Latest on personal finance & savings
Bill Gates: Good Feedback Is the Key to Improvement
The world's richest man says everyone needs feedback beyond one-word descriptors.Bill Gates, who recently reclaimed the title of the richest man in the world, took to the stage earlier this month for a TED talk on one of his pet causes: improving the quality of education. Specifically, the Microsoft creator ...
6 Start-Ups Tackling the Student Loan Crisis
A group of community-minded start-ups hope to ease the burden of college tuition with the concept of crowdfunding.Striking out on your own is hard, but it's even harder with college loan debt. It's no surprise, then, that a number of start-ups have popped up recently with the mission of tackling ...
Become a Better Leader by Studying Kim Kardashian's Marriage
Four simple, destructive behaviors that doom a marriage--and a business.Kim Kardashian and I have one thing in common. Neither of us would know the other if we tripped over them.Before a few days ago, I was aware that she's famous, that she's had reality shows and a sex tape, that ...
Q&A: How can I afford to stay home with my baby?
Whether you continue to work outside of the home or choose to be a stay at home parent, the reality is that having a baby will put a crimp in your finances (not to worry, parenting has many intangible rewards). Your precious little bundle comes with an entourage: toys, diapers, ...
Savvy Financial Latina: How to win the scholarship game
My parents always encouraged/expected me to do well in school, and I realized the only way I was going to be able to get a good-paying job was to study. The only obstacle standing in my way was money. At a very young age, I realized my parents could not ...
How to send expired coupons to the Military
Did you know that you can send your expired coupons to the Military? Military personnel and their families around the world shop at on-base stores called Commissaries, and can use coupons up to six month past their expiration date. This means that you don't have to throw out all of your expired ...
5 home renovation projects you'll regret when you sell
BOSTON (MainStreet) — A new bathroom or roof can make your home a lot more pleasant, but don't expect to recover its cost when you sell.That's because a recent analysis by Remodeling magazine and the National Association of Realtors found that none of 35 upgrades studied will boost your home's ...
3 Pillars of Valuation
EBITDA multiples for your industry don't tell you much about what your particular company might be worth. Here's how to get a better idea -- and a better deal.The other day, an entrepreneur friend called me in frustration. He’d been trying to figure out what his company might be worth, ...
Modern Mobile Etiquette: 6 Rules
Smartphones may be smart, but the way we use them is still a little dumb. It's time for a mobile code of ethics.As smartphones continue their unimpeded march into the pockets of millions of worker bees, new modes and patterns of user behavior--good and bad--are evolving constantly. (Take ringtone download ...
How to create a military care package on a budget
Memorial Day is right around the corner. While many of us see it as a kick off to the summer season full of barbeques and time on the water, Memorial Day has a greater purpose. It's a time to remember those who've died defending our country, and to remind us ...
Small Businesses Are Ditching Patents in Droves
Is the costly--and long--patent approval process worth it? Small businesses don't seem to think so.Just two months after several provisions of the America Invents Act (AIA) went into effect, the House Committee on Small Business met to evaluate how it's been doing. As fewer small businesses seek patents for services, ...
Seth Godin: 'You Are Not Your Resume, You Are Your Work'
What you do matters more than what's on a piece of paper, says the marketing guru.Marketing guru Seth Godin believes in originality. But more than that, he believes in hard work. "You are not your resume, you are your work," he wrote in his 2010 bestseller, Linchpin: Are You Indispensable?.The ...
Frugal Rules: Can I go on summer vacation if I’m still in debt?
I shared last month about how I became a pro at flexing my credit card muscle while in college. Some go to college to learn, others to start out life on their own for the first time; I went to college to party. Whatever I wanted, I flexed my plastic ...
Are Your Employees Happy?
Sure, perks are great--and my company offers plenty of them. But true happiness in the workplace starts with passion.This week marks the 12th anniversary of my entertainment marketing and interactive advertising agency, Situation Interactive. I founded the company, which has offices in New York City and Los Angeles, based on ...
Zact: The best no-contract wireless plan yet?
Is owning a smarthpone smart if the monthly bills put you in the poorhouse? Not so much. Thankfully, a growing number of upstart carriers are trying to make smartphone pricing cheaper and more manageable. Republic Wireless, for example, offers service for just $19 per month, and as I mentioned a ...
Venture Capital, Pitching, and Business Love
At an annual meeting of venture capitalists, a Morgan Stanley managing director gave five tips on how to pitch him. They're helpful for anyone making a big ask.Get over yourself. Be nice.That was just some of the advice venture capitalists got at the last session of the National Venture Capital ...
Find your ideal homeownership situation
NEW YORK (BankingMyWay) — A house is a home. No, it’s an investment. OK, then, it’s both.And that’s problem — a muddled view that can be used to rationalize an unsuitable property. If the home’s too expensive, we figure, well, it’s a good investment. And if the value isn’t rising ...
Before Raising Capital, Find Your Spark
Most successful businesses are built from a proprietary asset, not just an idea.Until that spark is in place, outside investment is a risky proposition.The essence of building a business is creating something from nothing. But in reality, every business starts from something and results in something more ... hopefully a ...
Disruption Lessons From Airbnb
Your future competitors will likely supply what you do--but from cheaper, off-the-radar sources.There are backyard business terms, and there are--how shall we put it?--more elevated notions.Any kid with a lemonade stand grasps "supply" and "demand."But notions like "disruption" and "business model innovation" tend to be the province of the business ...
Q&A: Should I refinance my mortgage?
Assuming your goal is to reduce your interest expense, you’ll know it’s time to refinance if the cost to refinance can be recouped by your reduced mortgage payment before you plan to sell. READ: Take these features into consideration when buying a homeHere are the steps:Gather the info on your ...
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