IBM PureApplication Solutions for Hybrid Cloud

This post was made possible by IBM.

IBM put together a video, seen below, that covers IBM PureApplication Solutions for Hybrid Cloud from the prospective of a few different people involved with it at various companies. While I am sharing a brief summary after the video, make sure to watch the full video to get the big picture of how IBM PureApplication Solutions for Hybrid Cloud can help your business.

The video highlights the following people:

  • Amy Anderson, Director of Business Development for Zend Solutions
  • Doug McCulloh, Director of Business Development, Healthcare for Perficient
  • Brad Hertenstein, Enterprise Architect for Prolifics
  • John Hawkins, PureApplication System Principal Consultant for Icon Solutions
  • Mike Hastie, VP of Solution Architecture and Technical Sales for Prolifics
  • Graham Wallace, Director, IBM Smarter Process for Perficient

The people above cover a lot of different aspects of IBM PureApplication Solutions for Hybrid Cloud. They talk about things such as how IBM PureApplication Solutions helps them to understand the infrastructure supporting their application. They also speak about how easy it is to deploy patterns with just the push of a button. They talk about how PureApplication Solutions can fit your needs within your system.

They mention how quickly you can get new equipment running with PureApplication and how it can help you lower the total cost of your business.

To learn more about PureApplication Solutions for Hybrid Cloud, please watch the whole video above!

Build Your Emergency Fund: How to Start and Why a Money Market Account Makes Sense

Emergency FundRegardless of age, economic status or geography, there’s one thing every household should have: an emergency fund. Even the sunniest days can turn stormy at a moment’s notice. Being prepared with an emergency fund is the best way to avoid debt, stress and even bankruptcy.

Some experts recommend that you save a full six months’ worth of expenses for your emergency fund, but if you’re like most people, that sounds like an awful lofty goal. Instead, the most important thing to do is to just start saving. Even if current savings account rates are low, don’t wait. The sooner you get started saving, the more prepared you’ll be if an emergency strikes.

High-yield savings account options vary, but a money market account may be the best choice for your emergency fund.

Although you may already have a high-yield savings account, it’s a good idea to open a separate account to start your emergency fund. Just as its name says, an emergency fund is for emergencies only – not because the newest smart phone is calling your name or there’s a great sale at the local department store – and keeping that money separate from your everyday accounts is critical.

A money market account is a smart place to keep your emergency fund. The money market will be separate from your regular checking and savings accounts but can be quickly accessed in case of an emergency. You can meet your savings goals faster by automatically scheduling deposits. Having a money market savings account  means the rates you will earn interest at should be a competitive rate. Here are other top reasons to stash your emergency fund in a money market account:

  • Compared to stocks, bonds or CDs, money market accounts can be accessed relatively easily if you need to dip into them.
  • FDIC insurance means your money is protected.
  • Money market rates and balances can be quickly monitored online.

You may be wondering why a credit card, retirement account or home equity loan isn’t enough to cover your emergency fund needs. These don’t tend to be the best choices for a couple of reasons:

  • You’ll pay interest and penalties on a credit card if you’re unable to pay it off.
  • Withdrawing retirement funds early carries stiff penalties.
  • Falling home prices might mean that home equity loan isn’t worth as much as you once thought it was.

By having a true emergency fund in a high-yield savings account like a money market account, you’ll avoid debt and frustration.

Find the right money market account for your emergency fund

Don’t be misled into thinking you’re immune from catastrophes. A job loss, significant medical expense, or need for major home repairs can happen at any time. Even if you’re trying to reduce your spending, setting aside money for an emergency fund is something you simply can’t afford not to do. Start building your emergency savings account today before it’s too late.

Sponsored content was created and provided by Citizens Financial Group.

photo by: 401(K) 2013

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