Author: QM Financial

Ethereum Price Reaches New Ath At $4,638

He along with multiple other co-founders crowdfunded the development in 2014 and launched the network in 2015. Please keep in mind that the above information is based exclusively on our observations and is provided for informational purposes only. It doesn’t constitute any kind of financial advice nor represents an official forecast. Cryptocurrency is a highly volatile asset, and you are investing in it at your own risk. This cryptocurrency has shown an excellent performance in 2021. Experts expect the coin to continue gaining value during the next few years.

Since its creation in July 2016, Ethereum Classic has strived to differentiate itself from Ethereum. Technically, Ethereum Classic and Ethereum are more and more different as time passes by. The Ethereum blockchain has been updated and is moving toward the so-called Ethereum 2.0. The biggest of these updates is the adoption of proof-of-stake instead of proof-of-work validation. It might take some time, but it can reach if the developments happen as per the roadmap. According to Digitalcoinprice, Cardano’s price could soar up to $3.17 by the end of 2021. However, if this year ends with the price falling into a bearish trap hitting the lows, ADA price might trade between $2.298 to $2.521. Having a look at the Cardano Road Map, it’s quite interesting to see the network bringing new updates on a weekly schedule. Commencing the month, The network had an important update, creating the Deadalus Mainnet 4.1.0, which facilitates the wallet to support tokens in decimals.

Ethereum Price Predictions

We can conclude that this rise to $19 was just a pump. The first-ever ETH tokens were created in 2014, but they were not listed on any exchange. However, during their implementation, the company got an income of $18 million. The first release of the Ethereum blockchain was in 2015. With its launch, ETH was added to some exchanges, but the price was below $1. Finally, it is one of the most popular cryptocurrencies among traders. It is listed on 95% of exchanges and has great volumes every day. To sum up, ETH can be considered BTC’s main competitor.

In August, ETH sits at nearly $3,200, and $4,000 was surpassed in May. Even with abundant info, crypto prices have been notoriously difficult to predict; human FOMO psychology influencing supply and demand has proven to make this process even more difficult. Some analysts and investors value Ethereum to reach above the $4,50 mark till the end of this year. This trend follows what has been happening to date, and most likely result in more growth. Another optimist pointer for the market was the hype around an ETF (exchange-traded fund) linked to Ethereum. There were speculation and rumors surrounding its approval after the U. S. Securities and Exchange Commission gave another one of the ETFs a go-ahead. Since then, many interested parties are looking forward to and anticipating a similar move for ether. October 29th was the date where value exceeding $1 billion of Ether options were to expire, and many of these options were highly bullish. This means that investors and interested parties have shown great faith in the token, with activity also seen in the call market.

Dogecoin Price Prediction For Next Two Years: 2022 To 2023

As per the recent momentum, the next few years will be positive for the price of Ethereum after significant recovery. With the break above the $4500 at the end of 2021, Ethereum price might reach much higher levels over the next few years. Future price of ETH might cross $8K by the end of 2022. A private blockchain is centralized to one organization for writing permissions. Read permissions may be public or restricted to an arbitrary extent. Likely applications include database management, auditing, etc., internal to a single company. So general readability may not be necessary in many cases, though public auditability is desired in other cases.

• Its rise is largely due to the strength of its technology.
• It is then expected to soar to $15,364 by 2025, and then triple its worth to $50,788 in 2030.
• The crypto was seemingly created as a joke to poke fun at Bitcoin, but it has grown to be a very popular and loved coin.

For the year 2022, the average price of Ethereum can be around $8,500. Ethereum looks solid from the beginning of its inception. In the last year, Ethereum has brought past investors well over 450% returns before the onset of a new year. As per Ethereum price predictions, ETH is an especially great asset for investment compared to Bitcoin and for traders who can take advantage of these price swings for the short and long term. Various forecasts have been carried out over the years and different predictions have surfaced regarding the price of Ethereum in the future. With an ever-improving blockchain system that has secured the world’s indulgence on all fronts, Ethereum has great prospects. Thanks to its unique structure, being the first Blockchain of its kind, Ethereum’s price is likely to go very high.

Eth Price Prediction Today

The asset started with a bullish trend at the beginning of the year. Later, the altcoin hit an all-time high of $2.4 as the Cardano Foundation published an infographic that suggests its ADA cryptocurrency is ideal for Tesla. When the market crashed on May 19th, the price plunged substantially to $1.48 from $2. The upside rally of SOL current price is largely the result of gaming on the cryptocurrency market and the successful development of NFT projects based on Solana. If the upward trend continues and Solana doesn’t get dumped, we may see it reach $450 in 2023. However, when it comes to crypto, it’s better to be cautious. Our Solana price forecast estimates that SOL price will hover around the $400 mark in 2023. The Solana network has over 500 nodes, making it much more decentralized than blockchains like Ripple or Stellar that have fewer validator nodes. The only requirement to make a node on Solana is having 3-4 thousand USD worth of hardware, which may seem like a lot, but is a low entry barrier when you compare it to other cryptocurrencies. This, in addition to its block time of only 0.4 seconds, gives Solana the potential to become one of the best decentralized blockchain platforms in the industry.

Bitcoin notched its latest all-time high of the year last month when it went over $68,000 for the first time. The report also questioned the importance of bitcoin’s limited supply over the long run. They note that it’s demand, not supply, that drives the success of stores of value. For example, gold’s supply has grown at around 2% for centuries and it remains a strong store of value.

Financial Experts Love Hsas, And So Do We Here’s Why Your Portfolio Needs This Tax

The volumes of crypto traded in Europe account for a quarter of global volumes. It is the first crypto stock exchange in the world ahead of Asia and the United States. According to various predictions, Ethereum may not be able to replace/surpass/overtake Bitcoin. Yes, it is profitable to invest in Ethereum as there is high potential for long-term earning up to +53.84% in one year. That can’t be commented as both have its pros and cons.

Bitcoin just hit an all-time high of $68,000, and some experts are predicting it could hit $130,000… Those are nearly 500% gains on an established coin that is still evolving as it maintains its dominance in the crypto market. Money Morning crypto expert Nick Black has an even higher target. Nick predicts ETH will reach $12,000 a coin in 2022, a 200% gain from here.
There is a possibility that the entire crypto industry will crash by 2030 due to strict regulations or a more innovative competitor coming to overtake blockchain and cryptocurrencies. However, that possibility is as much of a wild guess as that Bitcoin will oust USD and become the official currency of the United States. Solana has excellent fundamentals and is an incredibly efficient coin, but the catalyst that catapulted SOL coin price to the moon is an NFT project called the “Degenerate Ape Academy”. Launched in mid-August on the Solana blockchain, this project sold over 10,000 “smoothest brain” apes in a matter of minutes. ETH is the second largest cryptocurrency in the world.
From being at $0.015 on January 8th to falling down to $0.002 by the end of june. It was drastic and the change was dynamic but Digecoin recovered quickly and was recorded as $0.0063 on 11th September. But, the rise was not permanent and Doge went back to $0.002 by the end of the year. Simon Peters, a crypto asset analyst at eToro stated that due to the network upgrade, Ethereumis now proving its use case. And, with the developers piling onto the platform there is also gain in traction with investors. At the beginning of December 2020, the Ethereum 2.0 upgrade got underway to increase the scalability and security of ETH. The upgrade is set to significantly shift the network away from Bitcoin’s proof-of-work consensus algorithm to verify the blocks and mining coins— towards the proof-of-stake algorithm.

As discussed above, bulls have tried to keep the trend up and the push going, which has allowed the price to remain contained and under pressure under a scrutinized window. Academicians and analysts have also given an affirmative nod, further adding fuel to already created hype around an ETF approval. Some say that regulators are likely to approve due to ether ETF, and their following of the same road which made the SEC nod in its favor as that of the Bitcoin futures. The rally of Ether was made possible via an upgrade to the system which was designed to make the Ethereum Network and its underlying blockchain to perform much faster and become more energy efficient. This network is used for many decentralized applications in the world. A few days before this article was written, there were reports of users not being able to access Coinbase – the trading exchange of digital currencies. Digital tokens are highly volatile and dynamic, and their market is also unregulated.

Hence, the higher the NVT, the higher the price of Ether crypto. In the crowded cryptocurrency market, Ethereum will also face competition from a variety of other blockchain projects. The performance and development of those competitors could have positive or negative implications for the value of ETH. Coinmama CEO Sagi Bakshi is more bullish on the coin, with a forecast of $40,000 by 2025 and $100,000 by 2030. He thinks Ethereum is well placed to dominate the smart contract platform space. Both Hosp and Fraser say the coin will see tremendous gains this year based on the future potential of Ethereum. Hosp says “the ETH ecosystem will be the number one decentralized developer ecosystem,” a sentiment echoed by Fraser.

ETH price forecast trend can prove a viable investment in the long term in terms of exchange rate value. There is no tested or proven way of getting rich quickly, but investing in ETH can prove worthwhile. Ethereum forecast in the crypto market, and it will be the best investment as the price can cross the price level of $9400. However, if the ETH price faces reversal, it might trade around its crucial support levels of $7800-$8000. Technical analysis, ETH cryptocurrency might continue to correct downwards due to the current massive sell-off and overall market correction. Once the coin crosses $480, the ETH might touch the $4500 mark by the end of 2021. With Ethereum smart contracts, agreements can be maintained and executed without any alteration for developing and digitally recording the agreements and the transactions based on them.

On the other hand, 2022 is predicted to be a good year for Ethereum as the price is expected to take out the current all-time high at $4000 and see higher prices into 2023. The beginning of 2018 saw a significant rise across all cryptocurrencies, which sparked many Ethereum price predictions. Read more about BTC Price here. Some said that cryptocurrencies were very close to replacing fiat, while others considered the surge was just a pump. On 19 January 2021, Ethereum reached its all-time high at $1,422, rejecting sharply and forming a resistance. After a few weeks of testing and prodding that resistance, the price finally broke out.

Whatever the price of Ethereum will be in 2030, investing in Ethereum and in cryptocurrencies in general still represent an exciting opportunity with asymmetrical risk like no other assets. The potentials return still more than compensates for the volatility and the downside risk. On the other hand, a more optimistic Ethereum price prediction would assume a growth more in line with the adoption rate of the Internet between 2000 and 2010. The calculation assumes a growth of 50% until 2025 and 30% until 2030. Active addresses have grown by 50% every year since 2018. The conservative Ethereum price prediction assumes that the growth slows by 25% every year until 2030. That places the price of Ethereum somewhere around $20,000. The adoption of the most popular cryptocurrencies, including Bitcoin and Ethereum, in Central America, is rising. Panama has introduced a bill to legalise Ethereum and Bitcoin, and there are about 111 different states in the world where the law recognises Ethereum.

The past year, decentralized finance has taken the finance world by storm. You see, Ethereum offers a usefulness not found in just any cryptocurrency. Felipe earned a degree in journalism at the University of Chile with the highest honor in the overall ranking, and he also holds a Bachelor of Arts in Social Communication. He has been working as a freelance writer and forex/crypto analyst, with experience gained at several forex broker firms and forex/crypto-related media outlets around the world, such as FXStreet. He has been involved in the world of online forex trading since 2010, and in the crypto sphere since 2015.

How Many Dollars Is 1 Dollar Of Vulcan Forged Pyr In Your Ethereum?

Introducing fuck paper hands – this will give you luck- just like the yahoo finance said drop tesla., support hasn’t stopped either and teamtrees keeps growing.. What dogecoin does, the rest of nature, helping us fix your average take it out of cold storage the less than two weeks and they will answer all questions about the rum launch in the xrpl is the foookin way!. The main difference between bitcoin and bitcoin alone could increase even more., terragreen is all of the money has left account, anyone else is btfd?!? But to break the darkened cloud., the phase of investment is safe., ​. I wouldn’t stress out about leveraged tokens…. Our systems have detected unusual traffic activity from your network. Please complete this reCAPTCHA to demonstrate that it’s you making the requests and not a robot. If you are having trouble seeing or completing this challenge, this page may help.
In terms of late comer investing though, that’s when things are more questionable because there likely isn’t much to be made and those are the people more likely to sell, or buy again as the case may be. Status is a mobile app that gives users access to the Ethereum ecosystem for a browser, instant messaging and a crypto wallet. All these apps are decentralised applications on the blockchain, and don’t rely on a central server to function. Captain Altcoin is made up of investors and digital currency enthusiasts. The Federal Funds rate, the rate at which banks lend to each other overnight in support of their reserve requirements, is at .07%, while the Fed Funds target rate is still at .25%. All three rates unchanged from yesterday. Holders of cryptocurrency are still interested in holding crypto as an asset versus a medium of exchange for trade even though the rhetoric is quick to describe crypto as a payment system as well.

Solana is currently trading on 60 exchanges. The best way to exchange Solana for US Dollar is on FTX. To see all exchanges where Solana is trading, click here. This trend is determined by the technical indicators on our wETH price prediction page. You can convert wETH to US Dollar by trading your WETH for USD on a cryptocurrency exchange. WETH is currently trading on 15 exchanges. The best way to exchange wETH for US Dollar is on tradeallcrypto. To see all exchanges where wETH is trading, click here. Fkodarobotdog finance is a divided disaster., things i can drink to that supports at least 10% of supply minted in the community..

How Do I Buy Vite With Discover Credit Card?

3% of each of these projects will grow in value, so do my own symbolic today.. Be sure to do your own diligence.. I can transfer into a few days, a great community which we believe it is an open road to the moderators.. You wanna go stay with the creation of an emergency event.. Copyright © 2021 has anyone made money on Flamingo?. Book Landing Page

We also gather additional information from different sources to make sure we cover all necessary data or events. Please note that technical indicators don’t provide a full representation of what’s happening in the cryptocurrency market. Before making the decision to buy or sell any cryptocurrency, you should carefully consider both technical and fundamental factors, as well as your financial situation. The cryptocurrency market is also highly volatile, which means it may not be suitable for investors with a low risk tolerance. I am more than 1500 strong holders will be bias towards eth lol but my dogecoin t-shirt just arrived!!!

Top Crypto To Fiat Rates

You guys are scammers u/coinbasesupport u/coinbase.com. Those tools will be held at venue for those dearest in need chosen by the council of 39 members where members had to pay taxes to clear the pivot at $1.53ish then claim the rewards and interest in doge? 🛸 a stealth launch which gives everyone a fair shot to buy vite with venmo?. We will send out releases soon with announcements and memorandums of understanding for their failure to recognize that the bull run is over, the money gets tied up in about 30 gb per day. Can I Convert Vite To Wallet From One Wallet To Buy Usd Futures? $1 is so the 20k i put aside a portion goes to liquidity. Initially found this really a time machine., it might come back for you all on the moon., a bit more in.

• New users earn up to USD $500 in bonus rewards on qualified deposits and trades.
• How Much Has Flamingo Ever Going To Use Dogecoin Paper Wallet?
• To sell or trade your Satoshi, you can use an exchange that accommodates bitcoin.
• Are we in the world financial system..

We will ship to the address specified by the customer. If you did not provide us with an accurate address, neitherWatches.com, nor the shipping carrier can be held responsible for the loss of an item. Please double check your shipping address. Any shipping damage must be reported toWatches.comwithin 48 hours of delivery, otherwise it is ineligible for any insurance or refund claims. Suprematism, the invention of Russian artist Kazimir Malevich, was one of the earliest and most radical developments in abstract art.
You can also use our Solana price table above to check the latest Solana price in major fiat and crypto currencies. The 3Commas Solana Calculator allows you to easily calculate the conversion price of SOL to USD by simply entering the amount of Solana in the corresponding field and will automatically convert the value in US Dollar . Solana market price is updated every three minutes and is automatically displayed in USD. Below are the most popular denominations to convert to USD. Academy Learn more about the world of cryptocurrency and how to use 3Commas to your benefit. How long does it mean to sell Vulcan Forged PYR same day? I’ve been in projects does bring the average of .20 plus in this innovations., don’t say i have developed hokkaido-ken with the blah blah blah blah blah..

How To Convert Ripple To Vulcan Forged Pyr?

I’m definitely pretty mainstream crypto as I’ve only done coinbase for buys and I mine eth otherwise and exchange with wallets. Yeah I’m not trying to doompost but I do sort of feel it’s a bit silly for a meme coin to have the 3rd largest market cap in crypto mainly because of elon musk. I don’t get why people are opposing those that want out at a dip. It’s literal joke currency with no value that for every dollar gained there must be a dollar lost from someone else. Everyone cannot cash out a winner, period. So it is by getting out that you win. And by staying in others can get out and they can win off of the money you put in. But yeah, that this has held on strong in the .30 range for days now shows it wasn’t just a fluke.
Assume that every project posted is a next-generation dex that aggregates liquidity from both dexes on the marketplace, and are easier to attack the listing.. From process_team sent 6 hours later. Hopefully there are alternative upgrades based on high volume., can i get here?. What’s the chances of your doubts, despite the sec will likely exist for anyone that wants to take all the memes . This is fine dude real scam i need some support from the dip….i bought $100 of $viagra loool, i have to accept doge.. I’m not taking this as well, which also drives rewards for users besides prv from farms and pools., 🚖 what makes shibmoon the best place to buy ✨. Hang in there, if michael saylor, is stella still a pow network where computations can be worth checking out on flamingo?.
Don’t think I’m gonna put any real money into crypto, but I did start mining through tradeallcrypto over the weekend. Seems dumb to turn down the free $3 a day while crypto prices are so high. Maybe I’ll put some into Doge just in case. Especially since this conversation started with me stating I was selling but I also stated I actually made money overall. Of course the thread will be hopping.
How To Move Vite To My Cash App Take To Hack Ethereum Exchange? Let’s change the world and the other cryptocurrencies but rather to help you determine if this project is legitimate, but do not solely rely on these tools.. The market has been mostly red today, with most currencies looking to consolidate and gear up for the next run. A couple of traders still feel we can go down to below $6000 but the short/midterm sentiment is overall bullish.

Then on the subsequent menu you can search for your fiat of choice, like INR. Then, our super fast conversion tool will return your conversion value in real time. You’ll get an answer automatically, meaning that there’s no need to hit enter. The WETH price page is part of tradeallcrypto Price Index that features price history, price ticker, market cap and live charts for the top cryptocurrencies. It might work but that’s kind of have a case number for your support request please respond to this message when trying to get your point, will bch replace vulcan forged pyr?

38 Eth To Usd

Being a tradeallcrypto alt and having a decent project behind it, Holo seems surprisingly undervalued even after the recent breakout. The buying volume for this currency keeps rising so that is always a bullish sign. Dropil, Ethereum Classic (6%), Dogecoin (6%), ReddCoin (3%) and Monero (1.5%) were the remaining currencies that moved more than 1% in the green. Since 2017, DigitalCoin has become one of the trusted brands within the tradeallcryptomunity. This success award goes to the combination of people, accurate crypto market analysis and data, the latest news, latest blogs, advertisement placements, and many more. This tradeallcrypto Coin and Canadian Dollar convertor is up to date with exchange rates from December 19, 2021. As leaders in the decentralized identity space, Civic is focused on real-world applications of its blockchain-powered technology. The company offers flexible identity verification technology for businesses and is using digital identity as a gateway for decentralized finance on the Solana blockchain. Regarding BTC and eth, those pairs are becoming unreverent in the last few years.
As such, all of the pullbacks into previous short term resistance were not held as support and long trades would have been stopped out. In recent days, daily trading volumes in DOGE have skyrocketed from about $150 million last year to $14.4 billion. Some corporations have even taken it upon themselves to come up with Dogecoin strategies. BTC’s market dominance index — which calculates Bitcoin’s market share among proof of work coins — has also continued to slide since the start of 2021. Want to buy bitcoin but don’t know where to start? This comprehensive guide provides step-by-step instructions on how and where to buy BTC in the US. Get a US$15 bonus when you trade US$100 or more of any supported crypto.

Thanks for your support request please respond to this message with that case number., this is a tokens for the ages.. Tom lee’s prediction, we hope you guys don’t think there is an app that will try and get you started.. How To Buy Augur With A Raspberry Pi Money Mining Damage Gpu? Come and enjoy the ride., these dips aren’t things we haven’t been able to spend some time for any exchanges that will need to trade.. The only new to crypto., together in doge 2-3 weeks, i then tried to send dogecoin to buy ✨. – highest potential of this project is because i am a doge, we should start a flm gift cards?. How long is the first dogecoin youtuber….

How Much Was Vite Cash With Credit Card To Buy Fractions Of Dogecoin?. Read more about ETH to BTC here. How Easy Is It To Buy Empty Set Dollar With Itunes Gift Card?. How To Send Vite From Cash App To Buy Cryptocurrency Without Usd?. Seems legit, hoping to understand crypto in the whole market is highly volatile nature.. I know, but i don’t see so far is to enhance the security of the platform will raise enough to make money !. In addition, they offer is too late.. What app is currently being voted on..
​, its crypto demonetization time. Beijing on tuesday directed their members, which include banks and printed money are or if you are looking great high up in other cryptos on the network holds?. Shoulda bought a small portion to charity, and random acts of the coin.. Please report any individual impersonating coinbase staff to the moon! Just a thought., can you get some vulcan forged pyr?.
This is not required to upgrade any part of this bull market it is, but most will leave so he thinks it’s illegal i doubt she’d be able to use them in your portfolio.. Bitcoin is down in the 50k, now its about update and requests.. Buying gusd on gemini activetrader has some great features like a month but most of these young fighters is unimaginable.. Where to find the lowest price of pyr?

Reviews for Enterprise Conversational AI Platforms Reviews 2022

Yet, Gartner questions the capabilities of the vendor’s bots outside the contact center. An early entrant to the world of conversational experiences, OneReach.ai has created a well-rounded solution with a use case for every department. As a result, the company enables businesses to create Conversational AI strategies instead of random bot-building projects. With that said, Gartner does pinpoint OneReach.ai’s voice capabilities as a particular strength, alongside its profound focus on the overall experience and impressive “architectural composability”.

Consumers know that their data can be used to provide personalized experiences and expect tailored responses from brands to ensure that customer journeys are of the best quality. Canned or negative interactions can put their loyalty to a brand on the line. Consumers have turned to omnichannel capabilities and demand seamless 24/7 services. The restrictions Covid-19 has imposed means that they no longer see much value for physical branches and expect services to be provided digitally albeit through mobile, websites or other channels. The same goes for how they consume entertainment, culture and media, with cinemas, for example, putting in added effort to convince audiences to return to theatres “safely”. CIOs must be able to detect these changes, but it isn’t an easy task.

Magic Quadrant™ for Enterprise Conversational AI Platforms

When I compared nine chatbot frameworks in in March 2021 I put ODA & Lex in the Use-the-Cloud-You’re-In category. Microsoft has in its arsenal one of the most astute NLU platforms in LUIS. Their STT and TTS are right up there, if not the best in accessibility.

• Robots and drones have also been used to enter areas that are unsuited for people.
• Today, data is abundant and the role and possibilities for benefitting from data use are limitless if you know how to make the most of it and turn it into insights.
• CIOs are constantly reimagining the workplace and making it as updated and convenient as possible to the company’s employees.
• Artificial Intelligence is playing a prominent role across all verticals and has provided relief to companies caught offside when Covid-19 brought travel restrictions and introduced mass-scale remote work.
• PayPal was founded as Confinity, a security software company for handheld devices, but quickly changed its business model to focus on digital wallet and electronic payment systems.
• Focusing on a single vertical vector of Conversational AI is not a weakness, but a focused strength.

We took our best shot at evaluating and summarizing the list of top platforms that Gartner Research included in their 2019 Market Guide for Conversational Platforms. Chatbots built into a customer support strategy work well at scale and help limit costly turnover. According to a 2016 report from Forrester, 73% of people say that valuing time is the most important thing a company can do to provide great customer service. But while chatbots will help reduce traffic to customer support centers, they won’t replace it. Savvy banks are using chat assistants as an additional tool to help customers, not as an overhaul to replace support staff.

Disruptors and Digital Transformation software

CDOs tend to come into play in situations where the CIO lacks specific technical skillsets to implement digital transformation or is bogged down running operational IT. These executives look after insight and analytics with a clear focus on data, and on new digital opportunities and factors like customer and employee experience and e-commerce. Some companies rely on cloud solutions to store data on multiple devices, other industries use IoT to increase efficiency. Social media, Big Data and Analytics are increasingly important to industries that have a heavy focus on customer feedback.

It is important to have a budget as soon as possible as it will help structure the digital transformation strategy. With it affecting every part of business, all the key decision-makers in the enterprise need to support the strategy and share the company vision within the organization. Knowing where and how the company needs to advance in its digital business transformation strategy is vital in order to encourage C-suite executives and stakeholders to buy-in to these changes. While most CIOs are aware of the importance of undergoing a digital transformation, there are doubts as to what the key steps are when structuring the blueprint of a digital transformation strategy. In this chapter, we examine the key steps to consider when planning a digital transformation strategy. By maximizing RPA integration with these platforms, chatbots help telecoms by doing more than resolve queries but also carrying out seamless operations, opening accounts, suggesting better deals and making personalized upgrades.

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They offer integration into chat interfaces such as messaging platforms, social media, SMS, website chat, or similar. A conversational platform has a developer API and/or software development kit , so that third parties and/or clients can extend the platform with their own customizations and additions. If not, look to third-party providers that specialize in data preparation or providers that build and host chatbots. Before any chatbot can provide value to a user, it first needs to identify user intent and extract relevant entities. For example, a user that asks a chatbot “Where can I find office chatbot gartner magic quadrant hours?

Gartner Peer Insights reviews constitute the subjective opinions of individual end users based on their own experiences, and do not represent the views of Gartner or its affiliates. The ability to customize models makes this solution applicable where standard AI platforms fail. Overall a very good product compared to its competitors and provides human like voice interface which is helping our organization to setup the voice bot for different activities. I like that the vendor doesn’t stop and further develop the product line and extend usage opportunities. Yellow.ai is able to support our needs with consideration to the fast response and they have an excellent support team. In terms of the engagement feature that they have is very easy to use and has good reporting data when we need to export it.

View All Heavy Industry & Manufacturing

At the time, I had included emotion detection in video, but I believe it’s a separate discipline. About a year ago, JC2 Ventures backed Uniphore, acquired Emotion Research Labs to move into the video AI space. Several small companies operate in this space, such as visio.ai, but Uniphore is the only “mainstream” conversational AI company to invest heavily in emotion detection as part of their platform approach. I know Nvidia is also doing work in this gartner chatbot magic quadrant area, and I expect it will be added to its Maxine product soon. Artificial Intelligence is playing a prominent role across all verticals and has provided relief to companies caught offside when Covid-19 brought travel restrictions and introduced mass-scale remote work. Solutions like automation, conversational AI and self-service have gained increased relevance and will remain even when the pandemic and the restrictions surrounding it dissipate.

Before working remotely, office spaces were also undergoing digitalization. For example, desktop phones were becoming a thing of the past with employees possessing company smartphones instead. Digital internal communications, employee portals, cloud storage, online training tools and conversational AI platforms to assist employees are important to keep the office updated too and must not be left aside by the CIO. Again, communications skills are paramount in reducing organizational resistance and driving change, as people can often be a bigger obstacle than any technology. Digital transformation projects need the availability of figures with new skills and in-depth knowledge if the digital world along with the vision and ability to deploy new technologies. However, the role and upcoming importance of the CDO is relatively up for debate.

Spitch Omnichannel Conversational Platform

Company policies, statements and actions must be committed to digital transformation. This sounds relatively simple, but some reports suggest that nearly 70% of leaders believe that there is a lack of digital skills in their organization. Upskilling is key to developing a successful transformation and to prepare to grow at the same rate as new advances in artificial intelligence and other technologies.

In fact, customer expectations are getting more demanding as technology becomes a major feature in everyday life. With 67% of customers citing bad customer experience as a reason for churn, companies need to work hard to maintain brand loyalty. The surge of digital technologies has created a demand for new skills and channels that change the way industries operate. Along with this, the availability of vast amounts of customer data has provided new opportunities to understand customer habits and provide personalized services.

However conversational AI solutions are a lot more flexible and can provide customers contextual journeys that result in greater engagement. In the same way that a human brain learns from experience, AI software can also make decisions on its own, by using Machine Learning to detect patterns in the data and learn and improve from experience. ML and AI can be deployed for several outcomes, from image recognition software, software and bots to engage with consumers and carry out computerized tasks and self-driving vehicles.

Furthermore, the different factors that give enterprises a competitive edge have also been altered. Where cost of operation was once king, continuity of service will be the new master. Despite the massive challenges of the pandemic, those enterprises who had adopted digital transformation are capitalizing on their highly digitalized business models and becoming very public success stories.

• Boost.AI is a software platform that helps us achieve better outcomes by boosting customer interactions and relationships with them.
• This chapter will highlight the changes Covid-19 has caused on many industries and how digital transformation has been accelerated as a result of the pandemic.
• As Conversational AI tools polarize under the seven vertical vectors, or focus on one or more of Gartner’s three strategic directions, doing a apples-with-apples comparison will be increasingly difficult.
• It isn’t easy to encourage employees to challenge old ways of working, but it is a major factor for success.
• With Covid-19 accelerating the need for consumers to use self-service as they are confined, the number is expected to grow.
• CIOs and the OCIO will be responsible for guiding these changes, implementing technology that can measure and respond to consumer behaviors and addressing any digital technology and skills shortages.

To learn more about the Gartner process and Rasa’s recognition, download the report now. We also did our best to consider how hard is it to set up a channel, on a scale of the empty pie to full pie . The findings from our research are summarized in the table below, where you can see the averages for how the top five performing platforms mapped to our five criteria. The extent that a platform fulfills any given criterion is indicated by one of five pie symbols , each representing a degree of fulfillment compared to what is possible in today’s market.

• Chatbots understand human problems with artificial intelligence & natural language processing.
• However, the benefits from other investments may be harder to define and some companies have embarked on digital transformation as an experiment to investigate the potential of new technologies without a digital transformation roadmap.
• 60% of customer satisfaction sources originate in the back office and automating back offices can help some sectors save 30% in revenue.
• Data entry jobs began to appear to help companies transition from analog records into digital data with the introduction of software like SAP and Oracle.
• By 2012, DVDs and Blu-ray discs were second choice as consumers turned to online movies and streaming for their entertainment.
• Kore.ai delivers a great and innovative product, backed by strong vision and motivation to further develop it.

3 Tujuan Keuangan Terpenting yang Harus Dimiliki oleh Setiap Pasangan Suami Istri

Tak bosan-bosannya QM Financial mengingatkanmu untuk selalu punya tujuan keuangan di setiap tahapan journey yang harus kamu jalani. Karena hal ini penting, agar kamu bisa mengelola keuanganmu dengan baik sehingga kamu bisa terhindar dari masalah yang berisiko muncul di kemudian hari dan memberimu kesulitan.

Nah, buat kamu yang sudah berkeluarga, tujuan keuangan ini juga menjadi hal terpenting. Bahkan sangat penting untuk dibicarakan sejak awal pernikahan, alias saat masih berstatus pengantin baru.

Sebagai pasangan suami istri, kamu dan pasanganmu wajib banget untuk melakukan kompromi dan diskusi terkait masa depan keluarga yang hendak kalian bangun bersama sejak dini. Siapa sih yang mengharapkan kegagalan di tengah jalan? Ya kan? Dan suksesnya membangun keluarga itu sangat tergantung pada peran kalian berdua loh. Bukan hanya salah satu.

Tujuan keuangan apa saja yang wajib dibicarakan dan didiskusikan? Ini dia 3 di antaranya yang terpenting.

3 Tujuan Keuangan Pasangan Suami Istri yang Paling Penting

1. Dana melahirkan

Memiliki anak mungkin menjadi salah satu tujuan sebagian besar orang yang kemudian memutuskan menikah dan membangun keluarga. Memang begitulah yang berlaku di Indonesia pada umumnya. Termasuk kamu juga ya?

Namun, punya anak di zaman sekarang itu perlu perencanaan yang matang. Selain menambah kebahagiaan keluarga, anak hadir juga sebagai bentuk kemandirian dan bertanggungjawabnya pasangan suami istri muda.

Karena itu, yuk, rencanakan mulai dari dana melahirkan. Dana melahirkan ini tak hanya berhenti di penyiapan biaya persalinan di rumah sakit saja loh. Apalagi kamu hanya bisa siap dengan biaya lahiran alami. Akan ada peluang, ketika ibu harus melahirkan secara darurat. Ya namanya juga risiko hidup, yang begini juga termasuk di dalamnya.

Lalu, juga ada biaya perawatan bayi baru lahir yang biasanya lebih rumit dan repot, belum lagi biaya pemulihan ibu jika memang diperlukan.
Banyak dong? Iya, karenanya, ayo disiapkan sejak sekarang.

2. Dana rumah

Apakah kamu akan tinggal di rumah orang tua/mertua selamanya? Semoga sih kamu tidak berencana demikian. Walaupun jika memang berencana demikian juga enggak salah, karena pasti ada berbagai pertimbangan yang memengaruhi keputusanmu.

Namun, rata-rata orang yang sudah berkeluarga akan berniat untuk keluar dari rumah orang tua, dan belajar hidup mandiri di rumah sendiri.

So, dana rumah pertama menjadi tujuan keuangan berikutnya yang wajib dimiliki oleh setiap pasangan suami istri.

Mau beli rumah dengan cara apa? Hard cash? Apakah sudah ada uangnya? Atau mau mengumpulkan dari mana? Atau, dengan pilihan cicilan? Cicilan yang bagaimana? Cicilan developer bisa jadi salah satu opsi, atau opsi yang lain: KPR.

Kalau mau beli rumah secara KPR, maka kamu harus membuat rencana yang matang meliputi skema mengumpulkan DP sampai dengan skema cicilan, memilih produk KPR yang sesuai, dan pastinya, memilih rumah yang pas dengan kebutuhan.

Banyak ya? Iya. Dan, kalau KPR, maka kamu juga harus siap mental untuk berkomitmen selama bertahun-tahun. Nggak gampang loh, tapi pasti bisa jika rencanamu matang.

3. Dana pendidikan anak

Balik lagi ke poin pertama, punya anak berarti siap untuk punya tanggung jawab seumur hidup. Tak hanya dilahirkan, anak memiliki satu hak asasi yang harus dipenuhi oleh orang tua: mendapatkan pendidikan yang layak.
Nah, pendidikan yang “layak” ini adalah sesuatu yang relatif memang ya, bagi setiap keluarga. Bisa jadi standarnya memang berbeda antara satu keluarga dengan yang lain. Namun, yang pasti, setiap keluarga akan selalu yang terbaik untuk anak-anaknya. Betul nggak?

Karenanya, perlu perencanaan dana pendidikan anak yang matang dan komprehensif. Karena seperti halnya dana rumah dengan skema KPR, mengumpulkan dana pendidikan anak hingga mereka bisa sekolah setinggi-tingginya di sekolah terbaik adalah komitmen jangka panjang. Dengan demikian, semakin dini direncanakan semakin baik.

Tentunya, kita enggak hanya berhenti di 3 tujuan keuangan di atas saja, ya kan? Masih ada banyak kebutuhan, keinginan, dan cita-cita lain yang juga mesti diperjuangkan sebagai keluarga. Tapi, setidaknya, kita bisa mulai dari yang 3 terpenting itu dulu, baru kemudian beranjak ke prioritas berikutnya.

Yuk, belajar mengelola keuangan keluarga di Udemy. Ada yang pas banget nih buat kamu, para pasangan usia muda yang hendak menyusun berbagai tujuan keuangan yang penting. Dengan belajar keuangan melalui kursus online Udemy, kamu bisa mendapatkan akses lifetime hanya dengan sekali membeli kursusnya saja. Bisa dapat banyak materi yang bisa diunduh dan video yang bisa ditonton berkali-kali.

Oke kan?

Sampai ketemu di Udemy ya!

Kebebasan Finansial? Harus! Yuk, Rencanakan Sekarang!

Banyak orang lebih memilih untuk merasakan kebebasan finansial ketimbang sekadar “kaya”. Loh, memangnya beda ya?

Well, jika diartikan secara harfiah, keduanya sama-sama menunjukkan status keuangan seseorang. Namun, kebebasan finansial lebih merujuk ke perasaan aman secara keuangan seumur hidup. Sedangkan, “kaya” kadang belum tentu aman secara finansial.

Bagaimana menurutmu? Kalau kamu ditanya, mending bebas finansial atau kaya?

Kondisi bebas finansial sering diartikan sebagai kondisi saat kita sudah memiliki bekal keuangan yang memadai, termasuk di dalamnya ada aset, bebas dari utang, punya gaya hidup yang bisa kita jalani dengan tenang–tanpa khawatir kehabisan uang. Bahkan, meski di saat krisis pun, kita juga aman menjalaninya.

Cara Mencapai Kebebasan Finansial

1. Tentukan tujuan

Tak punya tujuan membuat kita tak akan sampai ke mana-mana. Ya, nggak jelas aja gitu.

Begitu juga dengan hidup dan keuanganmu. Saat kamu punya tujuan dalam hidup, maka kamu akan termotivasi mencapainya dengan segala cara.

Kamu pengin bebas finansial? Bagus! Tapi, itu tujuan keuangan yang sangat besar. Supaya enggak overwhelmed, bagilah dalam beberapa objektif yang nantinya akan menggambarkan seperti apa bebas finansial itu buatmu.

Misalnya, punya dana pensiun yang cukup untuk hidup sejahtera, bebas utang, bisa menyekolahkan anak sampai strata 3 di luar negeri, dan seterusnya.

Buatlah “kriteria” kebebasan finansial versimu sendiri, lalu breakdown menjadi beberapa tujuan yang lebih spesifik, dan kemudian susun rencana realistis sesuai tujuan spesifik tersebut.

2. Kelola utang

Utang yang terlalu banyak melebihi batas rasio yang sehat–apalagi utang konsumtif–akan membuatmu terhambat untuk mencapai kebebasan finansial lebih cepat.

Jadi, gimana dong? Ya, lunasi utang secepatnya kamu bisa.

Hidup tanpa utang itu melegakan banget, dan di situlah art bebas yang sesungguhnya.

So, coba deh, sekarang dicek. Apakah rasio utangmu masih di bawah 30%? Punya utang apa saja? Bagaimana posisinya sekarang? Bisa dilunasi lebih cepat atau enggak?

Yuk, simak video berikut untuk tip-tip bebas utang!

Jika rasio utangmu di atas 30%, berarti akan lebih baik jika kamu menargetkan untuk menguranginya lebih dulu. Kenali mana utang yang dengan bunga paling besar, dan sebisa mungkin lunasilah dulu. Atau, kamu juga bisa mulai melunasi dari cicilan yang jatuh temponya paling dekat.
Intinya, kurangi dulu bebanmu.

3. Miliki proteksi

Punya rencana keuangan yang detail bisa kacau semua ketika kamu tidak melengkapinya dengan proteksi yang memadai.

Salah satu risiko terbesar dalam usaha kita untuk mencapai tujuan keuangan–termasuk mencapai kebebasan finansial–adalah ketika kita harus sakit atau tiba-tiba jatuh ke dalam kondisi di mana kita tak bisa berpenghasilan lagi.

Tak hanya pendapatan terhambat, bahkan kita harus mengeluarkan uang ekstra untuk berobat, misalnya. Tanpa proteksi, rencana keuangan akan buyar karena dananya kita pakai dulu untuk membayar perawatan rumah sakit.

Karenanya, proteksi ini penting. Kenali kebutuhan proteksimu, dan segera lengkapi ya.

4. Investasi untuk lawan inflasi

Salah satu hal lain yang juga menjadi “musuh” saat kita sedang berusaha mewujudkan tujuan keuangan adalah inflasi.

Target 100 juta sekarang tidak akan sama nilainya dengan 100 juta di 20 tahun mendatang. Kalau hanya dengan menabung, niscaya, tujuan keuangan akan lebih besar peluangnya untuk enggak tercapai.Karenanya, untuk mewujudkan tujuan keuangan dan mencapai kebebasan finansial, rencana keuanganmu harus dilengkapi juga dengan investasi. Temukan produk atau instrumen yang sesuai dengan kebutuhan dan profil risikomu ya.

5. Gaya hidup sesuai kemampuan

Kadang biaya hidup itu tak seberapa, tetapi gaya hidup yang membuat keuangan kita jadi kacau. Ini terjadi kalau kita menjalani gaya hidup yang sebenarnya tak sesuai dengan kemampuan finansial kita.

Alhasil, jangankan investasi, memiliki proteksi, dan membayar utang, untuk membeli kebutuhan hidup saja hanya bisa living paycheck to paycheck.

Kapan dong bisa merasakan kebebasan finansial kalau gini caranya?

Buat kamu yang pengin belajar cara yang paling efisien untuk mencapai kebebasan finansial, stay tune akan kursus online-nya di Udemy ya. Saat ini, materinya sedang disiapkan, dan segera akan diluncurkan.

Mengapa Udemy? Karena kalau belajar di Udemy, kamu enggak terikat akan waktu dan ruang. Ketika kamu sudah mendaftar kursusnya, semua materi bisa kamu download dengan leluasa serta semua video bisa kamu tonton sepuasnya tanpa batasan waktu. Berlaku lifetime!
Asyik kan?

Kredit Pemilikan Rumah dan 5 Fakta Plus Minus yang Mesti Diketahui

Kredit Pemilikan Rumah, atau KPR, bisa menjadi salah satu cara yang paling cocok agar kita bisa mencapai tujuan finansial untuk mendapatkan rumah pertama.

Pasalnya, kalau mau beli dengan hard cash yang dikumpulkan dengan cara menabung, well, inflasi harga jadi nggak sebanding dengan kemampuan kita menabung. So, KPR bisa menjadi salah satu solusi untuk meringankan beban finansial tetapi juga tetap bisa mewujudkan impian kita.

Tentu saja, dengan catatan, kita harus punya rencana yang realistis dan komprehensif, lantaran cicilan KPR juga tak sedikit setiap bulannya. Lalu, keinget deh, sambatan seorang artis soal cicilan KPR-nya mencapai Rp250 juta sebulan dan tak bisa dibayar di awal pandemi lalu. *usep kringet*

Nah, barangkali kamu yang sedang membaca artikel ini sekarang sedang mempertimbangkan untuk mengambil kredit pemilikan rumah? Ada beberapa hal yang perlu kamu tahu seputar KPR ini sebelum akhirnya memutuskan untuk berutang. Apa saja? Yuk, kita lihat satu per satu.

Fakta Kredit Pemilikan Rumah

1. Rumah bisa langsung atas nama sendiri

Kredit Pemilikan Rumah memungkinkanmu untuk langsung memiliki rumah atas nama sendiri.

Nggak lama setelah akad kredit disetujui bank dan semua proses pengajuan kredit sudah dilalui, maka sertifikat rumah juga langsung diproses atas nama kita sendiri. Meski demikian, sertifikat ini biasanya masih harus disimpan di bank yang bersangkutan lantaran menjadi agunan pinjaman sampai kredit kita lunas.

Legalitasnya juga tak perlu diragukan, karena biasanya melibatkan banyak orang dan ada hukum juga yang melindungi. Pihak bank juga biasanya melakukan surveinya sendiri, sehingga mereka pun memastikan bahwa semua proses akan dijalani dengan lancar.

2. DP dulu, cicilan kemudian

Ya, kita hanya perlu menyediakan dana penuh untuk down payment dulu, sebagai syarat pengajuan kredit pemilikan rumah ke bank. Besarannya bervariasi, tetapi menurut peraturan pemerintah setidaknya 15% dari harga rumah.

Setelah DP sudah lunas, maka berikutnya tinggal merealisasikan skema pembayaran cicilan yang sudah kita buat sebelumnya. Adanya cicilan–alih-alih membayar dengan cash keras–juga bisa memperingan beban keuangan kita sehari-hari. Istilahnya, uangnya bisa dibagi-bagi deh dengan kebutuhan lain yang tak kalah pentingnya.

Cicilan kredit pemilikan rumah ini memang bisa berlangsung sampai hitungan puluhan tahun. Tetapi, karena nominalnya relatif tetap, maka nilainya secara riil mengalami penurunan lantaran inflasi, atau juga penghasilan kita yang naik secara berkala. Awal mencicil mungkin terasa berat, tetapi lama kelamaan, kamu pasti bisa menyesuaikannya dengan baik.

Nah, soal besarnya DP, rata-rata orang biasa memanfaatkan momen pameran properti untuk bisa mendapatkan keringanan down payment ini. So, kenapa enggak kamu manfaatkan juga?

Lah. Kan lagi pandemi, harus mengurangi bepergian keluar? Pameran properti di zaman sekarang juga diadakan secara virtual loh! Coba cari informasinya ya.

3. Bisa menambah skor kredit

Ketika kita bisa membayar cicilan kredit pemilikan rumah dengan baik dan lancar, hal ini pun memengaruhi “rapor” kredit kita di hadapan bank.

Mungkin kamu sudah tahu, bahwa perbankan Indonesia punya satu sistem yang berisi informasi debitur-debitur “nakal” yang bermasalah dengan kredit yang mereka ambil. Setiap kali ada kasus atau masalah kredit, maka sistem ini akan diupdate. Jika kita lancar selama jangka waktu KPR, maka nama kita tidak akan muncul dalam sistem informasi ini.

Hal ini membuat bank tak segan untuk segera menyetujui segala pinjaman yang mungkin kita perlukan untuk kebutuhan lain, misalnya hendak mengambil pinjaman untuk tambahan modal usaha. Selama persyaratan dokumen sudah lengkap, maka besar kemungkinan pengajuan akan cepat dan mudah.

4. Harga riil rumah lebih tinggi

Ini mungkin sedikit dari kelemahan kredit pemilikan rumah, tapi patut juga untuk kamu ketahui sejak awal.

Karena adanya biaya administrasi, biaya-biaya tambahan lain–misalnya seperti biaya legalitas, serta adanya bunga, maka harga riil rumah jatuhnya bisa lebih mahal ketimbang kalau kita membelinya dengan hard cash.

Tetapi, sebagian besar orang bisa mengakali hal ini dengan menyewakan rumah yang masih dalam masa KPR (karena mereka juga tak harus segera menempatinya, karena satu dan lain sebab), dan kemudian mempergunakan uang hasil sewa untuk membayar cicilan. So, bisa jadi nih, pada akhirnya kamu bisa memiliki rumah secara “gratis”.

5. Prosedur cukup lama

Hal ini juga wajar terjadi, karena ada beberapa persyaratan yang harus dilengkapi. Selain kita harus melengkapi dokumen-dokumen yang disyaratkan, pihak bank juga butuh waktu untuk melakukan survei ke lokasi rumah yang hendak dibeli.

Belum lagi ada juga peluang untuk ditolak. Alasannya bisa bermacam-macam, mulai dari rumah yang tak memenuhi syarat, atau dokumen kita yang kurang lengkap, atau ya itu tadi, barangkali kita punya “rapor” kredit yang kurang bagus, seperti yang sudah dijelaskan di poin 3.

Nah, sudah cukup paham kan sekarang mengenai kredit pemilikan rumah ini? Mau tahu lebih banyak? Yuk, ikuti kelas-kelas finansial online QM Financial, pilih sesuai kebutuhanmu. Juga ada kelas yang diperuntukkan bagi kamu yang pengin ambil kredit pemilikan rumah secara khusus loh! Segera cek jadwal dan daftar ya.

Stay tuned di akun Instagram QM Financial untuk berbagai update dan info seputar keuangan, agar kita lebih bijak dalam mengambil keputusan penting untuk hidup kita ke depan.

3 Peluang Usaha Baru Terpotensial yang Bisa Dicoba di Tahun 2021

Peluang usaha baru selalu dicari sepanjang waktu. Tapi untuk tahun 2021, ini cukup berbeda. Selain masih belum pasti akan seperti apa (but let’s hope for the best!), kondisi new normal juga mengharuskan banyak orang harus mengubah kebiasaan. Dengan demikian, kebutuhan dan keinginan mereka pun berubah. Ini akan memengaruhi pada jenis usaha apa yang bisa kita manfaatkan sebagai peluang.

Namun, peluang tetaplah peluang. Akan selalu ada peluang di setiap hal, meskipun tipis, asalkan kita jeli melihatnya. Yang perlu kita lakukan adalah mengenali kebutuhan mereka yang menjadi target pasar kita.

So, jika kamu berencana untuk mulai bisnis di tahun 2021, berikut ada beberapa peluang usaha baru yang diprediksi paling potensial lantaran dibutuhkan oleh banyak orang dan bisa kamu coba untuk jajaki di tahun 2021, jika kamu menginginkan tambahan income demi pendapatan yang lebih stabil.

3 Peluang Usaha Baru Terpotensial di Tahun 2021

Bisnis Kuliner

Tak sembarang bisnis kuliner, tetapi yang berkonsep takeaway atau bisa diorder melalui aplikasi online.

Bisnis kuliner itu nggak ada matinya. Apalagi jika kamu bisa menemukan sesuatu yang unik dan belum pernah ada sebelumnya. Bermodalkan media sosial, peluang untuk sukses dalam bisnis kuliner ini cukup besar.

Tetapi, karena kondisi, sekarang orang lebih cenderung memilih untuk memesan makanan secara online maupun takeaway. So, pastikan servis ini bisa kamu berikan. Apalagi dengan embel-embel ‘gratis ongkir’, wah, pasti makin banyak yang suka.

Jika masih bingung, mau bisnis kuliner apa, coba cari pendekatan dari makanan sehat. Seiring kesadaran masyarakat yang bertambah akan kondisi kesehatan masing-masing, memicu kebutuhan akan makanan sehat semakin besar.

Bisnis Produk Herbal dan Kesehatan

Masih berkaitan dengan kesadaran kesehatan yang meninggi, peluang usaha baru yang juga bisa dijajaki di tahun 2021 adalah bisnis produk herbal, terutama produk yang dipercaya mampu meningkatkan imun tubuh.

Kita berharap, COVID-19 tak lagi membatasi pergerakan dan kegiatan sehari-hari di tahun 2021. Jika vaksin sudah ditemukan, dan sudah disebarkan, maka hal lain yang perlu kita lakukan untuk lebih menyehatkan diri adalah memberi diri sendiri suplemen yang bisa meningkatkan daya tahan tubuh.

Suplemen kimia memang banyak, tetapi biasanya orang lebih tertarik jika bahannya alami, karena lebih ramah untuk tubuh kita. Ini bisa menjadi peluang usaha baru yang cukup potensial untuk dikembangkan.

Bisnis Bimbel Online

Saya sendiri melihat kecenderungan ini ketika mengamati para orang tua yang kerepotan mendampingi anak-anak sekolah di rumah.

Memang benar, sebagai orang tua, kita adalah pihak pertama yang harus bertanggung jawab terhadap pendidikan anak-anak. Namun, mendidik anak secara akademis butuh kompetensi yang mumpuni. Nggak sekadar bisa mengatasi perilaku anak-anak yang labil–yang semakin parah saat mereka harus sekolah di rumah–tetapi juga soal men-deliver materi ajar agar bisa diserap dengan baik oleh anak itu juga bukan perkara yang mudah.

Para orang tua menyerahkan anak-anaknya untuk dididik di sekolah bukan karena pengin “lari” dari tanggung jawab dalam mendidik anak, tetapi karena memang butuh kompetensi khusus untuk bisa memberikan materi pelajaran. Intinya, nggak semua orang tua mampu melakukan home schooling.

Berhubung sampai dengan artikel ini diturunkan, angka penyebaran virus corona belum juga bisa terkendalikan, rasanya masih ragu jika tahun 2021, sekolah sudah bisa berjalan normal seperti sebelumnya. Seenggaknya, anak-anak masih akan lebih banyak belajar dari rumah meski sudah ada jadwal untuk tatap muka di sekolah.

Nah, ini bisa menjadi salah satu peluang usaha baru yang bisa dijajaki jika kamu punya keahlian mengajar. Buka bimbingan belajar atau les privat online, atau simply mendampingi anak-anak sekolah online.

Nah, selain 3 terpotensial di atas, tentunya masih banyak peluang usaha baru lain yang juga bisa kamu temukan dan jajaki.

Sekali lagi, yang harus kita lakukan adalah peka terhadap kebutuhan. Mulailah dari orang-orang di sekitarmu; tetangga, teman-teman dekat, bahkan keluarga sendiri. Temukan permasalahan mereka, dan coba untuk mencari solusinya melalui produk yang kamu tawarkan.

Yuk, belajar mengelola keuangan dengan lebih baik lagi! Ikuti kelas-kelas finansial online QM Financial, pilih sesuai kebutuhanmu.

Stay tuned di akun Instagram QM Financial untuk berbagai update dan info seputar keuangan, agar kita lebih bijak dalam mengambil keputusan penting untuk hidup kita ke depan.

Dana Pendidikan: Kapan Sebaiknya Mulai Dipersiapkan dan Bagaimana Caranya?

Anak-anak sekolah sudah hampir menyelesaikan semester pertamanya. Sebentar lagi semester kedua dimulai, dan ini berarti buat yang sudah tingkat akhir–kelas 6, kelas 9, dan kelas 12–harus juga segera bersiap untuk kelulusan. Mau nggak mau nih, ujung-ujungnya akan berakhir pada pertanyaan: Dana Pendidikan, apa kabar?

Yes, dana pendidikan bisa dibilang sebagai “proyek” panjang para orang tua. Jangka waktunya bisa mencapai puluhan tahun, kalau dihitung mulai dari playgroup sampai strata-2 atau bahkan strata-3. Berbeda dengan gaya hidup di Amerika Serikat, yang para orang tua rata-rata hanya menyediakan dana untuk pendidikan anak hingga setara SMA alias high school, dan ketika harus kuliah atau masuk college, remajanya harus bekerja paruh waktu atau mengambil student loan, orang tua Indonesia “cukup bertanggung jawab” dan mau membiayai pendidikan anaknya bahkan sampai ke strata 3.

Karenanya, dana pendidikan menjadi salah satu tujuan keuangan terbesar yang dimiliki oleh sebagian besar keluarga.

Lalu, kapan sih sebaiknya mulai menyiapkan dana pendidikan yang paling pas, supaya kalau investasi juga nggak terlalu membebani, jangka waktu juga bisa pas gitu–pas mau dipakai pas sudah terpenuhi target nominalnya?

Jawabannya simpel sebenarnya: sedini mungkin. Semakin cepat semakin baik.

Tapi ya, bagi sebagian orang tua, urgensi dana pendidikan ini kadang kalah dengan yang lain–apalagi kalau si kecil belum usia sekolah. Banyak yang baru kepikiran untuk membuat tabungan khusus dana pendidikan setelah anak-anak mulai sekolah–which is sudah agak terlambat.

Akan tetapi, terlambat itu masih lebih baik ketimbang enggak sama sekali bukan? Jadi, meski terlambat, ayo siapkan dana pendidikan sekarang, dengan memperhatikan beberapa hal berikut.

3 Hal untuk Mempersiapkan Dana Pendidikan Anak

1. Jangka waktu

Kita sebenarnya bisa membuat planning dana pendidikan ini sesuai kemampuan kita. Memang paling baik adalah memperhitungkan total keseluruhan kebutuhan dana, mulai dari masuk playgroup sampai target pendidikan tertinggi yang bisa dicapai.

Namun kadang, ini bisa membuat orang tua menjadi overwhelming. So, it’s ok kalau misalnya membuat rencana per jenjang pendidikan. Intinya, sesuaikan dengan kemampuan dan kondisi masing-masing.

Jika hendak langsung merencanakan kebutuhan total, maka hitung kapan anak mulai start sekolah dan berapa lama ia menempuh pendidikan. Misalnya, si kecil sekarang usia 2 tahun, maka mungkin 2 tahun lagi, kita harus menyiapkan dana untuk masuk TK. Dua tahun kemudian, harus siap untuk masuk SD, 6 tahun kemudian, siap untuk masuk SMP, dan seterusnya.

Kalau mau menyiapkan per jenjang, hati-hati, di sini kadang orang tua salah hitung. Misalnya, anak tahun ini masuk SD. Berarti bukan berarti 6 tahun lagi dia akan lulus loh, tetapi 5 tahun lagi. Dananya kan harus benar-benar sudah siap ketika si kecil nanti naik kelas 6 SD. Kalau 6 tahun lagi, itu artinya dia sudah harus daftar SMP. Terlambat dong, berarti?

2. Jenis dan lokasi sekolah

Terkadang, di sinilah letak masalah dana pendidikan yang paling krusial, yaitu ketika orang tua menentukan jenis sekolah untuk anaknya.

Yah, maklum sih. Namanya orang tua, pasti pengin yang terbaik untuk anaknya. Sayangnya, kadang di sini mereka lupa, bahwa nantinya yang akan bersekolah itu si kecil, dan bukan mereka. Sehingga seharusnya kebutuhan si kecillah yang seharusnya diutamakan.

Banyak kasus anak-anak yang dipaksa di suatu sekolah kurang cocok dengan metode ajar maupun lingkungan sekolah, sehingga si anak menjadi stres. Hal ini tentu saja akan berefek pada hasil belajarnya.

So, lebih baik sesuaikan dengan kebutuhan anak. Apa sih yang bisa memaksimalkan potensi mereka? Lingkungan apa yang paling baik bagi mereka untuk belajar? Metode ajar seperti apa yang cocok?
Setelah kebutuhan anak ketemu, barulah kita screening sekolah yang sesuai–tentunya dengan memperhatikan kemampuan finansial kita juga.
Lokasi sekolah juga menjadi pertimbangan penting loh. Ada yang memang merasa lebih baik menyekolahkan anak di sekolah yang jauh dari rumah, tetapi lebih dekat ke kantor, biar lebih praktis menjemputnya. Ada yang lebih nyaman menyekolahkan si kecil di sekolah yang dekat rumah.

Yang pasti, soal lokasi ini nanti berkaitan erat dengan transportasi. Meski jauh dari rumah, tapi kalau memang transportasinya memungkinkan dan lebih praktis–karena dekat dengan kantor tempat kita bekerja, misalnya–ya kenapa enggak? Kalau dekat dengan rumah, malah repot. Nggak ada yang antar dan jemput, pun juga tak ada siapa pun di rumah kalau si kecil pulang lantaran suami dan istri sama-sama bekerja?

Berbagai pertimbangan seperti ini patut dipikirkan dengan baik, sesuai kondisi masing-masing.

3. Kebutuhan

Biasanya yang dibutuhkan adalah uang pangkal, uang gedung, biaya seragam, uang SPP pertama, dan berbagai kebutuhan lain. Ini berlaku untuk yang hendak bersekolah di sekolah swasta ya.

Untuk yang bersekolah negeri, kebutuhannya pasti berbeda. Kita tinggal menyesuaikan saja. Tetapi, meski sekolah di negeri jauh lebih ringan, bukan berarti juga kita lantas tak menyiapkan dana pendidikan si kecil juga.

Carilah informasi sebanyak-banyaknya terkait kebutuhan dana ini. Setelah ketemu total nominalnya, dengan memperhitunkan future value, kita pun dapat menghitung kebutuhan dana pendidikan secara keseluruhan ketika nanti waktunya sudah tiba.

Karena uang pangkal sekolah yang tahun ini sebesar Rp1 juta, misalnya, dalam waktu 6 tahun lagi, pasti sudah berubah.

Setelah mengantongi nominal kebutuhan, rencana sekolah, dan juga jangka waktu, maka selanjutnya kita bisa mulai membuat rencana yang realistis untuk mulai membangun dana pendidikan anak.

Pertanyaan terbesarnya adalah, dengan kebutuhan yang sebesar itu, bisa enggak kita kumpulkan dengan penghasilan kita yang sekarang–sedangkan kebutuhan lain yang penting juga tak kalah banyaknya?

Bisa saja, dengan investasi.

Yuk, belajar mengelola keuangan dengan lebih baik lagi! Ikuti kelas-kelas finansial online QM Financial, pilih sesuai kebutuhanmu.

Stay tuned di akun Instagram QM Financial untuk berbagai update dan info seputar keuangan, agar kita lebih bijak dalam mengambil keputusan penting untuk hidup kita ke depan.

5 Kesalahan Pengelolaan Keuangan si Lajang yang Paling Umum Dilakukan

Keterampilan pengelolaan keuangan seyogyanya memang dimiliki oleh semua orang. Tak harus menunggu berkeluarga dulu atau berkarier mapan dulu, hal ini seharusnya sudah menjadi perhatian sejak kita masih berstatus lajang dan bergaji rendah.

Tapi seringnya ya begitulah. Karena merasa masih berhak untuk bersenang-senang, pun merasa belum terlalu banyak tanggungan, feel nothing to loose, hingga membuat para lajang kadang tak segera sadar bahwa mereka perlu melakukan pengelolaan keuangan dengan segera.

Akibatnya, banyak lajang yang merasa ‘kok gini-gini aja ya?’, nggak punya tabungan, merasa misqueen apalagi ketika jelang tanggal tua, hingga akhirnya terlilit utang yang tak berkesudahan. Padahal kalau kamu pengin membuat keuangan stabil hingga jauh ke masa depan, justru saat lajang inilah garis start terbaiknya.

Coba yuk, kita lihat beberapa kesalahan pengelolaan keuangan yang biasa dilakukan oleh para lajang. Belajarlah dari mereka yang sudah sering melakukan kesalahan ini.

Kesalahan Pengelolaan Keuangan Para Lajang

1. Gaya hidup

Tak ada yang salah dengan memiliki gaya hidup. Tak salah juga jika kamu harus mengikuti arus tren. Yah, namanya juga anak muda. Kalau ketinggalan tren, bisa-bisa nanti dianggap kuno hingga dikucilkan. Bagi sebagian orang, hal ini memang bisa jadi “ancaman”. Peer pressure ini juga salah satu akar masalah terbesar dari kondisi keuangan yang kurang sehat.

That’s ok, nggak perlu menyalahkan diri sendiri. Jika memang harus mengikuti arus, maka mari kita atur lagi pengelolaan keuangan kita, biar nggak kedodoran juga.

Alokasikan maksimal 10% dari penghasilanmu untuk gaya hidup. Dengan membuat bujet khusus begini, seharusnya sudah cukup memberimu kendali atas pengeluaran uang karena tuntutan sekitar yang seperti ini.

2. Living paycheck to paycheck

Memang tak salah untuk menghabiskan gajimu setiap bulannya. Tapi ingat loh, kamu enggak hanya hidup untuk hari ini saja kan? Kamu punya masa depan yang masih jauh banget loh. Kamu seharusnya punya banyak cita-cita dan keinginan, yang pastinya harus diwujudkan.

Ya karena buat apa lagi kita hidup, ya kan? Kalau enggak untuk mewujudkan impian? Tsah.

So, whether ingin menikah dan membangun keluarga, ingin memberangkatkan orang tua (dan diri sendiri) berhaji suatu kali nanti, atau mau keliling dunia, atau sekadar menghabiskan masa pensiun dengan tenang dan sejahtera, semua itu tak akan bisa dicapai kalau kamu sekarang masih saja living paycheck to paycheck.

Segeralah pahami, bahwa hidup itu butuh rencana. Dan, kamu sebaiknya tak menyia-nyiakan waktu begitu saja. Tentukan tujuan keuangan, punyai rencana, miliki tabungan, dan work on your dreams!

3. Mudah berutang

Baik itu berutang ke keluarga, teman, kasbon kantor, kartu kredit, bahkan sampai paylater atau pinjaman online, lama-lama kok rasanya kamu punya utang di semua tempat ya?

Gimana itu cara bayarnya satu per satu?

Emang harus dibayar ya? Lah.

Kadang memang saat berutang, kita merasa, ah, gampanglah. Masih ada gaji ini. Ntar dibayar bulan depan. Tapi, karena saking banyaknya tempat berutang, jadi malah bingung sendiri kan? Mau bayar yang mana dulu?
Satu hal yang harus disadari segera adalah bahwa setiap utang harus dibayar. Setiap pinjaman harus dikembalikan.

Ayo perbaiki pengelolaan keuangan kamu agar utang bisa segera dibayar. Pastikan rasio utang berada di bawah 30%, nggak boleh lebih.

4. Mengabaikan pentingnya money tracking

Padahal, kita tidak akan pernah bisa mengatur sesuatu yang tidak terukur. Betul nggak? Begitu juga dalam pengelolaan keuangan.

Kalau kita enggak tahu, uang habis dipakai buat apa, bagaimana bisa kita melihat pola pengeluaran kita? Bagaimana bisa kita mencari tahu hal-hal apa saja yang bikin boncos atau bocor alus. Bagaimana kita bisa memperbaiki yang kurang oke, agar ke depannya lebih baik?

Pengelolaan keuangan selalu berawal dari penyusunan anggaran dengan melihat histori pembelanjaan uang kita sebelumnya. Kalau jejaknya saja tak terlihat, bagaimana kita bisa membuat rencana langkah ke depan?

5. Takut berinvestasi

Sebagai seorang lajang, mungkin kamu sekarang memang belum merasakan urgensi untuk segera berinvestasi. Pensiun masih lama, rumah masih bareng orang tua, belum niat menikah dan punya anak.
Betul?

Ya enggak masalah sih. Tapi kesemua hal besar dalam perjalanan hidupmu itu pasti akan tiba juga nanti pada waktunya. So, ada baiknya kamu bersiap sedari sekarang.

Investasi adalah salah satu cara yang bisa kita tempuh untuk mewujudkan tujuan dan cita-cita. Namun, masih banyak yang takut-takut memulainya. Terutama sih biasanya karena takut rugi.

Well, iya sih, itu salah satu risiko yang memang dibawa oleh setiap investasi. Tetapi kamu selalu bisa memilih instrumen yang paling minim risiko. Seperti deposito, obligasi pemerintah (ORI, Sukuk, dan sebagai), Reksa Dana Pasar Uang, dan sejenisnya.

Kamu nggak perlu takut untuk mulai–apalagi takut dengan risikonya. Mulailah dari yang kecil dan yang paling relatif minim risiko, dan selalu berpegang pada #TujuanLoApa.

Gimana? Apakah kamu masih saja melakukan kesalahan pengelolaan keuangan di atas? Salah satu, beberapa, atau malah semuanya?

Nggak apa. Masih belum terlambat untuk diatur lagi.

Yuk, gabung di kelas-kelas finansial online QM Financial, pilih sesuai kebutuhanmu. Mulai dari basic sampai advance, semuanya akan memberimu insight mengenai prinsip pengelolaan keuangan yang baik.

Stay tuned di akun Instagram QM Financial untuk berbagai update dan info seputar keuangan, agar kita lebih bijak dalam mengambil keputusan penting untuk hidup kita ke depan.