“What Obama Must Say Tonight,” “10 Tax Moves to Make in 2010,” and “Ailing Banks Favor Salaries Over Shareholders,” are all examples of the dozens of articles that could be found today at Yahoo! Finance. Yahoo! Finance is a finance website that offers lots of free information and tools all related to finance. There are many websites today that offers resources and tools related to personal finance and investing, so what does Yahoo! Finance have to offer?*Free- Although there are some services available for a fee, accessing the Yahoo! Finance website is free and so is the use of many tools.*Personalized Updates- If you choose to set up an account, you can get personalized updates when you log on about stocks or companies that you’re interested in.*Up to Date- This is one of the best things that sets Yahoo! Finance apart. Market indexes and updates are updated frequently and the “news” is fresh.*At a Glance- You can see Market index averages for the day including the DOW, NASDAQ, S&P 500 and more, as well as graphs showing the trend in these averages for the most recent working day.What’s Up at Yahoo! Finance?In addition to the Yahoo! Finance home page, you can find helpful pages on:-Investing-News and Opinion-Personal Finance-My Portfolios (if you choose to organize your financial information here)- A Tech TickerOn the Investing Pages at Yahoo! Finance:Find out about “Today’s Markets,” including recent earnings statements, recent stock splits and more.Mutual Funds, Stocks, ETFs, Options, Industries and Currencies are all explored furher. Find research, converters, calculators, articles and more.You can also learn more about world stock index levels, world news and exchange rates are under “International.”"Research and Education” offers a business term glossary, personal tutorials on finance and investing and more.Of course Yahoo! Finance also offer “Community,” a section where you can chat, ask questions or join groups.On the Personal Finance Pages at Yahoo! Finance:Get your personal finances organized at “Banking and Budgeting.” Free trials of online bill pay are available. Frequent offers include free for 6 months and $4.95 thereafter.More under Personal Finance…*Insurance*Taxes*Loans*Real estate* Family and Income*RetirementOn the News and Opinion Pages at Yahoo! Finance:Look for articles on…*Industry news*New technology*Top picks by expertsCreating a Yahoo! Finance Account:Creating an account at Yahoo! Finance is easy and free. Once you’ve created an account, you can personalize your logon so that the information that is important to you will be displayed including stock prices and relevant news pertaining to companies you are interested in.The Perks of Yahoo! Finance:Yahoo! Finance visitors and members enjoy that there’s so much financial information in one place and that the articles and financial charts on Yahoo! Finance are kept up to date. They also like that so many of the services available are free. Visitors also applaud Yahoo! for having limited ads.Popular Tools at Yahoo! Finance:There are rate charts and calculators for Mortgage, Home Equity, Savings, Auto Loans and Credit Cards for fixed loans and ARMs. You can see rates across the country as well view rates in your area.What’s not to love about Yahoo! Finance?While many users like the non-nonsense format at Yahoo! Finance, others find the finance web sites look to be drab, boring and unexciting with little more than two colors, black and blue, a limited photos.Still, Yahoo! Finance is recommended as a finance website that has a lot of helpful tools and resources that are well organized, up to date and more than not, free.

To err is human – that is what we have been hearing since we were kids and many of us take this very cushion when we make a mistake. However when you’re in an advertising PR job, you simply cannot afford to make much mistakes; in fact if you really want to benefit from your position, you need to make sure that you do not make the following mistakes, at least!Common Mistake Made in Advertising PR Job #1: Too Much AdvertisementAdvertisement does not mean that you bombard people with advertisements even in their sleep! True, companies have increased advertisement spending but that is an overall effect of the newer companies coming into the scene as well. PR advertisement professionals were never this full with assignments! When working for a company, it is your responsibility if you’re in this role to explain your board of managers how too much advertisement can backfire.Common Mistake Made in Advertising PR Job #2: Too Less Advertisement!In the search of subtlety, there shouldn’t arise a case where you do not advertise at all, or advertise too less. Because of the fact that you’re an advertising and PR combo, you have to understand the DNA of the target crowd. You need to know what they are thinking and what attracts the people most.Common Mistake Made in Advertising PR Job #3: Being too ConventionalWhat makes people attracted to a particular advertisement? Is it the thought or the presentation or the amount of advertisement? A popular survey suggests that people are in awe of ‘intelligent’ advertisements rather than them which are ‘in your face’. Too much of advertisement might not help either. Therefore it is imperative as a PR advertiser that you keep innovating further and simplifying your advertisements further!Common Mistake Made in Advertising PR Job #4: Going Overboard with HumorHumor is something that people like in advertisements. But mindless laughs/gags? No way! Your advertisement should be such that they do not appear to be mocking someone or making fun at others expense. Even if the situation demands, there is a subtle way towards the ‘perfect’ advertisement.Common Mistake Made in Advertising PR Job #5: Ignoring the People PowerWhom do you seek to target with your advertisement? Not your boss – but the public, the target customers of your product. Apart from keeping them in good humor, you also cannot underestimate the power that the target consumer wields – one mistake and you’ll be struggling to keep up the pace.Common Mistake Made in Advertising PR Job #6: Ignoring Social MediaFacebook, twitter and other online social networking applications are not just for sharing pictures, videos and commenting on stuff. They make a great advertising tool for the guy in advertisement PR job. It is not hard to guess as why they have become much fancied tools/mediums for advertisement PR professionals. They can target much more than otherwise possible with conventional media and has the power to sway people to your product like no other!

When most entrepreneurs begin the process of seeking a business loan, one of the first concerns that occupy their thoughts is the price of the loan – namely the interest rate they will be charged.As you already know, just getting a lender to consider your business loan request is hard enough these days – but, to get one to provide your business capital at a rate that you feel is the most beneficial to your operations is down right impossible.Every day I get requests from entrepreneurs (start-up or established business owners) who want to know where they can get a cheap business loan.My answer is always the same – define cheap.No loan is cheap but on the other side no loan is expensive either – if it is put to proper use.The difference between a few percentage points on a loan is no where near as meaningful as what is done with the loan proceeds. Business loans are meant to be a leveraging asset – meaning that you leverage current cash flow to obtain a loan then use that loan to generate more in new revenue than the loan costs.Thus, a loan is only an asset to be used by a business in its operation or quest to generate more income and wealth.Let’s take a simple example:You and another local competitor have identified a market niche that could potentially create new uses for your current products. While this market is yet unproven, you both believe that it has tremendous potential.You go to your lender seeking a business loan for $100,000 for three years. The lender agrees and quotes a rate of 10%; making your monthly loan payment approximately $3,227.You feel that this rate is too high given the long relationship you have had with this lender and all the money you have paid to them over the years. Plus, you spent a few hours online researching that the average business loan rate is around 8%.Your lender states that he might be able to get your rate reduced to 8% but you will have to wait until their next loan committee in two weeks to get it approved.At 8%, you monthly loan amount would be approximately $3,134 – a $93 per month savings or $3,351 over the life of the loan over the 10% rate for the same amount.In the mean time, your competitor goes to the same lender and receives a loan quote for the same amount at the 10% rate. Your competitor takes the deal.By the time the loan committee approves your 8% rate – your competitor has already executed its marketing plan for this new market, has created demand for its products and is now generating an additional $10,000 per month in new revenue from this niche.Once your loan is funded, you attempt to execute your marketing plan but find that you are a bit too late and your business is only able to generate $4,000 per month in additional revenue (your product is seen as a copy cat to the new market leader – your competitor).While this new revenue pays for the loan – the new revenue generated for your business is still some $6,000 per month lower than your competitor.Let’s look at the difference. Over three years, the total amount that you have to repay for the loan is $112,811 ($3,134 times 36 months). Your business brings in $4,000 per month for those same 36 months and you earn $144,000 with a net profit of $31,189.Your competitor spends more on his loan – $116.162 – but earns some $360,000 or net profits of $243,838 or 782% more than your business all because you wanted a cheap loan.The bottom line here is that the cost of the loan really did not matter here. The price that your business paid for not getting into this niche before your competitor is much higher (a loss of some $6,000 per month in revenue) then the $93 per month you saved.If you compare his rate of 10% to the profit he made of some $6,773 per month ($10,000 – the monthly payment) – his loan really was the cheaper one.And, it really doesn’t matter if you actually had a competitor trying to beat you to the market. There is an opportunity cost of not taking a business loan or by not getting it when the time is right.Even if you were just delayed a few weeks while fighting for a lower rate – the amount of income that you lose by waiting (an amount that you can never make up as time does not go backwards) would exceed the amount you were trying to save – in this case, (if you did not have a competitor beat you to the niche) waiting two weeks would cost about $5,000 in new revenue while you were only getting a savings of $3,351 at the lower interest rate.Now, I am not saying that you should not try to get a better deal or lower interest rate but, make sure that by doing so you are not giving up more then you are trying to save.Thus, while you squabbled over a few percentage points looking for that so called cheap business loan, the price you paid for not getting your loan on time by far exceeded any potential savings.The idea is not to try to seek a lower interest rate business loan just based on the loan itself. The whole deal (both potential and costs) have to be analyzed to fully understand what is a cheap business loan and what isn’t.