Finance Mentor - The Forbidden Fruit of Finance

How Compound Interest Works in Retirement Planning

admin — Tue, 25 Jun 2024 05:00:00 +0000

Imagine two friends both age 25 who dream of retiring comfortably at 65 Sarah starts investing 300 a month while Tom waits until hes 35 to begin saving the same amount By the time they retire Sarah has over 1 million in her retirement account while Tom has just over 440000 What made the difference The power of compound interest

Savvy Strategies to Reduce Child Care Costs

admin — Thu, 11 Apr 2024 05:00:00 +0000

Working parents who have small kids may spend a lot of money on different cost categories such as diapers food and clothing But undoubtedly child care cost is the most important and biggest expense that working parents need to manage Depending on their neighborhood and the number of kids in early care child care costs can exceed any households average monthly mortgage payments

Student Loan Repayment Tips A Grads Guide to Financial Freedom

admin — Wed, 03 Apr 2024 05:00:00 +0000

Are you finished with your studies and ready to join the workforce Such a moment is indeed worth celebrating Yet for many freshly graduated students the time is marred with financial stress due to pending student loan payments Typically student borrowers take around 20 years to pay off their loan amount entirely But that means that you have to spend a long time paying off student loan dues until you become completely debt-free

Smart Tax Strategies Save Big on Your Taxes

admin — Tue, 19 Mar 2024 05:00:00 +0000

An organized tax filer is always interested in saving more on tax bills than the previous year since it is probably the best way to reduce tax liability So its always a clever initiative to learn some strategies to save money on tax bills Make sure to formulate documentation of your capital gains in advance to handle your tax situation better Once you manage every possible tax deduction opportunity you can use the tax credit to pay off your other financial obligations as well

Ultimate Signs You Should Switch Banks

admin — Wed, 06 Mar 2024 05:00:00 +0000

If you ever think about switching your bank you should ask yourself a few questions first How satisfied are you with your old bank account Did you experience something that you didn’t expect If yes it might be the ideal time to switch your bank But you should consider many factors before switching banks The factors include shifting financial status security preferences banking habits or vivid services etc

How to Deal with Rising DTI Ratio Strategies for American Consumers

admin — Mon, 04 Mar 2024 05:00:00 +0000

With rising inflation and economic uncertainty more Americans find managing their finances challenging One crucial but often overlooked measure of financial health is the debt-to-income DTI ratio The DTI ratio compares how much you owe each month to how much you earn - specifically and it divides your monthly debt payments by your monthly gross income

Credit Rebuild Tips for FirstTime Homebuyers

admin — Fri, 09 Feb 2024 05:00:00 +0000

The current lending industry is based on credit scores Therefore your credit report is the most important piece of document that gives a lot of financial information about you When you dream of buying a house you need to finance it legally and when the question comes to mortgage financing there is a real importance of a good credit score Before you calculate a mortgage amount you can afford

HighInterest Debt Try the Debt Avalanche Method

admin — Wed, 24 Jan 2024 05:00:00 +0000

Dealing with a wide range of high-interest debt from different sources that you are having trouble paying off Making debt payments in an organized way will allow you to have an easier time with it In this context the debt avalanche technique is a great option to pay off debt In this article you will learn more about what this debt repayment method means who it works for and more

How to Manage Divorce Debt Legal and Financial Tips

admin — Tue, 23 Jan 2024 05:00:00 +0000

Divorce is already complicated to begin with and the addition of debt just complicates matters Knowing how the various legal jurisdictions treat debts in divorce cases is important This paper seeks to unravel the dynamics between legal underpinnings and financial moves when one gets a divorce

Secret Money Traps That Can Drain Social Security Payments

admin — Mon, 15 Jan 2024 05:00:00 +0000

The Social Security Administration helps more than 71 million people nationwide including retired persons disabled individuals and kids Many people consider Social Security benefits as one of the prime financial assets apart from their homes The steady monthly income stream provides financial stability to millions of seniors

Financial tips to stay out of debt in

admin — Tue, 09 Jan 2024 05:00:00 +0000

2024 has arrived and it’s time to make fresh financial resolutions If one of your financial resolutions is to stay out of debt in 2024 you have come to the right place Today we will discuss several tips to stay debt-free in 2024

Effective Retirement Planning Strategies for the Wealthy

admin — Wed, 20 Dec 2023 05:00:00 +0000

One may harbor concerns regarding the possibility of financial depletion during retirement or lack of expertise in wealth management strategies that guarantee a consistent income while minimizing tax obligations Although it may appear challenging saving for retirement frequently requires consistency and a long-term perspective on personal finance It is not difficult to have a wonderful retirement

Digital Debt Futures Fintech Global Markets

admin — Mon, 18 Dec 2023 05:00:00 +0000

You have a great business idea You are ready to take the next step But how are you going to fund your venture The world of debt financing is changing fast now Getting funding is now easier Technology has transformed how businesses access capital Today we will explore how technology is impacting debt financing

Credit Without Cards Ways to Boost Your Score

admin — Wed, 29 Nov 2023 05:00:00 +0000

With a traditional credit card you can manage your financial condition better get more rewards and build credit Over time you can expect satisfactory financial freedom However if you do not handle your credit card responsibly you will risk significant credit loss and even fall into major credit card debt

Why Clearing Credit Card Debt is Harder What to Do

admin — Wed, 08 Nov 2023 05:00:00 +0000

Wondering why everyones always talking about credit card debt Its become quite the pickle to pay off! In this article well explore why this problem is growing and arm you with some savvy strategies to wipe out that debt Get set to master your finances!

Examining Unregulated Finance and the Rise of Shadow Banking

admin — Mon, 06 Nov 2023 05:00:00 +0000

The financial market operates within stringent boundaries including strict policies in place Naturally when it comes to transactions lending investing etc one is bound to proceed within the set regulations With shadow banking though this is different It involves a whole network of many institutions engaging in lending and investing practices without the restraints of traditional banking

Tips to achieve financial independence after the loss of your spouse

admin — Fri, 20 Oct 2023 05:00:00 +0000

Losing a spouse is an emotionally overwhelming experience often bringing many financial challenges Achieving financial independence might not be the immediate priority during this difficult time but it is crucial for your long-term security and peace of mind This article will provide valuable tips for achieving financial independence after losing your spouse

California Assembly Bill What Freelancers Should Know

admin — Thu, 12 Oct 2023 05:00:00 +0000

People may notice several changes in state and federal laws every year Some people dont seem affected by these changes while others are affected significantly Even though some of these new laws may not affect all individuals like others many common people may be affected significantly California Assembly Bill 5 is one such bill that affects independent contractors or freelancers

From Debt to Freedom A Complete Guide to Pay Off Debt

admin — Wed, 04 Oct 2023 05:00:00 +0000

Facing overwhelming debt can be a challenging experience and youre certainly not alone in this struggle Millions grapple with the weight of financial obligations from credit cards and student loans to medical bills Its like a looming cloud that affects ones sense of financial security However while it may seem intimidating

Working Moms Side Hustles for a Brighter Financial Future

admin — Fri, 29 Sep 2023 05:00:00 +0000

The modern world presents many challenges and opportunities for working moms Juggling a career parenting and household responsibilities can be demanding Still its also a time when many women explore the side-hustling world It secures a brighter future for their children We will delve into the benefits of side hustles for working moms

Dr. Vivek Murthy

admin — Mon, 02 Nov 2020 14:30:00 +0000

We usually publish Remarkable People on Wednesday mornings, but we wanted to get this interview out before the elections. This episode’s remarkable guest is Dr. Vivek Murthy, the Surgeon General during the Obama administration.

Vivek has an undergraduate degree from Harvard, an MD from Yale, and an MBA from Yale. His residency was at Harvard Medical School. He started Doctors for America, a group of 15,000 doctors and medical students supporting high-quality, affordable care. He also started a company called TrialNetworks to increase the efficiency of clinical trials.

President Barak Obama appointed him Surgeon General in 2013. While in this position, he issued the first Surgeon General’s report on alcohol, drugs, and health and the first Surgeon General’s report on the use of e-cigarettes by young people. He also launched the “Turn the Tide” campaign to address opioid addiction.

In April 2017, Donald Trump fired Dr. Murthy. At that point, Vivek started addressing the medical impact of loneliness and published a book called Together: The Healing Power of Human Connection in a Sometimes Lonely World.

The most important part of this episode is when Vivek discusses what Americans need from their leadership to get this pandemic under control. I don’t expect to change your mind if you’re a loyalist, but if you’re undecided or considering not voting, you should listen to this as if your life depends on it.

Because it does…

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Shea and Syd McGee of Studio McGee and Netflix’s Dream Home Makeover

admin — Wed, 28 Oct 2020 13:30:00 +0000

This episode’s guests, yes plural, are the delightful Syd and Shea McGee. They are the power couple behind Studio McGee and McGee & Co. With a vision that beautiful design can be approachable, Studio McGee has become one of the leading innovators in the interior design industry.

This is the first wife-husband interview on Remarkable People. While they are individually remarkable, together, they are unstoppable.

Their business includes a home design firm as well as a line of carefully curated products. They’ve also designed a line of merchandise sold at Target, co-authored a new book called Make Life Beautiful. And if that’s not enough, they’re starring in a new Netflix series called Dream Home Makeover.

All born from the idea of making life beautiful and blooming into a thriving business in just five years with a foundation on Instagram.

In this episode, you’ll learn about rocking Instagram, working together as a married couple, the grit and determination that’s necessary to make a business successful, and how I should redo the background in my home studio.

There’s even a marriage tip for Instagram couples.

This episode is brought to you by reMarkable, the paper tablet. It’s my favorite way to take notes, sign contracts, and save all the instruction manuals for all the gadgets I buy. Learn more at remarkable.com

I hope you enjoyed this podcast. Would you please consider leaving a short review on Apple Podcasts/iTunes? It takes less than sixty seconds. It really makes a difference in swaying new listeners and upcoming guests. I might read your review on my next episode!

Find Syd and Shea’s book Make Life Beautiful and watch their Netflix show, Dream Home Makeover. And, of course, make sure to follow them on Instagram!

Connect with Guy on social media:

Twitter: twitter.com/guykawasaki

Instagram: instagram.com/guykawasaki

Facebook: facebook.com/guy

LinkedIn: www.linkedin.com/in/guykawasaki/

Read Guy’s books:

Thank you for listening and sharing this episode with your community.

Photo credit: Lucy Call

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Kara Goldin: Founder and CEO of Hint, Author of Undaunted

admin — Wed, 21 Oct 2020 13:30:00 +0000

This episode’s guest is Kara Goldin. She is the founder, CEO, and chief taster of Hint, the lifestyle company that sells bottled water and hand sanitizers

Prior to Hint, she has worked for are AOL, CNN, and Time. And, well, technically, the TeePee restaurant in Arizona. She is a graduate of Arizona State University.

The episode starts with a story about an executive from a large beverage company in Atlanta addressing her as “sweetie” and how that was a pivotal moment in her undaunted quest to start a company that sold bottled water.

Today Hint is over fifteen years old and sales exceed $150 million. It gone from employing Kara and her husband to over employs 200 people.

In this episode we discussed:
???? what it takes to make a cold call
???? get your products into Whole Foods
???? and, in general, how to be undaunted

This episode is brought to you by reMarkable, the paper tablet. It’s my favorite way to take notes, sign contracts, and save all the instruction manuals to all the gadgets I buy. Learn more at remarkable.com

I hope you enjoyed this podcast, would you please consider leaving a short review on Apple Podcasts/iTunes It takes less than sixty seconds, and it really makes a difference in swaying new listeners and upcoming guests. I might read your review on my next episode!

Connect with Guy on social media:
Twitter: twitter.com/guykawasaki
Instagram: instagram.com/guykawasaki
Facebook: facebook.com/guy
LinkedIn: www.linkedin.com/in/guykawasaki/
Read Guy’s books: https://guykawasaki.com/books/

Thank you for listening and sharing this episode with your community.

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Julie Lythcott-Haims: Activist, Writer, Speaker, and Mom

admin — Wed, 09 Sep 2020 13:30:00 +0000

This episode’s remarkable guest is Julie Lythcott-Haims. She is an author, speaker, former educator, and former corporate lawyer.

Julie holds a BA from Stanford, a law degree from Harvard, and an MFA in writing from the California College of the Arts. She ended her legal career to go to work at Stanford and was the Dean of Freshmen and Undergraduate Advising. In other words, she advised first-year students.

She is the author of four books: New York Times Best-selling How to Raise an Adult, Real American: A Memoir, Writing Memoir, and soon to be released Your Turn: How to be an Adult. This is the most passionate and eloquent interview I’ve ever conducted. You’ll hear what I mean shortly.

This episode of Remarkable People is brought to you by reMarkable, the paper tablet.

This was a deep dive interview covering questions like:

Two questions to ask yourself and others regarding racism
How children can do for themselves instead of you being a helicopter parent
Preparing your children to be tougher in the face of difficulties
How non-Blacks can use their privilege to call out racism and micro-aggressions

Question of the week: Do you call out racism when you see it? It takes bravery. Learn more on this week's #remarkablepeople w/ @jlythcotthaims.
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Use the #remarkablepeople hashtag to join the conversation!

Where to subscribe: Apple Podcast | Google Podcasts

Follow Remarkable People Guest, Julie Lythcott-Haims

Make sure to watch Julie’s TED talk How to raise successful kids — without over-parenting It’s already over 5 million views!

Follow Remarkable People Host, Guy Kawasaki

The post Julie Lythcott-Haims: Activist, Writer, Speaker, and Mom appeared first on Guy Kawasaki.

Lisa Leopold: Professor and Linguist

admin — Wed, 02 Sep 2020 13:30:00 +0000

Have you ever wondered if you know how to make a good apology? This episode’s remarkable guest is professor Lisa Leopold, and she will answer your questions about apologies and credibility.

Lisa is an associate professor at the Middlebury Institute of International Studies. She’s also the program coordinator for the Institute’s English for Academic and Professional Purposes Program.

She has an MA in teaching English to speakers of other languages from the University of Illinois at Urbana-Champaign and a BA from St. Olaf College. I first learned about Lisa’s work because of an article she wrote for the website called The Conversation.

This is a site that publishes articles only written by academics and researchers. It is the best source that I have found for credible factual and interesting articles.

I chatted with Lisa about:

What makes a great TED talk
How to pique your audience’s curiosity
Breaking down the elements of a good story
And the science of a good apology

Given how close we are to the election, this episode could not be more timely. We need to know who is credibly speaking. Please share with at least one person who would enjoy this.

Question of the week!

This week’s question is:

Question of the week: What do you think makes a good apology? #remarkablepeople
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Use the #remarkablepeople hashtag to join the conversation!

Where to subscribe: Apple Podcast |

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Scott Galloway: Professor, Author, and Entrepreneur

admin — Wed, 26 Aug 2020 13:30:00 +0000

This episode’s guest is probably the most outspoken person I’ve had on the show so far. His name is Scott Galloway. Scott is a professor of marketing at NYU Stern and the founder of section4. He was also the founder of the eCommerce company Red Envelope and the marketing firm Profit, a previous guest David Aaker is vice chairman of Profit.

I highly recommend his presentation on YouTube called The Algebra of Happiness it, he tells it like it is and tells it like he sees it and explains what makes people happy. Spoiler alert: it is not pursuing your passion. Scott served on the board of directors of Eddie Bauer, the New York Times Company, Gateway Computers, Urban Outfitters, and the Berkeley Haas School of Business.

In this episode, he shreds Facebook and Mark Zuckerberg, the thought that colleges should open back up in the middle of a pandemic, and cluelessness in general.

Tell me? Have you ever heard anyone rip into Facebook and stupid decisions of politicians like Scott Galloway? Clearly he’s not trying to win any popularity contests. And that’s just one factor that makes him such a remarkable person.

He is a data point for all of us to tell it like it is.

Question of the week!

This week’s question is:

Question: What do you think makes people happy?
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Use the #remarkablepeople hashtag to join the conversation!

Where to subscribe: Apple Podcast | Google Podcasts

Follow Remarkable People Host, Scott Galloway

Follow Remarkable People Host, Guy Kawasaki

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Kathryn Finney: Author and Startup Whisperer for Black and Latinx Women

admin — Wed, 19 Aug 2020 11:30:00 +0000

In this episode of Remarkable People, my guest is the remarkable Kathryn Finney. She is an entrepreneur investor, speaker, mentor, author, and pioneer. Kathryn has achieved many firsts. She started one of the first fashion blogs called the Budget Fashionista; MSN called it one of the hundred most useful sites on the web.

She was the first credentialed blogger at New York Fashion Week. She was the first blogger to receive a major book deal. She was the first blogger to appear on the Today Show. She started the first venture capital fund focused on Black and Latin X women founders. The Obama administration appointed her to the National Advisory council on innovation and entrepreneurship, and she was a White House Champion of Change.

Kathryn has received numerous honors and awards, such as the Grace Hopper Social Impact ABIE Award, which recognizes those who have made a positive impact on women, technology, and society. Working Mother’s 50 Most Powerful Mothers, Marie Claire’s 10 Women to Watch, Entrepreneur Magazine‘s Women to Watch, and the Ebony 100 Black Entrepreneurs 40 under 40 lists.

I loved this interview and Kathryn’s message so much that I am sharing my mic with her for the day. Today, Kathryn will be taking over my Linkedin and Twitter accounts to post whatever she wants.

In this episode of Remarkable People with Kathryn Finney we talked about:

Starting the very first fashion blog [before WordPress!]
Creating her blog book tour to her publisher’s horror
How in 2016 that only 11 Black women had raised over a million through venture capital
Growing up in Minnesota and a reflection on their current issues

Question of the week!

This week’s question is:

Question: If you could take over anyone's social media for the day, who would it be? What would you share?
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Use the #remarkablepeople hashtag to join the conversation!

Where to subscribe: Apple Podcast | Google Podcasts

Learn from Remarkable People Guest, Kathryn Finney

Follow Remarkable People Host, Guy Kawasaki

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How to Product Launch Like a Boss

admin — Wed, 12 Aug 2020 13:30:00 +0000

Have you ever wondered how you could pull off a remarkable production introduction?

Usually, the Remarkable People podcast features interviews with remarkable people, such as Jane Goodall, Steve Wozniak, Arianna Huffington, Margaret Atwood, Martha Stewart, Sir Ken Robinson, Chef Roy Yamaguchi, Kristi Yamaguchi, Stephen Wolfram, Gary Vaynerchuk, or iJustine. But every once in a while, I like to change things up and provide a mini keynote about it. The goal for these mini keynotes is to help you become more remarkable as easily and quickly. This episode’s topic is how to launch like a boss.

For some people, life is a bitch. For me, it’s a launch. This episode provides a roadmap to how to launch a product in a way that helps it escape gravity, “cross the chasm,” and “dent the universe.”

I’ve been involved with many, maybe too many product introductions. Of course, the mother of all product introductions was Macintosh January 24th, 1984.

Since then I’ve introduced software, hardware, books, and this podcast. I’d like to pass on some tactical and practical tips for you right now.

How to product launch like a boss

In this episode of Remarkable People with Guy Kawasaki:

How to create a remarkable product launch
How marketing has been turned upside down
Why a person’s title doesn’t matter
Why you need to stop being paranoid

Question of the week!

This week’s question is:

Question: Have you been inspired to purchase from a product launch? What did you buy?
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Use the #remarkablepeople hashtag to join the conversation!

Where to subscribe: Apple Podcast | Google Podcasts

Follow Remarkable People Host, Guy Kawasaki

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Melanie Perkins, Canva

admin — Wed, 05 Aug 2020 13:30:00 +0000

I’m Guy Kawasaki, and this is the Remarkable People podcast. My remarkable guest, Melanie Perkins, has built an enormously successful global company from Sydney, Australia.

To be completely transparent, the company is Canva, and I am Canva’s chief evangelist. In other words, Melanie is my boss.

Be that as it may, she is a remarkable person, and Canva is a remarkable company. People have created over 3 billion designs in Canva since 2013. Approximately 6-7 million designs are created each day in 190 countries. 90,000 schools and universities use it.

Melanie came up with the idea for Canva when she was studying at the University of Western Australia. She was tutoring other students on how to use design programs and realized they were far too complex and expensive. It was then that she realized the future of design was going to be simpler, online and collaborative.

To test out the idea, Melanie and Cliff Obrecht launched FusionBooks, an online design platform for students to create their school yearbooks.

FusionBooks took off in schools across Australia, New Zealand, and France, and soon Melanie was able to prove that her new approach to design was possible and needed.

She then set out to apply the ease of use principles of FusionBooks to a broader audience, and thus Canva was born.

Melanie spent the next several years trying to raise venture capital. She was rejected hundreds of times before she found her first investors. I started working at Canva about six years ago. She found me because my tweets utilized Canva graphics, and the rest is history.

I’m Guy Kawasaki, and this is Remarkable People. And now here is my remarkable boss, Melanie Perkins.

In this episode of Remarkable People with Melanie Perkins:

How Canva got started
How the Canva team bootstrapped the startup for years
How Canva’s freemium model helped build their base
Learn about Canva’s culture and how it’s grown with them

Question of the week!

This week’s question is:

Question: If you could add one new feature to @Canva, what would it be?
Click To Tweet

Use the #remarkablepeople hashtag to join the conversation!

Where to subscribe: Apple Podcast | Google Podcasts

Learn from Remarkable People Guest, Melanie Perkins

Follow Remarkable People Host, Guy Kawasaki

Guy Kawasaki with Melanie Perkins and Cliff Obrecht [Canva co-founder and Chief Operating Officer] at their first meeting in 2014 in Silicon Valley at Guy’s house.

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Sneak Peek: The Art of Innovation and Data-Driven Enterprise

admin — Mon, 03 Aug 2020 12:49:00 +0000

On the Remarkable People podcast, I interview people such as Jane Goodall, Woz, and Stephen Wolfram who have changed the world. Their stories are inspiring, and I hope they encourage you, too.

This post has a different twist – let’s look at why and how you can foster change and the art of innovation in your company by driving your company with data.

Background: data is a good thing

We’ve been talking about being evidence-based, fact-based, and data-based for decades, but if you’re not up to speed with this, you aren’t alone. According to NewVantage Partners’ study, 69% of companies have failed to create a data-driven organization.

There is an avalanche of studies that support the business benefits, including this Forrester report indicates that data-driven companies grow at an average of more than 30 percent annually and are on track to earn $1.8 trillion by 2021.

Forrester did another study that concluded that businesses that rely on data management tools to make decisions are 58% more likely to beat their revenue goals than non-data driven companies.

Being data-driven isn’t only about revenue results. There’s also transparency and fairness. If everyone has access to the data driving decisions, we can establish reasonable data ethics policies that create even playing fields.

Why companies haven’t succeeded at this data-driven change

In my upcoming keynote at SAP’s Data and Analytics Virtual Forum: Data To Outcome, I’ll give you real inspiration and tips so you can get started. That’s the hard part, right? A few sneak peeks:

This isn’t corporate altruism. The culture change, funding, and language start at the top. How do you do that? Attach your initiatives to real business outcomes. (No, “agility” is not a business outcome.) Here’s a highlight from McKinsey on how ShopRunner’s CEO made the change.

For tips on speaking the language of business, securing on-going funding, and getting buy-in from your executives, check out this free Data strategy master class.

In the end, this is a culture change. You need executives to model the right behavior, which requires you to get them analytics without days of manual assembly. You need executives to ask ad hoc questions of their analytics and brainstorm with other board members on innovative solutions. Are you there yet?

To understand what is possible, survey the current technology landscape for data and analytics offerings. Web searches are easy. The hard part is accurately assessing where you are now. Luckily, there are free assessment tools, including SAP’s Next Generation Database & Data Management Assessment, which offers a unique approach to enable best-in-class database & data management processes in support of strategic priorities.
Join SAP’s Data and Analytics Virtual Forum: Data To Outcome and you’ll be able to schedule one-on-one time with industry veterans to discuss how to renovate your data landscape, and even put your hands on some free software trials.

Therefore, what?

Your supply chain is challenged. Your revenue model is under pressure. Your employees are dealing with unprecedented challenges. Do you know what you need to solve all of those problems? Real-time data and data literacy to interpret that data.

All the supply chain optimization, new business models, collaboration models, and new markets require timely and intuitive access to data to drive innovative ideas. It’s a mistake to entrust these ideas to only data geeks.

The goal is to be able to answer a simple question and foster innovation to jump to the next curve. The question is, “Therefore, what?”

Data management is the “therefore” part. It enables you to see what’s happening to your organization, to see what trends are shaping the reality of your customers, and to read the tea leaves to understand what your opportunities.

Then you can take these insights and create the “what.” In other words, what new products, services, and practices will enable you to meet and exceed the needs of your customers and “dent the universe.”

I invite you to tune in to my keynote and the entire event for inspiration, encouragement, practical tips, and advice from other customers. Ask me questions. Ask the other presenters questions. Come away in two days with a plan that will motivate and drive your business.

This post is sponsored by my friends at SAP.

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