Virtual CTO optimizes tech strategy: Cost-efficient expertise, no full-time hire

Indeed, as a business owner, you wish only prosperity and growth. At the initial stages of your journey, it may be difficult for you to overcome all the challenges you will have to face to turn all your ideas into reality. Thus, you can seek help from a specialist who will guide you through thorns to the stars; this expert can be the person with all the necessary CTO skills. Below, we will talk about what tasks such an employee can perform and what benefits such a collaboration will bring to your business.

Key Responsibilities
When you decide to use virtual CTO services, you get a specialist to help you perform a wide range of essential tasks related to your startup. Let’s take a closer look at them below.

Technology guide
The specialist you hire as a CTO as a service helps you choose the right technologies that your project needs, cope with the technical problems that arise, look for solutions to improve the existing business infrastructure, and ultimately successfully launch your solution.

Development planning
You must determine what resources and how many of them you will need when creating a startup. It is also crucial to write out the project roadmap in detail, where you select the start and completion dates for each stage of creating your digital solution. This task can be easily handled by an expert within the CTO as service.

Hiring employees
Every startup owner wants only the best to work on their project. One of the responsibilities of a CTO service specialist is to identify, evaluate, and hire talent that will help your project quickly achieve the required results.

Infrastructure analysis
It is crucial for any startup to maintain and upgrade its IT infrastructure. To understand how effectively all solutions work and whether they meet your business goals, you can hire a virtual CTO who will help you simplify the analysis and maintenance of your infrastructure.

Advantages of Such Collaboration
Now that you understand what is CTO in business and what tasks this specialist performs, let’s talk about what benefits your project will receive from such a partnership.

Increasing economic efficiency
If you choose between hiring a person with CTO skills as a staff member or using an outsourcing model, the second option has clear advantages since searching for a full-time employee takes much longer and will cost you large sums.

Use of advanced technologies
As a startup owner, you must always keep up with the times and use only the most advanced technologies in your solution to allow your business to grow and constantly improve efficiency. An expert with all the necessary CTO qualifications will help you stay up to date with all the trends in your niche and increase the competitiveness of your product.

Security
One of the most essential tasks of every business owner is protecting data related to your project and personal data associated with your employees. If you hire a specialist with the necessary CTO requirements, he or she will help you ensure the implementation of reliable security measures and protect your startup’s confidential data.

Technology vendor management
Managing technology suppliers can be daunting for those just starting in business. A virtual CTO is responsible for collaborating with the right partners, which will allow you to effectively meet all your technology needs without wasting your budget on those your solution does not need.

Last Words
Virtual CTO can be beneficial for entrepreneurs who are just beginning their journey of becoming. Cooperation with such a specialist will allow you to quickly and correctly select the technology stack necessary to create your solution, ensure reliable data storage, and, if necessary, interview new employees. If you want to hire a virtual CTO for your team, feel free to contact us. We will recruit a specialist with expert skills in your business niche, and together, we will lead your startup to success.

Bankruptcy May be the Best Option

With the housing-market crash and resulting economic downturn, hundreds of thousands of Americans currently find themselves in significant amounts of debt. To meet the demand for help from struggling consumers, some private companies offer debt management counseling, debt consolidation and debt management plans, also called DMPs. However, such programs and services cannot offer the same benefits as good, old-fashioned bankruptcy. Be sure to look at these programs with careful scrutiny and examine all the facts.

Debt management and consolidation

DMPs are very popular and consist of budgets and plans as to how the debtors will pay their way out of debt within the next three to five years. A DMP is created after a debtor and a counselor complete a comprehensive review of the debtor’s financial situation, which includes analyzing the debtor’s assets, debts, income and expenses.

A counselor may also work with creditors to reduce or eliminate the debtor’s interest payments so payments go toward principal instead of interest. While analyzing your finances and establishing a budget is always a smart move, a DMP will have little to no positive impact on a credit score. In fact, if you miss a payment your credit may continue to suffer. And, interest continues to accrue without any sort of legal order (i.e., bankruptcy) in the mix.

Debt consolidation generally involves a loan that combines all of one’s debts into one lump sum with a lower interest rate. The lower rate results in a lower monthly interest rate, but what is not advertised up front is that the lower rate is in exchange for a longer loan term. The longer loan term means more of a chance of missing a payment and dinging your credit again. So while the monthly payment is reduced, the debtor ends up paying more overall to pay off the full loan amount. And, again, interest and fees can be accruing the entire time. Not to mention, a lot of the money you pay in at the beginning does nothing to resolve the debt but only pays the company for its services.

Nine times out of ten, six months into a debt consolidation or settlement program, debtors get extremely frustrated and turn to bankruptcy at that point. But, at that point, you have lost another six months. Make a smart, economical and time-effective choice the first time and you can get to rebuilding your credit and moving on much faster.

Bankruptcy

Bankruptcy is a much better approach to improving your credit score and it comes in two forms. A Chapter 7 bankruptcy prevents creditors and debt collectors from harassing the debtor and allows for a discharge of nearly all credit card and medical debt. A Chapter 13 bankruptcy also prevents creditor harassment, but sets up a three to five year debt repayment plan. The choice between the two depends on the debtor’s individual financial situation.

A Chapter 13 bankruptcy filing will usually stay on a consumer’s credit report for seven years, while a Chapter 7 bankruptcy filing generally remains there for up to 10 years. Though a bankruptcy will remain on the debtor’s credit report, bankruptcy gives control back to the debtor by wiping the slate clean (mostly) of debt and allowing him or her to rebuild credit. The debtor will not be constantly dragging old bills and accounts with him or her in the attempt to improve his or her credit score. Bankruptcy truly is a fresh start.

If you or a loved one is suffering under the pressure of debt, contact an experienced bankruptcy attorney to discuss your financial situation and the benefits of filing Chapter 7 or Chapter 13 bankruptcy. Despite the claims of debt management and consolidation companies, bankruptcy is likely your best option to start anew.

Article provided by Trepeck Bane PC
Visit us at www.chicagodebtsolutions.com

Make An International Call And Connect With Friends And Family Located Overseas

You can connect with your friends and family with international calls. If we go back in time the telephone was the only means of communication through which people could remain connected with each other. They could not imagine that there would be a technology like the internet. Today with the advent of internet and personal computers it has become easy for people to communicate across distance. Through video chats, you can see the participant on the other side. Chatting on social networks can help you to remain updated on lives of friends.

Making an international call

In older times if a relative was going abroad it would be very difficult to remain in touch. It would take several days to get information and ascertain that the traveller has reached safely. Now with call international you do not have to wait for too long. You can get information about the traveller as soon he reaches the destination. All you need to do is make an international call to find out about the whereabouts. In modern society, a phone can be afforded by most individuals. Before making a long distance international call, you must know the international call prefix and the code. With the code, you can dial outside the country.

Calling overseas

To make an international call you must pick up the phone and dial the code as soon as you hear a dial tone. The codes will vary from one country to the other. Calling internationally can cost you a lot. With international call back, you can get a low intentional calling rate. With international calling, you can contact your friends and family overseas. It is a convenient way in which you can stay in touch. The cost of an international call will vary according to the country you are calling to.

More about international calls

If you do not have the right information making an international call may not be that simple. Several international calling options exist today which rely on technologies like voice over internet protocol. If you want to make an international call from a landline you will have to dial the international prefix, the country code and finally the number. The cost of your call will depend on the international calling plan which you have chosen. You have the other choice of purchasing an international calling card. By using international call back service, you can reduce the cost of international calls.

internationalcall.net – Free calls international at Sign Up.Internationalcall.net global phone service is a high quality phone service with cheap rates to over 200 Countries.