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Investing Made Better

Investing Made Better
Source: Betterment's calculations using a $100,000 portfolio; Mutual fund assumes average expense ratio of 1.4% (ICIFactBook, 2012), Typical Advised ETF assumes a 10 fund portfolio with 4 rebalances per year, trading costs of $8.50/trade (average of Etrade, Scottrade, Schwab, Fidelity), 0.44% average ETF expenses (Morningstar Investment Research) and 1% annual average advisory fee (PriceMetrix). Betterment costs include annual advisory fee of 0.15% plus current average portfolio expenses of 0.19%. Ongoing Annual Cost Comparison Get more from every dollar you invest with our tax-efficient automated rebalancing, and one management fee as low as 0.15%. Every transaction and trade is free. We have no hidden costs.

Behind the Fin Tech buzz As a culture, we place great value in the latest and greatest in products and industries. Now that the cloud is turning from trendy to hoary, the new hot topic is “Fin Tech”. But what is Fin Tech exactly and does it have the possibility to be as transformative as the cloud is proving to be?

EXPERIENCED PROFESSIONALS - Warner Bros. Careers Warner Bros. is committed to being an equal employment employer offering opportunities to all job seekers including individuals with disabilities. If you believe you need a reasonable accommodation in order to search for a job opening or to apply for a position, please contact us by sending an email to This email box is designed to assist job seekers who require a reasonable accommodation to the application process. A response to your request may take up to two business days. In your email please include the following: The specific accommodation requested to complete the employment application The Warner Bros. location (s) (city, state) to which you would like to apply

Morningstar UK adopts programmatic with Improve Digital Global investment firm optimises online advertising with the Improve Digital 360 Platform Morningstar, Inc, a leading global investment research and management firm, is set to expand its sales strategy into programmatic advertising for the first time in the UK. This move is made possible by a new partnership with Improve Digital, Europe’s leading programmatic advertising technology provider for premium publishers. Morningstar offers access to and objective information on more than 9,000 funds available to individual investors in the UK via its online platform. The site also offers independent editorial content produced by Morningstar analysts and journalists based in London and around the serves individual investors and the advisers that serve them. Its registered member base includes all levels of investors- from beginner to experienced- who rely on Morningstar’s independent analysis and innovative tools to help them make informed investment decisions.

Chippmunk Eligibility: Chippmunk’s Contest (the "Contest") is open only to legal residents of the 50 United States and the District of Columbia over the age of 18 with access to the Internet and a valid email account. All employees of Chippmunk ("Sponsor"), all associated agencies and their respective affiliates, licensees or agents (collectively, "Contest Entities"), and their immediate family members (spouse, parent, child, sibling and their respective spouses) and those living in the same household of each (whether related or not), are ineligible to participate in the Contest. All applicable federal, state and local laws and regulations apply. Void where prohibited or restricted by law. Entry in the Contest constitutes your full and unconditional acceptance of these Official Rules.

FinTech Revolution: How Startups Are Changing Finance The FinTech Revolution is happening. Tech ventures are revolutionizing the financial industry. In this article, I focus on the reasons of this revolution from a strategy perspective. And I present some of leading startups that are being part of the FinTech Revolution. The Internet encouraged innovation in the book industry (e.g. 20 Simple Ways To Save Money On Groceries Photo credit: Harrison Eastwood via Getty Images Grocery stores are expensive. It's all too easy to go in for a couple of items, only to leave with an empty wallet. Since we all have to eat, there's really no way around this -- despite the high costs, buying groceries and making homemade meals is still the cheapest way to get fed. We have good news, sort of: Chances are, we're throwing down way more money than we should. In other words, there's a way to spend less on groceries.

Digitisation replaces regulation as top concern for retail banks Retail banking priorities 2015 [Click to Enlarge] The need for a digital strategy has leapt to the top of retail banks’ agendas over the past year, replacing regulatory issues, as they look to fend of competition from tech and e-commerce rivals. Sponsored for the second year by financial software specialist Temenos, the EIU canvassed 208 banking executives internationally for their views on the challenges and changes they expect over the next five years. This was followed by 22 in-depth interviews. While regulatory changes are still seen as having the most effect on the industry overall, banks are no longer listing the need to respond as a primary concern – in last year’s survey it was rated top priority by 49% of respondents; this year that has fallen to 35%.

Buy Gift Cards: Discount Gift Cards from Over 1,000 Stores The Raise marketplace makes it easy to buy gift cards online at a discount so you can save on a wide variety of brands, retailers, and restaurants. Search by brand name, highest discount, price, category, or card type to find the gift card that best suits your budget and your lifestyle. Whether you shop at retail stores like Home Depot, Macy's, Walmart, and Target or the ever popular Starbucks and Whole Foods, you'll come across hundreds of discount gift cards to choose from on Raise. As we are a marketplace, gift card brands and discounts will vary at any point in time, with current prices averaging 21.6% off. Our gift card exchange offers physical gift cards, electronic gift cards, and printable vouchers so you can shop online or in stores, and we provide free shipping on all orders to make a good deal even sweeter.

Financial software design is being transformed by fintech The startup revolution is changing paradigms in every industry including financial software. The term fintech was coined to refer to all companies providing financial services through technology. Fintech startups compete with established industry players in a fight where financial power is not the key differentiator. To set themselves apart, the smaller fintech players placed a bet on design and user experience, and as it turns out, it was a winning bet that helped them acquire and delight new customers.

19 Freaking Amazing Ways to Save at T.J.Maxx 1. The best time to shop T.J.Maxx is Wednesday morning. New product shipments arrive daily at T.J.Maxx, but markdowns and new inventory almost always come out Tuesday – Friday. 22 Websites That Will Pay You to Write for Them Wise Bread Picks You'd like to get paid to write online, but many websites are looking for contributors with experience. If you don't have significant experience, what can you do? Britain’s quiet fintech revolution has begun – and we’re determined to back it Whisper it, but there is a quiet revolution going on in British banking. If you don’t work in the financial world, you may never even have heard of the UK’s burgeoning financial technology or “fintech” sector. And you almost certainly won’t know about the opportunities it offers. So what is fintech? For me, it is a growing cluster of innovative tech businesses with connections to the financial world, with the potential to make that world a more efficient, easy and exciting place to navigate. Taken together, fintech could transform the way we, as customers, live our lives and do business.

The One Tiny Change That'll Improve Your Entire Job Search You’ve got a sparkling resume, a well-written cover letter, and enough interviewing practice that you feel like you could answer virtually anything that’s thrown your way. So, why aren’t employers interested in what you have you offer? Are you just not qualified enough? Are you not destined for your dream job? The problem may not have anything to do with your qualifications or abilities; it’s likely that you’re trying to sell the wrong skills. The good news, though? FINTECH: BANKS NEED TO PLAY CATCH-UP Special Report | Banking Systems & Technology Keeping up with corporates’ increasingly sophisticated demands for more streamlined and well-integrated solutions is proving challenging. Technology is central to the modern treasurer’s toolkit. “When it comes to good risk management—whether that is regulatory, operational or market-related—technology is at the core of our discussions with clients,” says Chris Jameson, head of corporate sales, Western Europe, at Bank of America Merrill Lynch.