Due Upon Receipt vs Net 30 - What are the best invoice payment terms? - Cashboard

Due Upon Receipt vs Net 30 - What are the best invoice payment terms? - Cashboard

Net D invoices let clients know when they're expected to pay an invoice. "Net D" refers to the number of days a client has once a project is completed to submit payment. The letter "D" is replaced by a number of days.

For example, an invoice that states "$1,000 net 15" means that you expect payment of $1,000 within 15 days of you completing the project.

Read full article from Due Upon Receipt vs Net 30 - What are the best invoice payment terms? - Cashboard

Best High Paying Affiliate Marketing Programs/Networks

Best High Paying Affiliate Marketing Programs/Networks

MaxBounty wins this year for their consistent quality, longevity and experience. Received high votes in all categories. It is unique CPA network providing weekly payments across hundreds of ad campaigns, as well as a $1000 performance bonus to new affiliates. MaxBounty takes the stance of non-competition with their affiliates.

Read full article from Best High Paying Affiliate Marketing Programs/Networks

Kajamba Review: New AD Network For Publishers

Kajamba Review: New AD Network For Publishers

Kajamba is an online Ad Networks which allows bloggers and webmasters to have all their monetization solutions in one place.

Being a publisher, I know the trouble of choosing a safe and profitable source of making bucks from our content, there is never a perfect ad network that will give you the expected amount per clicks but with Kajamba you can be sure that you get the closest to the very best value for every visitor your content, page and website attracts.

Read full article from Kajamba Review: New AD Network For Publishers

Qadabra Review: Perfect Adsense Alternative for Bloggers

Qadabra Review: Perfect Adsense Alternative for Bloggers

It was formerly called as AdsGadget, but it is recently re – launched as Qadabra, an advertising network. It is an ad platform where the site owners can earn some revenue through the advertisings which are strictly performance based. Qadabra have no such rigid guidelines and that is the reason earning through Qadabra is such a simple task.

Read full article from Qadabra Review: Perfect Adsense Alternative for Bloggers

Publisher Roundtable Analysis: Blog Monetization Tactics By Size of Site - sovrn

Publisher Roundtable Analysis: Blog Monetization Tactics By Size of Site - sovrn

Small Publishers Tend To Focus On Social Sharing

One of the more daunting tasks of a new publisher is bringing in new traffic. You may know how we love to talk about engagement but traffic is just as important when you are starting out. When we asked publishers what monetization tactics they prioritized, the smaller sites (<10,000 monthly uniques) that were controlled by a single person mostly answered Social Sharing and Affiliate content.

Read full article from Publisher Roundtable Analysis: Blog Monetization Tactics By Size of Site - sovrn

Is a Costco Executive Membership Worth an Extra $55 a Year? -- The Motley Fool

Is a Costco Executive Membership Worth an Extra $55 a Year? -- The Motley Fool

The primary benefit of an executive membership is that, once a year, Costco will reimburse you for 2% of the amount you spent at the warehouse chain over the past 12 months. Thus, the issue boils down to whether or not the potential savings will more than offset the added $55.

In most cases, it will. I say that because all it takes is a total of $3,000 spent at Costco over the course of a year to translate into $60 worth of savings. On a monthly basis, that equates to $250 in purchases -- which, speaking from experience, is enough to cover about one and a half trips to Costco for a family of four. If you spend more than that, as you can see in the chart below, your savings can grow to a maximum of $750 per year.

Read full article from Is a Costco Executive Membership Worth an Extra $55 a Year? -- The Motley Fool

Mac USB Ports Stopped Working? It’s Likely Easy to Fix

Mac USB Ports Stopped Working? It's Likely Easy to Fix

First and foremost, keep in mind that sometimes a USB device itself can fail, which may have nothing to do with the Mac itself. This is particularly true with cheap low quality USB devices and cables. The easiest way to determine if the USB device itself is the problem versus the Mac USB port, is to try and use at least two different USB devices and switch their ports. If multiple USB devices are not working on a particular port, or all ports, then it's obviously less likely to be a device issue, and more likely to be related to the Mac itself. And yes, this can apply to any and all Macs, whether a MacBook Pro, MacBook Air, MacBook, iMac, Mac Mini, or Mac Pro.

Read full article from Mac USB Ports Stopped Working? It's Likely Easy to Fix

Newborn Baby Congratulations Messages and Wishes

Newborn Baby Congratulations Messages and Wishes

Congratulation Messages to First Time Parents

There is nothing like the love a parent has for their child. We know you will be the best parents this kid could ever want. Congrats, (names).

You are so blessed to bring a new baby into the world, and I cannot wait to see your new sweet blessing.

Best wishes to the newborn baby and the lucky parents,

Sending heartiest prayers to the Almighty to make the life of this baby full of color and joy.

Dear baby, be ready to get all of the love and pampering from your lucky parents.

Read full article from Newborn Baby Congratulations Messages and Wishes

什么样的公司值得加入？ - 极客头条 - CSDN.NET

什么样的公司值得加入？ - 极客头条 - CSDN.NET

一般来说没拿到融资的创业公司基本不用考虑了，这种公司一般工资比较低，一开始都是靠创始成员自己的钱撑着，对于应届毕业生来说不建议加入，毕竟我们刚毕业没多久，肯定要养家糊口，基本的薪资保证一定要有的。

天使轮和A轮一般属于「初创型公司」，属于业务刚起步不久，人员和资源都会物尽其用，但是这个阶段只能说明公司有人投资你了，这点钱应该撑不下多久的，通俗点讲这个阶段就是：你要的钱我给你了，有了最初始的这笔钱基本算是有把事情做好的机会了，不然没钱根本连机会都没有。这个阶段加入公司属于高风险高回报，因为薪资可能稍低，而且有随时导致实业的风险，但是一旦发展起来，除了自己能力有所成长，应该还有不错的期权回报。

基本到了B轮融资可以算是「成长型公司」了，说明这家公司活下来了，这个时候公司的核心业务算是稳定了，这个阶段的公司一般在稳定发展核心业务的时候也在寻求突破，生存对他来说不是最大问题了。这个阶段加入公司风险相对较低，薪资方面也不会很差，但是期权发放应该只有那些能力不错，给公司做出贡献的人才有机会获取。

如果到了C轮、D轮基本属于「成熟型公司」了，这个时候公司规模、人员配备也很完整了，对他们来说他们的最大的目标是扩大规模，增加收入，争取上市。这个阶段加入公司薪资方面肯定比较高，但是期权的奖励就更是严格了，一般来说只有业内大牛加入才有机会有期权奖励，普通人基本不用想。

D轮以上基本就考虑上市问题了，当然如果融资太频繁，甚至到了E轮，F轮等那也不是什么好事，只能说明公司的花钱能力太大，但是商业模式还不是很成熟，没有赚钱能力。

所以综合以上推荐加入B轮以上的公司，有回报，有成长，风险相对也较小，当然在融资能力的前提下，如果能选择一些注重产品，技术氛围不错的公司那简直就是大家期待的公司了！

最后顺便说下，可能有些人一直梦想着能加入BAT，但是学历跟不上，能力又一般，不用担心，校招应不上，参加社招一样有机会，一般工作三年左右就有很大机会，但那个时候你的阅历与想法就不一定还会这样想了，比如我刚开始做Android的时候就梦想着如果有一天能进入BAT该多好啊，但是那时我投了简历人家根本鸟都没鸟我，现如今我不仅不鸟他们，很多时候我还很不认同他们的价值观，我的想法与思维再也不是当初的我了。

Read full article from 什么样的公司值得加入？ - 极客头条 - CSDN.NET

9 Adsense Alternatives that Make Money (Earnings Screenshots)

9 Adsense Alternatives that Make Money (Earnings Screenshots)

I love Media.net (read my review here).  They offer terrific ad customization resulting in high ad conversion and the RPM is decent.

Like Adsense, you can place up to 3 ad units on a page.

Overall, Media.net is a little more lenient about placement than Adsense… although they do have a terms of service you must be familiar with.  Like Adsense, Media.net (and all quality ad networks) will not tolerate garbage traffic and click fraud.

Since starting with Media.net, I've consistently increased my revenue with them.  Here's a recent earning screenshot (just to show you can actually earn decent revenue with their ad network.

Read full article from 9 Adsense Alternatives that Make Money (Earnings Screenshots)

8 Google Adsense Alternatives For Sincere Bloggers

8 Google Adsense Alternatives For Sincere Bloggers

Google Adsense is undoubtedly the largest advertising program for bloggers or publishers around the world. If you've recently started blogging, then Google Adsense may be the favorite and primary option for you to start making money with your blog from the first day. But, Google is very strict about its policy violations and if you do so, then your Adsense account may be banned.

Read full article from 8 Google Adsense Alternatives For Sincere Bloggers

Is Criteo worth Running at the Top of your Ad Stack? - Ad Network Review

Is Criteo worth Running at the Top of your Ad Stack? - Ad Network Review

Criteo will always tell you that, in order to perform their best, they need to be positioned at the top of your ad stack so they can get a first look at the impressions coming in.

They claim that having the first look will outperform the CPM's from other networks and, despite the fill rate not being high at first, they can optimize to grow that at the CPM level.

Let's be honest, every ad network would love to run at the top of your stack and get the highest quality inventory. If you haven't dealt with Criteo yet, rest assure they will always push for this pretty hard and be adamant about it.

Related Read: Casale Media Ad Network Review

So the question remains, is there any truth to this? You want to give your highest quality impressions to your best performing ad network and Criteo is new to you. Does it make sense to set them up this way? We've implemented them with a lot of our publishers and this is what we've concluded:

1) Criteo *can* be good to run at the top of your ad stack but at a low frequency cap. Run it at a low CPM Standard line item type but watch it very closely.

2) Other than your direct sales, this set up will allow Criteo to have first dibs on the impressions that come in before any other ad network – even if you have AdSense or Ad Exchange set up as dynamic allocation.

Read full article from Is Criteo worth Running at the Top of your Ad Stack? - Ad Network Review

Move over, 401(k): IRA fees are what really hurt

Move over, 401(k): IRA fees are what really hurt

You've likely heard the complaint: Retirement plan fees are too high and are cutting into your long-term investment returns. Even if you haven't heard it directly from Jack Bogle—and didn't see the "Frontline" examination in which the Vanguard Group founder was featured lambasting the 401(k) industry for fee-gouging—you've probably been convinced somewhere along the way that 401(k) fees are excessive.

But what about individual retirement accounts (IRAs)? If you don't hear as much about high IRA fees, you should listen up.

Here's one big reason: There is more money in IRAs than in 401(k) plans in the U.S., and that means more opportunity for Americans to give away more of their long-term returns to fees if they aren't careful. At the end of 2012, $5.4 trillion was invested in IRAs, versus $5.1 trillion in defined contribution plans—the plan type that includes 401(k)s, according to the Investment Company Institute.

Read full article from Move over, 401(k): IRA fees are what really hurt

What to do with your old 401(k). Is an IRA rollover the way to go?

What to do with your old 401(k). Is an IRA rollover the way to go?

Should you roll over your 401(k) to an IRA?

That question may not be first and foremost during the hectic period when you leave one job and start another. But deciding what to do with your 401(k), and evaluating the IRA (individual retirement account) option, is a matter to which you will want to give some serious thought, since there is no single strategy that works for everyone.

When you leave your job, you will have several choices:

1. You can cash in your 401(k). Consider this only if you are facing dire financial problems, since you will owe taxes on the entire amount. If you are under 59½, you will be charged a 10% penalty in addition to the taxes.
2. You can leave the money in your old 401(k). If you have more than $5,000 in your 401(k), you can usually leave the money where it is. You will not be able to make new contributions, but the contributions you have already made, plus any matching contributions from your former employer, can remain as you have them.
3. You can roll over the money to the 401(k) at your new company. You may have to wait until the next enrollment period or until you have been on the job a full year. And it could require extra paperwork. But don't let these factors stop you if this is the right move for you.
4. You can roll over the 401(k) to an IRA. Many people choose this option because it offers the opportunity to pursue a wider array of investment options, allows for greater control than being limited to your current plan's rules, and it can be a way to consolidate some of your assets. Annuities have been a popular destination for rollovers since they often provide valuable guarantees not found in 401(k) plans.

When considering rolling over the proceeds of an employer-sponsored retirement plan to an IRA, keep in mind that you have the option of leaving the funds in your existing plan, if allowed, or rolling them into a new employer's plan, if one is available and rollovers are permitted. Each choice offers advantages and disadvantages, depending on the desired investment option and services, fees and expenses, withdrawal options, required minimum distributions, tax treatments, and your unique financial needs and retirement objectives.

Several factors to consider:

Read full article from What to do with your old 401(k). Is an IRA rollover the way to go?

What if I withdraw money from my IRA?

What if I withdraw money from my IRA?

Generally, early withdrawal from an Individual Retirement Account (IRA) prior to age 59½ is subject to being included in gross income plus a 10 percent additional tax penalty. There are exceptions to the 10 percent penalty, such as using IRA funds to pay your medical insurance premium after a job loss.

Read full article from What if I withdraw money from my IRA?

Early Withdrawal Penalties - Traditional and Roth IRAs - Tax Articles & Tax Tips - H&R Block(R)

Early Withdrawal Penalties - Traditional and Roth IRAs – Tax Articles & Tax Tips – H&R Block®

You've already paid tax on your Roth IRA contributions. So, you can withdraw your regular contributions at any time and at any age with no penalty or tax. After you withdraw an amount equal to all of your regular contributions, the earnings will be taxable. This is only true if the distribution isn't a qualified distribution. If the distribution is qualified, then your distribution won't be taxed.

All of your Roth IRAs are treated as one for withdrawal purposes. It doesn't matter how many Roth IRA accounts you have.

Converted amounts and early withdrawal penalty
You can convert a traditional IRA to a Roth IRA. To take a tax-free distribution, the money must stay in the Roth IRA for five years after the year you make the conversion.

If you withdraw contributions before the five-year period, you might have to pay a **fdEarly DistPenalty1** penalty. This is an early withdrawal penalty on the entire distribution. You usually pay the 10% penalty on the amount you converted. A separate five-year period applies to each conversion.

If you're at least age 59 1/2 when you make the withdrawal, you won't pay the 10% penalty. This applies no matter how long the money is in the account. You also won't pay a penalty if you:

Read full article from Early Withdrawal Penalties - Traditional and Roth IRAs – Tax Articles & Tax Tips – H&R Block®

入籍总结 �C From China to USA

入籍总结 �C From China to USA

美国公民的配偶自绿卡批准日起（结婚不到2年的自临时绿卡起，结婚满2年的自永久绿卡起）3周年后可考虑申请入籍。
一．申请前提
1．自绿卡批准日起满3年（此日期绿卡上有）。
2．你的配偶是美国公民已至少3年。
3．你和同一美国公民的配偶持续保持婚姻关系并生活在一起至少3年。
4．在过去的3年里没有离开美国超过半年的记录（除非你能证明在这超过半年且不到一年的时间里你和你的家人仍在为美国工作并和美国保持联系，能提供连续3年的税单）。
5．在过去的3年里在美国累计居住18个月以上。
6．在以下任一条件下你可以不满足上述要求，只需持绿卡即可，你的配偶是美国公民，并且他是：
A．美国军队的成员。
B．美国政府的合同雇员。
C．被Attorney General 认定的美国研究机构的雇员。
D．美国人所开办的对外贸易公司的雇员。
E．美国为成员之一的公共国际组织的雇员。
F．在海外履行职责的宗教团体的人士。

Read full article from 入籍总结 �C From China to USA

Copy ID Cards Easy Peasy with Xerox | At Your Service

Copy ID Cards Easy Peasy with Xerox | At Your Service

1. Press the [ID Card Copy] button on the Control Panel. "Place Front Side and Press Start" will be displayed on the Display Screen.
2. Place the ID card on the Document (Scanner) Glass, with the first side to be copied facing down. The ID card should be centered in the left half of the glass, with the short edge of the card facing the front of the machine.
3. Press the [Start] button to copy the first side of the ID card. After the scanning has completed, "Place Back Side and Press Start" will be displayed.
4. Turn the ID card over and place it in the same location on the Document Glass again, with the second side to be copied facing down.
5. Press the [Start] button. The second side of the ID card will be scanned, and the copy of both sides of the card will be printed.

Read full article from Copy ID Cards Easy Peasy with Xerox | At Your Service

Target Is Simplifying Its Supply Chain To Solve Out-of-Stock Issues - Fortune

{"uid":2,"hostPeerName":"http://fortune.com","initialGeometry":"{\"windowCoords_t\":23,\"windowCoords_r\":1440,\"windowCoords_b\":850,\"windowCoords_l\":0,\"frameCoords_t\":1585,\"frameCoords_r\":825.390625,\"frameCoords_b\":1835,\"frameCoords_l\":525.390625,\"styleZIndex\":\"auto\",\"allowedExpansion_t\":705,\"allowedExpansion_r\":599.609375,\"allowedExpansion_b\":0,\"allowedExpansion_l\":525.390625,\"xInView\":1,\"yInView\":0.388}","permissions":"{\"expandByOverlay\":false,\"expandByPush\":false,\"readCookie\":false,\"writeCookie\":false}","metadata":"{\"shared\":{\"sf_ver\":\"1-0-2\",\"ck_on\":1,\"flash_ver\":\"21.0.0\"}}","reportCreativeGeometry":false}" scrolling="no" marginwidth="0" marginheight="0" width="300" height="250" data-is-safeframe="true" style="border: 0px; vertical-align: bottom;">