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The digital marketing engine behind Barack Obama's presidential campaign got him elected. It also revolutionized political campaigning forever.

By forming a direct digital connection to 13 million supporters, Obama was able to raise hundreds of millions of dollars in small donations, circumvent mainstream media, customize messaging, and give millions of supporters the tools and information necessary to drub John McCain's campaign at the local level.

Can the same tools be used in corporate mark… Continue

If you’re considering ways to lower your monthly mortgage payments, here’s what you need to know to get the help you need and avoid scammers.

If you're one of the many Americans who are staggering under the anvil weight of your mortgage, two words may yet save you: loan modification.

Simply put, a loan modification is a retooling of your home loan – by adjusting the interest rate, the loan's duration or other factors – until it's low enough each month that you can afford to pay it.

"There are… Continue

The following isn't a checklist of things you necessarily need to do in your life. It's a list of things you should know how to do in case the need arises.


Banking and credit

Open a checking and savings account.
Deposit checks into an ATM.
Get overdraft protection.
Start saving 10-20% of monthly income automatically
Manage your bank account online.
Establish a certificate of deposit ladder.
Pay your bills online.
Open an online savings account.
Link bank accounts using routing a… Continue