Tom Serrano

Thomas "Tom" Serrano, is a proud Cuban-American dad from Miami, Florida. He's renowned for his expertise in technology and its intersection with business. Having graduated with a Bachelor's degree in Computer Science from the East Florida, Tom has an ingrained understanding of the digital landscape and business.Initially starting his career as a software engineer, Tom soon discovered his affinity for the nexus between technology and business. This led him to transition into a Product Manager role at a major Silicon Valley tech firm, where he led projects focused on leveraging technology to optimize business operations.After more than a decade in the tech industry, Tom pivoted towards writing to share his knowledge on a broader scale, specifically writing about technology's impact on business and finance. Being a first-generation immigrant, Tom is familiar with the unique financial challenges encountered by immigrant families, which, in conjunction with his technical expertise, allows him to produce content that is both technically rigorous and culturally attuned.

AI and the Gig Economy: A Recipe for Disaster?

Courier delivering fresh lunches to a young business woman on a bicycle with thermal backpack.

AI’s integration into the gig economy is a complex issue, presenting both opportunities and challenges. While it’s clear that this powerful combination can increase efficiency and provide flexibility, it’s equally evident that it can lead to income instability and potential exploitation. Balancing these competing interests is a difficult task, one that will likely require a combination of technological innovation, regulatory insight, and social dialogue. As AI continues to reshape our economy, we must ensure that it serves not only corporate interests but also the needs of the workforce that makes it possible.

Artificial Intelligence and the Future of Work

a brain on an ai chip

While AI will undoubtedly reshape the labor market, it’s not all doom and gloom. As history has repeatedly shown, technology often eliminates jobs but also creates new ones. By staying flexible, continually learning, and embracing change, you can ride the wave of AI and find new opportunities for your career in the future of work.

Sage: A Seasoned Solution for Today’s Entrepreneurs

screenshot of Sage Us

Sage, the clear market leader in integrated accounting, payroll, and payment systems, has come a long way since its humble beginnings as a British startup in 1981. With an illustrious history that reflects the spirit of entrepreneurship, Sage’s evolution from helping a small print business to being listed on the London Stock Exchange with a … Read more

How Much House Can You Really Afford?

Buying a house is one of the most significant financial decisions you’ll ever make. While it’s natural to dream about a perfect home, it’s essential to have a realistic understanding of how much house you can truly afford. Overspending on a house can lead to financial stress and potential foreclosure down the line. But how … Read more

Opportunities in Post-Pandemic Commercial Real Estate

Businessman on empty office floor looking out of window

In early 2020, the world witnessed a seismic shift in the way we work. The COVID-19 pandemic triggered a mass migration from offices to homes, forcing businesses to quickly adapt to a remote work model. As the pandemic winds down, and vaccines are rolled out on a global scale, we stand at a crossroads. Do … Read more

Decentralized Finance (DeFi) and Mortgages: A Revolution on the Horizon?

When we talk about revolutions in the financial sector, few developments are as impactful as Decentralized Finance, or DeFi. Built on the robust foundation of blockchain technology, DeFi has begun to reshape numerous aspects of finance, from the way we bank to the way we trade. One area of finance that’s ripe for disruption is … Read more

Navigating the Metaverse: The Future of Real Estate Investment?

Investing in digital universe, real estate.

In the blink of an eye, virtual reality (VR) technologies have leaped from the realms of science fiction into our everyday lives, transforming the way we work, play, and socialize. One of the most fascinating developments in this digital revolution is the concept of the ‘metaverse’: a virtual universe that parallels our physical world. As … Read more

Understanding Real Estate Cycles: When to Buy and Sell Property

In the world of real estate investment, timing is everything. Understanding the cyclical nature of real estate markets can mean the difference between a profitable investment and a costly mistake. This post aims to demystify the concept of real estate cycles, providing insights into when might be the best time to buy or sell property. … Read more

Refinancing 101: When and Why You Should Refinance Your Mortgage

It’s no secret that owning a home can be one of the most significant investments of your life. As with any investment, it’s always wise to revisit your mortgage terms periodically to ensure you’re getting the best deal possible. This is where refinancing your mortgage comes in. What is Refinancing? Refinancing your mortgage involves replacing … Read more

Mortgages: A Guide for First-Time Homebuyers

close-up photo of judge Wooden hammer and small wooden house on the table

Entering the world of home ownership is a significant milestone, often seen as the quintessential mark of adulthood and financial stability. However, the journey can be complex and daunting, especially for first-time homebuyers navigating the labyrinthine process of obtaining a mortgage. This article aims to demystify the process, providing a comprehensive guide to help you … Read more

The Role of a Mortgage Broker: Do You Need One?

Real estate brokers offer home designs for clients to trade with a mortgage loan contract at the office.

When you’re in the market for a new home, one of the most critical aspects of the process is securing financing. This process can be daunting, especially for first-time buyers. This is where a mortgage broker can come in. But what exactly does a mortgage broker do? And do you really need one? In this … Read more

Robo-Advisors vs. Human Advisors: Which Is Right for You?

In today’s digital age, investing has never been more accessible. The rise of robo-advisors, automated platforms that provide financial planning services with minimal human intervention, has democratized access to financial advice. But as with any technological advancement, robo-advisors come with both advantages and disadvantages, and they aren’t necessarily for everyone. In this post, we’ll compare … Read more

Mastering the Art of Real Estate Negotiation

Successful realtor with keys and contract sells property.

Juan, a Cuban immigrant entrepreneur in Miami, is no stranger to the world of business. He has built and managed a successful tech startup from scratch, and he knows the importance of negotiation in business deals. Now, as he steps into real estate investing, he’s realizing that the ability to negotiate in this realm can … Read more

Advanced Property Analysis: Real Estate Investing

Three young business people discussing something while looking at the computer monitor together

Investing in real estate can be highly rewarding, but it’s not just about location, location, location. To be successful in this competitive field, investors need to conduct a detailed and comprehensive analysis of any property they are considering. This is where the concept of advanced property analysis comes in. Understanding Property Analysis Property analysis is … Read more

Artificial Intelligence in Finance: The Future is Here

Businessman working on digital tablet using ai

In the realm of finance, a new era has dawned, marked by the significant influence of Artificial Intelligence (AI). Unless you’ve been living under a rock, you’ve heard everything from prophecies of doom to promises of utopia about AI. This innovative technology, characterized by machine learning and predictive analytics, is transforming the financial sector in … Read more

Sage – Optimizing Financials Worldwide

screenshot of sage us inacct software

As businesses scale, the need for integrated systems that streamline operations becomes paramount. Sage, a market leader in accounting, payroll, and payment systems, excels in this area, providing tools that support businesses in various stages of growth. Founded in 1981 by David Goldman, Sage’s humble beginnings as a small British startup mirror the stories of … Read more