Feature 1

Could-a, Should-a, Would-a

About 40 percent of U.S. households— nearly 50 million—own individual retirement accounts, which provide taxadvantaged options for saving for retirement years. Make sure you avoid the following common mistakes when managing your own IRA. Money Tips

Mistake #1:

Failing to Focus on Beneficiaries

15 Body Language Blunders Successful People Never Make

Our bodies have a language of their own, and their words aren’t always kind. Your body language has likely become an integral part of who you are, to the point where you might not even think about it.Body Language

If that’s the case, it’s time to start, because you could be sabotaging your career.

Top Financial and Banking Companies-2015

Each year, DiversityComm, Inc.

Top Insurance Companies-2015

Each year, DiversityComm, Inc. (DCI) and it's five diversity magazines conduct select evaluations of the nation’s Employers, Supplier Diversity Programs and Executives, Industry Leaders, Law Enforcement & Government Agencies and Colleg e s,   Universities and MBA Schools .

Manage Your Money via a Monthly Budget

Manage Your MoneyA budget is a useful financial tool to help you plan, prioritize and manage your income and expenses. Set up your budget using the steps listed below. Review it often, and update it when you are experiencing a change in income and expenses.

Create a Budget

U.S. Census Looking at Big Changes

By Jens Manuel Krogstad and D’vera Cohen

Kids Spend More Than 3 Hours a Day on Apps

Today the DinnerTime Plus app releases statistics on the average time their users spend on different apps across popular names such as Instagram, YouTube, Facebook and Whatsapp.

The findings show that during the first half of September as kids return to school, more than 3 hours per day are spent using apps on their smartphones and tablets, the equivalent of 6 and ½ weeks per year.

Across a sample of more than 2800 users with the child version of the DinnerTime Plus app (which works with a companion parent app), the stats show that social and messaging apps such as Instagram and Facebook are the most popular among kids. An average of 52

minutes and 42 minutes are also being spent every day on the gaming apps Minecraft - Pocket Edition and Clash of Clans respectively.

Key findings include: 

 •During the first half of September, average daily app usage per user is 183 minutes (3 hours and 3 minutes), meaning kids spend approximately 6 ½ weeks a year on apps

 •More than a third of this time is used on social/blogging/messenger/SMS related apps, with more than 65 minutes per day spent messaging friends

 •29% of total app usage is related to video apps (53 minutes per day), 10.4% to game apps (19 minutes per day), and 8.2% to internet browsing (15 minutes per day)

•Instagram and Facebook are the most popular social and messaging apps with 30% of kids using them every day

•In the games category, an average of 52 minutes are being spent on Minecraft - Pocket Edition and 42 minutes being spent on Clash of Clans daily

•YouTube and Netflix dominate the video category, with nearly half of kids using YouTube every day. YouTube users average 71 minutes per day in the app; Netflix users average 86 minutes per day using the app 

•The popularity of gaming apps tend to be seasonal for children - during the month of August FIFA 14 ranked as the 6th most popular app; now FIFA 14 does not even in the top 80 most used apps

•While many kids make phone calls, less than 1.8% of app usage time is actually spent on the phone, while 35% of the time is spent on social and messaging apps

•Google Chrome is the most popular browser, with an average of 22 minutes spent browsing per day


While apps are more popular than ever before among kids, DinnerTime Plus' analytics also suggest a lack of loyalty as to which games are consistently played, with the soccer app FIFA 2014 disappearing from the rankings after the World Cup. The DinnerTime Plus team also observed that kids spend less than 1.8% of their time on traditional phone calls as a means of communication, with more than a third of the time spent on apps involving IM services.

DinnerTime Plus launched back in June 2014 and aims to bring families back together without the distractions of mobile devices, giving parents the ability to easily lock and unlock up to five children's Android tablets or smartphones without any intrusive controls, allowing for more quality time at key family gatherings such as dinner time meals. Features include app and device time limits, detailed usage reporting, and the option to allow and disallow certain apps that your children may find addictive.

Richard Sah, Co-Founder of DinnerTime Plus and father to three young kids, explains: "We created DinnerTime Plus to tackle the problem of technology addiction head on, as I noticed that my children were playing games or watching videos when they should be enjoying quality family time. We've spent months analyzing the most interesting data and trends, so that we can continue to improve our service and understand this trend on a bigger scale, and the results provide a great insight into our children's mobile use. DinnerTime Plus is designed to help parents understand their kids' device usage behavior and help set boundaries and guidelines, and understand if their kids have any addictive usage patterns. We are raising kids in a tech savvy world, and need more than ever to make sure we are able to both understand and monitor their activities and the technology that they are using."

Once the parent activates the DinnerTime Plus app functionality to pause activity on their child's device, everything from apps and the internet to texting and calling friends is temporarily disabled. Kids can even see a countdown clock, so they are aware of exactly how much time remains before they are able to access their device again - reducing distractions from schoolwork and family time.

DinnerTime Plus features include: 

•Real-time monitoring: display real-time status of your children's devices (offline, standby, online) and see which app is currently running

•Bed Time: set a start and end time to pause activity while in Bed Time mode. Allows kids to access their alarm clock

•Instant timeout: set 'Dinner Time' break and pause any activity for any set time, up to 2 hours. Set 'Take a Break' and pause any activity for any set time, up to 24 hours

•App blocking feature, e.g., only educational apps during exam time

•Live usage history: see the last 15 apps your child has used and for how long

•Parent notifications: any unusual activities (e.g., reboot, date/time change) detected on your child's phone

•Customize permitted apps during restrictions: for example: allow reading apps during Bed Time restriction

•Animated report summary on child's device: avatar animates based on actual device usage; displays today's total screen time, time left on the child device (if there is a screen time limit) and most used app to  help kids with their time management

•Optional one time in-app purchase ($1.99): unlocks detailed usage reporting on the parent's and child's app and links to up to 5 kids' devices: see how long your child has used their device and which apps they have used the most, so you know exactly what's distracting them

Cracking The Money Code With The Right Combination

What do you have to do to get all the money that you want -- legally, ethically and morally? As a business person or entrepreneur, that's surely a question you're thinking about. If not consciously, it's still the question that drives you in business. And that's a good thing, because it's a great question. In fact, it's a question you should keep playing in your head over and over again, on an endless loop. Let it roll around in your head for months -- even years. Live with that question. What do I have to do to make the most money?

Wells Fargo Provides Major Funding for CalAsian Chamber to Launch Economic Development Program

‘EMPOWER’ for Asian Pacific Islander and Small Business Organizations in California

CalAsian Chamber also receives major financial support from Wells Fargo for the 3rd Annual CalAsian Business Summit and technology platform for minority businessesCalAsianChamberofCommerce

10 Ways to Avoid Fraud

Here are 10 things you can do—or not do—to stop a scam.

What  To Do

1. Know with whom you’re dealing.

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