script effect is to keep things simple and professional. Get the essential information to the customer and let them move on.

Mistake #3: Weaving a Tangled Web of Call Forwarding

If you’ve ever been on a long phone call with a company, you know that it can feel like a temporary boost when you’re forwarded to the appropriate expert. That’s all well and good, but when your phone call gets passed on and on again, you start to feel like the entire effort is futile.

The same effect occurs when you create an overly complicated phone structure for answering customer phone calls. Yes, it’s important that you get the customer to the person who can solve their problem or answer their question. But if it takes too many steps to get there, customers won’t care about your good intentions. They’ll just care that they couldn’t get through.

Mistake #4: An Unprofessional Voicemail Greeting

If you have clients or customers call your personal number, it can be a bit disorienting to hear a casual and obviously personal voicemail greeting on the other end.

Even if you work out of a home office, it’s important that your phone system—or even something as simple as your voicemail greeting—displays that you have a professional business presence. Heed a few of the tips that we’ve provided in our post on voicemail greetings and make sure to:

  • Limit background noise. Hearing family members in the background is an obvious no-no. But even hearing general office sounds can have a negative effect on the quality of your voicemail greeting.
  • Smile as you record. You’d be surprised at the effect a smile can have on the tone of your voice. You want to be positive, upbeat, and professional—and sometimes, there’s no way to fake that except to smile.

Mistake #5: Too Little Information

If you’re convinced about the paradox of choice and you want to avoid an overly-elaborate script, it’s tempting to go too far in the other direction and record a Laconic voice greeting like “Hi. Leave a message at the tone.”

There’s nothing wrong with simple. But if you want your customers to stay engaged with your phone system, there’s no harm in infusing a little personality into their interactions with your automated responses. Just as long as these hints of your personality don’t get in the way of a customer perceiving you as a competent professional, they’ll likely stay on the line.

Give Your Customer a Reason to Stick Around

Just as you work hard to earn sales through marketing, analytics, and good, old-fashioned quality business practices, you don’t want the hard work to go to waste once a customer gets a hold of your phone number. Avoid these mistakes and create a simple, intuitive voicemail system that customers will understand and even enjoy. The better it is, the more likely it is you’ll retain those customers who would have otherwise given up. When it comes to your phone system and your customers, every second counts.

from The Grasshopper Blog – Insights for Entrepreneurs Mistakes That Make Customers Hang Up/

5 Common Struggles of a Small Business Owner

Launching a business is hard, and sustaining one is even harder. As a business owner, it is very likely that you will find yourself in situations wherein you are left with no choice but to take on more than you can handle. A good example of this is the global pandemic we are all facing at the moment. To ensure that you and your business are able to stand up to challenging situations, you have to familiarize yourself with some of the typical problems small business owners face and adequately prepare for them. That being said, here are five of the most common struggles that small business owners experience:

Feeling anxious about the future

Even before the circumstances changed due to the ongoing pandemic we are all facing, lots of business owners struggled with anxiety when thinking about the future of their companies. In fact, according to the World Economic Forum, 49% of entrepreneurs suffer from at least one form of mental health condition during their lifetime. To cope with the anxiety linked to the uncertainty of what the future holds for your business, it would be a good idea to set aside some time for mindful reflection and to read biographies from successful entrepreneurs to stave off the feeling of “being alone” in the midst of your struggle.

Struggling with huge changes

As explained in our previous post on ‘How to Effortlessly Connect a Team of Remote Workers’, the current situation has driven companies, big and small, to encourage their employees to work from home. This sudden change places small businesses – especially those who never experienced having remote workers before and hence haven’t instituted the right infrastructure that supports these kinds of workers – in a tight spot. To soften the blow, The Balance suggests conducting SWOT (Strengths, Weaknesses, Opportunities, Threats) analysis frequently to help identify which areas require some improvements and a little more attention. It’s also a good idea to adopt a forward-thinking attitude and to keep a positive mindset.

Having trouble with hiring

In a recent report by Wasp Barcode Technologies, 50% of the surveyed small business owners admitted that the biggest challenge they face is hiring the right employees. Recruiting new talent has never been an easy task, even for big enterprises, but small businesses struggle more because they have limited funds and resources. A good way to address this issue is by aiming for new graduates who have a lot of potential but do not (yet) have the experience to command a large salary. It’s also advisable to provide lots of non-financial benefits that are proven to be more persuasive when it comes to hiring employees such as healthcare, flexible working options, mentoring programs and time off.

Having difficulty with cash flow

Due to the lack of available funds, the majority of small businesses tend to struggle to make payments on time. According to a recent survey on Forbes, 66% of business owners claim that delays in payment processing causes major issues with cash flow. To combat cash flow problems, many small businesses turn to loans for aid, even going down the route of personal loans when things get really bad. Marcus explains how personal loans come with a fixed payment schedule so that borrowers are fully aware of how much they need to repay. It can also be used to pay off credit card debt, finance structural improvements, cover costs associated with moving and even handle vacation costs. Aside from applying for a loan, cash flow problems can also be mitigated by expanding your payment options and by having a proper budget plan.

Having too many competitors

One of the toughest things small business owners face is getting ahead of the competition. To withstand the problem of having too many competitors, Business 2 Community discusses how it’s essential for small business owners to use competition to stimulate innovation. Innovate and be inspired to provide products and services that are better than that of your competitors. Examine your competitors – know the strategies they’ve employed before, and try to determine and understand the ones that worked for them. By doing this, it will help you steer away mistakes, thus saving you a significant amount of time, money and energy.

Entrepreneurs are known for their determination, tenacity and grit. However, before they become the very figures we all look up to, they had to go through different struggles at the beginning of their career. To come out successful, you have to power through every challenge and learn from them.

from The Grasshopper Blog – Insights for Entrepreneurs Common Struggles of a Small Business Owner/

Why Cloud Storage Is a Good Choice for HR Needs

The cloud is something that many people are using to make running a business easier than ever. There are so many possibilities that open up when you start making use of cloud storage. When it comes to your HR needs, using cloud storage is going to be an incredible choice. Read on to examine why cloud storage is so good when it comes to helping you fulfill all of your HR needs. 

The Cloud Offers Greater Flexibility 

The cloud storage that many businesses make use of is going to offer many perks. One of the best perks is just how flexible it allows your HR department to become. Moving parts of your HR to the cloud is going to simplify things so much. You’ll be able to transfer files efficiently, and accessing the necessary work-related files or software from other devices will be possible. 

The sheer mobility of cloud storage makes it something that every business should be using. You’re going to be able to adapt to the situation instead of having to approach things from only one angle. It makes it possible for the HR department to work easier. Employees are even going to have no trouble requesting days off, making updates to work profiles, and much more. 

Implementation Is No Longer a Pain

Remember when implementation would take a lot of work, and you’d need to put effort into it? That can be a thing of the past when you start making use of cloud storage. Implementation is seamless and instantaneous. Implementations will never be a stressful thing again if you are able to use cloud storage properly. 

It Keeps Data Safe

If you are using a renowned cloud storage service, then you are going to have stellar security measures in place. This means that your data is going to be very safe when it is being placed in the cloud. HR data is very sensitive, and you do not want would-be thieves getting that information. The cloud storage solution is perfect for your HR needs when it comes to storing that sensitive data. 

from Lisa Peternel | Business