Christina Pomoni
Knowledgeable professional with 5+ years experience in Financial Analysis and 3+ years experience in Portfolio Management. Has worked as an Equity Research Associate and Investment & Insurance Advisor. Has provided management support in several companies and has dealt with a variety of different projects. Experienced Business and Finance writer in U.S & UK based online publishers, holding an MBA Finance with High Distinction from the American College of Greece. Has modeled Financial Plan (2007) and Capital Budget Template (2011). Has written over 70 academic projects for the University of Phoenix. Has lived in Chicago, IL, USA and Boca Raton, FL, USA as part of personal and professional development.
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American College of Greece, MBA FinanceInterests
finance, personal finance, retirement, investing, business, investment/portfolio management, financial analysis, financial planning, capital budgeting, economic & financial indicatorsMotto
There are no regrets in life; only lessons learned.
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First Notice App on ITunes, a Great Help Kit for Futures & Options TradersFirst Notice App for Futures & Options traders is a great calendar app that can notify you about anything that goes on in the Finance world, globally, in real time.
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Book Review: 'Miro the Dragon' by Theresa Berg“Miro the Dragon” teaches important lessons such as the importance of friendship, of trust, of creativity, of reward, of teamwork and of acknowledgment. It also teaches how important it is to get over our fears and to find the strength to start over.
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How to Select Property InsuranceProperty insurance can be against specific perils or multiple-perils. When you assess the type of property insurance for your business, make sure to evaluate the cost/benefit relationship between the premium paid and the coverage offered.
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Failing Business Practices that Can Raise Your Business Insurance PremiumsAs a business owner you need to comply with the laws and effectively implement practices that are valid in your state to be eligible for premium discounts. Otherwise, you will be required to pay higher premiums.
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Your Occupation Can Determine Your Auto Insurance PremiumAuto insurance coverage is assessed based on a careful analysis of several factors, including your occupation. The riskier your occupation, the higher your auto insurance premium as the risk of getting involved in a car accident is higher.
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Why You Should Avoid Salvage Title VehiclesYou may find yourself buying a clean vehicle in a national auction only to find out later than its actual value is 70 percent lower than the value of similar models due to serious structural and mechanical defects and a salvage title attached to it.
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FAQs About Auto Insurance and Natural DisastersSustaining damages from a natural disaster can be really frustrating. However, if you have the right auto insurance policy you can be sure to get the best coverage at the lowest premium.
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Things to Consider when Driving Abroad with a U.S. LicenseBefore traveling abroad with your U.S. registered vehicle make sure to meet the minimum requirements in the foreign country and to obtain the required documents.
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Consequences of Driving Without InsuranceIf you drive without insurance, and you cause bodily injuries or property damages to third parties, you may put yourself in a financially compromising situation. You could face monetary fines, legal penalties or even jail time.
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7 Great Auto Insurance Discounts You May Be Missing Out OnBy sticking to your old insurer, you may be missing out on great auto insurance discounts. Low-mileage, safe driver, anti-theft device, safety features, multi-policy, good credit rating and full premium paid are great auto insurance discounts to consider.
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How Car Safety Ratings Can Lower Your Insurance RateIf your car lacks safety features, the risk undertaken by your car insurer increases and as a result you are charged with a higher car insurance premium. In other words, the safer your car is, the lower your car insurance premium.
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How to Determine If You Need Commercial Auto InsuranceThe need for commercial auto insurance includes certain types of vehicles and their regular use. Also, you need to check if your personal auto insurance excludes particular activities to ensure coverage in case of an accident with a commercial vehicle.
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Top Auto Insurance FAQsHow car insurance premiums are determined? Why having a low deductible is not to your best interest? How can filling a claim increase your car insurance premium? Now is the time to know how car insurance works.
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Benefits of Shopping Around for Car InsuranceEven if you are almost certain that your current insurance policy is the best possible deal, by shopping around for car insurance you may get better coverage at a lower premium and adjust your insurance policies accordingly.
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Can Getting Married Lower Your Auto Insurance Premium?There are several reasons that getting married can lower your auto insurance premium, including less car mileage, discounts on multi-car insurance plans and the fact that married people are considered more responsible.
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How to Find New Clients for a Small BusinessTo grow your small business in today's competitive business environment, you need to build strong customer relationships. Most importantly, you should find effective ways to retain new customers by constantly meeting customer needs. -
Effective Networking Strategies for a Small BusinessNetworking is fundamental to the success of your small business. Building up a network of different contacts can enhance your business exposure by covering a broader spectrum of interests and cutting across geographical boundaries. -
How to Secure Your Small Business LoanFinancing a small business requires a lot of consideration. Many small business owners choose small business loans, or SBAs. -
Should You Buy Term Life Insurance?Aiming to provide temporary life insurance protection for a fairly low initial premium, term life insurance can cover short-term needs on a limited budget and provides insurance coverage to the beneficiaries when the insured is deceased.
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Choosing a Roth IRA Vs. A Traditional IRAAs a financial adviser, I would not give an affirmative response to which is better, Roth or traditional IRA. Both retirement accounts have distinctive advantages and can be great tools if you want to diversify your taxes in retirement.
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How to Prepare a Cash Flow StatementBy assimilating inputs from the balance sheet and the income statement, the cash flow statement summarizes the cash inflows and outflows of your company to help you evaluate the financial health of your business. -
Why You Should Not Liquidate Your 401kAlthough liquidating your 401k can offer your financial relief during tight financial times, there are important consequences that you need to take into account in order not to hurt your financial future during retirement years.
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Housing Market Sinking Further in Major U.S. CitiesSince July 2010, housing prices are continually falling reaching the 2003 levels in 14 major U.S. metro areas. Analysts estimate that real estate prices are expected to decline further in 2011, causing more instability in the housing market.
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First Person: 4 Ways To Protect Your Credit ScoreMaintaining low credit utilization, making timely payments, avoiding foreclosure and avoiding bankruptcy are effective ways that can help you protect your credit score so that you don't hurt your credit history.
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Choosing the Right Time for RefinancingRefinancing at the right time can save you money, but refinancing at the wrong time can increase your debt even to the extent of declaring bankruptcy.
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How My Bad Credit Costs Me Over $100,000Bad credit can be really distressing. In total, my bad credit costs me $100,865. If you wonder why some people get drown in debt while others seem to control their finances, it's probably in the way they (or apparently they don't) manage credit.
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Factors to Consider for a Mid-Career Change in a Tough Job MarketCareer reinvention after 40 can be both tough and rewarding. Consider self-employment, relocation, contract employment or part-time employment. Consider your education and mindset to ensure you can manage a successful transition.
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First Person: I Paid Off $27,000 in Student Loan Debt in 3 YearsWhile student loans provide adequate college funding, their costs can add up really quickly. Having paid off $27,000 in student loans in 3 years, here are my tips for student loan payoff.
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How to Rip a DVD to iPad FormatUsing the Clone2Go DVD to iPad converter, you can rip your DVD into iPad format in a few, simple steps and enjoy your favorite movies anytime, anyplace.
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First Person: I Saved 35% With a Home Energy AuditWith a home energy audit you can manage your energy consumption and save money on energy spending. Improved energy efficiency can lower your energy bills, improve the comfort of your house, and contribute to environmental conservation.Also published on:
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Energy Upgrades That Save Us MoneyThere are many different ways in which you can increase the energy efficiency of your home and save money on your household spending. By making simple energy upgrades you can reduce your energy spending and lower your electricity bills. -
Top 5 Puzzle Games for Sony PSPIf you are a puzzle game aficionado, you will really enjoy the best puzzle games for the PSP. After all, puzzle games have always been true time-killers and you can enjoy them anytime, anyplace.
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"Hold it Against Me" Video Clip: Pure Product Placement or the Diva's Return?Although, she seems to have realized that fighting her own, bad self is the only way to gain her rightful place in the hearts of critics, Britney didn't mind making $500,000 from aggressive product placement in the video clip of "Hold It Against Me."
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The Most Buzzed CelebritiesWhat could Natalie Portman, Robert Pattinson, Lady Gaga, and Britney Spears have in common? They are all young, attractive, and successful in what they do, but most of all, they are so famous to be acclaimed as the most buzzed celebrities.
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How to Block People on TwitterDon't hesitate to block users who most likely auto-follow and have nothing in common with you, your interests or your mindset. Having a lot of followers doesn't evoke credibility if your followers look like spammers.
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How to Optimize Your Company's LinkedIn ProfileLinkedIn is a great networking tool provided that you use its potential to the maximum. To get the full benefits of LinkedIn you have to optimize your company's profile to add value to your profile page and use LinkedIn as a valuable business resource.
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IPad: Best Free AppsIn Apple's App Store you can download thousands of free iPad apps designed specifically for your iPad. All it will cost you is time to sort out which apps you would like to install and use.
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5 Tips to Strengthen Your Company's Social Media VoiceThe effect social media on brand awareness is fundamental. You can raise you social media voice to expand your customer base, but in the long run you will also increase your sales and profitability.
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5 Reasons Why a Business Should Have a BlogIt is often difficult for the average business owner to keep all customers on the same page. A business blog can serve as an effective means to communicate the company's strategies and marketing planning to the target audience.
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What Makes a Blog Effective?You cannot meet the needs and wants of any reader on the Web, but at least make sure you provide highly quality material embellished with relevant visual content that can attract more regular visitors to your blog.
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Political Turbulence in KurdistanMany argue that the increasing economic relation of Kurdistan with its neighboring countries will prevent war. Others argue that Kurds need the support of the United States to defend themselves against interference from Turkey, Iran and Iraq.
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A Look at President Obama's Middle East PolicyIn such a turbulent environment, there is not much room for differentiation. However, what President Obama definitely does different than President Bush is that he engages in dialogue and peaceful solutions than in wars and imperialistic solutions.
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Anwar El Sadat and His Legacy to the Middle EastFor many, Sadat's true legacy is the Arab-Israeli peace process, economic development, and political liberalization in Egypt. Besides, Egypt has emerged as the leading state in the region and the broader Arab world.
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Turkey's Bid to Become an EU Member: What Will it Mean for the Region?Although Turkey gradually employs all the necessary political and economical reforms to meet the criteria for the European Union membership, there is a growing concern regarding its potential EU accession.
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Israeli Settlements: Why It's a Point of Contention, and What it Means for Each SideIsrael's persistence on the legitimacy of the settlements poses a tough challenge for negotiators, who need to maintain nearly half a million hostile citizens of Israel in a future, highly autonomous Palestinian state.
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Background and History of the Israeli-Palestinian ConflictThe Israeli-Palestinian conflict is been going on for over 60 years now. Each attack, each war, each death, each terrorist horror, each massacre only deepens the hatred and the will to keep going on until a final solution is found.
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Why Systematic Risk Cannot Be Diluted by DiversificationDiversification reduces risk exposure to achieve portfolio growth. However, even a perfectly diversified portfolio that offers exposure to major asset classes cannot dilute systematic risk because financial markets are not perfect.
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Five Self-Made Billionaires Who Made it Big Out of NothingWhat more could Zuckerberg, Lauren, Oprah, Schultz and JK Rowling have in common than their net worth and entrance to Forbes' billionaires list? Most of today's world's billionaires have made it big by capitalizing on nothing.
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How to Calculate and Reduce Credit Card Interest ChargesAre you drowning in credit card debt and you don't know why your creditors charge you so high interests? Now is the time to learn how to calculate the finance charges on your credit card, and then reduce them to enjoy a debt-free life.
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How I'm Achieving Financial FreedomFinancial freedom sounds like science fiction to many Americans, especially after the recent credit crisis and the ongoing Eurozone turbulence. I believe in the power of knowledge in terms of what money can do for me. And I'm not the only one.
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Financing Options for a Small BusinessThere are several financing options available that can make a business competitive, provided they suit its needs and match its profile. Options include debt financing, equity financing and SBA loans. -
How to Conduct a Competitive AnalysisBy conducting a competitive analysis for your small business, you can identify competition, then determine what their planned strategies are and how to capitalize on your business's distinctive competencies to achieve business growth. -
How to Delete a Skype AccountAlthough Skype is an excellent tool for staying in touch, as your contact list keeps expanding, privacy issues start to emerge. Many Skype users choose to delete their Skype account and switch to a different VoIP service.
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How to Lock the Accelerometer on an IPadiPad's accelerometer can be a true trouble if you want to surf the web, send an email or read an e-book. Apple has cleverly anticipated of that function, offering you the option to lock the accelerometer by simply sliding a button.
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How to Add Photos to an iPadAdding photos to an iPad is straightforward and can be accomplished in two simple ways, either by using iTunes or by using an SD card to keep your pictures synchronized.
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First Person: How I Beat Bank Overdraft FeesNo matter what overdraft policies they promote, banks often charge hidden fees including reordering transactions and delaying deposits. What you can do is be alert and control your spending.
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First Person: Effective Communication and Employee PerformanceEffective communication establishes good working relationships and facilitates cooperation. In contrast, ineffective communication can have a negative impact on business relationships, employee performance and organizational efficiency.
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First Person: My Get-Out-of-Debt PlanBased on the concepts of awareness, anticipation and action, my get out-of-debt plan is aimed at individuals who face financial difficulties and seem to be accumulating more debt instead of taking control of their finances.
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Achieving Optimal Portfolio DiversificationTo achieve optimal portfolio diversification you should invest in financial assets whose prices are not strongly correlated. The more correlated the prices the less diversified the portfolio.
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Understanding ETFsInvestors who buy and sell frequently may end up paying more money than if they had bought a similar commission-free mutual fund. So, ETFs are cheap to own, but may be expensive to trade.
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Pitfalls of Leveraged ETFsLeveraged ETFs have offered investors the opportunity to earn more on index-based securities. Yet, as these markets are extremely volatile, leveraged ETFs should be used systematically by savvy investors over short periods of time.
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Close-end Mutual Funds ExplainedTypically, a closed-end mutual fund needs less money than an open-end fund to be managed because fund managers do not deal directly with individual investors in the form of sending interim statements or any other type of information.
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Stock Market Investment Using the Technical Analysis MethodTechnical analysis is applied to both domestic and global capital markets and can also be used to analyze currency exchange rates and determine the prevailing sentiment in the bond market.
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How to Sell StocksInvestors should be constantly looking for a better deal in order to keep up with the changes in the market and realize a small or a large profit at any given time.
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How to Make Money Selling ShortShort selling is a complex strategy, which does not guarantee profit. Investors should be ready to accept that they may incur losses, but they also need to know how these losses can be reduced to the minimum level.
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What is a Limit Order?Limit orders are mostly used on a stock exchange than in over-the-counter markets. The main reason for this is the quicker rate at which market prices fluctuate and overall pace at which prices rise or fall on exchanges.
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Stocks Most Likely to Benefit from Healthcare ReformPresident Obama's historic healthcare reform bill of $938 billion passed by Congress on March 23, 2010 has brought major changes to the US healthcare system that is hemorrhaging for so many years in the States.
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Finance Professionals Advice About Investing in Gold CoinsThe fundamental fact that gold retains its value over time when all other investment vehicles may lose their value has been true for ages and is still true today.
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Why Standard & Poor's 500 Index is Such a Widely Used BenchmarkU.S. stocks with large market capitalization such as those included on the S&P 500 Index should be a core holding in any portfolio where the goal is long-term growth.
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Expectation Analysis on Expected Stock ReturnsGiven that the accuracy of the estimates cannot be measured when estimates are produced, economic forecasts have to be scientific i.e. formulated by verifiable predictions based on explicitly stated statistical method that can be checked or reproduced
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The Efficient Markets Hypothesis Explained in Simple TermsIt is generally impossible to outperform the market as a whole either through expert stock selection or market timing. The only way investors can gain higher returns is by undertaking higher risk.
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How to Interpret Financial Analysis RatiosTypically, investors calculate a five- or ten-year average ratio considering the time-series trend of relative financial ratios compared to the industry and the economy to derive safe conclusions about a firm's relative performance over time.
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How Reverse Stock Splits Are ImplementedA reverse stock split can ensure that the stock has the potential to remain on the index.
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Understanding Stock VolumeTrading volume is a key indicator of technical analysis, which assists investors to confirm price changes, but also to anticipate changes in price. It highlights specific market characteristics and provides signals to help forecast market movements.
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How to Pick Large Cap Growth StocksInvesting in large cap growth stocks implies investing in firms that expose above-average growth, but trade at expensive share prices. However, this is risky because if the growth rate is below expectations, the high price will decline sharply.
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How to Buy StocksInvestors should understand a firm's fundamentals, diversify their portfolio and be constantly informed about corporate news to make well-informed investment decisions.
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How to Buy ETFsAverage investors prefer actively managed funds. On the contrary, investors who follow closely the market and are full-time investors should buy ETFs, but they should also consider the trading costs and high commissions.
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Mutual Funds: Net Asset Value ExplainedThe Net Asset Value is what investors have to pay to buy the mutual fund, plus any fees included. The change in the Net Asset Value is the daily change in the value per share at the end of each trading session.
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Mutual Funds: What is Expense Ratio?The expense ratio represents the fund's annual expenses expressed as a percentage of the fund's assets. It includes all the various costs and expenses of a mutual fund into one number, making it easy for investors to avoid many calculations.
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How to Read a Mutual Fund ProspectusThe mutual fund prospectus is a valuable tool with all the relevant information such as investment objectives, expenses, portfolio holdings, fees and management that investors need to know in order to make a well-informed investment decision.
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How to Properly Assess the Stock Market TodayThe recent current financial crisis has made investors extremely nervous whereas equity analysts and stock market theorists consider that this is the perfect timing for entering the stock market. What's your deal?
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How to Become Rich with the Stock MarketBecoming rich with the stock market requires patient and careful planning. No matter what you do, make sure you have a plan and that you stick to that plan regardless of the altering market conditions.
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Understanding Closing Orders in the Stock MarketClosing orders are mostly used in over-the-counter markets (OTC). Typically, stock exchanges are more volatile than OTC markets and the intensity at which market prices change intrigues investors.
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How Stop Orders WorkStop orders are mostly used in over-counter (OTC) markets. Market prices fluctuate at a swifter speed in stock exchanges and the intensity at which prices rise or fall intrigues investors.
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No More Naked Shorting of StocksThe reinstate of the uptick rule can offset the extreme sell-off patterns in market downturns and the effects of upside and downside volatility. Also, it can offset the effects of hedge funds that create a bandwagon effect in extreme profitability.
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A Look at Short Selling StockShort selling is a particularly risk hedge strategy and it is far from being a financial panacea. It is a complicated strategy to execute, because in the long run stock markets tend to rise.
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How to Short a StockShort selling is a risky exit strategy. Short selling is always the mirror opposite of the market. To achieve effective short sale, investors need to do it at the correct timing, when the price of the share guarantees profits.
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An Overview on Penny StocksPenny stocks are the extreme opposite of blue chips, which means that institutional investors are not interested to invest in penny stocks making these investments low-volume, cheap shares of unverified firms.
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How Does Commodity Futures Day-trading Work?Commodity futures day-trading is one of the most difficult trading strategies. Investors have to be really focused on their strategy to come up with profitable day trading systems and avoid defaulting on their strategy
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What is a Futures Contract?A futures contract is a standardized contract that obliges the owner of the contract to buy or sell the underlying asset, which may be a physical commodity or a financial instrument, at certain future date at a certain price.
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How Can Futures Contracts Be Settled?Because of the daily settlement, many transactions in the futures markets are settled in cash and the physical commodity is traded in the cash market.
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How to Use Index Funds as Low-cost Options for InvestorsIndex funds are an investment strategy with clearly defined rules of ownership that are held constant in spite of market conditions. However, among low cost index funds, risk exposure is more important than any fees associated to the fund.
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When to Sell a Mutual FundCircumstances differ between investors and over time. There are specific cases that investors may sell their funds and definitely such a decision should not be taken impulsively. On the contrary, it requires a great deal of thought and consideration.
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Why Censoring Hip-Hop in the 1970s was WrongCensoring hip-hop did nothing more than heating more resistance and social riots. Music cannot create violence. Music only echoes social truth. Hip-hop was real music for real people. No censorship could control that.
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The Most Popular Games for Kindle 3Featuring innovative graphics and a highly responsive software, Amazon has released games for Kindle, practically transforming your e-book reader to a game platform. Now you have more reasons to carry your Kindle 3 around with you 24/7!
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The Differences Between Index Funds and Managed Mutual FundsIndex funds offer to investors a high level of diversification at a relative low cost. In contrast, in managed funds, the portfolio return is subject to the type of securities and the cash holding generated by the fund managers' evaluation of the market.
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How to Choose an Index FundIndex funds are the best solution, especially for investors, who prefer long-term growth without having to pay much attention.
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Advantages of Mutual FundsMutual funds achieve the highest possible capital gains by taking advantage of investment opportunities in global capital markets.
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Understanding High Beta StocksInvesting in high beta stocks does not guarantee an upside market rally, while it bears a certainty of a huge downside.
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The Different Kinds of Mutual Funds ExplainedOver the recent years, mutual funds have gained increasing popularity by being a good alternative investment solution for keeping a portfolio balanced in times of financial uncertainty.
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What Are Open-end FundsOpen-end investment companies, commonly known as mutual fund companies, can sell new shares continuously or redeem them from investors and deal directly with investors or brokers / dealers who receive a fee (sale load) for buying or selling the shares.
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Cool IPhone Apps for Movie LoversIf you are a movie addict, you can download movie apps on your iPhone to be updated 24/7 with the latest developments on the entertainment industry. IMDb Movies & TV, Movies by Flixster, Sony Pictures, Naviflix and Metromix What's Nearby are the coolest.
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First Person: How the Use of Color in Marketing Influences Consumer BehaviorBeing related to cultural influences that form consumer attitudes, stimulate emotions and guide consumer awareness, color in marketing creates brand identity and drives consumer needs.
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First Person: Narcissistic Leadership and Organizational PerformanceNarcissist leaders are highly unlikely to positively contribute to organizational performance because organizational members do not derive job satisfaction. Consequently, the organization cannot grow and meet its goals.
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The Importance of an Emergency FundToday's tough economic climate can alter your life in the blink of an eye. Setting three to six months worth of your living expenses aside in an emergency fund can provide you with the essentials to anticipate a financial emergency.
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Saving Money on GroceriesSaving money on grocery shopping can be achieved rather easily if generally you control impulsive buying and change your spending habits to avoid overspending.
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Traits of a Successful BudgetBy helping you organize your actual expenses and setting your future spending goals, a successful budget allows you to make long- and short-term projections about your financial situation and plan for major financial changes.
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The Importance of BudgetingBy keeping a budget, you will be able to spend your money in a controlled way, allowing yourself to cover your expenses and save money on a regular basis.
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The Causes of OverspendingBy overspending, not only you create a huge debt that hinders you from building wealth and being financially independent, but you also contribute to the increase of consumer spending to such high levels that eventually hurt the economy.
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What to Do when You Can't Pay Your TaxesThe Installment Payment Plan and the Offer in Compromise are options offered by the IRS that can save you time and facilitate your payments on the taxes you owe. However, the best case scenario is to make a full payment on your debt as soon as possible.
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Control Spending by Using CashBy using cash to monitor and control your spending habits, you avoid extra fees on your credit card and you can keep track of every purchase. At the end of the day, you have a perfect idea of your financial situation.
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Alternatives to Paper Invoices in the Digital AgeE-invoicing enhances the internal efficiency and also positively influences the business processes through optimization. Moreover, it makes the organization more competitive through automation and generates potential savings.
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How to Reduce Cell Phone Bills for BusinessesCell phone bills can be really expensive if you don't search for alternatives. By reviewing your cell phone bills regularly and cutting back on extras you can reduce your bills and avoid extra services that your business may not really need.
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How to Choose a Business NameTo choose a winning business name you have to put some serious thought to make sure your name can communicate to your target audience the know-how, value and exclusivity of your products or services.
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How to Avoid Trade Show Marketing MistakesParticipating in a tradeshow without knowing why you are there and how to get your message into the minds of your target audience can be a total disaster for your business.
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How Employee Morale Affects a CompanyIf organizations simply focus on generating new business and neglect their human capital, sooner or later, employee morale will decline and organizational performance will show signs of breakdown.
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Reasons Why Achieving Brand Familiarity is Not a Simple TaskAchieving brand familiarity is not easy. The study of consumer behavior has shown that the consumer's demographic profile, physiological stimuli, social profile and psychological profile are the factors that finally determine a purchasing decision.
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How to Develop an International Pricing StrategyDeveloping an international pricing strategy requires determining the optimum pricing strategy in each national market and harmonizing the prices across countries to control pricing problems and maximize profitability in foreign markets.
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Online Affiliate Marketing IdeasOnline affiliate programs provide diverse and pretty rewarding opportunities to earn huge affiliate commission whether you are looking for ways to add extra income to your residual income or to use affiliate marketing as a sole source of income.
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Understanding the Top Down Valuation ApproachThe top-down valuation approach analyzes the relationship between rates of return, industry performance and corporate earnings, showing that changes in individual stock returns are explained by changes in the rates of return of the firm's industry.
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The Top 3 Rock Albums of 2010There are many groups that could really make it to that list, but only a few, including The Arcade Fire, Interpol, and The Drums, managed, not only to achieve momentum sales, but mostly '" and most importantly '" to add value to music as we know it today.
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The Top 3 Hip Hop Albums of 2010There are many artists that could possibly make it to that list, but Eminem, Drake and Kanye West have released really great albums in 2010.
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Using Your iPhone for DIY ProjectsIf you love home improvement projects and you feel you are handy enough to handle them yourself, your iPhone can turn into an excellent assistant, providing you with all the measurements and valuable information for a successful DIY project.
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The Best Lifestyle IPad Apps of 2010When it comes to lifestyle apps, there are some excellent iPad apps that you should definitely have on your iPad because they are innovative, offer value and feature quality interface design.
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The Best IPhone Apps for Wine EnthusiastsThe following top-five wine apps on your iPhone include recommendations, reviews, ratings, and important information about wine, assisting you to discover, select, taste, pair, and collect wine.
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Best Reasons to Buy an IPod Touch This Holiday SeasonWith your iPod Touch you can browse the Internet; download thousand of songs, videos, movies or games and millions of apps. You can use it as a mini-laptop, work and listen to your favorite music, and enjoy your photos and movies on its 3.5" display.
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Apple's iPhone: A True Life SaviorMore than being a technological miracle that features a powerful iOS 4 and a number of mobile platform -related advancements, the iPhone can also save lives. It's official.
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Comparing IPhone 4 with the HTC EVO 4GBy comparing the HTC EVO 4G and the iPhone 4 results are mixed, verifying that both devices are revolutionary and innovative. The bottom line is that choosing the best or the better between the two is a matter of subjective preferences and use.
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What to Know When Buying a PC MonitorPC monitors come in different shapes and sizes. Some important factors you should consider when buying a PC monitor are: screen size, viewing angle, display resolution, response time, brightness, contrast ratio and connectivity.
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First Person: How Risk Aversion Impacts the Stock MarketRisk aversion drives huge changes in stock prices because investors are influenced by negative prospects in the equity market; credit market risk; and poor economic outlook. They reduce their holdings, unless they expect a higher equity premium.
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Greek Mythology: Who is Odysseus?Odysseus, the mythical king of the island Ithaca, is the basic hero in the epic poem of Homer, Odyssey, and he also plays a decisive role in the other epic of Homer, Heliad. He is also widely known for his inventiveness.
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Greek Mythology: Who is Demeter?Demeter was the goddess of agriculture, vegetation, land and fertility. Bearing the fruits of earth and protecting marriage and maternity, Demeter taught men hot to sow and plough and therefore she is also considered the goddess of organized society.
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The Mysteries of Greek MythologyThe ancient Mysteries were perhaps the superior intellectual heritage in Ancient Greece. In their internal significance, mysteries presented the eternal truths, both natural and intellectual that had been preserved in the passage of thousands of years.
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Understanding the Mythology of the Greek God PanCombining the human and animal factor, Pan was portrayed having goat feet and residing in mountains, forests, caverns, valleys, and so on. His adoration was equally important to those of other Olympian Gods.
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Ways to Turn a Seasonal Job into a CareerIf you are really interested in showing your value to the company and let your managers see your long-term potential for getting hired after the holiday season is over, you should demonstrate professionalism, reliability and enthusiasm.
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Tips for Turning Temporary Seasonal Jobs into Permanent PositionsTo turn your seasonal job into a career express you interest to your managers, show initiative, and undertake as many projects as possible. Alongside being punctual and overall professional, you are more likely to be considered for full-time employment.
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The Benefits and Drawbacks of Working a Seasonal JobAlthough some believe that being employed during the holiday season may ruin their resume leading employers to think of them as unreliable, seasonal employment has a great number of benefits that can actually make a resume stand out.
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How to Get a Temporary Retail Position in a Recession Holiday SeasonBy showing enthusiasm and eagerness to learn as much as possible, you are very likely not only to get the seasonal position during recession holiday season, but also to get a more permanent position in the retailer of your preference.
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How to Optimize a Holiday Job SearchFocus on your job search and look for a seasonal job as you would look for permanent employment. After all, your seasonal position may eventually turn into a full-time position if you demonstrate dedication and professionalism.
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Seasonal Jobs for RetireesWorking as a limo driver, a shuttle bus driver, a tax preparer, theme park seasonal worker or a pet sitter are some of seasonal jobs available for retirees. Visit your local employment agency and see what seasonal job opportunities they have available.
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The Top Holiday Jobs for College StudentsSome of the most popular jobs for college students during the holiday season involve, but are not limited to, retailing, restaurants and bars, tutoring, holiday events, package handling, babysitting, and ski resorts.
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How to Apply for Seasonal Jobs as a College StudentCommit to the holiday season and show reliability, flexibility and professionalism. If you stay positive and keep on looking in an organized way you are more likely to find seasonal positions that you like and you could fit.
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Holiday Employment: Tips and TricksConsidering the current unemployment rate (9.3%) finding a holiday job may be your open door to get some valuable training and set the basis for permanent employment after the holiday season is over.
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Robert De Niro: A Really Dedicated ActorHaving the unique ability to transform himself like a chameleon Robert De Niro is one of the greatest actors of all time. It was about time he was awarded with a lifetime achievement award for his contribution to the evolution of American cinema.
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Basis Risk In HedgingBasis risk is the risk that arises when the asset to be hedged and the underlying asset are not the same. Although hedging is used for managing financial risk, basis risk cannot be eliminated.
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To Hedge or Not to Hedge?Organizations use hedging to reduce or eliminate risk related to particular market variables. Although there are arguments in favor of hedging, there are both theoretical and practical reasons that organizations do not hedge.
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Advantages and Reliability of Online Forex TradingIn spite its numerous advantages, online FOREX trading has also shortcomings, mostly related to the reliability of the FOREX broker.
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5 Low Cost Franchise IdeasGood franchise ideas can turn into profitable ventures because they are businesses that already operate successfully. Yet, low investment franchises are not always high value ventures. On a long-term horizon this may prove disastrous for the franchisee.
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The Significance of Greek Pantheon in Greek MythologyBeing the principal gods of the Classical Greek and Hellenistic times, the Greek Pantheon was worshiped like being real people. By worshiping their gods, Ancient Greeks were actually projecting their fears, faults, virtues, nightmares and hopes.
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The Importance of Asset Allocation in Managing Investment RiskAsset allocation is an investment strategy that can help leverage risk and portfolio volatility by mixing different classes of assets that are expected to react differently under different market conditions.
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Advantages of Establishing a Sole ProprietorshipDespite the fact that many people avoid doing business on their own fearing the fierce competition from bigger companies, sole proprietorship enjoys benefits and advantages that are hard to argue.
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Investigating the Hierarchy of Effects Model in AdvertisingThe hierarchy of effects model is used to measure advertising effectiveness and anticipate psychological barriers on consumer behavior as a series of steps that analyze the message impact on consumers.
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A Look at the Greek Alternative Rock SceneAlthough resources for producing alternative Rock music in Greece are fewer than in the UK or the US, Raining Pleasure, Cyanna and Rosebleed are a minimum sample of what Greeks can do if only they set their minds to a cause.
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Highlights of the 2010 Forbes 50 Most Powerful Women ListIn effect, 2010 Forbes 50 Most Powerful Women list gives credit to women who are already powerful enough to be ranked high, not only because they have community impact, but basically because Forbes said so.
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Does Commercial Success Compromises Musical Integrity?If commercial music is the rule of thumb for success in the music industry, music artists are more likely to succumb to this rule rather than be its exception. Experimentation in music is not bad. What is bad is when commercial success drives creativity.
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Tips for Aspiring Digital MarketersDigital marketing requires dedication, innovation and an open mind. Advanced technologies will always be available, but if people lack the innate passion to explore behind the lines, humanity will not take any step further.
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Why Investing on the Gold Rush Through ETFsGiven the turbulent economic environment in the European Union, but also the recession that the U.S. economy has suffered recently, joining the gold rush through ETFs seems like the perfect solution right now.
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How to Advertise Inside Social Games on FacebookAiming to expand their customer base and create a community around their business, organizations widely view Facebook as the leading display advertising site on the internet and social games as a prominent advertising platform.
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Why Product Reviews Can Drive Group Buying Success for RetailersBesides uniting millions of consumers to achieve higher discount rates by bulk buying, discounted group buying sites offer the opportunity to consumers to share their views on particular products or services, thus driving sales and improving products.
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I AM KLOOT & iLIKETRAINS - Two Great British Alternative Rock CasesIn the late 90s/early 00s, I AM KLOOT and iLIKETRAINS are two great British bands, which are fairly viewed as two of the most important groups of contemporary British alternative rock scene.
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Flaws in the Capital Asset Pricing ModelThe capital asset pricing model (CAPM) is one of the most popular models to investigate the relationship between risk and return. However, several concerns have been raised in regards to it validity.
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Arcade Fire: From "Funeral" to "The Suburbs", a Great Alternative Rock StoryInnovative, creative, gloomy and more punk than ever in their latest release "The Suburbs" (2010), Arcade Fire is a great alternative rock story and seems more mature after three albums to share their quality sound with more fans.
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How Net Present Value (NPV) is CalculatedIn capital budgeting, the net present value (NPV) method s used to determine the profitability of a project taking into account the cash flows (both inflows and outflows) after the payback period.
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Valuation Methods: Discounting Cash Flows Vs. Relative ValuationThe discounted cash flow (DCF) valuation method and the relative valuation method, also known as multiples, are both broadly applied tools for effective investment decision making, but they differ in the way they estimate the value of an asset.
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The Discounted Cash Flow Accounting MethodDCF valuation method is a good method for investors to know what assets they are actually buying. If the fair value prices and the discount rate seem reasonable, then equity value is more likely to be reasonable thus making investment safer.
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How to Choose a Debt Relief ProgramThe legitimacy of the settlement company, the variety of solutions offered, the fees charged and the impact of the debt settlement on your credit score are the key factors you need to consider before choosing a debt relief program.
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Punk and Hip Hop: How Music Expresses Social ChangeBoth punk and hip hop have created stereotypes and role models and have fiercely resisted against social injustice. Moreover, they have both been related to the expression of extreme social phenomena including unemployment, criminality, even racism.
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Life After the NewsroomEven if you really miss the excitement of the newsroom, you may use your skills for public service. All you need is belief in yourself, motivation and an open mind.
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How to Engage Young AudiencesBy offering a specialized point of view and gaining high standing on the journalism map, news organizations become able to attract young audiences and provide them with the right information, through the right channel, at the right moment.
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How to Tastefully Use Racial and Ethnic Descriptions in News StoriesWhat is needed is to increase ethnic diversity in the newsrooms so that expressions like "the sly Hispanic immigrant" or the "dishonest African American" cease to exist.
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The Impact of Short Sales and Foreclosures on Your Credit ScoreIf you have the option of choosing between a short sale and allowing the bank to force you into foreclosure, it is wiser to choose a short sale to protect you credit score as much as possible.
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How to Negotiate a Loan Modification with Your LenderThe key to effectively procuring a loan modification is to have the right information and all the necessary paperwork before approaching your lender to negotiate.
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How to Determine the True Value of Your HomeKnowing the true value of your home is very important if you decide to sell your house because it helps you set a realistic asking price or if you consider refinancing your home.
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What Everyone Should Know About Certificate Deposit LaddersWith a CD ladder, investors distribute their money over a period of several years aiming to have their money deposited at the longest term. Hence, a portion of the invested money matures annually and can be reinvested over a longer period of time.
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Why Defaulting on Debt May Be an Option for GreeceBy declaring bankruptcy and returning to drachma, Greece will devalue its currency and export its products, thus becoming a competitive and prosperous country again; only this time without corrupted politicians and falsified national accounts.
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The Difference Between Credit Card Fraud and Identity TheftBoth, credit card fraud and identity theft are crimes, but in order to be protected, people have to really understand the difference between the two.
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How to Write a Resume when You Have an MBABefore getting hired, you need to get the interview, which means that you should definitely consider some important factors when writing your MBA resume.
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Interpol : A Unique Case of BandInterpol has rightly earned its place in the highest ranks of the neo post-punk groups. Easy listening bands are quickly trashed, yet Interpol are still here selling their records, supporting great bands, and selling out their own shows.
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The Importance of Product Uniqueness as a Marketing StrategyBy developing a unique value proposition firms increase the perceived value of their products and services relative to the perceived value of the products and services of their competitors, achieving competitive advantage.
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How to Survive a Bankruptcy FilingFiling for bankruptcy can be an alternative if you really cannot manage your debt. However, you should be ready to deal with negative emotions, but also with higher interest rates, higher insurance premiums, and bad credit record.
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How Companies Can Make a Profit While Still Being Socially ResponsibleBeing socially responsible does not necessarily mean not making a profit. Executives of socially responsible organizations recognize the need to establish long-term shareholder value by identifying and responding to the demands of the society.
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Tips for Dealing with Your Child's Friendship ChallengesFriendship is one of the most important things in a person's life, but it can also be extremely challenging, if it doesn't work both ways. As a parent, you should stay focused in helping your child establish healthy relationships.
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Teaching Children to Deal with the Consequences of Their ActionsTeaching children how to deal with the consequences of their actions helps them understand what responsibility is, and prepares them to enter the real adult world and be a successful part of the society.
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How Kids Deal with the Consequences of Their Parents' Drug and Alcohol AbuseDrug and alcohol addiction can have tragic consequences for children. Nearly 43% of Americans have been exposed to alcohol addiction in the family, while alcohol addiction is responsible for a series of social problems.
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Tips to Increase Online SalesTo build sales momentum you need to use a catchy headline, use precise product descriptions, keep your visitors interested, employ cross-selling and invest in impulse buyers.
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The Best Ways to Incorporate E-commerce Solutions to a WebsiteTo achieve large profit margins and low costs you need to establish a strong web presence, based on custom-made e-commerce solutions that can ensure mutually beneficial customer relationships.
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Tips for a Better EBook Reading ExperienceIf you have never used an eBook reader before, you may be overwhelmed the first time you use one. However, time after time, you will see that if you adjust it to the format you like, it can be an exhilarating experience.
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How to Make Money Writing EBooksOnline writing is a huge marketplace because the Internet allows you to target your customers and turn your writing skills into a profitable business.
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SEO Techniques for an Online StoreEffective SEO requires high search engine rankings, i.e. high quality web content and niche keywords. This brings more customers to your website, more traffic allowing you to build sales momentum and turn your online store into a profitable venture.
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The Role of Human Factor in B2B MarketplaceOrganizations that want to achieve improved market shares and higher stakes need to strengthen their marketing efforts, directing them to the latest trend of integrating social media in their B2B strategy, while promoting the importance of human element.
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Why U2 Are Still One of the Best Rock GroupsIt takes the majesty and the splendor of a group like U2 and the leadership skills of a performer like Bono to make it to the top, but mostly to be able to stay on the top for nearly 34 years.
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"The Catalyst" by Linkin Park: Not a Signature LP SoundUnlike "In The End", "Crawling" and "Numb", "The Catalyst" is not a Linkin Park classic. Although it is not the magnificent sound of the "Hybrid Theory" or the incredible "Meteora" rapping layer, it is a perfect experiment.
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Robert Smith: The Man with the Many FacesBeing the driving force behind The Cure for almost 35 years, Robert Smith remains a unique case of artist, one of those that cannot be passed, even if one hates Goth punk in its early roots.
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B2B Marketplace and Social MediaSocial media is a great way for B2B marketers to interact and exchange knowledge, offering a huge landscape to develop the appropriate marketing strategies and connect on a level that can go beyond promoting a product's benefits.
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Why Ian Curtis Will Always Be the Guru of GloomIan Curtis will always be the guru of gloom because he never sold his soul to the devil of commercial success. And because he knew how to write.
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Factors to Consider when Running an Online Start-UpAn online start-up should enter a particular market with effective strategic planning including self-discipline, understanding of business fundamentals, accurate Web marketing strategies and focus on customer loyalty.
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Bridging the Strategic Gap in Large OrganizationsΤο bridge the strategic gap it is essential that organizational culture, organizational structure and management processes are aligned.
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Why Event Planning Services Are Essential to Corporate ConventionsEvent planning is a challenging business, especially when combined with an important corporate convention. However, when the planning and execution of an event is undertaken by experienced event planners, everything will go exactly as planned.
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First Female Oscar Winning Director: Kathryn BigelowKathryn Bigelow has obviously found her paths in directing and being the first female director to have ever captured an Oscar Award opens the road for better projects from her, but also from other female directors.
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Similarities Between Lady Gaga and MadonnaMadonna and Lady Gaga, although with nearly 20 years of difference, seem to share many common features and they certainly like each other a lot.






















