The pernicious ideology of personal finance scolds

The pernicious ideology of personal finance scolds
Are you saving enough for retirement? Probably not, if you listen to the personal finance advisers out there. These are people who perform middle-class morality by scolding people for not saving enough money. And sure, cutting debt and avoiding …
Read more on The Week Magazine

No Thinking Required: Mobile's New Spin on Personal Finance
A San Francisco startup has developed a new way to inspire financial discipline: its technology automatically transfers funds from checking to savings every few days, in amounts its algorithms believe a person can afford. Digit, which has been pilot …
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The 5 Most Messed Up Policies in the World of Personal Finance
Life's not fair, and neither is the world of personal finance. But there's unfair and then there's really, truly messed up. That $ 5 monthly fee on your prepaid card might seem unfair, for example, but the $ 495 annual fee that the Visa Black Card …
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Frank Kern I Tony Robbins about personal finance and Tony’s new book: MONEY, MASTER THE GAME Frank Kern interviews Tony Robbins about personal finance and Tony’s new book: MONEY, MASTER…
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Suze Orman On Personal Finance

SUZE ORMAN has been called “a force in the world of personal finance” and a “one-woman financial advice powerhouse” by USA Today. A two-time Emmy Award-winni…
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Global A2P SMS Market to Be Worth USD 70.32 Billion in 2020: Transparency Market Research

Albany, New York (PRWEB) January 30, 2015

The global A2P SMS market was valued at USD 53.07 billion in 2013 and is expected to reach USD 70.32 billion by 2020, growing at a CAGR of 4.2% from 2014 to 2020. The growth of A2P SMS market is primarily driven by the increasing number of mobile subscribers. A2P SMS are currently used for various applications such as updating end-user with campaign perks, location-based opportunities, first-hand/breaking news, promoting brands, polling contest, and transactional messages by major industry verticals such as banking, financial services and insurance (BFSI), entertainment, tourism, retail, marketing, healthcare and media.

To browse through the ToC or purchase the A2P SMS Market, please visit:

Application-to-person (A2P) SMS is a type of SMS service sent from an application, particularly a web application to a mobile subscriber. Introduction of applications such as Blackberry messenger and Whatsapp has resulted in substantial decrease in P2P (person-to-person) SMS volume. A2P messaging enables businesses and organizations to reach large targeted audiences of every age, demography and type of handset at low cost. Thus, A2P SMS offers potential opportunity for the growth of entire SMS market.

Customer Relationship Management (CRM) services is the largest revenue contributing application segment of the A2P SMS market. A2P SMS is also used for wide range of applications such as, payment confirmations, appointment reminders, and to send one-time passwords for two-level verification and offer real-time notification of fraudulent credit/debit card transactions. Additionally, A2P usage will be boosted by other applications such as, appointment reminders from healthcare providers, account updates from banks, mobile event ticketing and flight updates from travel sites. With growth in the global economy, the banking and financial institutions, advertising and e-commerce industry are continuously witnessing growth traction. Increase in number of mobile subscriptions allows marketers and banking and finance industry to reach to targeted people through A2P SMS; thus, fueling the market growth. The application developers, marketers, and brands are together utilizing SMS to strengthen their customer base, updating their users with breaking news, campaign perks, location-based opportunities, and other important information.

A sample of the report in PDF obtained by visiting:

Geographically, Asia Pacific was the largest market and accounted for 42.2% share in 2013. The region is expected to observe the highest growth throughout the forecast period. India, China, Japan, South Korea, Singapore and Malaysia are the key countries in the region. The growth across these countries is primarily driven by increasing e-commerce industry and campaigns for promoting brands through marketing activities.

Leading messaging platform providers and gateway solutions providers in the global A2P SMS market include Syniverse Technologies LLC., AMD Telecom S.A., FortyTwo Telecom AB, mBlox, Inc., Ogangi Corporation, Silverstreet BV, Tanla Solutions Ltd. and Symsoft AB. among others.

The report studies the global A2P SMS market, and provides estimates in terms of revenue (USD million) from 2014 to 2020. Market estimates have been provided for all application segments across geographic regions such as North America, Europe, Asia Pacific (APAC) and Rest of the World (RoW).

Get full Press Release of this report, here:

The market has been segmented as follows:

Global A2P SMS Market Revenue, by Application

Pushed Content Services
Customer Relationship Management (CRM) Services
Promotional Campaigns
Interactive Services

Global A2P SMS Market Revenue, by Geography

North America
Asia Pacific
Rest of the World

Other Report

HVAC Market:

About Us

Transparency Market Research (TMR) is a market intelligence company, providing global business information reports and services. Our exclusive blend of quantitative forecasting and trends analysis provides forward-looking insight for thousands of decision makers. TMRs experienced team of Analysts, Researchers, and Consultants, use proprietary data sources and various tools and techniques to gather, and analyze information. Our business offerings represent the latest and the most reliable information indispensable for businesses to sustain a competitive edge.



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Related Personal Finance Press Releases

Personal Finance Goals

Although for some personal finance may come natural, for many the idea of balancing their monthly income against their financial responsibilities can be a daunting task. Some find it hard to set money aside that is needed for electrical bills, water bills, insurance and end up unable to pay some of their necessities when they come due.

However, balancing your personal finance sheet does not have to be this hard. Many financial experts suggest one should create a list of all of his or her responsibilities that must be met each month. After making this list, one should take their net monthly income and see how it stacks up against all the bills that he or she has decided are must pays.

After doing this, your personal finance news become relatively simple. The hardest part is sticking with the list and making sure everything that is considered a necessity is met. After one has an understanding of their monthly needs versus their monthly income, he or she should also add an amount of savings to the list that contains the must pay bills.

It is recommended by practically every economist that one needs to have some sort of monthly savings plan. You can never tell when the alternator may fail on your car or when the wind blows your screen door from its hinges during a bad storm. By having some sort of savings account, one will be able to make any needed repairs to his or her personal property. After all, for most people a car is necessary to get them to work so this savings account would almost be like an emergency account as well.

Also, there are many ways in which one can cut his or her monthly costs. The ability to cook at home instead of dining out can be a great way to save money. Making sure your car is properly tuned can greatly increase one’s gas mileage, which is another way to cut your monthly costs. When creating a list of one’s monthly priorities, be sure to factor in expenses such as gas, dining out, and other things you may spend money on. It’s not just your power bill and mortgage that takes away from your bottom line. Anywhere there is money being spent regularly is open game to adding to your list.

Red Wealth Zone ( is a website that provides general personal finance news. The website is dedicated to providing its visitors with general rules and direction when it comes to one’s business finance news


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Lucas Group Honors 2014 Achievement Award Recipients

Atlanta, GA (PRWEB) January 08, 2015

Committed to recognizing both the individual and team accomplishments of its premier executive recruiters, Lucas Group recently announced its 2014 Best of the Best awards. Presented last month during its Annual Sales Meeting in Dallas, Texas, the awards are representative of the firms commitment to hiring, training, supporting and celebrating its high-achieving Associate workforce by providing the recruitment industrys most comprehensive, effective development programs.

For more than forty years, Lucas Group Associates have knowledgeably constructed ideal matches between hiring companies and qualified professionals, delivering talent solutions that drive financial and operational performance, solve challenges and achieve business goals. In addition, the position placements that Lucas Group Associates fill provide outstanding opportunities for demonstrated professionals and serve to build both financially and personally rewarding careers.

As a professional services firm, we are driven by a prevailing commitment to not only meet expectations, but to exceed them on behalf of our clients, our candidates and each other, said Andi Jennings, President and CEO of Lucas Group. Across the country, our Associates work tirelessly throughout the year to provide best-in-class recruitment services. Its my honor to recognize the achievements of those Associates who delivered above and beyond in 2014, and I join my colleagues in congratulating them on an amazing year.

The following Associates were recognized as the firms 2014 top-performers:

Recruiter of the Year Ahmad Popalyar, Chicago Accounting & Finance
Manager of the Year Dan McCall, Dallas Military Transition
Rookie of the Year Blake Conrad, Houston Manufacturing
2014 Special Contributor Jon Carter, Corporate
Branch of the Year Dallas Military
Presidents Award Houston Leadership Team
Bob Prather, Chief Financial Officer
Cindy Ewers, Branch Managing Partner, Sales & Marketing
David Armendariz, Branch Managing Partner Manufacturing
Jeff Bloom, Branch Managing Partner, Legal
Kevin Belbin, Branch Managing Partner, Human Resources
Ray Garcia, Branch Managing Partner Accounting & Finance

Blending national reach with local expertise, Lucas Group is home to over 300 Associates who serve the SMB, mid-tier and Fortune 500 markets with trusted search and placement services. Across 14 office locations, Lucas Group is organized into seven functional practice groups and provides management recruitment services for key business functionalities, including Accounting and Finance, Human Resources, Information Technology, Legal, Sales and Marketing, Manufacturing and Military Transition.

About Lucas Group

Lucas Group is North Americas premier executive search firm. Since 1970, our culture and methodologies have driven superior results. We assist clients ranging in size from small to medium-sized businesses to Fortune 500 companies find transcendent, executive talent; candidates fully realize their ambitions; and associates find professional success. To learn more, please visit Lucas Group at and connect with us on LinkedIn, Facebook, and Twitter.

Senior Care Authority Grows with South Bay Area Francise

Los Gatos, CA (PRWEB) December 03, 2014

Karl and Kathy Winkelman learned firsthand about the need for a senior advisory service when Karls father was diagnosed with Parkinsons disease and his mother fell ill with lung cancer.

My parents needed help with in-home care, medications, finances, estate planning, and assisted living, Karl says. We didnt know where to start. We had to search out and hire a several different people to help us help them. But if wed had a senior placement advisor guiding us, it would have spared us a lot of time, distress, and money.

Now Karl and Kathy are helping other families avoid the stress and pitfalls they experienced, by walking them through the senior placement process every step of the way.

When we started our business, we were thirsty for knowledge, Kathy says, and Frank Samson (Senior Care Authority founder) is the first person we started following, for his educational blogs, podcasts and training classes. So when Frank offered us the South Bay Area Senior Care Authority franchise, we didnt hesitate. Its important to us to be a part of a reputable company whose values reflect our own.

The Winkelmans are impressed with Senior Care Authoritys (SCA) commitment to continuing research and education in the area of senior care, and to Frank Samsons ongoing expert interviews on The Aging Boomers podcast. They also share and admire SCAs philosophy of recommending only the right locations that achieve the companys proprietary rating system of locations nationwide.

Senior Care Authority franchisees tour and review various local living options — including assisted living, independent living, memory care, and residential care homes to enable their clients to make the best possible decision for their loved ones. SCA advisors meet one-on-one with families to assess their needs, accompany them on tours of facilities, assist them with negotiations and paperwork, and follow up with them after a client is placed.

SCA offers its personalized senior placement service free of charge to clients; the company earns a commission from the communities after placement is made.

As a company designed to help people through one of lifes most difficult and confusing times, we are dedicated to providing families with personal and compassionate service, Kathy says. People first is our motto.

Previously, Karl served as a Silicon Valley executive with expertise in building new programs, solving problems, and introducing high-tech solutions to customers. He employs his business skills in an industry he feels passionate about. Kathys background of 25 years in the non-profit world includes stints in everything from sales and operations to client services, social media and training. But her real strength, she says, is in building and maintaining relationships.

Forty-year residents of Los Gatos, the Winkelmans raised three sons in this town, and have a legacy of working to improve the community in which they live. But, more importantly for their clients, they have built strong and lasting partnerships with hospitals, assisted living communities, residential care homes, independent living communities, estate planners, financial advisors, Alzheimers communities, Hospice, senior day care, and senior housing organizations.

We are more than just a senior placement service, Kathy says. Our experience and education enable us to support and assist our clients through the entire the transition process.”

The Winkelmans service area covers the Santa Clara and Santa Cruz counties. For more information, go to or call Karl and Kathy Winkelman at (408) 658.9465. To learn more about owning a Senior Care Authority franchise, visit

Senior Care Authority provides free, personalized senior placement assistance to families seeking the best long-term care options at independent living, assisted living, memory care and Alzheimers care facilities. The company serves families throughout the country through its franchise operations and network affiliates. For more information, go to or call (888) 809-1231.

Ali Woodard Honored As a Recipient of this moral Edge management of Integrity Award

Irvine, Ca (PRWEB) November 04, 2014

FRISTERS (, a nonprofit organization aimed at promoting teenage moms and kids, only revealed that Ali Woodard, president and creator of FRISTERS, will be honored as a person associated with moral Edge management of Integrity Award. Woodard, as an award receiver, is considered a leader having modeled a sustained dedication to build trust-driven interactions that elevate and encourage those she serves.

Ali Woodard features a deep and abiding fascination with improving the life conditions of teen mothers and also the outcomes for kiddies. She, herself, was pregnant inside her teenagers and experienced first-hand having less help, services, and sources for young moms. Ali has been an active volunteer on the go since 2002, whenever she produced an outreach system called One Thirty Nine at mega church, Mariners, in Irvine. She forged partnerships with neighborhood shelters offering housing for expecting adolescents and females, and mobilized volunteers to help those agencies by hosting baby baths, craft nights, and Bible researches for females. In 2003, Ali founded Club Mom, a support program for teen moms at Mariners Church, which was established in 2008 as FRISTERS. She also has offered in the boards of businesses engaged in this matter from 2002-2014. Ali has actually a Bachelors Degree in operation Finance from CSULB, and over ten years of business experience, employed by Orange County real-estate company, Koll, and san francisco bay area investment financial company, Montgomery Securities. Along with her great passion for teen moms and their children, Alis strong company back ground features contributed toward development, replication, and successful management, both operationally and financially, for the FRISTERS organization.

The management of Integrity honors know individuals with their dedication to stability and trust-driven interactions in both their expert and private lives. This year there is certainly one national honoree and three from Orange County, Ca, and every chosen honoree represents a definite arena of United states lifestyle: Business, knowledge, Technology, and personal issues.

To learn more about FRISTERS, call 949-387-7889, mail info(at)fristers(dot)org, or go to

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FRISTERS is a nonprofit business, founded and operated on Christian maxims, and it is aimed at supporting teenage mothers and kids. Yearly over 400,000 teens give birth in the United States. Numerous lose the help of family and friends. Most don’t have any senior high school diploma, no job, no drivers permit or vehicle, and data show that nearly 70% live on poverty level.

FRISTERS is dedicated to breaking the cycle of poverty and misuse among teenager moms. Since its beginning, the organization features assisted hundreds of ladies graduate twelfth grade, sign up for university and vocational education schools, get motorists permits, discover employment, get-off of benefit and turn loving, caring, responsible parents and role designs with their young ones.

FRISTERS has six locations in Orange County offering LifeCoach, a regular program for teen mothers, expecting or parenting, inside the ages of 13-24, and Kidsters Childcare and class Readiness Program for young ones, many years 0-7. These programs and services are supplied to your community free, aside from faith, race, or ethnicity and there’s no spiritual need for the programs. For more information, kindly visit

# # #

All trademarks in this release would be the home of these particular owners.

More Private Finance Press Releases

BBB Warns About Ebola Scams and Schemes

Arlington, VA (PRWEB) October 17, 2014

Better Business Bureau is warning consumers about a variety of Ebola-related scams and problematic fundraisers that have emerged recently. BBB Wise Giving Alliance is working with BBB Serving Dallas and Northeast Texas, where the first victim died and two nurses became infected; BBB Serving Greater Cleveland, where one of the nurses traveled before getting sick; and several other local BBBs to investigate some of the Ebola-related efforts.

A fundraising page on GoFundMe was created on Wednesday to raise donations for Amber Joy Vinson, the nurse who traveled from Dallas to Cleveland and is currently being treated in Atlanta for Ebola. The site may have been the work of a well-intentioned individual, but members of Vinsons family tell BBB they did not authorize the effort. Although that page has since been shut down, there are more than 100 GoFundMe pages raising money for various Ebola campaigns.

Several BBBs have also reported on phone solicitation from an organization supposedly raising money to help with Ebola. When pressed, the caller says he is from a famous charitys chapter in the Bronx, New York. BBB Metro New York confirmed that no such branch exists and that the solicitation is likely a scam.

BBB warns donors to carefully research any charitable efforts – especially those that surface following an event that gains media attention.

Check out charities at, the charity reporting arm of BBB.

Confirm that the group is actually a charity; charitable organizations that have received tax-exempt status provide more opportunities for verification.

Give to individuals you know. It is safest to give to those individuals you personally know who are contacting you to support their specific project.

Projects that share updates provide greater transparency. Updates from a projects organizers help to ensure theyre being honest about the uses of raised money.

Dont assume your donation or gift is tax deductible. If you are funding a project run by an individual instead of a charity, the funding you provide may not be deductible as a charitable gift for federal income tax purposes.

Be especially careful after a disaster or tragedy. Con artists will strike while the emotional iron is hot.

Read the fine print. There could be credit card fees and administrative costs associated with donating.

Specialized crowdfunding sites may be more adept. A site that allows any type of crowdfunding may result in more challenging oversight hurdles.

For additional assistance on charitable giving issues, visit the BBB Wise Giving Alliance website at

About BBB Wise Giving Alliance

BBB Wise Giving Alliance produces reports on more than 1,300 nationally soliciting charitable organizations, and local Better Business Bureaus report on another 10,000 local and regional charities. BBB Wise Giving Alliance is a standards-based charity evaluator that seeks to verify the trustworthiness of charities by completing rigorous evaluations based on 20 holistic standards that address charity governance, effectiveness reporting, finances, fund raising, appeal accuracy, and other issues. There is no charge to charities for the evaluation, and the resulting reports are accessible to the public at

About BBB

For more than 100 years, Better Business Bureau has been helping people find businesses, brands and charities they can trust. In 2013, people turned to BBB more than 132 million times for BBB Business Reviews on more than 4.5 million businesses and Charity Reports on 11,000 charities, all available for free at The Council of Better Business Bureaus is the umbrella organization for 112 local, independent BBBs across North America, as well as home to its national programs on dispute resolution, advertising review, and industry self-regulation.

Personal Finance

Personal finance means an application regarding finance’s principles to decisions relating to money of a person or unit of family. It shows paths according to which families or individual obtain, save, spend or budget resources of money over longer period, considering various risks of finance as well as future events of life. Personal finance includes payment done for purchasing insurance (property or health insurance) or buying any asset, or on education etc. Personal-finance’s components may include savings-account and checking, credit-cards as well as consumer debts, making investment in stock-market, plans for retirement, and benefits from social-security, policies of insurance and management of income-tax.

The key factor of the personal-finance includes financial-planning. Financial-planning is considered an active process which requires continuous monitoring as well as re-evaluation. Generally planning for finance involves five basic steps, which are mentioned in detail below:

Assessment – Financial condition of a person cab easily be calculated through compiling uncomplicated editions of the financial-balance-sheet as well as statements of income. Balance-sheet of a person shows value of the personal-assets (like for example car, clothes, house, accounts in bank or stocks) as well as personal-liabilities (like for example bank debt, credit-card loan, mortgage etc.) a statement of income of an individual lists all personal expenses and income.
Setting of goals – There are 2 examples for which goals can be set i.e. (a) retiring at the age of 65 having personal income of say $ 1,000,000 (b) buying house or a property in three years by paying monthly cost for mortgage-service which does not extend to 25 percent of total gross-income. It is very common to set in mind many goals, including mixture of both short period as well as long period goals. Setting goals according to finance available helps in directing financial-planning.
Creating plan – A plan for finance shows the path that how a set goal be accomplished. It might include say for eg reduction of unnecessary and unwanted expenses, finding different source for increasing the income through employment or investing some money in the stock-market as shares or debentures.
Execution – For executing personal-financial-plan of an individual perseverance as well as discipline is required often. Many can contact professionals for obtaining or getting assistance. The professionals can be accountants, investment-adviser, lawyer or a financial-planner.
Reassessment and monitoring – With the passage of time personal plan for finance of an individual should be supervised for making possible reassessments or adjustments.

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