What Are the Top 3 Tablet Devices for Business?

There are various affordable business tablets on the market, boasting innovative features that aim to make familiar programmes such as Microsoft Word and Excel easier to use. For those seeking the best in new and familiar technology, Convertible tablets are the best in business gadgets.

3. Motorola Xoom

First up is a competitive tablet giving the next generation iPad 2 a run for its money. With a high screen resolution of 1280×800, this tablet provides more workable space which is useful when multitasking and can carry potential for 3D graphics and applications. Like the iPad, it has up to 10 hours battery life but unlike the iPad, it has Adobe flash capability, a must-have element as most businesses will require this feature. While it features very little apps, the future of Motorola Xoom ensures an expanded app market with higher compatibility models in the works.

2. Blackberry Playbook

Sporting a 7 inch screen, the device is more portable than most, boasting a brighter display than the iPad. The playbook has all the usual features and more with excellent Wi-Fi and Bluetooth connectivity, 16GB of storage and a multitude of functions with easy navigation. The playbook’s browser is also second to none with fast downloading rates and loading speeds averaging at less than 8 seconds, perfect for the businessman and woman on the go. The only real drawback is the Playbook’s lack of apps. But this is a minor snag in an innovative and reliable business tablet.

1. Toshiba Thrive

Recommended by many as the best business tablet around and trumping the iPad for efficiency, the Toshiba Thrive does just that with full-sized USB, HDMI and SD ports and it will work with most keyboards and USB accessories. Unlike most smart phones and notebooks, the Thrive’s battery life is user replaceable, saving users vast amounts in repair costs. What’s more, it is easily the most durable tablet out there with a rubberized grip-friendly back panel to protect against any accidental drops – A reassuring property that the most talked-about tablet (the iPad) cannot guarantee with its thin design and sleek aluminium back panel.

What to avoid

Tablets with touch-screen technology such as The Apple iPad are far from ideal for people who prefer to do business the traditional way. But for those who can get past the sleek appearance, the iPad’s lack of simple features make this an enormous business let-down. First is the iPad’s physical impracticality – At 600g in weight and almost 10 inches in length, the Apple iPad has been described as a laptop that’s too small and a mobile phone that’s too big, forcing people to invest in stands to support the iPad and keep it up right in the office home or for travel purposes.

In addition to being impractical to operate, the iPad is missing some of the most basic features of a traditional computer that could soon see it become obsolete. Firstly, you can only operate one application at a time – unthinkable for general work purposes. Secondly and most disappointing of all is the lack of a USB drive, an essential requirement in the world of business communications. Another disappointment is that the iPad does not have a CD/DVD drive, chiefly because Apple believes that services such as iTunes can provide users with everything they need. A handy feature for those who wish to purchase and download films and music, but for businesses still using CD’s to store data or as a means of promoting the company with a presentation DVD this is a major downside, making the iPad of little use to most businesses.

Judgment Business Insurance

I am not a lawyer, I am a judgment and debt referral expert (Judgment and Collections Broker). This article is my opinion, based on my experience in California, and laws vary in each state. If you ever need legal advice or a strategy to use, please contact a lawyer.

Anyone with a new judgment recovery or debt collections business thinks at least once about what kind of insurance they should buy. There are risks in any business, and the risk of being sued is one of the most important risks to consider. A judgment enforcement business can have at least five additional (although very rare) risks, in addition to the normal risks of any business or venture:

1) What if you become disabled, or die, or exit the judgment business and do not assign most or all judgments back to the original judgment creditors? You or your executors might get sued, and even worse, sued for the creditor’s share of an overly optimistic and purely theoretical value of the judgment.

2) Letting a judgment expire on your watch. Judgments must be renewed, if one does not renew a judgment, it is lost. Again, an original judgment creditor could try to sue you, for a way too optimistic and theoretical judgment value.

3) FDCPA and FCRA violations. Judgment Enforcers must be aware of all laws. Being discreet, having common sense, staying polite, and taking care not to accidentally or purposely notify third-parties about the debtor’s debt, covers you on most of the laws. If you violate a law, the debtor could hire an aggressive lawyer, and sue you for much more than the judgment’s face value.

4) Having the sheriff levy the wrong person’s bank account. Because courts do not usually put judgment debtor’s dates of birth and social security numbers on judgments, debtors with common names can be a problem. Also, identity-theft can make the wrong person show up as the debtor.

It can take a lot of time to verify things, when someone claims you had the sheriff levy the wrong person as the debtor. Most that claim they are not the debtor will be angry, and about half of those people will be lying because they are actually the judgment debtor.

If you do have the sheriff levy the wrong bank account, immediately refund to the mistaken judgment debtor the amount taken, their banking and bounced check costs, and something extra for their trouble – enough extra to make them happy. One suggestion is three times their costs, or $100, whichever is more.

5) Unreasonable or insane original judgment creditors. Some never will understand the costs and difficulties of judgment recovery. Some might try to sue you if you settle too low, do not challenge a debtor’s bankruptcy, lose a motion to vacate the judgment – even when it is not your fault, or your action or inaction was the correct thing to do. Even if the original judgment creditor has no valid reason to try to sue you, it could happen.

While one may be sued, for one of the possibilities listed above, it is usually rare that the party suing you would prevail. However, lawsuits are always expensive, time consuming, and a hassle.

Insurance almost never covers you when you intentionally avoid your responsibilities. If you die or become disabled, this becomes a preparation and behavior issue, not an insurance issue. Your executors should know they should assign your judgments back to the original creditors, unless you have a better way to have the judgments handled.

In a judgment business, you are more likely to be sued, long before you become disabled or die. Often, the only insurance you would want is to cover you if you got sued. The kind of insurance that usually comes to mind is Errors and Omissions (E&O) insurance.

E&O insurance is common in most businesses, however it is more difficult to get in a judgment recovery or collection business, partly because most insurance companies do not fully understand these kinds of businesses.

There may be a point that because most judgment enforcers are sole proprietors working from home, representing themselves, their homeowners insurance would cover them for “personal liability” resulting from their ownership of judgments. Home insurance policy sales people do not brag about this, and most are not even aware of this, however the details of the policy in many cases support this. (I am not an insurance or legal expert.)

If that last paragraph does not seem right, or if you use a business office, your homeowner’s insurance policy is off the table. Forget about using a bond, unless it is required by law, or by someone you are doing business with. Bonds do not protect you, they protect the general public against loss. You must pay the bond premiums, and then you have to pay the bond company every time a claim is filed.

You may might want to get E&O insurance, if only to satisfy the requirements of some data providers. If you search, you can find E&O insurance providers for a judgment or collection business. (One of the cheaper places I have found is at http://www.rlicorp.com ). Such insurance is sometimes expensive, and if you get sued, you have to immediately pay the deductible, which is expensive. The insurance company handles the lawsuit, not necessarily with the goal of protecting your name and business. Even if the lawsuits are frivolous, you still have to pay.

Another problem with having E&O issuance is that it could place a “bulls eye target” on you. Some may believe that if you have E&O insurance, you have deep pockets. Most of the valid reasons one can be sued can be drastically reduced if you learn the law, assign judgments back when appropriate, you are reasonable, and do not let judgments expire on your watch.

Unless you need E&O insurance for a data provider, or for someone you are doing business with, you might save money with your actions, attitude, and your willingness to hire a good lawyer if you get sued. Most of the time, if you are careful, and get sued once in a while for oversights and mistakes, or for frivolous reasons, what you pay a lawyer over the long term will be less than the long-term cost of having E&O insurance.

As mentioned before, E&O insurance can make one a target. If you are sued with a frivolous lawsuit, it might be a good idea to ask the other side’s lawyer who their E&O insurance carrier is?, knowing that E&O claims are expensive and must be paid immediately. Also, much of the FCRA and FDCPA law applies mostly to consumer debts such as credit cards and car loans.