Making Money Online With

As someone who switches between the hats of freelancer and small business owner several times a day, I’m always on the lookout for software that will help me manage things like invoicing and expense management, financial reporting, project management and team discussion.

It’s not hard to find apps that excel at one of these things. What is hard is finding an affordable solution that allows me to manage all of these aspects of my business from one place, making it easier for myself and my team to get the busywork and administrative stuff out of the way and back to the work of creating content.

Paymo is an app that covers time-tracking, invoicing and project management for freelancers and small businesses. It’s challenging incumbents like Freshbooks, with an offering that is not only cheaper but — in many areas — stronger.

Paymo is a bootstrapped startup with an app built by a small team in Romania. Though they’re talented, their country of origin can make it hard to get any real traction in the West. Eastern Europe has started to create some great tech startups of late. Paymo.biz, which isn’t to be confused with Paymo.com, owned by American mobile payments company BOKU, is one of these.

Making you wait until the end of a review as long as this one to find out whether the app is worthwhile or not seems a bit unfair on the reader, so here’s the bottom line on Paymo: this week, I’m transitioning my freelance business and my small agency to run on Paymo, leaving a random collection of tools such as FreshBooks, project management apps and emails that belong in project managers behind. Paymo has everything I need to run freelance and small businesses, and I can see it scaling to medium size with relative ease.

The Dashboard

Paymo’s dashboard provides you with an overview of how time is being spent in your business when you log in for the day. It’s got charts that show the hours worked per day for the last week, as well as statistics and charts on how much business time was spent on work versus, well, nothing — it can tell you this because users set the work days and work hours of each week, making Paymo a good tool for ensuring that employees are spending their time wisely. With Paymo, time tracking is as useful for billing clients as it is for ensuring your team has been working.

Also on the dashboard is a Recent Activity summary, which shows you recent milestones and tasks that have been completed. You can get RSS or iCal feeds for recent activity.

Client Management

Paymo’s client manager is robust enough that most freelancers and smaller businesses won’t require a separate, dedicated CRM platform. When creating a new client, there are fields for a whole range of information for both the company, and your contact at the company, including an area to make notes in. Paymo lets you add a logo for the client for quick identification.

The Clients tab shows you an overview of all of your clients, including how many staff are allocated to them, the number of active projects they are on, and how many completed and archived projects you’ve done for that client.

The view for individual clients shows the contact information as well as all other details and notes for the company as well as the contact details of the individual you designated as the contact there.

You’ll also find financial statistics, such as how many unbilled hours you’ve done for the client, how much money is due from that client and a handy meter at the bottom that shows you how much of the time budget for each of that client’s projects has been used — you can set a number of hours per month per client project and the time you track or enter for the project will fill up the bar. This is a great feature if you have clients on retainer for a set number of hours to prevent you from going over.

There’s a chart for financial statistics, but it seems that I need to populate the system with more information before anything will appear there.

Project Management

The Projects overview is a simple view that lists each active project, their corresponding parent clients, and the used budget meter makes a reappearance. Clicking through to a single project, the first thing you’ll see is the overview tab, which contains data about the amount of time spent on tasks that fall under the project, recent activity, time worked, unbilled hours, and access to settings — such as the hourly rate on that project. From this view you can subscribe to a project specific RSS or iCal feed, and retire or delete the project.

On the Tasks tab, you’re able to set up a variety of task lists, which contain the actual tasks. Tasks can have a description, marked up with Textile, a due date, and related attachments. You can assign each task to a user, and determine whether that task is billable or not in case you include administrative tasks that you don’t normally bill for in project task lists.

You can save task lists as templates, which is fantastic if you work in a field where projects often look the same, at least to begin with. You can comment on tasks and discuss them with other users.

Milestones are an important part of all project management apps, and Paymo doesn’t disappoint. You can add milestones with a due date and a person responsible for ensuring progress towards that milestone, and associate it with a task list. Once the items in that task list are complete, the milestone is deemed reached, but you can manually complete a milestone without a task list.

Paymo’s data storage comes into play on the project level. The second-last tab in the project view is the Files tab, where you can upload and categorize images, documents and other files that are relevant to the project. Any file you upload as an attachment to a task will appear here as well.

Last but certainly not least is the essential Discussion tab. This tab works like a forum, where discussions are sorted by category, though there are none by default. As with most larger text inputs in Paymo, discussion posts can be formatted using Textile. There is unfortunately no way to reference attachments or tasks in discussions yet but the discussion area isn’t weighed down by bloat, which is a problem I commonly have with forum software.

The Timer

Paymo has a browser-based timer that can be launched from within the web app or a bookmarklet, and will appear as a smaller pop-up window easily positioned to the side of whatever you’re working on. It’s a breeze to use: select a project, a task, and hit the Start button. You can optionally include notes about the time spent, which allows you to easily account for every slice of time you spent on a project.

While some time tracking applications only allow you to tie time slices to clients and projects, Paymo has task management features right there in the timer. You can add a new task to a project to start timing right there and then, and mark a task as complete as well. You can’t set up a project from within the timer but once that’s done you can manage everything in it.

Paymo offers a desktop widget for Windows and OS X that simplifies the process of time tracking. While it is great to have the ability to track time from unexpected locations, a widget is more easily accessible and is still there when the Internet goes down. All you need to do after installing the widget is throw an API key into it, which is conveniently provided on the widget download page, and log in to your account. The widget is laid out just like the online time tracker so there’s no confusion.

While I doubt you’d even notice the size of the widget on a computer with a more regularly sized computer, I’m testing this on an 11″ MacBook Air which leaves me wishing there was a thinner option. The widget takes up about a quarter of the dashboard — still manageable, but a way to choose between the default view and a compact view would be fantastic.

While the beauty of tools like Paymo is that you can use a timer to automatically log how much work you’ve done on a project, you can also manually enter time slices into the Timesheet after the fact. If you go out on an in-person call or to a meeting, it’s less practical to use a timer. Or you may have simply forgotten to hit Start but still need to get paid for the past five hours of work.

Time tracking is certainly Paymo’s strongest suit. In the past seven years I’ve searched long and hard for a great way to unobtrusively track time and I’ve always hated the solutions I’ve tested. Paymo does it for me.

Desktop App

In addition to the desktop widget for time tracking, there’s a more fully-featured desktop application available. It’s still in beta, and comes in Windows and, more recently, Mac flavors.

As beta apps, they’re early on and not fully developed, but are an interesting way to see not just how much time you’ve spent, but how you’ve spent it. The app keeps a record of how much time you spent in each app you used for the duration, and allows you to sort them by client and project later.

This is a really cool feature: if you’re tracking time for Client A, but Client B calls you on Skype midway through, you can easily bill the appropriate clients for each slice of time and you won’t lose any billable hours due to not having an accurate account of the interruption.

Invoicing

Paymo’s Invoicing feature set is easy-to-use and robust without the bloat. From the overview, you can view and set the statuses on invoices. These include draft, sent, viewed, paid and void. Paymo makes it easy to export invoice data as CSV so you can set up Excel spreadsheets of your monthly activity and the like.

The invoice creator is a WYSIWYG affair, and draws on your company settings to populate the invoice with some default information, before you come in and set the individual details such as the client and the hours logged in question. You don’t need to draw on your tracked time and can enter fixed figures instead (or in addition). Like most invoicing apps, you can set taxes that are automatically calculated, provide notes, and so on.

One of the great things about Paymo invoicing is the ease with which you can change the currency of an invoice without having to go and edit the client settings separately. For a freelancer or small business owner with a situation comparable to mine — accounts in a range of different countries, paid in a range of different currencies — this small detail saves time.

Most apps don’t have a feature for this, and some that do (like Freshbooks) make it the default for the client in the future instead of just that invoice, which isn’t what I want.

Adding time to an invoice is a breeze. Click on Add From Time Sheet, select a date range — there are commonly used presets, such as the previous month — and barring any need to change details, click Submit. If you’ve set up your clients, projects and company settings properly, and tracked time accurately, creating an invoice is a matter of a few seconds and a few clicks.

You can create a PDF file from that invoice or provide your client with a permalink that shows them the invoice in the browser (with the option to download it as a PDF or print it). The most common route is to use the Send button which will email it from within Paymo.

Paymo has recently introduced a beta “pay online” feature that allows clients to click a Pay Now button on the invoice page they are taken to and pay the invoice then and there through PayPal. Despite the beta label it works like a charm.

Creating recurring invoices is just as easy, and can be done from the Recurring tab of the Invoicing section, or just by ticking the Recurring button in a new invoice. These can even be sent out automatically once configured so you don’t need to worry that you’ve forgotten to invoice and will be gnawing on your fridge, which with any luck has accumulated the flavors of its former contents, for sustenance next month.

Paymo has a section for expenses, which can be easily categorized, assigned to clients, and there’s a section to upload a scan of a receipt. You can mark these as unbilled or invoiced, depending on whether you want to claim a tax deduction or just get the money back from a client.

Next time you are editing a draft invoice or creating a new invoice for that client, there will be a notification on the editor that says there are outstanding expenses. Click one button and they’ll be added to the invoice with the description and amounts filled in.

If you frequently do estimates in your line of work, there’s a feature for that. It works much like the regular invoicing tool.

Reporting

Paymo’s reporting makes it easy to generate custom reports and look over your business activity for any time period, from the current day to all time, which is something I’m fond of as a stats-and-charts junkie. It’s good to be able to see at a glance where most of your money is coming from versus where most of your time is spent, enabling you to make changes that improve efficiency and earnings.

You can get a rough idea of how much income you are looking at for the current month’s unbilled hours with stats on hours worked (sorted by either project or user), and a financial statistics chart that shows dollars billed and received per month, which is handy for seeing at a glance where overdue accounts receivable are.

You can view reports in the browser, and they can be downloaded in PDF or CSV format. I have a feeling that I won’t really be able to put Paymo’s reporting to test until I’ve got more data in the system — at least a month’s worth for any sort of report I’d base a decision on — but the system seems promising.

Team Management

Let’s skip the boring stuff, except for one quick sentence: you can create users easily enough and allow them an appropriate level of access to Paymo. But what sort of team management features does Paymo provide for business owners?

Running a distributed team means that while the working environment for each member is almost always more to their taste than an office with headache-inducing fluorescent lights and no fresh air, it’s harder to keep a boots-on-the-ground eye on how things are going and whether the hours are getting done.

Once you’ve set up a user’s working days and hours and they start tracking time, you can take a look at their user page, which shows the amount of time they spent working in the past week, and has a Performance meter. Obviously time worked isn’t the only measure of performance, but if your employees have been spending fewer hours than they’ve been getting paid for, you’ll want to know — and Paymo makes that easy.

You can view the user’s timesheets to get more details about the way they’ve spent their time, and see meters for every day in your Paymo account’s history that tells you how much of each work day was tracked.

It’s possible to set up ‘non-working days’ on a user-by-user basis, so that taking leave or a sick day doesn’t impact their performance rating. Finally, you can assign projects to users directly from their profile page.

API

Developers who want to build apps that work with Paymo, either for internal apps or for publicly available apps, are in luck. Paymo have an API that’s freely available to all users, with documentation that appears to be up-to-date with Paymo features.

Mobile

If you go out for a meeting once or twice a month, perhaps it’s easier to manually input time spent later on as I mentioned earlier. But if your business is all about making house calls and the like, or you just like to be accurate to the minute, a mobile app is the way to go.

There’s a capable, free Paymo timer available for the iPhone, but there doesn’t seem to be an official Android app yet. There is an unofficial Android app available — it’s great to see that the API is doing its job in ensuring that Paymo is as accessible as possible on a variety of platforms.

Pricing

There are three Paymo plans available. The first is free, and is great for those who just want a time tracker or freelancers with just a few regular clients. It includes three invoices per month, two users, 50MB of storage, unlimited clients and projects and the time tracking features.

The Basic plan at $9.99 per month drops the limit on invoices altogether and boosts the storage limit to 5GB. It’s designed for freelancers who need to send more than three invoices a month, and young startups.

Finally, the premium plan uses a per-user pricing model at $3.99 each, and applies to businesses who need more than two users to access Paymo. It currently supports up to 40 employees. Premium also gives users 15GB of data storage.

Competitors

Paymo has several well-established competitors in the freelance and small business-oriented invoicing and time-tracking arena, like Freshbooks and LessAccounting.

LessAccounting has some fantastic offerings but puts more of its focus on the money. It’s used for tracking expenses, creating and sending invoices, keeping track of accounts receivable and so on. It starts at $30 a month and has add-ons for the assistance of a real bookkeeper with packages for 6 hours of help per quarter ($70) and 7 hours of help per month ($270). The offering is solid but the pricing and the feature set mean that users looking for something like Paymo aren’t likely to find their solution here.

FreshBooks has been in the game longer, and are best known for their invoicing features. The free plan is constricted to unlimited invoices but for only three clients, and their entry-level paid plan is $19.95 and has a 25 client cap — twice as expensive as Paymo’s plan without client or invoice limitations. Their strengths lie in the ability to send an invoice via email that makes it a breeze for the client to pay online through a variety of payment gateways, including PayPal. Using this in practice doesn’t always seem to pan out with the majority of clients (at least in my experience) having specific instructions as to how invoices should be received. The interface looks better than it works — I find it a bit fiddly — and the company’s foray into time tracking and project management has generally produced poor tools.

Paymo is faced with some capable alternatives. But their strengths are clear, Paymo strikes me as the best all-rounder suite for freelancers and small businesses who need a platform for not just money management but project management.

The Bottom Line

I told you at the start: Paymo is the app I’ll be using to run my business starting next week. After searching for an app with a feature wishlist that is pretty much summarized by Paymo’s actual feature list, and an implementation that doesn’t make me hate time-tracking, I’m sold.

If you’re paying a fortune to run two apps like FreshBooks and Basecamp, chances are all the features you need are in Paymo (though if you need the extra power that Basecamp’s specialization in project management provides, you can sync your Paymo account with it).

It has got some rough edges, but I’ve seen the Paymo team’s iterative approach at work and new features are tackled quickly and tested early. Paymo checks my boxes now, but I’m confident that anything I’ll miss won’t be far behind.

With a free account plan that lets you test out the full feature set, there’s no risk in giving Paymo a try. I suggest you head on over and see for yourself.

As someone who switches between the hats of freelancer and small business owner several times a day, I’m always on the lookout for software that will help me manage things like invoicing and expense management, financial reporting, project management and team discussion.

It’s not hard to find apps that excel at one of these things. What is hard is finding an affordable solution that allows me to manage all of these aspects of my business from one place, making it easier for myself and my team to get the busywork and administrative stuff out of the way and back to the work of creating content.

Paymo is an app that covers time-tracking, invoicing and project management for freelancers and small businesses. It’s challenging incumbents like Freshbooks, with an offering that is not only cheaper but — in many areas — stronger.

Paymo is a bootstrapped startup with an app built by a small team in Romania. Though they’re talented, their country of origin can make it hard to get any real traction in the West. Eastern Europe has started to create some great tech startups of late. Paymo.biz, which isn’t to be confused with Paymo.com, owned by American mobile payments company BOKU, is one of these.

Making you wait until the end of a review as long as this one to find out whether the app is worthwhile or not seems a bit unfair on the reader, so here’s the bottom line on Paymo: this week, I’m transitioning my freelance business and my small agency to run on Paymo, leaving a random collection of tools such as FreshBooks, project management apps and emails that belong in project managers behind. Paymo has everything I need to run freelance and small businesses, and I can see it scaling to medium size with relative ease.

The Dashboard

Paymo’s dashboard provides you with an overview of how time is being spent in your business when you log in for the day. It’s got charts that show the hours worked per day for the last week, as well as statistics and charts on how much business time was spent on work versus, well, nothing — it can tell you this because users set the work days and work hours of each week, making Paymo a good tool for ensuring that employees are spending their time wisely. With Paymo, time tracking is as useful for billing clients as it is for ensuring your team has been working.

Also on the dashboard is a Recent Activity summary, which shows you recent milestones and tasks that have been completed. You can get RSS or iCal feeds for recent activity.

Client Management

Paymo’s client manager is robust enough that most freelancers and smaller businesses won’t require a separate, dedicated CRM platform. When creating a new client, there are fields for a whole range of information for both the company, and your contact at the company, including an area to make notes in. Paymo lets you add a logo for the client for quick identification.

The Clients tab shows you an overview of all of your clients, including how many staff are allocated to them, the number of active projects they are on, and how many completed and archived projects you’ve done for that client.

The view for individual clients shows the contact information as well as all other details and notes for the company as well as the contact details of the individual you designated as the contact there.

You’ll also find financial statistics, such as how many unbilled hours you’ve done for the client, how much money is due from that client and a handy meter at the bottom that shows you how much of the time budget for each of that client’s projects has been used — you can set a number of hours per month per client project and the time you track or enter for the project will fill up the bar. This is a great feature if you have clients on retainer for a set number of hours to prevent you from going over.

There’s a chart for financial statistics, but it seems that I need to populate the system with more information before anything will appear there.

Project Management

The Projects overview is a simple view that lists each active project, their corresponding parent clients, and the used budget meter makes a reappearance. Clicking through to a single project, the first thing you’ll see is the overview tab, which contains data about the amount of time spent on tasks that fall under the project, recent activity, time worked, unbilled hours, and access to settings — such as the hourly rate on that project. From this view you can subscribe to a project specific RSS or iCal feed, and retire or delete the project.

On the Tasks tab, you’re able to set up a variety of task lists, which contain the actual tasks. Tasks can have a description, marked up with Textile, a due date, and related attachments. You can assign each task to a user, and determine whether that task is billable or not in case you include administrative tasks that you don’t normally bill for in project task lists.

You can save task lists as templates, which is fantastic if you work in a field where projects often look the same, at least to begin with. You can comment on tasks and discuss them with other users.

Milestones are an important part of all project management apps, and Paymo doesn’t disappoint. You can add milestones with a due date and a person responsible for ensuring progress towards that milestone, and associate it with a task list. Once the items in that task list are complete, the milestone is deemed reached, but you can manually complete a milestone without a task list.

Paymo’s data storage comes into play on the project level. The second-last tab in the project view is the Files tab, where you can upload and categorize images, documents and other files that are relevant to the project. Any file you upload as an attachment to a task will appear here as well.

Last but certainly not least is the essential Discussion tab. This tab works like a forum, where discussions are sorted by category, though there are none by default. As with most larger text inputs in Paymo, discussion posts can be formatted using Textile. There is unfortunately no way to reference attachments or tasks in discussions yet but the discussion area isn’t weighed down by bloat, which is a problem I commonly have with forum software.

The Timer

Paymo has a browser-based timer that can be launched from within the web app or a bookmarklet, and will appear as a smaller pop-up window easily positioned to the side of whatever you’re working on. It’s a breeze to use: select a project, a task, and hit the Start button. You can optionally include notes about the time spent, which allows you to easily account for every slice of time you spent on a project.

While some time tracking applications only allow you to tie time slices to clients and projects, Paymo has task management features right there in the timer. You can add a new task to a project to start timing right there and then, and mark a task as complete as well. You can’t set up a project from within the timer but once that’s done you can manage everything in it.

Paymo offers a desktop widget for Windows and OS X that simplifies the process of time tracking. While it is great to have the ability to track time from unexpected locations, a widget is more easily accessible and is still there when the Internet goes down. All you need to do after installing the widget is throw an API key into it, which is conveniently provided on the widget download page, and log in to your account. The widget is laid out just like the online time tracker so there’s no confusion.

While I doubt you’d even notice the size of the widget on a computer with a more regularly sized computer, I’m testing this on an 11″ MacBook Air which leaves me wishing there was a thinner option. The widget takes up about a quarter of the dashboard — still manageable, but a way to choose between the default view and a compact view would be fantastic.

While the beauty of tools like Paymo is that you can use a timer to automatically log how much work you’ve done on a project, you can also manually enter time slices into the Timesheet after the fact. If you go out on an in-person call or to a meeting, it’s less practical to use a timer. Or you may have simply forgotten to hit Start but still need to get paid for the past five hours of work.

Time tracking is certainly Paymo’s strongest suit. In the past seven years I’ve searched long and hard for a great way to unobtrusively track time and I’ve always hated the solutions I’ve tested. Paymo does it for me.

Desktop App

In addition to the desktop widget for time tracking, there’s a more fully-featured desktop application available. It’s still in beta, and comes in Windows and, more recently, Mac flavors.

As beta apps, they’re early on and not fully developed, but are an interesting way to see not just how much time you’ve spent, but how you’ve spent it. The app keeps a record of how much time you spent in each app you used for the duration, and allows you to sort them by client and project later.

This is a really cool feature: if you’re tracking time for Client A, but Client B calls you on Skype midway through, you can easily bill the appropriate clients for each slice of time and you won’t lose any billable hours due to not having an accurate account of the interruption.

Invoicing

Paymo’s Invoicing feature set is easy-to-use and robust without the bloat. From the overview, you can view and set the statuses on invoices. These include draft, sent, viewed, paid and void. Paymo makes it easy to export invoice data as CSV so you can set up Excel spreadsheets of your monthly activity and the like.

The invoice creator is a WYSIWYG affair, and draws on your company settings to populate the invoice with some default information, before you come in and set the individual details such as the client and the hours logged in question. You don’t need to draw on your tracked time and can enter fixed figures instead (or in addition). Like most invoicing apps, you can set taxes that are automatically calculated, provide notes, and so on.

One of the great things about Paymo invoicing is the ease with which you can change the currency of an invoice without having to go and edit the client settings separately. For a freelancer or small business owner with a situation comparable to mine — accounts in a range of different countries, paid in a range of different currencies — this small detail saves time.

Most apps don’t have a feature for this, and some that do (like Freshbooks) make it the default for the client in the future instead of just that invoice, which isn’t what I want.

Adding time to an invoice is a breeze. Click on Add From Time Sheet, select a date range — there are commonly used presets, such as the previous month — and barring any need to change details, click Submit. If you’ve set up your clients, projects and company settings properly, and tracked time accurately, creating an invoice is a matter of a few seconds and a few clicks.

You can create a PDF file from that invoice or provide your client with a permalink that shows them the invoice in the browser (with the option to download it as a PDF or print it). The most common route is to use the Send button which will email it from within Paymo.

Paymo has recently introduced a beta “pay online” feature that allows clients to click a Pay Now button on the invoice page they are taken to and pay the invoice then and there through PayPal. Despite the beta label it works like a charm.

Creating recurring invoices is just as easy, and can be done from the Recurring tab of the Invoicing section, or just by ticking the Recurring button in a new invoice. These can even be sent out automatically once configured so you don’t need to worry that you’ve forgotten to invoice and will be gnawing on your fridge, which with any luck has accumulated the flavors of its former contents, for sustenance next month.

Paymo has a section for expenses, which can be easily categorized, assigned to clients, and there’s a section to upload a scan of a receipt. You can mark these as unbilled or invoiced, depending on whether you want to claim a tax deduction or just get the money back from a client.

Next time you are editing a draft invoice or creating a new invoice for that client, there will be a notification on the editor that says there are outstanding expenses. Click one button and they’ll be added to the invoice with the description and amounts filled in.

If you frequently do estimates in your line of work, there’s a feature for that. It works much like the regular invoicing tool.

Reporting

Paymo’s reporting makes it easy to generate custom reports and look over your business activity for any time period, from the current day to all time, which is something I’m fond of as a stats-and-charts junkie. It’s good to be able to see at a glance where most of your money is coming from versus where most of your time is spent, enabling you to make changes that improve efficiency and earnings.

You can get a rough idea of how much income you are looking at for the current month’s unbilled hours with stats on hours worked (sorted by either project or user), and a financial statistics chart that shows dollars billed and received per month, which is handy for seeing at a glance where overdue accounts receivable are.

You can view reports in the browser, and they can be downloaded in PDF or CSV format. I have a feeling that I won’t really be able to put Paymo’s reporting to test until I’ve got more data in the system — at least a month’s worth for any sort of report I’d base a decision on — but the system seems promising.

Team Management

Let’s skip the boring stuff, except for one quick sentence: you can create users easily enough and allow them an appropriate level of access to Paymo. But what sort of team management features does Paymo provide for business owners?

Running a distributed team means that while the working environment for each member is almost always more to their taste than an office with headache-inducing fluorescent lights and no fresh air, it’s harder to keep a boots-on-the-ground eye on how things are going and whether the hours are getting done.

Once you’ve set up a user’s working days and hours and they start tracking time, you can take a look at their user page, which shows the amount of time they spent working in the past week, and has a Performance meter. Obviously time worked isn’t the only measure of performance, but if your employees have been spending fewer hours than they’ve been getting paid for, you’ll want to know — and Paymo makes that easy.

You can view the user’s timesheets to get more details about the way they’ve spent their time, and see meters for every day in your Paymo account’s history that tells you how much of each work day was tracked.

It’s possible to set up ‘non-working days’ on a user-by-user basis, so that taking leave or a sick day doesn’t impact their performance rating. Finally, you can assign projects to users directly from their profile page.

API

Developers who want to build apps that work with Paymo, either for internal apps or for publicly available apps, are in luck. Paymo have an API that’s freely available to all users, with documentation that appears to be up-to-date with Paymo features.

Mobile

If you go out for a meeting once or twice a month, perhaps it’s easier to manually input time spent later on as I mentioned earlier. But if your business is all about making house calls and the like, or you just like to be accurate to the minute, a mobile app is the way to go.

There’s a capable, free Paymo timer available for the iPhone, but there doesn’t seem to be an official Android app yet. There is an unofficial Android app available — it’s great to see that the API is doing its job in ensuring that Paymo is as accessible as possible on a variety of platforms.

Pricing

There are three Paymo plans available. The first is free, and is great for those who just want a time tracker or freelancers with just a few regular clients. It includes three invoices per month, two users, 50MB of storage, unlimited clients and projects and the time tracking features.

The Basic plan at $9.99 per month drops the limit on invoices altogether and boosts the storage limit to 5GB. It’s designed for freelancers who need to send more than three invoices a month, and young startups.

Finally, the premium plan uses a per-user pricing model at $3.99 each, and applies to businesses who need more than two users to access Paymo. It currently supports up to 40 employees. Premium also gives users 15GB of data storage.

Competitors

Paymo has several well-established competitors in the freelance and small business-oriented invoicing and time-tracking arena, like Freshbooks and LessAccounting.

LessAccounting has some fantastic offerings but puts more of its focus on the money. It’s used for tracking expenses, creating and sending invoices, keeping track of accounts receivable and so on. It starts at $30 a month and has add-ons for the assistance of a real bookkeeper with packages for 6 hours of help per quarter ($70) and 7 hours of help per month ($270). The offering is solid but the pricing and the feature set mean that users looking for something like Paymo aren’t likely to find their solution here.

FreshBooks has been in the game longer, and are best known for their invoicing features. The free plan is constricted to unlimited invoices but for only three clients, and their entry-level paid plan is $19.95 and has a 25 client cap — twice as expensive as Paymo’s plan without client or invoice limitations. Their strengths lie in the ability to send an invoice via email that makes it a breeze for the client to pay online through a variety of payment gateways, including PayPal. Using this in practice doesn’t always seem to pan out with the majority of clients (at least in my experience) having specific instructions as to how invoices should be received. The interface looks better than it works — I find it a bit fiddly — and the company’s foray into time tracking and project management has generally produced poor tools.

Paymo is faced with some capable alternatives. But their strengths are clear, Paymo strikes me as the best all-rounder suite for freelancers and small businesses who need a platform for not just money management but project management.

The Bottom Line

I told you at the start: Paymo is the app I’ll be using to run my business starting next week. After searching for an app with a feature wishlist that is pretty much summarized by Paymo’s actual feature list, and an implementation that doesn’t make me hate time-tracking, I’m sold.

If you’re paying a fortune to run two apps like FreshBooks and Basecamp, chances are all the features you need are in Paymo (though if you need the extra power that Basecamp’s specialization in project management provides, you can sync your Paymo account with it).

It has got some rough edges, but I’ve seen the Paymo team’s iterative approach at work and new features are tackled quickly and tested early. Paymo checks my boxes now, but I’m confident that anything I’ll miss won’t be far behind.

With a free account plan that lets you test out the full feature set, there’s no risk in giving Paymo a try. I suggest you head on over and see for yourself.

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House panel approves broadened ISP snooping bill <b>...</b> - CNET <b>News</b>.com

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By a 19 to 10 vote, a House committee votes to require Internet service providers to keep track of what their users are doing for one year in case it would be useful for future police investigations.

House panel approves broadened ISP snooping bill <b>...</b> - CNET <b>News</b>.com

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By a 19 to 10 vote, a House committee votes to require Internet service providers to keep track of what their users are doing for one year in case it would be useful for future police investigations.

House panel approves broadened ISP snooping bill <b>...</b> - CNET <b>News</b>.com

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By a 19 to 10 vote, a House committee votes to require Internet service providers to keep track of what their users are doing for one year in case it would be useful for future police investigations.

House panel approves broadened ISP snooping bill <b>...</b> - CNET <b>News</b>.com

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President Obama's job approval rating has dropped to a new low of 40 percent, according to the Gallup daily tracking poll. The White House has worked double-time to get Americans to agree with their assertion that ...

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House panel approves broadened ISP snooping bill <b>...</b> - CNET <b>News</b>.com

By a 19 to 10 vote, a House committee votes to require Internet service providers to keep track of what their users are doing for one year in case it would be useful for future police investigations.

House panel approves broadened ISP snooping bill <b>...</b> - CNET <b>News</b>.com

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President Obama's job approval rating has dropped to a new low of 40 percent, according to the Gallup daily tracking poll. The White House has worked double-time to get Americans to agree with their assertion that ...

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Before joining Bloomberg, Gaughan spent 12 years at Fox news Channel, serving in a number of roles including director of domestic news. It was at FNC where Gaughan first worked with David Rhodes, who was at the time the ...

Tim Gaughan Leaving Bloomberg for CBS <b>News</b> - TVNewser

House panel approves broadened ISP snooping bill <b>...</b> - CNET <b>News</b>.com

By a 19 to 10 vote, a House committee votes to require Internet service providers to keep track of what their users are doing for one year in case it would be useful for future police investigations.

House panel approves broadened ISP snooping bill <b>...</b> - CNET <b>News</b>.com

President Obama&#39;s Approval Hits All-Time Low - FoxNews.com

President Obama's job approval rating has dropped to a new low of 40 percent, according to the Gallup daily tracking poll. The White House has worked double-time to get Americans to agree with their assertion that ...

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Tim Gaughan Leaving Bloomberg for CBS <b>News</b> - TVNewser

House panel approves broadened ISP snooping bill <b>...</b> - CNET <b>News</b>.com

By a 19 to 10 vote, a House committee votes to require Internet service providers to keep track of what their users are doing for one year in case it would be useful for future police investigations.

House panel approves broadened ISP snooping bill <b>...</b> - CNET <b>News</b>.com

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President Obama's job approval rating has dropped to a new low of 40 percent, according to the Gallup daily tracking poll. The White House has worked double-time to get Americans to agree with their assertion that ...

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House panel approves broadened ISP snooping bill <b>...</b> - CNET <b>News</b>.com

President Obama&#39;s Approval Hits All-Time Low - FoxNews.com

President Obama's job approval rating has dropped to a new low of 40 percent, according to the Gallup daily tracking poll. The White House has worked double-time to get Americans to agree with their assertion that ...

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Tim Gaughan Leaving Bloomberg for CBS <b>News</b> - TVNewser

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House panel approves broadened ISP snooping bill <b>...</b> - CNET <b>News</b>.com

President Obama&#39;s Approval Hits All-Time Low - FoxNews.com

President Obama's job approval rating has dropped to a new low of 40 percent, according to the Gallup daily tracking poll. The White House has worked double-time to get Americans to agree with their assertion that ...

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How A Payday Loan Can Help You Financially

Have you attempted applying to get a faxless payday loansat a bank and had no collateral, assets or good credit score? In the event you said yes you most likely keep in mind the sting of rejection that arrived from not getting the kind of lending contract that you required. Borrowing an amount of cash, of any dimension, is tougher now than it was just two many years in the past and for individuals who require additional cash to pay for unexpected expenses, health-related costs or individual needs getting a Payday Loan will be the very best option.

How to Use For Payday Loans

If you want to use to get a Uk Payday Mortgage or payday lending anyplace else within the world you will be asked to present the next products. 1. Proof of income - At least six months of consistent employment. 2. Evidence of age - You must be 18 many years aged or older. 3. Proof of bank account - This is needed because you must create a examine to be offered the mortgage.

The typical payday contract costs a high APR (Yearly Percentage Rate) that will range from .00 to .00 depending on just how much cash you borrow. The APR that payday lending companies charge has gotten a lot of flak recently and also the damaging suggestions isn't always according to honesty. The high APR that payday lending businesses charge is high because the term of the loan is short (generally 2-4 weeks). The APR can also be greater than on other lending contracts due to the comfort of the brief term loan.

How you can Conserve Cash On Payday Loans

You can conserve cash on instant payday loanby choosing a local Payday Loan Lender more than an on-line lender. But in the event you reside inside a state exactly where borrowing in opposition to your paycheck is outlawed you've to select an online business. When you have your Payday Money Mortgage approved, set priority to pay the mortgage off within 30 days simply because the lengthier you drag out the agreement, the more cash you will pay in finance costs to the lender.

New Employ Criminal Track record Check

An employment background check is now generally carried out not just to potential workers but to current employees for promotion also. It is generally carried out to validate info found on an employee's resume or application form. It's also carried out to determine the very best suited potential worker amongst the candidates. Also with what has happened on September 11, 2011, employers are now very worried using the type of employees they employ.

A track record investigation consists of criminal, arrest, imprisonment, and sex offender documents. This is a kind of examine exactly where state records are examined to investigate if a potential employee or current employee continues to be convicted or charged with any crime in opposition to the state.

Citizenship, immigration and legal operating standing checks are also carried out because American businesses are barred from hiring unlawful workers by the Division of Homeland Security and its Immigrations and Customs Enforcement Division.

Litigation records will also be checked. Workers who frequently file discrimination cases might be recognized as being a risk to a business therefore employers resort to litigation checks. Also, those businesses who do business using the authorities do not wish to hire whistleblowers who file qui tam fits.

Driving and vehicle data will also be part with the background examine, particularly whenever a possible employee is applying for a driver place. Employers look for employees who have clean driving records or those who have no data of vehicular accidents or traffic tickets.

Drug check records will also be becoming checked. An employer would not wish to utilize drug addicts in his company because of corporate ethics, worker efficiency will be affected and increase of workers' compensation premiums.

Education data will also be part with the background check investigation. This really is carried out to confirm educational attainment with the possible worker and occasionally to check if applicant has had misdemeanor data in class.

Prior employment records might also be checked particularly if the applicant will fill a sensitive position in the business. This is generally done verbally.

Financial information can also be checked particularly in the event the position being filled demands someone to deal with huge quantity of cash.

For experts, licensing records are checked for grievances, disciplinary actions and investigations.

Health-related, psychological and physiological files will also be checked simply because a possible employee might not be match to function for health factors. A created consent from the applicant must be procured prior to heading through the entire procedure.

Social safety quantity check is also done because identification theft is fairly rampant. A previous life may be concealed or an applicant may not have fulfilled the citizenship necessity may be verified through the social security number.

Even though most the over data are public data and may be procured from different government companies in the United states of America, it is still extremely inconvenient for employers to complete background check on its possible workers as well as current employees. There are numerous personal investigators who offer the service. Also, you will find third party providers who also offer exactly the same kind of service. You will find also available on-line information banks which may provide the necessary info about people. What they do is they buy U.S. public records and provide them online for a fee.

Obtain a Car Insurance Comparison For The best Prices

Did you realize that where you park your car at night effects how much you are paying for automobile insurance each and every month? Most insurers won't tell you this when they're signing you up for their coverage and this is why you are having to pay much more cash for auto insurance coverage compared to subsequent individual that you know.

How You are able to Save Cash On Car insurance

If you want to conserve cash in your current automotive insurance coverage strategy or discover cheap car insurance you need to consider applying 1 or all the tips in this write-up to your insurance coverage coverage. one. Maintain a great credit score rating. two. Always ask your insurer for discounts (example: good student low cost or good driver discount). 3. Protect your car with the alarm or a safety device. four. Keep your automobile in good situation. 5. Pay a greater deductible every year. These actions can all conserve you hundreds of bucks per yr and simplify your existence.

How Your Car Effects That which you Pay Each and every Month

For many individuals if they have a quick, high profile automobile it's their child plus they would by no means investing it in for something much more inexpensive and decrease profile but if you are on the budget and trying to conserve cash every month you need to give promoting or trading in your automobile some believed simply because selecting a various automobile may be the difference among saving or investing a few hundred or much more for each year in online car insurance.

One of the things that you should by no means do is consider driving without insuring your car simply because the implications of driving with out it are far higher than having to pay for an insurance policy in your vehicle each and every month. Besides the severe financial issues resulting from an incident including bankruptcy in the very least you can encounter tickets, fines, impounding of one's car or much more if you generate with out it. That is why it is usually much better to have insurance in your car or start strolling more till you can manage it.

Eliminate Credit rating Card Debt Fast

Much more and more lenders, employers, landlords and insurance coverage businesses are checking your FICO score as part of their procedure of approving your mortgage, landing a job, getting your own house to reside, or good rates given for any type of insurance coverage which you might have utilized for. To achieve all of these issues that you are dreaming of accomplishing building a great credit score online history is the initial factor which you have to do if in case you acquired one having a bad background.

Credit scores begin from the low 300 towards the cream with the crop 850. A regular customer includes a credit score assortment of 600 to 700 but some might have much more than this. A FICO score is the foundation of most lenders and credit bureaus of computing your creditworthiness. A great credit score score falls on an typical of 720 and above. Exactly where does one obtain the info on their respective credit scores? By legislation this really is given for free once a yr coming in the three major credit score bureaus: Equifax, Experian and TransUnion. Your scores and credit score background shows your current and closed accounts also as your payment history.

Lenders do generally take a look in your free credit score background because the foundation on whether they'll grant your mortgage at a good rate of interest or deny this completely. If correct now you are intrigued on applying to get a mortgage that necessitates a high credit score score then it would be best to apply for FICO score monitoring which generally provides you an update in your scores on the weekly basis. Subscribing to this online support alerts you when you have attain your high score objective so long as you setup a threshold for it. Some would go as far as sending you an sms to inform you when your scores have change for your much better or for the worst.

To help you develop a much better credit score score and background here are some simple recommendations to follow:

Request a copy of one's credit history as required if not wait for it once a year but do monitor your history for just about any errors. In the event you see discrepancies then you can dispute them by going through your reviews thoroughly.

Pay your bills on time. Add some more around the minimal amount which you usually pay because this would cause your credit score to rise and could be obvious for many loan companies that you are a good borrower simply because you pay on time and is also sincere in settling your bills.Avoid maxing out on your credit score limit. This may surely trigger your credit scores to drop that fast. Cancel credit score cards which you aren't using or don't need and spend on time for your bank card bills.

Hoodia - The Incredible Pure Weight reduction Method

The way in which hoodia works is very easy. Following consumption, the energetic molecule in Hoodia-P57-acts as a organic blood sugar stabilizer, which in turn prevents the insulin spike that triggers starvation. The outcome is an extended feeling fullness, normally for up to six hours after consuming, and the elimination of the urge to snack in between meals. That is why they are mentioned to become amongst the prime diet plan pills that give good results.

What this indicates is always that men and women who consume significantly less on a every day basis, typically resulting in weight reduction. For example, in a 2006 research performed by Phytopharm pharmaceutical company-the major researcher of Hoodia diet plan supplements-obese topics who consumed Hoodia ate 1000 calories less daily, and 7000 energy less per week, than subjects denied Hoodia.

Contemplating that it can take a deficit of 3000 calories to shed one pound of body bodyweight, this might simply translate to a loss of two pounds per week, and a loss at least10 lbs per month. For this cause, the weight reduction business is now harvesting and production Hoodia Gordonni as being a diet supplement. Hoodia diet drugs are readily readily available on-line and in health meals shops everywhere.

Diet plan supplements that work are quite tough to come by, especially on the internet. So if you aren't comfy with buying them on the web, then we recommend browsing your neighborhood supplement retailer in city to view if they've any of what you are looking for. Chain well being meals shops like GNC, Wholefoods, etc. are incredibly excellent about carrying diet plan pills that work like hoodia gordonii.

I Need a Hemorrhoid Remedy: What exactly are My Options?

Hemorrhoid relief may be brought on by a number of issues, however hemorrhoid treatment is frequently not difficult. No two people have the same issue so treatments will differ from person to person. Dietary modifications may resolve the problem with out intervention although not always. Some cases may entail just treating the signs and symptoms, other people will entail non-surgical techniques whilst serious cases may actually require surgery.

The very best program of therapy can only be established after consultation having a medical professional. Yet, do not hesitate to attempt house remedies initial because they might rectify the situation. Home treatments are often useful in hemorrhoid therapy. The first factor to keep in mind is that irritation can aggravate your hemorrhoids. Steer clear of this by utilizing moistened wipes rather than toilet paper or rinse off within the shower as an alternative. To help with discomfort and itching, take a bath in warm h2o. The h2o only needs to cover the anal region, just be sure to soak to get a minimal of fifteen minutes.

Do not sit or stand for as well long when struggling with this condition and, if in any way feasible, sleep in your abdomen to steer clear of further irritation. More than the counter treatments may also offer relief so don't hesitate to use them. Just be sure to read about any feasible unwanted side effects so you can understand what to appear for.Fixative methods are used as a non-surgical technique of hemorrhoid therapy.

Methods include rubber band ligation and coagulation treatment. Rubber band ligation entails tying a rubber band about the hemorrhoids. Coagulation therapy entails using laser, warmth or electrical current to produce scar tissue. With either technique. the objective would be to reduce blood flow to the hemorrhoid so it will shrink or vanish. Scar tissue which results from fixative procedures assists support anal tissue while stopping new hemorrhoids from happening.

Surgery is usually the last resort in hemorrhoid treatment.

This surgical process is known as a hemorrhoidectomy. This type of procedure generally has better outcomes than fixative procedures however requires longer recovery time and might outcome in problems. Also, the price of this surgical treatment is extremely substantial which might allow it to be more prohibitive. Fixative methods are usually preferred with older individuals because of these risks.

As usually, prevention will be the greatest method of hemorrhoid therapy. Dietary changes can frequently help with this. Avoid sitting or standing for lengthy periods of time and consider care when lifting large objects. Don't wait to have a bowel movement and steer clear of straining while performing so. All of this will assist to stop hemorrhoids, just know help is available if required.

What You should Know about Genital Warts Treatment

People around the globe have been struggling with sexually transmitted infections, which can be either bacterial or viral in nature. treatment for genital warts really are a common sexually transmitted infection which is caused through the human papilloma virus (HPV). These are little growths of flesh about the genital region, and are skilled by men as well as women. These warts can differ in colour, mostly around the foundation with the individual skin tone. Males and women of any age can experience genital warts, but are most commonly seen in those who are among 17 to 33 years old. The probabilities are substantial that an contaminated individual can transfer the infection to their companion via unprotected sexual contact. So it's important which you seek therapy for genital warts if you are infected.

What medications are available for treating genital warts?

Genital warts can be handled using the help of either surgery or prescription medications which are accessible on the market. Probably the most well-liked prescription medications utilized are Aldara, Condyline and Warticon cream. Aldara is available in the form of cream, which consists of imiquimod as its active ingredient. With the assist of this energetic ingredient, it operates by binding with the immune cells and stopping the multiplication of the viral cells. If utilized properly, this genital warts relief can treat the symptoms within a span of just 16 weeks. It's known to reduce the pain and discomfort that is related with genital warts. You're required to use Aldara cream thrice on a weekly basis. You need to use the cream in a skinny layer on the contaminated region and rub till the cream is no lengthier visible.

What is Condyline?

Condyline is really a podophyllotoxin solution that continues to be proven to be quite an effective therapy for genital warts. The energetic ingredient podophyllotoxin is acquired through the podophyllum plant, and was the very first medication to become authorized for the treatment of genital warts. This treatment has been proven to be secure and efficient for grown ups and elderly people who are infected with genital warts, but is not suitable for kids. This therapy ought to not be used by women who're pregnant or breastfeeding. The Condyline gel is available in the dosage power of 3.5 ml, which would be to be straight utilized towards the warts. On applying the gel, it operates in the direction of decreasing the discomfort caused by genital warts and stopping the multiplication of the wart cells.

What is Warticon?

Warticon is a edition with the Condyline gel, other than that it is accessible within the form of cream. This therapy consists of podophyllotoxin as its active ingredient as well. Using the assist of this ingredient, the cream penetrates the wart cells and inhibits their replication and multiplication by focusing on the nucleus. Once this function with the wart cells will get inhibited, they ultimately die and are progressively replaced by healthy cells. You should apply the Warticon cream around the warts twice on the every day foundation, for 3 consecutive days. It is important which you wash your hands in addition to the infected area with soap and h2o prior to applying the medicine. The cream should be utilized in a thin coat and be rubbed until the cream is invisible.

3874211

After you take into account advertising your small business on golf courses, you will discover various points to be deemed prior to getting signs. The very first purpose is quality in the signs. Make sure that the signs that display your brand are made employing supplies that will withstand the toughest of environments and do not need considerably upkeep.

Go to get a wide choice of materials - aluminum, bronze, granite, redwood, sandstone Kingstone or Rinowood to find the sign that suits for your business requirement. You will find some respected firms that give great turnaround time that would assure your satisfaction from their service. A reputable firm that provides superior service is Bench Craft Company. It is possible to get in touch with such an marketing firm immediately and get a quote. You would like your signs to search appealing and elegant.

Golf cart is an additional helpful way of reaching golfers. You are going to have your ads in direct sight with the golfers when they ride the cart. An typical round of golf lasts for five hrs, which signifies lots of time to receive enough impression. Billboards would be the principal marketing items on golf courses. It has double sides, which assists in displaying advertisements on both sides. It can be set up amid the support poles around the front or rear side of the cart. The ideal size for billboards is 4x36 inches and, it may vary in line with the course. And, you are able to remain assured that it may deliver you 300 to 400 impressions inside a round.

A pin seeker banner is a different successful way of branding on the golf course. As well as the vital information regarding the course, you can also display your brand or logo on pin seeker banners. This is installed amid the support poles around the front and rear side of your golf cart. They also have an ideal size of 4x36 inches, which can retain varying as outlined by the course. Comparable for the billboards, they're able to also enable your messages get as a lot of as 300 impressions inside a round.

The GPS on the golf cart also can be applied as being a excellent marketing medium. The important distance data is often checked by golfers, and also you can get your advertisements displayed beside the show. The GPS units are primarily set up on the dashboard or on the windshield. And, the benefit of marketing on digital technology is the fact that it is possible to update your advertisements whenever you wish.
Advertising firms like Bench Craft Company supply thorough sponsorship and marketing options that allow your brand to attain matchless exposure for the high-end golf players and audience. Utilizing the substantial advertising options, you can get your brand messages displayed on golf courses for prolonged intervals of time.

The advantage of marketing on golf courses is that it offers you a lot more than 90% reach to golfers and audience, and there is certainly no other medium that provides a lot accomplishment rate. Considering that your brand gets an extended period of exposure, golfers could be capable to view your advertisements from 1 to six hrs on the basis in the placement. And, this indicates that you acquire good recognition for the brand as golfers will link it with enjoyment. And, whenever you are working with professional marketing firms, you may remain assured that there's no cluttering as each and every placement will carry separate brands.
Another powerful advertising medium is the golfer’s bag. Golfers drive across the course with their bags or they just leave it with the bag drop, nevertheless it can constantly obtain a minimum of 30 impressions within a round.

One more marketing medium to attain a wide spectrum of golfers is as a result of driving ranges. The common session can final from 30 to 45 minutes, and also you can get unique impressions for the brands and solutions.

Driving variety displays enable you to attain golfers of various ranges. You receive best logo positioning in certain hitting bay. Marketing firms designs driving ranges, customized to suit the present variety configuration of each course. This includes pop-out banners, A-frames and material for mesh banner.

Skilled advertising firms make sure extensive flexibility so as to make positive that your online business gets linked together with your audience in a manner it makes sense.

The majority of the reputable golf course marketing firms permit you to pick inventory with the golf course or for golf events. And, considering that the campaigns is often customized, they are going to usually match into for your spending budget. The length of the advertising campaign can assortment over golf seasons or more than months.

And, all the functions of the campaign are facilitated by the marketing firm. This consists of layout, placement, reporting and upkeep. And, the approval from the golf course, for the inventive material, can also be the responsibility of your marketing firm. Should you be enthusiastic about exploring golf course advertising to promote your company, then you definitely must absolutely check out http://benchcraftcompany.net

Making Easy Money

The rich are getting richer during this economic crisis and in the UK, they've already made it much easier for the rich-but-dumb crowd to buy their way into universities. Now, the Tories have made money an even stronger component in the decision making process. Besides being more easy money for the bankers, anyone with a loan for university also gets easy access. (Unlike the US, university in the UK used to be reasonably priced and easy to afford without a bank loan. The Tory austerity plan blew up that old pricing model.)

So come to England where if you had wads of cash or if you want to help your local banker, you too can get ahead. Oh what a fair system brought to you by the blue bloods. How can anyone argue that this is not more class warfare from the haves?

Universities UK, which represents universities, has been consulted. Its president, Sir Steve Smith, who is vice-chancellor of Exeter University, said the proposal to allow banks to exploit the student market carried huge risks and could create a two-tier education system.

He said the Department for Business Innovation and Skills had proposed that students taking private loans would be counted outside the allotment of places each university is given by the government, making them attractive to colleges aiming to increase their cash flow.

Smith said the consequent risk of a two-tier higher education system had "nasty" implications. "They [the government] have talked to us about that, but the trouble is that it has the obvious objection that it looks awfully like those people buying their way in."

The college rules are not fair. Universities are bringing in massive amounts of revenue thanks to the talent of football and basketball players. The fans will pay to go see them, they will buy the players' jerseys or school apparel, they will pay to park and pay to eat in the school cafeteria.

All the while, the players don't see a penny of that money.

I am a college kid. My parents pay a lot of money for me to put my school's name on my resume, hoping it will mean something to my future boss. They pay a lot for me to eat sub-par food (my school eating facilities committed many health violations including having rat feces beside the storage of food and a grasshopper in a student's sandwiches, the list goes on) and live in a 17x20 foot room with two other kids.

Every college student worries about money. My school's campus is located in an area known as Little Italy so once or twice a month my friends and I go to a cheap restaurant to get a break from the cafeteria. We ask for the bread provided to the table to be wrapped up because our cafeteria only provides bread sticks.

To be honest, if people were willing to pay a lot of money for my stuff, I'd do it in a heartbeat. We're immature college kids, I'd love money to take that girl on a date or buy that expensive bottle of vodka I had last week (I don't condone underage drinking, but it happens pretty often in college believe it or not).

Just look at the ESPN documentary Fab Five. The school provided nothing to them, but reaped the benefits. And then Chris Webber gets in trouble for trying to get money. I'd love to be given a car. Asking any college kid to turn that down is stupid. The people providing these things to college kids should be punished not the student.

I sympathize with these kids who are criticised for breaking the rules that don't favor them (rules are rules but come on).

The actions of the North Carolina football players are asinine. The recent report that 12 players accumulated $13,000 in parking tickets is jaw-dropping. My college does not have a good football team.

Most of them are still cocky and mostly just hang out amongst themselves, and you could tell most are not the smartest kids you'll ever meet. But it is up to the coach to keep these kids on the right track. Parking tickets are easy to avoid, just park in the right spots.

The North Carolina kids showed a disrespect to the law by parking in fire lanes and handicapped spots. The coach didn't know about this?

These kids need to be taught discipline. Adding on to this situation was the group of players (most of whom still got drafted into the NFL) who got suspended this season. If it was up to Butch Davis, do you think they would have been suspended?

Probably not because it hurts the team. The kids show a disrespect to the law for parking tickets, just imagine what will happen when they are actually getting paid for real. The crimes could escalate and this is not what college football is all about.

I get it that Terrelle Pryor broke the rules, but making an extra buck and showing a disregard to the law are much different.

Butch Davis should take the brunt of the criticism. Letting his players get out of control is unacceptable for a man who is supposed to be a positive influence in their lives. This was over a three and a half year period so it wasn't just this year when a group got suspended.

If coaches lose their jobs for being ignorant to players getting money, then being ignorant to players breaking petty rules should be a red flag for any program. I hope North Carolina puts pressure on Butch Davis to resign, just like Jim Tressel was pressured to do by Ohio State.

Say whatever you want, Davis deserves it more than Tressel.

Comment, argue, let me know what you think. Thanks for the read

<b>News</b> of the World Hacked Cops Investigating <b>News</b> of the World Hacking

We already know that the News of the World hacked the phones of virtually everyone in England, including dead people and the prime minister and, probably, you. But with the latest revelation, the scandal has actually ...

<b>News</b> of the World Hacked Cops Investigating <b>News</b> of the World Hacking

Jon Stewart Tackles the <b>News</b> of the World Scandal

But before Stewart could expound on his point, correspondent John Oliver presented him with a recap of Rupert Murdoch's News of the World scandal--a friendly reminder that the British will always find a way to out-shame ...

Jon Stewart Tackles the <b>News</b> of the World Scandal

<b>News</b> Corp Launches $5B Stock Buyback – Deadline.com

This could provide some pop for News Corp shares, which have declined more than 12% over the last five days as the News Of The World phone-hacking scandal mushroomed. The company says this morning that its board of ...

<b>News</b> Corp Launches $5B Stock Buyback – Deadline.com

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<b>News</b> of the World Hacked Cops Investigating <b>News</b> of the World Hacking

We already know that the News of the World hacked the phones of virtually everyone in England, including dead people and the prime minister and, probably, you. But with the latest revelation, the scandal has actually ...

<b>News</b> of the World Hacked Cops Investigating <b>News</b> of the World Hacking

Jon Stewart Tackles the <b>News</b> of the World Scandal

But before Stewart could expound on his point, correspondent John Oliver presented him with a recap of Rupert Murdoch's News of the World scandal--a friendly reminder that the British will always find a way to out-shame ...

Jon Stewart Tackles the <b>News</b> of the World Scandal

<b>News</b> Corp Launches $5B Stock Buyback – Deadline.com

This could provide some pop for News Corp shares, which have declined more than 12% over the last five days as the News Of The World phone-hacking scandal mushroomed. The company says this morning that its board of ...

<b>News</b> Corp Launches $5B Stock Buyback – Deadline.com

The rich are getting richer during this economic crisis and in the UK, they've already made it much easier for the rich-but-dumb crowd to buy their way into universities. Now, the Tories have made money an even stronger component in the decision making process. Besides being more easy money for the bankers, anyone with a loan for university also gets easy access. (Unlike the US, university in the UK used to be reasonably priced and easy to afford without a bank loan. The Tory austerity plan blew up that old pricing model.)

So come to England where if you had wads of cash or if you want to help your local banker, you too can get ahead. Oh what a fair system brought to you by the blue bloods. How can anyone argue that this is not more class warfare from the haves?

Universities UK, which represents universities, has been consulted. Its president, Sir Steve Smith, who is vice-chancellor of Exeter University, said the proposal to allow banks to exploit the student market carried huge risks and could create a two-tier education system.

He said the Department for Business Innovation and Skills had proposed that students taking private loans would be counted outside the allotment of places each university is given by the government, making them attractive to colleges aiming to increase their cash flow.

Smith said the consequent risk of a two-tier higher education system had "nasty" implications. "They [the government] have talked to us about that, but the trouble is that it has the obvious objection that it looks awfully like those people buying their way in."

The college rules are not fair. Universities are bringing in massive amounts of revenue thanks to the talent of football and basketball players. The fans will pay to go see them, they will buy the players' jerseys or school apparel, they will pay to park and pay to eat in the school cafeteria.

All the while, the players don't see a penny of that money.

I am a college kid. My parents pay a lot of money for me to put my school's name on my resume, hoping it will mean something to my future boss. They pay a lot for me to eat sub-par food (my school eating facilities committed many health violations including having rat feces beside the storage of food and a grasshopper in a student's sandwiches, the list goes on) and live in a 17x20 foot room with two other kids.

Every college student worries about money. My school's campus is located in an area known as Little Italy so once or twice a month my friends and I go to a cheap restaurant to get a break from the cafeteria. We ask for the bread provided to the table to be wrapped up because our cafeteria only provides bread sticks.

To be honest, if people were willing to pay a lot of money for my stuff, I'd do it in a heartbeat. We're immature college kids, I'd love money to take that girl on a date or buy that expensive bottle of vodka I had last week (I don't condone underage drinking, but it happens pretty often in college believe it or not).

Just look at the ESPN documentary Fab Five. The school provided nothing to them, but reaped the benefits. And then Chris Webber gets in trouble for trying to get money. I'd love to be given a car. Asking any college kid to turn that down is stupid. The people providing these things to college kids should be punished not the student.

I sympathize with these kids who are criticised for breaking the rules that don't favor them (rules are rules but come on).

The actions of the North Carolina football players are asinine. The recent report that 12 players accumulated $13,000 in parking tickets is jaw-dropping. My college does not have a good football team.

Most of them are still cocky and mostly just hang out amongst themselves, and you could tell most are not the smartest kids you'll ever meet. But it is up to the coach to keep these kids on the right track. Parking tickets are easy to avoid, just park in the right spots.

The North Carolina kids showed a disrespect to the law by parking in fire lanes and handicapped spots. The coach didn't know about this?

These kids need to be taught discipline. Adding on to this situation was the group of players (most of whom still got drafted into the NFL) who got suspended this season. If it was up to Butch Davis, do you think they would have been suspended?

Probably not because it hurts the team. The kids show a disrespect to the law for parking tickets, just imagine what will happen when they are actually getting paid for real. The crimes could escalate and this is not what college football is all about.

I get it that Terrelle Pryor broke the rules, but making an extra buck and showing a disregard to the law are much different.

Butch Davis should take the brunt of the criticism. Letting his players get out of control is unacceptable for a man who is supposed to be a positive influence in their lives. This was over a three and a half year period so it wasn't just this year when a group got suspended.

If coaches lose their jobs for being ignorant to players getting money, then being ignorant to players breaking petty rules should be a red flag for any program. I hope North Carolina puts pressure on Butch Davis to resign, just like Jim Tressel was pressured to do by Ohio State.

Say whatever you want, Davis deserves it more than Tressel.

Comment, argue, let me know what you think. Thanks for the read

<b>News</b> of the World Hacked Cops Investigating <b>News</b> of the World Hacking

We already know that the News of the World hacked the phones of virtually everyone in England, including dead people and the prime minister and, probably, you. But with the latest revelation, the scandal has actually ...

<b>News</b> of the World Hacked Cops Investigating <b>News</b> of the World Hacking

Jon Stewart Tackles the <b>News</b> of the World Scandal

But before Stewart could expound on his point, correspondent John Oliver presented him with a recap of Rupert Murdoch's News of the World scandal--a friendly reminder that the British will always find a way to out-shame ...

Jon Stewart Tackles the <b>News</b> of the World Scandal

<b>News</b> Corp Launches $5B Stock Buyback – Deadline.com

This could provide some pop for News Corp shares, which have declined more than 12% over the last five days as the News Of The World phone-hacking scandal mushroomed. The company says this morning that its board of ...

<b>News</b> Corp Launches $5B Stock Buyback – Deadline.com

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<b>News</b> of the World Hacked Cops Investigating <b>News</b> of the World Hacking

We already know that the News of the World hacked the phones of virtually everyone in England, including dead people and the prime minister and, probably, you. But with the latest revelation, the scandal has actually ...

<b>News</b> of the World Hacked Cops Investigating <b>News</b> of the World Hacking

Jon Stewart Tackles the <b>News</b> of the World Scandal

But before Stewart could expound on his point, correspondent John Oliver presented him with a recap of Rupert Murdoch's News of the World scandal--a friendly reminder that the British will always find a way to out-shame ...

Jon Stewart Tackles the <b>News</b> of the World Scandal

<b>News</b> Corp Launches $5B Stock Buyback – Deadline.com

This could provide some pop for News Corp shares, which have declined more than 12% over the last five days as the News Of The World phone-hacking scandal mushroomed. The company says this morning that its board of ...

<b>News</b> Corp Launches $5B Stock Buyback – Deadline.com

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