Monday, January 24, 2011

how to manage personal finances


LaunchBox Digital, a VC firm specializing in angel, seed, and early stage investments, just wrapped up its third annual 12-week startup mentoring program. Similar to Y Combinator and TechStars, LaunchBox invests seed capital of $20,000 into startup teams and provides them with 12 weeks of education, mentorship, and access to advisers. The following 7 LaunchBox10 companies are graduating from this year’s program and will be going live as part of LaunchBox Demo Day, where the companies will present their businesses to potential investors and strategic partners.


Without further ado, here are the graduates:


CityPockets (Crunchbase profile): Today, we live in the world of the Groupon clone, and thanks to the Google-shunning colossus, “daily deal” websites now litter the Web. These sites have been a big hit among mom and pop shops and small businesses because they can be such an effective way to attract new, local customers. The problem for these merchants, however, has been converting new customers into loyal, repeat visitors. According to LaunchBox, less than 15% of “deal jumpers” return to the same merchant again without another deal offer. On the whole, these merchants struggle to retain the influx of new customers, failing to take the steps to establish that critical, lasting relationship with the consumer.


CityPockets.com is a real-time, self-serve merchant CRM platform that aims to address customer retention issues by allowing merchants to more easily capture user contact info and to offer repeat discounts. In addition, the platform empowers merchants to manage gaps in supply and demand by sending out time-sensitive, limited-quantity offers whenever it makes sense for their businesses. Customers opt-in to follow their favorite merchants via CityPockets’ web and mobile apps.


Businesses interested in being part of the CityPockets Merchant Network can sign up here, and Daily Deal users can sign up at CityPockets.com to access and keep track of all voucher purchases from across popular Daily Deal sites on a single platform, and eventually receive more offers from relevant merchants of their choice.


FiscalPie (Crunchbase profile): FiscalPie breaks down the barrier between personal finance and social networks by providing users with Facebook applications that enable users to compare their finances with others and, in turn, learn how to make more educated financial decisions. One such FiscalPie application, “Retire Where?” shows you which cities you’ll be able to afford in retirement and allows you to compare your it with the future location of your friends.


FiscalPie works to make the myriad sources of financial information on the Web more reflective of your own specific circumstances—while keeping your information private —by creating an anonymous network of people that share similar financial profiles. Until the individual truly becomes part of the conversation, financial information has little significance. FiscalPie is hoping to start that dialog—socially.


HEALTHeME (Crunchbase profile): HEALTHeME delivers treatments that empower those struggling with weight, stress, and mood issues to better manage their health via the web and their mobile phone. The HEALTHeME platform combines clinical treatments and artificial intelligence to create customized behavior modification plans based on users’ lifestyles, health goals, and personality type. HEALTHeME then leverages real-time coaching, social networks and user’s healthcare providers to offer a truly personalized user experience. Would love to see an app for this, too.


Keona Health (Crunchbase profile): Keona Health is a company that optimizes admissions for primary care providers, increasing both productivity and cost savings. Keona’s Patient Decision Support system empowers patients with instant, personalized advice that aims to resolve up to 10% of patient cases at home. Triage nurses review each case, but with the goal of being 5 times faster and with more comprehensive safety checks than before. As a result of the greater emphasis on in-home consultation, when patients need to travel into the office to see a doctor, they should find reduced delays and wait times.


Keona has partnered with UNC and Duke to develop a decision engine that has already analyzed over 1,000 real medical records, and UNC Campus Health Services is acting as Keona’s first beta customer. During 2011, Keona Health plans to expand to several additional universities.


Leaguescape (Crunchbase profile): Leaguescape is a new platform for fantasy sports that combines social gaming and betting and allows you to collect all your fantasy sports leagues in one place. Like the Pokerstars or Full Tilt Poker of fantasy sports, Leaguescape allows fantasy sports enthusiasts to manage and bet on their season leagues and get their daily fix of fantasy sports with a variety of game offerings that enable users to draft, watch, and win on a daily basis.


Drawing on the online poker model, Leaguescape provides all things a fantasy sports bettor could need, including a variety of gaming types, rewards, and promotions.


Slipstream (Crunchbase profile): The likelihood is that your Twitter stream is an unfavorable mix of a few things you care about and a lot you don’t. You don’t want to miss out on important news and events, but you don’t have time to read everything. Slipstream wants to rid your stream of irrelevant Tweets.


Today, Slipstream launched its third prototype, a Chrome extension that lets you hide tweets on Twitter.com. It works seamlessly to help you get rid of things like Foursquare checkins, paper.li mentions, or when people you’re following start live-tweeting events. Gonezo. Simply click the “Hide” link that Slipstream adds to the end of every tweet and begin filtering your stream. It’s that easy.


Spring Metrics (Crunchbase profile): Spring Metrics helps you grow your online business by providing a deeper understanding of your customers and how they interact with your website. Spring Metrics seeks to make complex web analytics more friendly and digestible for marketers and e-commerce professionals who don’t want to wrestle with the complexity of traditional analytics products.


With an easy-to-use interface that requires no coding knowledge, Spring Metrics eliminates the hassle of creating conversion funnels and goals. The company’s real-time dashboard offers an array of conversion-oriented metrics, and the “Insight Engine” unearths actionable patterns in the data—patterns aimed at helping turn more visitors into paying customers.



LaunchBox Digital, a VC firm specializing in angel, seed, and early stage investments, just wrapped up its third annual 12-week startup mentoring program. Similar to Y Combinator and TechStars, LaunchBox invests seed capital of $20,000 into startup teams and provides them with 12 weeks of education, mentorship, and access to advisers. The following 7 LaunchBox10 companies are graduating from this year’s program and will be going live as part of LaunchBox Demo Day, where the companies will present their businesses to potential investors and strategic partners.


Without further ado, here are the graduates:


CityPockets (Crunchbase profile): Today, we live in the world of the Groupon clone, and thanks to the Google-shunning colossus, “daily deal” websites now litter the Web. These sites have been a big hit among mom and pop shops and small businesses because they can be such an effective way to attract new, local customers. The problem for these merchants, however, has been converting new customers into loyal, repeat visitors. According to LaunchBox, less than 15% of “deal jumpers” return to the same merchant again without another deal offer. On the whole, these merchants struggle to retain the influx of new customers, failing to take the steps to establish that critical, lasting relationship with the consumer.


CityPockets.com is a real-time, self-serve merchant CRM platform that aims to address customer retention issues by allowing merchants to more easily capture user contact info and to offer repeat discounts. In addition, the platform empowers merchants to manage gaps in supply and demand by sending out time-sensitive, limited-quantity offers whenever it makes sense for their businesses. Customers opt-in to follow their favorite merchants via CityPockets’ web and mobile apps.


Businesses interested in being part of the CityPockets Merchant Network can sign up here, and Daily Deal users can sign up at CityPockets.com to access and keep track of all voucher purchases from across popular Daily Deal sites on a single platform, and eventually receive more offers from relevant merchants of their choice.


FiscalPie (Crunchbase profile): FiscalPie breaks down the barrier between personal finance and social networks by providing users with Facebook applications that enable users to compare their finances with others and, in turn, learn how to make more educated financial decisions. One such FiscalPie application, “Retire Where?” shows you which cities you’ll be able to afford in retirement and allows you to compare your it with the future location of your friends.


FiscalPie works to make the myriad sources of financial information on the Web more reflective of your own specific circumstances—while keeping your information private —by creating an anonymous network of people that share similar financial profiles. Until the individual truly becomes part of the conversation, financial information has little significance. FiscalPie is hoping to start that dialog—socially.


HEALTHeME (Crunchbase profile): HEALTHeME delivers treatments that empower those struggling with weight, stress, and mood issues to better manage their health via the web and their mobile phone. The HEALTHeME platform combines clinical treatments and artificial intelligence to create customized behavior modification plans based on users’ lifestyles, health goals, and personality type. HEALTHeME then leverages real-time coaching, social networks and user’s healthcare providers to offer a truly personalized user experience. Would love to see an app for this, too.


Keona Health (Crunchbase profile): Keona Health is a company that optimizes admissions for primary care providers, increasing both productivity and cost savings. Keona’s Patient Decision Support system empowers patients with instant, personalized advice that aims to resolve up to 10% of patient cases at home. Triage nurses review each case, but with the goal of being 5 times faster and with more comprehensive safety checks than before. As a result of the greater emphasis on in-home consultation, when patients need to travel into the office to see a doctor, they should find reduced delays and wait times.


Keona has partnered with UNC and Duke to develop a decision engine that has already analyzed over 1,000 real medical records, and UNC Campus Health Services is acting as Keona’s first beta customer. During 2011, Keona Health plans to expand to several additional universities.


Leaguescape (Crunchbase profile): Leaguescape is a new platform for fantasy sports that combines social gaming and betting and allows you to collect all your fantasy sports leagues in one place. Like the Pokerstars or Full Tilt Poker of fantasy sports, Leaguescape allows fantasy sports enthusiasts to manage and bet on their season leagues and get their daily fix of fantasy sports with a variety of game offerings that enable users to draft, watch, and win on a daily basis.


Drawing on the online poker model, Leaguescape provides all things a fantasy sports bettor could need, including a variety of gaming types, rewards, and promotions.


Slipstream (Crunchbase profile): The likelihood is that your Twitter stream is an unfavorable mix of a few things you care about and a lot you don’t. You don’t want to miss out on important news and events, but you don’t have time to read everything. Slipstream wants to rid your stream of irrelevant Tweets.


Today, Slipstream launched its third prototype, a Chrome extension that lets you hide tweets on Twitter.com. It works seamlessly to help you get rid of things like Foursquare checkins, paper.li mentions, or when people you’re following start live-tweeting events. Gonezo. Simply click the “Hide” link that Slipstream adds to the end of every tweet and begin filtering your stream. It’s that easy.


Spring Metrics (Crunchbase profile): Spring Metrics helps you grow your online business by providing a deeper understanding of your customers and how they interact with your website. Spring Metrics seeks to make complex web analytics more friendly and digestible for marketers and e-commerce professionals who don’t want to wrestle with the complexity of traditional analytics products.


With an easy-to-use interface that requires no coding knowledge, Spring Metrics eliminates the hassle of creating conversion funnels and goals. The company’s real-time dashboard offers an array of conversion-oriented metrics, and the “Insight Engine” unearths actionable patterns in the data—patterns aimed at helping turn more visitors into paying customers.



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Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...


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Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...


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Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...


bench craft company reviews bench craft company reviews

Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...


bench craft company reviews bench craft company reviews

Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...


bench craft company reviews bench craft company reviews

Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...


bench craft company reviews bench craft company reviews

Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...


bench craft company reviews bench craft company reviews

Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...


bench craft company reviews bench craft company reviews

Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...


bench craft company reviews bench craft company reviews

Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...


bench craft company reviews bench craft company reviews

Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...


bench craft company reviews bench craft company reviews

Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...


bench craft company reviews bench craft company reviews

Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...


bench craft company reviews bench craft company reviews

Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...

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