Facebook http://www.wisebread.com/taxonomy/term/7860/all en-US How I Scored Tons of Free Stuff By Building a Small Social Media Audience http://www.wisebread.com/heres-how-one-social-media-micro-star-gets-lots-of-free-stuff <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/heres-how-one-social-media-micro-star-gets-lots-of-free-stuff" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-529666142.jpg" alt="Social media star getting lots of free stuff" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>We've all heard of social media stars, aka &quot;influencers,&quot; who can quit their day jobs and live off the free resort stays, paid Instagram posts, and endless swag provided by brands eager to advertise to a large digital audience. But what if you don't have a million followers on social media? Can you still reap material benefits?</p> <p>I spent the last four months building up a modest Instagram following in my spare time. It started as a hobby, but to my surprise, brands started offering me free stuff to review much sooner than I anticipated. I fall into the realm of the &quot;micro-influencer,&quot; which is a social media account with a few thousand followers, rather than a few hundred thousand. I currently get so many offers for free products that I can't possibly say yes to them all. You can get free stuff, too, with a few social media tips.</p> <h2>1. Find a niche</h2> <blockquote class="instagram-media" data-instgrm-version="7" style=" background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:658px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);"><div style="padding:8px;"> <div style=" background:#F8F8F8; line-height:0; margin-top:40px; padding:50.0% 0; text-align:center; width:100%;"> <div style=" background:url(data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAACwAAAAsCAMAAAApWqozAAAABGdBTUEAALGPC/xhBQAAAAFzUkdCAK7OHOkAAAAMUExURczMzPf399fX1+bm5mzY9AMAAADiSURBVDjLvZXbEsMgCES5/P8/t9FuRVCRmU73JWlzosgSIIZURCjo/ad+EQJJB4Hv8BFt+IDpQoCx1wjOSBFhh2XssxEIYn3ulI/6MNReE07UIWJEv8UEOWDS88LY97kqyTliJKKtuYBbruAyVh5wOHiXmpi5we58Ek028czwyuQdLKPG1Bkb4NnM+VeAnfHqn1k4+GPT6uGQcvu2h2OVuIf/gWUFyy8OWEpdyZSa3aVCqpVoVvzZZ2VTnn2wU8qzVjDDetO90GSy9mVLqtgYSy231MxrY6I2gGqjrTY0L8fxCxfCBbhWrsYYAAAAAElFTkSuQmCC); display:block; height:44px; margin:0 auto -44px; position:relative; top:-22px; width:44px;">&nbsp;</div> </div> <p style=" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;"><a href="https://www.instagram.com/p/BHnWxevh8p3/" style=" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none;" target="_blank">A post shared by Camilla (@gracefulfaceblog)</a> on <time style=" font-family:Arial,sans-serif; font-size:14px; line-height:17px;" datetime="2016-07-08T21:05:23+00:00">Jul 8, 2016 at 2:05pm PDT</time></p> </div> </blockquote> <script async defer src="//platform.instagram.com/en_US/embeds.js"></script><p>The easiest way to get active engagement from the social media community and attention from brands is by &quot;niching down&quot; in social-media parlance. Finding a small, but dedicated community focused on a niche hobby or product can help you grow the fastest. In my case, I started by focusing on Asian beauty products, which is a very focused, but growing part of the beauty industry. My followers are highly engaged and tight-knit, making any influence in this community incredibly valuable, especially for up-and-coming brands.</p> <p>If you'd like to get free swag from brands, it helps if the products you'd like to receive aren't overwhelmingly expensive. It's far more likely for a beauty, food, or clothing brand to send you some of their wares than expensive electronics brands, for instance. I see people with just 400 to 500 followers in my niche receiving free products.</p> <h2>2. Provide value</h2> <p>Providing reviews or tips to your followers can be one way to engage the community and keep them coming back for more. Even if your social media account is more aspirational and lifestyle-oriented, be sure to think about what you're offering that will keep people's attention, and what would make them likely to purchase the products you showcase.</p> <h2>3. Post regularly</h2> <blockquote class="instagram-media" data-instgrm-version="7" style=" background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:658px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);"><div style="padding:8px;"> <div style=" background:#F8F8F8; line-height:0; margin-top:40px; padding:50.0% 0; text-align:center; width:100%;"> <div style=" background:url(data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAACwAAAAsCAMAAAApWqozAAAABGdBTUEAALGPC/xhBQAAAAFzUkdCAK7OHOkAAAAMUExURczMzPf399fX1+bm5mzY9AMAAADiSURBVDjLvZXbEsMgCES5/P8/t9FuRVCRmU73JWlzosgSIIZURCjo/ad+EQJJB4Hv8BFt+IDpQoCx1wjOSBFhh2XssxEIYn3ulI/6MNReE07UIWJEv8UEOWDS88LY97kqyTliJKKtuYBbruAyVh5wOHiXmpi5we58Ek028czwyuQdLKPG1Bkb4NnM+VeAnfHqn1k4+GPT6uGQcvu2h2OVuIf/gWUFyy8OWEpdyZSa3aVCqpVoVvzZZ2VTnn2wU8qzVjDDetO90GSy9mVLqtgYSy231MxrY6I2gGqjrTY0L8fxCxfCBbhWrsYYAAAAAElFTkSuQmCC); display:block; height:44px; margin:0 auto -44px; position:relative; top:-22px; width:44px;">&nbsp;</div> </div> <p style=" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;"><a href="https://www.instagram.com/p/BIn_7CbB1bC/" style=" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none;" target="_blank">A post shared by Camilla (@gracefulfaceblog)</a> on <time style=" font-family:Arial,sans-serif; font-size:14px; line-height:17px;" datetime="2016-08-02T23:36:21+00:00">Aug 2, 2016 at 4:36pm PDT</time></p> </div> </blockquote> <script async defer src="//platform.instagram.com/en_US/embeds.js"></script><p>When your followers know you have new content coming regularly, they're more likely to seek it out and engage with your posts. Your followers will feel like they know you better. Brands will know that you post consistently, and are likely to follow through with reviewing or showcasing their products. This may differ based on the social media platform &mdash; you could post several times a day on Instagram without fatiguing your followers, for instance, whereas you may want to post less frequently on Facebook, YouTube, and other platforms.</p> <h2>4. Do your hashtag or keyword research</h2> <p>On Instagram and Twitter, make sure you're using targeted, effective hashtags. For other social media platforms such as YouTube and blogs, make sure you do your keyword research so your posts show up in Google search.</p> <h2>5. Create great visuals</h2> <blockquote class="instagram-media" data-instgrm-version="7" style=" background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:658px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);"><div style="padding:8px;"> <div style=" background:#F8F8F8; line-height:0; margin-top:40px; padding:50.0% 0; text-align:center; width:100%;"> <div style=" background:url(data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAACwAAAAsCAMAAAApWqozAAAABGdBTUEAALGPC/xhBQAAAAFzUkdCAK7OHOkAAAAMUExURczMzPf399fX1+bm5mzY9AMAAADiSURBVDjLvZXbEsMgCES5/P8/t9FuRVCRmU73JWlzosgSIIZURCjo/ad+EQJJB4Hv8BFt+IDpQoCx1wjOSBFhh2XssxEIYn3ulI/6MNReE07UIWJEv8UEOWDS88LY97kqyTliJKKtuYBbruAyVh5wOHiXmpi5we58Ek028czwyuQdLKPG1Bkb4NnM+VeAnfHqn1k4+GPT6uGQcvu2h2OVuIf/gWUFyy8OWEpdyZSa3aVCqpVoVvzZZ2VTnn2wU8qzVjDDetO90GSy9mVLqtgYSy231MxrY6I2gGqjrTY0L8fxCxfCBbhWrsYYAAAAAElFTkSuQmCC); display:block; height:44px; margin:0 auto -44px; position:relative; top:-22px; width:44px;">&nbsp;</div> </div> <p style=" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;"><a href="https://www.instagram.com/p/BRJxnPhgdF1/" style=" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none;" target="_blank">A post shared by Camilla (@gracefulfaceblog)</a> on <time style=" font-family:Arial,sans-serif; font-size:14px; line-height:17px;" datetime="2017-03-02T22:36:38+00:00">Mar 2, 2017 at 2:36pm PST</time></p> </div> </blockquote> <script async defer src="//platform.instagram.com/en_US/embeds.js"></script><p>If you want brands to be showcased on your account, you need to make their products look good. While you don't have to be a professional photographer, spend some time setting up your photos, and make sure they're clear, well-lit, and pleasing to the eye. Photo editing apps such as VSCO, Snapseed, and Facetune can help you create social media-ready photos without the need for professional photo-editing software. (See also: <a href="http://www.wisebread.com/these-6-instragrammers-are-getting-rich-by-traveling-the-world" target="_blank">6 Instagrammers Getting Rich by Traveling the World</a>)</p> <h2>6. Focus on engagement</h2> <p>Social media isn't all a numbers game, contrary to popular opinion. You may only have a few hundred followers, but if you have a high proportion of your followers commenting and &quot;liking&quot; your posts, you show brands that your followers care about your opinions. To many brands, engagement counts as much as numbers, and in some cases, more. (See also: <a href="http://www.wisebread.com/5-social-media-stars-who-earn-way-more-than-you?ref=seealso" target="_blank">5 Social Media Stars Who Earn Way More Than You</a>)</p> <h2>7. Be authentic</h2> <blockquote class="instagram-media" data-instgrm-version="7" style=" background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:658px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);"><div style="padding:8px;"> <div style=" background:#F8F8F8; line-height:0; margin-top:40px; padding:50.0% 0; text-align:center; width:100%;"> <div style=" background:url(data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAACwAAAAsCAMAAAApWqozAAAABGdBTUEAALGPC/xhBQAAAAFzUkdCAK7OHOkAAAAMUExURczMzPf399fX1+bm5mzY9AMAAADiSURBVDjLvZXbEsMgCES5/P8/t9FuRVCRmU73JWlzosgSIIZURCjo/ad+EQJJB4Hv8BFt+IDpQoCx1wjOSBFhh2XssxEIYn3ulI/6MNReE07UIWJEv8UEOWDS88LY97kqyTliJKKtuYBbruAyVh5wOHiXmpi5we58Ek028czwyuQdLKPG1Bkb4NnM+VeAnfHqn1k4+GPT6uGQcvu2h2OVuIf/gWUFyy8OWEpdyZSa3aVCqpVoVvzZZ2VTnn2wU8qzVjDDetO90GSy9mVLqtgYSy231MxrY6I2gGqjrTY0L8fxCxfCBbhWrsYYAAAAAElFTkSuQmCC); display:block; height:44px; margin:0 auto -44px; position:relative; top:-22px; width:44px;">&nbsp;</div> </div> <p style=" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;"><a href="https://www.instagram.com/p/BNyO9OSh1Ik/" style=" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none;" target="_blank">A post shared by Camilla (@gracefulfaceblog)</a> on <time style=" font-family:Arial,sans-serif; font-size:14px; line-height:17px;" datetime="2016-12-09T05:37:05+00:00">Dec 8, 2016 at 9:37pm PST</time></p> </div> </blockquote> <script async defer src="//platform.instagram.com/en_US/embeds.js"></script><p>Everyone on the social media scene harps on the importance of being authentic, but it isn't always easy when you're putting only your best photos and content out there on the internet. There's a fine line between appearing professional (and thus appealing to brands) and being approachable. Don't be afraid to share a little bit about yourself personally, but don&rsquo;t veer into the realm of too much information or negativity.</p> <p>It may seem a little odd to say this in an article about how to get free stuff, but don't be too focused on getting free stuff. Your followers can spot a mercenary attitude a mile away, and your account won't grow if it seems like it only exists to get freebies. I started my account to chronicle my hobby, not to get free products. The free swag was just a nice byproduct of being immersed in a great community.</p> <h2>8. Join influencer apps and networks</h2> <p>The Influenster app is probably the most well-known and popular influencer app, with broad categories such as food, haircare, home goods, beauty, and more. With this influencer network, you receive free samples to review on your social media accounts. The more followers you have, the more likely you are to receive samples regularly, though I started receiving products even when I only had a few hundred followers.</p> <p>I've also started using Brandbacker, an influencer network that allows you to apply to do brand campaigns in exchange for free products or sometimes paid opportunities.</p> <h2>9. Approach brands directly</h2> <blockquote class="instagram-media" data-instgrm-version="7" style=" background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:658px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);"><div style="padding:8px;"> <div style=" background:#F8F8F8; line-height:0; margin-top:40px; padding:50.0% 0; text-align:center; width:100%;"> <div style=" background:url(data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAACwAAAAsCAMAAAApWqozAAAABGdBTUEAALGPC/xhBQAAAAFzUkdCAK7OHOkAAAAMUExURczMzPf399fX1+bm5mzY9AMAAADiSURBVDjLvZXbEsMgCES5/P8/t9FuRVCRmU73JWlzosgSIIZURCjo/ad+EQJJB4Hv8BFt+IDpQoCx1wjOSBFhh2XssxEIYn3ulI/6MNReE07UIWJEv8UEOWDS88LY97kqyTliJKKtuYBbruAyVh5wOHiXmpi5we58Ek028czwyuQdLKPG1Bkb4NnM+VeAnfHqn1k4+GPT6uGQcvu2h2OVuIf/gWUFyy8OWEpdyZSa3aVCqpVoVvzZZ2VTnn2wU8qzVjDDetO90GSy9mVLqtgYSy231MxrY6I2gGqjrTY0L8fxCxfCBbhWrsYYAAAAAElFTkSuQmCC); display:block; height:44px; margin:0 auto -44px; position:relative; top:-22px; width:44px;">&nbsp;</div> </div> <p style=" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;"><a href="https://www.instagram.com/p/BSOpfAyAFlL/" style=" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none;" target="_blank">A post shared by Camilla (@gracefulfaceblog)</a> on <time style=" font-family:Arial,sans-serif; font-size:14px; line-height:17px;" datetime="2017-03-29T16:33:12+00:00">Mar 29, 2017 at 9:33am PDT</time></p> </div> </blockquote> <script async defer src="//platform.instagram.com/en_US/embeds.js"></script><p>Once you have a social media presence and have established your niche, it doesn't hurt to approach brands directly for free samples to showcase. You can approach brands via private message on social media, or look for their marketing or PR contacts via their websites. Send a concise, professional message, and tell them what value you bring to the table. Do you give really helpful, detailed reviews? Or beautiful photography? How can your content benefit the brand?</p> <p>Smaller brands are often willing to reach out to influencers with smaller followings, but you'd be surprised what response you might get (and the free goodies) if you reach out to larger brands who may have more of a marketing budget.</p> <h2>10. Be clear about expectations</h2> <p>It's exciting to get free products just for putting up a post on social media. Just be sure to set clear expectations, both for yourself and for brands you're working with, about just how much content you will create. Some brands expect you to create several posts across several different social media platforms in exchange for a free item. Others may be willing to send you the products with no strings attached and hope that you'll post something positive about them. It's best to be on the same page to begin with, and try to get it in writing, even if it's just a quick note via private message. And remember, you can always say no. Free products don't pay the bills, after all.</p> <p>Everyone wants a slice of the social media marketing pie these days, so if you're willing to create great content in exchange for free stuff, it's not too hard to do so. Many small influencers are able to support their hobby this way, without having to shell out too much of their own cash. And who knows, once you've mastered micro-influencer territory, you might even be able to turn your social media account into a paid side gig.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/camilla-cheung">Camilla Cheung</a> of <a href="http://www.wisebread.com/heres-how-one-social-media-micro-star-gets-lots-of-free-stuff">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money">6 Ways Social Media Can Save You Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-34-smart-ways-to-improve-your-social-media-presence">Flashback Friday: 34 Smart Ways to Improve Your Social Media Presence</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-social-media-stars-who-earn-way-more-than-you">5 Social Media Stars Who Earn Way More Than You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/social-media-an-easy-source-of-coupons">Social Media: An Easy Source of Coupons</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-surprising-ways-social-media-stars-make-money">5 Surprising Ways Social Media Stars Make Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology Facebook free goodies free stuff instagram side hustle snapchat social media social media following social media star twitter Mon, 22 May 2017 08:00:12 +0000 Camilla Cheung 1950344 at http://www.wisebread.com Flashback Friday: 34 Smart Ways to Improve Your Social Media Presence http://www.wisebread.com/flashback-friday-34-smart-ways-to-improve-your-social-media-presence <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-34-smart-ways-to-improve-your-social-media-presence" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_happy_phone_519863698.jpg" alt="Woman finding smart ways to improve social media presence" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Having a social media presence used to be optional, and only for the digital journalism world. But now, having a decent following seems like a requirement if you want to run a business, successfully share your art, and engage with others in your industry. Here's how to improve your social media presence.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_000033755744_Large.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/5-surprising-ways-social-media-stars-make-money?ref=fbf">5 Surprising Ways Social Media Stars Make Money</a> &mdash; Start by learning from the masters. Being a social media &quot;star&quot; is a thing, and they are making more money than most of us. Here are some of their best tricks.</p> <p><a href="http://www.wisebread.com/7-easy-ways-to-clean-up-your-image-on-social-media?ref=fbf">7 Easy Ways to Clean Up Your Image on Social Media</a> &mdash; Maybe you spent the first few years on Facebook posting keg party photos and trolling celebrities. Yeah, that's not a good look. If you need to do some cleanup, follow these easy steps.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/000071173689.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/10-things-to-stop-doing-on-social-media-by-30?ref=fbf">10 Things to Stop Doing on Social Media by 30</a> &mdash; Those bad social media habits need to be left behind, because tweets and photos don't always disappear, even after you delete them. Employers, family members, and potential romantic partners can see what you're doing, so you might want to act accordingly.</p> <p><a href="http://www.wisebread.com/how-to-improve-your-finances-using-social-media?ref=fbf">How to Improve Your Finances Using Social Media</a> &mdash; Once your social media posts are nice and tidy, use this guide to start bringing in some money on the side. Because once you start gaining a following, it's actually pretty easy!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_73433583_MEDIUM.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/how-to-earn-extra-income-with-twitter?ref=fbf">How to Earn Extra Income With Twitter</a> &mdash; Twitter is a great place to connect with people and brands directly. You can also use your account to make some extra money with sponsored tweets and other branded content.</p> <p><a href="http://www.wisebread.com/jumpstart-your-job-search-with-instagram?ref=fbf">Jumpstart Your Job Search With Instagram</a> &mdash; Social media platforms can also aid you in your job search. Curate your feed and you might hashtag your way into a new gig!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-34-smart-ways-to-improve-your-social-media-presence">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-one-social-media-micro-star-gets-lots-of-free-stuff">How I Scored Tons of Free Stuff By Building a Small Social Media Audience</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money">6 Ways Social Media Can Save You Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-social-media-stars-who-earn-way-more-than-you">5 Social Media Stars Who Earn Way More Than You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-surprising-ways-social-media-stars-make-money">5 Surprising Ways Social Media Stars Make Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-silly-internet-mistakes-you-need-to-stop-making-today">10 Silly Internet Mistakes You Need to Stop Making Today</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Development Technology Facebook fbf flashback friday instagram Internet internet presence LinkedIn snapchat social media social media tips twitter Fri, 14 Apr 2017 08:30:08 +0000 Chrissa Hardy 1927497 at http://www.wisebread.com Pay with a Selfie: How Safe Are the New Ways to Pay? http://www.wisebread.com/bots-chips-and-selfies-how-safe-are-the-new-ways-to-pay <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/bots-chips-and-selfies-how-safe-are-the-new-ways-to-pay" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-512291874.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In 2016, more than half of all <a href="https://consumerist.com/2016/06/08/ups-survey-online-shopping-has-surpassed-in-store-buying-for-the-first-time/" target="_blank">purchases in the U.S.</a> were made online instead of at a brick-and-mortar store. From selfie-payments to Facebook Messenger bots, there is now a long list of unusual ways that you can pay the water bill or complete your grocery run for the week.</p> <p>But how safe are these new ways to pay? Let's take a closer look at how some of these new payment methods work, and what you can do to make them even safer.</p> <h2>1. Facebook Messenger Bots</h2> <p>Colorado-based <em>fintech </em>company BillHero was the first to leverage a Facebook Messenger chat bot to pay bills via chat commands. Later on in September 2016, Facebook enabled all of the 34,000 plus developers on the platform to support payments. The social media giant is working with several players in the credit card industry and fintech, including Visa and Braintree, to process all types of payment options.</p> <p>By opening the gates, Facebook allowed U.S. customers to complete a wide range of other transactions and purchases on Facebook Messenger. In a nutshell: The chat bot lets you know about a product that you might be interested in, and provides a &quot;buy now&quot; button. When you click it, it takes you to a checkout screen with your shipping information and payment method for you to review. Boom! Just like that, you're ready to pay.</p> <h3>But Is It Safe?<strong> </strong></h3> <p>Well, Facebook Messenger payment bots are covered by the same level of security as all other Facebook products. All transactions using a Facebook chat bot are encrypted or processed through a trusted third-party payment processor, such as PayPal or Stripe, to protect your payment information, such as your card number or CVV. Also, transaction confirmations from a bot will restrict your information, such as only showing the last four digits of your credit card number.</p> <h3>How to Make It Safer</h3> <p>Your first line of defense starts with your Facebook password. Facebook recommends building a password that has at least six characters and is a complex combination of numbers, letters, and punctuation marks. When a password isn't strong enough, the app will let you know. Also, make your Facebook password different from those you use for your online banking, investing, or retirement savings accounts. (See also: <a href="http://www.wisebread.com/3-sneaky-ways-identity-thieves-can-access-your-data?ref=seealso" target="_blank">3 Sneaky Ways Identity Thieves Can Access Your Data</a>)</p> <p>A second tactic is to <a href="https://www.facebook.com/help/162968940433354?helpref=faq_content" target="_blank">turn on login alerts</a> so that you receive an automated alert when someone tries logging in to your Facebook account from an unrecognized device or browser. A third is to <a href="https://www.facebook.com/help/610199629080802?helpref=faq_content" target="_blank">require a password or PIN</a> whenever sending money or making payments in Facebook Messenger.</p> <h2>2. MasterCard Selfie Payments</h2> <p>Speaking of passwords, MasterCard believes that they cause too much hassle and presents the option to pay with a selfie. The &quot;selfie pay&quot; technology was first tested in the Netherlands, the U.S., and Canada and will be rolled out gradually across the world throughout 2017.</p> <p>Through a smartphone app, shoppers can confirm a purchase by taking a selfie and letting the facial recognition software verify their identity. According to MasterCard, 71% of users rated &quot;selfie pay&quot; highly during trials.</p> <h3>But Is It Safe?<strong> </strong></h3> <p>To prevent somebody from just holding up a picture of you and getting away with a $1,000 shopping spree, the app requires you to snap the picture after you blink or shake your head. Then, the app compares the selfie with stored algorithms of your face to identify you. During the trials, 73% of users believed that &quot;selfie pay&quot; will reduce fraud and 90% of them would use it in the future.</p> <h3>How to Make It Safer</h3> <p>Since &quot;selfie pay&quot; is still in the process of being rolled out, there's little that we can do as of right now. If taking selfies isn't your cup of tea, MasterCard also plans to provide a fingerprint confirmation option with the app and is currently testing voice and cardiac rhythm recognition.</p> <h2>3. Amazon Dash Buttons</h2> <p>Connected to your home's Wi-Fi, the <a href="http://amzn.to/2iTpixh" target="_blank">Amazon Dash Button</a> allows you to reorder many of your favorite products with a simple click. To set up each Amazon Dash Button, you'll need to download the Amazon app on your Android or Apple device, connect the Dash Button to Bluetooth, and also enter your Wi-Fi information. Some Dash Buttons don't support Bluetooth connection, and use your smartphone's Wi-Fi connection or speakers instead.</p> <p>Currently, the button is only available for Amazon Prime members, costs $4.99, and provides you with a $4.99 credit after your first order. There are hundreds of products to choose from including Charmin, Doritos, Greenies Dog Treats, and Red Bull! Once you click the button, an indicator light will turn green when your order is successfully placed, or red if there was a problem.</p> <h3>But Is It Safe?<strong> </strong></h3> <p>A device that connects seamlessly to your Wi-Fi, smartphone, and Amazon account &mdash; what could go wrong? While there are plenty of folks that have hacked their own button to do anything from <a href="https://medium.com/@ecaron/why-i-stopped-hacking-the-amazon-dash-button-and-learned-to-solder-84386a38bbd1#.wmcfdj5do" target="_blank">turning on lamps remotely</a> to <a href="https://medium.com/@brody_berson/hacking-amazon-s-5-dash-button-to-order-domino-s-pizza-9d19c9d04646#.j6d2iycep" target="_blank">ordering pizza</a> with one click, there are currently no reports of malicious hackers tapping into another person's Amazon Dash Buttons.</p> <h3>How to Make It Safer</h3> <p>Turn on the &quot;order protection&quot; feature on your Dash Button to prevent a new order from being placed until your prior order is delivered. This way you can prevent your spouse or son from tripling an order of detergent on the same day.</p> <p>Consider turning on the email notifications of your Amazon orders so that you can cancel any orders that you don't recognize.</p> <p>And it should go without saying, but set a strong password for your Wi-Fi and update that password at least once a year.</p> <h2>4. Chip Cards</h2> <p>No other new form of payment has generated more discontent from American consumers. From the confusion about swiping or inserting, to the awkward conversation with cashiers while waiting for your card to be processed, there is a list of reasons these metallic chips are considered an annoyance by many.</p> <p>However, the reality is that chip cards are far from being a new way to pay. They have been reducing fraud in over 130 nations around the world for several years. So, the U.S. is just playing catch-up. As of April 2016, Visa had issued <a href="http://www.usatoday.com/story/money/2016/04/19/some-major-merchants-see-dip-counterfeit-fraud-thanks-chip-cards-visa-says/83194722/" target="_blank">roughly 265 million</a> U.S. chip-enabled credit and debit cards, and MasterCard had upgraded about 70% of its U.S. debit and credit cards to the chip format.</p> <h3>But Is It Safe?<strong> </strong></h3> <p>The evidence clearly indicates that chip-enabled cards reduce fraud. Visa has reported that among the U.S. merchants who were suffering the most instances of card fraud at the end of 2014, those that began accepting chip debit and credit cards saw instances of card fraud fall 18.3% as of the fourth quarter of 2015. On the other hand, some of the U.S. merchants who opted not to upgrade payment terminals to process chip cards experienced an increase in instances of card fraud of 11.4% for the same period. (See also: <a href="http://www.wisebread.com/4-ways-chip-credit-cards-make-life-easier?ref=seealso" target="_blank">4 Ways Chip Credit Cards Make Life Easier</a>)</p> <h3>How to Make It Safer</h3> <p>Simple: Opt to use your chip-enabled cards over those without a chip, and choose merchants with chip-enabled payment terminals over those who are still holding out. As with everything else, strength comes in numbers. Only when chip cards have become the norm across the nation can we all reap the enhanced security benefits of chip technology.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/bots-chips-and-selfies-how-safe-are-the-new-ways-to-pay">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-apps-turn-saving-money-into-a-game-are-they-worth-it">These Apps Turn Saving Money Into a Game — Are They Worth It?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/everyones-using-spare-change-apps-are-they-really-worth-it">Everyone&#039;s Using Spare Change Apps — Are They Really Worth It?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-that-monitor-your-credit-for-you">7 Apps That Monitor Your Credit for You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-ssn-can-now-be-accurately-guessed-using-date-and-place-of-birth">Your SSN Can Now Be Accurately Guessed Using Date and Place of Birth</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-apple-watch-apps-thatll-save-you-money">8 Apple Watch Apps That&#039;ll Save You Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Technology Amazon apps bots buying chip cards Facebook fraud payment methods safety selfie Fri, 17 Feb 2017 10:31:16 +0000 Damian Davila 1890386 at http://www.wisebread.com Is This News Story Fake? Here's How to Tell http://www.wisebread.com/is-this-news-story-fake-heres-how-to-tell <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/is-this-news-story-fake-heres-how-to-tell" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_reading_computer_519833420.jpg" alt="Man determining if news is real or fake" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Fake news has become an issue with <a href="http://www.npr.org/sections/thetwo-way/2016/12/05/504404675/man-fires-rifle-inside-d-c-pizzeria-cites-fictitious-conspiracy-theories">real life consequences</a> in recent years. Regardless of your politics, you don't want to be the dummy who shares a conspiracy theory from NewzGuzzlers.info, do you? That's just embarrassing. Here are six ways to determine if your news source is real or fake:</p> <h2>1. Scrutinize the URL</h2> <p>You might wonder if that's just a cosmetic detail &mdash; There are so many desirable URLs that are already taken, so why not trust a website with a strange name? Well, they're not all just weird-sounding. Many are downright misleading.</p> <p>For example, look at WashingtonPost.com.co. Catch that extra &quot;.co&quot; at the end? That's just one way a fake news publisher can piggyback on the credibility of an established outlet. Many people might not see it, and are swayed enough by the clickbait that they overlook it. If the name is similar to a real source, open a new tab and look at the original.</p> <p><strong>Bias Alert!</strong> Just as well, look for biased keywords in the URL. CoolLiberals.net or ConservativeEagle.web are clearly names that suggest a hard lean to one set of ideologies. While it might not be 100% fake news, these sites usually take a kernel of real news from a credible outlet, removing important context and replacing it with baseless opinion.</p> <h2>2. Look up the Author</h2> <p>Before you continue reading an article you're suspicious of, ask this: Who wrote the article, and why? If the piece was written by &quot;staff&quot; or &quot;anonymous,&quot; those are red flags. Many fake news websites use pseudonyms, or the article might show up as written by &quot;staff&quot; because all the articles are going through one administrator on a bare-bones website. If there is an author name near the top of the page, Google them. If you can't find a website, Twitter account, Wikipedia page, or bio of them on the Internet that match the information on the article byline (a brief writer bio hosted by the website in question), they may not be a real person.</p> <p><strong>Bias Alert!</strong> If the article or video is from a real person, look at their writing history across the Internet. Do they all fit a narrative strongly for/against an idea, a person, or group of people? Do they consider themselves a &quot;truther&quot; for something? That's a sign that they care more about pushing an agenda than the facts. Google what reporters and academic experts say about the topic before you decide if they are a reputable source.</p> <h2>3. Check the Quotes</h2> <p>Quotes are key. If an article is being shared as news but does not cite any persons in quotes, that is a big red flag. If the writer has reported on a real news event with no citations, it's really an opinion article and should be taken with a grain of salt. If it's supposedly &quot;exposing&quot; a new event or making an accusation without any citations or quotes, it's definitely fake news. If you want to verify whether a statement from a public official is true or not, <a href="http://www.politifact.com/">always check PolitiFact</a>.</p> <p><strong>Bias Alert!</strong> Having quotes in a story does not make it true. Remember what we learned from <a href="http://mashable.com/2016/12/05/pizzagate-explained/">#PizzaGate</a> and Google any names mentioned in the article to see if they are real public figures. If the source is cited as &quot;anonymous&quot; or someone &quot;close&quot; to the perpetrators in question, be suspicious. That brings us to&hellip;</p> <h2>4. Google the Claim</h2> <p>If you can't believe the headline, or it feels too irresistibly good to be true, it's probably at least somewhat false. Take the keywords of the headline and Google them to see if any major news outlets have written about it. Is it on your local news at 10 p.m.? If the only other outlets making the claim are similarly other off-brand news sites like &quot;NationalTimes&quot; or &quot;Newspeople,&quot; you've got a fake headline. Google it before your friends have to debate you on Facebook. But beware: <a href="http://www.businessinsider.com/autocomplete-feature-influenced-by-fake-news-stories-misleads-users-2016-12/#when-we-typed-michelle-obama-is-into-google-the-second-and-third-suggestions-were-proof-that-she-is-a-man-1" target="_blank">Don't believe Google's autocomplete</a>, as that can actually make it even harder to find the correct news and take you deeper down a rabbit hole of lies.</p> <p><strong>Bias Alert!</strong> Was this tip upsetting because you don't trust the &quot;Mainstream Media&quot; with basic fact-checking? That is actually a bias. If you only read websites that only tell you what you believe, you have set yourself up for misinformation.</p> <h2>5. Read the Comments</h2> <p>After you've tried the above methods, scroll to the bottom for the comments. Do you see a lot of people sharing links to other conspiracies? Do you see people saying &quot;This is fake!&quot; or &quot;This has been debunked?&quot; That's a good sign that you've got fake news. Again, try Googling the claim to be sure.</p> <p><strong>Bias Alert! </strong>Did the headline make you feel strongly in any way? In the comments, do you see posts with strong feelings of anger and calls for action to hurt or target someone or a group of people? That's a sign that, at the very least, the article you're reading was designed to prey on readers' emotions and biases so they may overlook factual errors or missing context.</p> <h2>6. Use These Browser Extensions</h2> <p>Finally, another great way to combat the spread of fake news is to install a browser app that will help alert you that a website you're viewing might be a fake news site. If you use Google Chrome (which I recommend), download the apps <a href="http://lifehacker.com/b-s-detector-lets-you-know-when-youre-reading-a-fake-n-1789084038">B.S Detector</a>, or <a href="http://nymag.com/selectall/2016/11/heres-a-browser-extension-that-will-flag-fake-news-sites.html">Fake News Alert</a>. These will both help you in the moment with pop-up warnings as you land on any fake news or otherwise suspicious websites.</p> <p><strong>Bias Alert!</strong> While having these bots helping you suss out poor websites is very helpful in the short-term, you shouldn't only trust pop-ups. Learn how to tell real from fake on your own. Even when reading a news outlet like The Washington Post or The New York Times, you might run into a piece that is biased, or missing information, or using a source you have reason to suspect is not credible. These fake news-identifying skills are useful throughout your media consuming life.</p> <p>What to do next? Whenever you see a Facebook friend share an onerous fake news link, <a href="https://www.buzzfeed.com/craigsilverman/heres-how-to-report-fake-news-on-facebook" target="_blank">flag it as false news</a> so Facebook can drop it from its feeds. Friends don't let friends share fake news!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/is-this-news-story-fake-heres-how-to-tell">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-not-so-private-parts">The Not-So-Private Parts</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-student-who-created-a-pr-nightmare-via-wikipedia">The Student Who Created a PR Nightmare Via Wikipedia</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-to-stop-doing-on-social-media-by-30">10 Things to Stop Doing on Social Media by 30</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-your-own-soda-tidy-a-room-in-three-minutes-cure-a-hangover-and-become-a-movie-extra-phew">How To Make Your Own Soda, Tidy A Room In Three Minutes, Cure A Hangover And Become A Movie Extra. Phew!</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/regifting-a-simple-how-to-guide">Regifting: A Simple How-To Guide</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Consumer Affairs bias conspiracies Facebook fact checking fake news fear mongering information websites Tue, 13 Dec 2016 10:00:06 +0000 Amanda Meadows 1850790 at http://www.wisebread.com 10 Companies With the Highest Paid Interns http://www.wisebread.com/10-companies-with-the-highest-paid-interns <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-companies-with-the-highest-paid-interns" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/millennials_interns_office_65754805.jpg" alt="Companies with the highest paid interns" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Tell people you're an intern, and most will assume you're either working for free, or barely scraping by. After all, interning is about <a href="http://www.wisebread.com/9-careers-you-dont-need-a-ton-of-experience-to-start">gaining experience</a>, and that in itself is valuable to the future employee. But tech giants and financial powerhouses are willing to pay big bucks to get the most talented interns. Here are 10 companies that offer some of the highest intern salaries in the U.S. today.</p> <h2>1. Facebook</h2> <p>Currently worth over $350 billion dollars (and expected to one day be <a href="http://money.cnn.com/2016/04/28/investing/facebook-trillion-dollar-market-value/">worth $1 trillion</a>), Facebook has the money to pay interns well. Glassdoor reports that a Ph.D. software engineer intern can expect to earn around $9,000/month, with a regular software engineer averaging $8,467/month. If you're curious, that equates to over $100,000 per year&hellip; for an internship!</p> <p>Even on the lower end of the spectrum, an analyst intern can make $3,000&ndash;$4,000/month, which is still way more than minimum wage. When you consider most interns are still living at home with their parents, it's not a bad gig at all.</p> <p><strong>Potential Earnings</strong>: Up to $9,000 per month</p> <h2>2. Amazon</h2> <p>If you have worked hard enough to earn your MBA, Amazon is a good place for you to get your internship. Glassdoor data shows that an Amazon Summer MBA intern earns $9,053 per month, which equates to over $108,000 per year. Just behind, at $8,934/month, is the product manager intern. And if you look at the list of <a href="https://www.glassdoor.com/Intern-Salary/Amazon-com-Internship-Salary-E6036.htm?sort.sortType=BP&amp;sort.ascending=false">internship positions and salaries at Glassdoor</a>, you can see that overall, being an intern at Amazon is very lucrative &mdash; with dozens of positions reporting between $8,000&ndash;$9,000 per month. Considering how massive Amazon is, and how it continues to dominate the way we spend money and consume entertainment, it's clear that the company is investing heavily in talent now to continue this success.</p> <p><strong>Potential Earnings</strong>: $9,053 per month</p> <h2>3. Google</h2> <p>If you're seeing a trend in the high paying tech internships, you're not mistaken. Tech companies are looking for good software engineers, and they're ready to pay big bucks for them. A software engineer intern at Google can expect to earn over $7,000 per month, with some internship positions coming in at $113,000 per year! Of course, you need to be very savvy in the tech industry's most wanted positions; this is not something you can land straight out of college with a sociology degree. But for those with the right skills, the money is there at Google. And it is also <a href="http://saleshq.monster.com/careers/articles/1012-top-perks-working-at-google">famous for treating its employees very, very well</a>.</p> <p><strong>Potential Earnings</strong>: $7,152 per month</p> <h2>4. Citigroup</h2> <p>According to Glassdoor, the top paid interns at Citigroup are earning up to $116,000 per year, which is equates to $9,667/month. If you're wondering what kind of work that entails, these two words should sum it up nicely &mdash; Wall Street. At Citigroup, money is everything, and everything is about making money. Interns who are seeking roles in investment banking, private equity, hedge funds, and asset management, are richly rewarded for their efforts. At the lower end of the spectrum, summer analyst interns can make anything from $17 an hour, all the way up to $25 an hour, which is still nothing to be sniffed at.</p> <p><strong>Potential Earnings</strong>: $9,667 per month</p> <h2>5. Snapchat</h2> <p>It's an app that is dominating the social media world, and the company behind it is making news for its internship programs. As hard to believe as it is, Snapchat not only pays interns up to $10K a month, but it adds an additional $1,500 per month for housing expenses! As that is usually the biggest expense any of us have to pay, the interns at Snapchat have the bulk of that $120,000 annual salary to spend on pretty much whatever they want. If this is making you think about re-evaluating your career choices, you're not alone.</p> <p><strong>Potential Earnings</strong>: $10,000 per month (Plus $1,500/month for housing)</p> <h2>6. Two Sigma</h2> <p>If you haven't heard of Two Sigma, you will soon. And the reason they top the list of intern salaries, by quite a margin if you include the monthly housing reimbursement (and additional $5,000 relocation expenses), is that they are at the intersection of technology and finance. Two Sigma is an investment management firm that uses science and technology to make people some serious money. What's more, <a href="https://careers.twosigma.com/">they're currently hiring for over 80 positions</a> at the their offices in New York, Houston, London, and Tokyo. If you're in the business of software engineering or trading, you may want to hit them up.</p> <p><strong>Potential Earnings</strong>: $10,400 per month (Plus $5,000 per month for housing)</p> <h2>7. Pinterest</h2> <p>Coming in at more than Facebook and Google, Pinterest is offering a combined $11,040 per month ($132,480 a year) to interns who have a talent for, you've guessed it, software engineering. Described as a &quot;catalog of ideas&quot; by CEO Ben Silbermann, Pinterest was started in 2010 and is relatively new to be a giant in the app scene. Certainly, it's not as ubiquitous as Facebook, Google, and Twitter, and yet it is forking over more than all of them to acquire top intern candidates. And as it is located in both New York and California, that $3,000 a month to help with housing is definitely a huge plus.</p> <p><strong>Potential Earnings</strong>: $8,040 per month (Plus $3,000 per month for housing)</p> <h2>8. Palantir</h2> <p>The intern position of forward deployed engineer pays a hefty $8,172 per month at Palantir; and if you know what that position actually does, you're already way ahead of most of us. Another tech firm that values software engineers, Palantir has been rewarding its interns with big salaries for many years now. Founded in 2004, this software firm specializes in big data analysis, and originally had a client list comprising of federal agencies of the U.S. Government. In 2014, Forbes maintained that Palantir was &quot;among Silicon Valley's most valuable private technology companies.&quot; It is headquartered in Palo Alto, CA.</p> <p><strong>Potential Earnings</strong>: $8,172 per month</p> <h2>9. Quora</h2> <p>Not unlike Google, Quora is a search engine that delivers results based on the questions you ask. And as it's a tech firm, you know by now what the highest paid interns there are doing: software engineering. A typical intern in this position at Quora can expect upward of $8,000 per month, but there are also positions in product design, data science, and product management. The company appears to have an excellent culture, too, with great employee feedback and solid growth.</p> <p><strong>Potential Earnings</strong>: $8,086 per month</p> <h2>10. Groupon</h2> <p>Famous for giving people great deals on everything from window tinting to adventure holidays, Groupon is an app most of us have on our phones. After all, who doesn't like saving money? But when it comes to interns, Groupon is ready to splash it around, paying $8,000 per month to software engineers, and upward of $7,000 per month to product managers. On the lower end of the scale, business analyst interns can get around $3,000 per month. Full-time employees of Groupon reportedly get unlimited vacation time, although taking months off at a time would probably not serve you well.</p> <p><strong>Potential Earnings</strong>: $8,000 per month</p> <p><em>Salary data found on </em><a href="https://www.glassdoor.com/index.htm"><em>Glassdoor</em></a><em>.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-companies-with-the-highest-paid-interns">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-one-social-media-micro-star-gets-lots-of-free-stuff">How I Scored Tons of Free Stuff By Building a Small Social Media Audience</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-social-media-stars-who-earn-way-more-than-you">5 Social Media Stars Who Earn Way More Than You</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-34-smart-ways-to-improve-your-social-media-presence">Flashback Friday: 34 Smart Ways to Improve Your Social Media Presence</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/bots-chips-and-selfies-how-safe-are-the-new-ways-to-pay">Pay with a Selfie: How Safe Are the New Ways to Pay?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-tips-for-my-career-clueless-college-self">5 Tips for My Career-Clueless College Self</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Amazon companies Facebook Google interns internships pinterest snapchat startups Wed, 28 Sep 2016 10:00:09 +0000 Paul Michael 1800746 at http://www.wisebread.com 5 Social Media Stars Who Earn Way More Than You http://www.wisebread.com/5-social-media-stars-who-earn-way-more-than-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-social-media-stars-who-earn-way-more-than-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_89861415_MEDIUM.jpg" alt="social media stars that earn more than you" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Did you know that there are thousands of people out there earning incredible amounts of money through social media? That's right, social media stars can make thousands, even millions of dollars per year through sponsored posts, original content, and consistent engagement with their followers. Here are five social media celebs who might make you want to quit your job to go full-time on Instagram!</p> <h2>1. Brandon Stanton</h2> <p>In 2010, Stanton lost his job and decided to start taking photos of random people in New York City. At the time, he had no idea that posting Humans of New York on Facebook would lead him to over 12 million likes and a career in public speaking, photography, and writing. It has also lead him to amazing contributions to local and international charities.</p> <p>Stanton takes beautiful portraits and captions them with touching stories. These photos and stories were so sharable that many of them went viral on Facebook in just a few hours.</p> <p>While Stanton hasn't publicly disclosed his income, he has expressed on a Reddit thread that he was never in it for a payout and he gave over a half a million dollars to charity in a six month period alone.</p> <p>His work on collaborations, occasional magazine spreads, speeches, and media appearances keep him afloat. Stanton added, &quot;I signed two book deals which pay the rent. Also, I live cheaply.&quot;</p> <p>The man is an inspiration to millions and he continues to showcase different people's fascinating life stories through his work. His 50-day trip to 10 countries in the Middle East helped to shed light on the situation in the region. If you haven't seen his work, check out Humans of New York on <a href="https://www.facebook.com/humansofnewyork/">Facebook</a> and <a href="https://www.instagram.com/humansofny/?hl=en">Instagram</a>.</p> <p><strong>Followers</strong>: 17.75M (Facebook), 5.5M (Instagram)</p> <p><strong>Platform</strong>: Facebook &amp; Instagram</p> <p><strong>Earnings</strong>: Undisclosed</p> <h2>2. Sean McBride</h2> <p>This Snapchat master earns his money through drawing and photo mash-ups on the popular video-based social media platform. He taught himself how to draw by learning from other artists' work and today he can make tens of thousands of dollars from a single advertising deal on his Snapchat account.</p> <p>According to Forbes, McBride can earn several thousand dollars per image! Who is paying Sean all of this money for Snapchat images? Brands like Taco Bell, Disney, and numerous television networks have been his sponsors, and many of his deals have been for over $30,000. Not bad for an online artist!</p> <p>McBride goes by the name of &quot;Shonduras&quot; on Snapchat, he is the platform's first big celebrity, and he's one of the first people to make real money from Snapchat art. If you love Snapchat, you might want to follow Sean to get some ideas on how to become a successful Snapchat artist.</p> <p><strong>Followers</strong>: Undisclosed</p> <p><strong>Platform</strong>: Snapchat</p> <p><strong>Earnings</strong>: $100K+ per week</p> <h2>3. Brittany Furlan</h2> <p>Brittany has made her fortune through <a href="https://vine.co/brittanyfurlan">her wildly entertaining short Vine videos</a>. Her quirky and fun clips have earned her 9.8 million followers and a lucrative career in acting and social media.</p> <p>The vines have led her to create a new sketch show with Seth Green. In December of 2015, Brittany told The New Yorker that for every million followers she gets, <a href="http://www.newyorker.com/magazine/2014/12/15/hollywood-vine">she can add another $5,000 to the price tag for a branded Vine</a>.</p> <p>Using this calculation, it's not unlikely that Furlan is earning around $49,000 for a six-second vine posted to her 9.8 million followers. That's equal to nearly a half a million dollars per hour!</p> <p><strong>Followers</strong>: 9.8 million</p> <p><strong>Platform</strong>: Vine</p> <p><strong>Earnings</strong>: $49K per video</p> <h2>4. PewDiePie</h2> <p>The granddaddy of all Internet earners, it is estimated that <a href="https://www.youtube.com/user/PewDiePie">PewDiePie's gaming channel</a> generated over $12 million in 2015, according to Forbes. The amazing thing is that Felix Arvid Ulf Kjellberg is earning his income by playing video games and publishing them on YouTube.</p> <p>The next time your parents tell you that gaming is a waste of time, you may want to lead them to Felix's YouTube channel and tell them that you're trying to make a career out of it.</p> <p><strong>Subscribers</strong>: 45.5M</p> <p><strong>Platform</strong>: YouTube</p> <p><strong>Earnings</strong>: $12M per year</p> <h2>5. Rhett &amp; Link</h2> <p>These two southern boys have a hilarious and extremely <a href="https://www.youtube.com/user/RhettandLink">entertaining YouTube Channel</a> featuring &quot;Good Mythical Morning,&quot; a sort of off-the-wall morning show for people who want to have a good laugh with their coffee.</p> <p>According to Forbes, the duo earned over $4.5 million from YouTube sponsorships and ads in 2015 working with numerous brands including Wendy's, Gillette, and Toyota. These guys are my personal favorite on this list and I find myself tuning into <a href="https://www.youtube.com/playlist?list=PLJ49NV73ttrs52WlwbXLctNtOMxlbZ3VO">Good Mythical Morning</a> whenever it appears in my feed.</p> <p><strong>Subscribers</strong>: 4.1M</p> <p><strong>Platform</strong>: YouTube</p> <p><strong>Earnings</strong>: $4.5M per year</p> <h2>Can Anyone Do It?</h2> <p>Of course, just like any superstar career, it is possible for pretty much anyone to make money from social media, but the fact is that it's highly unlikely to be as successful as these stars. These people are just like the actors who walk the red carpet in Hollywood, in that they've made it where few people have ever gone before. They've struck gold and that's not easy to replicate.</p> <p>While it may not be easy to earn a full-time income from social media, it's an exciting prospect, and if you're passionate about it, hopefully you'll be inspired by these people who are really making a living at it.</p> <p><em>Have you ever made any money from social media? Share your experience in the comments below!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/5-social-media-stars-who-earn-way-more-than-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-surprising-ways-social-media-stars-make-money">5 Surprising Ways Social Media Stars Make Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-one-social-media-micro-star-gets-lots-of-free-stuff">How I Scored Tons of Free Stuff By Building a Small Social Media Audience</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-34-smart-ways-to-improve-your-social-media-presence">Flashback Friday: 34 Smart Ways to Improve Your Social Media Presence</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money">6 Ways Social Media Can Save You Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/earn-extra-income-with-your-smartphone-camera">Earn Extra Income With Your Smartphone Camera</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Extra Income Facebook instagram money side gig snapchat social media social media stars twitter YouTube Mon, 05 Sep 2016 10:30:15 +0000 Nick Wharton 1784423 at http://www.wisebread.com 10 Stocks Every Recent Grad Should Own http://www.wisebread.com/10-stocks-every-recent-grad-should-own <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-stocks-every-recent-grad-should-own" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/new_grad_happy_20845110.jpg" alt="Woman buying stocks every recent grad should own" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you're just fresh out of college, you may be broke and not yet in a position to invest. But if you find a little extra cash, or are fortunate enough to be gifted some stock as a graduation gift, there are a number of great options that have a great track record of solid performance.</p> <p>These are stocks that have rarely let investors down over the course of decades, and they often pay great dividends, too.</p> <p>If there's a list of stocks that recent grads should consider owning, these 10 should be included.</p> <h2>Microsoft [<a href="http://www.nasdaq.com/symbol/msft">Nasdaq: MSFT</a>]</h2> <p>Bill Gates' old company made headlines recently when it bought the professional networking site LinkedIn. It's now a massively diverse tech firm with PCs, tablets and phones, software, and a popular video game system.</p> <h2>Coca-Cola [<a href="http://www.google.com/finance?cid=6550">NYSE: KO</a>]</h2> <p>Yes, we know that America is supposed to be moving away from sugary drinks. But this company has managed to sell a ton of Coke while diversifying its product line to include everything from Dasani water, to Powerade and Honest Tea. Coca-Cola shares have been in positive territory for eight straight years, and with a market cap of nearly $200 billion, it's likely a long-term winner.</p> <h2>Apple [<a href="http://www.nasdaq.com/symbol/aapl">Nasdaq: AAPL</a>]</h2> <p>Shares of this technology company have dipped about 20% in the last year, but that's all the more reason to consider buying now. This is still one of the largest, most influential and inventive companies out there. Chances are, if you are a recent college grad, you use Apple products. So go with what you know, and reap the financial rewards. (Disclosure: I own some shares of Apple.)</p> <h2>Facebook [<a href="http://www.nasdaq.com/symbol/fb">Nasdaq: FB</a>]</h2> <p>Okay, full disclosure: I bought some shares of Facebook stock a while back, and I have no complaints. Shares are up more than 40% in the last year, as the company continues to bust through earnings predictions. Facebook has 1.65 billion active users, and the company could vault to new heights with recent investments into virtual reality. <a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money" target="_blank">Social media</a> may be a fad, but Facebook will be here to stay.</p> <h2>Procter and Gamble [<a href="http://finance.yahoo.com/q?s=PG">NYSE: PG</a>]</h2> <p>Do you wash your clothes and your dishes? Do you brush your teeth? Do you use paper towels? P&amp;G sells products that people all over the world use every day. This is one of those stocks you can practically &quot;set and forget&quot; and see a very solid return nearly every year. A dividend yield of more than 3% doesn't hurt, either.</p> <h2>AT&amp;T [<a href="http://finance.yahoo.com/q?s=T">NYSE: T</a>]</h2> <p>Admittedly, this is not the most exciting stock in the universe. But it's reliable, with a good dividend and not much volatility. AT&amp;T recently hit a 52-week high amid reports that it's bidding for some of Yahoo's assets. But any share growth is a bonus for this company that's now dishing out a 4.8% dividend yield. (Disclosure: I own shares of AT&amp;T, gifted to me in the 1990s!)</p> <h2>Johnson &amp; Johnson [<a href="http://finance.yahoo.com/q?s=JNJ">NYSE: JNJ</a>]</h2> <p>Like P&amp;G, Johnson &amp; Johnson is a dividend aristocrat, meaning that it has paid out and increased its dividend every year for 25 straight years. This is a big company that's neck deep in the growing health care sector, and it sells a lot of products, including shampoo, soap, and hand lotion, that people use all the time. JNJ shares are up 18% this year, and has had just 13 down years since 1975. A 2.7% dividend yield is also a selling point.</p> <h2>Wal-Mart [<a href="http://finance.yahoo.com/q?s=WMT">NYSE: WMT</a>]</h2> <p>When you have revenue approaching half a trillion dollars (yes, trillion with a &quot;t&quot;), you are a company worth investing in. Wal-Mart does well when the economy is doing well and folks are spending money. Wal-Mart does well in slow economic times, when shoppers are looking for low prices. There is some concern about the long-term future of brick-and-mortar retail, but Wal-Mart right now has more than four times the revenue of Amazon.</p> <h2>Sysco Foods [<a href="http://finance.yahoo.com/q?s=SYY">NYSE: SYY</a>]</h2> <p>If you've ever eaten at a restaurant, you've probably gotten food from Sysco. This is another dividend aristocrat that has seen shares rise 19% in 2016, while boasting a healthy dividend yield of 2.5%. It's been one of the most reliable stocks for decades, and people aren't going to stop eating at restaurants anytime soon.</p> <h2>Amazon [<a href="http://www.nasdaq.com/symbol/amzn">Nasdaq: AMZN</a>]</h2> <p>The world's top online retailer can be frustrating, because founder and owner Jeff Bezos has always focused more on growing his company than worrying about profitability. Some shareholders got frustrated with Amazon and left last year, but now shares are up over $700, nearing an all-time high. In addition to massive online sales revenue, Amazon has made a killing from its web services subsidiary, which pulled in $604 million in profits last year. One of these days, all of Amazon's reinvestment will likely pay off with massive profits that will send shares to even bigger heights.</p> <p><em>Have you ever been gifted (or given) shares? What stocks were they?</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-stocks-every-recent-grad-should-own&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Stocks%2520Every%2520Recent%2520Grad%2520Should%2520Own.jpg&amp;description=10%20Stocks%20Every%20Recent%20Grad%20Should%20Own"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20Stocks%20Every%20Recent%20Grad%20Should%20Own.jpg" alt="10 Stocks Every Recent Grad Should Own" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/10-stocks-every-recent-grad-should-own">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-stocks-your-kids-would-love-to-own">5 Stocks Your Kids Would Love to Own</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-ways-to-invest-50-500-or-5000">The Best Ways to Invest $50, $500, or $5000</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-expensive-stocks-that-are-totally-worth-it">7 Expensive Stocks That Are Totally Worth It</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-your-retirement-by-avoiding-these-10-risky-investments">Save Your Retirement by Avoiding These 10 Risky Investments</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-sure-you-dont-run-out-of-money-in-retirement">How to Make Sure You Don&#039;t Run Out of Money in Retirement</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Investment Amazon apple Coke Facebook gifts graduation market Microsoft profits stocks Fri, 24 Jun 2016 09:30:19 +0000 Tim Lemke 1736531 at http://www.wisebread.com 6 Ways Social Media Can Save You Money http://www.wisebread.com/6-ways-social-media-can-save-you-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-social-media-can-save-you-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_work_from_home_000092732035.jpg" alt="Woman finding ways social media saves her money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>While using popular social media platforms is a fun way to stay connected with family and friends, perhaps the most useful benefit is tapping into a new way to save money. Whether it be through negotiating a lower monthly bill, scoring a coupon, or finding the best local deals, with just a little bit of effort you can <a href="http://www.wisebread.com/5-surprising-ways-social-media-stars-make-money" target="_blank">use social media</a> to save hundreds of dollars every year. Here are some easy to implement tips to get you started in the right direction.</p> <h2>1. Learn to Negotiate a Lower Bill Via Twitter</h2> <p>Most large companies these days have employees who do nothing but monitor their social media feeds and respond directly to customer inquiries and complaints. Because of this, when it comes to negotiating a lower monthly bill, Twitter has become an excellent way to start the conversation. For example, I was recently able to do this with the folks at Verizon by accident when I responded to a friend's Tweet discussing cheaper cell phone services. Within minutes of my Twitter response, I had a Verizon representative send me a message via Twitter asking if they could help lower my bill. With their proactive help, I was able to lower my bill by $10 a month.</p> <p>This experience led me to investigate other companies that respond quickly via Twitter, and sure enough I found many that did &mdash; namely Dish Network, DirecTV, AT&amp;T, and Sprint. Simply send a direct Tweet to the company, or respond to someone else talking about the company, and drop the hint that you're seriously considering leaving the company for a cheaper alternative. In many cases, you'll quickly get a response with actionable ways to lower your bill. Could be a phone number to call, or even better, the company representative will personally help you lower your bill.</p> <h2>2. Use Facebook Messenger to Ask for a Coupon</h2> <p>Facebook Messenger has also become a great tool to score a deal or coupon. Simply visit the retailer's Facebook page, click on the &quot;Message&quot; button, and send them a polite message asking if they have a coupon code for free shipping or perhaps 15% or 20% off your purchase. Most big-name retailers have staffers standing by to respond to your message, often within minutes. The best part is they are armed with exclusive coupons and are ready to hand them out. After all, they know you're very close to completing your purchase and will often throw you a bone to do just that. So when you can't find a coupon in the more traditional ways, be sure to use Facebook Messenger to avoid paying full price.</p> <p>Also, if the retailer does not have a current coupon to hand out, I've had some let me know via Messenger when a new coupon was going to be released. I'd then wait and make my purchase with the money saving coupon in-hand.</p> <h2>3. Instagram Descriptions Often Have Coupons</h2> <p>Using Instagram to save money with coupons is not something that immediately comes to mind for most shoppers. But the fact of the matter is many retailers and restaurants are starting to use their Instagram profile pages to drop new coupons and deals. For example, I just recently used a coupon on the Dunkin' Donuts profile page to get a free cup of coffee with my doughnut purchase. The key to making this work is to follow your favorite shops and restaurants and get in the habit of checking their Instagram page before you complete your purchase.</p> <h2>4. Search Pinterest Boards for Deals</h2> <p>When it comes to saving money, Pinterest is a great tool but requires a different approach. Because Pinterest is a very static platform, searching for deals/coupons with hashtags is going to leave you frustrated with the lack of results. Instead, you'll want to search &quot;boards&quot; for deals and coupons to particular retailers that users have pinned. Boards are essentially a collection of saved pins and are often kept up-to-date by users. To make this happen, you'll type in your search in the search box, hit the filters button to include boards in your search, then hit enter. By doing it this way, you'll typically get the newest pins which includes a majority of coupons and deals that have yet to expire.</p> <h2>5. Become a Hashtag Superhero</h2> <p>By becoming proficient at using the underrated Twitter hashtag (#), you can quickly find where the best deals are located for specific items. For example, let's say you're in the market for a new mountain bike. A fantastic way to search the entire Internet for a great deal is go on Twitter and search #MountainBike #Deal (or #Sale), or #MountainBike #Coupon. Often Twitter users will combine hashtags when searching, like #MountainBikeCoupon and get frustrated with the results. But if you make it a habit of breaking-up the hashtags, you'll end up with a large list of discounts and coupons that you can use to quickly find the best deals.</p> <p>Also, a great way to localize your search, especially for larger items that are expensive to ship, is to add your hometown to your search query. So sticking with the mountain bike example, do a Twitter search like this: #Sacramento #MountainBike #Sale. You'll end up with search results that can easily lead you to the best current deals and sales in your area.</p> <h2>6. Use Live Chat the Right Way</h2> <p>Most online shoppers are familiar with the live chat feature that many websites operate. Have a question about the product, or want to know more about sizing? The live chat operator typically has the answers. But have you ever started a live chat session for the sole purpose of saving money? If not, you should try it as it often works. I like to start the chat sessions with a question about the product as I don't want it to seem like a gratuitous discount hunter.</p> <p>Once I chat them up a little bit, I'll politely ask if they have a coupon code I can use on my order. Maybe shipping is a little costly, or perhaps a competitor has a slightly cheaper price &mdash; both solid reasons to ask for a coupon. In many cases, the operator has a few coupon codes they can hand out at their discretion. So the bottom line is to be polite, have a real conversation, and you stand a great chance of getting a coupon code you can use to save money.</p> <p><em>How do you use social media to save money?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-one-social-media-micro-star-gets-lots-of-free-stuff">How I Scored Tons of Free Stuff By Building a Small Social Media Audience</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-score-a-last-minute-coupon">6 Ways to Score a Last-Minute Coupon</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-best-couponing-apps">The 10 Best Couponing Apps</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-34-smart-ways-to-improve-your-social-media-presence">Flashback Friday: 34 Smart Ways to Improve Your Social Media Presence</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-smart-ways-to-save-money-this-year-without-clipping-a-coupon">6 Smart Ways to Save Money This Year (Without Clipping a Coupon)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology coupons customer service deals discounts Facebook hashtags instagram social media twitter Tue, 17 May 2016 09:00:10 +0000 Kyle James 1708162 at http://www.wisebread.com 6 Ways to Score a Last-Minute Coupon http://www.wisebread.com/6-ways-to-score-a-last-minute-coupon <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-score-a-last-minute-coupon" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shop_owner_000048396518.jpg" alt="Woman finding ways to score a last-minute coupon" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As any frugal shopper can attest, there's nothing worse than paying full-price when all your attempts to find a coupon come up empty. Fortunately, with a little outside-the-box thinking, there is almost always a way to score an online or in-store coupon and save significant money in the process. Here are six such ways that'll keep you from paying full-price on darn near anything. (See also:&nbsp;<a href="http://www.wisebread.com/4-coupon-rules-that-stores-let-you-break?ref=seealso">4 Coupon Rules That Stores Let You Break</a>)</p> <h2>1. Use Live Chat and Ask</h2> <p>If you're shopping online and all of your attempts to find a coupon code for a particular retailer fail, try starting a live chat session and ask for one. Most large retail websites these days employ live chat operators that are standing by to help you with your purchase or answer any questions you might have. They also often have a list of coupon codes at their disposal that they can hand out at their discretion.</p> <p>Politely start a conversation, chat them up a little bit, then ask if they might have a coupon code for 20% off or perhaps free shipping. Make this a healthy frugal habit and you can save significant money over the course of a year. Retailers where this really works includes Lands' End, Home Depot, Old Navy, Office Depot, Shutterfly, and LL Bean.</p> <h2>2. Use a Competitor's Coupon</h2> <p>If you're shopping at Michaels and you can't find a printable in-store coupon, just look for a JoAnn, AC Moore, or Hobby Lobby coupon instead as they'll happily accept competitor coupons. Other popular stores that will accept competitor coupons include Home Depot, Lowe's, Menards, JoAnn, Office Depot, Sports Authority, Dick's Sporting Goods, and Walmart.</p> <p>When shopping in-store, the best way to gain quick access to these coupons is to arm your smartphone with a free coupon app from RetailMeNot or CouponSherpa. Then simply do a quick search for competitor coupons and save some easy money.</p> <h2>3. Abandon Your Virtual Cart</h2> <p>This tip is by far the most passive aggressive way to score an online coupon when you seem destined to pay full-price. It also takes a little patience, so it might not work if you need the item tomorrow. Many online retailers will try to entice you back by sending you a coupon via email if you leave, or abandon, items in your virtual shopping cart.</p> <p>For this to work you need to have an account with the retailer so they have your email address in their system. Then simply add the item(s) you want to buy to your online cart, then logout and wait for your coupon. If you're going to get a coupon to come back and finish your purchase, you'll typically get it within 24 hours. Retailers that have been known to send out coupons this way include Bed Bath &amp; Beyond, JCPenney, Best Buy, Williams-Sonoma, Office Max, and Land of Nod.</p> <h2>4. The Stores That Hand Them Out</h2> <p>Are you aware that some store employees are armed with coupons that they'll happily scan for you when checking out at the register? For example, if you forget to bring in your &quot;20% off any 1 item&quot; coupon at Bed Bath &amp; Beyond, just politely explain the situation to the checkout employee, and more often than not, they'll pull one out from behind the counter and scan it for you.</p> <p>A good way to judge whether the store you're shopping at might have a coupon ready to hand out is the frequency of their coupon offerings. If they always seem to have a coupon except for the day you happen to be shopping, there's a great chance an employee can get you one if you ask. Besides Bed Bath &amp; Beyond, stores where you should definitely ask include Kohl's, Harbor Freight, Macy's, and Michaels.</p> <h2>5. Hit Up Facebook for a Coupon</h2> <p>Another great way to find a coupon for a specific retailer is to hit up their Facebook page. All you have to do is send them a message politely asking for a coupon for some extra savings. Most large retailers have employees monitoring their Facebook presence and responding quickly to message requests. By quickly, I mean often within 30 minutes. You can either search Facebook directly to find the stores page or look for the Facebook icon on the retailer's homepage and click directly on it.</p> <h2>6. Tweet for a Coupon</h2> <p>Twitter is another excellent way to communicate directly with a retailer in an attempt to score a coupon. This is due to the fact that most Twitter feeds are constantly being monitored and a quick response is almost guaranteed. From the specific retailer's Twitter page, click on &quot;Message&quot; and type your coupon request. Be sure your request is polite and conversational and not demanding in tone.</p> <p>Your chances of success rise substantially if you've had a previous bad customer service experience with the retailer. Briefly explain what happened in your Twitter message and often times the retailer will give you a coupon to make up for your bad experience.</p> <p><em>How do you avoid paying full-price when a discount seems completely unavailable?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/6-ways-to-score-a-last-minute-coupon">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money">6 Ways Social Media Can Save You Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-coupon-rules-that-stores-let-you-break">4 Coupon Rules That Stores Let You Break</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/sams-club-or-costco-which-warehouse-club-is-right-for-you">Sam&#039;s Club or Costco: Which Warehouse Club Is Right for You?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-one-social-media-micro-star-gets-lots-of-free-stuff">How I Scored Tons of Free Stuff By Building a Small Social Media Audience</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-best-couponing-apps">The 10 Best Couponing Apps</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping coupons customer service discounts expired Facebook live chat twitter Wed, 13 Apr 2016 09:30:30 +0000 Kyle James 1687437 at http://www.wisebread.com 5 Surprising Ways Social Media Stars Make Money http://www.wisebread.com/5-surprising-ways-social-media-stars-make-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-surprising-ways-social-media-stars-make-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000033755744_Large.jpg" alt="a social media star making money " title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>From a <a href="http://www.syracuse.com/news/index.ssf/2014/05/vine_celebrities_money_ads_curtis_lepore_videos_jessi_smiles.html">singer making $8,000</a> through product placement in a six-second Vine clip, to a creator of YouTube makeup tutorials making about millions per year, the stories of social media stars making outrageous sums of money seem to be getting more and more common.</p> <p>While the size of these paydays are remarkable, the things that social media stars do to earn those sums may be even more extraordinary. Here are five surprising ways social media stars make money.</p> <h2>1. Unboxing Toys</h2> <p>The genre of &quot;unboxing videos&quot; (a package being opened, while its contents are described) is one of the highest grossing niches on YouTube. Including <a href="https://youtu.be/HxuBuDS15Yw">blenders</a>, <a href="https://youtu.be/qSMu_zeDmtk">coffee machines</a>, <a href="https://youtu.be/eL7kF18s1p4">markers and pens</a>, and <a href="https://youtu.be/Cx4RsfqH1s8">smartphones</a> &mdash; if it comes in a box, you can bet there's somebody out there willing to watch it getting unboxed.</p> <p>Unboxing videos can be so profitable to YouTube publishers that <a href="http://finance.yahoo.com/news/youtube-s-highest-paid-star-is-a-woman-who-unboxes-disney-toys-062606350.html">2014's highest paid YouTube star</a> was a woman who unboxes Disney toys. According to one estimate, the <a href="https://www.youtube.com/user/DisneyCollectorBR">DisneyCollectorBR</a> YouTube user made $4.9 million in 2014 just from YouTube ads! The identity of the mysterious woman with the soothing voice and cool nail art hasn't been revealed yet, but that matters little to her over 6.2 million subscribers. For example, her unboxing video of &quot;egg surprises&quot; branded by Angry Birds, SpongeBob, and Cars has over 106.8 million views to date.</p> <h2>2. Playing Video Games</h2> <p>Another high-grossing YouTube genre is the narration of video game playing. The king of this genre is Felix Kjellberg, a Swede in his late 20s better known as <a href="https://www.youtube.com/user/PewDiePie">PewDiePie</a>. With his trademark laughter, unique sense of humor, and constant string of curses (warning: videos contain <em>lots </em>of language that is NSFW), <a href="http://www.independent.co.uk/news/people/forbes-names-pewdiepie-as-highest-earning-youtuber-with-annual-income-reaching-12m-a6695536.html">Kjellberg pulled in a cool $12 million</a> pretax over a 12-month period.</p> <p>Other well-known vloggers posting video game-related clips include <a href="https://www.youtube.com/user/CaptainSparklez">CaptainSparklez</a> (over 9 million subscribers), <a href="https://www.youtube.com/user/Tobuscus">Tobuscus</a> (over 6.3 million subscribers), and <a href="https://www.youtube.com/user/SkyDoesMinecraft">SkyDoesMineCraft</a> (over 11.7 million subscribers). While advertisers are still trying to figure out the appeal of expletive-heavy commentary of Kjelberg playing video games, they are willing to pay him to get access to his over 41 million subscribers.</p> <h2>3. Managing a Pet Superstar</h2> <p>Not all social media stars walk on two legs.</p> <ul> <li>Maru, a shiba inu dog living in Japan, has <a href="http://www.instagram.com/marutaro/">over 2.3 million followers</a> on Instagram.</li> <li>Grumpy Cat, a cat with a perma-frown, has <a href="https://www.facebook.com/TheOfficialGrumpyCat">over 8.3 million followers</a> on Facebook and <a href="http://www.instagram.com/realgrumpycat/">over 1.3 million followers</a> on Instagram.</li> <li>Boo, a five-year old Pomeranian dog, has <a href="https://www.facebook.com/Boo/">over 17 million followers</a> on Facebook.</li> <li>Lil Bub, a rescue cat with a unique condition, has <a href="https://www.facebook.com/iamlilbub">over 2.6 million followers</a> on Facebook and <a href="https://www.instagram.com/iamlilbub/">over 1.2 million followers</a> on Instagram.</li> </ul> <p>The lucky owners of these and other pets have been able to monetize their pet's large following in many ways. For example, Lil Bub charges admission for her appearances ($100 for her Meet and Greet Fundraiser at the Museum of the Moving Image in New York), and Grumpy Cat hawks plush toys ranging from <a href="http://www.grumpycats.com/grumpy-cat-merchandise/grumpy-cat-plush-toys/">$15.75 to $46.92</a> through her Amazon store.</p> <h2>4. Making Fun of Dad</h2> <p>In the late 2000s, comedian <a href="https://twitter.com/justin_halpern">Justin Halpern</a> was struggling to make ends meet with his writing job. Having to move back to his parents' house, he had a lot of free time on his hands and started a <a href="https://twitter.com/shitmydadsays">Twitter account</a> to keep track of his dad's &quot;rhetorical gems.&quot; Halpern had a hunch that those tweets could become inspiration for a great script.</p> <p>He was absolutely right.</p> <p>After getting noticed by high profile comedians, including Rob Corddry, his Twitter account gained a lot of traction (<a href="http://content.time.com/time/arts/article/0,8599,1990838,00.html">1.8 million</a> followers in 15 months). Based on his tweets, Halpern penned the <em>New York Times</em> bestseller, <a href="http://www.amazon.com/gp/product/0061992704/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0061992704&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=5YILQPG6JRTTZ2OD">Sh*t My Dad Says</a>, and landed a TV deal with CBS to develop the show <em>$#*! My Dad Says</em> (based on his book). Halpern went on to write a second book and to write scripts for a couple more TV shows. All of this started with a single tweet!</p> <h2>5. Quitting Social Media</h2> <p>In a world of over-sharing, the shocking thing to do is to stop sharing.</p> <p>At age 19, Essena O'Neill had a lucrative modeling career leveraging her large following on Instagram, YouTube, and other social media channels. Through her hundreds of thousands of followers, 750,000 on <a href="https://www.instagram.com/essenaoneill/">Instagram</a> and 200,000 on YouTube, she was making money in many ways, including <a href="http://fusion.net/story/226082/model-essena-oneill-quits-social-media/">$2,000 in YouTube's ad revenue</a> per month and payments for product placement.</p> <p>In November 2, 2015, she quit all social media through her video &quot;<a href="https://youtu.be/Xe1Qyks8QEM">Why I REALLY am quitting social media - The Truth</a>,&quot; warning others about the destructive nature of trying to gain approval online. O'Neill's original video (now deleted) quickly amassed hundreds of thousands of views and gained attention worldwide within just a few days. Some fellow YouTubers even <a href="https://youtu.be/WB3HtCMfZic">criticized her move</a> as a marketing ploy to gain even more attention. Despite her disappearance from social media, she <a href="http://time.com/4167856/essena-oneill-breaks-silence-on-quitting-social-media/">continues to make headlines</a> and announces her soon to-be-released satirical book, <em>How to Be Social Media Famous</em>.</p> <p><em>What are some other unusual ways that social media stars make money?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/5-surprising-ways-social-media-stars-make-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-social-media-stars-who-earn-way-more-than-you">5 Social Media Stars Who Earn Way More Than You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money">6 Ways Social Media Can Save You Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-one-social-media-micro-star-gets-lots-of-free-stuff">How I Scored Tons of Free Stuff By Building a Small Social Media Audience</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-34-smart-ways-to-improve-your-social-media-presence">Flashback Friday: 34 Smart Ways to Improve Your Social Media Presence</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/jumpstart-your-job-search-with-instagram">Jumpstart Your Job Search With Instagram</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Entertainment Facebook income instagram social media social media stars twitter YouTube Mon, 22 Feb 2016 10:00:05 +0000 Damian Davila 1659839 at http://www.wisebread.com 10 Things to Stop Doing on Social Media by 30 http://www.wisebread.com/10-things-to-stop-doing-on-social-media-by-30 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-things-to-stop-doing-on-social-media-by-30" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000071173689.jpg" alt="Man learning things he needs to stop doing on social media by 30" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Let's face it. Facebook, Twitter, Instagram, LinkedIn, Google+, and Pinterest can all be very addicting. It can be fun and rewarding to post photos, articles, and updates that make us happy. However, there are certain things you should <a href="http://www.wisebread.com/10-social-blunders-to-stop-making-by-30">stop doing on your social media accounts</a> by the time you start entering the world of real adulthood.</p> <h2>1. Complaining About Your Job</h2> <p>Nowadays, employers frequently visit employees' and potential employees' social media accounts before making hiring decisions. That's why it's so important to always represent yourself well on your social media accounts. Remember, it's not just your friends looking anymore; your neighbors, coworkers, boss, and even your mother-in-law can see everything you are doing on your Facebook account.</p> <h2>2. Displaying Your Beer Pong Skills</h2> <p>Advertising your drunken nights and beer pong tournaments on Facebook may have been cool when you were in college, but nowadays, nobody's impressed by how much you can drink or how quickly you can recover from a hangover. Refrain from posting things that make you look young and foolish.</p> <h2>3. Posting Revealing Photos</h2> <p>The old saying, &quot;If you've got it, flaunt it&quot; shouldn't be the case when it comes to your social media profiles. Sure, it's great to have photos that show off what you're working with, but your co-workers and family don't want to see them. Keep your profile semi-professional and friendly, without being too revealing in your photos or updates.</p> <h2>4. Stalking Your Ex</h2> <p>It may have been okay in high school, but when your ex is married with children, it's time to stop stalking. If you can't resist the urge, you may want to unfriend them altogether.</p> <h2>5. Using a Fake Name</h2> <p>You're officially a grown adult, so it's time to start using your real name, especially on more serious social media accounts like LinkedIn. It's great that you have a band or blog, but potential employers and friends want to find you, not your hobby.</p> <h2>6. Sending Game Invitations</h2> <p>Nobody wants to join your Candy Crush game, so stop sending the invites. If you've sent Farmville invites more than once, they don't want to join and you're going to end up annoying your adult acquaintances with childish games. Often the game invites get sent automatically, so you may want to disconnect your gaming accounts from Facebook altogether before you end up unintentionally annoying your friends.</p> <h2>7. Caring so Much</h2> <p>You shouldn't let what other people post affect your mood or attitude. If they're bothering you, simply unfriend or block them. You have more important things to worry about in your adult life than someone harassing you or affecting your behavior. If you receive negative feedback, try to respond in a calm, mature manner and then let it go.</p> <h2>8. Checking Your Status at Work</h2> <p>Work is for work time and play is for play time. If you are still checking your social media pages at work instead of getting work done, you're just asking for trouble. Employers can access nearly anything nowadays and if given the reason, they may be able to track how often you're using social media while you're on the clock. Signing into social media will also distract you from work and cut into your productivity, so keep it to your home life.</p> <h2>9. Overusing Hashtags</h2> <p>Nobody, at any age, likes reading repeated hashtags. Hashtags should be strategically used for networking purposes only. Otherwise, they just look spammy and will hurt the reader's eyes. In fact, on certain platforms (like Pinterest), you can actually get dinged for having too many hashtags. This will have the reverse effect of what you're looking for because instead of attracting readers, the social media sites will block your post so even fewer people will see it, thanks to the overused hashtags.</p> <h2>10. Overusing in General</h2> <p>At the end of the day, you should just try using social media less altogether. Now is the time in your life to start making real connections, outside of your mobile device. Try to start limiting yourself to a certain amount of time per day.</p> <p><em>Do you have other suggestions on things that we should stop doing on social media by 30? Please share your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/10-things-to-stop-doing-on-social-media-by-30">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-social-blunders-to-stop-making-by-30">10 Social Blunders to Stop Making by 30</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-ways-to-use-social-media-in-business">13 Ways to Use Social Media in Business</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-34-smart-ways-to-improve-your-social-media-presence">Flashback Friday: 34 Smart Ways to Improve Your Social Media Presence</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/social-media-and-identity-theft-in-2010">Social Media and Identity Theft in 2010</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-easy-ways-to-clean-up-your-image-on-social-media">7 Easy Ways to Clean Up Your Image on Social Media</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks 30 somethings Facebook inappropriate behavior LinkedIn millennials professional social media Thu, 08 Oct 2015 17:00:51 +0000 Andrea Cannon 1579971 at http://www.wisebread.com 7 Facebook Updates That Are Making You Look Stupid http://www.wisebread.com/7-facebook-updates-that-are-making-you-look-stupid <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-facebook-updates-that-are-making-you-look-stupid" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/young-man-smartphone-177381725-small.jpg" alt="young man smartphone" title="young man smartphone" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>While 73% of online adults use several forms of social media, <a href="http://www.pewinternet.org/2013/12/30/social-media-update-2013/">Facebook remains their first choice</a>.</p> <p>And that's what we love about Facebook. When we put up an update, somebody is going to read it. However, not of all your updates are as smart as you think. Actually, some of them might be making you look inconsiderate or, even worse, dumb. (See also: <a href="http://www.wisebread.com/5-ways-to-break-your-social-media-habit?ref=seealso">5 Ways to Break Your Social Media Habit</a>)</p> <p>Here are the top seven types of Facebook updates to avoid.</p> <h2>1. Accusing Somebody Before Checking the Facts</h2> <p>One of the best things about Facebook is the ability to interact with people around the world in real time. However, this ability should increase your awareness of what you're about to post.</p> <p>For example, when Facebook rolled out a feature that allowed its users to donate money to fight ebola, an user was quick to call out this as a <a href="http://www.adweek.com/news/technology/zuckerberg-has-perfect-comeback-troll-accusing-facebook-exploiting-ebola-161271">marketing ploy from Facebook</a>. The user even asked how much Facebook was donating to the cause. Facebook CEO Mark Zuckerberg personally replied to this comment pointing out that his wife and he had themselves <a href="http://www.huffingtonpost.com/2014/10/14/zuckerberg-ebola_n_5982762.html">donated $25 million to fight ebola</a>.</p> <p>Before you post, make sure to check out your facts. After all, they're often just a Google search away. If you are too lazy to do it, you deserve to be called out.</p> <h2>2. Including Spelling and Grammar Errors</h2> <p>Nobody is perfect. A minor typo in a long essay or memo is understandable. However, short Facebook updates, such as &quot;Grandma, your amazing!&quot; and &quot;And that's why I told their wants fewer waters&quot; make spelling and grammar errors stand out. (See also: <a href="http://www.wisebread.com/12-grammar-mistakes-that-are-making-you-look-stupid?ref=seealso">12 Grammar Mistakes That Are Making You Look Stupid</a>)</p> <p>Here are some steps to prevent those mistakes:</p> <ul> <li>Most desktop and mobile browsers (e.g. <a href="https://support.mozilla.org/en-US/kb/how-do-i-use-firefox-spell-checker">Firefox</a>) offer a spell checker, so use that feature to proofread your posts.<br /> &nbsp;</li> <li>The bulk of grammar errors result from homonyms, which are words that share the same pronunciation, regardless of their spelling. Some examples are your/you're, to/two/too/ and they/their/they're. Review this list of <a href="http://grammar.about.com/od/words/a/HomonymChart.htm">200 homonyms</a> and keep an eye out for them.<br /> &nbsp;</li> <li>Remember that you can edit the text of updates after they go live.<br /> &nbsp;</li> <li>Thank people that point out your grammar and spelling errors. A simple &quot;thank you&quot; is the only right answer; anything else only highlights your mistake even more.</li> </ul> <h2>3. WRITING EVERYTHING IN CAPS</h2> <p><a href="http://uxmovement.com/content/all-caps-hard-for-users-to-read/">Using all caps in your Facebook updates</a> makes them harder to read. When you write in all caps, your text is <a href="http://www.bergsland.org/2012/06/typography/how-your-readers-see-your-letters-legibility/">40% less legible</a> than text using the right mix of uppercase and lowercase. You should reserve the use of all caps for very few instances, such as abbreviations and acronyms. Otherwise, you will come off as the crazy person in the park that shouts out random comments to strangers. That's a terrible look!</p> <p>Try this test. Read out loud each of the sentences below:</p> <ul> <li>&quot;What are you doing?&quot;</li> <li>&quot;WHAT ARE YOU DOING?&quot;</li> </ul> <p>While the first sentence sounds friendly, the second one sounds scary and intimidating. How would you rather be perceived?</p> <h2>4. Getting Your Priorities Wrong</h2> <p>Imagine this scenario. You just poured battery fluid all over your hand and are experiencing a terrible allergic reaction. You are desperately searching for antihistamine cream, but can't find any.</p> <p>What would you do?</p> <p style="margin-left: 40px;">a) Call a friend or relative for help</p> <p style="margin-left: 40px;">b) Head to your neighbor's place to check if they have any antihistamine cream</p> <p style="margin-left: 40px;">c) Drive or walk to the nearest pharmacy</p> <p style="margin-left: 40px;">d) Dial 911</p> <p style="margin-left: 40px;">e) Post about it on Facebook</p> <p><a href="http://emgn.com/entertainment/16-people-who-got-owned-on-facebook/3/">Don't be the person that goes for option e</a>.</p> <h2>5. Being Passive Aggressive</h2> <p>I agree with American Idol's host, Ryan Seacrest, in that the passive aggressive Facebook updates make you look like a brat.</p> <p>Here is an <a href="http://www.ryanseacrest.com/2011/07/05/the-5-most-annoying-types-of-facebook-status-updates/">example from Ryan</a>:</p> <p>&quot;I'll never be able to forgive you for what you did. I hope you realize that what goes around, comes around&hellip; you'll see soon enough.&quot;</p> <p>While people understand that you may have an ongoing argument with somebody, they may not understand why you're involving all of your 500 Facebook friends in it. Stop chastising that somebody with random and vague Facebook posts (also known as &quot;vaguebooking&quot;). Instead address your issue with that somebody in private and, more importantly, move on.</p> <p>Your Facebook friends will thank you for keeping their feeds free of drama.</p> <h2>6. Sharing Too Much Information</h2> <p>If you feed looks like this&hellip;</p> <ul> <li>&quot;Today, I'm heading with Bobby to the new Thai restaurant, Spices.&quot;</li> <li>&quot;Only one hour until Bobby and I head to Spices!&quot;</li> <li>&quot;Allright! Lunch time! Spices, here we come!&quot;</li> <li>&quot;Just got to Spices, OMG, everything is so good.&quot;</li> <li>&quot;Selfie with the waiter.&quot;</li> <li>&quot;Bobby got the panang curry!&quot;</li> <li>&quot;Nom, nom, nom, this is SO GOOD!&quot;</li> </ul> <p>&hellip;then you're annoying the crap out of your Facebook friends. A recent survey puts &quot;people sharing too much information about themselves&quot; at the top of the <a href="http://www.pewresearch.org/fact-tank/2014/02/03/6-new-facts-about-facebook/">list of what Facebook users strongly dislike</a>.</p> <p>There are plenty of studies that recommend that the posting frequency sweet spot is <a href="https://blog.bufferapp.com/social-media-frequency-guide">between 5 and 10 posts per week</a>. Keep your feed smart by posting around once per day &mdash; and maybe twice.</p> <h2>7. Sharing About Others Without Their Permission</h2> <p>&quot;Posting things about your or pictures of you without asking permission&quot; ties at number one on that same survey about Facebook user dislikes. It makes sense for two reasons:</p> <ul> <li>First, <a href="https://www.facebook.com/notes/social-jobs-partnership/recruiting-survey-social-media-helps-connect-job-seekers-with-employers/404484379619706">half of American employers are using Facebook in their hiring process</a>. You don't want to be the reason why a potential employer didn't hire your best friend.<br /> &nbsp;</li> <li>Second, some people just like their privacy. If you want to share updates and pictures of others, make sure that those others are ok with it in the first place. This is a major issue for parents: <a href="http://www.today.com/parents/dont-post-my-kids-photo-facebook-parents-plead-2D12092742">68% of parents don't allow others to post photos of their child on Facebook</a>.</li> </ul> <p>Don't assume that people (and their children!) want to be on your Facebook wall. Check for their permission and respect their desire for privacy if they decline your request. Be smart and stay out of trouble.</p> <p><em>What is your pet peeve of Facebook updates? Please share in comments &mdash; or on our Facebook page!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/7-facebook-updates-that-are-making-you-look-stupid">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-34-smart-ways-to-improve-your-social-media-presence">Flashback Friday: 34 Smart Ways to Improve Your Social Media Presence</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-twitter-updates-that-are-making-you-look-dumb">6 Twitter Updates That Are Making You Look Dumb</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/social-media-and-identity-theft-in-2010">Social Media and Identity Theft in 2010</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-keep-your-job-search-a-secret">How to Keep Your Job Search a Secret</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-well-do-you-know-your-facebook-friends-precautions-for-travelers">How Well Do You Know Your Facebook Friends? Precautions for Travelers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Development etiquette Facebook posting privacy social media Mon, 17 Nov 2014 12:00:10 +0000 Damian Davila 1254699 at http://www.wisebread.com How to Sell Your Old Stuff on Facebook http://www.wisebread.com/how-to-sell-your-old-stuff-on-facebook <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-sell-your-old-stuff-on-facebook" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/4357227835_0d31c600b6_z.jpg" alt="facebook" title="facebook" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>We all have things we don&rsquo;t need or want. The traditional avenues of selling your stuff &mdash; such as Craigslist or eBay &mdash; seem to be overly competitive, or worse, a little unsafe. I&rsquo;ve recently taken to Facebook to get rid of unwanted items and even pick up a few things that would have been cumbersome to buy through those other online channels. Here is how you can use the popular social networking tool to earn cash and clear your home of unwanted clutter! (See also: <a href="http://www.wisebread.com/clear-out-that-clutter-15-places-to-sell-your-stuff">15 Places to&nbsp;Sell Your Stuff</a>)</p> <h2>Find a Group</h2> <p>Most Facebook selling and buying groups are local, or at least limited to a state. This is because people within a certain geographical proximity feel more comfortable dealing with folks that are near them, and the more geographically targeted a group is, the more likely it is that you may actually know the person you are dealing with.</p> <p>To find a group, use the Facebook search field to enter your geographic local and &ldquo;buy&rdquo; or &ldquo;sell.&rdquo; If you live in a very populated area, you may also want to narrow your search by the type of item you are looking to sell (used baby items or farming tools, for example.)</p> <p>Note: There are several third-party apps run through Facebook that have a similar buy/sell listing feature. These are more like classified ads and are not considered Facebook groups. As a result, they are not subject to the rules and terms of Facebook, and I don&rsquo;t recommend them as an alternative to buying or selling.</p> <h2>Join the Group</h2> <p>Many groups aren&rsquo;t open to everyone, meaning you&rsquo;ll have to ask permission to join. Some of the most guarded groups &mdash; those that deal in high-end goods, like jewelry, vehicles, or firearms &mdash; may even require that you are friends with someone in the group and be invited personally.</p> <h2>Read the Rules</h2> <p>All Facebook groups should have a set of rules displayed in the &ldquo;Notes&rdquo; tab of the group, viewable once you&rsquo;ve been accepted. The rules will include details on how to post items for sale, how to deal with potential buyers, and what to do when your item has been sold.</p> <p>Other rules will include:</p> <ul> <li>The number of items per day you can list</li> <li>The number of photos that can accompany each listing</li> <li>Types of items that can be sold</li> <li>How to contact a buyer to coordinate the sale</li> </ul> <h2>List Your First Item</h2> <p>Decide what item you&rsquo;d like to sell first, and use it as a test to make sure you understand the rules.</p> <p>If done correctly, your listing will remain up and you should get comments from those interested in buying. Be sure that you are prompt about answering questions or arranging the details of the sale. If you don&rsquo;t feel comfortable selling to a particular person, for whatever reason, don&rsquo;t feel compelled to sell to them.</p> <h2>Follow Through</h2> <p>Once there is a verbal agreement to buy or sell, make sure you stick with it.</p> <p>Unlike eBay, there is no accountability system, and it is possible for deals to go wrong. Pick a public place to make the exchange, deal with cash or money order, and set expectations of what you expect as a seller. Use the <a href="http://www.wisebread.com/how-safe-is-craigslist">same safety rules</a> you would with a Craigslist deal, but understand that you can mitigate quite a few safety issues by taking time to get to know the person on Facebook (friending them first, for example), or by dealing only with those you know, or who are acquaintances of those you know. (Facebook makes it easy to see who knows who; use that feature to qualify buying candidates of large or expensive items.)</p> <p>We have purchased several items in our local community, and even statewide, that we couldn&rsquo;t have gotten without the unique buying/selling forum Facebook can provide. We have done repeat business with people that we have had good deals with (100% in our case).</p> <p>In a time when everyone&rsquo;s trying to <a href="http://www.wisebread.com/9-ways-to-earn-extra-cash-when-money-is-tight">make a little cash</a>, selling through Facebook is a trend that will grow and become even more popular. Jumping on the trend while it&rsquo;s new can ensure that you clear you closet, raise some cash, and build your reputation and your skills before everyone else catches on.</p> <p><em>Have you made a sale or purchase through Facebook? What was your experience like?</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-sell-your-old-stuff-on-facebook&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Sell%2520Your%2520Old%2520Stuff%2520on%2520Facebook.jpg&amp;description=How%20to%20Sell%20Your%20Old%20Stuff%20on%20Facebook"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Sell%20Your%20Old%20Stuff%20on%20Facebook.jpg" alt="How to Sell Your Old Stuff on Facebook" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/how-to-sell-your-old-stuff-on-facebook">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-you-need-to-start-flipping-items-for-cash-online">What You Need to Start Flipping Items for Cash Online</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-i-make-800-on-month-on-ebay-selling-used-clothes">How I Make $800 on Month on eBay Selling Used Clothes</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/clear-out-that-clutter-15-places-to-sell-your-stuff">Clear Out That Clutter: 15 Places to Sell Your Stuff</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-social-media-stars-who-earn-way-more-than-you">5 Social Media Stars Who Earn Way More Than You</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-easiest-items-to-flip-for-cash">10 Easiest Items to &quot;Flip&quot; for Cash</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income craigs list eBay Facebook sell your stuff Wed, 06 Feb 2013 10:48:34 +0000 Linsey Knerl 967507 at http://www.wisebread.com 6 Ways to Vet an IPO Before You Buy http://www.wisebread.com/6-ways-to-vet-an-ipo-before-you-buy <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-vet-an-ipo-before-you-buy" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2974906840_c667250442_z.jpg" alt="guys using laptops" title="guys using laptops" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>In the aftermath of the <a href="http://www.wisebread.com/10-ways-to-make-facebook-productive">Facebook</a> initial public offering (IPO), the web has experienced a deluge of answers to the question &ldquo;What went wrong?&rdquo; What happens when one of the most hyped tech IPOs in recent history doesn&rsquo;t rise to meet investor expectations?</p> <p>For months I&rsquo;ve been advising family and friends against buying Facebook. The reasons were fairly simple. I felt the entire IPO was a matter of style over substance, with little data to back up long-term revenue growth and earnings potential. It was also entirely possible the value of Facebook had peaked, and the IPO was a way for Facebook executives to reap the rewards of the company&rsquo;s riches before an earnings decline. I felt Morgan Stanley, the firm underwriting the IPO, didn&rsquo;t understand how Facebook worked and certainly didn&rsquo;t understand the company. (In fact, rumor has it that over a year ago Morgan Stanley executives had to hire Zuckerberg to give a private tutoring session on how to navigate Facebook.) Hundreds of analysts more experienced and smarter than I am had a different perspective. Advice from media outlets came in droves, promising us the &quot;biggest IPO ever.&quot; Amidst all the frenzy, it became hard to distinguish the public image of Facebook from the public offering being presented.</p> <p>Perhaps the sagest advice came from PIMCO&rsquo;s CEO and co-CIO <a href="http://www.huffingtonpost.com/mohamed-a-elerian/facebook-stock_b_1533505.html">Mohamed A. El-Erian on the Huffington Post</a>, who remarked, &ldquo;&hellip;the manner that our brains have evolved and work may not always result in the best investment decisions.&rdquo;</p> <p>Instead of asking &ldquo;What went wrong?&rdquo; a better question for investors to ask might be &ldquo;How can we prevent this from happening again?&rdquo; Here are five ways to vet an IPO before you buy. (See also: <a href="http://www.wisebread.com/5-killer-free-investment-tools">5 Killer Free Investment Tools</a>)</p> <h3>1. Check the&nbsp;SEC S-1 Form</h3> <p>All companies are required to file what is called a Form S-1 with the Securities and Exchange Commission (SEC) before an IPO goes into effect. Facebook&rsquo;s can be found <a href="http://sec.gov/Archives/edgar/data/1326801/000119312512034517/d287954ds1.htm" target="_blank">on the SEC.gov website</a>.</p> <p>The S-1 will contain the meat of the information on a company. It&rsquo;s not exactly light reading, but it will have important data that&rsquo;s well worth a look. Not only does an S-1 contain information on the offering price of the company and estimated par value of the stock, but facts and figures on a company&rsquo;s business plan, long-term growth objectives, and estimated budget. There&rsquo;s a wealth of information to be had on an S-1 form, and it should be considered a &ldquo;must read&rdquo; before any responsible investor even considers purchasing an IPO.</p> <h3>2. Read the Corporate Earnings Report</h3> <p>Companies typically have a portion of their website for &quot;Investor Relations.&quot; Browse carefully, and you should be able to find detailed financial information, often called Quarterly Reports or Annual Reports. Financial statements can provide detailed information on current cash flow and revenue, but more importantly for IPOs, projected cash flow and revenue. Facebook's Investor Relations area can be found on their <a href="http://investor.fb.com/">investor subsite</a>.</p> <h3>3. Consider the Underwriter</h3> <p>The firm underwriting the IPO serves several purposes. It prepares a valuation report of the company to be offered and helps to correctly determine the share price. This is usually a big investment firm. In Facebook's case, Morgan Stanley was the underwriter.</p> <p>When considering an IPO, scan the S-1 for mention of the underwriter and ask yourself a few questions. Is it a reputable firm? Do they have a history of accurately pricing IPOs? Do they stand to profit from the success or failure of an IPO?</p> <h3>4. Get Second Opinions</h3> <p>It's human nature to want to be told we're right. But when it comes to investments, try to get a second opinion and listen to people who disagree with you, just to consider an opposing scenario. Listening to other points of view might spark new questions you hadn't thought about, or might confirm your previous opinion. Either way, gather information from a variety of sources to use as informational tools in decision making.</p> <h3>5. Do a Risk-Benefit Analysis (for Yourself)</h3> <p>Ultimately, buying an initial public offering is always risky. Even the most seemingly stable companies can experience an unexpected setback or glitch that lowers their value after investors have bought into an IPO. A risk-benefit analysis involves weighing the risks and benefits of an investment and determining what is right for your individual situation. Remember that there's no market history on share prices for the company you're about to buy into, no way to glean historical data. The fact is that while most people focus on the &quot;get rich quick&quot; aspects of an IPO, it's just as likely that they will lose money. Be realistic about how much money you are willing to invest, and risk, on an IPO purchase. Will you experience buyer's remorse? Can you stand to <a href="http://www.wisebread.com/the-worst-investments-you-can-make">lose part of your investment</a>? In other words, don't bet the farm. It's common sense, but you'd be surprised at how many people forget about risk when they think a big payoff might be in the near future.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/erin-c-oneil">Erin C. O&#039;Neil</a> of <a href="http://www.wisebread.com/6-ways-to-vet-an-ipo-before-you-buy">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-stocks-every-recent-grad-should-own">10 Stocks Every Recent Grad Should Own</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/etfs-offer-incredible-benefitswith-a-dark-side">ETFs Offer Incredible Benefits...with a Dark Side</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-killer-free-investment-tools">5 Killer Free Investment Tools</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-build-wealth-in-a-depressed-economy">How to Build Wealth in a Depressed Economy</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/boost-your-retirement-savings-avoid-401k-fees">Boost Your Retirement Savings: Avoid 401(k) Fees</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Financial News Investment Facebook initial public offering investment research Mon, 28 May 2012 10:36:09 +0000 Erin C. O'Neil 930828 at http://www.wisebread.com 10 Ways to Make Facebook Productive http://www.wisebread.com/10-ways-to-make-facebook-productive <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-ways-to-make-facebook-productive" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/facebook2.jpg" alt="Woman in front of a projection of her Facebook page" title="Woman in front of a projection of her Facebook page" class="imagecache imagecache-250w" width="250" height="159" /></a> </div> </div> </div> <p>I used to work at a bank and was resentful of the fact that Facebook was blocked at work. I had to resort to checking status updates during lunch on my phone, or waiting until I got home in the evenings (horror!). Having since left my job and returned to law school, I wish I couldn't access Facebook during the day. The ever-present temptation of senseless entertainment has forced me to resort to mind games, like turning off Internet access during lectures. After thinking a lot about the matter, though, I decided not to let Facebook get the best of me; I&rsquo;ll make it work for me instead! So, to that end, I have come up with a list of ways to make Facebook a useful social media tool rather than an endless time-waster. Here are my top ten. (See also: <a href="http://www.wisebread.com/secrets-to-finding-and-winning-facebook-promotional-giveaways">Secrets to Finding and Winning Facebook&nbsp;Promotional Giveaways</a>)</p> <h2>1. Stay in Touch With Family</h2> <p>My siblings and I recently scattered from our hometown in the Midwest to various extremities of the nation &mdash; one moved to L.A., one to D.C., one to Philadelphia (and all within a two-month time frame, no less). I don&rsquo;t miss them as much as I thought I would, though, because I can keep up with their lives through Facebook. True, this is one of the main uses for Facebook in the first place, but keeping up with family is different from mindlessly scrolling through my news feed to learn what Adam from high school ate for lunch. You can even <a href="https://www.facebook.com/groups">create a group</a> specifically for your family (extended or otherwise) to share information and updates more freely without worrying about others&rsquo; privacy settings. In a secret or closed group, posts are only visible to group members, and members must be approved by others. Group members can chat, upload photos to shared albums, collaborate on shared documents, and invite all members to group events easily.</p> <h2>2. Keep Your Organization&rsquo;s Members Up-to-Date</h2> <p>Similar to creating a group to keep in touch with family, <a href="https://www.facebook.com/pages/create.php">creating a Facebook page</a> allows organizations, businesses, celebrities, and bands to keep up-to-date with people. Unlike groups, however, only &ldquo;official representatives&rdquo; of the organization can create Facebook page. Also unlike groups, page information is public. Others only need to &ldquo;like&rdquo; an organization&rsquo;s page to have that organization&rsquo;s updates appear in their News Feeds. Not in charge of a multi-billion dollar corporation? Not a problem. Facebook pages are also useful for promoting your <a href="http://www.etsy.com/sell?ref=so_sell">Etsy shop</a>, <a href="http://pages.ebay.com/storefronts/start.html">eBay store</a>, or your freelance design business.</p> <h2>3. Find a Job</h2> <p>One of the more recent trends in job searching is finding a new position using social media. If you&rsquo;re on the hunt for a new job (or you just want to keep informed on what&rsquo;s out there), jump on the bandwagon by using Facebook for this purpose. There aren&rsquo;t a lot of good job-search applications on Facebook; nor do companies generally post positions on their Facebook company pages. Instead of looking for open positions, you should use Facebook to connect with people at organizations or in industries in which you&rsquo;re interested. Once you have a clear idea of your interests, put up a few, targeted status updates asking friends for help contacting someone in the field for more information. Be extremely careful about using this tactic, though &mdash; no updates along the lines of &ldquo;Help! I need a new job and have no idea where to start!&rdquo;</p> <p>If you&rsquo;re wary of status updates, you can search for a company on Facebook. If that organization has a page, and you have any friends who have indicated on their profiles that they work for the company, this will appear on the company&rsquo;s Facebook page. Along those same lines, you can use a company&rsquo;s Facebook page to learn more about their values, programs they have, and where they do post job openings.</p> <h2>4. Plan an Event</h2> <p>Quickly and easily create an event by clicking on &ldquo;Events&rdquo; on the left-hand side of your Facebook page in the newsfeed view. There you can manage invites (choose whether the event is public or private, as well as whether guests can invite other friends), keep track of RSVPs, and add essential information for guests. Using the Events App on Facebook is superior to managing RSVPs with, say, an old-fashioned Excel spreadsheet for obvious reasons. It&rsquo;s also superior to e-vite websites, though, because you don&rsquo;t need to know guests&rsquo; e-mail addresses, you can add guests or update information quickly and easily, and you don&rsquo;t have to sign on to a third-party site just to manage your event (you&rsquo;re on Facebook everyday anyway, right?).</p> <h2>5. Market an Event</h2> <p>This is a variation on the use above; however, it goes beyond just using the Events App. If you have a significant event to market &mdash; say, a nonprofit&rsquo;s annual fundraiser &mdash; you can market it in several different ways on Facebook. <a href="https://www.facebook.com/events/create">Create a public event</a> that is searchable and allows guests to invite others to extend your reach. You can also consider creating a separate Facebook page for your organization if it doesn&rsquo;t have one already, and link to that page in your invite to the event. Also, get in your friends&rsquo; direct line of sight by posting a status update informing them of the event and asking them to share with people they think might be interested.</p> <h2>6. Use Facebook E-mail</h2> <p>You already have an e-mail account or two. Why would you possibly want yet another? Facebook e-mail integrates your e-mail with your messages, chats, and texts. That way, you only need to look in one place to see all types of Facebook messages. You can even have other e-mails (Hotmail, Gmail, and Yahoo, for example) sent to your Facebook account. Don&rsquo;t know where your Facebook e-mail is? Go to Messages (it should be on the left-hand side of your news feed) and choose &ldquo;Claim your Facebook email.&rdquo; One caveat &mdash; messages sent from your Facebook e-mail to external addresses look like a Facebook message, complete with name and profile picture. For that reason, I would hesitate to use Facebook e-mail for work-related communication.</p> <h2>7. Use the Apps to Your Advantage</h2> <p>Facebook users install apps over <a href="https://www.facebook.com/press/info.php?statistics">20 million times</a> every day on average. If you&rsquo;re going to jump on the bandwagon, pick those that will help you be more productive. Start off with <a href="http://docs.com/">Facebook Docs</a> to seamlessly integrate document sharing with Facebook friends. Launched in April 2010, Docs is still in beta mode. However, it may have a leg up on Google Docs because Word, Excel, PowerPoint, and PDF files can be shared with one click with an entire Facebook Group. Another way to integrate Facebook with your other communication needs is through <a href="https://www.facebook.com/mobile/messenger">Facebook Messenger</a>. This app allows you to send Facebook messages to your friends&rsquo; mobile phones, or to receive messages from friends on your own phone. Don&rsquo;t like the idea of Facebook syncing your cell phone contacts to your Facebook account? Learn how to <a href="http://technolog.msnbc.msn.com/_news/2011/08/10/7333958-dont-freak-out-facebook-didnt-publish-your-mobile-contacts">change that privacy setting</a>. Lastly, find more productivity apps specific to your needs by searching the <a href="https://www.facebook.com/?sk=apps">comprehensive apps list</a>.</p> <h2>8. Publicize Your Blog</h2> <p>In addition to creating a Facebook page for your blog, you can also publicize your blog by using <a href="http://wordpress.org/extend/plugins/add-link-to-facebook/">WordPress&rsquo; Facebook Plugin</a>, which automatically publishes blog posts to your Facebook account. This allows your post to pop up in friends&rsquo; News Feed. If they &ldquo;like&rdquo; your post or comment, it will show up below your post on your site. In addition, Facebook friends will have a &ldquo;send&rdquo; icon to easily e-mail your post to others. <a href="https://accounts.google.com/ServiceLogin?service=blogger&amp;passive=1209600&amp;continue=http://www.blogger.com/home&amp;followup=http://www.blogger.com/home&amp;ltmpl=start#s01">Blogger</a>, <a href="http://www.typepad.com/">TypePad</a>, <a href="https://www.tumblr.com/">Tumblr</a>, and essentially all the other free blogging sites out there have similar widgets. Alternatively, you can import your blog into Facebook using <a href="http://www.insidefacebook.com/2009/02/22/how-to-import-your-blog-into-facebook/">Notes</a>. And, of course, you can always share individual posts by pasting the link as a status update.</p> <h2>9. Sell Stuff</h2> <p>Like <a href="http://www.amazon.com/gp/seller-account/mm-summary-page.html">Amazon</a>, <a href="http://pages.ebay.com/help/sell/sell-getstarted.html">eBay</a>, and <a href="http://www.craigslist.com">Craigslist</a>, <a href="https://www.facebook.com/apps/application.php?id=128581025231">Facebook Marketplace</a> is another way to unload unwanted items. Listing items on Marketplace, like Craigslist, is free. The big draw of Marketplace is that people have the option of publicizing their posts in friends&rsquo; News Feeds, although items are searchable by others as well. Visitors to the Marketplace can ask questions on the &ldquo;wall&rdquo; of the item posted, or can comment (if, for example, they have a similar item and have a positive review). Another reason to use Marketplace &mdash; it&rsquo;s another forum to sell your stuff. Listing items (or searching for items you want) in a variety of places is sure to get your needs met more quickly, or more accurately, than would searching in one place alone.</p> <h2>10. Support Causes You Believe In</h2> <p>Facebook has a heart. That&rsquo;s right; its power can be used for evil <em>and </em>for good. Have a charity you strongly believe in? &ldquo;Like&rdquo; its Facebook page to learn more about how you can help and to stay up-to-date on its initiatives. If there&rsquo;s a cause you support that doesn&rsquo;t have a page (a small, local cause, for example), create your own Facebook page for that cause and share its mission to a broader audience. In addition to promoting a cause, you can also help financially with Facebook Marketplace. Using the <a href="https://www.facebook.com/blog.php?post=57525537130">Sell for a Cause</a> feature of Marketplace, you can sell unwanted items and donate the proceeds to participating nonprofits (there are over a million to choose from). Facebook claims over 800 million active users of its site, meaning that if every active user donated $1 of profit to <a href="http://www.wisebread.com/giving-to-charity-is-great-but-how-do-you-pick-one">charity</a>, over $800 million would be raised. Not too shabby.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/janey-osterlind">Janey Osterlind</a> of <a href="http://www.wisebread.com/10-ways-to-make-facebook-productive">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/social-media-and-identity-theft-in-2010">Social Media and Identity Theft in 2010</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money">6 Ways Social Media Can Save You Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-well-do-you-know-your-facebook-friends-precautions-for-travelers">How Well Do You Know Your Facebook Friends? Precautions for Travelers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-one-social-media-micro-star-gets-lots-of-free-stuff">How I Scored Tons of Free Stuff By Building a Small Social Media Audience</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/social-media-an-easy-source-of-coupons">Social Media: An Easy Source of Coupons</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Productivity Technology Facebook get things done social media Wed, 09 Nov 2011 09:48:57 +0000 Janey Osterlind 776185 at http://www.wisebread.com