Privacy Policy

Information Collection

For each registered user, we collect the consumer's screen name, e-mail address, IP address, country of residence, street address, and zip code. The information we collect is used to customize the content and/or layout of our page for each individual visitor and used by us to contact users regarding their account. This information is not shared with other organizations for commercial purposes without user consent. Unregistered users may use the portions of the PayPath site that do not require registration. The IP addresses of these users are stored.


In addition to personal information—as noted above—we may also collect information that is in no way personally identifiable. This may include your operating system, your internet browser, the domain name of your Internet service provider, and the web sites you visit directly before and after your visit to PayPath.com.


Online Ad Serving. PayPath and some of our advertisers use third-party advertising service companies to serve advertisements when you visit our sites. Often, these third-party advertising companies employ cookie, pixel tag and other technologies to measure the effectiveness of Web and e-mail advertisement and to create a record of interaction with our site content that they use in conjunction with their advertising which appears on other sites, or for reporting web site traffic, statistics, advertisement data and/or other activities on our sites. We will also engage third party providers to assist with the segmentation of this data. The specific providers we use are subject to change. As of the date of the posting of this policy, some of the current providers include DoubleClick and Google Analytics (for information about how to opt out of tracking methods for these entities and others click here).

How does PayPath use my collected information?

In order for PayPath to maintain and operate a site that is free of charge and does not require user registration, we display advertisements on our web site. The information you provide us is also used to help our advertisers target the specific audience they're trying to reach. Only PayPath.com, however, will have access to your personally identifiable information, and you will never be contacted by any party other than PayPath.com. The only exceptions to the foregoing are that we may disclose personally identifiable information (i) in response to legal process, for example, in response to a court order or subpoena, (ii) in response to a law enforcement agency's request, or where we believe it is necessary to investigate, prevent, or take actions regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of another person, violations of our terms of use, or as otherwise required by law, or (iii) in the event we are acquired by or merged with another company.

Other Information: Ad Serving and PayPath.

At times we display ads on our PayPath.com. When you visit PayPath or view ads that we serve off of our network elsewhere on the Internet, you may see multiple kinds of ads, such as text ads next to search results and graphical ads shown on web pages. Sometimes these ads are based on the content of the page on which they appear. Other times these ads are generated by matching the ad to your interests as inferred from your browsing activities collected online. Either way, Paypath tries to show you relevant ads, and to do so, we may use information we know or receive about you like your gender, location or interests.
Cookies

PayPath and third-party vendors use cookies to store visitors preferences, record session information, record user-specific information on what pages users access or visit, alert visitors to new areas that we think might be of interest to them when they return to our site, customize web page content based on visitors' browser type or other information that the visitor sends. If you would prefer that we not collect anonymous data that may be used to help determine which advertisements to serve you, opt out by clicking this icon AdChoices

Editorial Policy

The content of PayPath's emails is chosen completely at the discretion of the PayPath Editorial Team. No one can pay to change the opinions written in a PayPath email. Selling our editorial content would destroy the legitimacy, integrity, and fun of PayPath emails and would ruin the trust between PayPath and its users. On occasion we will send out "sponsored" emails on behalf of our advertisers, artists, or other music related enterprises that have something special to offer the PayPath community, these emails will be marked as sponsored.

Accessing and Changing Your Account Information

Registered users can review the personal information they provided to PayPath and make any desired changes to the information at any time by logging in to their account and editing the information on the account settings page. They can also close their account by contacting PayPath through the contact us page. Users may export their reviews and ratings data at any time using the tools provided by PayPath.

Email Opt Out

Registered users who have elected to receive PayPath email can choose to opt-out at any time by clicking on the "Unsubscribe" link at the bottom of any email. Users can also opt out from PayPath's email from the account section on the user's PayPath page. Further questions or comments regarding privacy can be directed to privacy@paypath.com

Security

We have put in place appropriate physical, electronic and managerial procedures to safeguard and help prevent unauthorized access, maintain data security and correctly use the information we collect.

Changes to the Privacy Policy

This Privacy Policy can change at any time and changes are effective upon posting. Please check back frequently for updates as it is your sole responsibility to be aware of changes. We do not provide notices of changes in any manner other than by posting the changes on this page.

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Developing further skills can boost your career at any stage.

Whether you are looking for a new job or trying to grow in your current one, getting a certification can be a great way to improve your skills.

Anyone can put that they are proficient in a computer program on their resume but having a certificate can help you stand out amongst the competition and give credence to the strength of your skills.

But what's the best way to invest in yourself without breaking the bank? Some certification programs can cost hundreds if not thousands of dollars. We are going to walk through six of the best certifications you can get for $100 or less.

Tableau

Tableau's data visualization capabilities are comparable to Domo and Power BI.

Who is it best for: Those who work with analyzing and presenting data.

Cost: $100 for Tableau Desktop Specialist; additional certifications are available for a larger fee.

More companies than ever see themselves as data companies. Being able to understand data and use it to guide decisions at your company is often critical to taking on a leadership role. Not to mention, being able to present the data in a clean, attractive, and compelling way can help get buy-in from others in your organization or clients. That's why Tableau is a great tool to have in your toolbox.

Tableau allows you to create interactive visual analytics dashboards. In layman's terms, you can take data; create graphs, maps, or charts; and then allow end-users to interact with these graphics to better understand the information. It's a fantastic tool allowing non-technical users to gain insights for data-driven decision-making.

Tableau Desktop Specialist certification starts at $100 and has no expiration date. There are many videos on Tableau's site to prepare for your exam as well as Tableau Starter Kits allowing you to play around and learn the different capabilities of the program. Tableau offers a 14-day free trial as well as free license for one year for students.

Additional certifications after Desktop Specialist are Desktop Associate and Desktop Professional. Those working with a Tableau server may also be interested in a separate certification as a Server Associate or Server Professional.

The Federal Reserve sets the guardrails for the federal funds rate, and through that helps control the money supply for the nation.

When you take out a loan for a car, charge something to your credit card, or get a personal line of credit, there is going to be an interest rate that applies to your loan.

A lot of different factors go into what you will be charged, including your own personal credit score. But even those with flawless credit still see a minimum charge that they can't get around. That all goes back to the Federal Funds Rate.

One thing consumers rarely realize is that all of our banks are lending money to each other every night. Banks are legally required to maintain a certain percentage of their deposits in non-interest-bearing accounts at the Federal Reserve to ensure they have enough money to cover any withdrawals that may unexpectedly come up. However, deposits can fluctuate and it's very common for some banks to exceed the requirement on certain days while some fall short. In cases like this, banks actually lend each other money to ensure they meet the minimum balance. It's a bit hard to imagine these multibillion-dollar financial institutions needing to borrow money to tide them over for a bit, but it happens every single night at the Federal Reserve. It's also a nice deal for those with balances above the reserve balance requirement to earn a bit of money with cash that would normally just be sitting there.

The Federal Reserve The Federal Reserve


The exact interest rate the banks will charge each other is a matter of negotiation between them, but the Federal Open Market Committee (FOMC) (the arm of the Federal Reserve that sets monetary policy) meets eight times a year to set a target rate. They evaluate a multitude of economic indicators including unemployment, inflation, and consumer confidence to decide the best rate to keep the country in business. The weighted average of all interest rates across these interbank loans is the effective federal funds rate.

This rate has a huge impact on the economy overall as well as your personal finances. The federal funds rate is essentially the cheapest money available to a bank and that feeds into all of the other loans they make. Banks will add a slight upcharge to the rate set by the Fed to determine what is the lowest interest that they will announce for their most creditworthy customers, also known as the prime rate. If you have a variable interest rate loan (very common with credit cards and some student loans), it's likely that the interest rate you pay is a set percentage on top of that prime rate that your lender is paying. That's why in times of low interest rates (it was set at 0% during the Great Recession), a lot of borrowers should go for fixed interest rate loans that won't increase. However, if the federal funds rate was relatively high (it went up to 20% in the early 1980's), a variable interest rate loan may be a better decision as you would be charged less interest should the rate drop without the need to refinance.

The federal funds rate also has a major impact on your investment portfolio. The stock market reacts very strongly to any changes in interest rates from the Federal Reserve, as a lower rate makes it cheaper for companies to borrow and reinvest while a higher rate may restrict capital and slow short-term growth. If you have a significant portion of your investments in equities, a small change in the federal funds rate can have a large impact on your net worth.

Getty Images/Maria Stavreva

Whether you're leaving a job involuntarily, departing for something new, or just want to prepare for the unknown, it is smart to understand all your options regarding your 401k.

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