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The 2013 Dealbreaker Holiday Gift Guide

The holiday season is nigh and you still haven’t shopped. While you’re dreaming only of sugar plum fairies bearing fat bonuses, you don’t the time to mingle with the riff raff at some big box nightmare. Dealbreaker is here to help.  Behold the 2013 Dealbreaker Holiday Gift Guide, chockfull of descriptors like “custom,” “gourmet,” “housecleaning,” and “DB swag.”

Click through to check out all of our gift choices for the hardcore capitalist in your life. Read more »

Don’t Let Bottle Service Bust Your Budget

You’re making good money, and it’s easy to want to blow that whole paycheck. But we’ll show you a simple rule that will allow you to live large and get your financial house in order too.

If you went into finance for the love of pulling 15-hour days, more power to you. But if working in anticipation of that fateful day in February when your bonus hits your bank account, let’s just say that you aren’t alone.

When your monthly paycheck arrives, you might get stars in your eyes. You forget about that massive student loan and nagging credit card bills. Suddenly bottle service every weekend seems like a great idea. Who doesn’t love those sparklers? If you’re not careful, those morning hangovers could have a lasting effect on your bank balance. Here’s a quick crash course in how to divide up your earnings like a boss—ahem, managing director so that you can still afford the life you want without busting your budget.

Let’s discuss some general guidelines, which make up what we like to call the 50/20/30 Rule:

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Discussions about Logistics are often focused on the features that benefit large companies and corporations—exporting and importing, managing a complex supply chain, and global marketing strategies. But Logistics can also bring tremendous benefits to small businesses as well.

Logistics provides small businesses with advantages and resources that they might not be able to access otherwise, and helps to eliminate waste, reduce errors, and increase efficiency. For example, Logistics can automate many administrative tasks, freeing up time and resources so that staff can focus on more important things. Logistics also provides billing technology solutions that coordinate with software like QuickBooks and Peachtree, making accounting and invoicing easier and simpler. Read more »

This is a guest post written by SoFi’s CEO, Mike Cagney.

Click here to read the full article.

Student loans aren’t fun, and they can be confusing. What frustrates us at SoFi is the dogma in the market that students should always exhaust their federal loan options before considering private loans. This can be very bad advice. While we agree that subsidized Direct and Perkins loans are clear no-brainers for students if you are eligible for them, things get more ambiguous with unsubsidized Direct loans and become down right murky with the egregiously burdensome PLUS loan. Read more »

Smarter Student Loans

A Social Finance Revolution

The SoFi founders met at the Stanford Graduate School of Business (GSB) at a time of historically low interest rates. But when they looked at the options for funding their education, the choices weren’t great. With student loan interest rates so high and U.S. student debt exceeding $1 trillion, it was clear that there had to be a better way. Read more »

With the economic recovery stalling and continuing crises in Europe, U.S. equity investors are understandably nervous about the prospect for stocks. Halfway through 2012, the S&P 500 index is up 7.5%, but volatility remains high, with the market moving up or down by more than 1% twenty-eight times so far this year as the market seems to be driven more by news out of Europe than by companies’ fundamental earnings prospects.

All this noise may obscure a surprising fact: U.S. corporate profits, as a percentage of the economy, are at an all-time high. The market, though, may not be giving companies much credit for those robust margins: despite positive returns on stocks this year, and continuing fund flows into equities, the S&P 500 trades at just under 14x trailing-12-month earnings, well below the 10-year average of almost 17x. This suggests an expectation that current robust profit margins cannot continue; indeed, analysts at Goldman Sachs calculated an implied EPS growth rate for the S&P of negative 12.6% over the next five years.

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The extraordinary crises in the world economy over the last several years have led to an equally extraordinary monetary response from the Federal Reserve. Some six trillion dollars have been created since 2008 by the world’s major central banks to cushion financial markets and ease deflationary pressures. The Fed has more than tripled the size of its balance sheet since the crisis began, holding short-term interest rates near zero since the end of 2008 and embarking on several rounds of “quantitative easing” in an effort to push down longer-term rates and stimulate economic activity. Read more »