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Frustrated after rain interruptions forced a tie in the fourth ODI against England, Indian captain Mahendra Singh Dhoni said the “ugly side of cricket” came to fore in the match as the side which had the upperhand “didn’t want to play.”Sunday’s tie gave England the five-match series after the first game was washed out and the hosts won the next two.India had set England a formidable target of 281 in Sunday’s match before rain interruptions forced a tie with the hosts at the Duckworth-Lewis par score of 270 for eight.”We just saw the ugly side of cricket. Whichever team has the upper hand, doesn’t want to play. Whichever team is not on winning side, will stick around and even play football. That’s what people do and that’s what both sides did,” Dhoni said after the match.There were as many as three interruptions – first when England were up and second when the Indians were ahead on the Duckworth-Lewis rule. The intervening showers did cease 10 minutes after the proceedings were ended but the rules didn’t permit the game to be played under lights.”If you have a day game, you need different guidelines and principles to follow. If you put it under lights, it doesn’t look nice,” he said.Dhoni said some of the Indian players were confused about the result. “Some of the guys were confused. Some thought we had won it. Most of us thought it was a passing shower and we would be able to get back on the field,” said Dhoni.advertisement”Once inside the dressing room, we saw the final sheet of paper. After looking at it, it was apparent it was a tie and none of the side had won the game,” he added.Expressing his frustration with the interruptions, which robbed his side of a win in the series, Dhoni said, “This is not the first time. We were close to winning the first game also. But as I said, you can’t control the weather.”Dhoni’s batting was quite refreshing as was the knock of Suresh Raina who top-scored with 84 runs.”We got off to a good start. Openers did well. When I came in, we wanted to make sure we play a number of overs. We didn’t have a target in mind. We wanted to try and rotate the strike. Not to play shots which were risky and get closer to the 40-over mark. In the last 10 overs, we were able to get 110 runs which really made a difference.”For the second game running, India did well in batting powerplay. In the last game at the Oval, they made 51 runs from five overs and here at the Lord’s, they plundered 58.”It has been good in the last two games. It’s important not to look for 60 runs in five overs. You look at 40 runs as a benchmark. If you have explosive power, the last three overs can really make a difference. You can even get 50 runs. But it’s important not to aim too high,” Dhoni said. .There was a feeling that with so much on his plate, Dhoni was better off in giving the keeping responsibility to Parthiv Patel.”I am not a very good fielder. I love fielding on the boundary. But you can’t lead the side from there. So that option (of letting Patel keep) is not there right now.”Dhoni said it would be India’s aim to win the final game at Cardiff on Friday.”Every game is important. Every game is an international game. It’s important to get the most out of it. It wouldn’t be bad to get a victory finally in the whole of series.”England will be visiting India in October and after the encouraging show by a few youngsters, speculation is rife about the seniors retaining their spots.”Quite a few players would be fit by then. We then may not have a very good fielding side. But then grounds in India are small and there is not much opportunity for batters to take singles or twos. You have to see which all players are available. It becomes difficult when senior players are available. It’s tough for the youngsters but (this tour) has been a good grooming period for them. When the time comes, they could be around for 5-10 years.”
During your job search, you’re going to receive a lot advice. Some of this advice is going to help you land jobs, while some of it might set you back.Whether it’s advice you receive from your mother or even a tip you get from a recruiter, some of it won’t guarantee job search success. When searching for jobs, it’s important to know which tips work for you and how to use them to their best potential. Once you’re able to weed out the bad advice from the good, you’ll be on your way to more interviews and landing a job.To help you decide which job search advice to ditch this year, here five job search tips to avoid in 2014:1. Only focus on your resume and cover letter.A common piece of advice you’ve probably heard over the last year is to focus on customizing your cover letter and resume to every position for which you apply. This is a very important piece of advice to follow (and you should always do this); however, there some other important pieces of the job search puzzle you’re missing.During your job search, you must also focus on marketing yourself as a professional and the value of your personal brand. Your resume and cover letter definitely serve as tools for landing an interview, but what’s going to seal the deal is your credibility as a professional. In addition to crafting the perfect resume and cover letter, make sure you also have a stellar online presence. This means making sure your LinkedIn is current and you’re utilizing the best social media platforms for your career. This not only will help you build credibility as a job seeker, but also help you become discovered by employers who want to hire you.2. Make sure your Facebook profile is unsearchable.If you’re worried about employers finding you on Facebook, chances are you’ve probably gone out of your way to make it private. If you’ve changed the spelling of your name on Facebook and applied every privacy setting to make it impossible to discover you, this could send a red flag to employers.As a job seeker, you need to be as transparent as possible on social media. Why? Because employers want to feel confident that you have nothing to hide from them. Do your best to be your true self online and you won’t have to worry about blocking employers from your Facebook.3. Keep your personal and professional online presence separate.You may have been told the safest way to utilize social media for your job search is to create separate accounts (such as two Twitter accounts). While this seems like sound advice, it could have a negative impact on your online presence. Employers want to see that you’re able to blend your personal and professional lives as one on social media. By blending the two, you’re able to show employers your experience as well as your personality online.As mentioned earlier, it’s important to be transparent as a job seeker because you want employers to see your genuine personality. If you’re worried about employers finding dirt on you, make sure you are only posting appropriate content online. This will save you a headache from having to manage two separate social media personalities for yourself as a job seeker.4. Apply to as many jobs as you can.No matter how desperate you are to find a job, don’t apply to every job posting you think you are even remotely qualified for. People land jobs because they show employers they are qualified for the position through their experience, not because of a single qualification or skill.If you want to land a job, you need to carefully research positions that would be a good fit for your skills and experience. Once you find some jobs you feel are the right fit, begin networking with those companies. When you’re ready to apply and you’ve made some connections, customize your cover letter and resume to each position. This will show employers you are serious about working for their company and will give employers a reason to want to interview you for the position.5. Use as many buzzwords as possible in your resume.You’ve probably been told to use as many buzzwords as possible such as “driven” and “innovative” to spruce up your resume and help you win over resume screeners. However, this is actually a job search tip you need to avoid. In 2013, LinkedIn revealed their top 10 list of resume buzzwords you should avoid using in your resume. Regardless of how “responsible” or “analytical” you may believe yourself to be, no employer is going to believe you unless you can support your qualification with an accomplishment story. When writing your resume, make sure you are using relevant keywords that are tailored to the position. This will help you stand out to employers and make your resume appear more credible.If you can avoid some of these tips during your job search, you’ll be on your way to landing more interviews and jobs. Your job search is more than sending a resume or hiding your personal life from employers online. It’s about being persistent and thoughtful when applying for jobs and making the right connections. Hopefully you’ll be able to use some of these tips to tweak your job search this year and lead yourself in the direction of landing a job.What are some bad job search tips you’ve received? Share in the comments below!
23 hours ago 23h 23 hours ago 23h Director of Test Engineering Life360 San Francisco, CA 3.9★ Corporate Controller Life360 San Francisco, CA Senior Security Engineer Life360 San Francisco, CA General Counsel Life360 San Francisco, CA Product Manager, Revenue Growth Life360 San Francisco, CA Site Reliability Engineer Life360 San Francisco, CA Director of Product Design Life360 San Francisco, CA 3.9★ Available Jobs at Life360 3.9★ 23 hours ago 23h 23 hours ago 23h 3.9★ 23 hours ago 23h I’ve always thought of a company board of directors as a group of wrinkly, old men sitting on piles of money in a dark room conniving to make yet more moolah. After all, often times when boards of directors are mentioned in the news, it is in the context of corporate wrongdoings. But as I thought about it more, I realized it was high time that I learned a little more about boards as they are, or, as we hope they are in 2018.I called Brit Morin, Founder and CEO of Brit + Co, a media company for women who are looking to jump-start their creativity, keep up with the latest in pop culture and take online classes from calligraphy to coding. Launched in 2011, Brit + Co has been growing 50 to 100 % every year, with revenues in the 10s of millions of dollars and over 75 employees.She’s just joined the board of Life360, a family networking app, that allows family members (or other self-designated groups) to share their location with each other. Morin has been an enthusiastic user of the app for years. Unlike many users, who want to keep track of their teenage drivers, Morin finds it convenient to keep up with the activities of the family. “I can look at the app and see that my sister-in-law has gone for a trail run in Montana. I’ll text her and start a conversation around that. It keeps us communicating.”Glassdoor: Why did you decide to join the board of Life360?Brit Morin: I met the co-founder Chris Hulls a couple of years ago and we’ve kept in touch. Life360 had had a light bulb moment and wanted a woman on the board. About a year ago Chris started talking to me about joining. We had many conversations, often about his primary users, who are women and moms, and I mirror both.I bring not only the female users’ point of view on the product, I have experience starting and running my own female branded online business. The two companies are similar in size, in terms of revenues and number of employees. It makes for a perfect fit. I saw that I could serve a purpose by offering my informed opinion as a user, as well as making suggestions for more uses of the app. I consider this giving back to a larger community.Glassdoor: Does Brit + Co have a board of directors? Can you speak about how the board is chosen?Brit Morin: Yes, we started with a three-person board and now have five people serving, including investors. Venture capitalists often want a seat on the board of a company they’ve put money into. Our board is 80% woman. Four women and one man. The board reflects our end user, which is really important. Everyone – on staff or on the board – should be thinking about the customer and since 94% of our users are women, it’s obvious that a woman-focused board makes sense.Just as I’m an independent member of Life360, Tina Sharkey is an independent board member for Brit + Co. She has started and run e-commerce sites that bring consumers and businesses together. Tina’s work has been around serving communities of women, starting with iVillage, which she co-founded and BabyCenter, where she was CEO. Recently she co-founded Brandless, an e-commerce site. She serves much the same purpose for Brit + Co., as I do for Life360. She knows the product well, and she brings invaluable experience having brought women-centered businesses to scale.4 Steps To Creating Your Personal Board Of AdvisorsGlassdoor: What responsibility does a board have in responding to crises?Brit Morin: I think the board’s and executive teams’ responsibilities lie more importantly in day-to-day business. Diversity and safety within their companies should always be on their minds. Alarms are going off, at least in Silicon Valley, about inclusion. Diversity across all aspects – from gender and race to education and skills – is now being talked about. Companies are trying to figure it out. We have a diversity committee who meets monthly to look at things from our photography (Are we showing all kinds of women?) to hiring practices.Glassdoor: Do you really think things will change or is all the talk of diversity simply lip service?Brit Morin: Things will change. I don’t have any hard data, but I know In the Fortune 1000 companies only 18% of board members have been women. Recently, I’m hearing about more and more women being asked to serve on important boards. That’s the beginning. Boards have to be reflective of their customers and sensitive to their concerns.7 Top Trends for Women in the Workplace in 2018Glassdoor: What is your background? For example, did you major in engineering or business or both in college?Brit Morin: Actually, I graduated from the University of Texas, Austin two years early. I was excited to get into the work world. I had taken a lot of computer science courses in college and AP computer science in high school. I knew I was headed for the tech world.After college, I moved to Silicon Valley and worked at Apple, where I was involved with iTunes, and then I was at Google for four years. My assignments were on the product side, on teams for Google Maps and other projects. I was given a lot of responsibility when I was in my twenties. The years when I was employed at large, fast-moving corporations gave me my MBA.I got my second MBA as an entrepreneur which no one can teach you. You have to get in there and do it. I learned about venture capital, boards, hiring and managing on my own. I took what I had learned earlier about how to talk to engineers and marketers into my own business. It’s all been a learning experience.Glassdoor: When job seekers look at a company for potential employment, should they take a glance at the board?Brit Morin: I think you should look at both the makeup of the board and the executive teams. Are they diverse? Are they reflective of the company’s target user? What have they accomplished to those ends? That will give you another way to look at a company which is always useful.Learn More About Brit + Co Now! 23 hours ago 23h 23 hours ago 23h 3.9★ DevOps Engineer Life360 San Francisco, CA 3.9★ 23 hours ago 23h Product Designer Life360 San Francisco, CA 23 hours ago 23h 3.9★ 23 hours ago 23h 3.9★ Software Engineer II, iOS Life360 San Francisco, CA See more jobs at Life360 3.9★ 3.9★
Real Madrid president Florentino Perez is ready to hand Sergio Ramos a new contract.The captain was an inspiration last season as Real won a historic LaLiga and Champions League Double.Perez is willing to reward Ramos for his efforts with a contract upgrade, taking his base salary to €12 million, says Don Balon.The new deal gives him parity with Gareth Bale – only Cristiano Ronaldo earns more.The agreement will also add a further year to Ramos’ existing contract.
Swansea City have tabled a bid for Liverpool fullback Alberto Moreno.TMW says Swansea have lodged a bid for Liverpool outcast Moreno.Paul Clement’s side have offered £12million for the Spanish left-back.Liverpool have yet to respond, but did recently reject Napoli’s £11m offer – so may be holding out for their £15million valuation.Bundesliga duo Borussia Monchengladbach and Hertha Berlin have also been linked.
One of the great things about the evolution of the Internet is that anyone can have a platform for promoting their view of the world – via blog, MySpace page, Flickr photos, comments on another person’s blog, etc. That means that sooner or later, people are going to talk about your organization or cause online. That can be good, if they love you, or it can feel bad, if they say stuff that’s not nice. But I think the not-nice stuff is even more valuable sometimes, especially when it relates to our communications and customer/donor service. It’s good to know when people aren’t happy, because it can help us do a better job serving them.Tactical Philanthropy blog asked me my philosophy on this topic after this, which resulted in an interesting discussion , followed by more discussion, and then this end of the story. I thought I’d share what I said:Good marketing is about listening to the audience, acknowledging their perspective and having a conversation based on that perspective. A good marketing relationship is like any other relationship – it’s based in listening and conversation, and not simply monologue. This is more true than ever before with the advent of social networks, blogs, etc. The web 2.0 world gives us everyone – including donors – tools to talk to the world, and that means nonprofits have a new opportunity to listen, and sometimes, to start a conversation. I consider the Internet one big focus group – a place to see what donors, nonprofits and others are saying and doing, and a means to engage those audiences in conversations about what they care about. Donors blogs are incredibly useful – they are audience research, a feedback loop, a sounding board and a place to start a relationship – all rolled into one. That’s all really easy to say, but hard – even painful – to experience. Blogs allow people the freedom to talk about your issue or organization in their own words, and that means a loss of message control, which can be difficult to embrace. Sometimes what people say online is not especially nice or constructive, or it may not be based in a thorough understanding of any issue. It can be unpleasant – and sometimes, I think it’s best not to respond if what you read is a cheap-shot from someone not very invested in the issue at hand. I’ve stayed out of some conversations for that reason. But often, what a comment or post online may lack in warmth, it more than makes up for in authenticity and passion, and, however much it hurts to read it (and it hurts, especially if you believe in what you do), it’s very useful to know what people are honestly thinking. Those honest thinkers are worth listening to and learning from, and speaking with. In the case of GiveWell, it was very important to know people don’t have a good understanding of our fees, and why. Obviously, we should do a better job explaining them, and we will. I stand by our fees and believe they are incredibly fair considering all that we offer nonprofits, but if folks think they are not worth it, then I need to listen to that opinion – and learn from it, then do a better job as a communicator going forward.If I were working in marketing at United, I’d spend more time reading www.untied.com and thinking about how to improve my company than I would on creating new ad campaigns.We have a serious problem in our sector right now – so bad, we might end up with an untied.com of our own. Most donors stop giving to charity because of dissatisfaction with how they were treated by the charity rather than personal constraints like financial problems. Too much mail, no thank-you acknowledgements, and little information on how their money was spent. If they are that mad, we had better listen — and learn.
Freelancers Union staff outside our office in DUMBO, where we are thankful for Jacques Torres hot chocolate. __The launch of our new website (still a work in progress!)Nationwide expansion of life and disability insuranceDomestic partner coverageOur funders (Ford Foundation, New Profit, Warhol Foundation, Hunt Alternatives Fund, Nathan Cummings Foundation)Recognition from the media (The Economist, etc.) and peers (Barbara Ehrenreich, Andy Stern)What are you, as an individual freelancer, thankful for this year?
WashTech is a labor organization representing technology workers. Though they’re based in Washington State, and originally formed as a coalition of contract workers for Microsoft, they now take action on national issues, too. Right now, they’re campaigning to raise policymakers’ awareness around issues of work visas. Briefly, WashTech wants to limit the number of H-1B visas issued to skilled workers from other countries. This type of visa, it has been argued, opens the door to outsourcing technology jobs overseas. To learn more about this issue and the WashTech campaign, visit their website.
A new report from the Centers for Disease Control shows that the number of uninsured adults increased 6% last year, by 2 million. According to the New York Times, “Almost all the increase was in the non-elderly adult population — a trend attributed to diminishing employer coverage and pricier private insurance.” While the overall number of uninsured Americans stayed about the same, that was because there’s been an increase in coverage for children–which is great. As campaign season continues to heat up, though, we’d like to see what candidates think can be done for adults who can’t get coverage through their jobs. Will we see truly innovative proposals?
Just this week, Canada moved toward making self-employment more equitable, with Parliament passing the “Fairness for the Self-Employed Act”. Beginning on January 31, 2010, Canada’s 2.6 million self-employed workers can sign up for access to Employment Insurance benefits which they can begin utilizing as soon as January 1, 2011. Employment Insurance provides for maternity and sick leave, among other benefits. Find out more.
This is a post from a member of the Freelancers Union community. If you’re interested in sharing your expertise, your story, or some advice you think will help a fellow freelancer out, feel free to send your blog post to us here.In a crowded industry, making yourself stand out as a freelance writer is crucial. Here are some easy tips for building a reputation, boosting traffic, and growing your business.Increase your online presenceIf you want to get on potential clients’ radars, building up a solid online portfolio is crucial. Here’s what it can do for you:Instant credibility spike: You stand out from freelancers who have no portfolio.Personal touch: You show your skills in action. Copy and visuals say more than just a description of your skills.Traffic boost: Organic search and recommendations bring you visitors, who get an instant feel of your writing range & abilities.If you are just starting out, don’t worry if you don’t have many articles to show off. Everyone has to start somewhere, so write 3-5 pieces and publish them on free platforms like LinkedIn Pulse or Medium.Make sure to take care of visuals, fonts, and readability. All of these are the critical elements of miscellaneous copy. If you want to seriously improve your writing and optimize the working process in general, these tools may help you out.Crello: Provides a wide range of ready-made templates — from IG posts to blog, animation, video, and ebook templates — for free. This is an opportunity to create engaging visuals for your texts, incentivizing more people to hire you.Typetura: Embed code into your website to stand out from the rest of writers who use standard formatting.Hemingway App: Corrects common errors and increases overall readability.Keep improvingThere isn’t a single person in the world who did nothing to succeed in their craft. It’s all about practice.So, start by publishing one article per month. Then keep multiplying this number by two, month by month until you are writing up to 8 articles per month. The important thing is to polish your writing, not perfect it.Track your growthIf you usea publishing platform like Medium, you can easily analyze the performance of your posts there. Medium provides you with comprehensive metric details which allow you to take your writing seriously.Another efficient way to analyze your articles without building a website is to use UTM tags throughout the post. If a user has clicked one of your tracking links, you’ll know about it. This provides you with in-depth insights into what resonates with your readers and sparks their curiosity.Come up with KPIsFor some people, success comes with an ability to write texts that sell. For others, it means being able to create coherent texts readers can get inspired about. Success may be different, depending on the terms used to define it.Be specific when you define your KPIs. Before you dive deep in the process, take a look at the criteria below.Money: If being successful means earning $10,000 a year — go for it. But if you want to make $100,000 — try! Reach for what you truly want.Name recognition: If your writing career is something you’d like to be recognized for, then research the market and come up with the ways to earn your place in writing history.Community support: Some people measure recognition by the number of likes and shares. Others do it by the number of souls their copy touches. Whatever path is yours, remember: many shades of success are out there. Find your versionConnect with the communityIf you want to make your writing even better, then follow other talented writers. Here are some inspiring websites.ReallyGoodEmails (some of the world’s most creative emails)HeyNishi (a daily portion of website inspiration)ILoveTypography (typography education and inspiration)Enjoy your freelance writing journey!Mary Atamaniuk is an experienced copywriter, content manager, and marketing professional who is passionate about storytelling.
Every spring the Jewish community celebrates Passover, and every year the same problem is presented: how do you turn matzah — a staple alternative for the holiday — into an enjoyable, delectable food option?Many would confess that it’s a real challenge. After all, matzah is unleavened bread made of only flour and water. Online listening and some nimble qualitative research revealed that matzah starts to feel bland after just three days. Several days of Passover means several days of sameness. You’re a matzah champ on days one and two, but by day three you’re tired of the same ol’ solutions and ready for a change. People call it #passoverproblems on Twitter, and last year there were 2.4K organic mentions of the hashtag during the holiday period.This consumer insight laid the foundation for a new campaign we’ve launched with client Temp Tee Whipped Cream Cheese, a staple in kosher households and a Passover favorite. The goal: raise awareness for the brand among a target audience of #matzahfatigue sufferers and position the brand as an antidote.By enlisting the help of Jamie Geller, the influential Kosher Cookbook author, blogger and general Matzah Maverick, we’re helping Temp Tee show consumers how its cream cheese can wholly transform matzah into a tasty creation. Leading up to Passover, Jamie and Temp Tee will arm the community with mouthwatering recipes designed to remedy the several days of sameness, by giving moms new ways to fight matzah fatigue during the Passover holiday.Through a new video series, Jamie will share with the community how she and her family get over the third-day Passover hump by getting creative in the kitchen with Temp Tee. Her creative solutions for simple Passover meals will be accessible via her blog, media network and social channels.For more cooking videos and ideas, check out the Joy of Kosher YouTube channel and be on the lookout for 50 original Kosher for Passover recipes on JoyofKosher.com, as well as an exclusive e-book featuring a selection of 20-25 of the Temp Tee recipes and pictures.Join us in the fight against matzah fatigue and share your creative Temp Tee ideas using #matzahfatigue on Twitter and via Instagram and Pinterest.Cover Photo via Flickr
Sources: Investopedia | TreasuryDirect | Consumer ReportsShare this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) RelatedSaving for College? Here’s What You Need to KnowDecember 20, 2018In “Saving”Can You Live Off the Interest of a $1 Million Dollar Investment?June 18, 2013In “Investing Advice”Should You Invest Your Emergency Fund?November 28, 2018In “Saving” Savings bonds are securities issued by the US Treasury Department. When a person purchases a savings bond, they are lending their money to the US government, and in turn, earning interest. Savings bonds are low-risk, low-return investment options that mature over a span of time. Since savings bonds are backed by the “full faith and credit” of the US government, they are considered one of the safest ways to invest. How to Choose a Savings BondThere are two types of savings bonds: traditional series EE bonds and series I bonds. Knowing the difference between the two will help you decide which one is best for your savings goals.Series EE BondsSeries EE bonds—the more common of the two savings bonds—are purchased at a fixed interest rate and take 20 years to mature. At this time, the US government guarantees that the bond will have doubled in value. After 20 years, the interest rate is reset and the bond matures for 10 more years. While series EE bonds are exempt from local and state taxes, they are subject to federal income tax. Series I BondsSeries I bonds are purchased at an interest rate that is calculated by current fixed interest rates as well as the rate of inflation. Unlike series EE bonds, they take 30 years to mature. If inflation is expected to be high for the next 30 years, you may want to consider series I bonds. Otherwise, series EE bonds may be a better option if held to maturity. When deciding which bond is best for you, consider consulting a financial advisor.How to Calculate the Cost of a Savings BondSavings bonds are purchased at face value with the guarantee that they will double in value by their date of maturation—generally 20 years for series EE bonds and 30 years for series I bonds. So if you’re considering a $5,000 series EE bond, you would pay $5,000 at the time of purchase with the expectation that your money would double to $10,000 after 20 years.You purchase savings bonds electronically through the US Treasury’s website in any denomination from $25 to $10,000. Paper bonds are no longer available unless you purchase a series I bond with your tax refund. This is the only way to receive a paper bond. How to Find Out How Much a Savings Bond Is WorthSavings bonds collect interest yearly based off their fixed rate when purchased, which is usually relatively low. For current interest rates, visit the US Treasury’s website. They collect this small amount of interest every year until their maturation date, at which time they double in value. For example, a $2,500 series EE bond purchased at an interest rate of 0.1 percent would only be worth $2,538 after 15 years. However, if you were willing to wait five more years, the bond would mature and be worth $5,000. After this time, you may choose to keep the bond for ten more years at a higher interest rate, generally around 3.5 percent.If you currently own a savings bond and are unsure of its value, enter the required information into the US Treasury’s savings bond calculator. Beware of entering your information on any other non-official, non-governmental websites, as they could be scams.How to Redeem a Savings BondIf you’re ready to cash in your savings bond, there are a few important things to note. You cannot cash in a savings bond until it is at least one year old. However, if you redeem your bond before it is five years old, you will incur a penalty of three months’ interest. Bonds that have stopped earning interest (generally after 30 years) should be cashed in. Remember that the longer you hold on to your bond, the more it will be worth—especially if it has reached its 20-year maturation and is now earning a higher interest rate.To cash electronic savings bonds, visit the US Treasury’s website. To cash paper bonds, visit your local bank or credit union. You may also mail your bond to Treasury Retail Securities Site, PO Box 214, Minneapolis, MN 55480-0214. When it comes to investing, there are countless options available. Some prefer a more aggressive, high-risk and high-return approach. Others prefer more conservative money moves. Regardless of your preferences, savings bonds offer a great, safe way to double your money—given you have the patience to let them grow. Post navigation
Has an organization or university offered you an opportunity with a stipend? Whether it’s an internship or apprenticeship, a stipend is a set amount of money that helps offset living expenses. This fixed amount is financial support provided while you’re… Full Story,Truth is, there is a lot to be excited about when it comes to college: new friends, a new routine, (college parties!), and more independence. But along with all these perks, it’s also time to start thinking about your finances…. Full Story,A routing number is a unique number that identifies a specific banking institution. Each routing number is made up of nine digits. Routing numbers are sometimes referred to as an American Banker’s Association routing transit number or an ABA RTN…. Full Story,It’s stressful enough having a car loan over your head and staying on top of your monthly payments. But what if you have an upside-down car loan — in other words, the amount you owe on your set of wheels… Full Story,When you’re trying to get your financial house in order, it’s easy to get lost in the specifics. You might stress about how to adjust your budget, where to find some extra cash for the holidays or what funds to… Full Story,Shortly after graduating from New York University with a Master’s degree, Melanie Lockert turned to food stamps, as she worked her way out of $81,000 in student loans. “There were a lot of emotions around carrying that debt. It caused… Full Story,Traveling is one of the best things in life, and luckily, low funds don’t have to dash your dreams of enjoying an epic adventure. A wealth of destinations—both in the U.S. and abroad—are so affordable that even hardcore penny pinchers… Full Story,While we don’t yet have flying cars that collapse to the size of a suitcase, pneumatic tubes that transport us from room to room or machines that automatically bathe and clothe us in the morning, every day we’re getting closer… Full Story,Times have changed since Grams and Gramps were your age, looking to settle down and buy their first home. But today the house with the white picket fence—or that trendy loft in downtown—isn’t completely out of the question if you… Full Story,We recently hosted a Twitter chat as part of our #RealTalkSeries. And let’s just say, things definitely got real. Many of you joined us to discuss “taboo” and cringe-worthy money questions such as how to improve a bad credit score,… Full Story
Whether you’re running your own business or working for someone else, certain metrics are key to understanding how you’re doing financially. Net income and gross income are two numbers that can help you evaluate your business or personal finances. Various… Full Story,Black Women’s Equal Pay Day is deliberately separate from the Spring Equal Pay Day. It is held at this time of year as it marks the amount of additional time it takes for a black woman to earn the same… Full Story,Sometime last week, news might have filtered to you through your favorite social media platform, feed, or blog, that the Federal Reserve lowered the Fed interest rate by 0.25%. The announcement made on July 31st by the Federal Reserve chairman… Full Story,The other week, while I was digging up weeds during my volunteership at the botanical garden, my 19-year-old colleague turned to me and asked, “Jackie, what would you tell your 20-year-old self?” Whelp. I leaned in, gave her my wise,… Full Story,I’ve gotten to a point in my career where I’m commonly referred to as a financial “expert”. I’ve worked hard to broaden my knowledge and fill in the gaps, so I feel pretty comfortable in that role. When a friend… Full Story,With much of the country experiencing frighteningly cold temperatures, it doesn’t seem like the time to issue “ways to save during winter” advice. With temperatures well below zero, the last thing anyone should be doing right now is turning off… Full Story,Personal finance and investing gurus are fond of an old Chinese proverb: “The best time to plant a tree was 20 years ago. The second best time is now.” Chances are you’ve heard it before. It’s a profound quote, and… Full Story,For most of us, getting organized is a pipe dream. The random creams, pastes, and oils in your bathroom cabinet will probably never be color coordinated or arranged alphabetically. Your sock drawer will probably be a nest of tangled and… Full Story,For some people, stability is the norm. They’re successful, happy and blissfully unaware of just how lucky they are to be in such a comfortable position. For the rest of us, chaos is the status quo. Financial and mental instability… Full Story,If your finances are a constant source of stress and anxiety, you’re certainly not alone. In fact, 40 percent of American adults say they would have a tough time covering an unexpected expense of $400 or more, according to the… Full Story
Negotiators and stakeholders headed to Bonn, Germany, for next week’s UN climate summit continue to confront a range of questions surrounding one essential query: How do we meet the imperative to lower greenhouse gas emissions now — quickly — to minimize the most severe impacts of climate change?To address this challenge, World Resources Institute and partners launched Climate Watch, a new data visualization platform. Climate Watch brings together dozens of datasets for the first time in an online platform that lets policymakers, researchers, media and others analyze and compare national climate pledges under the Paris Agreement, access historical greenhouse gas (GHG) emissions data, discover how climate objectives can help achieve sustainable development goals, understand linkages between climate risks, poverty, vulnerabilities and readiness to adapt to climate impacts and use models to map new pathways to a lower-carbon future. See for yourself how the various aspects of Climate Watch can help answer important questions about climate action and sustainable development:1) How have global emissions changed? Because climate action and sustainable development are two sides of the same coin, aligning climate targets (NDCs) and Sustainable Development Goals (SDGs) will be critical to decarbonizing economies and building climate resilience in a way that leaves no one behind.Climate Watch identifies the links between countries’ NDCs and SDGs for 2030, finding that climate actions communicated in the NDCs are aligned with 154 of the 169 targets of the SDGs. The greatest alignment is found in the energy, forest, land-use and agricultural sectors, but with opportunities across all 17 SDGs. It’s the first time they have been mapped together, providing a resource to understand and maximize synergies between the agendas.Mexico, for example, can address SDG 2 — end hunger and achieve food security — by improving watershed management and land conservation to ensure food security and access to drinkable water. These challenges are interrelated, and Climate Watch’s easy access to comprehensive data can help countries like Mexico take advantage of this integrated approach.4) What can countries do to reach their climate targets? To build confidence and trust between public and private sectors and among countries, ensuring transparency and accessibility of national climate targets (known as Nationally Determined Contributions or NDCs) is essential to encourage ambitious climate action.Climate Watch lets stakeholders explore all countries’ NDCs with a searchable database that makes it simple to learn from different countries’ plans, and identify areas for further investments.For example, Climate Watch allows users to delve into what any country is proposing within their NDCs to do on mitigation, adaptation and finance, or see what economic sectors — such as agriculture and energy — different countries are focusing on to meet their emissions targets. The platform has identified around 400 sector-specific climate targets and found that about three quarters of national climate plans cover adaptation measures.3) How can countries link climate goals with sustainable development? Since the 1850s, when the industrial revolution was gathering steam, global heat-trapping emissions have grown from less than 1 gigatonne – 865 megatonnes or 1.9 trillion pounds — to 46.6 gigatonnes in 2015: 46,600,000,000,000 kg (93 trillion pounds) or about 1.4 million kg (3 million pounds) every second. While global emissions have begun to stabilize in the past three years and some of the top emitters have reduced their emissions, time is not on our side. We need to rapidly reduce global total emissions to have a chance at limiting warming well below 2 degrees C (3.6 degrees F) above pre-industrial levels to avoid the worst impacts of climate change, and every country needs to play their part. To help do that, Climate Watch makes it easy to analyze and visualize the latest available international greenhouse gas emissions data, how it has changed and what areas of the economy need the largest change.2) What are countries doing to address climate change? Climate Watch’s emission scenarios shows what more than 60 countries or regions can do through economic and energy policy, drawing from a variety of modeling tools, to chart a more ambitious path to reducing emissions and limit global warming.In addition to national-level insights, Climate Watch users can explore how temperatures might change under different emission trajectories. For example, the Global Change Assessment Model shows that if current national targets under the Paris Agreement were achieved, they could limit warming to 2.8 degrees C (5 degrees F). The Bottom LineWith analytical tools and access to the latest climate data, Climate Watch is a powerful tool to help countries meet the climate challenge. The platform will continue to improve and expanded over the coming years, with new tools, more robust data sets and information about national policies and legislation – such as carbon pricing, climate finance, adaptation measures and more.Try Climate Watch out for yourself and see which of your climate questions it can help answer. Visit www.climatewatchdata.org.
Dharmesh Shah — He’s my co-founder who I met at MIT. Before HubSpot he bootstrapped a successful software business and sold it to SunGard netting himself a tidy sum. He started his own that you might find helpful to see how your are doing relative to your peer group. Patrick Fitzsimmons — We acquired Patrick’s company which he started while studying at Yale. He’s a true “web native,” a great/creative programmer, a born skeptic, and exceptionally bright. There is an interesting group of people working on SB2.0/HubSpot including a few employees, a few MIT interns, and a few overseas developers. There are four of us that get together in Cambridge to work on strategy that influence the content you read here. If you enjoy the blog, it probably is because of the fact that the four of us are coming at things from very unique perspectives that creates a cauldron of innovation. Here’s a little description of who we are and a bit on our perspectives: Anyway, I hope you are enjoying our blog and will continue to read it and pass it along to others you think will be interested. If you get a chance, have a look at HubSpot We are writing this blog to small business owners and entrepreneurs to give them the advice they need to capitalize on the unfair competitive advantage the internet disruption affords them. While writing this blog, we are building our software company, HubSpot, to give them the tools they need to capitalize on this opportunity. Like you, we are a small business. We take our own SB2.0 advice and we are the heaviest users of HubSpot software. Much of the advice you see in this blog is the result of the work/research we are doing for ourselves — when it works well, we share our success with our readers. Mark Roberge — A friend of ours from our MIT days. He works for us a day a week “on the side” while he ramps his own consumer internet startup. His “day job” is full-on consumer internet marketing and he infuses that interesting perspective into our conversation. Most of our customers are selling to other businesses, so we are able to take the best of the consumer marketing practices and apply them to b2b marketers. Originally published Dec 8, 2006 12:13:00 PM, updated March 21 2013 website grader Me — I spent my whole career in sales and marketing and have seen up close and personal how the internet has shifted the landscape and how the old tools and techniques no longer work. I’m unique from Pat and Dharmesh in that I am a mere mortal when it comes to using computers/software, so we are writing SB2.0 and building HubSpot to people at my technical level. blog — Brian Halligan on behalf of the HubSpot/SB2 team. at school that has been exceptionally successful and has heavily influenced our thinking. He’s got a software development background. He’s the sharpest guy I came across while I was over at MIT. We believe the internet gives every small business owner the most unfair competitive advantage they will likely ever have in their entire careers. The fundamental nature of shopping has radically changed in the last decade from one where potential clients are “found” by cold calling sales reps, at trade shows, through seminars, etc. to one where potential clients “find” vendors through Google, Technorati, industry discussion boards, blogs, etc. with sales people getting involved much later in the convincing process. This shift dramatically favors prepared small businesses. The tools and techniques that most small business owners use today feel like relics of the past compared to what is needed for small business owners to take advantage of the internet transformation going on today. We are up to 660 RSS subscribers at this point and around 4000 unique visitors a week in steady state, so I thought we’d pause the normal flow to tell you a bit about ourselves and what we are trying to do for you, our reader. — the product is in beta, but it works well and is delivering a lot of value to our 20 or so beta customers. If you are interested, we also built a Don’t forget to share this post! AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to Email AppEmail AppShare to LinkedInLinkedInShare to MessengerMessengerShare to SlackSlack
Originally published Sep 27, 2010 12:00:00 PM, updated October 20 2016 1. Trying To Optimize A Page For More Than One Keyword Photo Credit: In general, images should be adding flavor and enriching content, and not being the content themselves. There are obviously exceptions, but it’s a good guideline for content pages to have them loading quickly and smoothly for all of your site visitors. We all hate slow websites, so don’t be guilty of that crime yourself. In addition to the human factor, search engines will respond better to sites that are faster by ranking them higher and indexing more of their pages. If you keep these three basic tips in mind when on your website, you can distinguish yourself as a well-optimized site that is very usable for visitors and search engines alike. Topics: Many website and marketing managers think that For a simple exercise on this front, sit back and look at your page, and ask yourself honestly, “What keyword is this page good for? How good is it compared to other pages on that keyword?” Your keyword strategy will reveal itself from there. If there’s more than one keyword phrase revealed, you may be looking at two different pages that were mashed into one. is a very hard struggle that requires very specialized knowledge and software to get started with. That is a myth though – There are many common One page, one keyword phrase. 2. Sloppy Anchor Text Disguising Your Good Links SEO website If your link text on any of your links is “Click Here”, you’ve made a mistake. Take a look at who ranks for click here, and then adjust your links to your new philosophy of keyword consistency. You don’t want to compete with Adobe for “click here”, you’re about to be competing for valuable territory on the search engine results page. Optimizing a page for more than keyword is a simple and common mistake to make. Once you have your list of keywords that you want to rank for, you may have started sprinkling them liberally all over your website. That’s the wrong way to go though – You end up in a world where all of your pages are competing with each other in the search engine’s eyes to be the most important page on your site for that keyword. Usually in that situation, none of them win and you still won’t rank. Search rankings aren’t just about a website doing well, it’s about a specific page ranking well for a keyword, and that page being a good destination for people interested in that keyword phrase. If so, you might be guilty of image bloat. Putting lots of sharp and snazzy images on a website is a great move to make you look good, but think about how large those images are and what they’ll do to folks on slower internet connections – especially mobile users. You can tell how big the images are on your site by right-clicking on them and selecting “Properties” in Internet Explorer, or by going to Page Info -> Media in Firefox. Chrome unfortunately does not make this easy to determine. If you have any single image on your page that is larger than 50 Kilobytes, (~50,000 bytes) or your total page has over 100 KB of images, evaluate how important those images are to your page. Are they adding flavor or are they crucial content to the page? of the links pointing to a page is a critical factor in determining what keywords are important to that page. Make sure that the anchor text of the links pointing in to each page on your site matches the keyword that you’re optimizing for on that page. 3. Images Turning Your Website Into Goliath that can be corrected with only a little knowledge and work, and no fancy software or tools required. It doesn’t need to be so much difficulty if you take away a few powerful lessons on search engine optimization, such as these three common mistakes. ? Did you have a page that took more than two seconds to fully load? Fast sites vs slow sites is the new David vs Goliath. Free Download: Learning SEO From The Expert anchor text Don’t forget to share this post! AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to Email AppEmail AppShare to LinkedInLinkedInShare to MessengerMessengerShare to SlackSlack Having very heavy, large images on a page is another frequent mistake in search optimization. Think about the last time you visited a slow website. Was it your dfinnecy Hint: SEO Mistakes Remember: SEO problems On the above aspect of keyword placement, there is another clear signal to search engines of what keyword a particular page should be ranking for. The
Topics: Chris is often pigeonholed by people as the social media expert. He prefers, however, to think of himself as someone who helps small and medium sized businesses and entrepreneurs. Through his practical advice his goal is to help small businesses work better in a sustainable way. One way he demonstrates his expertise is through his blog which is constantly evolving. The direction he is taking his blog this year is making it more of a journal, allowing people to get inside his thinking process. Personal Branding Chris Brogan is a believer in experimentation and testing. He tends to experiment quite a bit, as witnessed by the number of projects he has going at the same time. One of the things he believes in is testing or trying things before he writes about them. Basically, “If I have not really done it myself, how can I talk about it?” He likens this approach to the actress Julianne Moore who says she does one film for Hollywood and then follows that with one film for the heart. The heart films provide deeper fulfillment, but the Hollywood films offer greater visibility. Chris understands that for people to read the blog posts he wants to write he needs to make sure that he writes those posts that will be searched for. This way he keeps his rankings high and remains visible. “If I am not visible,” he says, “then I am not helpful.” Trust Agent Blog Topics Newsletter He believes in changing his blog periodically to fit the needs of his readers. He likens this to way Madonna changes herself each year and as a result stays relevant. Chris senses that bringing readers more into the inside of how things are done is what they want more of. They’re asking, “What can I take out of Chris Brogan’s world and bring into my world?” ChrisBrogan.com Originally published May 18, 2011 8:00:00 PM, updated October 18 2015 HubSpot is all about helping small and medium sized businesses. We do so through our online software as well as through our blog posts, webinars, eBooks, case studies, marketing kits and videos. We’re obviously not alone when it comes to helping these businesses. Chris Brogan is also all about helping small and medium sized businesses, which he does through practical advice based on his own experience. His blog Chris is one of the most prolific writers on the Internet, and one of the ways he can continue his large output is by writing on the one hand what he wants and on the other writing what he knows will do well online and Content Marketing Experimentation and Testing , a columnist for Entrepreneur Magazine, president of Human Business Works, “entrepreneur in residence” at Cross Tech Ventures, and a public speaker. And there is more. . Social Media 101 Collaborate Chris is believer in collaboration and in helping people do good things. The more people you can help and the more you can collaborate with, the better it is when it comes time to look for a resource or help with a project. This is one way to have the network that can support your efforts. This blog post is based off of David Garland’s interview with Chris Brogan on his HubSpot sponsored web series “The Rise to the Top.” You can watch the full interview below. Chris says that many people try to go for the big project that delivers the homerun. His approach is more toward having many different projects that bring in their own small or medium size revenue stream. His advice is to be hungry for the win rather than hungry for the money. If you go for the win, the money will come. One of his more recent ventures is is constantly in the top 5 blogs according to Advertising Age. He is author of . For $10 a month, subscribers get 10 topic ideas a week for blog posts, plus writing advice. His subscriber base is over 480 people presently, but its growing. Chris believes completely in content marketing. For him, getting people to write great content is a win, and while this is not a home run, it’s definitely a money maker that will only increase in value. One From the Heart and One for the Search Engines In his interview with David Garland, Chris discussed a wide range of topics, including how he makes decisions, accomplishes so much, deals with failure and approaches opportunities. Hungry for the Win, not the Money Don’t forget to share this post! AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to Email AppEmail AppShare to LinkedInLinkedInShare to MessengerMessengerShare to SlackSlack