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$1 and a Starbucks Dream + Top 10 Companies to Work for in 2018

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Last month, two men (who are black) went to a Starbucks in Philly for a business meeting. While waiting for another person, one of them asked to use the bathroom. The manager  (who’s white) said it was for paying customers only and asked them to leave. They didn’t so she called the police, and the two men were arrested. This sparked backlash against both Starbucks and the police. Now we have learned that the two men have settled with the company for an undisclosed amount and with the city for $1. They’ve also worked in an offer from Starbucks to pay for a college degree program, and the city will create a $200,000 fund to help young entrepreneurs. The men came up with the idea as a way to create “true change over time.” When the video went viral, this was a big deal in the headlines, but the way Starbucks has handled it is commendable. They set a good example for how you should handle crisis or mistakes within your company. They have even implemented a diversity training program for its employees.

Companies that take swift action when things go wrong are companies that make it easy to work for. If you’re fresh out of college or just looking to transition professionally, you might want to know about the Top 10 companies to work for in 2018. According to GlassDoor, the following are places you may find fun and financially gratifying. See who they are and what they say about themselves below.

  1. Founded in 2004, Facebook’s mission is to give people the power to build community and bring the world closer together. People use Facebook to stay connected with friends and family, to discover what’s going on in the world, and to share and express what matters to them.

 

  1. Bain & Company. Bain & Company is one of the world’s leading management consulting firms. We work with top executives to help them make better decisions, convert those decisions into actions and deliver the sustainable success they desire. For more than 40 years, we’ve been passionate about achieving better results for our clients—results that go beyond financial and are uniquely tailored, pragmatic, holistic and enduring.

 

  1. Boston Consulting Group. Our mission is clear. We go deep to unlock insight and have the courage to act. We bring the right people together to challenge established thinking and drive transformation. We work with our clients to build the capabilities that enable organizations to achieve sustainable advantage. We are shaping the future. Together.

 

  1. In-N-Out Burger. In 1948, the first In-N-Out Burger was founded by Harry and Esther Snyder in Baldwin Park. In that era, it was common to see carhops serving customers in their Harry had the unique idea of a drive-thru hamburger stand where customers could order through a two-way speaker box. His idea caught on, and California’s first drive-thru hamburger stand was born. In-N-Out Burger has been serving the highest quality burgers, fries and shakes ever since.

 

  1. “Organize the world’s information and make it universally accessible and useful.” Since the beginning, our goal has been to develop services that significantly improve the lives of as many people as possible. Not just for some. For everyone.

 

  1. We were born from a love of daily sweat, the desire to innovate technical athletic gear and the appetite to build a community where we can live our best life. Get the low-down on our ever-evolving journey. Our manifesto is one way we share our culture with the community. It’s an evolving collection of bold thoughts that allow for some real conversations to take place. Our love for yoga runs deep; it rejuvenates our body, calms our mind, and it’s at the very core of who we are. Learn about the different types of yoga, what to wear and find complimentary classes in a store near you.

 

  1. In 2004, we met as graduate students at MIT. While Brian was helping venture-backed startups with their go-to-market strategy, we started to notice something curious: Customers had gotten really good at blocking out interruptive marketing and sales tactics. The tried and true tactics of old (direct mail, email blasts, cold calls) simply weren’t effective anymore. So, after many meetings, even more coffee, and the occasional Belgian beer (a shared favorite of ours) we came to the simple observation: People don’t want to be interrupted by marketers or harassed by salespeople. They want to be helped. It was time to make the marketing and sales process human. Time to treat buyers like people, not numbers on a spreadsheet. Time to build an inbound community and help people achieve their business goals in a more personable, empathetic way.

We called it, HubSpot.

  1. World Wide Technology. Technology can do more than keep your everyday business running smoothly. It can drive your success. At World Wide Technology (WWT), we use a proven and innovative approach to help large public and private organizations discover, evaluate, architect and implement advanced technology. Founded in 1990, WWT has grown from a small product reseller into a technology solution provider with $10.4 billion in annual revenue and more than 4,600 employees. We serve the technology needs of large public and private organizations around the globe, including many of the world’s best-known brands.

 

  1. Jude Children’s Research Hospital. St. Jude is leading the way the world understands, treats and defeats childhood cancer and other life-threatening diseases. The mission of St. Jude Children’s Research Hospital is to advance cures, and means of prevention, for pediatric catastrophic diseases through research and treatment. Consistent with the vision of our founder Danny Thomas, no child is denied treatment based on race, religion or a family’s ability to pay.

 

  1. Ultimate Software. At Ultimate Software, we have always put our people first. This idea permeates our culture to its core. For over 25 years, it has driven us to create the innovative products and services we offer today. As a result, we enable our customers to put their people first—helping them build the people-centric environments they need to grow and meet their business goals. We believe software should work for people. Not the other way around. Customers choose us for our sophisticated people management technology delivered in the cloud. But we know that it’s the results—how well we improve the personal work experience for you and your employees—that matter most.

Ash Exantus aka Ash Cash is a speaker, bestselling author, personal finance expert, and business consultant. Ash has established himself as a thought leader and trusted voice with Corporate America, Colleges, Churches, and Community based organizations. He is the Head of Financial Education at BankMobile and Editor-in-Chief at Paradigm Money.

The Daily Digm (News)

Connecting Aretha Franklin Tribute to Madonna + How to Connect Your Credit to Your Future

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R&B singer Aretha Franklin, passed away on August 16, 2018 after a battle with pancreatic cancer. Yesterday during the MTV Video Music Awards, Madonna was attempting to give the Queen of Soul a tribute but instead gave us a story about her life and tried to connect it to Aretha.  Madonna opened the segment by saying Aretha had “changed the course” of her life and told a story of when she was an up and coming singer and dancer she sang Franklin’s “(You Make Me Feel Like) A Natural Woman” acapella during an audition that didn’t go too well.

Most of the tribute was Madonna talking about her early life and career. She talks about her rough upbringing in Detroit, where she said she was often mistaken for a “prostitute.” She did eventually get back on track to say that “Long live the queen.”

“So, you are probably all wondering why I am telling you this story. There is a connection,” she said.

“Because none of this would have happened, could have happened, without our lady of soul. She led me to where I am today,” she continued.

“And I know she influenced so many people in this house tonight, in this room tonight. And I want to thank you, Aretha, for empowering all of us. R-e-s-p-e-c-t. Long live the queen.”

Since then she has been getting a lot of flack about her self-centered tribute, but in trying to defend her self, she went on social media to say, “I was asked to present the video of the year by MTV! And then they asked me to share any anecdotes I had in my career connected to Aretha Franklin,” Madonna wrote on Instagram.

“I shared a part of my journey and thanked Aretha for inspiring me along the way. I did not intend to do a tribute to her! That would be impossible in 2 minutes with all the noise and tinsel of an award show. I could never do her justice in this context or environment.”

If you look deep into her story, it is easy to see the connection, but I can understand how people wanted an Aretha Franklin tribute to be more about Aretha Franklin. Madonna concluded her Instagram post by saying that most people “have short attention spans, and are so quick to judge.” Similar to your credit score, credit report, credit reporting agencies, and creditors, they are definitely quick to judge as well. One false move and they will turn on you for the worst. So how can connect your credit to your future so that you stay in the good graces of those who matter?

Because credit can be a curse when you don’t understand it, it is essential that you plan for your future set some boundaries for yourself for a better, more solid financial future. Preparing for your future can look like a lot of things and should involve many different aspects, like living within your means, coming up with a list of financial objectives that you want to accomplish, knowing  what you want to use credit for in the future, learning how to build and maintain your credit and how you will set guidelines for yourself to avoid making common credit and financial mistakes. Learning these things will allow the credit bureaus to put some R-E-S-P-E-C-T on your name and give you the right connection needed for your credit history.

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Your Credit Score May Be on the Rise + Why This May Be Good News for Your Insurance Premiums

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Effective immediately many Americans… Well, actually millions of Americans have begun to see their credit scores bump up after the credit reporting agencies began stripping out some non-loan collections accounts and other negative credit information from people’s credit reports. This is because of settlements made with state attorneys general dating back to 2015. The negative credit information removed is mainly medical-debt collections that have been paid by an insurance company, inaccurate information or accounts that failed to reflect repayment efforts. It is said that one collection account is worth 11 points once removed.

So how will this jump affect your Insurance premium? When dealing with insurance, there are a lot of factors that determine just how much your premiums are. Anything from your gender and age, to your driving record or criminal record. But there is your credit score is another factor that a lot of people might not know about. Your credit score can play a huge role in determining just how much you have to pay for insurance.

Insurance Rates based on your credit is not a very well known fact, but it has become one of the norms in recent years. Insurance companies will now look at your credit history, and if you have bad credit, you can expect to pay much higher premiums.

Many people will argue that your credit score has nothing to do with whether or not you will file a claim on your insurance policy but the insurance companies beg to differ. Regardless of how you feel, the policy is here to stay. That means you should be aware of your credit score when attempting to get insurance. If you have a bad credit score, you should make plans for paying higher premiums.

Keep in mind that insurance companies will look at various things, such as pending bills, loans, bankruptcy and more when determining your premium. But here’s the bright side to this. A lot of people who are sick of having to pay high premiums are taking better care of their finances in an attempt to raise their credit score so that they do not have to pay as much. So in some twisted way, it can be a bit beneficial since it gives more incentive to be more careful with your money.

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A Global Attack on ATM’s Seems Imminent + How to Protect Yourself From a Credit Card Fraud Attack

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BREAKING NEWS: According to a cybersecurity expert, The U.S. government has told banks that cybercriminals are preparing to carry out a global attack on ATMs. The FBI issued this warning of an “ATM cash-out” hack that would allow the criminals to withdraw large sums of money using stolen information. Something similar happened to a Virginia bank over eight months in 2016 and 2017 where hackers stole a reported $2.4 million.

Technology has become the gift, and the curse and when it comes to your debit card people are always trying to figure out how to defraud you. Credit card fraud has become a major problem in modern society as well. It continues to get worst, so it’s important we protect ourselves. The following are precautions you can take to prevent fraud:

Keep Your Actual Card In a Safe Place

In order to thwart credit card thieves, you should have your credit cards always with you in your possession or locked up in a safe place where no one has access. Some people like to keep credit cards in their car for emergency reasons, but that is a bad idea unless its put in an inconspicuous place or enclosed in something that doesn’t make it obvious. Keep in mind that not every card involved in credit card fraud is physically snatched. Some thieves will use only the credit card number and leave the card behind.

Stay Focused

Make sure you are alert with each credit transaction you make and get your card back immediately after it is finished. You do not want anyone to have access to your card without your knowledge where they take a picture of it or writing down the numbers.

Take Caution When Buying Online

Cyberspace has become a breeding ground for credit card fraud. You need to be cautious about the online companies and website that you supply your credit card number with. Make sure you only shop at trusted and reputable brands.

Don’t Fall for E-mail Scams

Do not enter your credit card information into websites that you are linked to through emails. The best thing to do is to avoid giving out your credit card number online at all costs. But if you have to make an online payment, there are several reputable services that will allow you to pay without supplying your credit card information to a third party.

Invest in a Shredder

Some thieves will sink to any level to get access to your credit card information. Many will go through your garbage cans searching for credit card receipts or bill stubs with the complete account numbers on them. These numbers are then used to purchase things over the internet or to create a new credit card using your number and credit information. Any document containing your credit card account number should never be left lying around, and although it seems a bit extreme, you should never throw away sensitive items unless they are completely destroyed.

Check Your Statements and Credit Reports

Lastly, you should check your credit report periodically and add a feature where they will alert you to any unusual activity happening with your credit cards,  like increased balances or new accounts. Also check your statement regularly to make sure you catch unauthorized payments early. If you do find that unauthorized charges have been made to one or more of your credit cards, there are choices to be made and steps to be taken.

First off, you should call your credit card company and let them know that your credit card or credit card number may have been stolen and you want the card canceled. Now, the person who has taken your card cannot make any further purchases. Calling immediately will lessen your chances of having to pay for the charges made to your card and limit the amount of harm that has already been inflicted to your credit.

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