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Small Business <b>News</b>: Ups and Downs | Small Business <b>News</b>, Tips <b>...</b>

With recovery shaky at best and fears of a double dip recession still looming, small businesses have seen many ups and downs. There are many ways to deal with.

&#39;King of Crystal&#39; Sinaloa Cartel Leader Ignacio Nacho Coronel <b>...</b>

(July 30) -- Mexican troops have killed Ignacio Nacho Coronel, a top drug kingpin known as the King of Crystal, in a shootout as he tried to escape from a wealthy suburban hideout. His death is a rare victory for President Felipe ...

Jennifer Lopez signs deal to become new &#39;American Idol&#39; judge <b>...</b>

Jennifer Lopez has inked a deal to join American Idol's judging panel for its upcoming 10th season, an industry source tells People. The news dropped j...

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Small Business <b>News</b>: Ups and Downs | Small Business <b>News</b>, Tips <b>...</b>

With recovery shaky at best and fears of a double dip recession still looming, small businesses have seen many ups and downs. There are many ways to deal with.

&#39;King of Crystal&#39; Sinaloa Cartel Leader Ignacio Nacho Coronel <b>...</b>

(July 30) -- Mexican troops have killed Ignacio Nacho Coronel, a top drug kingpin known as the King of Crystal, in a shootout as he tried to escape from a wealthy suburban hideout. His death is a rare victory for President Felipe ...

Jennifer Lopez signs deal to become new &#39;American Idol&#39; judge <b>...</b>

Jennifer Lopez has inked a deal to join American Idol's judging panel for its upcoming 10th season, an industry source tells People. The news dropped j...

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Foreclosure Mediation Programs Succeed Across The Country — Will Pawlenty Give Minnesota’s A Chance?

Today, across the country, mortgage mediation programs aimed at helping struggling homeowners stay in their homes are getting underway. Programs are launching in Maryland, as well as Florida’s 6th and 10th judicial circuits — encompassing Pasco, Pinellas, Hardee, Highlands, and Polk counties — while Cook County, Illinois is beginning a huge round of outreach for its burgeoning program.

In all, “the number of jurisdictions with foreclosure mediation programs is nearly double the number a year ago, with jurisdictions in 21 states now offering foreclosure mediation or negotiation programs.” Not on this list, however, is Minnesota, where Gov. Tim Pawlenty (R) saw fit to veto a program last year.

The Minnesota state senate recently passed the bill again, sending it to the state House, so Pawlenty could very well get a second shot soon. And there’s simply no reason for him to oppose the program, as mediation — during which a bank meets face-to-face with a borrower, often in the presence of a judge and housing advocates, to try and forge a mortgage modification or other arrangement that prevents a foreclosure — is one of the most successful methods of helping struggling borrowers stay in their homes.

Connecticut’s mediation program, for instance, has kept 60 percent of its borrowers out of foreclosure. Philadelphia’s success rate is also 60 percent, while Nevada claims an 85 percent success rate:

About 80 percent of homeowners at risk of losing their homes don’t engage in any efforts to negotiate with their lender. And those who do so on their own often run into a bureaucratic mess, including hours on hold, lost records, and customer service representatives who know nothing about the borrower’s situation. Mediation helps to ensure that situations like that don’t happen.

“These new protections empower our fellow Marylanders, putting them on a more equal footing with mortgage companies that too often can’t be bothered to pick up the phone before beginning a foreclosure proceeding against a Maryland family,” said Governor Martin O’Malley (D). And lest Pawlenty think this is a purely partisan issue, it has also won the praise of Gov. Jodi Rell (R-CT). “Clearly, mediation is an effective tool homeowners can use to ward off foreclosure,” she said. “This program is a beacon of hope for hard-pressed homeowners and a real alternative for lenders.”

In mediation, there’s no requirement for a lender to accommodate a borrower, but it’s often the case that preventing a foreclosure is in the best financial interest of both the borrower and the lender. As CAP’s Andrew Jakabovics and Alon Cohen wrote, “the simple act of participating in mediation consistently yields solutions short of foreclosure that are acceptable to both sides.” Hopefully, should the Minnesota legislature do the right thing and create a program, Pawlenty will allow it to stand.

That's so this year. What's that? Silly Bandz? Twilight? As Mark Cuban writes on his blog, "Location check in is so 2010." Cuban explains that he just invested in a company that, through video footage, determines how many people are in a given area at a time, ostensibly for security and traffic-pattern analysis. For now anonymity is given to crowd members, but Cuban wonders if adding facial recognition software would allow locations to forego checkin applications because "we would already know you are there." Sound a little like Minority Report? TechCrunch thinks so. "It sounds like a future we're inevitably headed toward."

Behind the scenes at Gilt Groupe. In an interview with the Wall Street Journal, Alexis Maybank shares the story of how she and co-founder Alexandra Wilkis Wilson built Gilt Groupe, the online flash sales site for men's and women's luxury fashions. The company, founded in 2007, reported $170 million in revenue last year and now boasts three million members who shop for designer brands at up to 70 percent off retail prices. Maybank talks about the challenges of getting the word out there, signing up initial designers, and raising VC as a woman. She explains to the Journal that "it's an old boy's network, and that's intimidating for a lot of women. So when explaining fashion to a bunch of men in khaki pants and blue button-down shirts, their response was always 'Oh, let me see if my wife thinks if this is a good idea.' But it worked."

Our annual 30 Under 30 list. They're running innovative companies, they're building communities, they're setting trends, they're giving back--and they're all under 30. Here's this year's winners, from Sprouter, to Agile Sports, to The Man Registry. Did we miss anyone? Let us know in the comments.

Foursquare is prowling for a partnership. Yet another 30 Under 30 winner is making headlines this morning as it attempts to snag a whale of a partnership. Foursquare, the game/ social network that recently raised $20 million in Series B funding, claims it is in talks with Google, Yahoo and Microsoft about deals involving their location-based data (via GigaOM). While the novelty of being the mayor of your local mall might gradually wear off it can still be a useful tool to make money for your business. Also, this type of partnership is what catapulted Twitter to profitability.

Facebook's co-founder on the Facebook movie. When you're trying to revolutionize social networking while you're still at Harvard, you're probably not thinking about how Aaron Sorkin might portray your life in a feature film six years hence. In SocialBeat, Facebook co-founder Dustin Moskovitz, gives his take on the silver screen adaptation. In short: it overplays the sex and booze. "It is interesting to see my past rewritten in a way that emphasizes things that didn't matter . . Other than that, it's just cool to see a dramatization of history. A lot of exciting things happened in 2004, but mostly we just worked a lot and stressed out about things; the version in the trailer seems a lot more exciting, so I'm just going to chose to remember that we drank ourselves silly and had a lot of sex with coeds," writes Moskovitz, who is currently working on a productivity startup Asana, backed by Benchmark Capital and Andreessen Horowitz. As for Zuckerberg, he adds, "At the end of the day, they cannot help but portray him as the driven, forward-thinking genius that he is."

What financial reform means for angel investing. In a guest post at VentureBeat, Scott Walker, CEO of a law firm that specializes in entrepreneur representation, breaks down the impact of the financial regulation bill on angel investing. The verdict: it's a mix of good and bad.  

Renting a room to save a home. Today's BusinessWeek explains how San Francisco-based startup AirBnB is helping homeowners escape foreclosure. The site allows people from 142 countries to rent out empty rooms and pull in a little extra income. One New Yorker tells BusinessWeek, "This has been our stimulus package...we were going to lose our house." Founders Brian Chesky and Joe Gebbia say they got the idea for the company when they were cash-strapped, themselves. After renting out space in their own home, they decided to turn the idea into a business, enlisting the help of their friend Nathan Blecharczyk. All three founders made it onto our 30 under 30 list this year, having seen a tremendous amount of growth since the site launched just two years ago.

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iPhone 4 hitting 17 more countries on Friday | Apple - CNET <b>News</b>

The newest flavor of Apple's smartphone will arrive in additional markets July 30, including Canada, Denmark, Ireland, Italy, and Singapore--but not South Korea. Read this blog post by Lance Whitney on Apple.

New Leak Found on Gulf Coast « Liveshots

The Coast Guard is responding to a new oil leak on the Gulf Coast. This spill involves a well in.

Football Spy transfer <b>news</b> video: The latest on moves for Sol <b>...</b>

Sol Campbell, Javier Mascherano, Mario Balotelli and Manuel Almunia feature on today's Football Spy Show.

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iPhone 4 hitting 17 more countries on Friday | Apple - CNET <b>News</b>

The newest flavor of Apple's smartphone will arrive in additional markets July 30, including Canada, Denmark, Ireland, Italy, and Singapore--but not South Korea. Read this blog post by Lance Whitney on Apple.

New Leak Found on Gulf Coast « Liveshots

The Coast Guard is responding to a new oil leak on the Gulf Coast. This spill involves a well in.

Football Spy transfer <b>news</b> video: The latest on moves for Sol <b>...</b>

Sol Campbell, Javier Mascherano, Mario Balotelli and Manuel Almunia feature on today's Football Spy Show.

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Please join us at TechCrunch Disrupt San Francisco on September 27-29 2010.

It started as an experiment in New York this past May. We sensed a fundamental shift taking place with technology and media—a shift in platforms, applications, revenue models and consumer behavior—and we wanted to talk about it. Appropriately, we found an old Merrill-Lynch office building and took it over for three days to test a new event format, TechCrunch Disrupt. We had 3 objectives: (1) gather the best minds to debate what’s changing now and what to do about it; (2) showcase the hottest new startups we could find and (3) have fun and meet a ton of new people.

The response was more than we could have hoped for. Charlie Rose opened the show. Mayor Bloomberg stopped by for a surprise visit. Carol Bartz even made me blush (sort of). Twenty five new startups launched on stage. Over 100 other startups demo’ed their services in the wings. 1,700 tech enthusiasts showed up—rivaling our biggest events to date in San Francisco.

So we’re going to keep blowing it out, and we hope you’ll join us for TechCrunch Disrupt San Francisco, September 27-29 at the San Francisco Design Center Concourse. The main agenda will run 9 am – 6 pm, but save your evenings for after-parties and lots more networking fun.

Disrupt SF will explore the Third Wave, a phrase coined by John Doerr in his interview with Charlie Rose. If the First Wave was the PC, and the Second Wave was the Internet, now the Third Wave is a combination of the social and mobile layers accelerating everything on the Internet once again from geo apps and tablet computing to social commerce.

Disrupt SF will also feature our new startup competition, the Startup Battlefield, where approximately 25 new startups will participate in a tournament-style launch competition to demonstrate their technology, business and marketing disruptions. One lucky company will take home the grand prize Disrupt Cup trophy (passed on from last May’s winners, Soluto) and a $50,000 check, and others will receive special awards and accolades.

So let the disruption begin. Startup applications are open today, hosted by Producteev, through midnight PST, August 8. We review applications on a rolling basis, so please apply as soon as you are ready for consideration. You can read all the fine print for rules and eligibility here. Just remember our motto: Create, Destroy, Repeat.

The Disrupt SF list of speakers and agenda will be announced on over the coming months, but grab our extra early bird tickets asap (best prices through July 31 via Eventbrite.)

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Is all <b>news</b> good <b>news</b>? Ask Pete Carroll | Jacket Copy | Los <b>...</b>

When Pete Carroll signed his book deal in April 2009 -- for somewhere upward of $500000 -- he was known as the most winning active coach in college football, with an 88-15 record in his nine seasons at USC. By...

Howard Dean Lashes Out at Fox <b>News</b> ... During an Appearance on Fox <b>...</b>

"Fox News did something that was absolutely racist."

Robert Naiman: Defense <b>News</b>: War Supplemental Not Needed to Fund <b>...</b>

If the war supplemental is not approved this week, the troops will still be paid and the troops will still be fully supplied. There is no "emergency" requiring action this week.

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Susan Payton is the President of Egg Marketing & Public Relations, an Internet marketing firm. She blogs at The Marketing Eggspert Blog. Follow her on Twitter @eggmarketing. Download her newest e-book, “Content is Queen: How Article & Blog Writing Will Increase Your Sales.“

Companies love positive feedback. They share it on Twitterclass="blippr-nobr">Twitter, post it on their website and use it as marketing fodder. But what about when feedback is, well, less than pleasant? What can you do with a handful (or more) of irate customers? Do you ignore them? Bury them out back? Not in today’s social atmosphere.

Rather than try to sweep these unhappy customers under the rug, look at them as a challenge and an opportunity to improve your brand and leverage them for some publicity.

Why You Want Angry Customers

Well, maybe you don’t want angry customers, but let’s be honest — you’ll never have 100 percent customer satisfaction. No one does. So use those unhappy customers to better understand what you’re doing wrong, and learn from the experience. And while you’re at it, turn the angry customers into brand evangelists.

There are several ways to connect with unhappy customers in a meaningful way:

• Hold a panel or forum in person; give them a tour of your facility and hold a venting session
• Work virtually; host an online panel to get feedback from them
• Work one-on-one to understand their concerns and address them individually

In-Person Events

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Dell recently held its first Customer Advisory Panel event at their headquarters in Round Rock, TX. They invited two groups of 15 bloggers and social media gurus. One group was full of people who had negative experiences with the company and who were vocal about their displeasure. The second group was made up of people that Dell considered brand evangelists; people who loved Dell and told others.

The attendees started the morning with their gripes; customer service issues came up again and again. The heads of customer service and marketing were present and actively engaged. As they listened, they took notes, then asked questions and they promised they would make changes.

That type of customer empowerment is important. Now, whether they’ll go through with the promised changes is another story, but it was clear that Dell understood it was time to start paying attention to the public’s perception of its brand, and make some changes to keep their customers.

Nestlé is another company that has been successful at holding an event to let people engage with its brand directly. After a resurgence in interest in the Nestle Boycott a few years ago, Nestlé decided to invite a group of bloggers to what it called its “Happy, Healthy Gathering” in 2009. Mommy bloggers, who’d been tweeting up a storm about the company’s stance on breastfeeding in third world countries, were invited to tour the facilities and give their input on the company.

Whether the event truly changed perceptions remains to be seen, but it did a great deal to show that Nestlé was putting in the effort to reach its audience.

Disclosure: I was one of the bloggers invited to participate Dell’s Customer Advisory Panel.

Virtual Panels

Virtual panels are decidedly less effective than in-person ones. But they can be good replacements for focus groups. Pssst is General Mills’ online testing ground for new products. The company sends participants coupons and free products to try, and in return they are asked to fill out surveys. The program is so successful that bloggers who write about saving money are gladly turning others onto joining Pssst.

Similarly, the Starbucks Passion Panel was designed to get customer feedback — for better or worse. The community of Starbucks drinkers gives their input via surveys and forums.

Passion Panel member Jennifer Boyd said, “Being on the Passion Panel means that I have access to direct input and discussion with other members. It enables me to give my opinion on Starbucks’ current and future products through surveys. The panel is a great way to engage with their loyal customers and solidifies a relationship with a consumer to a brand.”

Wal-Mart’s Elevenmoms platform is another example of how a mix of online community, shopper experience and in-person visits can work together to help the company gather new insights. John Andrews, former Senior Manager of Emerging Media for Wal-Mart and founder of the Elevenmoms, said the community succeeded in getting Wal-Mart’s attention in a few areas where it was lacking.

When the iPhone was launched in Wal-Mart stores, the Elevenmoms were invited to go through the purchase process. Some had no problems, but others did. It took one blogger two hours to buy a phone. Each blogger published her experience, and Wal-Mart took the feedback to its operations staff, who took notes and improved the purchase process.

“The Elevenmoms used direct social media interaction to improve the shopping process,” said Andrews.

Other feedback caused Wal-Mart to reconsider its layaway strategy. Having canceled the layaway plan due to costs, Wal-Mart got some flack from the Elevenmoms, who felt it made it easier to make big purchases. As a result, Wal-Mart developed its Site to Store platform, which provided the benefit of layaway online, so that local stores didn’t incur extra costs.

Disclosure: John Andrews now works with Collective Bias, a company with which I have collaborated on projects.

One-on-One

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Solving a customer’s problems and changing their perception individually is the least cost-effective method, but a little work goes a long way. And it starts with customer service personnel being properly trained to solve problems, and not to simply stick to “the script” at all costs. Look at Zappos or Disney for great examples of how service reps are empowered to solve problems.

Disney empowers each of its “cast members” (staff) to solve a guest’s problem. From the street sweeper to the reservation specialist, everyone has the ability to turn a negative situation into a good one. That might mean replacing a fallen ice cream cone, upgrading a guest’s hotel room, or simply answering politely the most commonly asked question on Disney property: what time is the three o’clock parade?

Disney is so good at customer service, they’ve opened the Disney Institute, a customer service training program helps other corporations use the same techniques that has made Disney such a success.

Likewise, Zappos is also famous for its customer service tactics. The reps don’t use scripts, and seem to genuinely care about solving problems. Many customers are pleasantly surprised when their shipping gets upgraded and they get their shoes even faster – at no additional charge.

By providing instant happiness to the customer, these brands can prevent a lot of the bad karma that comes down the road when an unhappy customer becomes an enraged customer who tells everyone he knows about how bad the company is (no one wants their own version of DellHell).

Conclusion

No matter how you interact with unhappy customers, the point is not to brush them off, and make sure you learn from it. Don’t just pretend to listen and then go on doing business as usual. Take the feedback as constructive criticism that can help you determine your company’s future. How you handle your failures could make you or break you.

More Business Resources from Mashable

- HOW TO: Evaluate Your Social Media Plan/> - Why Your Next Business Card May Be Virtual/> - HOW TO: Improve B2B Sales Productivity with Social Media/> - HOW TO: Use Social Media for Lead Generation/> - HOW TO: Use QR Codes for Small Business Marketing

Stock: Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, biffspandex

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I’m Neil Glassman and my beats for Social Times include social media marketing and advertising tools, techniques and success stories. Sometimes my posts go off on a tangent, focusing on small business social media issues or research with broader implications.

How did I get the gig? Well, I certainly did not tell Nick O’Neill the whole story that follows.

I didn’t realize growing up that AM radio was one of the original social networks. It had Top 40 formats (mashups), DJ shout outs (tweets), contests to win logo T-shirts (badges) and exclusive clubs to which everyone belonged (Facebook groups).

I got into late night talk shows (blogs), which had an intimacy and affinity with listeners that radio has lost and web social networks have yet to fully discover. My parents didn’t think it was such a great idea for me to stay up late listening on school nights and took away my TV privileges for one night as punishment. That was the night of The Beatles’ first appearance on Ed Sullivan.

My luck with media improved over the years and I found myself marketing technology for media companies. My training was much like everyone else’s in the field: a box of Mad Magazine “best-of” books, learning how to touch-type and a brief career teaching emotionally disturbed junior high schoolers.

In the beginning, I worked with startups, turning underdogs into wonderdogs. Recently I’ve helped a few companies avoid a mid-life crisis. Whatever my responsibilities are for a particular company, my favorite part is finding ways to present a solution to the marketplace and having the marketplace react by saying, “Ah-Ha!”

Successful marketing means thinking outside the box while delivering campaigns inside the box. I leaped on the web-based and electronically delivered marketing platforms very early and with good success. When Nick put out a call for writers on marketing and advertising, I thought it was a cool opportunity and am grateful to have been chosen to contribute to Social Times. My posts are a great way to share my explorations of the potential of the social web, not just for marketers, but for the world’s cultures.

As marketers, our first priority is to develop campaigns that are effective. If we manage to leave a slogan, image or song in our collective unconscious in the process, that’s a great bonus. In my collaborations, I’ve had the chance to participate in some firsts — at least I think they were firsts. If you know something I don’t, teach me.

The first music video shown on TV that was shot and produced totally on video — no film conversion at any step. The Towel Tapes, February 1979.

Marketing the first hardware product to include mp3. Telos Zephyr, April 1993.

The first time the Internet ground to a halt because too many were trying to log in to a multimedia event. Streaming George Clinton concert audio to demonstrate Macromedia Shockwave, the precursor to Flash. November 1996.

On the personal front, I’m a New Yorker with a huge appetite for great songwriters and musicians of diverse genres. Tweet me and I’ll send you a link to my calendar of all the free concerts in town this summer.

Blogging works best when it’s participatory, so join in the conversation with the talented team on Social Times. Pitch me ideas for posts about using social media for marketing and advertising. Don’t forget to include how you are going to make the market say, “Ah-Ha!”

Today&#39;s SAG National Board Plenary <b>News</b> – Deadline.com

President Howard said, “This is a positive step toward uniting SAG and AFTRA and good news for our members. The creation of a single performers' union is overdue, and I'm pleased to be working with Roberta Reardon, who's been such a ...

MCFC close to signing Serbian Aleksandar Kolarov from Lazio <b>...</b>

Roberto Mancini last night revealed that the Blues are '99% certain' to sign Aleksandar Kolarov from Lazio.

Fit to Post – Yahoo! Philippines <b>News</b> » Blog Archive Comedian <b>...</b>

Philippines News » Blog Archive Comedian By shyboyz32 Comedian and popular TV personality Redford White on Sunday succumbed to complications from his bout with lung cancer. He was 54. Redford passed away at his home at 6:47 a.m. Sunday, ...

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personal finance budgets

Forget the coupon clipping. A straightforward, realistic budget is the best deal you'll ever find.



Why is a budget the best deal? Because, just like your childhood puppy your budget will always be there for you, no expiration dates, no fine print to yank away the savings after you've already been whipped into a furry of consumerism. If you care for your budget it will take care of you so that "saving" isn't just not unnecessarily spending an extra $5 at the grocery store this week; but actually saving money in a high yield savings account. Another great thing about a budget is that, again like your puppy, it will take you back even if you screw up.



Think outside the sale. For years I chased after deals and discounts like they were the oxygen keeping me alive. It didn't matter if I needed an item or not -- if there was a sticker advertising 60, 70, 80 or 90% off a gadget, I wanted to buy it. How could I pass up the savings?



It wasn't until recently that I realized a budget is the best deal you can find. After taking a few minutes to look at how to put together a budget I realized that it takes less time to set up and follow a budget than it does to look for deals every day of the week.



Thanks to great free personal finance management (PFM) tools from sites such as like Mint.com, Rudder and others you can easily create a budget and track how well you are following it each day. These tools will even send you a notification when you go outside of your budget so you aren't shocked at the end of the month. If you don't already have a successful budget don't start creating one yet. First go read these tips for setting realistic budget.



Advice on Budgeting

• Reverse Budget - A savings first solution from FiveCentNickel


• Budgeting basics - a Budget primer from Consumerism Commentary including suggestions on how to get started.

My personal favorite and current method of budgeting isn't so much a budget as it is smart spending. Ramit Sethi explains the model in his book I Will Teach You to Be Rich, calling it, "Conscious Spending." Instead of focusing on the minutia Sethi concedes that it is in fact OK to, "Spend extravagantly on the things you love, and cut costs mercilessly on the things you don't."



A budget may be the best deal, but that doesn't mean you need to give up on coupon clipping and bargain hunting; just make these tools that support your plan instead of the main focus. If you plan for your purchases, by saving up at SmartyPig or setting a goal in Rudder, you can still go looking for a deal on your next purchase and pay in cash. Trust me, there's something really incredible about paying in cash for the new camera that you've researched and found the best deal on.Thanks to great free personal finance management (PFM) tools from sites such as like Mint.com, Rudder and others you can easily create a budget and track how well you are following it each day. These tools will even send you a notification when you go outside of your budget so you aren't shocked at the end of the month. If you don't already have a successful budget don't start creating one yet. First go read these tips for setting realistic budget.



Advice on Budgeting

• Reverse Budget - A savings first solution from FiveCentNickel


• Budgeting basics - a Budget primer from Consumerism Commentary including suggestions on how to get started.

My personal favorite and current method of budgeting isn't so much a budget as it is smart spending. Ramit Sethi explains the model in his book, I Will Teach You to Be Rich, calling it, "conscious spending." Instead of focusing on the minutia Sethi concedes that it is in fact wise to "spend extravagantly on the things you love, and cut costs mercilessly on the things you don't."



A budget may be the best deal, but that doesn't mean you need to give up on coupon clipping and bargain hunting; just make these tools that support your plan instead of the main focus. If you plan for your purchases, by saving up at SmartyPig or setting a goal in Rudder, you can still go looking for a deal on your next purchase and pay in cash. Trust me, there's something really incredible about paying in cash for the new camera that you've researched and found the best deal on.
Mint.com is arguably one of the most popular personal finance management tools out there. For all that it has done well, up until this week, it hasn't been the best place to track financial goals. Now, with the introduction of Mint Goals you can link all of your financial goals with the accounts that you have connected to Mint to better track your progress.



Mint Goals improves on the Planning section, which Mint users had until now used for goal-setting. The new Mint Goals section provides users with eight goal areas which can be tailored to the individual so that the goal is realistic and achievable. These eight goals include getting out of debt, saving for an emergency, saving for retirement, buying a home, buying a car, saving for college, taking a trip and improving your home; you can also set a custom goal.



Mint Goals Video from the Wall Street Journal:









When you create a goal Mint will ask you a few questions to find out when you want to achieve it and suggest a monthly contribution to this account. If you have Mint connected to all of your accounts the service can use the data it already has to automate some of the planning process. For example, if you are setting up an emergency fund, Mint knows about how much you spend a month so it is easy to figure out how much you need to cover three months' worth of living expenses. If you are working to pay down debt, and have your credit cards linked, you'll get a look at what you owe and a pay-down plan based on that amount.



After you choose the amount you want to save, Mint allows you to link the goal to a specific account, add a new account or suggests an account to open that fits the goal's purpose. When I was setting up an emergency fund goal, Mint shared several high yield savings accounts.



If your goal is getting out of debt, Mint may suggest that you get a loan through a partner like Lending Club, a peer to peer lender that offers personal loans at rates more than 50% lower than the average credit card APR. The suggested accounts are not all encompassing and you should still take a few steps to find the best bank or account for you.



In addition to budgeting for your day-to-day expenses, setting a goal for purchases and events such as buying a new HDTV, a house or taking a vacation is an important step to getting out of debt and staying out. If you need help after setting up your goals, Mint provides a checklist of to-do items and advice. You can also come back to WalletPop to learn more about all topics personal finance.



What do you think about the new Mint Goals?
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Rachel Maddow: Fox <b>News</b> Stoking Racial Fears Among Whites (VIDEO)

Rachel Maddow tore into Fox News again Wednesday night, accusing the channel of stoking racial fears among whites. Maddow used the channel's role in hyping the Shirley Sherrod story as a springboard for a broader discussion of the ...

Cenk Uygur: Why Does Fox <b>News</b> Have More Power Than Any Progressive <b>...</b>

Is there anyone Obama won't fire or throw under the bus if Fox asks him to? What if they ask Obama to fire himself? Would he do it? Or would he just fire Biden and say he met them halfway?

More Touchscreen Innovation: ABC <b>News</b> for iPad Launches

Launched this week, ABC News for iPad is a notable free application which continues the trend of companies developing innovative and creative interfaces designed specifically for tablet-sized touch ...

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Rachel Maddow: Fox <b>News</b> Stoking Racial Fears Among Whites (VIDEO)

Rachel Maddow tore into Fox News again Wednesday night, accusing the channel of stoking racial fears among whites. Maddow used the channel's role in hyping the Shirley Sherrod story as a springboard for a broader discussion of the ...

Cenk Uygur: Why Does Fox <b>News</b> Have More Power Than Any Progressive <b>...</b>

Is there anyone Obama won't fire or throw under the bus if Fox asks him to? What if they ask Obama to fire himself? Would he do it? Or would he just fire Biden and say he met them halfway?

More Touchscreen Innovation: ABC <b>News</b> for iPad Launches

Launched this week, ABC News for iPad is a notable free application which continues the trend of companies developing innovative and creative interfaces designed specifically for tablet-sized touch ...

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managing your personal finance

deals, Software, VC

Jive Software Nabs $30M in Round From Kleiner Perkins, Sequoia Capital

Thea Chard 7/21/10

Jive Software, the Palo Alto, CA-based software company started in Portland, OR, has received $30 million in Series C financing led by Kleiner Perkins Caufield & Byers.

This latest shot of cash, part of which comes from Sequoia Capital, means the company has raised more than $57 million in the last three years. Sequoia had been Jive’s sole investor up until this point, providing $12 million back in October, and $15 million in 2007.

“This is the biggest joint investment that Kleiner and Sequoia have done since they partnered up with Google,” says Bryan LeBlanc, Jive’s chief financial officer.

The investors are betting big that Jive has figured out how to harness some key elements of social media for business. Jive provides social-networking, communication, collaboration, and social media monitoring tools to more than 5,000 businesses, a group that ranges from small and mid-size companies to huge global brands. Jive’s customer roster includes Nike, Starbucks, SAP, Cisco Systems, Charles Schwab, and Intel. The company also provides social networking and collaboration software for a number of U.S. government agencies, as well as congressional members and their staffs.

“We’re the largest and fastest-growing company in this new category,” says Christopher Lochhead, Jive’s chief strategy advisor. “It’s about a $5 billion dollar market growing at about 40 percent, and we’re the clear leaders.”

The company’s biggest competitors include Microsoft and IBM. But according to Lochhead, Jive has an advantage—the support of some significant VC dollars, which he says will give Jive the ability to expand its product offerings and hire the best talent Silicon Valley has to offer in “multiple gene pools.”

As part of the deal, Kleiner Perkins managing partner Ted Schlein will be joining the Jive board of directors. The $30 million capital will be used to “accelerate Jive’s rapid growth and further drive the company’s leadership in the social business market,” according to a company statement.

What does that mean for potential clients? That the company will be expanding on its current social business software—the “doppler weather radar” of what’s going on in specific markets as Lochhead puts it. It will also allow Jive to focus on developing four strategic pillars moving forward. First is what Lochhead calls  ”Jive What Matters,” a one-stop command center that encompasses “everything that you need to get your job done,” in terms of monitoring deadlines, status updates, sales numbers, all in one place. Then there’s Jive mobile apps; social widgets, such as YouTube and SalesForce, integrated into the software; and seeking out more strategic partnerships with companies like Google and Twitter.

“What social business software entails is a new way to engage with your employees, customers and the web,” Lochhead says. “Why is it so fun, effective and easy to do all of this stuff in my personal life, and yet work sucks? All of those innovations in the consumer social web, Jive is bringing to the enterprise.” He adds: “It’s a new way to do business that allows people to work together, interact, in a way that just wasn’t possible before.”

LeBlanc, the finance chief, added: “$30 million allows us to have the currency to execute that strategy.”

Though Jive, founded in Portland, OR in 2001, relocated its headquarters to Palo Alto, CA last May, it continues to maintain a growing presence in the Pacific Northwest. The company laid off one-third of its employees—around 40 people, including the vice president of engineering and vice president of sales—after the economic down turn in 2008. But Lochhead says it’s maintained profitability and is growing again, with 270 employees spread throughout the offices in Palo Alto, Portland, OR, and Boulder, CO, as well as two outposts in Europe. In January, the company posted record profits—an 85 percent increase in full-year revenue in 2009 when compared to the previous year.

And although LeBlanc could not give us exact figures on how Jive is doing this year, he did say that the financial support from Kleiner Perkins and Sequoia is a strong indication of the company’s potential.

“We do intend to build a large, relevant software company, and often when you look at large, relevant software companies, they’re $1 billion companies,” LeBlanc said. “Having that capital now—I think it’s a testament that Sequoia has been very bullish about this space…it’s unusual and we feel, frankly, very honored to have two of the titans of Sand Hill Road both behind us.”

Thea Chard is the Assistant Editor for Xconomy Seattle. You can e-mail her at tchard@xconomy.com or follow her on Twitter at http://twitter.com/theachard.

As you’ll read tomorrow (or Monday), I’ve entered a new phase in my life. After years of hard work and long hours building this blog (time that I’ve enjoyed), I’ve been shifting things around so that I have more free time. As a result, I’m going to have more time to devote to creating quality blog posts, instead of rushing around at the last minute looking for something to write about.

Because of this, it’s time yet again to take requests. I do this about once a year, and it’s a great way to get a feel for what GRS readers are interested in. I’d be grateful if you’d take the time to leave a comment below with topic suggestions or article requests. It doesn’t matter if we’ve covered the subject in the past. If you’d like me (or one of the other GRS staff) to write about it, let me know.

Have there been too many articles about credit cards? Too few articles about credit cards? Would you like to know more about individual savings accounts? Do you like the articles about the psychology of spending? Would it be helpful to have somebody come in to explain insurance concepts in plain English? Should I try to persuade my wife to share more of her recipes now and then? Let me know what you’d like to read about!

While you’re all providing feedback about the site, here are a few recent articles of note:

Over at The Simple Dollar, Trent and his readers had a thoughtful discussion about the obligations of wealth. “I think there is some inherent distrust of the rich in the mainstream of American society,” Trent writes as he describes how a wealthy person can keep from alienating his friends. There’s so much to say about this topic; I’m tempted to write an entire article about it.

GRS reader Steven writes a blog called Hundred Goals, which is about achieving your goals while managing your finances. After Sierra’s post this morning about travel, he dropped me a line to let me know that he has a recent article about how to have a great vacation.

Speaking of vacation, my pal Jason over at No Credit Needed spent time compiling day-use fees and free days for state parks across the United States. Handy page to bookmark!

And here’s more travel! At The Art of Non-Conformity, my good friend Chris Guillebeau has posted a beginner’s guide to travel hacking. I’ve been asking him to share this info for a long time; now I’ve got to take responsibility to use the knowledge he’s shared.

Finally, I’ve been giving a lot of interviews lately. I’m much more comfortable with these than I used to be. (They used to scare me to death!) Some examples:

• Colleen from The Frisky interviewed me about how to save money even when you’re living paycheck to paycheck. This is a tough quandary, something I’m asked about a lot.




• In an interview with BeFrugal, I discuss frugality, happiness, and conscious spending. (Note: “the ballot” should be “the balance” — I must have mumbled.)




• Jeff Rose at Good Financial Cents also interviewed me. This interview is very much about the process of writing a book, which may or may not interest you.




• I also spoke with Beverly Harzog from Card Ratings. We chatted about credit cards, of course, but also about other aspects of personal finance.




• Finally, USA Weekend has a short piece on how to give your 401(k) a midyear check, for which author Richard Eisenberg interviewed me back in May. This is a perfect example of how much work goes into even a small newspaper article. Eisenberg spent 20-30 minutes on the phone with me, and I’m sure he did the same with the other folks he quotes. Plus, I’ll bet he spent a lot of time writing. I wouldn’t be surprised if there were 4-6 hours in this small piece.

Okay, one last thing before I go. Tim pointed me to a two-year-old New York Times series about the debt trap, which includes an interactive infographic showing average household debt loads over the past century.

That’s enough links for today. Please do leave a comment with topic requests or other feedback. Meanwhile, it’s time for me to go do some yardwork…

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Shirley Sherrod | Media Matters | Fox <b>News</b> - Breitbart | Mediaite

The woman at the center of the Andrew Breitbart/NAACP/Obama Administration/USDA/probably-Journolist-but-who's-keeping-track-at-this-point scandal, Shirley Sherrod, spoke to Media Matters' Joe Strupp today about the experience of going ...

Good <b>News</b> For Lohan! | PerezHilton.com

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Small Business <b>News</b>: Social Media, SEO and Marketing | Small <b>...</b>

Small business in the Internet age is still about marketing. In this case much of that marketing takes place online. The tools you will use include social media.

personal finance planning

Kelley wrote recently with the sort of dilemma I get asked about all of the time: Is it better to invest or to prepay a mortgage? We’ve covered this topic in the distant past, but it’s time to review the debate for current readers. First, let’s look at Kelley’s e-mail:

My husband and I are on the right track. At age 25, our only debt lies in our home mortgage. We have the six-month emergency fund in place, I currently meet the 3% 401(k) match offered by my employer, and I started a Roth IRA for myself and my husband last year. I started each Roth IRA with $4,000.

My financial advisor recommended for us to max out each of our Roth IRAs each year. My husband disagrees. He thinks paying off the house is a bigger priority. Starting this year, we’ve made an extra payment on our house each month. If we continue doing this, we can have our house paid off in nine years rather than 30 years. However, we can’t do both.

Currently we’ve decided to throw $1,000 into each Roth each year until the house is paid off. Is this the wise decision? Or is it better to put more toward the Roth IRA and less toward the house?

I understand either option is good because I’m saving money. I’m just curious of which route would be wiser.

Kelley’s right: Both of these options are good. This is like choosing between an apple and an orange. Both taste good, and they’re good for you &madsh; but is one better for you in the long run?

What the experts say

Three years ago, when we last covered this topic (holy cats! — where has the time gone?), I collected the following roundup of advice from personal-finance books:

• Ric Edleman (Ordinary People, Extraordinary Wealth): Never own your home outright. Instead, get a big 30-year mortgage and never pay it off — regardless of your age and income. “Every time you send an extra $100 to your mortgage company, you deny yourself the opportunity to invest that $100 somewhere else.”




• Suze Orman (The Laws of Money): Invest in the known before the unknown. Paying off your mortgage offers a guaranteed return on investment. “You cannot live in a tax return. You cannot live in a stock certificate. You live in your home.”




• Elizabeth Warren (All Your Worth): Save 20% of your income. Use 10% for retirement savings, 5% to accelerate your mortgage, and 5% to save for future dreams. “Paying off your home also does something many financial planners neglect to mention: It gives you freedom. Once that mortgage is gone, just imagine all the freedom in your wallet.”




• Dave Ramsey (The Total Money Makeover): Prepay your mortgage if you can, but only after you’ve saved an emergency fund, and only if you’re putting at least 15% of your income toward retirement. Don’t use a program designed by a broker; use your own self-discipline.




• Dominguez and Robin (Your Money or Your Life): “Pay off your mortgage as quickly as possible.” This book, too, was written when interest rates were higher. Also, the authors emphasize frugality over investing.

Financial authors don’t agree on this subject. Maybe the personal finance gurus writing for the web can clear things up?

• Liz Pulliam Weston at MSN Money: Don’t rush to pay off the mortgage. “You’ve got better things to do with your money, like saving for retirement, building an emergency cushion or even living it up a little.”




• Walter Updegrave at CNN Money: If you’ve funded your retirement, and if it will make you happy, then pay down the mortgage. Otherwise, it makes more sense to invest.




• Laura Rowley at Yahoo! Finance: Using very conservative figures, investing instead of prepaying the mortgage yields an extra $400 per year. If you feel compelled to pay down your mortgage, do it. But realize you’re paying a price to do so. (She offers more details at her blog, as well as tips on how to estimate the investment return you need to earn to make it worthwhile.)




• Bankrate: Pay down your mortgage if your investments would be conservative. Invest if you’re planning to do so for the long term.




• USA Today: It depends on your income, your monthly expenses, your risk tolerance, and your desire to own your home free and clear.




• Kiplinger’s: Invest unless you’re near retirement




• The Dollar Stretcher: Mathematically, it makes more sense to invest, but it all depends on your risk tolerance.




• My fellow pfbloggers at Bargaineering and Million Dollar Journey recommend that a person do a little of both: pay down the mortgage some and invest some. Free Money Finance says: “If you have the discipline to save/invest the money you would be using to pay off the mortgage, it’s likely that saving/investing is the better option. But if you’re more the “average” person out there managing your money, I still believe it’s a better option to pre-pay your mortgage.”

The Rowley article offers some interesting background to this debate:

Why do so many people choose to put extra money into a mortgage when other options would likely increase their wealth? “This is really remnant of Depression mentality that has persisted from generation to generation,” says [one expert]. At the time, most mortgages had one- to five-year terms, with a lump sum payment due at the end.

“Any shock to income meant you couldn’t afford your payment — mortgages were much more susceptible to economic uncertainty,” [the expert says], and roughly one-quarter of Americans were unemployed during the Great Depression. “It’s fine to pay down your mortgage if it gives you peace of mind, but you should recognize what that peace of mind costs.”

If you’re facing a similar decision, you may find this calculator useful: prepaying your mortgage vs. investing.

The bottom line

My conclusion in 2007 (and the one I still hold today) is that unless your mortgage rate is very high, it makes more sense mathematically to invest your money. But most gurus agree that psychologically, you should do what works for you. If paying off your mortgage would take a weight off your shoulders, then pay off your mortgage. Sure, you might be losing a bit in the long-term, but you’re still making a smart choice. As I said earlier, it’s like choosing between an apple and an orange. One may be better for you, but they’re both good.

Ultimately, I kind of like the choice that Kelley and her husband have made. They’re prepaying their mortgage and putting some toward retirement. But enough of what I think. Kelley really wants to know what you think.

Which option is better? Should she and her husband be pumping as much as possible into their Roth IRAs? Or should they be paying down their mortgage as quickly as they can? Have you been faced with a similar dilemma in the past? What did you choose to do? And would you make the same choice again?

The social media revolution has given way to a generation of tech-savvy and interconnected young Americans. Youthful social media users share their personal lives online, tweeting and posting everything from their relationship status to their current location to their latest purchases. Yet, when it comes to discussing deeper personal finance issues or seeking personal finance advice online, the majority of young adults typically shy away from the web.

AARP recently conducted a national study of young adults in the 18 to 34 age bracket; 57 percent of respondents said that money (specifically the burden of paying bills and carrying debt) was their primary concern. Facing a recession and a brutal job market, young adults are starting to pay more attention to their financial autonomy and planning, yet only 1 in 10 respondents reported sharing financial information or seeking financial advice through social media.

This is starting to change with the advent of trustworthy, unbiased online personal financial resources -- websites that enable users to monitor their own spending, create short-term and long-term financial plans and get trusted financial advice. In fact, 85 percent of young people who have used social media for personal finance advice have reported that doing so made them feel "more confident" about their finances.

These new financial resources are breaking down the taboo of sharing, discussing and managing personal finance online. Whether you are a tech-savvy, social media guru or someone who spends a limited amount of time on the web, you can very easily leverage the internet to gain a greater understanding of your personal finances in a few short steps.

1. Make the most of online banking to make your life easier and keep your finances organized. Online banking is great because it offers quick, easy, 24-hour access to your checking and savings accounts. Here are three ways to make the most of online banking:

• Set up direct deposit for your paychecks so your salary (or other form of income) gets transferred directly and securely into your checking account.

• Set up online bill pay for your monthly bills -- your monthly payments will automatically be transferred from your checking account on a designated date each month. If you are not ready to commit to monthly bill pay or simply want to monitor your bills more closely, you can choose a one-time monthly payment. (*Remember to only set up automatic payments to companies or people you trust)

• Set up calendar alerts two to three days before your bills are due to remind you to pay on time -- never miss a payment or your credit history will take a hit.

2. Start utilizing trusted and unbiased personal finance sites to learn more about personal finances.

LearnVest and other personal financial sites help you manage and understand your finances through tools, games, discussion pages and often, targeted daily newsletters. Whether you need help figuring out how to open an IRA, pay down credit card debt and student loans or find the right health insurance for you and your family, these sites offer expert, step-by-step advice -- for free. Many of these sites employ financial experts to answer your questions or guide you through a financial issue.

3. Use these websites for financial advice pertaining to family life or career changes.

Whether you are preparing for a baby or changing jobs, these sites will help you understand and navigate your way through these life changes. Learn how to negotiate for a raise, handle a tricky situation with your colleague or boss, and choose the employee benefits that are right for you. While personal finance websites are small in number, most of them include live discussion pages (similar to Facebook or Twitter pages) where you can chat with other users whose financial circumstances are similar to your own. Ask users on the site about techniques they use to give themselves a financial advantage in the workplace or to maintain financial autonomy in their marriage.

4. Use social media to find great discounts and deals.

There are tons of discounts and deals to be found on the web. These range from Twitter-only deals from sites like AmazonMP3, JetBlueCheeps, CheapTweet to Promo Code Websites like RetailMeNot, Coupon Cabin, CouponChief.

The AARP study found that young people feel a pinch on their social budgets -- 69 percent say that they suggest low-budget entertainment options and 57 percent say that they sometimes skip going out with their friends for financial reasons. Use social networking to communicate with friends and share information to come up with fun, budget-friendly things to do.

5. Get online and get (free) help to get out of debt.

Many websites offer step-by-step guides to help you take the right steps to get out of debt. With these online checklists, you'll learn how to get a free credit report online (I recommend using creditkarma.com!) differentiate between good debt and bad debt, and take the necessary steps to pay down your credit card.

While I strongly encourage my readers to take advantage of the internet and social networking platforms to gain a greater understanding of their personal finances, it is extremely important to be safe, smart, and responsible when it comes to sharing, discussing, and managing your finances online. There are many random, unprotected sites online that appear safe to use and are ready to accept credit card information. You wouldn't give a stranger off the street your credit card information, so be extra cautious about who you are sharing it with online. For the most part, never share certain personal financial information, i.e. credit card information or bank account information, unless it is with your bank, or a site that you have confirmed is trusted, secure and password protected.

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Personal finance home files are going to be needed in a few short months to prepare your tax return. So don't wait until the last minute. Start preparing those home files now before tax season rolls around. This will help you keep your personal finances in order and make tax filing a breeze.

Three Reasons Why You Should Set Up Personal Finance Home Files

1) It makes tax filing much easier and faster to accomplish.

2) If something happens to you a family member can jump right into your "personal finance picture" and have a clear idea what is due and when. And they will have quick access to information about your insurance and will without having to jump through a lot of red tape with providers and the court system.

3) It helps you stay on top of what you are spending---and where--as well as helps to keep you from overspending so you will stay on your budget.

How Long Do I Have to Keep My Tax Records?

When setting up your personal finance home filling system you might be glad to know that you can discard your old tax records after they are six years old. But hold onto them until then--and afterwards (to be on the safe side) if you had some unusual cirumstance that occurred financially during that period (sold a business).

What Should Be Included in Home Files?

Break the files down into these categories: taxes, investments, retirement and estate planning, and personal planning.

The following tax records should be included in your tax home file category: tax returns from the past six years, paychecks, W-2 forms, 1099 forms, charitable contributions, alimony payments, medical bills, and property taxes.

In your investment record file category you should have: bank records, safety deposit box info (in case of an emergency), stock, bond, and mutual fund transaction records, all brokerage statements, and dividend records.

The retirement and estate planning file should contain a copy of your will, pension plan documents, IRA documents, Keogh plan transactions, and social security information.

Lastly, in the personal finance personal planning file you are going to include the financial statements you recently prepared (if you have been reading and following my earlier personal finance articles, that is): a balance sheet, income statement, and personal budget.

In addition, for the personal planning file you will also include insurance policies and documents, warranties, major purchases receipts, receipts for home improvements made, birth certificates, rental agreements (if renting a living space), and all credit card information (account numbers and company phone numbers).

Resource

Personal Finance - Turning Money Into Wealth by Arthur J. Keown (5th Edition)


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Intel delivers cheaper six-core game chip | Nanotech - The <b>...</b>

Chip giant is shipping a less expensive six-core processor for the highest of high-end PCs. Read this blog post by Brooke Crothers on Nanotech - The Circuits Blog.

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Daily <b>News</b> Moving Downtown

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budgeting personal finances

What a fantastic basic concept.

Hitler lost the second world war because he attacked Russia too soon. udervise ve vood all be speeking Deutsch now.

We employed the alternative massively effective budgetting tool.

Be a self employed Engineer for 15 years with take home pay of £50K a year and spend it all (and more besides, because ‘I want one of those NOW’) because ‘my jobs safe’.

Watch as the banks destroy the worlds finances.

Suddenly realise that over 90% of British industry is ultimately owned by Japanese investment banks, who suddenly have no money to fulfill their legal obligations to complete legislation driven improvment projects.

Watch as my £50K a year take home falls to ZERO.

Start a brand new business with Kleeneze (sorry not available in the USA) Which although it’s building really well is , after all, a business and needs time.

Suddenly HAVE to live on £18K a year GROSS.

Best Motivation for re-inventing your budget that anyone can have LOL.

We used to spend about £1,000 a month on groceries, now we spend around £300 a month, AND we eat more healthily.

Fortunately the finance on my car ended a month after our income disappeared saving us £375 a month.

We’ve sold my wifes’ car (THAT hurt) it was a really nice car, but it was costing us £489 a month in finance.

We’ve moved to a cheaper house saving us £400 a month in rent.

We’ve cancelled everything that wasn’t absolutely essential - including SKY and the TV license (It’s true, you don’t die if you turn the telly off!)

We still have creditors who we’re negotiating reduced payments and frozen interest with, but basically we are starting again from scratch.

We won’t fall into the credit trap again

Certainly not in the next six years or more ‘cos no-one in their right mind will give us credit now anyway!!

The one thing that keeps coming back to me though is

WHY aren’t our schools teaching kids how to budget? It’s a thousand times more important than even the basics.

Who cares if you can’t spell budgit if you can make one and stick to it.

It CAN’T be one of the things that are left to parents because nobody ever taught us!

Back to subject,

Your article is brilliant and if it helps one person (which I’m sure it already has) to get out or stay out of debt then you’ve done a service to humanity.

Keep it up &

we’ll see you

OVER the top

In 2006, recent Harvard grad Alexa von Tobel was headed for a job at Morgan Stanley. But though she would soon be managing the bank’s investments, she realized she didn’t know the first thing about her own finances. Most financial guides seemed to be written for middle-aged readers with millions in assets, rather than recent college grads. "I was reading every book I could find, but none of them spoke to me," she says. So she came up with the idea for LearnVest, an online personal-finance resource for young women like her, and ended up writing an 80-page business plan.

After two years at Morgan Stanley, von Tobel entered Harvard Business School in 2008. But upon winning a business plan competition held by Astia, a non-profit that supports women entrepreneurs, she took a five-year leave of absence and invested $75,000 of her Wall Street earnings to start LearnVest in November. She quickly enlisted advisors, including Betsy Morgan, the former CEO of the Huffington Post, and Catherine Levene, the former COO of DailyCandy, to help develop the site’s content and technology. In January 2009, she secured $1.1 million in seed funding from executives at Goldman Sachs.

LearnVest’s site launched a year later and has since signed up more than 100,000 members. It offers online budgeting calculators, video chats with certified financial planners on the company’s staff, and free e-mail tutorials on topics such as opening an IRA. The company earns revenue from advertising and by referring its users to companies such as TD Ameritrade. In April, after just four weeks of fundraising, von Tobel closed a $4.5 million investment round led by Accel Partners, which has also invested in Facebook and Etsy. (Incidentally, Facebook CEO Mark Zuckerberg lived in the same dorm as von Tobel at Harvard.)

Von Tobel likens LearnVest to an online version of The Suze Orman Show, but with the goal of reinforcing positive finance habits early on. “Suze Orman helps 45-year-old women get out of debt,” she says. “Why not reach 20-year-olds to keep them from getting into debt?”

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Technology has certainly made our lives a whole lot easier in the last couple of days. To imagine that there used to be a time where we had to read the newspaper to check the weather, or drive-by the movie theater to see when shows were playing. There are now specialized tools to simplify just about every part of our lives, including monthly budgeting.

There are two major professional personal finance packages, which are Microsoft Money and Quicken. They both have very similar functionality, with a little bit different interfaces. They both track expenditures, watch your investments, help you set goals, and the like.

Some people successfully use these programs to manage their financial lives, but for 95% of individuals, these software packages are simply over kill. It's like trying to get rid of dandelions by uprooting the entire lawn. Quick and Microsoft Money have become so enriched with widgets and un-needed functionality that they're no longer intuitive to operate for the average user. The amount of time that one has to invest just to learn the product well makes it not worth while when a simple spreadsheet would suffice.

If one spent a decent amount of time investigating either of these applications and all of their intricate tools and utilities, one could make very good use of it. However unless you need some of the advanced functionalities such as interfacing with your bank electronically, in most cases it's just easier for someone to make a simple spreadsheet, or have someone who's a bit more tech savvy make one for you. If you finances are very simple and you don't know a lot about computers, there's no reason you can't make up your monthly budget on a yellow pad.

These programs aren't free either. You'll have to fork over $29.99 for this years edition of Microsoft Money, or $39.99 for a copy of Quicken Personal Finance Deluxe. Of course they come out with a new version each year, so it's not a simple one-time fee either.

I decided to give both of these programs the benefit of the doubt, tried to use them to do a monthly budget, but all I've found were interfaces that are unintuitive, wasted time without really any results, random application crashes, and more confusion. When you consider that most people can do everything they need without one of these fancy applications, the cost of purchasing these applications, as well as the learning curve to make good use of these software applications, it just doesn't make a whole lot of sense.


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Robin Hood 702 Strikes Again « Liveshots

On a blistering hot Friday morning in Las Vegas, Nevada, an unusual crew strolls out the VIP.

The American Spectator : <b>News</b> Quiz #3

In this contest, readers are again asked to identify the bogus news item. All four items are "reported" in similar style, from The American Spectator News Service (some minor details have been slightly altered). ...

Stabroek <b>News</b> - 200 YEST youths to join workforce

Daily News, Sports, Business, Entertainment and more from Guyana.

how to lose weight fast

personal finance budgeting

What a fantastic basic concept.

Hitler lost the second world war because he attacked Russia too soon. udervise ve vood all be speeking Deutsch now.

We employed the alternative massively effective budgetting tool.

Be a self employed Engineer for 15 years with take home pay of £50K a year and spend it all (and more besides, because ‘I want one of those NOW’) because ‘my jobs safe’.

Watch as the banks destroy the worlds finances.

Suddenly realise that over 90% of British industry is ultimately owned by Japanese investment banks, who suddenly have no money to fulfill their legal obligations to complete legislation driven improvment projects.

Watch as my £50K a year take home falls to ZERO.

Start a brand new business with Kleeneze (sorry not available in the USA) Which although it’s building really well is , after all, a business and needs time.

Suddenly HAVE to live on £18K a year GROSS.

Best Motivation for re-inventing your budget that anyone can have LOL.

We used to spend about £1,000 a month on groceries, now we spend around £300 a month, AND we eat more healthily.

Fortunately the finance on my car ended a month after our income disappeared saving us £375 a month.

We’ve sold my wifes’ car (THAT hurt) it was a really nice car, but it was costing us £489 a month in finance.

We’ve moved to a cheaper house saving us £400 a month in rent.

We’ve cancelled everything that wasn’t absolutely essential - including SKY and the TV license (It’s true, you don’t die if you turn the telly off!)

We still have creditors who we’re negotiating reduced payments and frozen interest with, but basically we are starting again from scratch.

We won’t fall into the credit trap again

Certainly not in the next six years or more ‘cos no-one in their right mind will give us credit now anyway!!

The one thing that keeps coming back to me though is

WHY aren’t our schools teaching kids how to budget? It’s a thousand times more important than even the basics.

Who cares if you can’t spell budgit if you can make one and stick to it.

It CAN’T be one of the things that are left to parents because nobody ever taught us!

Back to subject,

Your article is brilliant and if it helps one person (which I’m sure it already has) to get out or stay out of debt then you’ve done a service to humanity.

Keep it up &

we’ll see you

OVER the top

Five Best Personal Money Management Sites

Web-based financial management tools have grown in sophistication to the point where many people manage their entire financial lives with online tools. Here's a look at five of the most popular personal money management sites.

Photo a mashup of images by Leonardini and Wilton.

Earlier this week we asked you to share your favorite personal money management site; now we're back to highlight the five most popular contenders.

Click on the screenshots below to take a closer look.

Buxfer (Basic: Free, Premium: From $2.79/month)

Many people are hesitant to use online banking services because of security concerns. Buxfer's compromise to provide ease of use while also assuring users and keeping things as controlled as they would like is to offer multiple methods for storing your credentials. You can manually synchronize your financial accounts with the site, you can store your passwords and login credentials locally using Google Gears, Firefox, or Safari, or you can use the Firebux Firefox extension—Firebux helps you automate the process of downloading financial data from your banking institutions and reviewing Buxfer data. If you'd like to skip the hassle of handling your own syncing, Buxfer offers automatic nightly syncing of your financial data, automatically logging into and pulling data from your various online money portals. Buxfer comes in three flavors: Basic (free), Plus ($2.79 per month), and Pro ($3.79 per month). All accounts include features like split bills, automatic tagging, and mobile access, but you'll pay a premium for unlimited budgets, bill reminders, and balance projections. You can try a live demo of Buxfer here.

Yodlee MoneyCenter (Free)

As many readers were quick to point out, Yodlee provides the guts to the user sites for hundreds of banking and financial services. Organizations like Mint, Thrive, and large banks like Chase use rebranded but Yodlee-powered interfaces. Yodlee users will often characterize Yodlee as similar to Mint, but without such a strong emphasis on flashy graphics. Instead it focuses more on analyzing your raw data—transaction descriptions, for example, are easier to search and more detailed. Yodlee can import data from thousands of institutions, help you generate a budget, automate your bill paying, and send out user-defined alerts. If you like the idea of a site like Mint but want more fine-grained control and the ability to manually tweak things when necessary, Yodlee is a solid alternative.

Mint (Free)

Mint has risen to prominence as a major player among web-based financial management tools by putting an extreme emphasis on user-friendliness and automation. The focus on automation is so strong, in fact, they only recently added the ability to add in any sort of manual transactions. By providing Mint with your various logins, you can track all your financial accounts in one place—checking, savings, credit cards, investments—and easily generate budgets and projections based off your data. Mint has won many people over, especially in the younger demographic, by being the first tool they've used to really get a good look at their money and where it's going.

ClearCheckbook (Basic: Free, Premium: $4/month)

ClearCheckbook is a web-based checking account ledger on steroids. You can track your spending, input your daily expenses from the web-interface or from your iPhone, Android, or Palm, and generate a budget with spending limits. Upgrading to a premium account gets you a custom report tool, custom transaction fields, future balance projection, and editing of the auto-suggest feature. Visit ClearCheckbook at the link above to check out the video tours of both the free and premium accounts—available at the bottom of the main page.

Mvelopes ($39.60/quarter)

Mvelopes is a robust web-based financial tool built on the old principle of budgeting with envelopes—each budget category gets an envelope with a set amount of money. Its focus on an old budgeting technique, however, doesn't mean you're stuck with dated tools. Mvelopes automatically pulls transaction data from hundreds of financial institutions, supports automatic bill payment, and helps you generate snapshots of your net worth as you adjust your budget and goals. Mvelopes is notable for being the only contender in the Hive without a free account option, a testament perhaps to how happy people are with the service that it made an appearance in the top five despite the lack of free-as-in-beer option.

Now that you've had a chance to look over the top five contenders for best personal money management sites, it's time to cast a vote for your favorite:

Have a favorite web-based tool that didn't get a nod or want to talk up your favorite a bit more? Let's hear it in the comments. Have an idea for the next Hive Five? Send us an email at tips@lifehacker.com with "Hive Five" in the subject line and we'll do our best to get your idea the attention it deserves.

Send an email to Jason Fitzpatrick, the author of this post, at jason@lifehacker.com.

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