How to Change Your Spending Habits when Your Salary Goes Up (or Down) I struggle with Ramit's percentage-based automation. Not everything can be boiled down to a percentage; most bills are fixed, like rent. If my income goes down 20%, I can't just allow my automatic allocation to bills go down with it; I have to make sure it still covers my fixed bills. That then has a ripple effect on the rest of the percentages in the budget. For example, assuming I make $50k/yr, and my fixed bills are $1,500/mo, that amounts to 36%, leaving 64% for the rest of my budget. And the idea of allocating a set percentage of income toward savings doesn't take into account your specific goals and their timelines. I'm not trying to criticize, because I really want to be able to put my finances on autopilot, but when I sit down to actually do it, I just don't get it. How do you even choose your percentages from the start?
Y Combinator Startup Priceonomics Tells You How Much To Pay For Any Used Product You want the best price on things you buy second hand, but finding out how much you should pay is a hassle. Removing this friction from a lucrative part of the purchase funnel is the goal of Priceonomics. The first startup out of the winter 2012 Y Combinator batch, Priceonomics has crawled the web to compile its next-generation price guide. It launches today featuring 10 million prices on 50,000 products, and plans to expand across verticals soon. Here’s how it works. Let’s say you want to buy a TV on craigslist, a bike on eBay, or something from the TechCrunch holiday gift guide. Most listings I clicked had already been sold, but the site is designed for you to discover what you should pay, not necessarily where to buy. There’s also browsable price guides for specific product types. Used product price guides aren’t new, especially for cars, but Priceonomics does it right. I asked Flaxman why Priceonomics is different from existing price guides.
Free Tools Welcome to Small Business CEO’s free management and leadership resources page. We have compiled a group of really helpful websites that offer free management tools and resources for your small business. There are lots of free ebooks, business templates, checklists, business forms, white papers, free pdf files, and worksheets to choose from. Business Owner’s Toolkit – A large collection of free business forms, free tools, business templates and checklists that includes a variety of topics ranging from employee management, safety, asset protection, marketing, recruiting and hiring, IRS tax forms, compensation and benefits, government contracting forms and so much more. They also have a business card exchange where you can network with others in your industry. Free 21 Page SEO Guide – Are you trying to increase traffic to your website? Free Small Business eBooks- A simple, free registration will give you access to nearly 200 free small business ebooks.
Meetings.io Seven Under-the-Radar Financial Hacks Everyone Should Know About A few notes on the home equity piece.... Borrowing against home equity will almost certainly require an appraisal of your home, which costs $300 - $400+ that you pay out. Whether or not you go ahead with the home equity loan, you eat this cost. But there's a catch - because banks got burned so badly giving out trash mortgages in the last decade (their own fault), odds are the appraisal value you get on your house will be abysmally low. SpotMe Payments: A Great App For Settling Up SpotMe, a handy little tool for sharing expenses in groups, is now a top 10 mobile app in the finance category and a featured app in Apple’s App Store Rewind 2011. Zornitza Stefanova, the CEO of SpotMe’s maker Boomerang Digital, describes the app as “a social messenger for payments.” What that means is that the app takes over the often uncomfortable job of having to ask your friends for the money they owe – it does that for you. An early version of the app was launched this July, but the most recent update just arrived mid-December, bringing with it helpful new features like messaging and email summaries. After installation, you can sign up for an account using Facebook and then add friends to a group by pulling their info from your phone’s address book or by typing in an email manually. It’s really fast to set up the bill you’re splitting, the money you lent, the rent, or any other expense you want to split with others. We definitely needed an app for that.
Useful Websites Here is a list of websites we have featured in the past that might come in handy. Remember to set FuckingHomepage.com as your start page if you haven’t already. Educational/Learning favoriteandforget.com – Useful and educational links updated daily. Set it as your homepage and forget about it.khanacademy.org - video lectures on just about any subjectted.com - lectures by smart peopleinternetisuseful.com - for every educational website or useful web app out thereacademicearth.org - classroom lecturesfreerice.com - expand your vocabulary while feeding the hungrylizardpoint.com - a collection of geography quizzesmathrun.net - timed math quizzesclassicshorts.com - the best short storieserowid.org - learn about drugsqwikia.com - turn a Wikipedia article into a videounplugthetv.com - a collection of intellectually stimulating videosfactsie.com - a place to learn amazing and unusual historical and scientific facts Learn Skills Useful Web Apps Entertainment - Music, Movies, Sports, Books
Tracking Web Page Changes It is difficult enough tracking down relevant and useful sites, but keeping up with changes to the pages is an impossible task when you have more than a dozen or so to monitor. Link checkers such as Xenu Link Sleuth ( can alert you to pages that have disappeared or that are redirecting users to another site, but changes to the content are equally if not more important. There are many services that track web page content for changes. Some are free whilst other priced services may offer limited facilities as a free taster. This overview looks at two types of services: web based services and software programs for PCs and Intranets. Web based services Change Detection URL: This is a free service allowing you to track an unlimited number of pages. Femtoo URL: This service allows you to have up to 3 "trackers" with 30 checks per month free of charge. FollowThatPage URL: Page2RSS
RxAssist Finds Patient Assistance Programs for Discount Medicine Online Marketplace For Designer Fashion Boutiques FarFetch Raises $18M From Index Ventures FarFetch, and online marketplace for independent fashion boutiques, has raised $18 million in funding from Index Ventures, eVenture Capital Partners and existing investor Advent Venture Partners. This brings FarFetch’s total funding to $24 million. Launched in 2008, Farfetch.com is marketplace which brings independent fashion boutiques from Europe and North America under one roof. The company says its is currently seeing an annual sales growth rate of 204 percent. The new round of funding will be used to expand and deepen FarFetch’s brand and operational presence in its existing markets across Europe and North America, and for strategic growth efforts into new markets in the United States and Brazil and Asia. In particular, FarFetch is aggressively expanding to the U.S. 2012, and will be opening up an additional office in New York.
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Lightbank Backs Belly, A Customer Loyalty And Rewards Platform For Local Businesses A new Chicago-based startup is emerging today as a contender in the local business customer loyalty and rewards space. Belly (formally Bellyflop) is hoping to replace those old punchcards you receive at local merchants. And the startup is debuting with an investment from Lightbank, the venture firm founded by Groupon co-founders Eric Lefkofsky and Brad Keywell. While the exact amount of the investment was not disclosed, we understand it is in the seven-figures. Belly wants to reinvent customer loyalty rewards through gamification and digital check-ins. But the startup has a slightly different take on how to achieve this. Merchants pay a monthly subscription unlimited Belly cards to hand out to customers, in-store marketing materials and secure access to customer data that reveals sales, points and redemption data, as well as insights into foot traffic and card usage patterns. Belly faces competition LevelUp, Perka, PerkVille, PunchTab and others.
make extra money:more than 100$ each month,coming soon... forget all the ads you read here offering you the chance to get easy money, they don't work and all they are is to draw you in to what could best be described as an on-line scam. Just think about it for a moment, if you could make money as easy as what these people would suggest then we'd all be doing it then who would do the real jobs in society like the street cleaners, bus drivers etc.,try to e-mail these people, they all have their e-mails blocked so you can't contact them, hmm, I wonder why? every day we surf on internet and we find article like those:Have you ever wanted to earn cash online? i was searching for methods and tips to get paid from internet and i found a lots article about google adsens or clickbank,amazon,ebay,,,but no one give us the real tips,but if we need it we have to pay for books or videos to make money thats true? i found those webs in internet to get visitors and exchange traffic or likes on ficeboock,tumblr,youtube...you can check it out here: i'm here
Spotzot, The Startup Powering Deal Targeting For Apps Like Shopkick & ShopSavvy, Raises $2.2 Million Spotzot, the platform that powers deal targeting for shopping applications and web sites, today announced that it has closed $2.2 million in Series A funding. The round was led by Cervin Ventures, Inventus Capital Partners and TiE-Silicon Valley Angels. So what is Spotzot? Simply put, the startup enables brands and retailers to reach new customers by way of promotions and coupons that are displayed across a growing network of shopping apps and sites, which include ShopSavvy, Shopkick, CardStar, and Geodelic — to name a few. The startup searches thousands of sources each day for both in-store and online promotions that are valid at over 400,000 merchant locations; it then organizes and categorizes those deals and delivers them through free publisher APIs to power things like loyalty programs, comparison shopping, and local checkins. And, for advertisers, this enables them to engage customers with contextually relevant content, i.e. promotions, ads, or offers.