While many of us strive to put aside some small portion of our earnings into a savings account or investment of some kind, a portion of financial planning that we tend to neglect is an insurance policy. Often, it might seem like a waste of money to pay out a premium year on year towards something that you do not immediately see the benefit of. However, obtaining several life insurance quotes and deciding on a suitable life insurance policy is essential for many reasons. While life insurance is not about assigning a monetary value to someone’s life but life insurance planning can provide some degree of financial support to one’s family in the event of one’s sudden demise. It is important to understand that more than being an investment that yields tangible returns on investments, life insurance must be understood as a risk management tool and must be treated as such. There are several plans that combine life insurance with mutual fund investments but these may be considered as a separate entity. While the higher end life insurance premiums are surely expensive, you would find that opting even for a basic life insurance plan would not make a significant dent in your income, but would return considerably high death benefits to your beneficiaries. An added benefit to most life insurance policies is that they provide some degree of tax deductibility up to exempted levels. Also, while there are any number of options available to get a life insurance quote online, including no exam quotes, it is always better to meet your insurance agent in person, and request his or her guidance in walking you through the nitty gritty of the policy you wish to take so that you are fully aware of what the specific policy covers and what your family or beneficiaries are entitled to receiving. You can always compare different life insurance policies and also check for life insurance no medical exam policies.

Mojito has a lot of lovers across the globe and is an instant hit with someone who had it as their first drink. Whether you go partying with your friends or invite someone over, a mojito is a good option to have your share of alcohol without going overboard with it. When you go through the menu card to decide the drinks you would order, you must have observed that mojito does not appear simply as a mojito. There are quite a few variants in mojitos which too are favored and savored by people all around. These variants are quite popular but have you ever given a thought about the origin of your favorite drink or how it was made back then? Maybe not. Many people aren't so inquisitive about such things, but those who are eager to trace the origin of their beloved drink, read on.

Mojito is originally a Cuban highball! It was believed to be first concocted in Havana, Cuba, but the exact origin of this drink is still unknown. You would probably come across anecdotes regarding the origins of the drink. One such popular belief is that mojito is a variation of the 16th century drink El Draque which was christened after Sir Francis Drake, who landed in Havana after one of his successful expeditions. Another story that you would come across is that it originated in Cuba itself and the name mojito is derived from the word 'mojo' which is a Cuban seasoning made from lime and is used in their native dishes. In case you delve deeper about the origins of mojito,  chances are high that you would come across several such stories.

Since your favorite drink has its roots firmly planted in Cuba, you would definitely care to treat yourself to the traditional Cuban mojito. Once you get your hands on the Cuban mojito recipe, you can definitely try it at one of your house parties.

The traditional Cuban mojito would require sprig mints, sugar, lime juice, a decent white rum and ice. Each of these ingredients serve a particular purpose. The sprig mints are the ones that are responsible for giving you the well-deserved refreshment, the sugar is to tickle your sweet tooth, the lime juice serves to give you a bitter-sweet taste and the white rum is what satisfies your need for alcohol and gives the entire drink a distinct taste.

So, try the traditional Cuban mojito recipe and just so you know, mojito was a favorite of one of the most famous authors of all time, Ernest Hemingway. So, flaunt your choice since you share it with one of the most adored personalities in the world.

Currently smartphones are essential for day to day activities. Not just for calling, but they can be used for drafting emails, social media and for designing presentations as well. But not everyone needs a fancy smartphone, sometimes one just needs is a phone that smartly gets things done. Here are the 10 best smartphones which are functional as well as fun, and can comfortably fit into your budget. iPhone 5S “ The iPhone 5s has the minimal classic design which comprises of a Dual core 1.3 GHz technology with a RAM of 1GB. It has an amazing rear camera of 8MP and 1.2MP front camera. You can get this phone in silver, gold or space gray shades. Honor 5X “ Honor 5X has an Android operating system with Qualcomm Snapdragon 615 and RAM of 2GB. It's micro SD storage capacity is of 16GB. The phone comes with an excellent rear camera of 16GB and front camera of 5MP. Samsung Galaxy A3 “ The Galaxy A3 has a flawless design comprising of an octa core processor with a RAM of up to 2GB. The phone also has a long-lasting battery life and an expandable memory feature. Lenovo P2 “ The Lenovo P2 has 64-bit Qualcomm Snapdragon 625 octo core 2.0 GHz processor which manages all the running apps smoothly. The phone supports two sim cards and also has a fingerprint security feature. The 13MP rear camera is a great deal in this budget phone. The fast charging enables you to have 10 hours of battery in 15 minutes. Sony Xperia XA “ The Xperia XA has a 64-bit octa core technology with a 2GB RAM. It comprises of an internal memory of 16GB, an expandable micro SD memory of up to 200 GB. The phone is available in the colors of white, graphite black, lime gold and rose gold. Microsoft Lumia 650 “ Lumia offers an operating system of Windows 10, 1GB RAM and an expandable memory of up to 200GB. The rear camera is of 8MP with flexible auto and manual modes. It also has amazing additional features related to sensors, security, battery and connectivity. Motorola Moto G4 “ The Moto G4 has a Qualcomm Snapdragon 617 octa processor with a 2GB RAM. It consists of a 16/32 GB internal memory and an expandable microSD memory of up to 128 GB. It has a main camera of 13MP and front camera of 5MP. It is available in black or white. Xiaomi Redmi Note 3 “ The Xiaomi Redmi Note 3 runs on the Qualcomm 650 processor, and has a 2/3GB RAM. Redmi has a capacity to support a 16/32GB flash memory. It has a 16MP rear camera with an ultrafast auto focus feature. ZTE Axon 7 “ The Axon 7 runs on the Qualcomm Snapdragon 820 processor and includes RAM of 4GB. It is loaded with a 20MP rear camera and has an extendable memory of up to 128GB. It includes various smart sensors as well as latest connectivity options. Nexus 5X “ The Google Nexus 5X is powered with the Qualcomm Snapdragon 808 processor and a RAM of 2GB. It has an internal memory of 16/32GB. The rear camera is of 12.3MP and the front camera is of 5MP. It is available in the colors if carbon, quartz and ice.

We live in a modern world where many people prefer having their office inside the house or adjacent to the house. These offices are usually smaller offices compared to usual company offices with dedicated areas for reception, large cafeterias, meeting rooms, conference halls and so on. The home office furniture that will be utilized in the tiny areas would be designed to make the work areas convenient and comfortable. Most of the people that would operate through home offices would be sole partners or some professionals such as advocates, architects, doctors and chartered accountants. That is the reason; they might hardly require much of staff to take care of their business operations. Even if they would have a couple of assistants, they can be easily accommodated in the small office space. There are many online stores that offer a wide range of home office furniture in different price ranges, materials, and designs. Most of the home offices would need a working desk where a laptop and a phone can be kept and some some storage area for racking some office stationary and some records. The seating arrangement should be comfortable and convenient so that the person working  should be able to spend long hours without being exhausted. Another important aspect would be the lighting arrangement so that the paper work and the work on the computer would be carried out easily without much stress to the natural vision. For all these basic requirements we can get plenty of varieties of work desks, study tables, computer tables that would have a flat drawer like arrangement for placing the keyboard and the mouse on it and comfortable rolling chairs, executive adjustable chairs with levers to adjust the height of the chair, and also the additional inclination for comfortable seating. For effective lighting arrangement, we can select options such as table lamps with adjustable focus and arms,  so that the light can be adjusted according to distance and intensity desired. You can also use focus lights, LED lamps with multi-reflector for energy efficient lighting to brighten the room. The furniture should contribute to creating a comfortable work environment so that the person would be happy to spend most of his time on the premise without any complaints. We can also include a five-chair sofa set with two independent chairs and one combo of three chairs along with a teapoy that can be used for reception of clients and informal discussions with the visitors. This would not only make the home office productive; as it would be easy to crack conversations and discuss some matters with the people with proper seating arrangements; but also provide a nice elegance to the small office premise. Remember that the key to a workplace that is comfortable and elegant is to set up minimal furniture and make the most of them.

The complications of managing customers and business relationships together were an obstruction in the path of a successful business venture in the older era. However, modern technology has given birth to Customer Relationship Management (CRM) software that has helped organizations deal with the issue effectively. These are beneficial for both large and small-scale business ventures in terms of driving their profits up based on the history of the customer’s purchases.

What is Customer Relationship Management (CRM) software?

It is an interactive platform that helps a company in tackling their relationship with present and prospective customers. Based on the principles of data analysis, this software analyzes the details about the relationship between the company and its client database and assists in the retention of customers, improving the sales at the same time.

Types of CRM software

There are five different types of CRM software. These are:

Strategic

This is based on the growth of a business environment that relies heavily on customer-centricity.

Operational

The main objective of CRM software is to combine marketing strategies, automation, and client support. These are equipped with a dashboard that provides a collaborative view of the aforementioned elements in a single window for each of the clients.

Analytical

As the name suggests, this CRM software assesses client information accumulated through different means. The conclusions drawn by the software are presented in the form of a report to the business managers to enable them to make better decisions. Techniques such as correlation, data mining and pattern recognition are used by the software to analyze the given data. It detects small issues in the business that can be resolved easily.

Collaborative

This CRM software integrates external agencies such as distributors, vendors, and suppliers to share data across all levels of the organization. The sharing of information in reduced time increases the system efficiency by allowing sales executives to contact their customer base for a shorter duration.

Customer data platform

It is a central entity in the form of a computer system that helps in aggregating and networking the collected data from various sources.

Advantages of CRM software

As a result of excellent programming, CRM software strengthens the relationship between the company and the customer. There are numerous perks of using them. The organization’s service improves leading to a steady growth in sales and satisfied customers. It also helps the organization to develop a better understanding of the issues faced by the customers. This, in turn, helps in resolving them in lesser time. The strong networking platform also results in a validated feedback system. There is a possibility that a happy customer might recommend a certain CRM software to its associates. Due to the exchange of data across different platforms within the organization, the software increases team interaction. The unique feature of cross-selling and up-selling increases the sales figures. Through up-selling, companies can offer similar products to their customers based on the category from which they made their purchase whereas cross-selling is the practice of analyzing customer data and offering them complementary products. These practices are done by collecting data via customer interaction about their requirements. On spotting a chance to sell their commodities, the sales executive encourages the buyers for the purchase.

Examples of CRM software

Whether it is a small-scale business or startup venture, some of the best CRM software are BoomTown Insightly, FreeAgent CRM, Salesforce, Claritysoft, Infusionsoft, Results CRM, Zoho CRM, Chime, Base, ProsperWorks CRM and Hubspot. Each software offers a wide array of features to grow your business. Some of the features that can be highlighted are customer tracking, better visibility across sales operations, multiple routes support, feedback management system, training sessions, email correspondence, google calendar integration. Installation of CRM software can be done on-site or through web technology in which the software provider will host it to be accessed by the company through a secure network.

A disease that is most common among babies and infants, the spinal muscular atrophy (SMA) is a genetic condition. The cure for this condition was found in 2016. The information, however, about the condition is limited and so is the information available for the doctors and physicians. Nusinersen is a medication that has shown to reduce the symptoms of SMA. The limitation of SMA information among physicians is a concern among parents of children with SMA. Following are a few treatment techniques that can provide the necessary SMA information for physicians: Breathing- When encountered with SMA, especially type 1 and 2, weakness in the muscles can make it difficult for the children to breath properly. There are a few breathing exercises that can be followed in the initial stages of the condition. If the condition has worsened, the physician must ideally suggest the use of a special mask or a mouthpiece that can facilitate breathing. If this does not help either, the next step is to take help of a ventilator to promote breathing. Swallowing and nutrition- As this condition has an impact on the muscle strength of the baby, they can have trouble sucking liquids or swallowing food. It is possible that the child will miss out on the nutrition that is necessary for its growth. In such a condition, it is important for the physician to be informed about SMA. It is ideal for physicians to suggest that the patient works with a nutritionist. In extreme cases, the physicians can also suggest the use of a food pipe. Movement issues- SMA requires the physicians to have information on physical as well as occupational therapy. These therapies are common and use exercises that can help in protecting the child's joints and muscles. If a physician has the right information on SMA, they will suggest leg braces, electric wheelchair, or a walker. A few other special tools can help the child operate computers and phones, as well as write and draw well. Back problem- One of the largest complications associated with SMA is the inability to perform actions that include stressing muscles in the back or the movement of the spinal cord. The physicians must have adequate information on SMA-induced back problems. In a case when the SMA starts in childhood, patients can develop a curve in their spinal cord. The ideal remedy is to wear a back brace while the child is still is growing. This brace provides adequate support to the back and helps in reducing the curve developing in the spine.