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Women in Business Q&A: Jane Hwangbo, Founder of The Money School with Jane



Michael Roud




Jane Hwangbo is Founder of The Money School with Jane (a.k.a., a new online community devoted to teaching the principles of personal finance and money management to a younger generation in an engaging, humorous, and unintimidating manner. She writes blogs to illuminate connections between the public markets (stock and bond exchanges) and real life, and has produced a series of videos to spur visual learners to become more knowledgeable of the choices they are making every day toward their financial future.


Jane began her career as one of the few female semiconductor analysts covering companies for Wall Street, and then moved on to become a portfolio manager for multi-billion dollar hedge funds. She semi-retired from the institutional side of finance to become a mother to two young kids when she was in her early thirties.




How has your life experience made you the leader you are today?


I am an immigrant’s daughter. My parents cobbled together the little money they had to open up a dry- cleaning business in downtown Los Angeles in the 1970’s. They left for work at 6am every day, and I didn’t see them again until it was well after dark. I learned independence and pluck from all of those years with my sister. There was nothing we couldn’t do ourselves, from cleaning the house to applying for college. My family’s entrepreneurial spirit still burns within me today. Another characteristic I learned from being part of a small but burgeoning ethnic community is that at a certain point, you can’t do it all alone, and there is joy in co-creation with others. I’m a big believer in leading by doing. It’s just more fun to do together.




How has your previous employment experience aided your tenure at Money School with Jane?


When I was a portfolio manager on Wall Street for multi-billion dollar hedge funds in my twenties, I learned how to make difficult choices, because outcomes are never certain. When you are doing the analysis to decide to commit hundreds of millions of dollars of capital into a single company’s stock on a daily basis, you notice that there are no such things as perfect set-ups. Big decisions need to be made with imperfect information all the time. Or you’ll miss it. Before making every investment decision, I spent months researching specific companies, flew to Asia to meet with management for weeks at a time, created complex financial models, exhausted hours on the phone with the company’s suppliers and customers, and basically never slept. I did all of this to find the one nugget of information that gave our firm an edge. Still, there was no guarantee in outcome. My mistakes became things I learned from, but never grieved over. As the founder of a brand new online school for young people who want to engage with their finances, I’m required to make decisions with imperfect information all the time, and my experience on Wall Street has equipped me to face the uncertainty with humor and grace.



What have the highlights and challenges been during your tenure at Money School with Jane?


The Money School is a very new concept. We’re creating a safe place where young people are encouraged to learn how to incorporate the principles of finance into their daily lives so that they can realize a stronger future. Personal finance used to be a subject that was taught at public middle schools and high schools, but generations of budget cuts have changed that. Many young people today are relatively oblivious to money management as being such an important determinant of their future mental and emotional wellness. We want to equip individuals with the skills necessary to be able to dictate their own life course. Because the concept of a Money School is so new, our team often wrestles with the fact that we’re a mostly analytical bunch trying to make super creative stuff! And we often don’t know what we don’t know. This has been our greatest challenge. However, I almost died of pride when I saw the finished cuts of our first online video classes. Our team had written our first scripts, gone through two long days of shooting on location, hired a fantastic production crew of twenty people and a group of talented actors, and edited forty minutes of material, all within two months. What a highlight!




What advice can you offer to women who want a career in your industry?


Learn what you can, and pass it on. Whatever deficiencies you feel while rising through the ranks, take note of them. Perhaps you’ll notice that there are too few support systems for women in finance, especially during the child-bearing years, or that your boss doesn’t have the faintest idea of what it means to be a mother to young kids and consistently achieve the results required in your position. Create a work environment that is different when you have the power to dictate expectations, and remember the strength of empathy – everyone is human, even in our data-driven industry. You will change the industry of finance.




What is the most important lesson you’ve learned in your career to date?


Defining my success against other people’s ideas of what success should look like in my field at any given point in time was an illusory game for me. When I was a kid, I was supposed to grow up to be an obedient wife, according to ethnic and cultural tradition, and learn to sew and cook for my future husband. I became a terrible cook and seamstress. When I was in high school, I was supposed to go to a decent college and take a low-stress job, but I decided that I would much rather attend Harvard and become a Wall Street analyst. When I met my future husband, his family wanted me to be Jewish, but I wasn’t. When I was at the height of my career on Wall Street, I was expected to keep going at the expense of having a family. I “failed” at that too. The people who love you will always have very particular ideas of what would make you happy, but they’re not you. Being you is the best thing you can be, at every point in your career.




How do you maintain a work/life balance?


I need a village. Our house is always frenetic, with grandparents, nannies, babysitters, and friends, all helping to juggle the impossible challenge that is my family’s schedule. It would be tough to call it work/life “balance”- more like a different flavor of imbalance every day. A glass of wine in the evening has become pretty crucial to my ongoing sanity.




What do you think is the biggest issue for women in the workplace?


Companies are still not aware of how difficult it is for many talented, bright, and hard-working female employees to be pregnant, have babies, and then get through the challenging young kids phase of motherhood without calling it quits. There aren’t nearly enough supportive policies in place. We need to change that, like yesterday. There is a general lack of empathy toward the challenges that women face as valuable members of the workforce.




How has mentorship made a difference in your professional and personal life?


My grandmother was my greatest mentor. She was a single mother of five kids who somehow managed to send everyone to college, and radiated an inner beauty that spilled over the outer edges when anyone met her. She showed me grace.




Which other female leaders do you admire and why?


Hillary Clinton. She’s amazing! Mirga Grazinyte-Tyla, the new assistant conductor for the Los Angeles Philharmonic – an artistic phenomenon and rising star in classical music. Naomi Wolf, who wrote the Beauty Myth when I was just entering college, and rocked my world. Betty Liu, a successful TV anchor on Bloomberg News, who pulled off the impossible feat of changing careers midway through a youth- obsessed industry and has raised kids with the most loving and pragmatic attitude.




What do you want Money School with Jane to accomplish in the next year?


It would be incredibly exciting to see our audience grow as people become more aware of what we are doing. We’ve taken the intimidation factor out of learning finance. We’re launching a library of video classes in the at that makes finance funny, very Saturday Night Live in feel. The long game is to change the future of younger generations when it comes to their relationship with money. We want to build financial resilience and core strength so that people are never held hostage to their financial circumstances.

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Our Favorite Facebook Tool + 16 Amazing Pages That We Draw Inspiration From Every Day

The truth is, there’s so much to do on social media that, as a social media manager, I have to choose my battles wisely when it comes to steering my time and deciding which creative strategies to pursue. 


Luckily, there are an unlimited amount of resources out there to help social media marketers like us to decide which strategies will provide the biggest payoff when it comes to Facebook marketing.


But, more often than not, those resources give a general overview of various social media strategies and high-level tactics, leaving us wondering where we can turn to for ideas for specific images, copy, hashtags, videos and content that is working right now for top brands. 


That’s where my favorite Facebook tool comes in – A tool that is 100% free to use.


The Facebook “Pages to Watch” feature has completely changed the way I go about Facebook marketing on a daily basis. Many of you probably know about and use this tool regularly, but I’d love to provide a brief guide on where to find the Pages to Watch feature and how you can use it to improve your Facebook marketing. 


After that, we’ll get into some good stuff and I’ll share with you the 16 Facebook pages that we watch like a hawk and draw inspiration from every day.


Ready? Let’s jump in!


Facebook Inspiration, facebook, social media marketing,


How to Find and Use Facebook’s “Pages to Watch” Feature


For Facebook pages with more than 30 likes, Facebook offers a robust Insights tool that gives social media marketers the ability to analyze a ton of great data from their page. 


facebook page insights, facebook, insights, social media


From there, you’ll be taken to your page’s Insights dashboard where you’ll find the tool of all tools – Pages to Watch – directly under the “5 Most Recent Posts” section.


facebook, pages to watch, facebook insights


Next, simply click “Add Pages” and begin adding pages by typing their brand name into the search box. Once you’ve added a brand page to your list, you’ll be able to see the following stats:

    • Their total page likes (and the % +/- change from the previous week)
    • How many times they’ve posted to Facebook this week
    • Their total engagement count for the week

Pretty cool!


Where it gets even better is when you click on a specific brand’s icon in your list. Facebook provides a detailed view of every one of their posts from the current week – ranking them from the “most engaging” to “least engaging.” This allows you to quickly check the top posts from every page you follow in a matter of seconds.


Netflix, pages to watch, facebook insights


So you’re all set to go with the Pages to Watch feature, but which pages should you follow?


My first instinct was to follow all of the pages that I follow personally on Facebook, which was a perfectly fine route to go for me as a beginner. However, I quickly realized that a lot of the pages that I follow personally are not relevant to Buffer’s audience.


Here are a few ideas to develop a relevant watch list: 

    • Top peers in your space
    • Brands that you admire in your space
    • Brands that have a strong social media presence in your space
    • Influencers in your space
    • Top brands from around the world (this one’s for fun)

How I utilize Pages to Watch


I like to go in and quickly check the pages that we follow 3-4 times per week to make sure that I have my finger on what’s trending in the industry. What I am looking for are posts and content that have major potential to be successful on Buffer’s social media. The are 3 key factors that I consider when browsing pages: 

    1. Posts with high engagement (50+ likes, 15+ shares, and 10+ comments)
    1. Posts with low engagement, but contain beautiful images, awesome copy, or great content. I love these because it allows us to improve upon content that has potential to be engaging
    1. Specific trends across the board. In social media, things tend to pop up and fade quickly and so it’s always fun to jump on trending topics that are relevant to Buffer

Another key factor that I take into account is a brand’s overall engagement per post and if they’re trending upward or downward. To so do, I quickly divide their total weekly engagement by the number of posts. If a brand with a similar audience size to Buffer is averaging a lot more likes per post, I’ll try to dig in and study the images, content, and copy they are using to see how we may improve on our own.


I recommend that you follow around 12–16 pages so that you’re not overloaded with content, but that you get a nice variety of brands and creative ideas to pull from.


If you’re looking for a good place to start with pages to watch, here are 16 amazing pages that we draw inspiration from every day. In other words, they are crushing it on Facebook!   


16 Amazing Facebook Pages that Inspire Us

    1. Netflix U.S. 

Facebook, Facebook pages, Netflix


Why it Rocks: Netflix is a great example of a brand page that speaks in the language of their audience. They post high-quality images with captions that resonate well with their core users. Netflix understands the fine art of brevity and isn’t afraid to “go there” from time to time. If you’re looking for quippy, clever captions, then Netflix may just be your daily inspiration. 

    1. Shopify 

Facebook, Facebook pages, Shopify


Why it Rocks: Shopify has the art of video marketing on Facebook down to a science. They post a great mix of original video content that points to their blog along with fun, light-hearted videos that are meant to simply delight their audience. They’re also a great example of a brand that is using the Facebook “Shop” feature on the top of their page – driving sales directly from social media. 

    1. Square

Facebook, Facebook pages, Square


Why it Rocks: Square is an awesome example of a brand page that proves you don’t have to post several times per day to receive a huge amount of engagement on Facebook. They only post the “best of the best” of their content and it really pays off for them. Square also has a great sense of who their audience is – sharing photos and videos that are highly relevant, speaking to the finance-minded user. 

    1. The Next Web

Facebook pages, facebook insights, social media, The Next Web


Why it Rocks: The Next Web has really burst on the scene as huge player in the Facebook space – Covering everything in the world of “Internet Technology.” Not afraid to post multiple times a day, The Next Web makes a strong case for the power of putting your content out there as often as possible. What makes The Next Web notable is their ability to summarize major stories in just a few, catchy words. 

    1. WeWork

Facebook, Facebook pages, WeWork


Why it Rocks: WeWork is a fabulous example of a brand page that does a solid job of mixing up content types and posts. Scrolling through their Facebook page you’ll find a variety of links, photos, and videos. It’s also fascinating to see the how they are able to tell stories about the people in the WeWork community and around the world. 

    1. Creative Market

Facebook, Facebook pages, Creative Market


Why it Rocks: Creative Market does an incredible job of finding and producing the best “creative” content to share with their audience on a consistent basis. Looking at their top posts week after week, it’s a mix of original and curated video content that is highly relevant and shareable. The shareability may be part of the reason why they’ve just passed the 215,000 fan mark. 

    1. Social Media Examiner

Facebook, Facebook pages, Social Media Examiner


Why it Rocks: Many of us know Social Media Examiner’s blog as a leading resource in social media news and know-how, but their Facebook page is also a wonderful example of how to be successful with sharing top social media content from around the web. I like to think of it as similar to an RSS feed of popular and useful articles. SME also puts their cover photo to good use by promoting their major annual event – Social Media Marketing World.


8.  REI


Facebook, Facebook pages, REI


Why it Rocks: REI does a wonderful job of promoting beautiful fan content across all social media channels – With their Facebook and Instagram pages as the hubs. Their hashtag campaign, #OptOutside, has been used more than one million times on social media and connects people from across the world, people who love the outdoors. If you’re looking for ideas for a user-generated content campaign, REI is a great place to start. 


9. Neil Patel


Facebook, Facebook pages, Neil Patel


Why it Rocks: Neil Patel does an amazing job of studying his audience and knowing exactly what they love on Facebook. He’s not afraid to experiment either – Sharing everything from quote graphics and curated content to text and picture-only updates. If you’re looking for actionable insights and ways to shake things up, then look no further than Neil Patel. 

    1. Brain Pickings

Facebook, Facebook pages, Brain Pickings


Why it Rocks: Brain Pickings’ Facebook page is the poster child for super interesting content and perfectly branded updates. They’ve found a unique niche in the market that a massive audience has embraced with open arms. I love their About section as well: “A cross-disciplinary library of interestingness culling ideas that shed light on what it means to live a good life.”

    1. Livescribe

Facebook, Facebook pages, Livescribe


Why it Rocks: As social media customer support becomes more and more critical for companies, those who have already been experimenting with different ways to support their customers will be well-ahead of the curve. Livescribe’s “Customer Service” tab is one of the first things you see when you arrive on their page. From there, customers can ask questions, share an idea, report a problem, or simply give praise.

    1. Spotify

Facebook, Facebook pages, Spotify


Why it Rocks: What I love about Spotify is that they’re not afraid to speak in the language of their users. They’ll often be found using words and phrases like “dope,” “epic,” “ridiculous,” “peep it,” etc. While this may not be a viable strategy for a lot of brands, it definitely works for Spotify. They also do a great job, like REI, of featuring and sharing their audience’s stories on social media. 

    1. Robinhood

Facebook, Facebook pages, Robinhood App


Why it Rocks: Quirky, yet beautiful graphic design and insightful articles on investing, Robinhood App has exploded onto the Facebook scene in 2016. 19,000 Facebook fans and counting, Robinhood boasts an unusually high engagement rate for a brand – averaging several hundred likes, comments and shares per post. This is a great page to watch in the coming months as they continue to grow as a company and their Facebook strategy evolves. 


14. Gary Vaynerchuk


Facebook, Facebook pages, Gary Vaynerchuk


Why it Rocks: You may know Gary Vaynerchuk from his podcast and book “#AskGaryVee,” but did you know he has a rockin’ Facebook page as well? Gary shares an engaging mix of business and personal content – Giving us all a look inside what it’s like to live the life of an entrepreneur. I find it very inspirational because it demonstrates the power of authenticity and personality on social media. No frills, no fluff, just the real Gary Vee. 

    1. Lyft

Facebook, Facebook pages, Lyft


Why it Rocks: Lyft does a wonderful job of harnessing the power of word of mouth when it comes to Facebook marketing. Scattered throughout their feed are contests, big announcements, coupons, deals, partnership celebrations, user stories and more. They make it really easy for their audience to want to share their content. It’s straight forward, well-designed, and often includes a relevant call-to-action.

    1. Duolingo

Facebook, Facebook pages, Duolingo


Why it Rocks: I love going to Duolingo’s Facebook page for inspiration because of their high-quality content and simple graphic design. They are very much focused on quality over quantity – only sharing to Facebook a few times per week. Like other successful Facebook pages, they utilize catchy captions and design to encourage users to share their posts with their friends and family. 


Over to you


Which Facebook pages do you follow for creative inspiration or just simply LOVE? Please feel free to let me know in the comments below so that I can add them to our list!


The post Our Favorite Facebook Tool + 16 Amazing Pages That We Draw Inspiration From Every Day appeared first on Social.


Donald Trump spars with ‘Today’ hosts in fiery interview over campaign manager’s battery charge

today show‘Today’/screenshot

Donald Trump was grilled for seven minutes Wednesday morning on the “Today” show about his campaign manager’s simple-battery charge.


Hosts Savannah Guthrie and Matt Lauer repeatedly tried to get Trump to admit that his top aide, Corey Lewandowski, wasn’t telling the truth when he said he didn’t touch a reporter earlier this month.


The Jupiter, Florida, police released video of the incident on Tuesday, when Lewandowski was charged. The video appeared to show him grabbing reporter Michelle Fields as she questioned Trump at a campaign event.


The Trump camp has since shifted its story to argue that Lewandowski had good reason to pull Fields away from the candidate. Trump simply repeated this argument again and again during his “Today” interview.


In her first question to the Republican presidential frontrunner, Guthrie said:


You have a Corey Lewandowski tweet right after this incident happened saying very directly: “I never touched her.” Then you have a piece of video which shows rather clearly he did touch her. Will you acknowledge very directly that Corey Lewandowski did not tell the truth initially about this incident?


Trump pivoted again and again to accuse Fields of grabbing him first as Guthrie repeatedly tried to get him to answer the original question. He also claimed that Fields had a shifting statement about the incident.


“Isn’t it your story that’s changed?” Guthrie asked.


Trump wouldn’t budge. Lauer soon repeatedly tried to ask the same question during the heated interview, but Trump continued to place the blame on Fields, who earlier this month tweeted a photo of the bruises she said she received from the March 8 incident.


“He tweeted that he never touched her,” Lauer told Trump. “The video tape easily and plainly shows that in fact he did grab her and he did pull her … He didn’t tell the truth.”


The Trump campaign and Lewandowski’s lawyers have maintained he is innocent of the charge.


Watch the entire interview below:


NOW WATCH: This isn’t the first time this top Trump aide has been accused of misconduct



Facebook Delivery Insights Will Help Marketers Get More Value From Ads (Plus How Ads Get Shown On Facebook)

Facebook is introducing Delivery Insights to its Ads Manager tools. Delivery Insights will tell advertisers how their ads are competing at auction and provide recommendations on how to tweak ads to make them more competitive.


The social network delivers ads to its users based on bid price, ad quality and user interest,  evaluating billions of pairings of individual people and individual ads each day, looking for the right mix of message relevance and potential business value.


According to Facebook, the new feature identifies under-delivering ad sets and explains why the under-delivery is happening and highlights suggestions for specific actions an advertiser can take to make their ad more competitive at auction – in-turn helping them to increase the performance of their advert.




pablo (41)


Delivery Insights will begin rolling out globally to Ads Manager in a few weeks, and advertisers will find this feature in the “Delivery” column in the campaign and ad set level, as well as in a standalone tab under “Tools.”


John Hegeman, Facebook’s director of engineering for advertising delivery, e-commerce and analytics, said in a statement about Delivery Insights:


“We built our ad system to create as much value as possible for people and businesses. With this in mind, we’re focused on helping marketers better understand how our ads auction works, and how they can improve their results, through an education program we’re launching this week. In the coming months, we’ll also begin introducing new insights in our ads interfaces to help marketers ensure their ads are shown to the people they want to reach.”


How ads get shown on Facebook


The core belief behind Facebook ads is the idea that people should see ads that are relevant to them and ads should deliver as much value as possible.


With more than 3 million advertisers all competing for attention in more than a billion users news feeds, Facebook use what’s called an ad auction to deliver ads.


The ad auction pairs individual ads with particular people looking for an appropriate match. The social network’s ad auction is designed to determine the best ad to show to a person at a given point in time.


The auction starts with an advertiser submitting a request for an ad to be shown to people. To submit the request, advertisers define their target audience, set an objective for their campaign and place a price bid for each click or conversion. Then, each time there’s a chance to show an ad to a person in the advertiser’s selected audience, Facebook run an auction to determine whether they should see the ad from that advertiser-or different ad.


“If you’re an advertiser and you’re getting a chance to show your ad, you’re going to take away the opportunity from someone else,” Hegeman explained to Wired.


“The price can be determined based on how much value is being displaced from those other people. An advertiser will only win this placement if their ad really is the most relevant, if it really is the best ad to show to this person at this point in time.”


Factors that determine the winner of an auction


To determine which ad wins the auction, Facebook assigns a total bid value to each ad, which is calculated based on three factors:

    • The advertiser’s bid value for the outcome they care about
    • The estimated action rates that the person seeing the ad will lead to the advertiser’s desired outcome
    • The ad’s quality and its relevance to the person

Here’s a little more on each of these three factors:


Bid value


When you create an advert on Facebook you’re asked to choose how you’d like to bid: automatically or manually.


Automatic: An automatic bid is one Facebook makes for you on an auction-by-auction basis. The bid is calculated with the goal of spending your entire budget and getting you the most of the result your ad set is optimized for.


Manual: A manual bid is one you make that tells Facebook the maximum amount you’d be willing to pay for the result your ad set is optimized for. For example, if you want website conversions and a you know conversion is worth $10 to you, you could set your bid at $10.


Ad quality and relevance


Facebook estimates how interested a person will be in seeing your ad with measures of its quality and relevance. If your advert has received some negative feedback, that could decrease its value here, likewise, positive reactions and the person has a history of being interested in what you’re advertising, that can increase its total value.


To keep tabs on your ad quality and relevance Facebook ads manager has a super-useful relevance score for each ad and also enables to you keep tabs on both positive and negative feedback. The relevance score is displayed as a number between 1 and 10 while positive and negative feedback will be shown as a rating of low, medium or high.




You can find the relevance score and positive and negative feedback from within Facebook ads manager.


Estimated action rates


An estimated action rate is a measure of how likely the eligible person is to take the actions required to get you the result you’ve optimized for. Below is an example Facebook use to explain how estimated action rates work:


If you’re running an ad for cooking equipment that’s optimized for purchase conversions, you’re probably targeting it to people who are interested in cooking. However, cooking equipment’s relevance to someone’s interests doesn’t necessarily mean they’re going to purchase cooking equipment. That’s why we factor in estimated action rates. From the pool of people interested in cooking, we try to find those that are most likely to complete a purchase.


Winning an auction


In each auction, the ad with the highest total value wins, and winning means the ad gets shown to the person in consideration. This means an ad that’s high quality and very relevant can beat an ad that has a higher advertiser bid, but is lower quality and has less relevance.


Facebook Delivery Insights will help advertisers to see how campaigns are performing and understand what they should modify during the campaign to increase their likelihood of success.


Over to you


I hope you found this post useful and would love to hear your thoughts on Facebook Deliver Insights once they’re rolled out globally.


I’d also be keen to hear your tips and best practices for creating highly relevant and high-performance ads on Facebook. Share your thoughts in the comments and I’d be excited to join the conversation. 


The post Facebook Delivery Insights Will Help Marketers Get More Value From Ads (Plus How Ads Get Shown On Facebook) appeared first on Social.


Court vacates iPhone hack order against Apple, focus shifts to New York


A judge in California vacated on Tuesday an earlier order asking Apple to assist the FBI in cracking the passcode of an iPhone 5c running iOS 9 that was used by one of the San Bernardino terrorists.



The focus of the dispute between Apple and the government over whether it can be compelled to help agencies access data on iPhones now shifts to a court in Brooklyn, New York, where Apple is contesting an order to extract data from the passcode-locked iPhone 5s of an alleged drug dealer.



The FBI had requested the California court on Monday to vacate the order as the government had successfully accessed the data stored on the iPhone used by Syed Rizwan Farook and no longer required Apple’s assistance.


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