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Your Messy Desk is Killing Your Productivity
A messy desk can kill your productivity for many reasons. Clutter is visually distracting and causes the brain to begin to feel overwhelmed by the extra stimuli. It also makes it difficult to focus on assignments. Lucy Lyle, the founder of Perch, an e-commerce company, says “Your desk says a lot about who you are and how you live.” When your desk is overrun with papers and objects it can... [Read more]
Tips on How to Control Finances when Purchasing a Home
Buying a home can be difficult. Simplify it by making financially smart decisions. Buying a home can be a tantalizing and emotionally draining experience if you are not fully prepared to take on the nuances of the entire process. Furthermore, because buyers are automatically intrigued with the property they love with such great furor, they immediately look into buying the home without much thought... [Read more]
The History of Municipal Bonds
By Samuel Phineas Upham Throughout history, the practice of loaning money to governments has been integral to the development of society. Municipal bonds may not have had the structure they have today, but they pre-date most modern banking by several centuries. Some of the earliest examples of what we recognize as municipal bonds come from REnaissence Italy, where city-states formed lending contracts... [Read more]
Marriage brings new considerations for debt
Marriage brings new financial headaches and help for many especially if your new spouse has a load of debt. Your partner for life may get you into mountain of debt if you don’t take certain steps to your protect you. Good news is that if your spouse obtained these debts prior to your marriage, he or she is totally responsible and you don’t have to be responsible. Unfortunately, if you combine... [Read more]
Phin Upham speaks about Investment in financial technology
By Phin Upham The hot topic at the recent Milken Institute Global Conference was the concept of financial technology, or FinTech. One of the major takeaways from the global financial crisis is the idea that the bottom portion of the American population is not being well served by financial institutions. How Big Banks Lost Touch One of the arguments that Phin Upham presents against the traditional... [Read more]
Knowing what you owe helps to formulate a plan to pay off debt
Getting out of debt requires a strong will power and a plan. Sticking to a plan will be hard but making a commitment may get you out of debt. Here are some things that you can do to get your mind focused on paying off your debt and getting out. Put all your debt information into a spreadsheet. It will show you not only how much you owe but also minimum monthly payment, interest rate, type of debt... [Read more]
Why Does Money Matter So Much?
By Samuel Phineas Upham The concept of money, and its effects on people, can be difficult to grasp. Money is important. It is a tool that we can use to create what we want, but the idea of money may not be so simple. Tools are made for a specific purpose. You do not use a screwdriver to hammer a nail into the wall. Money was not necessarily created for any single purpose. You don’t acquire money,... [Read more]
The Yahoo Acquisition of Tumblr
Written by Samuel Phineas Upham When Yahoo announced it would buy Tumblr in 2013, the tech world collectively gasped. The Tumblr platform has become ubiquitous around the Web, building a following through simple features and sharable posts. Yahoo, in the eyes of many in the tech press, was set to ruin all of that as they had already done with Flickr and GeoCities. But Yahoo has stunned non-believers... [Read more]
What Makes Apple Ads So Effective
This article was written by Phineas Upham Apple was, and continues to be one of the most effective marketers in recent history. From the grand presentations by Steve Jobs to the brightly colored ads for the iPhone and iPod. The company uses simplicity to great effect, employing contrasting colors and sleek design to sell its products. Apple marketing is defined by three primary points of thinking,... [Read more]
Three Problems Solved by the McFadden Act
Written by Phin Upham By the middle of the 1920s, the Federal Reserve System was working full steam. It was helping to push economic growth and keep interest rates relatively stable. Even gold reserves had risen, helping to propel the Federal Reserve note to the top of the world’s currency. There were three issues that banks had to contend with in those days, which the McFadden act sought to solve. Longevity There... [Read more]