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Attention Financial App Users: Advice for Keeping Your Phone Safe

Attention Financial App Users: Advice for Keeping Your Phone Safe

If you’re like me, you complete just about every task with the help of your smartphone. From checking your email accounts to downloading apps to help you maintain your budget, your whole life is on your phone.

While modern technology is certainly a convenience, we really do have to be careful about the potential threats that are out there. Identity theft is serious business and, according to the Federal Trade Commission, identity theft was at the top of the list for consumer complaints this year.

For that reason, it is important for us to take extra precautions to protect our personal information. Below are a few things I’ve done to safeguard my smartphone.

4 Ways to Fund Your New Business

4 Ways to Fund Your New Business

If you’ve ever thought seriously about starting your own business then you should also have given some thought to the issue of how to find the funding that will help turn your ideas into reality.

These matters are, of course, key considerations in the context of starting up a new business of any kind. After all, without cash, even the best business ideas are destined to remain unfulfilled and forever on the drawing board.

There’s no denying that funding new businesses can be challenging but it is important to note that there are more ways than ever for start-up operators and entrepreneurs to access the financing they need at different stages of development.

Here’s a look at FOUR of the best:

5 Tips to Help You Start Your Emergency Fund

5 Tips to Help You Start Your Emergency Fund

“How to Save” articles always include the tip “Build an emergency fund,” and for good reason. As its name implies, an emergency fund tides you over during unexpected events – like fires, accidents and sudden deaths in the family.

Essentially, it’s your last line of defense finance-wise, in case you end up in a situation where you have no other sources of cash.

That’s why it’s important you know how to build an emergency fund from the get-go. For that, here are some guidelines you can follow…

5 Simple Ways to Save Money When You’re a Student

5 Simple Ways to Save Money When You’re a Student

More often than not, college students are constantly facing shortage of money even if they have managed to acquire a student loan. While the funding may appear to be enough when you get it at the beginning of the term, it is not long before you realize that you will need to seriously budget to last it throughout. This is the hard part; budgeting, to make sure that you do not run out of money before you receive your next funding. However, it is not so difficult that you would term it impossible. I would like to list down a couple of saving tips for you college students.

How to Find That Next Big Sleeper Stock for Your Portfolio

How to Find That Next Big Sleeper Stock for Your Portfolio

If you have been active and following the markets through the first quarter in 2015, you will no doubt have heard of the amazing run in the biotechnology sector. The stocks that compose the biotech sector have had some of the hottest win streaks seen all year, with some being many hundred percent winners.

It’s easy to get caught up in the hype and feel the need to chase some of these monster movers, but as a trader, I prefer to dig down into the details and find the next big opportunity that I can ride for a monster win. The smarter play here is to recognize the opportunities before they become known to everyone else…

The Top 10 Skills to Add in Your Resume

The Top 10 Skills to Add in Your Resume

A resume is one of the most important documents of a job seeker. It is the first and easiest way to show the employers that you are a perfect match for the company. A lot rides on what and how much you have mentioned in your CV. Everything from the interview to the whole selection process starts with this one document.

While the need to have job-related technical skills is unquestionable, it’s also a fact that everyone applying for the position will have them. So how do you think you’ll stand out of the crowd? The answer is simple, mention the prime job-related (non-technical) skills.

4 Easy Ways to Develop Your Charisma

4 Easy Ways to Develop Your Charisma

Charisma is one of those intangible qualities of a human being that you cannot exactly describe in words. In some ways, it is the X-factor that separates the ordinary from the extraordinary.

Charisma is a virtue that accentuates and sheds light on every other virtue in a person. When you have charisma you become a charismatic man or woman.

Charismatic people have always enjoyed the perk of being treated exceptionally by others in society. Here’s how to increase your charisma in 4 easy ways…

Finances Don’t Have to Be Complicated

Finances Don’t Have to Be Complicated

It happens to everybody. We get our first jobs, we work hard, we excitedly rip into that first paycheck and, as Rachel so famously said on Friends, “Who’s FICA? Why’s he taking all my money?” Congratulations! You’ve just been introduced to taxes!

Here’s the good news: for many of you, all of the money that is taken out of your paycheck over the course of the year for federal and state taxes will be refunded to you when you file your taxes. Trust me when I tell you: this is the easiest way to do taxes. When you go into business for yourself or start freelancing, taxes get a whole lot more complicated. But that is another article for another time.

Here’s how to manage your money now so that you can lay a solid foundation for later, when you’re ready to start investing in bigger things than CDs (which we’ll talk about in a second).  For now, though, baby steps (no offense).