Planning Your Financial Freedom: 15 Tips for Young Adults

Getting your financial life started is a crucial step towards becoming an adult. Figuring out how to get started, however, can be tricky. As you get started living on your own, be sure to follow these fifteen tips.

1. Get renter’s insurance. This coverage only costs a few dollars a month, and it’s the best way to protect everything you own.

2. Consider a roommate. You’ll be able to split the costs of rent and utilities, but it’s only worth it if you like living with the other person.

3. Consider if you really need a car. A lot of single people who live in cities with good public transportation have discovered that a car is more hassle than it’s worth. Ditch the car, and you’ll save on insurance, gas, and a car loan.

4. Buy a cheap car. If you can’t live without one, then make sure you pick a vehicle that you can afford. Until you get yourself stable, you don’t need the aggravation of a large loan or a gas guzzler.

5. Buy a reliable car. For that matter, you don’t need a car that requires a lot of maintenance. You probably can’t afford multiple repairs, and constant break downs mean a lot of missed time at work.

6. Think about your cell phone. While you probably can’t function without it, take the time to review plans from different carriers and find the best deal for you.

7. Watch your food bills. Take time now to learn how to match coupons with sales. If you don’t know how to cook, learn how.

8. Get another source of income. Most people don’t make a lot at an entry-level job. Fortunately, you don’t have many family obligations to prevent you from taking on some side work.

9. Make your student loans a priority. Get them paid on time, and make it a priority to pay them off as soon as possible. The penalties that you incur if you cannot pay them back will haunt you for the rest of your life.

10. Pay off your credit cards. If you have credit card debt, work to eliminate it. If you find yourself frequently shopping for things you can’t afford with your credit card, take it out of your wallet.

11. Get healthy. This is the best time of your life to instill healthy habits. Quit smoking, get your weight under control, and pay attention to your diet. Good health will mean less time off of work and lower health insurance costs.

12. Save for emergencies. Start a savings account and direct a small amount of each paycheck to it. Even an emergency fund with a few hundred dollars can pay for a unexpected car repair or fill in for a few missed days of work.

13. Improve your appearance. Don’t go overboard, but it’s probably a good idea to improve your wardrobe so that you’ll look professional at work. You want to leave a good impression with potential and current employers.

14. Live without premium cable. Keep your bills for extra channels, etc. as low as possible.

15. Start saving for retirement. Yes, it’s decades away, but every dollar you save now will have years to collect interest. Even a few hundred dollars a year can give you thousands when it’s time to retire.


5 Critical Infrastructure Must Do When Starting A Business

Starting your own business can be a very rewarding and exciting process. While most people may have a great idea to start their business, many new business owners do not spend the time necessary considering all of the basic investments that they need to make to ensure that their business gets off the ground properly. When looking to start a new business, there are five critical infrastructure investment must dos that you need to make to ensure your business starts off successfully.

Business Phone System
The first important infrastructure investment that all businesses must do when they are starting up is investing in a new business phone system. A business phone system will provide a business with a number of different business lines, which they can then use to connect to clients and prospects. A business phone system often will also come with a variety of other services and benefits, including the ability to hold conference calls, take voicemails, and to patch in other people connected on the same network.

Computer Network
The second infrastructure investment that all businesses must invest in when they are starting up is investing in a computer network. Keeping a business organized is very important, particularly when a new business is just getting off of the ground. In order to keep all employees, files, and records on the same page, you must have a well established and organized computer network. The network will be able to link all computers in the company together, connect everyone to the virtual storage systems, and be extremely secure, which will protect any confidential information.

Accounting System
The third important infrastructure investment that all businesses must make when they are just starting is to invest in an accounting system. Keeping accurate track of your financial records is very important for a new business, particularly those that are low on cash to start. Having a good accounting and bookkeeping records established will make it easier to make wiser business decisions and could help to save a business a lot of money in the long run.

Management System
The fourth important infrastructure investment that all business startups need to invest in is a management system. A management system will be an organized system in which a business will be able to keep an organized system established of management responsibilities and organized reporting schedules. This will eliminate a lot of confusion and frustration, particularly when compared to a business that does not have well-established management function and reporting lines in place.

Place of Business
The fifth important infrastructure investment that a new business needs to make is to invest in their place of business. Choosing the place of business is very important. An office for a business needs to be conveniently located for employees, the business owner, and clients that may visit. The office also needs to be properly built out with desks, computers, and other items that employees need to work. If you are starting a small business at home, then you need to invest in making a functional home office.

In conclusion, when starting a new business, there are many different considerations that must be taken to ensure that the business gets off the ground successfully. There are five particular infrastructure investments, which will ensure that your business is successful when first opening up the operation.


What is Crowdsource Funding and How Does It Work?

Crowdfunding is an alternative method of raising finance for a project, business, or idea. An entrepreneur can attract a crowd of people when it comes to crowdfunding. A small stake in a business idea is taken by each of these people. These people contribute towards an online funding target. Some investors may be hesitant to invest in an unproven idea. Crowdsource funding supplies an alternative way to source seed capital from a number of backers.

The majority of crowdsource funding platforms will not charge you for publishing a pitch. They typically take 5% commission when you reach your target. You need to factor this into your investment total. You do not have to pay a penny if you do not meet your target. Most websites ask you to offer staggered rewards to encourage people to invest in your start up. This includes an exclusive access to your first product or a five year discount on your services according to how much people invest.

Some platforms allow you to offer a small proportion of equity in your business. This generates an added incentive. This incentive is for potential investors. This is appropriate for start ups that are trying to raise bigger sums of finance.

Generating a strong network of support for a start up is the primary benefits of crowdfunding. Your investors are likely to become ambassadors for your brand with the equity model. They will promote it among their networks. This will track your progress and they will become returning customers themselves. They may also offer to lend a hand by supplying free accountancy services or legal advice. Crowdfunding can also supply a powerful platform to raise awareness of your start up if you promote your investment bid successfully. It gives you a story to pitch to your national and local press. This can attract newer business. This gives a clear message to potential suppliers, clients, or future investors that you have the support of the public behind you.

Crowdfunding can also provide a very quick way to raise cash. There have been several start ups that reached their target in just a few days. Normally, there are no upfront fees. This keeps the process easy. Crowdfunding works best for start ups that have a story to tell. It could be a personal reason for starting a business, a social mission, or a passionate vision for what it could become. The key to crowdfunding is to keep it simple.

There will be a short cooling off period when your online target is reached. Investors will be asked to confirm their investment. The investors who do not follow through may be given the option to withdraw their pledge. The crowdfunding platform will assign their lawyers to the case. A deal will be formalized. The money will be transferred to your bank account. The details of your investors will be given to you. This is so you can liaise with them directly and begin processing their rewards. Investors may be sent a certificate detailing their shareholding if you are offering equity. Successful crowdfunding is understanding the commitment the process entails. Crowdfunding can supply a fantastic opportunity for small businesses. It should not be entered into lightly. It requires a careful strategy to be successful.


Seven Exciting Technology Forward Companies To Work For

If you’re looking for a job where you can not only help create tomorrow’s technology but can use technology in your career right now, consider the items on this list. Of course, man companies that use tech are those that help create it.


The most-popular search engine is also one of the more popular ! With headquarters in Silicon Valley, India and even Cairo, Google really might be taking the world over. Google has plenty of projects in the works. From programmers to designers to sales, jobs are always available. Google provides doctors, travel insurance and legal advice. Of course, Googlers use plenty of tech in their daily tasks.


Most consumers know little about Qualcomm, the company that manufactures semiconductors, and wireless charging tech and helped push for 3G and 4G technologies. However, Qualcomm consistently makes the list of employers that are great to work for. As you’d guess, the company’s involvement in tech provides employees with plenty of chances to work with the newest devices and software. Qualcomm offers health benefits like Google, too.


Not everyone loves Apple, but the company has made great strides in the industry. First, it was Mac computers; then, Apple spearheaded the smartphone market with the original iPhone. More recently, Apple produced the iPad. While consumers weren’t sure what to do with tablet PCs in the beginning, Apple has now sold 170 million iPads to buyers. Apple’s process might seem backwards to some people because the focus isn’t on the technology. Rather, Apple focuses on user experience and uses tech to that end.


Web hosts aren’t typically known unless they do something wrong — we’re talking to you GoDaddy — so it’s nice that Rackspace is making a positive name for itself. The environment has been described as the coupling of service-oriented employees and techies. Perhaps that’s why the company’s stock nearly doubled in 2012. The hosting provider has been involved with developing open-source cloud platform OpenStack. While other companies are busy keeping secrets and using proprietary technology, it’s nice to see a company that’s willing to share and work together.


You may be using a router made by Cisco at the very moment, and if you were hired by the company, you may have the option to telecommute to work. This large company has offices around the world and hires financial, programming and sales professionals on a regular basis. Flexibility in schedule is one the selling points of a career as Cisco, and it encourages workers to go above and beyond.


This company is so tech-forward that it has an app for potential job candidates. Intel is dedicated to help everyone, including employees, succeed. The company, which has an open call for software engineers, has made top lists of environmentally-friendly, and ethical businesses. You’ll find it on Fortune’s 100 Best Companies to Work For.


Creativity is almost the default at SAS, a tech company that now feeds its employees through multiple organic farms. The same innovation applies to the work that SAS does. The company is an award winner when it comes to new ways of preventing insurance fraud. Some call it creative anarchy, but collaboration and innovation go hand in hand at SAS.

Company cultures ensure that these companies will make this same list next year.


Starbucks Drops AT&T Wi-Fi and Replaces It With Google

Coffee lovers heading to their local Starbucks to browse the Internet and take advantage of the franchise’s free Wi-Fi can expect some changes. While the company had previously looked to AT&T to provide wireless Internet to its many locations, it recently announced that it will turn to Google for the service. Starbucks, Google, and Level 3 Communications are teaming up to provide wireless Internet that is up to ten times faster than what AT&T currently offers.

The new service will see a gradual roll out. It will first be available in newly built Starbucks over the coming month. From there, the new Google-provided Internet will be expanded to Starbucks locations throughout the country. In eighteen months time, all 7,000+ Starbucks locations in the US should be outfitted with the new, faster Internet. Starbucks officials have pointed to the deal as the foundation for a significant and ongoing partnership.


Those connected to the project have also warned consumers that there will likely exist some disparity in speeds between locations. Still, the new system is set to represent a substantial improvement over what is currently in place at most locations. The service that AT&T provides is connected through a T1 line, which allows for approximately 1.5 megabit speeds. The Google Internet should represent an improvement over these speeds at every location, but it is uncertain if each connection will offer the full 10x increase.

Interestingly, AT&T stated that it had also offered to provide Starbucks with Internet that was ten times faster than what it currently supplies. The fact that Starbucks chose to go with Google could be an indication that it values many of the other services the company provides and sees the Internet giant as an important strategic partner for navigating the digital age.

By having a top-notch wireless Internet service for its locations, Starbucks stands to attract a young, tech savvy crowd who often spend hours at a time in coffee shops. The move to faster speeds is also important as the behaviors and needs of Internet users become increasingly complex. The streaming and downloading of audio and video files accounts requires substantial speeds and bandwidths. Similarly, the use of video chat programs creates increased strain for networks. With so many demanding things going on at once, it’s easy for a connection to get bogged down if it is not properly equipped to handle the data load. As such, the move to faster speeds seems to be a natural one for Starbucks and Google a natural partner. It is likely that many other businesses that offer free Wi-Fi as a means of attracting customers will need to improve their connections. As unlimited data plans become increasingly rare and costly, it is likely that Starbucks will see its wireless Internet become an even bigger draw.

Google is also working with Starbucks to upgrade and renovate the Starbucks Digital Network. While details on how it will revise the page that users first see when attempting to access Wi-Fi in its shops remain scarce, it is probably safe to assume that Starbucks will benefit from having Google’s web expertise applied to the page. Seeing as how millions of users access Starbucks’ Internet in a given week, there will likely be a lot of satisfied net browsers once these changes are widely implemented.


5 Amazing Technological Advances of 2013

It seems as if every single day, there is something new that is invented or introduced into our lives. With the continual increase in technology, the amount of innovate ideas seems limitless, with no end in site. In 2013, the world can expect to see some pretty unique advancements in technology. And although its impossible to mention all of them, here is a list of five pretty amazing ones that will hopefully improve your daily life.

Temporary Social Media

It’s somewhat of a shame that something as so fascinating and important as social media, has taken advantage of in a way. It’s an unfortunate truth that too often our actions and words are displayed on social media, making it forever linked to who we are. However, over the last few years a popular app by the name of Snapchat has made it possible for your messages to not last forever and be quickly erased after you send them. The app promises that 10-seconds after you send the message, it will be erased and deleted forever. Snapchat has seen increased popularity in 2013 and, although its not an all inclusive fix for those sending messages of ourselves that we will one day regret, it is a step in the right way to fix the problem.

3-D Printing

3-D printing has been in the works for many years now. However, it seems as if 2013 could be the year that it becomes mainstream and begins to open the eyes of consumers around the world. Some companies have begun working on additive manufacturing, or the industrial version of 3-D printing, but it is also something that could be in every person’s home within the next few years. 3-D printing is great, as it allows for technological and medical advancements for those who need it. However, 3-D printing has also gotten some grief, as some people have already found ways to provide people with dangerous things to create. Nonetheless, 3-D printing is going to change the way consumers look at items, and eventually how we shop. Imagine being able to make everything you need to supply your home, without having to ever leave.

Memory Implants

Imagine a world where memory loss is a thing of the past. This could do wonders for those with severe medical conditions that can tear apart families and loved ones. Theodore Berger, a biomedical engineer and neuroscientist at the University of Southern California, is working on a way to help those with memory loss in the form of an electronic implant. The device is created to mimic functions that process signals the way your neurons do when recalling memories. What may seem like a far-fetched idea has quickly gained popularity in recent years and could continue to see growth in 2013.

Smart Watches

In an industry that was nearly almost done and gone, smart watches will bring new life to wrist wear and time pieces. Some of the most popular companies in the world have seen the desire by those who want a smart watch, after the record setting performance by startup company Pepple in their goal to make a smart watch. Now companies like Samsung and Apple are getting involved to make their own models. Although just a few years ago watches seemed outdated as you could simply check your mobile phone for the time, they could now be making a comeback as everything on your phone could be ran through your new smart watch. This is certainly one of the most anticipated technological releases of 2013 for the average consumer.

Super Grids

The last technological advancement of 2013 for this list takes a look at how we use energy and how it could be changing. A Swiss company has found a way to develop high-voltage circuit breakers that allow stable electricity for people in a way never before imagined. These grids will allow places that usually do not get much sunshine or wind, to still receive the benefits that are provided by solar and wind energy. With a more reliable way of providing safe energy to those who previously are unable to get it, we could see an entire shift in how we store and use energy with these new Super Grids.

Sometimes it can seem a bit unbelievable that our technological advancements have come as far as they have. Its often noted that society has made more advancements in the last 10-years, than in the previous 100-years combined. As this pattern continues, it’s a wonder how quickly and how much will be invented as each new year passes. Either way, 2013 is sure to be a year that technology continues to advance and offer new inventions for people around the world.


10 Cool Jobs Created By The Video Game Industry

The video game industry is one of the fastest growing sectors of the entertainment business. The expansion of the video game industry has created some truly fun and exciting jobs. Below are 10 of the coolest jobs created by the video game industry.

Programmers write the computer code that makes the games function. They create game engines that control the physics of the game world and dictate how objects relate to each other, they create the artificial intelligence engines that spell out the logic followed by non-player characters, and they write the code that allow players to interact in the world of the game.

Graphics Designer

Graphics designers are the artists that create the images and animations in a game. Graphics designers create the entire look of the game, including background images, textures, characters, and objects.

Level Designer

Level designers are the people who give structure to the world of the games. They decide where to place objects and design the maps that characters follow. This is a challenging but rewarding job for someone who enjoys thinking long and hard about video games. Level designers have to structure the game to vary playing experience so players to not become bored, ensure that areas are not too easy or too difficult, and that leveling and point systems work consistently throughout the game.

The primary job for writers in the video game industry is the scripting of dialogue. The writer creates dialogue to be engaging and realistic. Writers also provide input on the larger narratives of a game, checking for internal consistency and offering suggestions on story arch and character development. Writers may also work as part of the support team, writing documentation and marketing materials for games.
Game Tester

Video game testing, also known as quality control or quality assurance, is the process of rigorously playing through every aspect of the game in order to check for errors in artwork, glitches in game logic, or moments of poor playing experience. Testers play a game over and over, playing out as many possible scenarios as possible.

It is the producer’s job to look at the big picture of the game, insuring that ever part of the game creation process is working toward creating the best possible finished product. Producers are involved in every aspect of game creation, making sure budgets and schedules are kept and that teams are communicating efficiently.
Audio Engineers

Audio engineers compose the music and create with sound effects of the game. They use music to create the mood of the game and heighten game play with all sorts of sound effects.


The most common role for a video game actor is to give voice to characters. They interpret dialogue scripts to bring the characters to life, much like actors in animated film. Some large budget game studios now use actors to model the movement and actions of characters, creating more realistic human motion than is possible from traditional animation techniques.
Virtual Economy Expert

Many large game studios have begun hiring professional economists, either as consultants or as full-time staff members. Economists create the rules for virtual economies. This is very important in massively multiplayer and social games where a large number of players interact. Economies must facilitate and encourage trade while discouraging hording and fraud.
Professional Gamer

This may be the coolest job opportunity created by the video game industry. Professional gamers make a living by competing in tournaments, putting on exhibitions, and leveraging endorsement deals. These top players get to live the dream of playing video games professionally, but only through remarkable talent and many hours of practice.

If you are someone who spends hours thinking about video games, imagining new maps or completely different sound tracks or expanded storylines to your favorite games, then one of these jobs may be for you.


The Amazing Technology Behind Cold Biological Storage Facilities

Cold biological storage facilities are designed to hold a variety of sample types. Common samples stored in the cold biological storage facilities include blood and plasma, eggs, tissues, legal specimens, plant samples, bones, and cell lines. These samples are stored safely in these types of facilities. Through careful research, scientists discovered how to design cold biological storage facilities to preserve these types of samples.

There are many different aspects of cold biological storage facilities that make it all possible. Every aspect is instrumental to proper storage. Here is some information about the amazing technology.

1. Uninterrupted Energy and Liquid Nitrogen Supply

Every company storing samples should have a set of Standard Operating Procedures (SOPs). These samples should include measures to ensure the energy supply to the cryopreservation units are maintained and operate constantly. The liquid nitrogen should also constantly flow to the units to ensure proper preservation. The temperature should be constantly monitored to ensure the samples are preserved properly.

2. Real-Time Reports

Real-time reports ensure technology is working properly. Millions of dollars can be lost if tissue samples or DNA samples are compromised. When storage units use reports to control samples and monitor progress, customers can ensure their samples are in optimal condition when needed. In general, real-time reports will contain information about temperature levels and lifetime expectancy. These reports play a large role in the preservation. Choose a cold biological facility that generates real-time reports.

3. Superior Thermal Management

Accurate sample temperatures will ensure that sample integrity will not be compromised. The protocols are the key to the success of thermal management. Maintaining the proper temperature begins with a sample management inventory system. This system will help the samples be delivered to the proper storage location where the temperature will be verified and is instrumental in maintaining the proper temperature in the system. In addition to 24 hours per day and seven days per week continuous monitoring, there are also redundant cooling systems to ensure continuous internal air rotation.

4. Extremophile Biology

Cold biological storage is often based on extremophile biology. This type of technology allows organisms to be preserved for a longer period of time before they have to be revived with rehydration. The drying process protects the samples. This type of technology made it easier to forecast how long the samples would last. This type of technology was discovered after studying how microorganisms could survive in extreme hot or cold temperatures. This concept was replicated in the form of large stainless steel tanks filled with liquid nitrogen.

guy in a lab

Today, many scientist use this same principle that was discovered in nature. While this concept has been proven to be effective, new technological advancements will provide higher success rates.

Know About the Technology Behind Cold Biological Storage Facilities

When you know how cold biological storage facilities can help you preserve samples, you will select the proper system that will help you achieve your goals. The new technology is more advanced and can preserve samples that help people solve causes, prove paternity, or conceive. The technology helps numerous people achieve their goals and can help you achieve yours also. Find out more about cryogenics and cold biological storage facilities.


Four Companies That Are Your Cell Phone’s Best Friend

The modern cellphone has become one of the most helpful and entertaining items for daily living. The smartphone has especially risen in use as different types of apps enable people from all walks of life to customize their phones. Your phone makes it possible for you to handle banking, medical issues and shopping. It allows you to watch a favorite movie or listen to your favorite songs on a whim. Many products and companies have become especially useful for those who can’t live without their cellphones. You can count on these businesses to cater to your major phone needs.



Those introductory deals on the latest smartphones seem great, but a minor mishap can change things quickly. Whether you drop your iPhone into a puddle of water or bounce your Blackberry on the concrete, you can find yourself unexpectedly cut off from your digital world. provides a variety of services, including cellphone repairs. You can quickly select the service that suits your situation, sending your device in for diagnostics and repair. There are also a number of brick-and-mortar locations around the country.

radioshack2. Radio Shack

There are many interesting accessories for today’s cellphone. Cases are important for protecting your device from unexpected spills or drops. The more you use your device, the greater the chances are of having a mishap. Some people love the ability to select colorful protective cases while others are hunting for the most durable options. Another important issue with cellphone use is power levels. Radio shack provides everything from chargers to portable power packs, perfect for keeping your phone working when you are on the move.

beats dre3. Beats by Dre

The Dr. Dre collection of headsets and listening accessories is perfect for providing the cellphone user with quality sound. If you carry a significant digital library of music on your device, then listening privately with a cheap pair of headphones can be annoying. The Dr. Dre collection provides a number of alternatives to cheap earbuds, perfect for enjoying great sound. Wireless models are particularly nice for those who want to listen while being able to leave a device in a stationary location. Beatbox products enable you to share your tunes. Dr. Dre headphones are also great for playing movies or videos on your cellphone without disturbing those around you.

plantronics4. Plantronics

One of the greatest difficulties that has occurred with cellphone use is the need to focus on the device when calling or receiving a call. The distractions result in a variety of problems, one of the most serious being related automobile accidents. Plantronics is a leading producer of high-quality hands-free devices for those who need to be able to communicate while on the go. Products range from simple button-operated devices to headsets with automatic routing and voice-activated answering. The technology and design of Plantronics devices merge to provide exceptional solutions for the mobile cellphone user.

As the smartphone industry continues to provide new communications products, there will continue to be a need for supporting products and services. These are some of the best options for facilitating a more enhanced user experience. While smartphone producers provide the platforms for communications, these companion companies provide the means to use communications devices more effectively.


5 Must Have Apps For The Traveling Business Man or Woman

Traveling is ingrained in many people’s lives. It is a way of life for many business men and women. Being on the road has both advantages and disadvantages. One advantage of traveling is the ability to experience different parts of the country, and even the world. However, one disadvantage is not having your home base and all of the comforts that go along with that. If you are a traveling business man or woman, there are several ways that technology can help you stay organized, entertained, and comforted.


One app that is absolutely essential for traveling business men and women is Cardmunch. One thing that business men and women will always do is exchange contact information. Often times, a quality contact at another company is more important than anything else. Therefore, you’ll want to be able to keep your contacts orderly. Cardmunch allows you to keep your business cards in a virtual database so that you can easily access them.

DoubleDutch Event app:

If you’re a road warrior, chances are you attend or work events for your employer. If your company isn’t dialed in with the DoubleDutch Event app then it’s time you make it happen. Often times, it is very hard for folks to keep track of all of the various sessions and speakers, and nowadays, every event, trade show or conference should use this white label event app as their solution, why reinvent the wheel every time? This app acts as a social network dedicated to the conference and allows you to share and view activities that are going on throughout the conference.


Every business man or woman needs a good to do list. Clear provides a virtual to do list so that you can keep track of tasks that you must finish. Not only does this provide a great organizational interface for you, you can check off all of the tasks you have completed, which can give you a sense of accomplishment once you’ve actually completed a task.


Dropbox is an app that connects your desktop computer and mobile devices by providing a cloud storage space for your business files. It is great because you can access important files like your presentation from any device as long as you have an internet connection. This is particularly useful for travelers because they are often accessing data from different places at different times.


Evernote allows business men and women to take notes and store them on your mobile device. It even allows you store a variety of media including audio and video notes. This app is particularly useful if you attend conferences and want to have a centralized database for your notes.