Executive MBA Programs

There are tax deductions out there for just about everyone imaginable. Unfortunately, many of them go underreported because few people are even aware of their existence, leaving a multitude of extremely valuable write offs going completely overlooked every year. The following tax deductions and credits remain some of the most commonly forgotten on return forms, but also some of the most lucrative as well. Take advantage of these whenever possible to ensure the most thorough and financially gratifying tax return possible.

1.  Fees for tax preparation and financial planning

The simple act of needing help to figure out taxes is actually a tax deduction in and of itself. Buying specialized software and books to get taxes in order qualify just as much as accounting services. Likewise, seeking any sort of financial planning advice may be counted as a deduction as well. However, this only counts for services charging a fee as opposed to a commission. Both of these count as itemized tax deductions and are subject to some restrictions. According to H&R Block, these are only allowed for the total cost and unreimbursed job-related costs that add up to more than 2% of an adjusted gross income.

Some tax preparation services would include the aforementioned H&R Block, Jackson-Hewitt, Liberty Tax Service, and personal CPAs. Financial planning services such as ING and Prudential count as well, provided taxpayers opt for a fee-based service instead of paying on commission. The regular Your Income Tax books by J.K. Lasser come out every year with updated information on tax laws, deductions, and procedures and come highly recommended by multiple sources. Numerous free tax preparation programs are available online, but those who pay for software such as Quicken may write off the expense. Individuals must find the reliable method of tax preparation that works best for their needs, however, so research is always highly recommended prior to making a real commitment.

2.  Safety equipment for work

Most taxpayers know of some of the basic work-related tax deductions, especially the ones related to individuals running their own small or home-based businesses. However, those who work for a company that do not provide certain allowances or expect employees to spring for some of their own expenses are able to write off what they paid for. This only counts if the equipment is not to be used outside of work, though, so anyone taking advantage of boots, goggles, helmets, and other safety equipment in personal or civilian life is disqualified from the deduction.

Military personnel may find this deduction of particular interest, as there are instances where they must pay out of pocket for certain safety gear they cannot use while off-duty. The same goes with some particular uniform expenses as well. As per H&R Block’s statements, these expenses do not have to be compulsory within a company’s guidelines. So long as they are necessities to working a job safely and effectively, never reimbursed, and never used outside of a work setting, they may be written off. A few other non-reimbursed job expenses not directly related to safety may be written off as well. Be sure to consult a tax specialist or written guide for a full listing of all possible work-related deductions.

3.  Exchange students, adoption, and foster care

Families or individuals hosting an exchange student may take off up to $50 for every month they stay. However, there are movements about that ask Congress to consider expanding the sum. Foster care and adoption expenses may also be written off for even more than that, though certain factors must be met. Adoption credits reduce some tax liabilities for up to $11, 650 no matter the circumstances. However, adoptive parents with a modified adjusted gross income between $174, 730.00 and $214, 730.00 may not reap the full benefit of either the adoption credit or the deduction. Those sporting a modified adjusted gross income above $214, 730.00 do not qualify.

Several factors have a direct effect on whether or not an individual or family may write off adoption expenses. Eligible children must be either under the age of 18 or physically and/or mentally incapable of self-care. Any special needs adoptees must be a citizen or resident of the United States at the time of adoption, the state government must have determined it too much of a risk for them to ever return to their birth parents, and the state government must also be involved in their adoption. This is also determined by a number of other elements, including ethnicity, age, minority status, family structure, medical conditions, and handicaps. Always make sure to review the somewhat complex ins and outs of exchange student, adoption, and foster care tax deductions prior to adding them to a form. Even if an individual or family never writes off any of the expenses incurred during adoption or foster care, doing either of these things are wonderful opportunities to give a child a loving home and wonderful opportunities not otherwise available in oppressive circumstances. Hosting an exchange student is a way to promote cultural exchange in the world and grants both host and guest with amazing learning experiences.

4.  Interest on savings bonds

Savings bonds used for college tuition or plopped into a Covedell or 529 college savings plan will not be taxed on interest. However, qualified individuals must fall below a certain modified adjusted gross income range to reap this benefit. Series EE and Series I United States Savings Bonds do not have to be listed as interest until spent, disposed of, or matured. H&R Block recommends reporting them yearly, however, should an individual expect to graduate into a higher tax bracket when it comes time to cash in their bonds. Savings bonds issued after 1989 do not count as income if the taxpayer meets certain requirements and spent money on certain qualified higher education expenditures. If purchased at a discount, the original issue discount might have to be reported as interest should the individual meet certain requirements. Parents do not qualify for a deduction on any bonds issued under their child’s or children’s name(s). Be sure to consult with a professional or other trusted resource to see what standards are and are not met when it comes to writing off savings bond interest.

5. Local and state income tax

Especially handy for individuals or families who purchased expensive necessities such as a house or a boat, 43 states allow for a deduction for state and local income taxes. Alaska, Florida, Nevada, South Dakota, Texas, Washington, and Wyoming residents do not pay income tax. Some states, such as Florida, allow citizens to figure out a standard formula if they cannot figure out their exact expenditures for the year. Others, like New Hampshire and Tennessee, have very specific laws regarding income tax and its deduction qualification. The former only taxes income on unincorporated commercial activity – such as a business, farm, or rental – and income culled from dividends and interest. And the latter only taxes interest and dividend income as well. A few states even offer deductions on property taxes as well. Alternative Minimum Tax subjects may not qualify for these write offs. However, AMT participants may be allowed certain sales tax deductions in states with these particular refunds.

H&R Block hosts a highly informative listing of local and state income tax laws from across the United States. This is one of the best resources to gauge what regulations are in place where. Some individuals who live in a state with no income tax may still have to pay as such if they work in a state that does. Due to the overwhelming difference in state by state laws regarding interest, dividends, and other venues for income, it is a very wise idea to consult with a professional to ensure proper form submission prior to paying taxes.

6. Charitable contributions that aren’t cash

Most taxpayers are only aware of deductions relating to cash contributions to charity, all of which require receipts. However, write offs are available for almost any number of donations to nonprofits and other charitable organizations. For example, volunteers may deduct 14¢ for every mile driven for the benefit of a charity. New or used items may be taken off for the equivalent of their retail value provided they are in good condition. Donations of property, though, are subject to a few restrictions. They are generally written off for the equivalent of their fair market value, but must be reduced by ordinary income or short-term capital gain should the taxpayer elect to sell it instead. Time may not be deducted, though out-of-pocket expenditures can.

Donations exceeding $500 must be reported on Form 8283, and those exceeding $5,000 may require an appraisal. Anyone donating a vehicle such as a car, boat, or plane must deduct the lowest fair market value available, except in certain circumstances where it is permissible to write it off at a higher value. These include the nonprofit’s regular use of the transportation in question, its significant material improvement, or handing it over to one of the individuals or families directly served by the organization. When donating a car, plane, boat, or other vehicle, the charity will provide the necessary 1098-C Forms to be attached to a tax return.

For charity-sponsored events such as raffles and dinners, participants may write off the cost of what regular admission price would be if a nonprofit were not involved. Charitable contribution tax laws can prove rather daunting due to the amount of restrictions, exceptions, and regulations involved. Those who participate in multiple charitable services each year must look closely at what and how much they are able to write off.

7.  Health insurance premiums

Taxpayers who spend more than 7.5% of their adjusted gross income on healthcare and other medical-related expenditures are allowed to deduct the amount. This includes prescription costs, insurance, miscellaneous out-of-pocket spending, and travel to and from medical facilities. Pre-tax insurance premiums, however, are ineligible. When filing, make sure to itemize all health-related deductions to properly receive them.

Contributions made to an HSA can either be tax-deductable or considered pre-tax if part of an employer’s benefit plan. The account itself is not taxed, nor are any expenditures from it used to pay certain medical expenses. Individuals qualified for an HSA must also have a high deductible health plan (HDHP) that meets a given minimum subject to change on a yearly basis. They must also refrain from paying medical benefits until after the deductible has been completed, not be considered a dependent on anyone else’s tax return, hold no other health insurance plans, nor a participant in Medicare. It is possible to pay $2, 900 into an HSA every year for individuals and $5,800 for families. Seniors over the age of 55 may pay in an additional $900.

Those with FSAs may also be eligible for certain deductions as well. Contributions into these plans by either an employer or an employee are not subject to taxing. However, any corporate pay ins intended for long-term use are considered income and must be reported. For dependents, no more than $5,000 a year may be set aside. FSAs and HSAs alike are governed by a wide variety of laws, restrictions, and requirements. Make sure to consult a reliable professional or other source to ensure getting the best tax deduction possible.

8.  Owning a hybrid vehicle

In order to encourage car buyers to purchase environmentally-friendly cars, the United States government offers tax incentives for those electing to buy a hybrid. It is only available to the original owner, however, and does not extend to individuals, families, or businesses, or other organizations who buy them used. Even then, the credits are only available within a limited time frame. The IRS has a listing of credit amounts based on year purchased, make, and model of the vehicle. Eligible cars must have been bought or manufactured in 2005 or beyond to count towards a tax deduction.

9.  Higher education

Higher education – regardless of whether or not it is through a university, community college, or trade school – always costs a significant amount of money. Fortunately, there are a number of tax breaks available for students to defray some of their taxes. However, some restrictions do apply, including the inability to write off more than one credit for the same expense. There are still a number of possible deductions that most students will find extremely valuable, though, and most will generally qualify for at least one.

The Hope Credit may be claimed within the first 2 years of a college education and is equal to 100% of the first $1,200 and 50% of the next $1,200 for tuition and a few other different fees. Students may not receive this credit more than twice in their lifetime, nor can they earn more than $1,800 as a deduction. The Lifetime Learning Credit has no time limit and deducts up to 20% of annual tuition and fees. Students may claim a maximum of $2,000 per tax return with the LLC. A Tuition and Fees Deduction is available at $4,000 a student, and the Student Loan Interest Deduction allows for $2,500 off every return on any interest paid towards student loans. See the savings bond section of this article for more details on how their interest may be written off when used towards higher education.

Some of the more common higher education deductions are available on scholarships, grants, and Fullbright Grants. Only a certain percentage of these count as income, though some degree of a deduction is available. Be sure to talk with a financial professional to figure out how much must be paid and how much can be written off prior to filing a return. Financial Aid must be reported on Form 1040, 1040 EZ, or 1040A.

10.  Saving for Retirement

Individuals qualify for The Saver’s Credit must be over 18 years of age, not studying as a full-time student, not considered a dependent on anyone else’s tax return, and not possessive of an AGI over $26,500 for an individual, $53,000 if married and filing jointly, or $39, 750 for a head of a household. The Saver’s Credit allows for up to half of contributions to an IRA or other eligible retirement plan to qualify as a tax credit. Annual pay ins of up to $2,000 are eligible every year, and spouses who contribute are both allowed to claim individual deductions. Maximum credit amount percentage is determined by AGI and filing status. A full listing of what entitlement is available to whom is available via H&R Block.

With these frequently underrepresented and disregarded tax deductions, men and women across the United States can save themselves thousands of dollars every year that they never thought possible. Meet with a tax-deductable tax advisor to ensure qualifications in the event of understandable confusion. Doing so could mean a significant reduction in any tax returns filed this year.

Charities and scholarships are usually created solely on one’s passion to help others or a life experience that has inspired them to provide aid to others in the same situation. With an outpouring of individuals wanting to start charitable organizations that can make the world a better place, it is important to do your research. Starting a nonprofit organization can be both fulfilling and exciting, but it also requires an extreme amount of focus and planning. Even though you are not starting this foundation for monetary purposes, it is still necessary to equip yourself with a support system that will start you on the road to success. The below resources can give you the basic advice and principles needed to get you established.

Articles

There are huge amounts of articles out there on starting a charitable foundation. The one’s we have listed are provided free of cost.

1. How to Start a Charity – Starting a charitable organization may provide assistance to members of your community or even individuals in any part of the world. This article will help you to determine the needs of the individuals you are interested in helping.
2. 501(c)(3) – To Be or Not to Be? – For most just starting, the process of forming a nonprofit corporation can be confusing. To help decipher some of these issues, attorney Anthony Mancuso has written a step by step manual to lay out the general foundation of a nonprofit incorporation.
3. How to Start a Scholarship Foundation – Specific criteria for receiving individual scholarships can differ depending on geographic areas, areas of study and schools of choice. Read this article to set up a private scholarship foundation.
4. Tech News – Enhancing Human Services through Technology is written for human service organizations. It contains many articles on the topic of how nonprofit organization can use computer technologies.
5. Grant Writing Basics – Learn about grants and how money is given to a nonprofit organization or individual, which does not have to be paid back if the terms of the agreements are followed. Find out about what grants your charity might qualify for.
6. How To Start A Charity: The Legal Requirements – If you want to start a charity, you will need to do your homework and see what all the authorities have to say in the matter, before starting a charity. Here is an article that details the steps you will need to follow.
7. Nonprofit Organizations: Should You Incorporate? – Many owners of nonprofit organizations struggle over the decision of whether or not to incorporate. It is not required for a nonprofit organization to incorporate, but in some situations, it is advisable.
8. Writing a Mission Statement – This article will give you great tips on writing a mission statement. Writing a good, succinct, and clear mission statement is not too hard but it does take a lot of thought and consideration.
9. Name Requirements for Nonprofit Organizations – With every new nonprofit organization that pops up, another name is taken. Since trademark laws are very restrictive, you need this article to help you in the struggle.
10. Considering Nonprofit Management Consulting? Ways to Choose and Engage Effective Nonprofit Consultants Educate yourself on how consultants help nonprofits, simple steps to creating a successful nonprofit project, and tips for conducting your consultant search. This article will help you to pin point your desired goals.
11. How to Establish an Endowment for a Nonprofit – A nonprofit organization should have an endowment fund because it gives the organization financial and credible stability. Read about its importance when it comes to writing grants and recruiting board members.
12. How to Create a Charitable Trust – A charitable trust can be legally created to support your particular cause. This resource will give you the advice you need.

Videos & Non Profit Channels

Many nonprofits are now using video to communicate with supporters about their causes as well as educate those starting their own organization. Here are a few of these videos and channels below.

13. How to Outreach for a Non-Profit Organization – Learn about outreach for a non-profit organization in this free business startup video from a management expert on non-profit organizations.
14. Channel G – A nonprofit organization that distributes and produces educational and instructional video pieces. These videos are devoted to inspiring individuals about the work of nonprofit organizations in the US.
15. Budget Planning for a Non-Profit Organization – Plan your budget for a non-profit organization by viewing this video. You will find it both informative and insightful.
16. How to Set Up a Board for a Non-Profit Organization – Developing a board for your scholarship or charity can be a heart wrenching task. Get the advice you need for choosing these special individuals with some help from this non- profit guru.

Organizations

These organizations are committed to helping those who want to help others. They provide a number of networks and opportunities to those interested in starting their own charitable cause.

17. The Alliance for Nonprofit Management – An umbrella group for organizations that provide management consultation to charities. Its Web site allows visitors to search for management assistance providers in their local areas.
18. Grassroots – Grassroots provides free Internet services to charities, including full-featured web hosting and email services. They also provide legal consulting to charities at no charge including assistance with incorporation, application for tax-exempt 501c3 status with the IRS, and tax and risk management issues.
19. GrantSmart – Useful for grant seekers, philanthropic organizations, and those looking for other organizations with similar projects. There is also a searchable Database of tax related information for each of the over 60,000 private foundations that file Form 990-PF with the IRS.
20. The Association of Fundraising Professionals – This is a membership organization for fund raisers. It provides publications, workshops, and conferences to help both new and experienced people in the non- profit field.
21. National Committee on Planned Giving – The NCPG is a professional association for individuals working on developing, marketing, and administering charitable planned gifts. It was formed in 1988 to aid in coordination of education and training of the planned giving community.
22. CompassPoint Nonprofit Services – A nonprofit organization that provides consulting advice to charities on subjects like fund raising, management, technology, and others. It serves nonprofit groups in the San Francisco area, but offers online education, free newsletters, and links to grant makers and other relevant sites.
23. The Foundation Center – This site offers answers to many of your questions and links on a number of topics, including starting a nonprofit group. It also offers online courses and a librarian who can provide research help via e-mail.
24. The National Council of Nonprofit Associations – A group of over 35 state and regional associations of nonprofit organizations, some of which offer workshops on founding charities and can provide consultants and good sources of information on state and local laws and regulations.
25. United Way – Many local United Ways offer management and technical assistance programs for interested charitable organizations. Charities do not have to be funded by United Way to participate in these training programs.
26. Women’s Philanthropy Institute – The Women’s Philanthropy Institute aims to inspires, educates and encourage women to bring change in the world through charity and philanthropy.
27. National Center for Charitable Statistics – Offering fundraising research and training since 1915, this center supports nonprofit organizations and public institutions with funds for health and human services, affordable housing, early childhood education, community arts and culture and other areas of need.
28. National Committee for Responsive Philanthropy – Since 1976, the NCRP has been and advocate for the charitable community. It has provided nonprofit organizations with the well needed resources and opportunities to work toward social and economic justice for disadvantaged populations and communities.

Books, Journals, Magazines, & Newsletters

These publications are all geared toward those in the nonprofit and charitable fields.

29. Mission-Based Management – This book will give you the means to create a solid budget and to run your organization like a business from the very beginning.
30. Streetsmart Financial Basics for Nonprofit Managers – A useful book on budgeting and accounting for nonprofit businesses. It ensures that you will “get more mission for your money,” knowing that you have limited resources available to you.
31. Nonprofit World – Published since 1983, this is the only detailed national leadership, management, and governance focused magazine in the nonprofit sector.
32. Philanthropy Journal – A free online news publication published by the A.J. Fletcher Foundation in Raleigh , North Carolina . It covers state, national, and international news about fundraising, giving, managing, volunteering and technology in the philanthropic and nonprofit community.
33. The Grantsmanship Center: Magazine – The free TGCI Magazine is packed with information on how to plan, manage, staff and fund the programs of government agencies and nonprofit organizations.
34. The Nonprofit Handbook, Third Edition – Get the down low on starting a nonprofit organization, including applying for tax-exempt status, writing bylaws, getting insurance, hiring and firing, planning and leading an organization, and much more.
35. Board Cafe – A free electronic newsletter for members of nonprofit boards of directors published by the CompassPoint in San Francisco. Back issues and instructions for subscribing to the newsletter can be found on the web site.
36. Starting and Managing a Nonprofit Organization: A Legal Guide, Third Edition – Written by Bruce R. Hopkins, this book discusses salaries and benefits for employees, planned giving, personal liability, and more.

Web Sites

These sites can definitely give you the essential principles needed to get you on your way to running your charitable foundation.

37. Nonprofit Good Practice Guide – This site promotes standards of practice and provides resources and glossaries for nonprofit management. Topics include fundraising and financial stability, governance, staff development and organizational capacity, accountability, and evaluation.
38. Starting a Nonprofit Organization – A comprehensive site written and compiled by Carter McNamara, co-founder of Authenticity Consulting. This site gives lots of practical advice, including checklists of tasks founders need to complete and useful links to other sources.
39. Tax Exempt Status for Your Organization – A government produced guide to acquiring charity status. There is also additional information not found on many other sites targeted towards charities.
40. IRS – Get federal tax information for charities and non-profits from the IRS. Oversees federal tax-exempt status of charitable organizations and provides resources to assist charities, private foundations and other nonprofit organizations with federal reporting compliance.
41. The US Government – Provides information for non-profit businesses. This is the official information and services site from the U.S. government.
42. Charity Fraud – This site gives helpful advice to consumers, business people and nonprofit organizations about avoiding charity fraud. It provides fact sheets and consumer alerts regarding potential charity scams.
43. ED.gov: Grants and Contracts – Find education grants or keep up with existing ones on this site. It includes the forms needed for grant applications, performance reporting, budget, and other information.
44. Idealist.org – An interactive site where individuals and organizations can exchange resources and ideas, locate opportunities and supporters, and take steps toward building a world. It also provides a directory of nonprofits, contact information and resources.
45. Nonprofit Nuts & Bolts – Practical Tips for building better nonprofits. This website provides simple how to’s and management articles for non-profit executives covering topics such as fundraising, volunteer management, public relations, special events, committees and board relations.
46. Labyrinth Inc. – If you are going to solicit funds you will likely have to register in each state in which you intend to solicit funds. This useful site directs you to the registration contacts for each state.
47. Online Compendium of Federal and State Regulations for U.S. Nonprofit Organizations – A commercial web site that provides a combination of materials presenting the regulatory setting U.S. nonprofit organizations face today.
48. Npsoft.org – A software site that caters to non-profits and academic organizations. All the software listed on npsoft.org is discounted for not for profit organizations.
49. BoardSource – Publishes materials on how to form a nonprofit board and recruit new trustees as well as other topics of interest to nonprofit founders. It also holds workshops and can provide consultants for a charity that is being created.
50. Create Your Own Charitable Foundation – This article explains in a simple and straightforward way the basics of starting your own charitable foundation. Although they try to pitch management organizations for you to use, and therefore this isn’t a completely unbiased summary, its a good overview.

Starting your own charity or scholarship may not be easy, but it is well worth the effort once you see the final product. We hope that the list provided can aid you on making the most correct and efficient decisions when it comes to your chosen cause.

For an indiscernible number of years, business and travel have gone hand in hand. However, in the last few years, business travelers with an iPhone have found it to be an indispensable tool for both. With that in mind, below are the top 20 iPhone apps for business travelers to get the two done in no time.

Top Business iPhone Apps for Business Travelers

Get the most done from your airline seat, hotel room, café, and more with the help of your iPhone and these business apps.

1. RoamBi
   With a simple registration, you can begin using their service to make custom and impressive looking graphs and charts of your data. You can view, analyze, interact with, modify, and share information before making important decisions during travels. The price is free, but you can also take a tour before downloading.
2. iXpenseIt
   Ditch pen and paper for this app that can track and keep score of all your business related expenses. It can also analyze budget vs. expense, give you a summary, and log repeat expenses. Another highlight is its many customizable features, including the option for twelve different languages.
3. reQall
   This is a free, downloadable application that lets your iPhone capture tasks and ideas using your own voice. It also automatically organizes your information, integrates with your Outlook or Google Calendar, shares reminders with others, and provides proactive memory assistance via the Memory Jogger. If you need even more, there is a paid option with upgraded features.
4. iFax
   Need to send a fax but don’t have access to a machine? Then stop here and get the iFax app that can send both a text or picture fax. Simply pay a one time fee of $10 to send an unlimited amount of faxes straight from your iPhone.
5. Salesforce Mobile
   If you are in sales and your job entails loads of travel, this is the iPhone app for you. It can keep track of leads, contacts, cases, solutions, and much more. It is free for licensed professionals and is also available for the Blackberry or Windows Mobile.

Top Travel iPhone Apps for Business Travelers

Make the most of your business and leisure time, not to mention your wallet, by trying out these iPhone travel apps.

1. WhereTraveler
   Stop here for dozens of downloadable travel guides for popular destinations across the globe. The City Spin series takes a comprehensive, insider’s look at the best places to visit, dine, and much more. Choose from U.S. or international, and you can even get help with airlines and car rentals.
2. iFare Finder
   Use this app to search for, and purchase, flights straight from your iPhone. Search for non-stop flights, at specific times of day, and more. It sells for $1.99 and can even connect you to the airline if you have more questions.
3. Flight Track
   Now that you know which flight you want, keep track of it with this app. It gives you a live international status tracker with flight maps and keeps you from standing in line to ask a gate agent where he/she thinks the flight is. Along with many features found in other tracking apps, such as the ability to track alternate flights, this one also tracks the weather.
4. Around Me
   In a strange city and need to find something fast? Then get this free app to find a restaurant, bank, gas, and more in your location. It can even give you a route on how to get there, along with the distance.
5. TripIt
   Use this free iPhone travel app to create, manage, and share your travel itinerary. View the details of your trip, whether online or not, integrate to many destinations, get maps, and store important phone numbers all with one application. You can even use it to check the status of your flights online.

Top News iPhone Apps for Business Travelers

Don’t miss a single headline during your travels by checking out these top business news apps for the iPhone.

1. Wall Street Journal Reader
   One of the most read business publications in the world, this app brings you the latest global news, financial events, market insights, and information to keep you ahead of the curve. Get the information you need plus entertainment, culture, and sports coverage. Features include videos, podcasts, custom navigation, and the option to save and share articles.
2. Bloomberg.com Mobile
   Visit the site or download the app for the iPhone to get the latest in business news. With headlines updated daily, you can get breaking news on stocks and the financial market straight from your iPhone. There is even a MobiTV app for $9.99 per month to bring you Bloomberg Television streamed straight to your mobile device.
3. CNN App for the iPhone
   This app brings you live streaming video of breaking news, headlines, weather, and traffic from the palm of your hands. The app allows you to read, watch, save, and even follow the stories of your choice. A standout feature of this app is iReport, where you can directly report a breaking story from your iPhone using the its photo and video capabilities.
4. NY Times iPhone Application
   Read selected columns or the entire online version of “The New York Times” with the help of this app. Features include offline reading, simple navigation, advanced photo viewing, and personal customization. It is completely free to get and especially useful if you plan to visit New York.
5. Mobile Newstand
   Still don’t have enough reading material? Then visit here for a virtual newsstand and choose from loads of popular magazine titles delivered straight to your iPhone. Business minded travelers can choose from titles such as “BusinessWeek,” “Smart Money,” “Kiplinger’s,” and more.

Top iPhone Apps to Make or Save a Buck for Business Travelers

Use these business and travel iPhone apps to make or keep the most money.

1. Free SMS
   SMS is a Short or Silent Message Service, generally known as texting. If your iPhone plan charges you by the text, or you are about to go over the allotment, try this app. It will allow you to send the text for free and have the reply sent to an email to save you even more. You can also send from the site without having to download anything.
2. Local Gas Prices
   Know what the price is before you buy by checking this out. It contains up to the minute gas prices for both the United States and Canada for many popular locations. You can also get if the prices are falling, rising, or remaining stable.
3. MiniBooks for Freshbooks
   If you are a business traveler who charges by the hour, this iPhone app is essential. Simply get this app to track your time and invoice your clients while you’re away from your computer. There is even the option for working with Paypal, Authorize.net, and others.
4. Box.net
   Stop wasting money on expensive and bulky sharing apps. Box.net can do online file storage, FTP replacement, and team workspaces, all for free on the Lite version. There are also free trials of paid plans with more features, which can host up to ten users.
5. Bump
   Save money on printing business cards by getting this free app. It can literally give your information to another iPhone holder with a simple bump. Just open the app, select the information you want to send, and bump to exchange.

Get help with everything from planning and organizing your trip to saving money during to invoicing after with the help of these top 20 iPhone apps for business travelers.

Unlike Facebook and the like, LinkedIn is strictly a social network for professionals with over 48 million members in over 200 countries. Working like a sophisticated online business card, members from those new to the workforce all they way to CEO’s of Fortune 500 companies utilize the free service. However, there is a right and wrong way to do it, and below are the top ten rules of LinkedIn Etiquette for Business professionals.

1. Bad Profile Picture
   Professionals who choose to post a picture of themselves on LinkedIn should keep the same frame of mind. Although everyone loves to see pictures of children, it can send the wrong image when looking for a professional online. Other mistakes, such as bad lighting, posing, misleading shots, and others can be fairly obvious, but still manage to happen. It may even be worth hiring a professional photographer to make sure it is done right.
2. Honesty
   It may be tempting to embellish that resume or bio on LinkedIn, but it is important to remember that anyone can see it. This includes both current and former colleagues and bosses, who can shine a light on any inconsistencies. It is much easier to erase a little white lie before you post, rather than after it has been exposed.
3. Catch Them With a Headline
   Ever passed on an article because the headline didn’t grab you? The same rules apply to LinkedIn etiquette. Taking the time to craft a catchy and memorable summary can make all the difference. This site can help with headline guides, formulas, and more.
4. Status Updates
   Walking a fine line between too many and too few status updates on any social networking sites can be difficult, and LinkedIn is no different. A good rule to have in mind is to keep updates professional. Whether discussing a project, event, etc. these can actually be helpful and show your network that you are engaged. However, updating several times a day can be annoying and have connections dropping you in no time. If confused, try looking at a profile you like and emulating how many times they update their status.
5. Utilize Links
   Although LinkedIn allows you to post a link to up to three websites, many users simply title them My Company or My Blog. Because neither is tantalizing, get creative when naming the sites you link back to and entice the viewer to click on them. There are also widgets such as The Profile Widget or Company Insider to help even more.
6. Get Recommendations
   Whether from a supervisor, colleague, subordinate, or even client, positive recommendations can make a big difference. As with most things, having too much can turn off possible connections and make you seem too needy. When asking for them, be sure to include a personal note as to why and what you would like to avoid the standard, boring recommendations.
7. Introductions Are In Order
   As a LinkedIn member, you may receive or send requests for introductions to other members. When receiving them, be sure you trust whoever is sending them or ask a follow up question before accepting to avoid spam and scams. If sending a request for an introduction, be sure you ask your connection prior so that they know why and be more inclined to accept your request.
8. App It Up
   LinkedIn has added nine different applications, similar to those on other social networking sites, to help your profile stand out some more. When used correctly and in the right doses, they can help you with travel, blogging, workspaces, and more. There is even a Google and SlideShare presentation app to help you share your work straight from your profile.
9. SEO
   SEO, or search engine optimization, can help others find a profile such as “sales” or “real estate.” By repeating these words, you can increase the chances that a search engine such as Google will retrieve your profile. However, using the same words over and over can be confusing once you do get the traffic you desire. Try and keep a balance when utilizing SEO.
10. URL
    This is a little harder if your name is John Smith, but those with unique and unusual names can grab an easy and memorable URL on LinkedIn. It is very useful if the contact you are speaking with doesn’t have anything to write with or if someone wants to see your LinkedIn profile without having to paste in a long link. If your name is John Smith, try a URL such as JohnAtBlankCompany.

Useful for both a job search or building a network with a broad reach, LinkedIn can be a massively useful tool when used correctly and utilizing these top ten rules of LinkedIn etiquette for business professionals.

Whether in the best or worst of times, people need to know how to make, spend, and invest money. Everyone from the teenager collecting their first check to the retiree can benefit from increasing their financial intelligence or be devastated by the lack of. Stay on top of your money and ahead of trends by using the internet to read the 100 best blogs for financial intelligence. They can help you get started, make new habits, invest wisely, and even be entertaining.

Best Sites to Increase Your Financial Intelligence

Stop by the below first to learn more about finance or brush up.

1. Finance Glossary: Start here for a list of common and uncommon terms used in finance. Choose from the most popular, by letter, or do a search.

2. Kiplinger: This site contains timely and trusted personal finance advise and business forecasts. You can start with the basics, get tips for investing, info on retirement, tools, calculators, and so much more.

3. Economix: Contributors from “The New York Times” explain how everyday economics affect jobs, homes, families, and decisions. Special features include the debt trap and reckoning.

4. PrecisionIR: This site helps companies build interest, interact with an audience, and measure results. They have a ton of resources to help you do just that including podcasts and online tools.

5. BusinessFinance.com: Visit here if you need more information on how loans, business, and finance come together. Especially useful for small businesses.

6. Mergers & Inquisitions: Discover how to get into investment banking with this blog. Core content includes the basics of investment banking, the lifestyle, fashion, resumes, and even recruiting.

7. Bankrate: Ready to get a loan or put some money in the bank? Then stop here for an-all-in-one guide to credit cards, home equity loans, CD rates, and the latest numbers.

8. Your Personal Finance 101: Wonder what credit piggybacking and emergency funds are? Then visit here to learn these and many other personal finance topics.

Best Bets for Financial News

Because the world of finance changes on a daily and even hourly basis, these are the top sites for the latest in financial headlines.

9. Bloomberg: Start here for a no holds barred look at the world of finance. The homepage constantly updates itself with the latest news in the market, personal finance, and much more.

10. Business Finance: You don’t have to subscribe to this magazine to get the latest in corporate, personal, and other areas of finance. They even have a wide range of finance blogs to choose from on every topic from taxes to technology.

11. Reuters: Visit this leading site for breaking financial, U.S. and world news. Finance sections even include those on green and small businesses.

12. MarketWatch: A popular choice to get the latest in stock quotes, they also have regularly updated financial news. Another key feature is the expert commentary on all things business, market, and finance.

13. Finance Times: Stop here for highlights such as the Trading Room and in depth reports. They also have tools in portfolio, lexicon, MBA rankings, and more.

14. Bankers Ball: If you are interested in both finance and investment banking, this is the place for you. Features available include the latest news, job listing, an active forum, and even salary surveys.

15. The Big Money: Get news on finance, business, economics, and more from this site from Slate. In addition to the latest headlines, there are also editor’s picks.

16. Finance Asia: Stop here for the latest finance news from the East. You can read the latest headlines, choose by country, and much more.

Best Educational Blogs for Your Financial Intelligence

These finance blogs are authored by educators in the financial field and also one student.

17. Voices: Choose from tons of blogs from the faculty and alumni at the Harvard Business School. You can pick finance blogs such as Edge Economy and Financial Intelligence or one of the many others.

18. Capital: Thomas F. Cooley is a professor of economics at the Stern School of Business in NYU. His latest entries include “Animal Planet vs. Economic Reasoning” and “The Stimulus is Definitely Working?!”

19. CARPE DIEM: Mark Perry is a professor of economics and finance and fills his blog with humor. He often posts stories that interest him, along with the occasional commentary.

20. Grasping Reality With Both Hands: This professor teaches economics at UC Berkeley and gives a reality based look at the world. Along with posts, you can see what he is teaching and get reading recommendations.

21. Division of Labour: Several finance professors contribute to this blog. Posts are often on items of interest.

22. Finance Professor: James Mahar teaches finance at St. Bonaventure University and authors a blog with loads of content. In addition to regular entries, you can also get YouTube of his finance class, a Twitter feed, and recommended readings.

23. Damodaran: Aswath is a professor of finance at NYU and teaches to MBA students. In his blog, he shares thoughts on corporate finance, valuation, and the daily news.

24. Financial Rounds: The Unknown Professor teaches finance at a doctoral granting school in the Northeast. His blog is where the classroom meets the outside world.

25. The Maturation of Shane: Shane is pursuing a degree in philosophy, politics, and economics at the University of Pennsylvania. See how he navigates life and finance by reading his blog.

Best Blogs for Your Financial and Political Intelligence

See how the world of politics and policy affects the world of finance with these blogs from the left, right, and everywhere in between.

26. Washington Matters: Get evolving judgments, differing opinions, and fresh reporting from the staff of the Kiplinger letters. Recent blog entries include healthcare consensus, cloture, and lessons from President Obama.

27. Political Economy: John Tamny holds senior positions with Toreador Research & Trading, H.C. Wainwright Economics, and RealClearMarkets.com. He frequently writes about the securities markets, along with tax, trade, and monetary policy issues that impact those markets.

28. Political Risk: This blog is authored by James Pethokoukis of Reuters where he covers the nexus of Washington and Wall Street. Latest entries are on healthcare and financial reform.

29. Paul Krugman Blog: He is a columnist on the Op-Ed Page of “The New York Times” and continues as professor of economics and international affairs at Princeton University. Recent entries are on healthcare, Nixon, and debt.

30. Thomas Sowell: He is a senior fellow at the Hoover Institute and author of economics books such as “The Housing Boom and Bust.” Most viewed entries include “A Fatal Trajectory,” “A Rookie President,” and “Upside Down Economics.”

31. Freakonomics: Another blogger for “The New York Times,” they are authors of a book of the same name. Posts are often on trends in a variety of areas.

32. Clive Crook’s Blog: He moved from Britain to the U.S. in 2005 to write for the “Atlantic Monthly” and the “National Journal” after 20 years working at the “Economist.” Posts are mostly on the intersection of politics and economics.

33. Westminster Blog: Jim Pickard and Alex Barker share the latest news and gossip from the U.K.’s political scene. Recent entries are on Microsoft and the Berlin Wall.

Best Blogs for Your Financial Freedom

What good is financial blog if it can’t teach you how to be rich? Get just that information and more from the below.

34. 2 Million: Featured in “Business Week,” this blogger is an engineer for IBM and began his goal to become worth two million dollars in 2006. Today, he is over halfway to that goal and shows you how in great detail.

35. Get Rich Slowly: This blog has made headlines in “The Wall Street Journal” and “Money” magazine for personal finance that makes “cents.” You can get great tips on savings accounts, CD rates, a best of section, and even a best rate calculator for short term investments.

36. Million Dollar Journey: A Canadian couple hopes to grow their financial worth to one million dollars before the age of 35. See how they are doing, as well as read interesting posts on how Smith Manoeuvre and investing taxes work.

37. The Skilled Investor: Visit here for a directory of objective family finance blogs including S&P 500, no load bond funds, and more. The SI also gathers the best in personal finance blog posts and gathers them in one spot.

38. Money Monk: Marie saves an impressive thirty percent of her gross income and shows you how to do it. Popular topics of hers include not living below your means, what to tell your partner, and why she is mad at Suze Orman.

39. Living Off Dividends: Learn how to make your money work hard, so you don’t have to with this blog. Specific questions on topics such as investing in gold, tax liens, China, and others are asked and answered.

40. Everybody Loves Your Money: Learn how to live for today, but plan for tomorrow with this blog. Categories include credit, net worth, retirement, saving, and spending.

41. My Open Wallet: Madame X lives in New York and tells the world how much she earns, spends, and saves. A good read for her 20 rules alone, but she also lists her goals and worth.

42. Generation X Finance: Stop here for loads of financial freedom advice for this generation. The latest entries include why your car is making you poor and how to keep your job.

Best Blogs for Your Personal Finance

Avoid making common mistakes, how to get out of them, and more by checking out the below.

43. Moolanomy: A popular blog, the site also has information on banking, debt, investing, and more. There are even financial Q & A sessions and reviews.

44. Stocks to Watch Today: Get just what the title promises from Bob O’Brien of Barrons.com, who recently reviewed stocks for airlines and fast food. You can also get tons of other finance information from the site.

45. Your Wealth: Judy is a personal finance expert with Bankrate.com. In addition to the useful posts, you also have the option to ask the experts a question.

46. Money Matters: Matthew Vincent, the editor of FT Money, and his team of reporters blog on personal finance news and insight. Latest posts are on bank charges and wise investing.

47. Russell Bailyn: Russell is a Wealth Manager with Premier Financial Advisors, Inc., located in Manhattan and even gives free consultations. If you want to save your twenty five cents, the blog is loaded with tons of expert advice on personal finance.

48. The Digerati Life: Silicon valley girl is a software engineer who blogs about money, technology, and entrepreneurial endeavors. Highlights include reviews of Scottrade, TradKing, Zecco, and other online stock brokers.

49. Five Cent Nickel: Nickel gives tons of personal finance advice on great deals, smart practices, and features reader’s choices. Most talked about posts include Dave Ramsey and an $8,000 homebuyer tax credit.

50. Personal Finance Advice: A community of bloggers bridge the gap between money and investing. They specialize in saving money, getting out of debt, and real people’s finances.

51. Money Ning: MN shares insights on saving money, investing, retirement, and stocks. Stop by for reviews, regular posts, and interesting reads such as “How I Started Buying My First Stock.”

52. Bible Money Matters: Get personal finance advice from the Christian perspective here. Useful tips are often accompanied by a corresponding Bible verse.

Best Columns for Your Finance Intelligence

These financial bloggers get paid to write these columns for some of the leading information providers in the world.

53. WSJ Blogs: Choose from a wide variety of blogs from this leading newspaper. They include finance minded ones such as Marketbeat and Venture Capital Dispatch and even those for the auto, healthcare, and entertainment industry.

54. Floyd Norris: He is the chief financial correspondent of “The New York Times” and “The International Herald Tribune.” Top tags in his blog include S.E.C., credit crunch, and home sales.

55. USA Today: Money: Get news and sights in all aspects of finance including stock, real estate, taxes, business, and more. They also feature money essentials and the option to ask one of their experts a question.

56. CNNMoney: Choose from topics such as personal finance, retirement, and even luxury here. Current popular stories include Steve Jobs, the Nasdaq, and five lessons from the crash.

57. Forbes: Even though its better to be featured in it, this magazine still provides useful finance information if you can stomach the ads. Most notable for its lists, it also has interesting sections such as ForbesWoman, people tracker, and opinions.

58. Fortune Columns: The same people who bring you the top 500 companies also have an impressive selection of online columns. Get financial related blogs such as the Commodities Desk and Captain’s Blog, along with many others.

59. Fool.com: Sick of all that serious finance advice? Then stop here to get educated and amused as you get rich with news, tips, blogs, and much more.

Best Blogs for Your Financial Career

Those looking to go into finance as a profession will find loads of help in the sites and blogs below.

60. Careers in Finance: Get a comprehensive guide to finance careers by visiting here. You can explore different jobs such as commercial banking and money management, along with searching for the jobs themselves.

61. Wall Street Oasis: Visit this site for career advice, along with a community and news. It offers forums, guides, groups, training, and even a GMAT prep.

62. eFinancialCareers: This site contains information on jobs in finance, investing, banking, and recruiting. Utilize their career toolkit, post your resume on the site, or search for open positions.

63. JobsintheMoney: Careers in finance and accounting can be found here. In addition to searching for jobs, you can also get news, advice, and even a blog.

64. LinkUp: Tired of outdated or scam job posts? Then stop here for job listing taken from only trusted company websites. There are currently over 350,000 jobs at over 21,000 companies.

65. After College: Stop here for jobs exclusively for those finishing school in entry level and internship positions. In keeping step with this generation, there is also a social network where you can join others from your school in that job search.

66. First Jobs: Young professionals can learn what to expect and accomplish in their first job. Categories include career tools, internships, pay and benefits, and workplace issues.

Best Podcasts for Your Financial Intelligence

Use your time in the car, exercising, and more to listen to these finance minded podcasts.

67. MW Podcasts: Get both daily and weekly podcasts in a variety of topics from Market Watch. Choose from Morning Stock Talk, Take On Tech, and many others.

68. FT Podcasts: Choose from six different finance shows here. Topics include digital business, money, management, and more.

69. Online News Feeds: Get additional analysis and insight from the experts at “Business Week” by stopping here. There is even a weekly video edition hosted by the assistant managing editor of the publication.

70. Money Girl: She gives quick and dirty tips for a richer life in this award winning podcast. Recent episodes are on how to protect from scams, pay for college, and create a budget.

71. Vanguard: Get plain talk on investing to help you achieve financial success through easy steps. Weekly episodes cover topics such as buy and hold, withdrawals in retirement, and saving for college.

72. Marketplace: This site has several different MP3 or video podcasts to choose from. Get everything from the opening bell to the dinner party download.

73. Kiplinger Podcasts: Stop here for audio versions of the top stories from the latest issue of the magazine. Latest episodes include retirement, saving on health, and steal these deals.

74. Fund Advice: Recognized by “Money” magazine, this podcast focuses on mutual funds, retirement, money management, and more. Topics include the latest in news and sound investing for that week.

75. The Dave Ramsey Show: You can get one hour of this show for free or three for free with commercials. Listen to the latest, or choose from subjects such as kids and money, bankruptcy, or church programs.

Best Blogs for Your Finance Deals

See how top companies make deals, mergers, and acquisitions with the help of these finance blogs.

76. Dealbook: Visit here for news on mergers, acquisitions, venture capital, and hedge funds. There is also a Tuesday column where an expert comments on specific deals and deal makers.

77. Deal Zone: Chris Kaufman of Reuters takes you behind the scene of the deals. Recent posts include Eastbound traffic and deals du jour.

78. Deals & More: See how the latest deals are affecting tech, money, and innovation. There are also similar blogs for games, green, and the digital world.

79. Dealbreaker: A self described Wall Street tabloid, you can get finance news, as well as gossip here. Hot topics include the opening bell, hedge funds, write-offs, and others.

80. Footnoted: Michelle Leder takes you behind the S.E.C. and digs deep into their filings. Immensely useful for seeing how and why deals really happened.

81. TraderFeed: See how deals, the market, and finance have evolved through graphs and trends sometimes dating back for decades on this blog. Brett is the author of “The Psychology of Trading” and has an interest in historical patterns in the market to give him an edge.

82. Transcripts Center: Want to see what goes on behind the scenes? Then check out Seeking Alpha for tons of actual transcripts from leading companies, as well as other financial related resources.

Best Blogs for Your Finance Leadership

These finance blogs are authored by some of the top financial professionals in the industry, along with some that are devoted to them.

83. Fact Comment: This blog is authored by Steve Forbes, the Chairman and CEO of Forbes and Editor-in-Chief of “Forbes” magazine. Sometimes writing several entries a day, he comments on current events and their effect.

84. Management IQ: “Business Week” writers gather insights from the brightest business thinkers, critique management trends, and comment on leaders. The latest entries took a look at CEO pay, Ben Stein, and the CEO of Comarco.

85. CEO Blog: Jim is the CEO of SYNNEX and shares his take on time and leadership. The latest entry showed how a successful leader spends his time.

86. Slacker Manager: The vice president of IT for a financial company, Phil is also a social media maximizer. Posts often show how to praise, rather than scold, employees.

87. Warren Buffett Watch: Follow CNBC as they follow this billionaire financial expert. Entries mostly gather the latest press releases and statements on Mr. Buffett.

88. Berkshire Ruminations: Need more Buffett? Then read Andrew Kern’s blog, a devotee of his, as he covers, trends, markets, and more with an expert eye.

89. Modern Graham: This blog is devoted to the study and modernization of the theories of Benjamin Graham. Get useful items such as methods, valuation calculator, and popular content.

90. Stephen Schwarzman: Although he is the CEO of Blackstone, this is not his blog. In fact, the entire site is covered with fake blogs that are good for a laugh, including other business people such as Donald Trump and Jim Cramer.

Best Blogs for Your Financial Savings

Because saving money is making money, check out these blogs for the best ways how.

91. The Consumerist: Shoppers bite back in this popular site by commenting on and ranking various deals. Learn what to avoid by stopping here.

92. Wise Bread: Live large on a small budget with the help of this blog. Interesting posts show you how to speed up your computer instead of buying a new one and a cheapskate guide to eating out.

93. Saving Advice: This blog takes a serious look at specific ways to save money. A recent article gave tips to those who think they can’t retire.

94. My Money Blog: Another blogger tells how much he is worth, how it is invested, and goals. Popular posts include $100 credit card bonuses, best online savings accounts, and best rewards credit cards.

95. Deal Seeking Mom: This mother literally scours the internet to bring you the best in both store and web deals. Current popular deals include $3 movies at Target and free magazine subscriptions.

96. Taking Charge: A variety of bloggers write on the ups and downs of credit cards. Get the best rates, see what to avoid, and even learn how to work the “do not call” list.

97. The Simple Dollar: This blogger was born into poverty and made the same mistakes in adulthood, but with the help of this blog, changed that. Jump to the beginning to see the biggest financial mistakes, or read the latest entry.

98. Bargaineering: Jim is behind this frame of mind on saving money. Popular blog posts include 0% balance transfers and credit cards, along with frank reviews of many financial related options.

99. Frugal Dad: Stop here for reviews, tips for getting out of debt, and top ten lists from this popular father. He also tells you the best online banks, credit cards, and emergency funds.

100. American Consumer News: This blog provides savvy consumers with information about products, services, personal finance, and more. Worth a trip just for their Rip-Off Alerts.

Although these 100 best blogs for your financial intelligence will certainly help you increase it, always think carefully and discuss with a family member or financial planner before following any of the advice you read.

Raising children is substantial and demanding enough for many women all by itself. Even still, many mothers harbor the urge to start a business and nurture it right along with their children. But unless you’ve got a nanny, a housekeeper, a chauffeur, and a chef, it’s hard to manage a home and family and still keep a smile on your face. For those actual and hopeful mom entrepreneurs, here’s some blogs that we think will particularly tailor to your needs, as well as provide information and resources that will help you achieve your small business and motherhood goals.

Advice & Support from other mom entrepreneurs

Receive support and encouragement from other mom entrepreneurs with these blogs.  They offer advice and share their stories on both motherhood and running a company.

1. The Mom EntrepreneurGet the basics from a mom balancing motherhood and a small business. Her posts are filled with emotions when talking about the good fortune she has experienced and does not take for granted.

2. My Business Adventures A Mom’s blogging journey of starting her own business. Share her ins & outs, wins and losses, anecdotes, and life’s lessons as she moves ahead.


3. Entrepreneur Mom You’ll find practical tips and smart ideas about entrepreneurship on this blog. This mom also invites successful entrepreneurs to share their best advice with you.

4. The Solopreneur’s Million-Dollar Mindset This  woman helps entrepreneurs achieve their business and life goals rapidly and efficiently. She serves as a Success Coach for the nationally known organization, Count-Me-In for Women’s Economic Independence and helps award winners grow their businesses to one-million dollars and larger.

5. News You Can Use Read this blog from the editor of WomenEntrepreneur.com, Eva Gumpel. Get her thoughts on everything from marriage to the joys of being a woman entrepreneur.

6. Make it Legal A small business instructor’s handbook on law and entrepreneurship. This business attorney has been in the field for more than 15 years guiding small businesses through legal hurdles they face when starting and running their companies.

7. BizCentral USA – Small BizBlog This blog is dedicated to educating the small and start up business enterprise. Women and minority entrepreneurs can find trends and comments pertaining to the challenges they face starting out.

8. EntrepreneurHER A platform for women entrepreneurs who have either considered starting their own business or are experienced entrepreneurs. Find insight and support from other empowered women by learning and connecting.

9. FemalePreneurs Young women looking to start a business can find all kinds of advice and inspiration here. Teaches women how to expand their business by using the internet and their growing expertise.

10. Girl Meets Business Get some insight on how women can navigate the working world from the solid advice given on this blog. Mostly for women professionals who want to develop professionally through growth and learning  but still want to be mommy too.

11. Forging Ahead This is the story of Kjerstin Erickson who was 20 years old when she started her company, FORGE. She didn’t have a business plan and she didn’t have a penny but she now works in three refugee camps in Zambia, helping refugees build better lives.

12. Thoughts Of A Mom Read these observations from this wife, mother, entrepreneur, and woman. She does not hold her tongue about issues that she feels are important to herself and her family.

Budget

Keeping your business budget and your family budget on track can be a real juggling act. Here’s some helpful tips on budgeting and finance from some thrifty mom entrepreneurs.

13. Money Saving Tips for Small Business Owners Find ways to save money for your business in this blog. It serves as an aggregate for information on deals, coupons, and discounts for entrepreneurs and small businesses.

14. Madame Deals This blog focuses on how to save money in all aspects of your life. From household items to printing supplies, these moms only list products that are at least fifty percent off the retail price.

15. The Financial Guru Receive a holistic approach to money and wealth from Vanessa Summers.  She is the CEO of a company dedicated to empowering people to be successful in any economy through entrepreneurship.

16. Money Saving Tips for the Keeper at Home Find Posts on the best grocery deals as well as ideas, products, and fun tips that will make your money go a little further.

17. The Closet Entrepreneur You’ll need to be extremely careful with your limited funds when starting out on your own. This blog offers some excellent tips for entrepreneurs on saving money.

18. Savvy Mom Finds This clever mom finds the best tips, tricks, and treats to help you stretch a dollar. Look for freebies, coupons, rebates, bargains, and advice to help you become a wise spender and reap the benefits of thrifty living.

19.Virtual Entrepreneur Money talk, trends, and tips for any entrepreneur. Connect to plenty of links & opportunities for today’s mom entrepreneurs.

20. Saga of a Work at Home Mom Get frugal business and life advice from this mother of three. She started her company in 1992 and has a lot to say about being a mom and keeping her business fruitful.

21. Personal Finance Blog Great tales of and about successful entrepreneurs. Get  blogging advice about making and managing money.

22. Moms Cash Blog A community based blog that helps teach moms and others how to work at home by making money online. A fun, interactive way to learn how to manage your money in business and at home.

PR & Marketing

Work at Home Moms, established entrepreneurs, or new moms thinking of running their own businesses will benefit from reading these marketing and public relations blogs.  Marketing yourself can help your business grow and prosper for your family.

23. The Vest Pocket Consultant Learn everything you need to know to make your business grow by reading this blog by Rosalind Resnick. She built her company, NetCreations, Inc., from a two person home based startup to a public company that generated $58 million in sales!

24. Franchise Cafe Written by the creator of the Tumble & Tea Café. This entrepreneur mom can give you all the advice on having a successful business and how to develop it into a franchise.

25. Pajama Professional Maximize your earning potential with these generous articles. Constantly updated,  this blog will find legitimate ways to make money online, enhance personal development,  as well as budgeting  tips  for entrepreneurs in all niches.

26. Women at Work Named by Newsweek magazine as one of the “Top 50 People Who Matter Most on the Internet,” Aliza Sherman is a web pioneer and social media marketing expert. In 1995, she started the first woman-owned, full-service internet company.

27. The Internet Strategist Gain knowledge from an internet industry veteran with her own New York marketing firm. This blog specializes in traditional and internet marketing for entrepreneurs and growing businesses.

28. Brand Yourself Get a better understanding of the basics behind business branding. Learn about what you need to do to get your name out there.

29. Lip-Sticking Owner and author, Yvonne DiVita, is an expert on publishing and marketing. Get all the advice you need to get your business to grow.

30. EmpowerWomenNow.com Update yourself on the latest news and step-by-step articles detailing various internet marketing strategies for women entrepreneurs. Posts are on subjects such as online publicity and Public Relations, blogging, social media, and networking.

31. Womenwise Marketing Kelly Watson is a marketing consultant and copywriter who coaches businesswomen on finding the right way to market themselves both online and offline.

32. The Babe of Business This one of a kind blogger has been helping entrepreneurs successfully start, operate and market their businesses. She has developed full-length business plans, conducted in-depth market research and performed feasibility studies on a wide array of business endeavors.

33. Diva Marketing Blog Pro marketer and owner of Bloomberg Marketing, Toby Bloomberg navigates marketing in the 21st century with charm. She has a fun and simple approach to online marketing.

34. A Woman in Business Erica Brooks, a small business owner and mom of two, shares her experiences and business resources to help women start, manage and market a small business.

Health

With all the stresses entrepreneur mothers face by running a business, dealing with childcare, housework and striving to keep the family happy, your health should be of the utmost importance. These blogs can help lead a healthy, active lifestyle that will benefit you and your loved ones.

35. The Healthy Mom Living a healthy lifestyle can definitely be trying at times. Share this mom’s challenges as she tries to keep her and her family healthy while still indulging in the things they all love.

36. Health Begins With Mom A compilation of easy, practical and inspirational tips for moms who want to create a healthier family lifestyle.

37. Women to Women This is a great place to get answers to your health related questions and more, from another woman.

38. Working Mother Momblog If you’re stressed out trying to deal with all the requirements of mothering and growing your business, then check out this blog for some healthy stress relief tips.

39. The Healthy Marriage Keeping your marriage going while trying to raise the kids and promote your business. Find new ways to work on your relationship through this blog.

40. Workout Mommy Here you’ll find fast workout tips and suggestions as well as ideas on how to beat stress. Get quick workouts that you can do with your kids that won’t take too much of your time.

41. The Sassy Pear This mom and blogger is committed to changing her diet, exercising, and creating a healthy lifestyle to lose weight. Share her fears and milestones as she starts on her path to being skinny.

42. Womens Health Zone An overflow of information is given to you on this blog about major topics in women’s health today. From breast cancer to sexually transmitted diseases, all subjects are definitely covered.

43. Nourishing Thoughts A healthy family nutrition blog provides useful family and children’s nutrition, health-oriented tips, and the latest health and nutrition news for healthy family living.

44. Healthy Eating and Living For Family and Children Designed to share this bloggers life experience and things she has learned in regards to health. There are articles on nutrition, family, children and living an abundant life!

45. Our Bodies, Our Blog Get your daily dose of women’s health news and analysis. This blog will keep you informed of issues that are important to women and their health.

Balance

No matter how hard we try to keep an even balance between everything that demands our time, unfortunately there is only 24 hours in a day to work with. These blogs will help you find the joy of your family as well as time you need for yourself. you

46. BizzieMommy.com This blog chronicles the life of a mother trying to reach her goal to financial freedom. She write about the struggles and successes that come her way, as well as some products that can help make mommy’s life simpler.

47. Julie Lenzer Kirk’s Blog Musings on growing a business and entrepreneurship. See how this busy mom knows how to do it all and raise a family at the same time.

48. Mommy Too This blog is dedicated to moms of color. It is written by one of the most recognized moms in the mom blog community. Read about her experiences as a minority woman entrepreneur and get some useful mom tips as well.

49. Sparkplug CEO A network of 15 women bloggers who write about business, parenting, life balance, technology & entrepreneurship.

50. The Integrated Mother Founded to help women bridge the gap between motherhood, work and everything else. This entrepreneur mom is equip to teach and support mothers to effectively manage their life and work so they can enjoy the best life possible.

51. The Crazy Life of a Stay at Home Mom and Jewelry Designer Read about this bloggers life as a stay at home mom trying to find time to design jewelry, network, and write while trying to keep her family in check. She also features other inspiring artists and shares theirs work.

52. From One Mom To Another As a mom and owner of the Warm Biscuit Bedding Co., this entrepreneur shares ways she has learned to simplify her busy life. She offers quick tips and funny mom stories that will keep you going.

53. My Business Adventures A real journey of this mom’s personal business adventures. Starting out as an entrepreneur in January 2009, she relates her experiences, accomplishments, and mistakes, all while being a mom, wife, friend, and daughter.

54. Mother+Entrepreneur Written by the founder of the Mother Entrepreneurial Group Association. Her posts are filled with business ideas, new products, successes, frustrations, family talk, husband talk, as well as marketing and advertising venues she has found to be successful.

55. Mompreneur Asia Mompreneur will inspire you to establish businesses at home while also acting as a parent to your children. Read her informative posts on many topics relating to entrepreneurship, family, and motherhood.

Parenting

You can have your business and still be a great mom. These blogs will provide inspiration and insights on parenting, motherhood, and all the rest in between.

56. Mom 4 Life This blog discusses parenting, child safety, and nutrition. There are also great reviews on a number of products.

57. Parenting Blog A place where moms new and seasoned can read about parenting and how to best deal with kids of all ages. The authors of this blog post their experiences and lessons they have learned.

58. Busy Mom Blog Read this blog from an on the go mom. She has opinions and advice on all aspects of parenting from disposable diapers to college tuition.

59. Momtrends Receive tips for living well and making the most out of parenthood. There are also profiles of inspiring mom entrepreneurs, regular features on cooking and fashion trends, and tons of great giveaways and reviews.

60. Strong Girls Parenting tips, strategies and inspiration from award winning scholar, author, and parenting expert, Dr. Janet Rose. She specializes in helping parents raise happy, healthy, independent, and successful daughters.

61. The Confident Mom This entrepreneur mom specializes in helping busy moms gain clarity and control in their lives so that they can positively impact their children and re-discover themselves. Her goal is to empower moms and help them strenghthen their families.

62. MamaBlogga Dedicated to helping mothers find encouragement, empowerment and fulfillment in motherhood. Her goal is to change the world’s perspective on motherhood one mom at a time.

63. MotherLoad This blog offers parental advice, as well as helpful links to various resources. Amy Clark, the founder of MomAdvice.com is the author.

64. About Babies and Toddlers Stephanie Brown updates this blog about babies and toddlers. She spent four years at iVillage Parenting (formerly ParentsPlace.com) and was a pioneer in the field of online communities.

65. Graco Blog This is the official parenting blog of Graco, the popular baby brand. Here, Graco offers both parenting advice and updates on the company.

66. Cool Mom Picks Find great product recommendations for all your parenting needs on this site. They have reviews on all the major products used by mom’s today all over the world.

67. Mighty Girl Maggie Mason is the mighty mom behind this popular blog. She is also the proprietor of a company called Mighty Goods.

Quick Recipes

Spending too much time in the kitchen is just not possible with your busy schedule. With these quick recipes, you can still cook a healthy meal and have time to sit down and enjoy it with your family.

68. Busy Mom Recipes A busy mom and business writer specializing in start-up ventures posts easy and tasty recipes that can lead to discovering ways to effectively manage my time, business, household, and personal life.

69. Meal Makeover Moms’ Blog As two of the nation’s top experts on family nutrition, these bloggers are helping p busy families eat better. Knowing the daily challenges busy moms’ face when mealtime rolls around, their recipes are all mom tested and kid approved.

70. Real Mom Kitchen Make fast and yummy dinners from this bloggers recipes for real moms. Her mealtime tips are realistic and practical and simple enough for the novelist cook.

71. Ordering Disorder This blog is all about making your everyday life run more smoothly in small specific ways. There are post for hassle free and nutritious recipes, tips for preparing lunches, and organizing.

72. Recipe Dose.com Blog Here you will find hundreds of tasty as well as healthy cooking recipes that you can try easily at home. Her pages are frequently updated with multiple recipes that can be prepared anywhere by anyone.

73. The Menu Mom Make healthy and fun food for your kids with some help from the menu mom. Her recipes cater to busy moms on the go.

74. Good & Cheap Eats Growing your business can sometimes make it hard on your budget. With these recipes, you can cook good food for your kids and still without breaking the bank.

75. Dalai Mama Dishes Brought to you by Disney Family.com, Catherine Newman is a real mom cooking everyday recipes with her kids. She’s on a quest to serve non-processed food that kids will eat and enjoy.

76. food.baby Get delicious recipes from this 31 year old business owner, wannabe domestic goddess and mom of one. Along with recipes, she has some funny tales to tell about life as mom and entrepreneur.

77. Mom’s Cooking Club Read this blog from an at home cook who loves to make appetizing meals for her family. She is always trying new recipes to add variety and keep everyone’s taste buds happy.

78. Simple Daily Recipes This blog serves up real food for busy families. All the recipes on this blog have less than 5 ingredients and take no more than 45 minutes to prepare and cook.

Beauty, Fashion, and Shopping

Just because you’re a mom does not mean that letting yourself go is an option. You also have an image to uphold for your business so make sure to browse these blogs for beauty and fashion advice, as well as some great shopping deals.

79. A Girl’s Gotta Spa The focus of this blog is to provide relevant and easy to understand beauty product reviews to busy women around the world. This mom of four boys gives her opinions with a dose of honesty, integrity and humor.

80. Classy Mommy An essential site for moms that features fabulous products that can be easily accessed in one of the largest catalogs of independent baby product reviews on the Web. This blog has over 1400 product reviews, great giveaways for readers, and lively videos.

81. Cool Mom Picks These two moms like to review non-mainstream products and services, particularly those from indie or emerging designers and mom and women-run companies. They believe you can be true to your design and still support an entrepreneur, especially one trying to support her family through her work.

82. One Chic Mama One of the original beauty and style blog created just for moms. Get some help from this mom and professional stylist.

83. MomFinds.com Whether you’re a shopping fanatic or frumpy fashionista, this blog will get you interested in looking and feeling good for you and your family. Stay on top of the latest finds for hip parents and their kids.

84. 15 Minute Beauty Fanatic Although she is not a mom, this entrepreneur has some great ideas and products that can make your routine easier and faster each morning.

85. Mom’s Favorite Stuff An ideal way to start your web research on products for babies, kids and moms.  Be in the know on fun finds and get reviews on various family friendly products like children’s clothes and shoes, kids’ DVDs, music CDs, books, and toys.

86. Frugal Fashionista Learn not only what to wear, but how to wear it for less on this blog. There are regularly updated posts with celebrity looks on the cheap side , sales tips, and the latest trends. A go to source for stylish moms’ on a budget.

87. Things Mommies Love This blogs about everything a mother could use or may want to know. There are also giveaways of products that mother’s can use on or with their kids such as games, foods, and clothing.

88. A Mom in Red High Heels A wonderful blog that educates moms on how to look great and feel fabulous. She gives great advice and beauty tips that will allow you to make some time for yourself and be the number one priority for a change.

Helpful Resources

Here are some great resources for moms and well as entrepreneurs.

89. WorkHappy.net This blog lives up to its subtitle of “killer resources for entrepreneurs”. By furnishing links and reviews of applications and other resources, you will be able to work more efficiently.

90. Minutes for Mom.com Provides an essential, go-to site for moms that entertains and informs, while still promoting the online community of mom entrepreneurs.

91. i know a mom A creative online resource that is here to bring you the best of the best from women in business. All of these posts have been inspired by the beauties of motherhood.

92. The Goods: Quick Hits Devoted exclusively to products and services for small business owners. They do review the new netbook or the must have smartphone, but will also examine the smaller services, not so well known software, and web-based tools that can help your businesses succeed.

93. The Techy Mom’s Blog Trying to be a mom and keep up with the latest technology may seem impossible. On this blog you can learn something new and find current technology news, guides, tutorials, and much more.

94. Online Entrepreneurial Tools & Tips A site dedicated to helping entrepreneurs hone in on their skills by using the newest online tools. Listen as other bloggers share their own experiences to helps entrepreneurs improve their businesses.

95. The Mogul Mom Written by a mother of three business and children, this blog lists a number of wonderful resources for mom entrepreneurs as well as coaching and advice on any topic you can think of.

96. Everyday Entrepreneurship A practical resource for growing and managing your business. Each blog post is dedicated to educating and informing you about entrepreneurial issues in an effort to ensure your success as a business owner and manager.

97. Entrepreneur’s Tips Your all in one resource for news and events affecting today’s small business owners and entrepreneurs. Get insight from experts as well as tips on areas of interest like promotion, the Internet and more.

98. Mom Made That The hip place to show, shop and support mom businesses and blogs! It provides an exciting way to showcasing their products, ideas, and services.

99. The Internet Entrepreneur Resources Blog Keeps you abreast of additions and changes that effect small business and entrepreneurs. You can receive free resources, business ideas, marketing tools, and more.

100. Club E Here you’ll find blogs by everyone from the aged entrepreneur to the young amateur. There are vast resources to help you network, learn and share your experiences.

Mom entrepreneurs truly are unique individuals. When they’re not working, they’re thinking about work. When they are working they’re thinking about their kids. It’s a very fulfilling life, and each woman accomplishes it in her own way. Our hope is that by providing you with the above blogs, you can make take inventory of what needs to be accomplished during your workday and find time for what matters most in life.

I know the value of good health, because I’ve seen and experienced my share of sickness and suffering. I also know that good health is a combination of an active lifestyle, sensible eating habits, good genes, a regular amount of mild to moderate exercise, and a whole lot of mental peace. In fact, the last factor is sometimes the most important aspect of physical health – our soul needs to be healthy in order for our bodies to follow suit.

A favorite uncle passed away due to a massive coronary – his death was sudden and instant – a few years ago. He was a confirmed vegetarian; he practiced yoga religiously, he was slim and fit, and he went on long treks regularly. But he still died of heart failure. The reason turned out to be the intense stress he was undergoing at the time because his brother had been caught embezzling funds from his company and was in danger of being indicted and incarcerated for fraud.

This only goes to show that no amount of eating healthy food and exercising is enough for good health if you are not happy and constantly worried about something or the other. To be fair, regular exercise does help elevate your mood through the natural release of endorphins, but if the stress that you face is much greater than the sum total of your exercise and healthy diet, then you’re at risk for diseases like diabetes, cholesterol and hypertension.

The only way to beat stress is to try and avoid it in the first place, and to do this, you need to be able to compartmentalize the different aspects of your life and keep them separate from each other. This means that you must leave the office at the office and not bring it home with you, literally or otherwise. Problems at work should stay there and not be carried over to your family. Similarly, personal relationships and family pressures should not affect the way you perform on a professional basis.

Easier said than done though, because we are only human and tend to be ruled by emotions. But when it becomes a matter of importance like health, we must strive to minimize stress from our lives, because if we don’t, it could end up being the most potent killer there is.

It was William Congreve who said rightly that music has charms to soothe the savage beast, and now, we’re also discovering that it has the potential to calm frayed nerves, in no less a situation than the OR. When we think of music and surgery in the same breath, the following thoughts come to mind:

• More and more surgeons are getting used to the idea that music during a surgery is conducive to not just the optimal mental state of the surgeon, but also has beneficial effects on the patient undergoing the surgery.

• Studies claim that patients who listen to music before their surgeries, need less sedation because their minds are relaxed.

• The music must be soft and only in the background. It should serve to soothe, not irritate the senses.

• Some people, doctors included, feel that music, the kind that stimulates, facilitates organized thought. Your mind is primed to think better when it listens to certain types of music.

• Doctors who enjoyed music while they were students and were able to study with music in the background or with their iPods fixed to their ears are the ones who are most likely to want music playing while they perform surgeries.

• Finally, what’s most important is not whether music is being played or not; it’s the kind of music and the preference of the person who is paramount to the surgery that counts, because one man’s meat is another’s poison. So if the lead surgeon, the most important man in the team is irritated by the music, then it serves no healing purpose and is more of a hindrance than help.

The question that now comes to mind is whether you, if you were the patient being operated on, would want your surgeon and their team to be listening to music during the surgery. I’m sure most of us would balk at the thought that the doctors were “relaxing” rather than working on fixing what’s wrong with you “seriously”. But, truth is, surgeons, especially those who are very skilled, are used to going about surgeries as a matter of routine. You’d typically find them joking around with each other, each member of the team focused on the task at hand and ribbing their colleagues simultaneously.

This is how it is with music too – your surgeon uses it as a tool to relax and calm their nerves. And this is what matters in the end – that your surgeon be as comfortable and at ease as possible so that your surgery is a roaring success.