Q1 2015 U.S. Banking Review: Third-Party Mortgage Servicing Portfolios

A quick glance through the table highlights how closely the mortgage servicing business is tied to the mortgage origination business, as we detailed in our recent article Q1 2015 U.S. Banking Review: Mortgage Originations. It should be noted that the total servicing portfolio for each of these banks is larger than the figures seen here, as each of them also services the mortgages they originate and retain. Therefore, the banks that are known to focus considerably on mortgage lending (Wells Fargo and U.S. Bancorp), are the ones who have seen positive movement in their third-party mortgage servicing portfolio over this period.

Source Forbes - Markets http://ift.tt/1KQ4IpM

Exploring Adobe's Base, Bear And Bull Cases — Part One

Adobe has successfully transformed its business from perpetual licensing to a cloud-based subscription model. Investors have given a thumbs up to this transition as indicated in the stock's performance over the past few years. While the rise in stock price has been meteoric over the past two years, when it rallied from $38 in 2013 to over $80, most of its future depends on increasing adoption of its Creative Cloud and marketing cloud solutions. In part one of the note, we explore the base case for the company. In Part two, we explore the bull and bear cases.

Source Forbes - Markets http://ift.tt/1eXMUz5

How to React When an Interview Doesn’t Go as Planned

Don't be rattled by these five common surprises.

Source U.S. News - Money http://ift.tt/1G6LcEn

Don’t Let Summer Wreck Your Budget: 7 Real-Life Savings Strategies

Summer is here! To those of you who endured a long and cold winter, it’s reason to celebrate. But don’t take the celebrations too far: Because of the laid-back spirit of the season, it’s easy to lose track of your budget this time of year.

To help you out, our friends at LearnVest rounded up the summer savings strategies of seven real people. Here are some of our favorite ideas from their list of ways to save money this summer.

Rent Out Your House

If you’re planning to travel this summer, why not try to make some money off your house or apartment while you’re away?

“It’s the perfect way to enjoy lengthy summer getaways without breaking the bank,” Erica Zidel told LearnVest. She earned $2,000 by renting out her home during a month-long trip to Spain, which was almost enough to cover accommodations for her entire vacation.

Airbnb is probably the most popular way to rent out your home — and if you do it for 14 days or fewer per year, you won’t even have to pay taxes on the money you earn!

Pause Your Gym Membership

When it’s beautiful outside, chances are you won’t want to spend the day in the gym. So take your workout outdoors.

“To take full advantage of the warmer weather, I’ve frozen my $99 gym membership from June to September for the past five years,” Chelsea Dowling explained. “Instead of taking spin or barre classes indoors, I either jog or participate in a free neighborhood yoga class in [the park].”

Depending on how expensive your gym membership is, you could be looking at savings of several hundred dollars or more. And don’t forget: You can even earn money with FitStudio while you do it!

Create a “Nanny Camp”

Have a nanny, but know your kids would love the activities and socializing of a day camp? Maybe it’s time to combine the two.

That’s what Katie Bugbee did. “Together with other families whose kids and nannies we loved, I brainstormed a bunch of entertaining activities and created a Google doc. Then we agreed that each family’s nanny would be responsible for organizing an activity one day a week.”

For her, this “nanny camp” was a huge money-saver, since two-week day camps in her area “can easily run $2,000–$3,000.” Instead of paying those exorbitant fees, she gave her nanny both a raise and a bonus.

Even if you don’t have a nanny, take advantage of free summer activities like geocaching, watching outdoor movies or helping your kids set up their own business.

Just because the temperature is increasing, doesn’t mean your budget has to. For the full list of summer-saving ideas, head over to LearnVest.

Your Turn: How do you plan to save money this summer?

Susan Shain (@Susan_Shain) is a freelance writer and travel blogger who is always seeking adventure on a budget.

The post Don’t Let Summer Wreck Your Budget: 7 Real-Life Savings Strategies appeared first on The Penny Hoarder.

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How to Cut Costs When Flying With Children

You can find ways to keep costs down even while entertaining kids.

Source U.S. News - Money http://ift.tt/1KknWpz

Paragon Gaming’s Vancouver casino project under construction after five-year wait

Las Vegas-based Paragon Gaming has begun construction on a long-planned $600 million hotel-casino complex in Vancouver, B.C., Canada.

Source Business http://ift.tt/1AXbaLY

New Poll Shows Two?Thirds Of Doctors Reluctant To Share Health Data With Patients

The polling question was simple.

Should patients have access to their entire medical record ‒ including MD notes, any audio recordings, etc...?

For many, the response by over 2,300 physicians came as no real surprise. 49% ‒ Access to all records should only be given on a case‒by‒case basis 34% ‒ Yes, Always 17% ‒ No, Never

Source Forbes - Business http://ift.tt/1cFShBm

Tom Silverman On The New Music Seminar Past And Present, The Future Of The Industry, And More

The music industry vet shares his predictions and memories.

Source Forbes - Business http://ift.tt/1T6UUxB

Can Hortonworks Dominate The Hadoop Market?

So, if you are a company that is seeking to use Hadoop, you have plenty of choices. In the face of so many ways to use Hadoop, why will the open source distribution model win big? In a recent interview, Rob Bearden, CEO of Hortonworks, explained his team’s strategy for dominating the Hadoop market.

Source Forbes - Business http://ift.tt/1MBmheE

Apple vs. Google: The Real Winners Are Students with Dyslexia

by Jamie Martin

Source Forbes - Business http://ift.tt/1MBmhez

Survey: US and UK Care The Least About Climate Change [Infographic]

A new YouGov survey spanning four continents and 15 countries has found that the United States and Britain are the main barriers to tacking climate change. Countries from across the world are due to meet in Paris in December to formulate a major international agreement on curbing greenhouse gas emissions, the most significant of its kind in history.

Source Forbes - Business http://ift.tt/1GljLrY

The Resilient 4: Knocking out Information Technology Villains With a One-Two Punch

Sungard AS created the Resilient 4, a series of superhero characters depicting the most critical components to ensuring resiliency in the complex IT universe. “Security,” demonstrates the superpowers needed to protect organizations from security threats: Security’s superior strength, quick reaction time and mighty force shield keeps your data and applications protected during any attempted attack.

Source Forbes - Business http://ift.tt/1FEj8pz

Bremont Watches Talks Partnership With Oracle Team USA & America's Cup

London-based Bremont watches recently announced to me that they would be the official timing partner of the America's Cup overall, as well as Oracle Team USA at the 35th America's Cup sailing race which will take place in 2017. This was slightly odd news. Why was a luxury watch maker steeped in the world of aviation suddenly working on a modern boat race with one of the biggest names in professional competition - Larry Ellison.

Source Forbes - Business http://ift.tt/1FEj7lC

Will HP Enterprise Rescue EMC Shareholders From Upstart Rivals?

Despite an analyst downgrade, slow-growing storage giant EMC appears unconcerned about some of its competitors. And if -- unlike me -- you are an investor, that attitude could be a cause for concern unless you believe that Hewlett Packard will come to the rescue.

Source Forbes - Business http://ift.tt/1FEj7lB

China Now World's Largest Oil Importer; Effect on Global Market

Although data opacity makes objective analysis difficult, market observers reported in April that China has surpassed the United States as the world’s largest oil importer. This statistical inflection point needs context to understand global consumption trends. While oil bulls are anxious about China’s reduced crude growth appetite, fundamental shifts in Chinese currency and domestic consumption strategies point to long-term growth in Chinese hydrocarbon consumption generally. Geopolitical Considerations Keith Johnson wrote in Foreign Policy on May 11, 2015, "... China’s continued and, indeed, deepening reliance on volatile regions for the world for energy supplies, especially the Middle East, points to continued security vulnerabilities for Beijing for decades to come.” The recent South China Seas tensions confirm analyst observations that Beijing has strategic concerns surrounding safe hydrocarbon passage through the Malaccan Straits. China is taking advantage of lower priced crude today and ample crude tanker supply to build offshore and onshore reserves.

Source Forbes - Business http://ift.tt/1JCG0ur

Music Mavericks: Making Money Without The Majors

Source Forbes - Business http://ift.tt/1BRf4AI

Pandora Pays Music Makers Just 4% Of Its Total Income

As the prevalence and importance of the streaming music industry increases, there has been much discussion about fairness, with both sides of the argument chiming in with conflicting reports. Artists say they aren’t making much (if anything at all) from the plays of the music they created, while labels and streaming sites say that there is money there, and it is going to right places.

Source Forbes - Business http://ift.tt/1JCFZqn

Is The 21st Century Cures Act Good Or Bad For The Biopharmaceutical Industry?

The industry might benefit in the short-term by the more rapid approval of experimental medicines. However, the downstream consequences may outweigh any immediate benefits.

Source Forbes - Business http://ift.tt/1KkeLW3

Merck, New England Patriots Boss Bet $30M on Antibiotics Startup, Spero

Merck has done some dramatic things in antibiotics lately. Six months ago, it bought Lexington, Mass.-based Cubist Pharmaceuticals, a leader in the field, for $8.4 billion. Then it laid off a ton of people there. Now it’s joining a $30 million investment in a little company with new ideas for fighting some of the “superbugs.”

Source Forbes - Business http://ift.tt/1MhMNbZ

How This Mom of Four Makes Money from Home

Tell us a little bit about yourself and your entrepreneurial journey. I actually was bitten by the entrepreneurial bug almost nine years ago, right after the birth of my fourth baby. I had been a stay at home mom at that time for about 14 years, and loved it (still do!) but strangely found myself […]

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The TSA's 95% Failure Rate: Be Carefull What You Ask For When Demanding that Congress "Do Something"

Melvin Carraway didn’t deserve to be fired.

Source Forbes - Business http://ift.tt/1HhXzzO

European Airlines Add Fees To Tickets Purchased Through Third-Party Websites

The internet age has brought consumers great power and ease to the airfare booking world. Today, comparing and booking thousands of routes is as simple as opening a browser, pulling up an online travel agent (OTA) like Expedia or Orbitz and picking the lowest fare or route.

Source Forbes - Business http://ift.tt/1IpkoQC

3 Things To Keep In Mind While Undergoing A Corporate Merger

Undergoing a corporate merger of any kind isn’t easy. The clash of cultures, values, metrics and behaviors need to be navigated carefully to preserve performance, build revenue, increase market share and retain talent.

Source Forbes - Business http://ift.tt/1Ipkrfi

Jennifer Lopez, Helen Mirren, Kendall Jenner At The 2015 Tony Awards Red Carpet

All the best looks at the 2015 Tony Awards Red Carpet

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The Red Carpet At The 2015 Tony Awards

Source Forbes - Business http://ift.tt/1B0yxUp

WWDC 2015: Apple Watch To Get Faster Apps With New SDK

Along with a set of updates that will improve the core usability of Apple’s gadgets, the Apple Watch will get a tighter integration with third party apps.

Source Forbes - Business http://ift.tt/1KPLaSt

An 'Ethics Gap' Between Financial Services And Its Customers

Are publicly listed businesses underpinned by the same ethical standards held by the customers they serve?

Source Forbes - Business http://ift.tt/1Kk8g5D

Women: Lift As You Climb

Women can go further and grow stronger when we give up comparing and competing and lift as we climb. When women come together to support one another, it creates a powerful space for collaboration, innovation and the collective advancement of our society." A rising tide lifts all boats.

Source Forbes - Business http://ift.tt/1Gl6rDU

How Would A War In Space Be Fought?

Leaders in the Defense Department have highlighted the increasing importance of space as a domain of modern warfare. In April, Deputy Secretary of Defense Bob Work took the unusual step of delivering a classified speech at the annual Space Symposium to reaffirm that the U.S. military “will maintain space capabilities, through all phases of conflict, regardless of actions to deny us the ultimate high ground.” This raises an important question: How would a war in space be fought? The answer is probably not what most people would expect because the space domain is fundamentally different than other domains of warfare.

Source Forbes - Business http://ift.tt/1HVYd1P

Proof: Women Over 55 Best-Suited For Strategic Leadership

A few months ago, I wrote a blog post about research that showed post-menopausal female whales were significantly likely to be found in leadership positions – that is, at the heads of herds of whales looking for food. http://ift.tt/1DZXrib I compared that research to the lack of human women in similar leadership positions – for example, as members of Boards of Directors. The inference was that female mammals of the sea apparently were building up credibility along with life experience during their lives in order to accede to this position, while female mammals in business were not - often being excluded from the senior management trajectory that propels executives into the board room.

Source Forbes - Business http://ift.tt/1G5Yrp4

New Tales Anime TV Series Announced For Release Next Year

Following the announcement of the new Tales of Berseria game for PS3 and PS4, Bandai Namco are have also revealed that there will be an all new Tales focused anime TV series set for release next year.

Source Forbes - Business http://ift.tt/1HVU4uD

With A Difficult Coworker -- Face Conflict, Don't Avoid It

Dealing with difficult coworkers is never fun, especially when it comes to handling a negative coworker who is bringing down morale. When this happens, don’t shy away from the conflict – face it head on.

Source Forbes - Business http://ift.tt/1HhhKh4

Bridging The Divide Between Smart Technology And Traditonal Watchmaking

The market for wearable tech shows no signs of relenting. And while many are still scrambling to catch the smartwatch wave, one budding startup has been making considerable inroads at delivering a product that doesn’t sacrifice aesthetic appeal at the expense of innovation. Established in Seoul and based in Hong Kong, Kairos is instead positioning itself as a “mechanical watch smartwatch hybrid.”

Source Forbes - Business http://ift.tt/1KPk9Pg

New Poll Shows Two‒Thirds Of Doctors Reluctant To Share Health Data With Patients

The polling question was simple.

Should patients have access to their entire medical record ‒ including MD notes, any audio recordings, etc...?

For many, the response by over 2,300 physicians came as no real surprise. 49% ‒ Access to all records should only be given on a case‒by‒case basis 34% ‒ Yes, Always 17% ‒ No, Never

Source Forbes - Business http://ift.tt/1Jy8DKH

'Game Of Thrones' Season 5, Episode 9 Review: The Dance Of Dragons

The HBO show goes completely off the rails in one of the worst changes from the books yet in 'Game Of Thrones.'

Source Forbes - Business http://ift.tt/1Gud2hb

Storage Trends Around Computex 2015

Flash memory performance is driving the development of interface and networking technologies that can utilize the full potential of this technology. Thunderbolt 3 is one expression of this trend, as is the recent introduction of PCIe fabrics that would support NVMe flash drives.

Source Forbes - Business http://ift.tt/1FE1Zwd

Restored Vintage Rolexes Are More Common Than You Think

It's disheartening, but true. Some high-end watch dealers, specifically Rolex-only dealers, have utilized laser-welding technology in order to bring their beat-up sports watches back to factory-fresh condition. This begs the question, how many of today's "mint," "unpolished," and "untouched" watches have been enhanced through laser-welding? Furthermore, why don't these dealers, who employ laser-welding, disclose this new form of case restoration to their clients?

Source Forbes - Business http://ift.tt/1B0aEMW

'Game Of Thrones' Season 5: The Dance Of Dragons

Source Forbes - Business http://ift.tt/1KPdTa7

'Game Of Thrones' Season 5, Episode 9 Review: The Dance Of Dragons

The HBO show goes completely off the rails in one of the worst changes from the books yet in 'Game Of Thrones.'

Source Forbes - Business http://ift.tt/1Gud2hb

The Employee Giving Idea You Haven't Tried

If you’re running a strong employee volunteer and giving program, then you’ve got certain tools in your toolbox that are helping to increase participation in your efforts. Incentives like volunteer grants (also known as Dollars for Doers), matching gifts, and paid time off for volunteering. Benefits like crowdraising competitions and skills-based volunteering opportunities. And, of course, a robust volunteer and giving platform that makes the whole experience social, mobile and interactive.

Source Forbes - Business http://ift.tt/1QgPKQo

Jack Ma's Private Fund Agreed To Invest 200M Yuan In Chinese Medical Device Maker

Alibaba Group Holding founder Jack Ma is making further bets on China’s healthcare sector.

Source Forbes - Business http://ift.tt/1T6iLgC

Tony Awards 2015: Complete List Of Winners

"Fun Home" and "The Curious Incident Of The Dog In the Night-time" won top honors.

Source Forbes - Business http://ift.tt/1T6iNoT

Ecosystems Transform Wearable Devices From Curiosities To Workhorses

The conversations about wearable Internet of Things devices too often focus on the devices and their capabilities, rather than the ecosystem they can inspire. The Apple Watch has had its features and functions explained in detail. What we should really look at is its role in the ecosystem around the user and the larger organization when used in business. What role does a collective of Watch users play in the ecosystem? What business process does it facilitate or change? IMS Health, the global healthcare information services company, has taken a close look at the ecosystem of user devices and how they support different roles in healthcare with a new initiative.

Source Forbes - Business http://ift.tt/1G5Wd98

Apple's WWDC As It Happens - Live Blog

Apple's World Wide Developers' Conference, 2015 edition, kicks off Monday at 10 a.m. Pacific. It's the first developers' conference since the launch of the Apple Watch, and we expect updates on the new device and on apps for it. There are also bound to be updates to iOS, OS X and HomeKit. And we'll get details of Apple's long-expected, whose launch was confirmed Sunday by Sony Music's CEO. We'll bring you news and announcements as they happen.

Source Forbes - Business http://ift.tt/1eXiBbR

Why Human Resources Is Dead

According to Wikipedia "human resource" was first used by economist John R. Commons in his book The Distribution of Wealth which was published in 1893, over 120 years ago. The term also gained a lot of traction in the 1910's and 1920's where it was quite literally used to mean that workers were seen as capital assets. Many workers around the world are still seen as capital assets which is why it should come as no surprise that actual synonyms for "employee" include: cog, servant, and slave. It should further come as no surprised that according to research firm Gallup, only 13% of employees around the world are engaged at work. The departments created for managing these capital assets was of course called "human resources" and is perhaps the most known part of any organizations, oftentimes the most feared, and is now, the most...dead.

Source Forbes - Business http://ift.tt/1RWVyfv

Renault Group launches new bank in the UK

Mark King

RCIBank2.jpg

French carmaker Renault has launched a new bank in the UK – RCI Bank – promising market-beating savings rates.

French carmaker Renault has launched a new bank in the UK – RCI Bank – promising market-beating savings rates.

The bank has launched with the Freedom Savings Account, an easy access product paying interest of 1.5%, with no penalties, fees or notice periods as well as unlimited payments and withdrawals.

Renault Group launches new bank in the UK

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French carmaker Renault has launched a new bank in the UK – RCI Bank – promising market-beating savings rates. The bank has launched with the Freedom Savings Account, an easy access product paying interest of 1.5%, with no penalties, fees or notice periods as well as unlimited payments and withdrawals. A quick glance at http://ift.tt/1FB65V5 indicates that only Buckinghamshire Building Society has an easy access savings account without any restrictions or conditions paying more (at 2%). However, this has a maximum investment of £400,000 and cannot be operated online or by phone. It is the only bank in the UK owned by a car company. Is it a real alternative? Louis Renault built his first 12 cars in France in 1898, and his company grew to the extent that it launched its own bank in 1974 to help customers finance the purchase of Renault vehicles. Today, RCI Banque Group is still privately owned by Renault and operates in 37 countries across every continent, lending over £8.5 billion a year. In the UK, RCI Banque has been powering the car finance operation with Renault, Nissan, Darcia and Infiniti. In a statement, RCI Bank said: "[We are] offering a real alternative for UK savers; offering transparency, simple accounts, great service and a promise that we know exactly where our money is. The Freedom Savings Account has a starting balance of £100 and a maximum of £1 million and RCI says it has "no gimmicks or small print". The bank is expected to launch a suite of additional products later in the year. Steve Gowler, chief executive of RCI Bank, said: "We're really excited about entering into the UK savings market, and importantly entering the market with an innovative and competitive product. Saving money should not be difficult, which is why we have developed our simple Freedom Savings Account with a rate of 1.50%. "We believe we have a product that people will love. Over the next 12 months we plan to follow this up with further product launches. "We also have the added benefit of being part of a global group, working for Renault and Nissan brands, and we are committed to using our strength to deliver the very best savings accounts and security for our customers in the UK."

Moneywise Best Buys show you the best bank accounts available to you today

read more

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New driving licence rule to affect holidaymakers

Mark King

drivingonbeach.jpg

With the paper part of driving licences becoming invalid on 8 June 2015, consumer groups are warning that holidaymakers hiring cars may not be fully prepared.

With the paper part of driving licences becoming invalid on 8 June 2015, consumer groups are warning that holidaymakers hiring cars may not be fully prepared.

New driving licence rule to affect holidaymakers

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With the paper part of driving licences becoming invalid on 8 June 2015, consumer groups are warning that holidaymakers hiring cars may not be fully prepared. The DVLA has now stopped issuing paper licences, meaning that if you need to update your name, address or renew your existing licence, you will be issued with a new photocard only – the paper counterpart will be retained. However, the move means that all details of penalty points or convictions are now stored online only. In order to give car hire firms access to view this information, people must go to a government website and produce a temporary code. The code lasts for up to 72 hours, can be used only once and will allow the hire companies to make any necessary checks. But this has led to fears that many holidaymakers may have to find internet access or risk being turned away by a car hire company. Those potentially affected include people travelling abroad but who aren't collecting their hire vehicle as soon as they arrive. Rushed project Gerry Keaney, the chief executive of the British Vehicle Rental and Leasing Association (BVRLA), told the BBC: "The project's being rushed through. It's not brilliant." The move is part of the government's aim to cut down on the amount of red tape. The purpose of the counterpart up until now has been to include licence details that couldn't be included on the photocard – such as penalty points or the types of vehicles your are allowed to drive. Paper driving licences that were issued before the photocard was launched in 1998 will remain valid. The free-to-use View Driving Licence service (http://ift.tt/1RXyA7W) will let you see what details are held about you. Those hiring a vehicle in the UK or overseas will be able to provide evidence of their driving record at the website. You will need to enter your driver number, National Insurance number and the postcode shown on your current driving licence. Alternatively, you can also request a code by calling 0300 083 0013. This also applies if you have a paper licence that was issued before 1998.

read more

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Does Target Owe You $10,000? How to Find Out and Claim Your Cash

Did you know that you may qualify for free cash from class-action settlements? In most cases, all it takes is just a few minutes to file a claim and you could receive benefits worth hundreds or even thousands of dollars.

In May, I told you about seven class-action settlements with quickly approaching claim-filing deadlines. Many of those deadlines are still open, so take a look to see if you qualify!

This month, I picked out eight more class-action settlements that I think you’ll be excited about, and organized them into four categories. Let’s take a look!

Data Breach Settlements

It seems like every time I check the news, I’m hearing about another data breach affecting retailers. Angry consumers have filed class-action lawsuits against these companies, and sometimes they result in settlements that offer money to the affected consumers.

1. Target

The highly publicized Target data breach during the 2013 Christmas shopping season led to dozens of class-acion lawsuits accusing the retailer of failing to protect shoppers’ personal information. Target denies any wrongdoing but agreed to a $10 million class-action settlement to resolve the litigation.

If you’re one of the 40 million customers who used a debit or credit card at a Target store between November 27 and December 18, 2013, or if you previously provided your contact information to Target, you may be eligible for a cash payment from the Target data breach settlement. Shoppers affected by the Target data breach may be eligible to make a claim for up to $10,000!

The deadline to file a claim is July 31, 2015. Here’s where you can learn more.

2. Vendini

Target is not the only company to settle with consumers following a data breach. Ticket seller Vendini Inc. has also agreed to offer up to $3,000 to eligible claimants as part of a $3 million class-action settlement over claims it failed to protect customers’ sensitive data. Vendini offers online ticketing services for college athletic programs, PGA golf tournaments, performing arts centers, speedways, concerts, festivals and more.

If your personal identification information resided on Vendini’s computer network services prior to April 25, 2013, you have until July 25, 2015 to submit a claim for benefits. Here’s where you can find more information.

Telephone Consumer Protection Act (TCPA) Violations

Did you know that receiving unwanted cell phone calls and text messages from companies is against the law if you did not give them prior express permission to contact you?

Violations of the federal Telephone Consumer Protection Act carry stiff penalties, and TCPA class-action settlements often pay out big time to consumers. Walgreens and Life Time Fitness have both agreed to settle allegations they made cell phone calls in violation of the TCPA.

3. Walgreens

Did you receive an automated cell phone call from Walgreens notifying you that it was time for a prescription to be refilled? If so, you could be eligible to claim part of the $11 million settlement fund.

The amount you could receive from this class-action settlement depends on how many people file claims by July 22, 2015. Here’s where you can learn more.

4. Life Time Fitness

If you received one or more text messages on your cell phone from Life Time Fitness between January 1, 2014 and April 15, 2014, you can claim a cash award of $100, or choose a Life Time Fitness membership award.

The July 6, 2015 claim-filing deadline is coming soon, so find out if you qualify now!

Deceptive Marketing

Sometimes companies offer promotions that really are too good to be true. That’s where class-action lawsuits can help. Capital One and BevMo have settled allegations they lured customers with deceptive promotions.

5. Capital One

If you used a 0% Access Check or No Hassle Check on your Capital One credit card between August 1, 2008 and January 2, 2015, you may be entitled to free money! Capital One reached a settlement over allegations it misled consumers about the fees associated with the checks.

Submit your claim by July 1, 2015 to claim up to $5.50 in cash. Here’s where you can find more information.

6. BevMo

Are you a ClubBev member who purchased wine at a BevMo “5 Cent Sale” between October 9, 2005 and February 9, 2010? If so, you may be entitled to discount coupons from a class-action settlement over allegations BevMo tricked consumers into thinking they were getting a bigger discount than they really received.

Make sure you don’t miss out on these coupons by ensuring your email address is correct by July 27, 2015. Here’s where you can learn more.

Car Trouble

It seems like car makers are always in the news for something these days. Hyundai and Honda recently agreed to provide benefits to consumers whose vehicles may not perform as advertised.

7. Hyundai

Hyundai has taken heat for allegedly misrepresenting the fuel economy on some of its vehicles, and the car maker has agreed to settle the allegations. Class Members must file a claim by July 6, 2015 to be eligible for an up-front lump sum payment (potential average payment of $353), gas cards or additional compensation. Here’s where you can get more information.

8. Honda

Some Honda CR-Vs are equipped with defective door locks, according to a class-action lawsuit. Owners and lessees of certain CR-V models can submit a claim for replacement of the allegedly defective part. Those who already paid out-of-pocket expenses to have the part replaced may submit a claim for reimbursement.

The deadline to file a claim is July 6, 2015, so act quickly! Here’s where you can learn more.

Whew! That’s it for now. Be sure to check in next month to find out what you can claim from other class action settlements.

Your Turn: Are you eligible to claim rewards from any of these settlements?

Anne Bucher is the Managing Editor of TopClassActions.com.

The post Does Target Owe You $10,000? How to Find Out and Claim Your Cash appeared first on The Penny Hoarder.

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16 Ways to Invest $100

You have a crisp, new one hundred-dollar bill in your wallet.

While it’s not $1,000,000, $100,000, or $10,000, hey, at least it’s something!

Listen up. Just because you don’t have much money to invest doesn’t mean you shouldn’t invest it.

Want to know the most difficult part of investing? Starting.

You read that right!

Just starting is rather difficult, and once you accomplish that challenge, investing going forward is pretty easy.

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It’s Not About How Much You Invest, It’s About Actually Getting Started. #investnow
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For those of you who are discouraged because you only have a little bit of money to invest – don’t fret!

One hundred dollars is a great way to get your foot in the door and start a habit of investing that could very well lead to a bountiful harvest down the road.

I’ll tell you from the start that it isn’t easy to find ways to invest just $100. Many brokers have account minimums.

Additionally, sometimes you might find yourself being charged, for example, a $50 annual fee which can cut your account in half. That makes no sense.

However, there are a few ways you can invest $100 dollars and have it be worth your time and effort. I’ll show you how.

I also invited a plethora of other financial experts to lend their advice for this article. You’ll get a big helping of financial advice along with some unique ideas I didn’t even have in mind. Really, these guys are smart and creative – pay attention to what they have to say!

Let’s start things off by looking at a few investments you shouldn’t put your money into – they’re sneaky and dangerous!

Investments You Should Avoid

Cement these bad investments in your mind now. Seriously.

These investments either have a high probability of you losing your money or probably won’t yield much of a return.

1. Penny Stocks

Penny stocks – also known as over-the-counter stocks – are dangerous. In other words, you can lose your money in a hurry – and that’s what I did.

Yep, your very own Jeff Rose made a mistake by getting caught up in penny stocks.

Think of penny stocks as the “wild, wild west” of trading. Just because the stock trading is at $0.80 doesn’t mean you can buy at $0.80. When you put in your order to buy at market, the price can jump up much higher before the order takes place. That’s a problem.

2. Get-Rich-Quick Schemes

If it sounds too good to be true . . . .

You know it usually is!

Be careful anytime anyone says there’s a “secret” way to get rich that hardly anyone knows about. Be careful when the sales pitch offers returns that are astronomically high. Be careful when everyone around you is saying it’s a get-rich-quick scheme!

Follow that advice, and you should be okay.

3. Anything from a Late-Night Infomercial

“Buy now, and you’ll get our investor’s guide worth $1,000,000!”

Yeah, right.

Infomercials are super long commercials that claim to give you valuable information. Many times, these infomercials are pretty cheesy and so are the products. Beware.

4. Gambling

Gambling is the ugly sister of investing. Don’t do it people!

But if you’re going to do it, you might as well have some fun . . . .

Kathleen Celmins at StackingBenjamins.com says:

If you only have $100, put it on red in Vegas. If you’re right, you’ll double your money. If you’re wrong, you’re only out 100 bucks.

Risky? Yeah. Fun? Could be.  

5. Investments You Don’t Understand

John Rampton at JohnRampton.com makes an important point:

Only invest in something you know. Don’t throw money at something that you don’t understand or haven’t done before. Most of the time it’ll be throwing it into the garbage.

He could say that again. Have you read how one woman paid over $3,500 in variable annuity fees and didn’t even know it? It’s pretty amazing how much you can pay in fees without even knowing it.

Even Steven at EvenStevenMoney.com reiterates the point of investing in what you know:

Your first $100 should be invested in something you know and like. If you like sports you could invest in Nike, favorite lunch spot is Chipotle then make that your investment, love social media then maybe Facebook or Twitter are for you. I think it’s more about learning and having an interest in your investment.

If you’re going to use this approach, make sure that you own enough companies (domestic and international) to diversify your portfolio. The last thing you want is to own just a few companies and see your investments crash. I think Even Steven would agree that it’s best to own a lot of companies you love.

6. Keepsake “Investments”

I remember when I was a little kid I invested way too much into baseball cards. Their worth today? Not much to speak of.

Eric J. Nisall at DollarVersity.com says:

Whatever you do, don’t buy your favorite player’s rookie card and store it in a safe deposit box to protect your “investment.”

Oops. Well, I was a kid, so who could blame me?

Investments Worthy of Your One Hundred Bucks

1. Lending Club

Lending Club is a peer-to-peer lending service. Peer-to-peer lending is just what it sounds like: it’s lending to someone else. Ordinary folks lend and borrow from each other to make a profit. Lending Club is actually the world’s largest online marketplace for connecting borrowers and investors.

Sandy Smith at YesIAmCheap.com says:

I’d take the $100 and split it in four investment sources on Lending Club and then reinvest the profits. Simple, boring and so not rock star.

You can actually make some pretty sweet returns at Lending Club and the good news is you can invest with as little as $25. Plus, there’s no account minimum currently at Lending Club.

I wouldn’t recommend that you invest all of your dough at Lending Club going forward, but it’s a great way to start investing and you’ll learn the ropes of peer-to-peer lending.

2. Prosper

Prosper is another peer-to-peer lending service worth checking out. Like Lending Club, you can make some pretty nice returns.

In fact, a couple years ago I put Lending Club and Prosper head-to-head in an experiment. Take a look at this article to see the results: The Prosper Vs. Lending Club Experiment.

Again, like Lending Club, you can invest as little as $25 and there’s no account minimum.

3. Scottrade

Scottrade is an online broker that allows you to trade for only $7 a pop. That’s not a lot, folks. E*Trade, TD Ameritrade, Charles Schwab, and Fidelity all have higher trading fees.

And here’s the deal . . . you can fund an IRA or Roth IRA with as little as $100. That’s right, there’s no minimum at Scottrade, so you have no excuse not to get started investing.

Another great thing about Scottrade is that there are no monthly or yearly maintenance fees – and no inactivity fees! That means if you decide you want to invest 100 bucks and aren’t sure when you can invest again, you won’t pay any penalties for waiting.

You should keep in mind, however, that certain other types of non-IRA accounts do have a minimum: $2,500. So if you’re looking to invest in a non-retirement account, this could pose a problem. But hey, you should probably be investing for your retirement first before you start investing for other purposes.

The bummer about Scottrade, like many other discount online brokers, is that they don’t provide investment advice for most accounts. However, they do offer a portfolio manager that will help you find new investments based on your risk tolerance.

4. Loyal3

Loyal3 is an interesting option that allows you to buy and sell stock for free.

“Whoa, free?”

Yes, free!

But there is a catch. They only offer a few big-name stocks such as Apple, Best Buy, Coca-Cola, and other names you’re sure to recognize. Don’t expect to find diversified funds in the mix.

However, they do let you invest small amounts like $100. In fact, Loyal3 is one of the few brokers that let you buy fractional shares. For example, if a company’s share price is $350, that’s usually the minimum you can invest. But with Loyal3, you can feel free to invest a fraction of that price (and get a fraction of a share).

Here’s what Julie Starnes Rains at InvestingToThrive.com said:

I’d start investing in a favorite company through Loyal3 for no fees.

She also mentioned she invests with Betterment – more on that company in a moment.

So, if you are in love with a particular company and you’d like to place your bets on them, Loyal3 just might be the ticket.

5. Capital One 360

Capital One 360 offers an online high-yield savings account that is pretty easy to use and offers far more interest than you’ll find at your local bank or credit union.

Currently, their high-yield savings account offers 0.75% APY. While that’s certainly a fraction of what you could potentially make with the previously mentioned ways to invest $100, it’s a great way to guarantee that you won’t lose your money. Your deposits are FDIC-insured up to $250,000 per depositor.

If, by chance, you have more money to invest than $100, you may want to check out more ways to invest with confidence.

How do you decide if you should invest in something safer but with lower rates, like a Capital One 360 high-yield savings account, or something riskier but with potentially higher rates, like Lending Club? There are many factors that go into making this kind of decision, and I’d like to take a minute to explain how you can make the appropriate one.

If you don’t have at least eight months of emergency savings, it’s probably best to start by investing your $100 into a high-yield savings account. You’re going to want liquidity if an emergency arises, and while many of the other types of ways to invest $100 might allow you to pull out your money quickly, there may be some drawbacks like pulling out of the market too early or needing money in the middle of a loan term.

Once you have a fully-funded emergency fund, it’s a better time to do some riskier investing.

6. Your 401(k)

This is the easiest way to invest your money.  You can have money taken directly out of your paycheck and deposited into your 401(k), starting with your first $100. This is so simple to do, yet so many people don’t. And hey, if you have a 401(k) match, why not take advantage of it?

Mario Ben Bonifacio at DebtBLAG.com commented on what he’d do with his $100:

If this were my first $100 ever, earmarked for investing, I’d increase my 401(k) contribution to $100, where it would get matched dollar-for-dollar by my employer. Pretty tough to beat an instantaneous 100% gain.  

Keep in mind, however, that you better know what you’re investing into within the 401(k) – don’t you even think about target date mutual funds!

7. Robo-Advisors

Robo-advisors are a class of investment adviser that provides portfolio management online without the need for much human interaction.

Peter Anderson at BibleMoneyMatters.com believes Betterment to be a good option for those who want to continue investing more than $100:

I’d take that $100 and invest it in an investment service like Betterment or WiseBanyan in a diversified, low cost index fund portfolio. Use Betterment if you plan on additional investments, and WiseBanyan (where there are no fees) if you don’t plan on additional investments right away.

An anonymous investor and writer at Investopedia.com said:

I put my first $100 investment into an Acorns account.

Janet Tyler Johnson at CorporateHostageNoMore.org thinks Acorns is a great option:

Acorns. I’ve tried it myself and it’s amazing how quickly your rounded purchases add up. The money is invested in a well-diversified way which is hard to accomplish with small sums of money. It also shows you how easy automatic saving can be.

8. Yourself

Yes, investing in yourself is one of the best ways to enrich your life – financially and otherwise.

Michael Kitces MSFS, MTAX, CFP^® at Kitces.com/blog/ commented for this post on the ROI of investing in yourself:

Invest in yourself. The ROI on investing in your own earnings potential is radically higher than “just” buy stocks-for-the-long-run in a Roth IRA. It’s not even close! For young people, investing into human capital crushes the return potential for investing into financial capital.

Joseph Hogue at Crowd101.com explained that crowdfunding might be the best way to invest the $100 for education:

Would love to spend it on education and skills but $100 isn’t going to get you very far or very fast. Use it for a pre-launch party for a crowdfunding campaign to pitch support for raising money for a more detailed educational course!

He goes on to say:

Invite your closest friends and family to a dinner party where you pitch the idea of how far their support can go to help you becoming a better person. A crowdfunding campaign on GoFundMe costs nothing to set up but really reaching out to people is the key. By hosting a dinner party, you can personally connect with the people that are most likely to support you. Enlisting just a few people to help you with your campaign could yield donations many times over the amount you spent for the party. With the funds from the crowdfunding campaign, you can afford a more detailed educational course or curriculum to really turn that $100 into a new life!

Crystal Hammond of SophisticatedSpender.com says to learn from the wise:

Sophisticated Spender would use that money to take her mentor out to lunch and pick said mentor’s brain on how they invest – and turn that into a brainstorming session!

I absolutely love the idea to pick a mentor’s brain. Sometimes, just talking with like-minded individuals can really help too.

In fact, I happily pay $7,900 a year for Strategic Coach, but believe me, I was once skeptical that going through a coaching program would actually produce results.

When I finally realized that something was missing from my business and life, I talked it over with my wife. She thought I was already pretty motivated in my business and life and didn’t really see a point in coaching so I could become even more motivated. She had a good point.

But amazingly, after a lot of discussion, she gave me her blessing to move forward and be mentored in the coaching program, and I’ve found it to be hugely beneficial.

The bottom line is that you shouldn’t overlook investing in yourself. And if you don’t believe me, just continue reading all the advice below from these financial experts . . . .

Kate Dore at CashvilleSkyline.com believes online courses are the answer:

I’d invest $100 in improving my skills through online courses on sites like Coursera, Udemy, Lynda, or Code Academy. A more diverse skill set will offer returns for life.

Elle Martinez at CoupleMoney.com agrees with Kate:

I would use the money to learn a new skill. Sites like Lynda or Creative Live can offer you a good return on your investment.

Grayson Bell at DebtRoundup.com thinks online courses are better than his original idea – to invest in a Roth IRA:

While investing in a Roth IRA is good, it’s only worth it if you keep investing. Instead, I’d rather take $20 and invest in a knowledge course on Udemy. I’d sharpen my skills in a specific area, then take the rest of the money and advertise my new service to my customers and new customers. If all goes well, that $100 could end up earning me $1,000 in a month or more. That new skill could keep me earning more month after month, which is an excellent way to spend $100. Don’t try to learn something from scratch, just sharpen a skill to make you marketable.

Lee Huffman at BaldFinance.com likes the idea of investing in online courses, too:

The best investment you can do with only $100 is to invest in yourself through some online courses, like Udemy, that will build skills that will take you further in your current job, prepare you for the next job, or help you to start a side hustle. Building these skills will make you more valuable, thus increase your earning capacity, which will result in more money to invest on a regular basis.

Julie Starnes Rains at InvestingToThrive.com says not everyone has the opportunity to achieve a high income over the long-term:

I believe that not everyone is in the position to earn a high income consistently over a lifetime but they can find opportunities for stock-market investing, generate unearned income, and build wealth over time. Plus, the earlier you invest, the earlier you’ll learn about investing and develop your own style, whether active or passive.

Notice that by jumping in and doing a little investing, you can learn about investing and “develop your own style.” Very true. Sometimes, we just need to start small. Great idea Julie!

Martin Dasko at Studenomics.com encourages learning from friends:

Buy a book, a bottle of vodka, and take a buddy out for lunch. The boom should be a biography so that you study someone who has done what you want to do. Vodka should be a for wild night out on the town. Take a successful friend out for lunch and pick their brain.

Martin, this is a great idea. I mean the taking a successful friend out to lunch, part.  

Speaking of buying books, that’s my next tip . . . .

9. Books

Books can change lives – why not invest in them?

Want two on my reading list? The Art of Work by Jeff Goins and People Over Profit by Dale Partridge.

Want a few classics that will improve your finances? Here are my picks:

• The Total Money Makeover by Dave Ramsey
• The 4-Hour Workweek by Tim Ferriss
• I Will Teach You To Be Rich by Ramit Sethi

Alan Steinborn, founder of the financial education platform, Real Money, recommended one book and to invest the rest:

I’d take $10 and buy the book Your Money or Your Life. Then I would take $90 and invest in a fund like Betterment or Acorns.

And if you’re looking for bonus points, check out Soldier of Finance by yours truly, Jeff Rose.

To increase his odds of being included in this article, Steve Chou at MyWifeQuitHerJob.com gave me some props by saying:

To increase my chances of actually being mentioned in the post, I’d have to say go out and buy Soldier of Finance.

Boom. You made the article Steve.  

Steve isn’t alone about my smarts:

@jjeffrose taking smart people out for coffee and ask them questions.

— ValueInvestorsDaily (@ValueInvestorsd) May 28, 2015

I’m flattered guys, really.

Okay, Steve Chou’s first recommendation was as follows:

I’d buy a year’s worth of Bluehost and start a website.

But, I’m sure he actually likes my book, too.  

Speaking of starting your own business though . . . .

10. Your Own Business

Starting your own business can be one of the best things you ever do. The higher up the ladder you are, the more you get paid, and the more control you have. And you can’t go any higher than owning your own business.

Greg Johnson at ClubThrifty.com says starting a business would be a great way to invest your bucks:

I’m gonna take that $100, invest it in a leaf blower and a rake, and start a side business that will make me beaucoup bucks!

True, you can build a business from scratch! Looks like Greg isn’t afraid of hard work!

Lauren Greutman at MarkandLaurenG.com would start a business too:

I would spend it on something that I could sell for more, then continue the process. For instance, buying something at an estate sale that you can turn and flip on eBay or Craigslist.

Jennifer E. Garza at ISaveA2Z.com agrees with Lauren:

I can’t tell you how many things I’ve purchased at garage sales for $10 and turned a $100 profit. I ended up buying a piece of property for $8k with all my profits by the end of the year.

Greg Go at WiseBread.com thinks starting your own business is the best way to invest your $100:

I’d totally invest in entrepreneurship. Lawn mower –> five neighbors as customers –> at $5 / month each –> $300 for 1st year. 300% return on first year.

The entrepreneurially-minded have much greater chances of financial success. Even if you think you’re not the entrepreneurial type, give it a shot. You don’t know how you’ll do until you try.

11. Travel

If you travel a lot, spending your Benjamin on making your trips more efficient can help you save a bundle of money and time.

Jim Wang at WalletHacks.com gives this tip:

Buy something today that will save you money or time over the long run. If you fly a lot, maybe it’s the Recheck program ($85) so you can breeze through airport security much faster, which will save you time and money (and stress).

That’s a good tip, but make sure your airlines will honor that if you’re flying internationally – we had to learn that the hard way on a recent trip.

Paul Ivanovsky at IHeartTheMart.com shows you how you can stay accountable and fund your vacations:

I would show my kids that I was investing that money for a family chosen purpose. They will keep you accountable and depositing into that account, especially if it is for something like a vacation.

One last tip on traveling by air . . . invest in some blankets. Coming home from a trip we had to sleep on nasty airport carpet because our flight was canceled. Maybe invest in some small pillows too.

12. Index Funds Baby!

Index funds are a pretty popular choice for investment managers, and for good reason. Hey, even Warren Buffett chimed in on the glories of index funds in one of his recent letters:

My advice to the trustee could not be more simple: Put 10% of the cash in short-term government bonds and 90% in a very low-cost S&P 500 index fund (I suggest Vanguard’s). I believe the trust’s long-term results from this policy will be superior to those attained by most investors – whether pension funds,  institutions or individuals – who employ high-fee managers.

Many of the financial experts I found had the same advice . . . .

Eric Rosenberg at PersonalProfitability.com said index funds were the way to go:

Open a Roth IRA and invest in a low fee S&P 500 index fund. Watch it grow.

Jay Monee at BudgetsAreSexy.com agreed:

 Index fund FTW.

Deacon Hayes at WellKeptWallet.com put in his vote for index funds:

Invest the money only in what you understand. Take the time to understand the different account types and different investment options. For a beginner, index funds are a great way to go because they offer built-in diversification since you are buying into hundreds if not thousands of companies.

Philip Taylor at PTMoney.com mentioned index funds (and Betterment, too):

Given that a beginner likely has a 401(k) already set up and going, I would recommend the newbie investor use it to start a Roth IRA with either Vanguard or Betterment. For Vanguard, just go into a cash fund until you reach the minimum required to get into their index funds. Take the extra time you would use looking for a good stock and use it to learn about diversification and asset allocation. Good luck!

Todd Tresidder at FinancialMentor.com expands on the above advice:

There’s a life cycle to building wealth, and having just $100 to invest says you’re right at the beginning. That means the most important thing is to figure out how to increase your savings rate because your savings rate as a percent of the amount you spend will determine how long it takes to achieve financial security. It is only late in that cycle once your savings are firmly established that investment return becomes important. For that reason, simply invest it in cash or low cost, passive index asset allocation approaches (many already mentioned here) so you don’t waste critical time focusing on unessential issues. Also, place it in an IRA or other tax-deferred legal legal structure so that you put a fence around it so that you face a penalty if you feel tempted to spend it. The 80/20 rule says focus on saving in the early stage of your wealth curve, and focus on return on investment in the latter stages once savings and essential personal finance habits (like saving) are firmly established.

Speaking of saving . . . .

13. Save it to Save More!

Saving money and using it at an opportune time can be a great investment. There’s nothing quite like cash in the bank to take advantage of some great opportunities.

Lena Presley Gott at WhatMommyDoes.com says:

I’d invest it right into my yard sale fund – put it in my glove compartment and keep it there for when I happen upon a steal at 75-90% off! Instant money duplication!

Alan Steinborn, founder of the financial education platform, Real Money, left another comment and said:

I would buy $100 worth of toilet paper in bulk with a coupon found online. The return on this investment will be somewhere around 50% and is tax-free!

Joshua J. Sheats, MSFS, CFP^®, CLU^®, ChFC^®, CASL^®, CAP^®, RHU^®, REBC^® at RadicalPersonalFinance.com believes those with only $100 should save their money and get deals:

Don’t invest it. Period. Keep it in $20 bills in your wallet and have it in reserve in case of emergency or opportunity. (I’m thinking of an opportunity like bulk buying or discount buying for cash.) It’s absolutely crazy to think of investing at all until you have at least a few thousand bucks in reserve. If someone is that broke, they’re better off using the money to smooth their consumption habits and focus on getting deals with bulk buying.

14. Your Debt

Having debt is like having an investment that goes poorly every moment you hold onto it. If you want a guaranteed return on investment, paying off your debt is a great idea.

Gary Foreman at Stretcher.com understands this when asked what he would do with $100:

Put it on the highest interest rate debt you owe.

15. Charity

Why not invest in others and what what it does in their lives? I’d argue there’s nothing quite as rewarding as investing in people.

Long Pham at BudgetForWealth.com encourages people to invest in others:

$100 isn’t going to be effective at all unless you plan on following up with additional investments. I thank that money would be better spent while mentoring a child or teenager who needs a good role model.

Long Pham also knows me all too well and also suggested investing in something I love:

In-N-Out gift card? : )

You could always send me some of those gift cards – I’d say that’s pretty charitable.  

16. Your Thrift Savings Plan

Doug Nordman at The-Military-Guide.com has some advice for military folks:

Military version: Contribute your $100 windfall to the military’s Thrift Savings Plan, and try to save even more there!

Doug has a great idea here, but it’s also important to make sure the Thrift Savings Plan is the right choice for you.

Want to Invest More?

If you have a little more money to invest – about $250 – then you can start investing with Motif – it’s what I’m using during the Grow Your Dough Throwdown 2.0.

I had a chance to meet Nick and Saquib who work at Motif and they expressed interest in doing another throwdown. I was interested, but as soon as they told me they could get together a whole bunch of financial bloggers on a leaderboard, I was sold.

In fact, you can even buy my very own Motif! Fun stuff, eh?

Keep on Investing!

Listen up people. Investing $100 (or even $250) isn’t enough investing to build a nice nest egg. You’re going to have to continue investing. Duh, right?

Teresa Mears at LivingOnTheCheap.com said it best:

The best way to invest $100? Repeatedly.

Yep, I agree.

You might be wondering how much money you’ll need to have to retire. Well, I recently put up an article on Forbes that seeks to answer the question if $2 million was enough for a couple to retire. The truth is that you’ll need to run specific numbers for your situation in order to answer this question for yourself.

Or, I could help you.

Either way, here’s my final advice:

• Start investing as soon as possible
• Start investing even if you don’t have much
• Keep on investing

Invest, have fun, and let me know how it goes!

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13 Mobile Marketing Stats You Need To Know

Want to know the key mobile statistics that will help you become a better marketer? Columnist Aaron Strout digs into the numbers that matter. The post 13 Mobile Marketing Stats You Need To Know appeared first on Marketing Land.

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