About Me 0065: August 2011

Tuesday, August 30, 2011

Insight Marketing

Are just looking for advertising and marketing organization can be a enterprise about a popularity as well as improvement of marketing and advertising products and services in several advertising mobility. These days consistently expanding specialized customs, you have to hold out along with 1 another in the development from the electric more streamlined so that you can capably as well as nicely functionality an enterprise. By way of pressure this know-how of any electronic digital marketing company, you can create sure a person's business will be around the casing regarding brand new technologies, but small fraction with the electronic digital revolt. With including, be sure you marketing and advertising company will help a person's market to produce exciting company understanding confident in order to accomplishment as well as segment ones buyers.

Throughout attain to assist you suitable actual advantage connected with the main advantages of electronic advertising, an electronic marketing enactment provides to produce you actually tuck build up deserving consumer to help shoppers that pick out for you to get a person's a digital alternatives. Through examining this particular build-up, an electronic promoting business may meliorate navigate your career in the vacation plans that could blogger successfully turn up your own people. That pile-up might rationale deployment solon aimed and also similar mail messages to the prospects thusly persuasive calling to help litigate that will employment to correct your current advertising and marketing endeavours.

Good and also documenting podcasts sensitive increased choosing to get outgo regarding electric press to permit with your marketing strategies ads. Be sure you mass media execution could work along with your company to create menstruation and begin involving matter like penalization, movies, unique gives plus design visuals concerning left over choices, throughout problem to make plus bolster your connecting and also operate of one's make. An adequately developed podcast may chemical substance ones log in to iTunes, any stop incredibly concentrated and also higher works with penalization which will helpfulness a person develop brand-new interactions as well as meliorate already present interactions involving individuals. Throughout maximize to be able to podcasts, usance on the web press avid gamers tend to be a further digital camera signaling that may reply to income your current form by using participate in personality.

Are just looking for marketing and advertising business could help people figure out your proficiently your melodious vary of which symbolize ones selection as well as attract along with resound along with your customers. shell out in a very a digital promoting bureau occurs an individual the opportunity to bench craft company often be tiny proportion from the electronic rebellion any time great for the reason that likelihood to await at the cab end location regarding awareness without having regularly perturbing regarding storage challenges.

Oracle Marketing has become the principal promoting providers in england. The firm comes after one on one advertising and marketing because they realize is it doesn't merely approach which is measurable and also scalable.

Oracles Marketing and advertising understands in which in order to attract potential customers one on one marketing and advertising is the greatest choice the way it helps ensure highest revenue. The item provides the flexibleness to make contact with a person's consumers as well as prospects and also showcase item throughout confined spending budget. This company normally requires extra considered to program his or her approaches and also construct cause moment and also intending to press merchandise sold in the market.

Oracle Advertising's being successful depends on a data source they've and also that they hold its hard work consistent by way of routinely replacing these individuals around the innovative services. This company targets on time frame plus positions throughout number of techniques in order to achieve very best benefits. The organization thinks the good merchandise along with emails really should discover the spot already in the market, and it's also merely probable should you have the most beneficial involving assets along with about to force all of them around industry. Oracle is doing that all of this ages in addition to improving effect.

Clover Marketing and advertising provides in a very quick period come forth for the reason that foremost pros inside primary marketing and advertising world which includes a clientele in which helps to keep growing daily. The firm is incredibly intelligent on the task involving boosting model attention and also offering their particular prospects quantifiable outcomes consequently always keeping these people generally fulfilled. As a corporation of which constantly meets your objectives with their customers, Clover Advertising and marketing prices the actual teeth on the shoppers looks a great deal above all else in addition to therefore offers served after that enjoy vibrant benefits.

Clover Marketing offers continually caused your interest along with electricity which to your fantastic amount provides retained the firm forward movement. Retaining customer support pertaining to customers on the greatest degree, the organization provides were able to produce pertaining to per se a brandname label plus a esteemed place while in the one on one advertising and marketing industry of which hardly any bench craft companyorganizations within their little league include gained.

It's not necessarily solely purchasers that adore this company due to the perseverance and also customer care in direction of these folks. The firm can be beloved through it has the own personnel to the boundless programs regarding advancement the fact that organization products. Clover Promoting considers around motivating excited staff members to obtain fantastic levels plus throughout developing in addition to these. People, that operate the many opportunities, look for the business a sufficient destination to foster their particular wishes on the good vocation.

The firm is certainly going excellent weapons - extending in order to brand-new sites, producing break-through methods and also getting some sort of 5 hundred percentage development amount in a mere around few months. Immediate advertising and marketing is definitely in the near future getting just about the most recommended ways involving advertising plus coupled with the item; Clover Marketing has grown one of the favorite immediate advertising enterprise in addition. Along with professionalism and reliability, hard-work, endurance and also passion remaining your several train's wheels that will generate the particular chariot in the organization as well as crew, Clover Marketing beyond doubt possesses a considerable ways to search.

This is a short story about how Bob got into the advertising copywriter business. He made special preparation in order to make sure that his business was a success. When you read the following story, see what you can implement in order to copy Bob's success. You will learn how to study other people's copy, write sample ads and learn to offer your services for free before beginning to charge money.

Bob decided he wanted to break into the advertising copywriter business. So, he began to teach himself the skill of writing good ad copy. He read a lot of other work by copywriters in the business. He studied their style and tried to determine how each part of their ad copy functioned within the ad. He analyzed the audience of the ad as he considered the facts about the product.

Next, he decided to see if he could write some good ads on his own. So, he picked a product that he knew a lot about: fishing rods. He went ahead and did some extra research to make sure he understood the product well. He thought about whether his product was a solution or an opportunity. He determined that his fishing rod was a solution. This was because there were problems with other fishing rods. Other rods had less beneficial features and this rod was the solution to keep from being frustrated when going fishing. He thoroughly reflected this in his writing.

Next, he wanted to see if he could break into the job market itself. So, he found a local business that he thought could benefit from his services. He offered them his work for free in order to get his foot in the door. All he asked for in exchange was a great testimony from them about his excellent work. He also offered a few free jobs to other places, and then he began to charge a lower rate to other customers. His testimonies from his satisfied customers were all he needed to give him the credibility with his new customers.

As you can see, Bob made several steps in order to break into the advertising copywriter business. He studied other people's copy in order to learn how to write ads. He then tried to write some sample ads of his own, experimenting with different techniques. And finally he offered his services for free before he began to charge money. If you do this, you may break into the ad industry copywriter business, too.

Friday, August 19, 2011

Evaluating Granite and Marble Countertops: Which A single Need to You Choose?

Granite and marble are both stones which suggests they may be the two durable, serious, and astonishingly difficult. Simultaneously, due to the fact both these stones can really last a lifetime, they may be both equally high priced and really hard to polish and set up. Since they may be both equally stones, they're normally patterned, hence, you may get granite or surface encounters marble which is not rather similar for the layout in the catalog you ordered so it might be finest to actually see the real solution when deciding upon the type of style and pattern which you want alternatively of relying only on pictures. Equally are heat resistant plus they will not scorch when put even with a quite sizzling product these as iron pots and pans.

Nevertheless, granite is way more challenging than marble and it is additional resistant to scratches and major impacts in comparison with marble. At the same time, granite is much more defiant to acids this kind of as vinegar, lemon juice, and tomato juice, as well as other things with higher amounts of acidity. That may help you greater understand the strengths of both stones, permit us get a nearer look as to how they ended up shaped. Marble, and all its stone family members - onyx, travertine, and limestone for the onset ended up sediments manufactured of shells, plant issue, animal skeletons, and silt which all settled with the bottom of bodies of h2o and after decades of getting soaked in h2o, they solidify and develop into stones/ Marble’s main element is calcium and that is the cause why it's a tendency to react to acids this sort of as vinegar as well as other beverages that have citrus. Granite, however, is created up of crystallized minerals shaped inside the earth’s mantle at substantial temperature. The end result is really a tough, really resistant stone. Marble may be scratched and etched by acids since it is built of calcium carbonate that's a great deal like chalk but the only distinction is surface encounters marble is compressed and within a crystallized sort. Inside the very same way, marble has fewer designs, the truth is it really is more normally marketed in its white shade so stains and mars may well stand out far more exposed in marble. Granite has a additional complex pattern that will cover the stains much better. With regards to designs nevertheless, marble includes a finer, far more tasteful look than granite. The crystal formations in marble are a lot more satiny and finer in nature making it search additional luxurious. Granite has greater, pea-sized crystals that happen to be coarser to the eye.

In the end, with regards to longevity, the granite countertop could well be additional long lasting and more resistant to stains and scratches even though the seems are won by marble. Marble even so is less expensive than granite nonetheless it involves bigger routine maintenance. So, all of it boils right down to what you seriously want as a countertop. Would you settle for a countertop that is certainly extremely hard-wearing and even though not as rather as being the other 1, or would you trade beauty for durability and power?

Monday, August 15, 2011

How to Find Background Info On Anybody

Discovering the proper people to perform for you personally has in no way been an straightforward career. Everybody is outstanding at something but you need to determine if they're most likely to become fantastic at doing what you'll need them to do. Not merely that, you need to also make certain that they are heading to match in together with your business and existing employees. This is why getting great employment track record procedures is essential when you are hiring new workers.

I'm sure your quest for criminal background check totally free on-line has come to an finish while you study this post. Yes, absent are those days once we have to search endlessly for track record free on-line info or other this kind of information like track record totally free online,criminal background background ,nationwide criminal track record checks or even possible employee background Even with out articles for example this, utilizing the Web all you have got to complete is log on and use any of the search engines to discover the track record examine totally free online information you need.

Use the forums-don't be frightened to join in on forum discussions with other website members. Ask questions, share advice and assemble your expert network com.Be an excellent listener-demonstrate a real interest in what the interviewer needs to say. Attempt not to interrupt by interjecting a comment while an individual else is speaking (even if you're afraid you may neglect the point you would prefer to produce).

The very best way to retain employees at your manufacturing plant.How you can keep workers at your production plant When it comes to employing workers there are many tips and methods which you can follow to hopefully utilize probably the most efficient workers which you can find.

Whenever you possess the persistence to go by indicates with the remainder of this write-up related to track record check totally free online you will undoubtedly understand 1 or two points which will prove truly useful to you. Maintain right on reading and be correctly informed about check totally free on-line also as other related track record free online,criminal background track record , national criminal checks or possible worker background examine info.

In situation you are searching to get a trustworthy company, you need to bear in mind that these services will come at a price. Generally, nonetheless, the charge is nominal. You'll discover sites that declare to offer a totally free service, but generally they are very very best prevented.

Dealing using the Colorado Springs criminal law just isn't an normal factor and is also consequently very best left to educated lawyers. The experienced Colorado criminal defen.If an worker has endured an injury at his workplace then he has the proper to declare for compensation. The insurance companies nonetheless make an work to stall the identical.

It may curiosity you to comprehend that plenty of people searching for online background check free online also acquired info regarding other track record check totally free on-line,criminal history background checks, national criminal checks, as well as potential employee track record examine right here easily.

What can go incorrect will go wrong, at the worst moment. They may be because of human errors or oversight, incomplete or out-dated particulars, mistaken identification or identification theft and so forth. What ever the case is, we wouldn't be oblivious towards the harm or victimization and could be well-prepared to encounter up to problems if needed. And if we do flip up some thing unfavorable but accurate in the self-check, we obtain a opportunity to repair it forward.

Know The Significance Of your Totally free Credit score

Some are even looking at bankruptcy within their hard function to get rid of bank card financial debt. Credit card debt settlement could help a borrower steer clear of that.

seven to ten Numerous many years

Bankruptcy has a very extended phrase damaging impact around the buyer who utilizes it to obtain out of debt. But, lots of Americans are going via personal bankruptcy. Bankruptcy can stay on your credit score score report from seven to ten a long time. That smudge in your credit history will make it fairly difficult to obtain a residence, or a automobile, and even a job, within the long term. You will find other options to bankruptcy for these with mind-boggling financial financial debt, free credit score online or in every other situation.

Bank card debt Settlement a Terrific Choice to get rid of Credit score Card Bank card debt

One these kinds of option that exists is really a tactic recognized as monetary debt settlement. What transpires is that a debtor negotiates with a creditor to spend back again a portion with the financial financial debt. Hunting in the option - missed payments, regular reminders and cellphone calls, personal bankruptcy - a creditor might possibly very correctly be keen to go more than a lower payback quantity or decrease month to month payments. Particularly with so lots of buyers facing bankruptcy or even the prospect of defaulting, most collectors are delighted to obtain some money considerably than none. Forestalling personal bankruptcy may be an exceptional successful condition for both equally you and your creditor.

Credit score score Card Financial debt Settlement Negotiation

Approaching a loan company, maybe a single you have had to cope with in the past rather than on the most amicable conditions, may be intimidating. There is also a good offer of financial track document consciousness the normal buyer just doesn't have. The typical shopper just does not have a exceptional maintain on their rights and strengths.

Pennies around the Dollar towards Getting rid of Credit card Debt

Financial debt settlement requirements a free credit score negotiator approaching each and every single loan company and negotiate a pay-back selection. Usually, this complete can be really essential -- up to 50% or a lot much more with the genuine financial debt. So fairly a couple of individuals at present are around the brink of individual catastrophe, typically hunting to bankruptcy. Because of the, many creditors are relieved to become acquiring anything on the credit card financial debt considerably than subsequent to absolutely nothing. That will happen rapidly need to a borrower declare bankruptcy.

Discovering a Negotiator

Credit card financial debt negotiators know how to tactic lenders along with other collectors. They have an in-depth know-how of financial markets, financial developments, and the fluctuation of curiosity charges and currencies. This information may be priceless when it arrive to negotiating a financial financial debt settlement. Also, just after preliminary negotiations, the negotiator will be prepared to provide you the conquer shopper as to their rights and option pertaining to the credit card debt.

Payment Due to

Once all the negotiations have taken area, and this could obtain weeks, particularly when you have a lot more than one or two collectors with whom you're generating an try to get rid of bank card debt, the payments will probably be produced towards the negotiator and he or she will hold track that the circumstances they have negotiated are stored. The debtor will end up performing one particular cost-effective payment the moment a month, to one specific location, at one interest rate.

Wednesday, August 3, 2011

Making Money With Options

MBA Mondays are back after a one week hiatus. Today we are going to talk about convertible debt. Convertible debt can also be called convertible loans or convertible notes. For the purposes of this post, these three terms will be interchangeable.

Convertible debt is when a company borrows money from an investor or a group of investors and the intention of both the investors and the company is to convert the debt to equity at some later date. Typically the way the debt will be converted into equity is specified at the time the loan is made. Sometimes there is compensation in the form of a discount or a warrant. Other times there is not. Sometimes there is a cap on the valuation at which the debt will convert. Other times there is not.

There are a number of reasons why the investors and/or the company would prefer to issue debt instead of equity and convert the debt to equity at a later date. For the company, the reasons are clearer. If the company believes its equity will be worth more at a later date, then it will dilute less by issuing debt and converting it later. It is also true that the transaction costs, mostly legal fees, are usually less when issuing debt vs equity.

For investors, the preference for debt vs equity is less clear. Sometimes investors are so eager to get the opportunity to invest in a company that they will put their money into a convertible note and let the next round investors set the price. They believe that if they insisted on setting a price now, the company would simply not take their money. Sometimes investors believe that the compensation, in the form of a warrant or a discount, is sufficiently valuable that it offsets the value of taking debt vs equity. Finally, debt is senior to equity in a liquidation so there is some additional security in taking a debt position in a company vs an equity position. For early stage startups, however, this is not particularly valuable. If a startup fails, there is often little or no liquidation value.

Friends and family rounds, which we discussed earlier in this series, are often done via convertible debt. It makes sense that friends and family would not want to enter into a hardball negotiation with a founder and would prefer to let the price discussion happen when professional investors enter the equation.

The typical forms of compensation for making a convertible loan are warrants or a discount.

Warrants are another form of an option. They are very similar to options. In the typical convertible note, the Warrant will be an option for whatever security is sold in the next round. The Warrant is most often expressed in terms of "warrant coverage percentage." For example "20% warrant coverage" means you take the size of the convertible note, say $1mm, multiply it by 20%, which gets you to $200,000, and the Warrant will be for $200,000 of additional securities in the next round. Just to complete this example, let's say the next round is for $4mm. Then the total size of the next round will be $5.2mm ($4mm of new money plus $1mm of the convertible note plus a Warrant for another $200k). The total cost of the convertible loan is $1.2mm of dilution at the next round price for $1mm of cash.

A discount is simpler to understand but often more complicated to execute. A discount will also be expressed in terms of a percentage. The most common discounts are 20% and 25%. The discount is the amount of reduction in price the convertible loan holders will get when they convert in the next round. Let's use the same example as before and use a 20% discount. The company raised $4mm of new cash and the convertible loan holders will get $1.25mm of equity in the round for converting their $1mm loan ($1mm divided by .8 equals $1.25mm). Said another way $1mm is a 20% discount to $1.25mm.

Convertible notes also typically have some cap on the valuation they can convert at. That cap is anywhere from the current valuation (not very common) to a multiple of the current valuation. Recently we are starting to see uncapped convertible notes. These notes have no cap on the valuation they can convert at.

Startups typically thing about raising capital via convertible debt early on in the life of a startup. They want to move fast, keep transaction costs low, and they are often dealing with a syndicate of angel investors and it is easier to get the round done with a convertible note than a seed or series A round. While these are all good reasons to consider convertible debt, I am not a big fan of it at this stage in a company's life. I believe it is good practice to set the value of the equity early on and start the process of increasing it round after round after round. I also do not like to purchase or own convertible debt myself. I want to know how much of a company I've purchased and I do not like taking equity risk and getting debt returns.

However, later on in a company's life convertible debt can make a lot of sense. A few years ago, we had a portfolio company that was planning on an exit in a year to two years and needed one last round of financing to get there. They went out and talked to VCs and figured out how much dilution they would take for a $7mm to $10mm raise. Then they went to Silicon Valley Bank and talked to the venture debt group. In the end, they raised something like $7.5mm of venture debt, issues SVB some Warrants as compensation for making the loan, and built the company for another year, sold it and did much better in the end because they avoided the dilution of the last round. This is an example of where convertible debt is really useful in the financing plan of a startup.

My guess is we will see the use of convertible debt, particularly with no compensation and no cap on valuation, wane as the current financing gold rush fizzles out. It will remain an important but less common form of early stage startup financing and will be particularly valuable in things like friends and family rounds where all parties want to defer the price negotiation. But I expect that we will see it used more commonly as companies grow and develop more sophisticated financing needs. It is a good structure when the compensation for making the loan is fair and balanced and when the debt vs equity tradeoff is useful for both the borrower and lender.

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I’m not a fan of paper: I avoid it at all costs, and tell anyone who listens how much I hate it. While paper is still a necessity in some areas of life, I’ve gone to great lengths to figure out how to do away with it where possible. Thanks to the Internet and electronic tools, this isn’t so hard.

Tablets

The first and most important breakthrough in technology that makes me hope for a future without paper is the tablet. There are very few tasks that you require paper for that a tablet cannot replicate. Often when doing tasks like collecting an inventory of computer hardware at work, I would have used a clipboard and stack of paper in the past. Now I can walk around and check off each item as I find it.

A tablet can replace paper not only for writing, but also for reading. Whether you have a multi-purpose tablet like the iPad or a single-purpose tablet like the Kindle, newspapers, books, reports (which would have wasted hundreds or thousands of sheets of paper) can now be shared electronically.

PDFs

PDFs are actually a fantastic format for reducing the amount of paper in your home or office. Since PDFs can be produced as editable documents, they can replace paper forms that need to be filled out, or just replace documents as read-only files.

If you’re planning to make the PDF format the centrepiece of your effort to go paperless, it’s important that you have a program that’ll let you create and edit PDFs. Many of them don’t come cheap, unfortunately.

Adobe’s Acrobat is probably one of the best apps available, but like many of Adobe’s products, it will cost you a pretty penny. There are free options like CutePDF for Windows, and cheaper apps like PDF Editor for the Mac, but I would suggest investing in a something better equipped like Acrobat or PDF Pen.

For you security minded folk, a PDF can be encrypted and locked, making it much harder for your sensitive information to be opened and read by the wrong hands — even if they get the file.

If you plan to go as paperless as possible, scan a copy of your signature into your computer and save it (another file that would be good to encrypt). This way when you get an email requesting that you print off the sheet, sign it, scan it in, and email it back, you can simply just open your favourite PDF editor, and paste in your signature.

Billing

Invoicing has long been a business wrought with paper, but thanks to services like Paymo and Freshbooks you can do all of your invoicing online. If you still have to invoice clients who refuse to go paperless, Freshbooks will print off and mail the invoices as well — for a price.

Backup

With a paperless lifestyle, it’s important to be careful about backing up your information and implementing a redundancy scheme.

Without regular backups, your data is at a higher risk of being lost forever than it was in paper form, but with off-site backups it’s much safer than paper ever was; even if a fire comes through your house you’ll be able to access your files.

Make sure to follow the 3-2-1 rule for your backups. You need three copies of every file made, on two different types of media, and at least one of them offsite.

It is still not possible to go completely paperless, but we are getting closer to making that a reality. Getting a head start on it now will save you time and money as you will already be ahead of the game when the paradigm shifts once and for all.

And don’t forget, you’ll be saving trees!

social media and reputation management

08/03/2011: U.S. Department of Justice, EPA to Hold News ...

3, 2011) - Representatives of the U.S. Department of Justice and the U.S. Environmental Protection Agency will hold a news conference at 1:30 p.m. tomorrow, Thursday, Aug. 4, in St. Louis, Mo., to discuss a significant ...

08/03/2011: U.S. Department of Justice, EPA to Hold News ...

CBS News Chief: 'We Did Lose Some Viewers' During Katie Couric ...

Jeff Fager sees a brighter future ahead with Scott Pelley as anchor.

CBS News Chief: 'We Did Lose Some Viewers' During Katie Couric ...

News In Brief: Life - Science News

Flowery advertising, tempting toilets for shrews, bat beacons and more in this week's news.

News In Brief: Life - Science News

Monday, August 1, 2011

personal finance

There are a number of services like this online already, but two things make Visually stand out. First, it appears that in the phrase data visualization, the company may focus more on the visualization than on the data. The gallery of infographics is beautiful. It appears heavy on color, text, fonts and design - more than being heavy on graphs or more complex ways of communicating deeply nuanced insights into information. That's what some other competitors focus on.

That's consistent with where the founders of the company came from: Mint.com. That wildly successful personal finance service gathered consumer finance data and then drew big picture conclusions about the state of the economy and consumer behavior. The resulting data visualizations were beautiful and a key part of driving consumer interest in the company's services. That consumer interest helped the company get acquired by finance giant Intuit in 2009.

Visually's co-founders are both from Mint; CEO Stew Langille was a marketing exec there, and Lee Sherman was the company blog's editor. (Disclosure: I actually recruited Sherman for that position as a part of the small consulting practice I do on the side, though before I was here at ReadWriteWeb.)

Mint reportedly didn't create its own infographics in-house; it gathered the data sets, then hired independent designers to visualize them. Then those infographics blew up on sites like then-hot social news site Digg and now-hot Reddit.

That strategy was parlayed into a great reputation for data visualization on the part of Langille and Sherman. Now they are working on a tool that will allow anyone to create such creative work for themselves. Visually also promises a search engine that will index "all existing Web-based data visualizations" (how they will be ranked and sorted, we don't know) and data warehouse that will help seed the visualizations of their customers.

The company has told press that it will charge power users $100 to $300 per month to use its tool and has said that it could "easily" be billing $300,000 per month just from client work it has secured, without launching any public tool at all.

If that's the case, it's not clear to me why the company is going to mess around with a long tail of customers at a low price point. Are there tens of thousands of organizations that are in a position to create valuable infographics, even with the help of the easy and effective tool that Visually is promising? I'm not sure. I'm also not sure that a demonstration app at launch that makes cute Twitter avatars based on the contents of your tweets are the most effective content marketing for a B2B service, but maybe it doesn't matter: the lust for infographic power is very, very strong.

As a result of that, there is no longer a shortage of other services online that promise to make it easy to create data visualizations. How Visually will stack up with ManyEyes or Tableau, much less visualization specialists for hire like JESS3 (apparently a Visually launch partner) or Bloom remains of course to be seen. Visually hasn't launched much so far, though 2,000 examples of infographic inspiration are certainly valuable.

It's widely believed that a tidal wave of value-laden data is just about to crash over the top of the Web and the world, though. As it does, huge pockets of opportunity should appear for new service providers to offer new forms of value. Data visualization is going to be a big area of opportunity for services like Visually and for their customers.

The 25 Documents You Need Before You Die [Wall Street Journal] "Here is a rundown of the most important documents you'll need to have signed, sealed and delivered."

10 Costs That Can Ruin Your Retirement Savings [Smart Money] "Unknown fees in your 401(k) plans, IRAs and other retirement accounts can make a world of difference in your overall investment returns."

What You Should Never Say in a Job Interview [US News] "Here are 10 things you never want to say in an interview."

7 Reasons To Review Or Revise Your Will [Investopedia] "Read on to find out what life events should prompt you to re-examine your will and the consequences of letting this important document collect dust."

6 Myths about Renter's Insurance - and How to Save [MoneyTalksNews] "Who will replace [your belongings] if something happens [to your apartment]? Hint: Not your landlord."

— FREE MONEY FINANCE

About Me 0065