Knowing corrosion will be the initial step to be able to determining the particular risk this poses inside your business. Almost most substrates revealed to typically the environment or maybe other chemicals are in risk associated with corrosion. Corrosion management may assist you response these tough questions. A person can easily also check out this page for corrosion control.
The reason why is our plant from risk? Precisely what are our risks? Deciding corrosion direct exposure risks. Identifying issues. Exactly where is that? How poor is this? What tend to be my choices?
Corrosion management possesses enormous economical and detailed implications intended for gas vendors and vendors. As any result, the actual question associated with how very best to undertake the repair of corrosion will be beset through both expense and specialized issues. Firms can accomplish a excellent deal through implementing lengthy term deterioration management methods, but a lot of are unwilling to expend money in projects which do not necessarily deliver a great early come back in purchase. Corrosion administration translates instantly into resource integrity along with extension associated with useful lifestyle – throughout other terms, operational efficiency and cost-efficiency. If tools can end up being made in order to last more time as the result associated with good deterioration management methods, then this particular will produce greater earnings for typically the operator. Take a look at this info about corrosion management.
The economical argument regarding life-cycle operations is plentiful. Actually, high-performance alloys tend to be undoubtedly offered, but that they are high-priced and improbable to create an quick, significant effect on the actual enormous variety of co2 steel piping, which consideration for ninety days per penny of the particular world’s inventory. These brand-new alloys mix the power of iron with the particular resilience regarding lining along with, in a ideal circumstance, businesses would certainly make raising use associated with them while part associated with an successful life-cycle operations program.
The actual education regarding the industry’s participants in element costing is usually an concern that should be dealt with urgently. Inside some circumstances, costings may show in which higher preliminary investment inside better elements and
engineering can significantly reduce functional maintenance, and also hence lessen overall charges over some sort of project’s life time. There are generally significant company benefits yet sadly, numerous people merely aren’t conscious
of these people.
Short term problems and the actual culture involving instant earnings is any serious issue. Prevention along with mitigation involving corrosion results in mid for you to long phrase returns, yet governments as well as industrial traders are frequently more curious in rapid wins, possibly for the actual next political election or for you to satisfy shareholder demands with regard to quick
profits. An individual can look at this for more information.
Up to now, it actually was difficult for most of the people find bullets devoid of phoning or perhaps driving a vehicle across town, or else standing in lengthy lines in the event that a vendor’s commercial transport had come. The unheard of level of rounds which the government acquired, often via sectors that truly didn’t have reason to actually even need rounds, spooked a lot of folks. Consequently, there’s enhanced consciousness abroad associated with the significance of preserving great supplies associated with rounds even though today that it would seem the actual crunch has eased. A good thing which occurred due to the particular perceived shortfall in bullets was the fact it could be acquired on the web, and furthermore, the fact that online vendors generally supply the best price ammunition anywhere with the world! The reason behind it is because each time a merchant provides his merchandise online, he isn’t actually meeting and greeting the public in the same manner which naturally he would be when in fact he or she includes a retail shop front, and also has to help maintain some sort of show place, personnel to promote these products, etc. Things are merely carried out on-line, and the organizations’ masters, or one or two workers at most, may manage the whole operation out of the back of any storage facility, if they want.
That is effectively known which something which can end up being measured could also end up being improved. This specific is the particular inspiration driving the intro of nearby SEO position tracking equipment. These are usually techniques in which allow companies to examine the performance of their very own local seo rank tracking. Here is actually a list of typically the positive aspects regarding these instruments. You may read much more about nearby seo list tracking in case you click on here.
Typically the current marketplace conditions are generally very aggressive because every single organization is actually doing almost all it can easily to receive top has a high ranking. A web site tracker is actually, therefore, essential because that allows organizations to determine the acceptance of their own sites. This is simply after this kind of information is actually gathered in which they can easily take the particular necessary methods to enhance the presence of their own sites, that results inside heightened site visitors.
Rank monitoring tool builders are SEO professionals who have have some sort of wealth associated with experience inside their job areas. They will certainly assist anyone to discover areas which need development, and suggest you in what demands to end up being done. This is remarkably inadvisable to be able to develop, up grade or bring out just about any work associated to your current business web site if anyone are not necessarily an SEO specialist simply because the final results will not really be appealing. Pay a visit to chatmeter to discover more about this specific program.
You’ll sometimes hear these days that 30 is the new 20, and the importance of moving towards career, relationship, and finance goals in your twenties gets overlooked.
When it comes to the latter category, it may seem like getting your financial house in order is something you can work on once you settle down and start your ‘real life.’ After all, it may not seem like you have many assets to manage; you may be just out of college, still in debt, and not making much money at your first job. But even so, there are steps you can start taking now that will lay a good foundation for building wealth and security as you get older.
Every man is different, so naturally everyone is going to have different financial goals. But if you’re feeling confused and overwhelmed about money, it’s sometimes helpful to see suggestions for milestones to hit at certain points in your life. You can then take those broad suggestions and refine them so they fit your personal circumstances.
To that end, today we begin a series on financial goals to aim for during different periods of your life. First up: personal finance goals for your twenties.
1. Start educating yourself about personal finance. One of the weird things about the modern age, is that even though money plays such a huge role in our lives, most of us don’t get any formal personal finance classes in school. Parents often don’t talk with their kids about the finer points of money management either. This is unfortunate, because knowledge truly is power.
When I was in law school I started a blog called The Frugal Law Student. I wanted to share tips with fellow law students about how to save money while getting your JD. Yet at the time, I didn’t know much about personal finance myself! So I went into autodidact mode and started learning about money, saving, and so on. This self-taught course really enriched my life.
You don’t have to start a blog to become a savvy money manager. It’s never too late to start educating yourself about the world of personal finance, and it’s as easy as reading the vast amount of free content online about the topic. Here are some of the sites I found invaluable during my own finance education (as well as a few that started after I hung up my FLS hat):
In addition to reading personal finance sites, I read pretty much every single book on personal finance in Tulsa County’s library system. Here’s a short list of the books that helped me the most:
2. Create a budget. There’s a moment from my college days that I distinctly remember. It was just a few months after I was completely on my own for the first time. I was going through a stack of bills I needed to pay, and suddenly felt overwhelmed. I made just enough with my job as a waiter to cover my expenses. It felt like I would never get ahead financially with the way things were going.
Whenever I get down like that for any reason, instead of wallowing, I like to take some kind of action. So I busted out some paper and scribbled a rough budget for myself. By being able to see the bird’s-eye view of my financial life, I had more of a sense of control over my finances. I could see I was spending money on stuff that I didn’t need, like cable, and I realized that I could probably cut back on food expenses by making meals at home. I started feeling more hopeful about my situation after finishing my budget.
After that experience, I kept up the practice of maintaining a budget and it has served me well. It allows you to make informed, purposeful decisions as to how to allocate your money in the best possible way to reach your goals.
If you haven’t already, make it a goal this week to set aside an hour and create a budget for yourself.
For more information, see our article on how to create a budget.
3. Research health insurance options. While the number of young people with health insurance has been increasing due to the Affordable Care Act, they’re still less likely to be covered than other demographics. Many young men forgo insurance because they feel like it’s cheaper to pay the penalty to Uncle Sam than it is to pay a monthly premium for a service they’ll likely never use.
While I understand this cocksure attitude, it’s always better to be safe than sorry. As someone who has worked in the bankruptcy courts, I’ve seen firsthand the financial damage that unforeseen medical expenses can cause. Most of the folks filing for bankruptcy were there because they weren’t able to pay for unexpected medical bills.
Don’t take that risk. Just get the darn health insurance. If you have a job that offers health insurance, explore your company’s options. If you don’t have a job that offers health insurance, search your state’s insurance exchange for an affordable plan.
If you’re healthy, you can save some money on health insurance by opting for a high deductible plan and opening up a health savings account (HSA). You’ll pay a lower monthly premium, and the money you set aside in your HSA is tax deductible.
For more information, see our article on health insurance for young adults.
4. Start an emergency fund. Sh*t happens! Instead of taking on more debt to pay for an unexpected car repair, use the cash in your emergency fund. That extra cushion of cash can go a long way in helping you achieve your long-term financial goals. When Kate and I were newlyweds, we always kept at least $1,000 in a savings account. There were several times when we were forced to dip into it for car repairs and the like, but because we had the money there, we never felt strapped for cash, even though we weren’t making much at the time.
Make it a goal to set aside $1,000 to start your emergency fund. I use CapitalOne 360 for our family. Once you pay off your high-interest consumer debt (see below), you can set the goal of creating a fund to cover 3-6 months of basic living expenses.
For more information, read our article on how to start an emergency fund.
5. Eliminate credit card debt. One of the best investments you can make in your young financial life is to eliminate high-interest credit card debt. With the average interest rate hovering around 13%, credit card purchases can get really expensive, really fast. As personal finance author Beth Kobliner notes in her book Get a Financial Life, when you pay off a credit card bill with a 14% interest rate, ‘you’re in effect paying yourself 14%, guaranteed, and tax free.’ That’s an amazing return on investment!
Make it a goal to pay off your credit cards as soon as possible. There are several approaches to doing so, which you can read about here. Once you’ve got them paid off, consider getting rid of them. I know there are all sorts of arguments for keeping a credit card around – they’re great in emergencies, you can earn rewards and cash, etc. I don’t deny that, if used properly, a credit card can be an extremely useful tool. It’s just so laden with possible pitfalls (accidentally miss a payment, rate hikes, etc.) that the downside often outweighs the benefits.
It’s possible to navigate life without a credit card. After Kate and I paid off our respective cards about nine years ago, we never renewed them. We just pay cash for everything (in the form of a debit card, or actual greenbacks). I’ve yet to regret the decision.
For more information, see our article on starting a debt reduction plan.
6. Start tracking your credit score. While you might not be planning to purchase a home or a car anytime soon, once you do, you’ll need to have good credit to take out a mortgage or a car loan. The financial moves you make when you’re 23 and dirt poor can affect your credit score when you’re 33 and applying for a mortgage. So it’s a good idea to start tracking how the banks view your creditworthiness by requesting a free yearly credit report and checking your number every year or so.
Reviewing your credit report at least once a year can also ensure that you catch illegal loans taken out in your name by identity thieves. The earlier you catch fraudulent loans, the easier it is to do something about it.
For more information, see our article on understanding credit scores and reports.
7. Start a retirement account. It’s almost become a tiresome cliché in personal finance books and blog posts, but it doesn’t make it any less true: time is your biggest ally when investing. To show you the power of time on your investments, let’s look at an example from the book Get a Financial Life:
‘Suppose you set aside $1,000 a year from age 25 to age 64 in a retirement account that earns 5% a year (historically, stocks return about 8%, but we’ll be conservative). That’s $39,000 total you invest. By the time you turn 65, you’ll have $126,840. If you don’t get started with saving until you’re 35, you’ll only have $69,760. Starting just ten years earlier would have doubled your total. Yes, doubled.’
Starting early with retirement pays off big time down the road.
So after you’ve started that emergency fund and after you’ve paid off that high-interest credit card debt, start a retirement account. If you have a job that offers a 401(k) plan, sign up. Don’t know which investments to fund your account with? Go with index funds. If your employer offers 401(k) matching, contribute at least the minimum amount for which you’re eligible to receive matching funds. But the more, the better.
If your job doesn’t offer a 401(k) or if you’re self-employed, open up a Roth IRA account. Your bank likely offers one or you can use an online broker service like Vanguard or Fidelity. Fund it with index funds.
Aim to contribute at a minimum 5% of your gross income to retirement. As you start to pay down debt and increase your emergency fund, bump up your savings rate.
For more information about retirement accounts, see our articles on:
8. Plan your debt repayment for student loans. Once you’ve paid down your high-interest debt, set aside $1,000 for an emergency fund, and opened up that retirement account, the next step is to put in place a plan to pay off the rest of your debt, and for most 20-somethings that debt is going to be made up primarily of student loans.
According to U.S. News and World Report, 70% of college grads in 2013 left school with an average student loan debt of about $30,000. Yeesh.
The college debt many young people are carrying is keeping them from pursuing large life goals like getting married and buying a home, even when they’re well into their 30s. To give yourself some more financial flexibility to have a baby or start a business, make a plan to pay off your college debt as quickly as possible.
If you have any private variable loans, pay those off first. Sure, the interest rate on them might be lower than federally backed student loans, but if the Fed decides to hike interest rates in the future, the rate on those variable loans could climb 5-6%, says Mark Kantrowitz, publisher of FinAid.org. That could make your payments on those loans unmanageable. Better to pay them off now.
For your federally-backed student loans, you have seven repayment plans to choose from. Most young people make the mistake of picking the plan that has the smallest monthly payment. Doing so causes you to pay more on interest over the loan’s lifespan.
If you’re single or married with no kids, be aggressive with your student repayment; being a bachelor is a great time to learn how to live spartanly and simply. Slash your expenses, earn extra money through side hustles, and divert your savings and income towards paying off your debt as quickly as possible.
If you’re not in a position to be super aggressive with your loan repayment because you have kids, or you’re just not making enough money right now, at least aim to put 10% of your gross income towards student loan debt. As you make more money, increase the amount of money you use to pay down your debt.
9. Start a side hustle. Besides finding ways to save money while in your 20s, start looking for ways to earn more moola. Getting in the habit of creating multiple income streams will not only build your personal wealth, but serve you well as you get older. With today’s volatile and competitive job market, you can’t rely on a steady paycheck from a corporate gig. Don’t put all your eggs in one basket – have other sources of cash coming in.
An easy way to increase your income is through a side hustle. Side-hustles are little micro-businesses that you can run when you’re not doing your day job. It could be something as simple as mowing lawns on the weekends or proofreading resumes. If you’ve got a skill, there will be someone willing to pay you for it.
When I was in college, I waited tables, but I had a side hustle tutoring Spanish. I just put up flyers in the building that housed the foreign language classes. Within a week, I had four weekly clients. At $20 an hour, that was an extra $320 a month for my wife and I. That covered more than half of our rent, giving us more money to put towards other financial goals.
For more information about starting a side hustle, read our several articles on the topic.
10. Practice negotiating. If there’s one skill I wish I spent more time developing in my 20s, it’s negotiating. I suck at it. I’ve probably left thousands of dollars on the table because of my haggling deficiency. That stings.
By being comfortable with negotiating, you’ll save and earn more money in the long run. So start mastering this art today.
You can negotiate the price of everything – homes, cars, appliances, phone bill, car insurance. Practice makes perfect.
You also make more money by negotiating for a higher salary or hourly rate. With a few hours of preparation and a bit of confidence, you can increase your income by thousands of dollars in just a few minutes time.
11. Set long-term financial goals. If you can accomplish the above ten financial goals, you’re going to be in a great position financially compared to other 20-somethings. It’s now time to start thinking about longer-term financial goals. It could be saving up a certain amount for a down payment on a home or getting a certain net worth in your 40s. Whatever those goals are, write them down and start plugging away at them.
Stay tuned for our next installment: personal finance goals for 30-somethings.
Any other financial goals you think a 20-something should aim for? Share them with us in the comments!
The recruitment process for permanent accountancy and finance positions within the commercial sectors has never been more stringent. Hiring companies are looking for candidates who exactly match their role both on paper and in person. Competition is fierce and it is vitally important to impress.
To assist candidates at the interview stage, Randstad Financial & Professional has compiled a list of questions that have been asked at recent interviews. Randstad Operations Director Steve Morris says: ‘Some questions are technical and will of course only come up if the candidate is going for a similar, relevant position. Most are competency based, requiring them to give quantifiable examples of when they have demonstrated particular skills and attributes.
‘Either way, we would advise candidates to familiarise themselves with both types of questions and consider how they might answer each. Remember, in any answer they give, they need to quantify the results they achieved. So they need to give plenty of concrete statistics and facts to back up their achievements.’
The questions management accountant candidates may be asked are as follows:
- Can you demonstrate how you have been able to extrapolate from large amounts of data to provide meaningful management reporting?
- Describe any involvement in a non-audit finance related project that you have had, for example, management reporting.
- Describe your management style.
- How do you ensure your team reaches both its departmental and individual goals?
- How do you instil a team mentality in the people who work for you?
- Describe the last thing you did to improve performance and/or productivity on your team.
Commercial accountants may be asked some of the following questions:
- Give a specific example of how your have added commercial value to your business.
- Give an example of [how you have provided] business partnering to key non-financial stakeholders and how you aided key business decisions.
- Describe a situation when you have been faced with a particularly challenging internal client and how you dealt with it. (Ensure you can say what you would do in theory if you do not have a real example.)
- Can you give an example of how you have challenged the status quo in your current role and what the outcome was?
- How can you demonstrate that you will be a good team player?
According to Randstad, financial analysts may be asked the following questions at interview:
Some example questions for a systems accountant are:
- Tell us about any accounting process that you have either developed or revised.
- Can you give an example of a bespoke report you have written and using what programs/language base?
- What does ERP [enterprise resource planning] stand for, and which ones are you familiar with?
- What systems have you implemented and what was your involvement?
- Identify some important steps to take during the conversion of an accounting system.
- Which accounting systems are you familiar with?
- Describe some of the advantages and disadvantages of the packages you have used recently.
- Explain some ways through which a database can be exploited.
- Tell me about an occasion when you handled a complex financial project with a tight deadline that required precise data collection and analysis.
Common questions for all
In addition, there are some regularly asked questions that are common to all four of these roles. According to Morris, other topics that might be covered in these interviews include the following.
- What was the last long-term goal you set yourself and how have you achieved it?
- Describe something you have done to improve your own performance.
- Give an example of when you recently failed to meet a target.
- Give an example of a client with whom you have developed an effective win/win relationship. How did you go about building the relationship?
- Tell me about a time when you relied on another person to help you with a work-related task or problem.
- Describe how you have changed the way you normally work in response to changes in your industry.
- Describe a time you created a strategy to achieve a longer term business objective.
- Describe an occasion when you had to think strategically in order to make a difficult decision.
Planning and organisation
- When you were planning your day to fit in this interview, how did you decide which task got top priority?
- Describe an occasion when your schedule was suddenly interrupted.
- When was the last time that you had to take on extra work at short notice?
- When was the last time that you had to work to a particularly tight deadline?
Lastly, here are some closing questions that the candidate might want to ask in interviews for roles such as these.
- What do you expect me to accomplish in the first 60 to 90 days?
- What are the common attributes of your top performers?
- What are a few things that really drive results for the company?
- What do your employees do in their spare time?
- How do you plan to deal with [something relevant to the business or industry]?
If you plan and prepare to answer and ask these questions, it should significantly increase the chances of a successful interview. Good luck!
If you could, would you like to talk to the younger version of you? What would you say? What pearls of wisdom would you like to pass on?
Last week I had trouble finding something to watch on TV (big surprise, right?) so I decided to instead choose a movie from our collection. I picked the 2009 ‘Star Trek’ movie which rebooted the beloved franchise.
In the movie, time travel and altering the timeline are a major part of the story (those are usually my favorite story lines). If you have seen the movie, you know you end up with and they eventually meet. The older Spock has some words of wisdom for his younger self. You can watch the clip here.
1. Don’t Work so Hard to Build Your Credit History with Credit Cards.
Midway through your third year in college (around 21 years of age), you will receive a wonderful opportunity to have a paid internship with a large technology company. This will be something that you will treasure for years to come and that will prepare you for your professional career later on.
While you are gaining all that experience and making some money, you will receive some conventional advice. Well intentioned people will tell you need to get a couple of credit cards before you finish your internship so you ‘can build your credit history‘. They will tell you, that you can’t live without credit cards and without a credit history.
Don’t fall for the trap of credit cards! You will end up with 2 of them and no income because you will still be in college!
Instead what you should do is to work to build up your savings. If you take that advice, you will get used to credit cards and those first 2 will eventually turn into 7 or 8 and debt. And by the way, those first 2 won’t really help your credit history (see the next piece of advice below).
But you can live without credit cards. They are simply a crutch that will not allow you to walk on the strength of your income. Stay away from them!
2. Don’t buy a brand new car right out of college with a high interest loan.
You will work hard for your college degree and you will get a very good job to start your professional career. The temptation will be to reward yourself with that nice car that you earned with your degree.
If you pursue this course, you will end up with a 5 year loan and a nice interest rate of 11%. The finance manager will tell you he is doing you a favor. Don’t believe him.
Instead take your time and save some money from your nice pay check for a few months to save for a nice, reliable used vehicle.
You could save $400 for 10-12 months (the average monthly car payment) and then move up in car with cash later. And remember: new cars lose 70% of their retail value in the first 4 years.
3. Don’t Mistake Your Credit Lines for an Emergency Fund.
For real security, what you should instead is to build an emergency fund to cover 6 months of expenses.
You will do some smart things and you will begin to save money in your company’s 401K plan early so you will have a nice balance. Guess what? One debt consolidation option available to you will be to borrow from the money in your 401K plan.
Why is this a mistake? First, you will unplug that amount of money from your investment vehicle missing on the growth opportunity for the length of the loan.
Second, if you lose your job, the money is due back within 60 days of leaving your job. If you don’t pay it back, it is considered an with the associated penalties and tax implications.
You will make this mistake 3 times but be blessed enough that you will keep your job during those times. But don’t take that first chance ever. Instead, get on a plan to pay your debts without borrowing money.
You will eventually get tired of paying rent and you will set a nice goal of buying a home by the time you are 30 years old. Nothing wrong with and it’s good to set goals for yourself in all areas of life.
However, more conventional wisdom will say to look for ‘creative financing’ and programs that help first time home buyers. You will barely have enough money to cover your closing costs and nothing more (and you will borrow that money from your 401K plan). And you will also take the conventional 30-year mortgage because no one will challenge that convention.
However, this is what you should do to get ready to buy a house. First, run the numbers and target a house that leaves you with a monthly mortgage payment (taxes and insurance included) that is not more than 25% of your monthly take home pay.
Second, wait and save at least 20% of the home cost as a down payment (so you can avoid paying for the Private Mortgage Insurance -PMI-).
Finally, take only a 15-year fixed rate mortgage. There is no law in the land that says you have to take a 30-year mortgage.
This post is also available in: Spanish
I read a lot of money-related blogs to compile my weekly roundup of great personal finance advice from around the Web. There are plenty of people out there sharing their tales of taking control of their finances and offering tips for others. Only a handful, though, routinely offer solid advice in language even a personal finance novice can understand. Here are the ten blogs that I think stand out from the pack.
DOWNLOAD: The Kip Tips iPad App
Get Rich Slowly. I’m not alone in naming this one of the top money blogs. Time and Money magazines have also called it one of the best. Creator J.D. Roth’s philosophy that building wealth takes time is similar to ours at Kiplinger’s. He believes in setting goals, spending less than you earn and paying yourself first — and the posts on his blog reflect these beliefs. Most of all, his tales of overcoming $35,000 in debt and achieving financial independence are inspiring.
Wise Bread. This site is about being smart with your money — or as its tagline says, ‘Living Large on a Small Budget.’ What I like about it is the broad range of money-related topics it tackles — from opening a Roth IRA for your child to reusing detergent bottles as a way to spend less and save more.
Money Crashers. Although it’s run by two twentysomethings, Money Crashers provides sensible advice to people of all ages and stages of life. It covers all aspects of personal finance, including investing, credit and debt, careers, family and home, and even small business.
20Somethingfinance. Yes, as the name suggests, this is a great site if you’re just starting out and looking for advice on how to spend less and save more from someone in your age group who’s actually managed to do this. But 20Somethingfinance creator G.E. Miller’s advice is applicable to people of all ages — and his story is inspiring. He dramatically cut his expenses and now saves 85% of his income.
Consumerism Commentary. Luke Landes, who goes by Flexo on the site, has been blogging about personal finance and his own finances since 2003. He started the blog to hold himself accountable for his money decisions. Now the site covers all aspects of personal finance and provides reviews of financial products.
MoneyNing. The posts by MoneyNing creator David Ning and the site’s other bloggers tend to be well written and substantive. And this site is more about offering solid financial advice rather than personal anecdotes.
Len Penzo dot Com. Len Penzo is always entertaining, informative and original — that is, you won’t find the same ol’, same ol’ advice on his site that you can find elsewhere. Here’s a sampling of some of his posts: ‘What’s That Smell? The Costly Joys of Maintaining Older Cars,’ ‘Sometimes It Pays Not to Look for the Best Deal,’ and ’10 More Old Wives’ Tales Masquerading as Financial Rules of Thumb.’
Budgets Are Sexy. J. Money (the pseudonym of the site’s creator) knows how to make personal finance fun (what else would you expect from a blog called Budgets Are Sexy?). He sports a mohawk, appeals to a young, hip crowd and openly shares his budget and his financial ups and downs. His advice is pretty solid — you just have to look past the grammatical errors and mild profanity.
The Simple Dollar. This site has a wealth of tips on cutting expenses and living frugally. In fact, the site’s founder, Trent Hamm, has written a book called 365 Ways to Live Cheap!.
The Digerati Life. This site is a good source of basic investing information, as well as general personal finance advice. The editor, known as Silicon Valley Blogger, also provides a lot of tips for entrepreneurs and the self-employed.