Posted by Kimberly Gutierrez Jul - 30 - 20100 Comment
There are a lot of online personal finance tools out there that will help make your personal finance life a little more efficient. You have, of course, the headliner in Mint.com, now owned by Intuit, to help track all of your spending. You have a litany of budgeting tools, like You Need a Budget, and they’ve all been popular because the idea of online privacy has been flipped on its head with the popularity of Facebook.
I have been asked, on occasion, which tools I use. I don’t use any of them.
I trust all the services to do the right thing and to protect my information and privacy, but I know that sometimes mistakes are made and things can happen. Maybe I’m a little too old school, I’m about the age where I am comfortable telling people where I am via Twitter but not comfortable telling a third party my banking credentials. Mint and the like will treat it with the sensitivity it deserves but… you never know. Consider
This is part two to a series on credit cards and where our country is heading when it comes to credit card debt. In the previous post in this series we talked about some of the statistics in the credit industry and how to interpret them to get an idea of where we stand financially.
Let’s look at some more of these numbers now.
Only 29 percent of households owe $1,000 or more dollars on their credit cards. Approximately 21 percent owe $2,000 dollars or more, 6 percent owe $8,000 dollars or more, 4 percent owe $10,500 or more, and only 1 percent of households in the United States owes $21,400 or more. These statistics, which are from the Fed pretty much go with what Fair Isaac, the company behind the FICO credit score discovered upon reviewing millions of credit reports in the United States.
There are, however, a few differences between the universe that the Fed looked at to arrive at the figures above, and what Fair Isaac analyzed.
“When you’re the business owner, there’s no one behind you. You’re the back-stop.” (Warren Brown, Washington, D.C. Small Business Person of the Year 2006).
How many days and nights has this reality kept you on your toes? From making sure your business stays on track to cheerleading your employees, day-to-day business ownership is about what you make it.
But what happens when you need help? Back-stop or not, you can’t go it alone forever. Help is at hand, if you know where to find it.
The government, in particular, offers a great deal of resources that support small business owners, both online and locally. Take a look at this Small Business Assistance and Training guide on Business.gov and you’ll find a variety of options – local SBA offices, Small Business Development Centers, SCORE, and more.
But just what does each of these provide? And where should yo
We’re counting down the hours until BigCommerce 6 (along with our new website!) starts deploying on all new stores. Until then, here’s some feedback from our customers who helped with the final round of beta testing (a BIG thank you to all of you for your help!):
“This is absoulty Brilliant, the interface has been tweaked, the ability to run feeds to the shopping networks is a great add to a platform that is already very good. We belive this Ecommerce platform is the best money can buy in the UK” – Luke Hill, www.britanniainks.co.uk
“Just finished beta testing BigCommerce 6. The two most important components for us are the integration with ShipWorks for processing all of our FedEx shipments, and Mailchimp for our email marketing. Setting up both components couldn’t have been easier. MailChimp is a great partner and there are a ton of data that BigCommerce can pass through to MailChimp which make it an invaluable tool. The Shipworks
The criteria that mutual fund managers use to select their assets vary widely according to the individual manager. So when choosing a fund, you should look closely at the manager’s investment style to make sure it fits your risk-reward profile.
“Investment style is incredibly important because of the way that investing works,” says Chris Geczy, director of The Wharton School’s wealth management program at the University of Pennsylvania.
“Both risk and return are connected to style. According to current practice portfolio theory, you can optimize a blend of styles for diversification, balancing reward and risk.”
Here’s a look at a half-dozen common investment strategies among fund managers.
Top-down or bottom-up investing
Top-down investing strategies involve choosing assets based on a big theme.