How to Save Money on School Supplies

You can cut your budget for these essential purchases by knowing when to splurge and what to skip.

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Thrifty Ways to Conquer Your Clutter

You can get organized without hurting your wallet.

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A Complete Guide to Refinancing Your Home Mortgage

Know your home's value and have all your important documents in order before starting this intensive process.

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Here's How Your Résumé and LinkedIn Profile Should Differ

And what employers look for when they compare the two.

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Google U-Turns Back To China With App Store Plan

Bottom line: Google could open a Chinese version of its app store by the end of this year and spend aggressively to quickly gain market share, but would face negative backlash from western critics for its U-turn back into the sensitive market.

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What Modern CRM Looks Like In A Natively-Digital World

 By Sameer Patel, SVP of Products and Go to Market, SAP

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Diffbot Bests Google's Knowledge Graph To Feed The Need For Structured Data

There is so much information on the web, but it has been hard to read it at scale. Diffbot makes it easy to compile exactly the data you need to make apps.

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What Cloud Storage's Changing Forecast Means For Your Data

Cloud storage has revolutionized how we store our memories, how we collaborate on projects and even how we organize our lives. Many in the tech industry see the cloud as the definitive future of digital storage. But will the cloud of tomorrow look much like the cloud of today?

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Could LightCyber Boost Check Point Software And Palo Alto Networks?

Two publicly-traded security technology companies could get a boost from a privately-held company that's increasing demand for their products.

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Marijuana Businesses Find It Hard To Measure Success

Marijuana businesses attempt to use traditional retail tools to measure success, but they don't always work.

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Rothschild Bank Enters Deferred Prosecution Agreement, Triggering More IRS Disclosures

More Swiss banks are taking their medicine from the IRS and Justice Department, agreeing to provide data and cooperate in exchange for lighter and more predictable penalties.

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Another Tax-Exempt Marijuana Church---Green Faith Ministry

Tax exempt status is good, and church status is even better. Marijuana churches seem to be growing like weeds.

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Review: 'Entourage' Delivers What You Expect, No More, No Less

Entourage hits town this weekend, and it's exactly what it says it is, and what you should expect it to be: a big-screen version of the hit HBO television series that ran for eight mostly-acclaimed seasons, garnering lots of awards along the way. In this day and age where everyone gets nostalgic for whatever happened five minutes ago and every old TV series gets revived by a streaming service, it was inevitable that Entourage would finally get revived for the big-screen after four long, grueling years off the air. People even speak about the show representing a "different time" when its endless parade of half-dressed women and celebrity cameos was supposedly more socially acceptable, as if the mid-2000s are some bygone era that's hard to remember other than in old newsreel footage or something.

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Factors That Can Alter Bed, Bath & Beyond's Valuation By 10% Or More

Through fiscal 2015, the company expects a slow increase of 2-3% in comparable sales. Net sales are expected to be 90 basis points above comparable sales for the full year. Our price estimate for Bed, Bath & Beyond stands at $70.29 per share, approximately 2% below its current market price. This price estimate incorporates our base case scenario of gradual recovery in the housing market over the forecast period. It also incorporates the expectation that Bed, Bath & Beyond’s investments in omni-channel retailing will achieve scale in the short run.

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How the Application Delivery Network Segment Could Lead To A Significant Upside For F5 Networks?

F5 continues to be a market leader in ADCs with a 52% market share. The company believes that its security business will be the largest growth driver, and expects to see strong demand for its expanding portfolio of security solutions as customers look to adopt hybrid architectures, deploying applications both in premise and in the cloud. It believes that its existing product portfolio, its hybrid application services, strategy, and its future product roadmap are a key to enabling in-line customer and market trends.

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Guess's Shares Up On Better-Than-Expected Earnings, But There's Nothing Promising

Despite the substantial fall in revenues, Guess surprisingly reported profits of $3.3 million with operating margins of 0.9%, better than its earlier guidance of -1.5% to -1%. In comparison, it had reported losses of $2.1 million in the year ago period. The significant improvement in Guess’s bottomline performance can be attributed to a weak comparable period, tight expense management, a favorable impact from segment and business mix, fewer markdowns and higher initial markups. On the other hand, negative currency headwinds and the fixed cost structure for stores generating negative same store sales had a mitigating impact.

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Groupon's Goals For 2015 & Beyond (Part 2 Of 2)

Groupon aims to expand its adjusted EBITDA (earnings before interest, taxes, depreciation and amortization) by more than 25% in 2015 and beyond. We think the company could easily surpass these targets this year on account of its strategies to enhance margins in the goods’ and international businesses. We expect North American goods business to see improvement in profitability over the coming quarters, helped by various measures to reduce shipping and fulfillment expenses. The addition of third-party merchants will further boost margins in the goods segment. In addition to these factors, we also forecast profitability to improve within the rest of the world geography, owing to cost cutting and restructuring initiatives.

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Why We Are Revising Our Price Estimate For Time Warner Cable

Time Warner Cable has been doing well on its own too. The company reported extremely strong subscriber numbers in its last quarter. Time Warner Cable added 315,000 high-speed data subscribers in what was the company's best quarter in terms of subscriber additions since Q1 2007. The company also registered its first quarterly increase in its pay-TV subscriber base since the Q1 2009. Additionally, Time Warner Cable experienced their best quarter ever in terms of net subscriber additions in residential customer relationships, residential triple play and voice. Consequently, we are revising our price estimate for Time Warner Cable to $183.

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Key Challenges Besetting eBay's Marketplaces Segment

It has faced traffic-related challenges owing to a security breach and to updates in the Google Panda algorithm. We expect these headwinds to persist in the near term, as it could take a few more quarters before the company can fully overcome these challenges. Moreover, the significant appreciation of the U.S. dollar has impacted the company’s cross-border trade business, and certain demographic trends have caused a drop in selling prices on the platform. On account of these challenges and increased competition in the e-commerce market, we have forecast the transaction revenue growth in the marketplaces segment to somewhat lag the overall e-commerce market over our forecast period.

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Mobilegeddon Hits and Misses

A month into Mobilegeddon, columnist Bryson Meunier examines five sites hit hard by Google's mobile update, and five queries that still need work. The post Mobilegeddon Hits and Misses appeared first on Marketing Land.

Please visit Marketing Land for the full article.

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Bored of the Same Old Recipes? 9 Free Cookbooks to Spice Up Your Kitchen

Ask anyone the best way to save money, and they’ll probably tell you, “eat at home.” Buying lunch at work adds up every day, and taking the family out to eat can be scary once the bill arrives.

But cooking at home isn’t always easy. If you’re short on time, feeding family members with special dietary needs like gluten-free or diabetic, or just bored with your go-to recipe, you might find yourself avoiding the kitchen altogether.

I’ve found a few free cookbooks to help you change that. These PDF guides are completely free (except for the third one on the list, which charges $1 shipping), and are easy to download onto your computer or tablet. And you won’t have to call grocery stores to find special ingredients — all of these cookbooks use typical ingredients you can find in a snap at your local grocery chain.

Here are nine ways to get your hands on free recipes, so you can cook up something new tonight!

1. Good and Cheap

This cookbook was designed to provide flavorful, interesting recipes for families who cook with limited means — and often with government assistance. But regardless of your own financial situation, author Leanne Brown proves that you really can “eat well on $4 a day.”

Most dishes have quick, simple recipes, with ingredient lists that won’t have you running all over town. And if you’re feeling ambitious, flip to the back of this free PDF guide for instructions for making your own pasta and dumplings.

2. 21 Days to Better Diabetes Control

How about a new recipe for each day of this three-week plan? From pizza bites to smoothies to spinach casserole, these recipes are simple and and tasty — regardless of your dietary needs. The plan is perfect for printing, and includes space to keep a food journal about the things you make and eat.

You’ll need to provide an address and phone number, and answer a survey about your health. But in return, you’ll not only get free recipes; you’ll also be able to get your hands on some coupons and discount programs.

3. Disney Cakes & Sweets

I’m not going to make any health guarantees about these recipes, but they will be very sweet! This one requires that you sign up for one of those free trials, but not only will they send you a Disney cookbook, they’ll also send you a Mickey Mouse cookie cutter and a set of cupcake stencils ($1 for shipping).

The recipes include tips about how to involve kids in the baking process, even if they’re too young to work the oven. If your family has a birthday party on the horizon, this is a must-have!

4. Tablespoon’s Spring Parties 2015 Cookbook

Sign up for Tablespoon to get access to tons of free recipes and coupons for General Mills products. The spring freebie is great all-year round and includes ideas for brunch, occasions like baby and bridal showers, or a simple weekday cookout.

When you sign up, you’ll also get “Top 40 Rainbow Recipes” delivered to your inbox, for those days when you just need more color in your menu.

5. Celiac Central Gluten-Free Choices

It’s easy to download this book of spring-and-summer recipes, a must-have for families with a Celiac sufferer. You get five recipes, including some yummy dessert options.

Provided by the National Foundation for Celiac Awareness, Celiac Central’s resources include a long list of gluten-free food bloggers for even more ideas.

6. Healthy Vegan Recipes

Vegan cooking doesn’t have to be boring. A quick online signup with Eating Well gets you a handful of recipes ranging from salads to burgers. (Yes, burgers. The secret: lentils, a savings superfood!)

Eating Well also offers free email newsletters packed with recipes and tips, and you’ll get a chance to sign up for your favorites when you download the cookbook.

7. Slow Cookin’ Magic: 28 Scrumptious Slow Cooker Recipes

Like to set it and forget it? This one’s for you, king of the Crock Pot. From roasts to stews to sides, most of these recipes have just three steps — or fewer!

Sign up for the Mr. Food’s Test Kitchen “Quick & Easy” Everyday Cooking newsletter to download this collection.

8. Bodyworks: A Toolkit for Healthy Teens and Strong Families

This PDF is massive, with more than 120 pages of recipes, ingredient guides and cooking shortcuts. It focuses on healthy eating, but many of the recipes add healthy extras like fruits and vegetables rather than taking away tasty ingredients.

This cookbook doesn’t have many photos, but hey — there’s no pressure to make your plate look as perfect as the one in the book!

9. Pinch of Yum’s eCookbook: Top 25 Recipes of 2014

Sign up for this popular food blog’s newsletter, and they’ll send you a free cookbook with 25 of their favorite recipes. With categories like “Whoa Salads” and “Lotsa Pasta,” it’s hard not to love this cheeky take on home cooking. There’s even a recipe that dresses up instant noodles to look (and taste) like they came from a restaurant.

But wait! There’s more. Three weeks after getting this first freebie by email, you get the previous year’s top 25 recipes. Fire up the stovetop!

Your Turn: Know of any more free cookbooks we should get our hands on?

The post Bored of the Same Old Recipes? 9 Free Cookbooks to Spice Up Your Kitchen appeared first on The Penny Hoarder.

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Leaked TISA Documents Reveal Privacy Threat

Under the draft provisions of the latest trade deal to be leaked by Wikileaks, countries could be barred from trying to control where their citizens' personal data is held or whether it's accessible from outside the country.

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Obama's 'Pivot' Policy Toward China in the South China Sea Sure to Backfire

A “crude summary” of Lyle J. Goldstein's book’s “general thesis” is “to suggest...bestowing or even deputizing Beijing with a larger role in the Asia-Pacific region, and especially in its backyard... Is this not,” he writes, “how London courted Washington so that the two could put their long history of militarized rivalry and contentious squabbling behind them to become effective partners on the world stage?”

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Enslaved By Your Alarm Clock? Only 1 In 7 Americans Wake Up Feeling Fresh Every Day [Infographic]

If you feel enslaved by your alarm clock, you certainly aren't alone. According to research conducted by YouGov, only 1 in 7 Americans wake up feeling fresh every day of the week. Traditionally, eight hours sleep has always been recommended as optimal by experts, though many have also suggested seven hours should be sufficient.

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Moody's Upgrades Ocwen Financial Amid MSR Sales, Minimizing Death Spiral Fears

Ratings agency Moody's upgraded the credit rating of Ocwen on Wednesday morning following the embattled company's sale of nearly $100 billions in mortgage servicing rights to competitors such as JPMorgan Chase and Nationstar Mortgage. While Moody's believes the MSR sales will provide cash for Ocwen to deleverage its balance sheet, it warns that the company continues to face "significant challenges to reestablish a resilient business model."

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10 Best New Android and iOS Games 2015

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10 Best Smartphones You Can Buy Right Now

These are the 10 best smartphones in the world right now.

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The Four Key Skills Generation Y Is Missing

A new report identified the skills businesses want, and just as importantly, how to make sure young people get them.

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The Resilient 4: Arming Organizations For IT Disaster Recovery

Band Aids don’t fix bullet holes. If that sounds familiar, you probably heard it in Taylor Swift’s new single “Bad Blood.” Ironically, the words apply very well to the concept of IT disaster recovery. When an organization takes “bullets” via a natural disaster, data breach, an issue compromising employee safety, or the infrastructure of a business’ physical location, a Band Aid just isn’t going to cut it. Your organization needs the right plan, tools, and trusted service providers to get you back up and running. You need a resiliency plan.

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Common Pain Killers And Sedatives Linked To Increased Risk Of Homicide, According To Study

Painkillers and sedatives are associated with an increased risk of committing homicide, claims a new study, including over-the-counter pain meds we use every day.

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Florence + The Machine Get Candid About Their Incredible New Album

Over the period of just a few years, Florence + the Machine have become one of the most critically acclaimed indie rock/alternative pop outfits on the planet, selling millions of albums and headlining festivals left and right (such as this weekend, when they’ll play opposite Drake on Friday night at Governor’s Ball in New York City).

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30 Under 30 In Music: The Class Of 2015

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Why Higher Education Institutions Need CMOs

It’s arguable that there is no industry where the marketing function is in a greater state of flux than higher education. Elizabeth Scarborough, CEO and Partner of SimpsonScarborough, a leading market research firm used by academic institutions across the U.S., indicates: “Less than two decades ago, marketing within higher education was a service function rather than a strategic function that drives admissions, recruitment, and fundraising. Few institutions had marketers and those that did rarely leveraged the expertise of marketers to help recruit better quality faculty and staff, admit higher quality students, or increase fundraising.” It’s arguable that there is no industry where the marketing function is in a greater state of flux than higher education. Elizabeth Scarborough, CEO and Partner of SimpsonScarborough, a leading market research firm used by academic institutions across the U.S., indicates: “Less than two decades ago, marketing within higher education was a service function rather than a strategic function that drives admissions, recruitment, and fundraising. Few institutions had marketers and those that did rarely leveraged the expertise of marketers to help recruit better quality faculty and staff, admit higher quality students, or increase fundraising.” However, this is changing … fast. I recently spoke at the AMA’s CMO-only event where the rise of the CMO in higher education was chronicled. There is good news and bad news. In the CMO Impact Study, conducted in conjunction with CMO.com, turnover in the CMO position is much lower (and stability is much higher) in higher education institutions relative to their non-higher education counterparts (see below). However, on the flip side, a challenge that CMOs in higher education have to manage is the lack of “customer centricity” within their organizations. In a question regarding the degree to which their organization is “driven by customer needs,” the average CMO in higher education gave a rating of 3.53 versus 4.54 for CMOs in non-higher education organizations (higher rating is better). Although the sample size was small, it provides some directional insight into the benefits (stability) and challenges (lack of customer orientation) that higher education CMOs face. In this article, I share some insight from the AMA conference regarding why higher education institutions need cabinet-level marketers today and what this means for the future of the CMO role in higher education.

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Bolt Threads Raises $32 Million To Make Gene-Engineered Fabric Grown In Fermentation Vats

Bolt Threads has been one long science experiment. Founded six years ago by three PhD scientists, the company makes genetically-engineered fabric it grows in fermentation vats. But now the company needs to turn itself into a business.

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Moody's Upgrades Ocwen Financial Amid MSR Sales, Minimizing Death Spiral Fears

Moody's believes the MSR sales will provide cash for Ocwen to deleverage its balance sheet, it warns that the company continues to face "significant challenges to reestablish a resilient business model."

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Something More Important Than How Much You Are Paid . . . and Seven Ways to Improve it

By Diana Schneidman What is more important than how much you are paid for your freelance, work-at-home assignments? Many people would say “nothing.” After all, for a person trying to make a living, what you are paid is darned important. Some would give a more spiritual answer. Perhaps self-fulfillment is more important. Doing work you […]

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Xiaomi-Backed Kingsoft Falls 3.4% In Hong Kong On Stock Sale

Shares in Kingsoft Corp., the online game and cloud storage company backed by China smartphone vendor Xiaomi and its billionaire chairman Lei Jun, fell 3.4% in Hong Kong today after the company said it would sell new shares. Kingsoft plans to sell 100 million new shares, or a 7.7% stake in

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Free Windows 10 Upgrades Now Even Better Value

Microsoft revelation makes upgrading a no brainer...

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Wind Industry Ignores Bird Conservationists

Voluntary attempts to get the wind energy industry to stop putting turbines in areas of vital importance to birds and other wildlife have failed, and a mandatory permitting system is needed. Audubon and the American Bird Conservancy have already done the legwork to determine where the major migratory routes, breeding areas, and other sensitive bird habitats occur. They comprise less than 9% of the total U.S. land area, so are easily avoided without any economic impact to the wind industry. The least the industry can do is read it.

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Bill Clinton Honors Paul Farmer, The Doctor Out To Save The World

Renowned doctor Paul Farmer accepted the Forbes 400 Lifetime Achievement Award for Social Entrepreneurship on Wednesday night and received a rousing ovation from 200 billionaires, national leaders and social entrepreneurs gathered at Carnegie Hall in New York during the fourth annual Forbes Summit on Philanthropy.

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Las Vegas Sands Partner Among Newest China Billionaires

A China stock rally that has spawned more than 100 new billionaires and billionaire couples in the past several weeks continued to generate newcomers of that elite group in recent days.  Here are some of the members:

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What You Need To Know About This Year's Belmont Stakes

The Belmont Stakes is called the Test of the Champion, but perhaps most tested last year were the tens of thousands of customers who showed up last year to see if California Chrome could win the Triple Crown.

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The Field, Odds, And Storylines For The 147th Belmont Stakes

The field, post positions, and odds for the Belmont Stakes.

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10 Decorating Tips For Older Homes

Preserve the personality of the past while designing for now with these tips for paint, rugs, window treatments and more

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Apple Devices Vault Ahead In Online TV And Video Viewing

Apple is no longer expected to debut either a new Apple TV streaming device or a subscription TV service at its annual developers conference starting Monday, but a new study from Adobe says it's already gaining share of online TV and video watching.

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New Social Network Launched Exclusively For Marketers

“There hasn't been a dedicated social media network for the world's hundred million marketers until now” claimed Ron Young, founder and CEO of Shocase, when he previewed the new platform for me recently. “We believe that the trend for vertical social networks is inevitable. ” Shocase recently launched as a place where marketers can exhibit their work, educate themselves with the latest industry news and network with one another. Some large ad agencies and client-side marketers are already on the network.

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Pulsar Teams With DataSift To Offer Facebook Topic Data

Social analytics provider is the second firm to partner with DataSift to give clients access to Facebook's rich stream of consumer data. The post Pulsar Teams With DataSift To Offer Facebook Topic Data appeared first on Marketing Land.

Please visit Marketing Land for the full article.

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5 Weird Ways to Save Money: Would You Wear a Swimsuit From the Lost and Found?

Are you willing to do whatever it takes to save an extra buck?

While we’ve shared ideas on everything from the practical to the downright weird (um, permanent makeup?), we gleamed a few new tactics from the Huffington Post when they asked their some popular bloggers and financial experts: What’s the weirdest thing you did to save money?

The lesson learned from these financial gurus: anything is possible when it comes to saving, and you can always come up with more weird ways to save money. Though not every tip here will be applicable to you, there’s always another option for saving or cutting expenses. Nothing is off limits, so don’t be afraid to try out some of these methods to see what works for your lifestyle.

Here are five of our favorite strange strategies from the roundup:

1. Search the Lost and Found for a Free Swimsuit

After realizing the hotel he checked into had a pool, Jeff Yeager of the Ultimate Cheapstake decided not to buy a new swimsuit and instead asked the front desk clerk if he could take the swimsuit in the Lost & Found. Not only did the clerk say yes, she even allowed Jeff to keep it because it had been in the lost and found for more than 30 days. Score!

“Lesson learned,” says Jeff. “It never hurts to ask.”

2. Buy Secondhand Ski List Passes

Maria Nedeva of The Money Principle stood at the bottom of the ski slope and asked people who finished skiing for the day to sell their ski lift passes at a discounted rate. She asked 20 people and got three ski lift passes as a result of her efforts. Not bad considering ski passes can often cost more than $100!

“It was a powerful and empowering experience that took me far beyond my comfort zone,” Maria said.

3. Dress in Costume for a Free Burrito

Who doesn’t love Chipotle Burritos? While in college, David of Young Adult Money and his buddies dressed in costume during Halloween and scored free burritos. David and his friends even went so far to go to six different Chipotle’s to collect free burritos at each.

Though Chipotle no longer gives free burritos during Halloween, they do offer a discounted burrito to celebrate the nation’s scariest holiday. Visit the store in costume next Halloween for a $3 Chipotle burrito.

4. Wax Your Hair Away at Home

Talk about brave! Shannon of Financially Blonde waxed her own eyebrows right at home.

“The entire experience scared me and I almost dripped hot wax on my eyeball, but I learned that I could do anything if I just put my mind to it,” Shannon told the Huffington Post. “I now wax my own eyebrows regularly, and I have no fears whenever I do it.”

5. Sleep in Your Car

Forget those hotel fees! During a trip to Cedar Point amusement park, Brian of Luke1428 and his wife opted to sleep in their car instead of paying for a hotel. Though Brian says he would never do it again, we bet they saved themselves a pretty penny that night.

Want to know other weird ways people have saved money? Read the full post over at the Huffington Post.

Your Turn: What weird or unusual ways have you saved money? What lessons did you learn from your experience(s)? 

Maryann Akinboyewa is a social media strategist and writer. Say hello on Twitter @himaryann.

The post 5 Weird Ways to Save Money: Would You Wear a Swimsuit From the Lost and Found? appeared first on The Penny Hoarder.

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France's Nuclear Industry Dream Faces Melt-Down At Expense Of State Coffers, Tax Payers

France decided to rescue its Areva nuclear energy company once again, this time by combining the nuclear power station business with state-controlled power operator EDF, its biggest client. The creation of Areva in 2001 was not a solution; it was an expedient to delay a painful restructuring. Will France now take the bull by its horns? Or will there be another elegant compromise that will keep the frayed flag flying over an ailing former darling sector… until the next crisis?

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Food Multinational, Nestle, Caught In Food Safety Storm In India

The India unit of the world’s largest food company by revenues, Nestle, is in serious trouble after multiple regional governments banned its popular instant noodles brand, Maggi. The brand has also been banned in the outlets run by the Indian Army, possibly the country’s single-largest buyer of packaged foods, and pulled off the shelves of large supermarket chain, Big Bazaar. India's government has complained to a government consumer authority that the company was engaged in 'unfair trade practices' in the sale of Maggi.

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