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Jennifer Simonson – Forbes Advisor
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p-24px mx-20px rounded-5px mob-region-sel-holder"> <div class="text-333333 font-euclidcircularb font-bold pb-12px border-b-1 border-light text-20px"> Select Region </div> <div> <ul> <li class="mt-24px flex items-center curr-region-sel cursor-pointer active" data-curr-region="usa"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/usa-icon.svg" alt="US" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">United States</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="uk"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/uk-icon.svg" alt="UK" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">United Kingdom</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="de"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/de-icon.svg" alt="DE" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">Germany</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="in"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/in-icon.svg" alt="IN" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">India</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="au"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/au-icon.svg" alt="AU" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">Australia</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="it"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/it-icon.svg" alt="IT" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 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To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website.</p> </td> <td> <button class="close"> <svg xmlns="http://www.w3.org/2000/svg" height="24" viewBox="0 0 24 24" width="24"> <path d="M0 0h24v24H0V0z" fill="none" /> <path d="M19 6.41L17.59 5 12 10.59 6.41 5 5 6.41 10.59 12 5 17.59 6.41 19 12 13.41 17.59 19 19 17.59 13.41 12 19 6.41z" /> </svg> </button> </td> </tr> </thead> </table> </div> <div id="author-page" class="author-page article-link-wrapper"> <div class="blue-background-shade"></div> <div class="container"> <div class="main-content" id="main-content"> <div class="left-wrap w-full"> <section class="author-header font-euclidcircularb text-center lg:text-left -mx-4 -mt-3 pb-4 pt-3 lg:mx-0 lg:mt-0 lg:pb-0 lg:pt-0 mb-35px"> <div class="breadcrumbs-wrap"> <ul class="breadcrumbs " > <li class="breadcrumbs-item"> <a class="breadcrumbs-item-link" href="https://www.forbes.com/advisor" > Advisor </a> </li> <li class="breadcrumbs-item"> <a class="breadcrumbs-item-link" href="" > Authors </a> </li> <li class="breadcrumbs-item"> <a class="breadcrumbs-item-link" href="" > Jennifer Simonson </a> </li> </ul> </div> <div class="author-header__container"> <img src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/03/Profile-Picture-Jennifer-Simonson-scaled-e1710246068845.jpg" alt="Jennifer Simonson's Image" loading="lazy" class="author-header__image object-cover"> <div class="author-details"> <h1>Jennifer Simonson</h1> <p class="author-subtitle">Small Business Writer</p> <div class="social"> </div> </div> </div> </section> <div class="hide-desktop" id="author-bio-mobile"> <div class="about-author"> <p class="about-author__heading">About</p> <p class="about-author__content"> Jennifer Simonson draws on two decades as a journalist covering everything from local economic developement to small business marketing. Beyond writing, she tested entrepreneurial waters by launching a mobile massage service, a content marketing firm and an e-commerce venture. These experiences enriched her understanding of small business management and marketing strategies. Today, she channels this first-hand knowledge into her articles for Forbes Advisor. </p> </div> </div> <div class="author-data mt-6 lg:mt-0"> <nav class="c-tabs border-t-0" data-toggle="c-tabs" role="navigation"> <ul class="c-tab--navigation"> <li class="c-tab--item"> <a href="#custom-tab" class="active">About</a> </li> <li class="c-tab--item"> <a href="#editorial-stream" >Latest Articles</a> </li> <li class="c-tab--item"> <a href="#archive">Archive</a> </li> <li class="c-tab--slider"> <div class="c-tab-indicator"></div> </li> </ul> </nav> <div class="author-data-tab-container px-4 lg:px-8 py-6 border mb-8"> <div id="custom-tab" class="c-tab--content wysiwyg-content author-about-content active"> <p>Jennifer Simonson has spent more than 20 years writing for newspapers, magazines and websites. Her journalism career started in a Denver-area city council building as a government newspaper reporter. Since then she has covered everything from economic business development to best travel insurance to the financial impact of the Texas wine economy.</p> <p>During a seven year break from writing she launched several small businesses including a mobile massage service, a content marketing firm, and an e-commerce store featuring handmade Nicaraguan purses. Through these enterprises, she gained extensive knowledge in managing small businesses, mastered the art of small business marketing and leveraged technology to streamline operations. She now uses this first-hand experience in writing for Forbes Advisor.</p> <p>When not delving into small business and finance topics, Jennifer explores her passion for travel writing. Her travels have taken her to remote villages north of the Arctic Circle, ghost towns along the Texas-Mexico border and medieval Moroccan medinas. She mostly travels in search of good conversation, tasty ice cream and fast water slides.</p> <h2>Expertise</h2> <ul> <li>Small business software</li> <li>Business technology</li> <li>Personal finance</li> <li>Credit cards</li> <li>Travel</li> </ul> <h2>Achievements</h2> <ul> <li>Five years of experience as a personal finance, small business and technology writer</li> <li>Specializes in small business, marketing, marketing software, credit cards, finance and travel</li> <li>Launched several small businesses including a content marketing firm and e-commerce store</li> </ul> <h2>Other Publications</h2> <ul> <li><a href="https://www.usatoday.com/money/blueprint/travel-insurance/flight-insurance/" target="_blank" rel="nofollow noopener">What is flight insurance?</a></li> <li><a href="https://www.usatoday.com/money/blueprint/travel-insurance/best-business-travel-insurance/" target="_blank" rel="nofollow noopener">How to find the best business travel insurance</a></li> <li><a href="https://www.smithsonianmag.com/travel/last-cigar-factory-tampa-180978323/?fbclid=IwAR3WVRo-bsrkTltNxd6_TticEAc4fixkQqPBPlYUGkrRLa5UYBVtVL71Wss" target="_blank" rel="nofollow noopener">The Last Cigar Factory in Tampa</a></li> </ul> <h2>Education</h2> <p>Colorado State University (B.A., Journalism)</p> </div> <div class="c-tab--content csr-common-stream " id="editorial-stream"> <ul class="edittools-stream"> <li class="stream-article et-promoblock-removeable-item et-promoblock-star-item ng-scope "> <div class="ng-scope"> <div class="ng-scope"> <div class="stream-article-wrapper ng-scope"> <div class="stream-article-text"> <h6 class="article-meta"> <span class="ng-scope"> <time class="article-time ng-binding">2 months ago</time> </span> </h6> <a href="https://www.forbes.com/advisor/banking/fudget-budgeting-app-review/" aria-label="Fudget Budgeting App Review 2024"> <h2 class="fs-h2 article-headline ng-isolate-scope"> <span class="brand-voice-name ng-scope"> <span class="ng-binding">Fudget Budgeting App Review 2024</span> </span> </h2> </a> <div class="stream-article-desc"> The Fudget budgeting app lets you manually set up your budget, track expenses and see how much money you have free to spend. If you prefer a minimalistic approach to money management that's akin to budgeting with a pen and... </div> <div class="article-footer"> <div class="csf-sharing csf-block-sharing csf-block-sharing-small clearfix ng-isolate-scope"> <ul class="csf-sharing-list hide-icons"> <li class="fs-icon-share"> <button class="button" aria-label="Share"> <i class="icon icon-share"></i> </button> </li> <li class="facebook expandable"> <button class="button" aria-label="Share Facebook" onclick="(function(){window.open('https://www.facebook.com/sharer.php?u=https://www.forbes.com/advisor/banking/fudget-budgeting-app-review/','_blank');})()"> <i class="icon icon-facebook"></i> </button> </li> <li class="twitter expandable"> <button class="button" aria-label="Share Twitter" onclick="(function(){window.open('https://twitter.com/intent/tweet?url=https://www.forbes.com/advisor/banking/fudget-budgeting-app-review/&text=Fudget Budgeting App Review 2024','_blank');})()"> <i class="icon icon-twitter"></i> </button> </li> <li class="linkedin expandable"> <button class="button" aria-label="Share Linkedin" onclick="(function(){window.open('https://www.linkedin.com/shareArticle?mini=true&url=https://www.forbes.com/advisor/banking/fudget-budgeting-app-review/&title=Fudget Budgeting App Review 2024');})()"> <i class="icon icon-linkedin"></i> </button> </li> <li class="mobile email expandable"> <button class="button" onclick="(function(){window.open('mailto:?subject=Fudget Budgeting App Review 2024 - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/banking/fudget-budgeting-app-review/%0A%0AFudget Budgeting App Review 2024 - Forbes','_blank');})()"> <a aria-label="Share Email"> <i class="icon icon-email"></i> </a> </button> </li> <li class="desktop email"> <button class="button" aria-label="Share Email" onclick="(function(){window.open('mailto:?subject=Fudget Budgeting App Review 2024 - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/banking/fudget-budgeting-app-review/%0A%0AFudget Budgeting App Review 2024 - Forbes','_blank');})()"> <i class="icon icon-email"></i> </button> </li> </ul> </div> </div> </div> <div class="stream-article-thumbnail ng-scope"> <a class="fs-bg-image article-image ratio16x9" href="https://www.forbes.com/advisor/banking/fudget-budgeting-app-review/" aria-label="Fudget Budgeting App Review 2024"> <img loading="lazy" class="object-cover object-center fs-image w-full h-full" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/07/image1-27-e1721284243653-340x190.jpg" alt="Fudget Budgeting App Review 2024" /> <i class="icon icon-gallery"></i> </a> </div> </div> </div> </div> </li> <li class="stream-article et-promoblock-removeable-item et-promoblock-star-item ng-scope "> <div class="ng-scope"> <div class="ng-scope"> <div class="stream-article-wrapper ng-scope"> <div class="stream-article-text"> <h6 class="article-meta"> <span class="ng-scope"> <time class="article-time ng-binding">4 months ago</time> </span> </h6> <a href="https://www.forbes.com/advisor/business/software/social-media-marketing-strategy/" aria-label="Social Media Marketing Strategy Tips For 2024"> <h2 class="fs-h2 article-headline ng-isolate-scope"> <span class="brand-voice-name ng-scope"> <span class="ng-binding">Social Media Marketing Strategy Tips For 2024</span> </span> </h2> </a> <div class="stream-article-desc"> Social media marketing was born in the mid-2000s with the rise of platforms such as MySpace, Facebook and Twitter, but did not start hitting its stride until Facebook introduced "Facebook Flyers Pro" in 2007. Since then, it has revolutionized the... </div> <div class="article-footer"> <div class="csf-sharing csf-block-sharing csf-block-sharing-small clearfix ng-isolate-scope"> <ul class="csf-sharing-list hide-icons"> <li class="fs-icon-share"> <button class="button" aria-label="Share"> <i class="icon icon-share"></i> </button> </li> <li class="facebook expandable"> <button class="button" aria-label="Share Facebook" onclick="(function(){window.open('https://www.facebook.com/sharer.php?u=https://www.forbes.com/advisor/business/software/social-media-marketing-strategy/','_blank');})()"> <i class="icon icon-facebook"></i> </button> </li> <li class="twitter expandable"> <button class="button" aria-label="Share Twitter" onclick="(function(){window.open('https://twitter.com/intent/tweet?url=https://www.forbes.com/advisor/business/software/social-media-marketing-strategy/&text=Social Media Marketing Strategy Tips For 2024','_blank');})()"> <i class="icon icon-twitter"></i> </button> </li> <li class="linkedin expandable"> <button class="button" aria-label="Share Linkedin" onclick="(function(){window.open('https://www.linkedin.com/shareArticle?mini=true&url=https://www.forbes.com/advisor/business/software/social-media-marketing-strategy/&title=Social Media Marketing Strategy Tips For 2024');})()"> <i class="icon icon-linkedin"></i> </button> </li> <li class="mobile email expandable"> <button class="button" onclick="(function(){window.open('mailto:?subject=Social Media Marketing Strategy Tips For 2024 - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/business/software/social-media-marketing-strategy/%0A%0ASocial Media Marketing Strategy Tips For 2024 - Forbes','_blank');})()"> <a aria-label="Share Email"> <i class="icon icon-email"></i> </a> </button> </li> <li class="desktop email"> <button class="button" aria-label="Share Email" onclick="(function(){window.open('mailto:?subject=Social Media Marketing Strategy Tips For 2024 - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/business/software/social-media-marketing-strategy/%0A%0ASocial Media Marketing Strategy Tips For 2024 - Forbes','_blank');})()"> <i class="icon icon-email"></i> </button> </li> </ul> </div> </div> </div> <div class="stream-article-thumbnail ng-scope"> <a class="fs-bg-image article-image ratio16x9" href="https://www.forbes.com/advisor/business/software/social-media-marketing-strategy/" aria-label="Social Media Marketing Strategy Tips For 2024"> <img loading="lazy" class="object-cover object-center fs-image w-full h-full" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/06/Social-Media-Marketing-Strategy-Tips-For-2024-Cropped-340x190.jpg" alt="Social Media Marketing Strategy Tips For 2024" /> <i class="icon icon-gallery"></i> </a> </div> </div> </div> </div> </li> <li class="stream-article et-promoblock-removeable-item et-promoblock-star-item ng-scope "> <div class="ng-scope"> <div class="ng-scope"> <div class="stream-article-wrapper ng-scope"> <div class="stream-article-text"> <h6 class="article-meta"> <span class="ng-scope"> <time class="article-time ng-binding">4 months ago</time> </span> </h6> <a href="https://www.forbes.com/advisor/business/software/marketing-plan/" aria-label="How To Create A Successful Marketing Plan"> <h2 class="fs-h2 article-headline ng-isolate-scope"> <span class="brand-voice-name ng-scope"> <span class="ng-binding">How To Create A Successful Marketing Plan</span> </span> </h2> </a> <div class="stream-article-desc"> The difference between a flourishing business and a floundering business often comes down to an effective marketing campaign. This is especially true for small businesses. Every successful marketing campaign starts with a well-thought-out marketing plan. 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It... </div> <div class="article-footer"> <div class="csf-sharing csf-block-sharing csf-block-sharing-small clearfix ng-isolate-scope"> <ul class="csf-sharing-list hide-icons"> <li class="fs-icon-share"> <button class="button" aria-label="Share"> <i class="icon icon-share"></i> </button> </li> <li class="facebook expandable"> <button class="button" aria-label="Share Facebook" onclick="(function(){window.open('https://www.facebook.com/sharer.php?u=https://www.forbes.com/advisor/business/software/best-insurance-crm-software/','_blank');})()"> <i class="icon icon-facebook"></i> </button> </li> <li class="twitter expandable"> <button class="button" aria-label="Share Twitter" onclick="(function(){window.open('https://twitter.com/intent/tweet?url=https://www.forbes.com/advisor/business/software/best-insurance-crm-software/&text=Best Insurance CRM Software Of 2024','_blank');})()"> <i class="icon icon-twitter"></i> </button> </li> <li class="linkedin expandable"> <button class="button" aria-label="Share Linkedin" onclick="(function(){window.open('https://www.linkedin.com/shareArticle?mini=true&url=https://www.forbes.com/advisor/business/software/best-insurance-crm-software/&title=Best Insurance CRM Software Of 2024');})()"> <i class="icon icon-linkedin"></i> </button> </li> <li class="mobile email expandable"> <button class="button" onclick="(function(){window.open('mailto:?subject=Best Insurance CRM Software Of 2024 - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/business/software/best-insurance-crm-software/%0A%0ABest Insurance CRM Software Of 2024 - Forbes','_blank');})()"> <a aria-label="Share Email"> <i class="icon icon-email"></i> </a> </button> </li> <li class="desktop email"> <button class="button" aria-label="Share Email" onclick="(function(){window.open('mailto:?subject=Best Insurance CRM Software Of 2024 - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/business/software/best-insurance-crm-software/%0A%0ABest Insurance CRM Software Of 2024 - Forbes','_blank');})()"> <i class="icon icon-email"></i> </button> </li> </ul> </div> </div> </div> <div class="stream-article-thumbnail ng-scope"> <a class="fs-bg-image article-image ratio16x9" href="https://www.forbes.com/advisor/business/software/best-insurance-crm-software/" aria-label="Best Insurance CRM Software Of 2024"> <img loading="lazy" class="object-cover object-center fs-image w-full h-full" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/07/image1-44-340x190.png" alt="Best Insurance CRM Software Of 2024" /> <i class="icon icon-gallery"></i> </a> </div> </div> </div> </div> </li> <li class="stream-article et-promoblock-removeable-item et-promoblock-star-item ng-scope "> <div class="ng-scope"> <div class="ng-scope"> <div class="stream-article-wrapper ng-scope"> <div class="stream-article-text"> <h6 class="article-meta"> <span class="ng-scope"> <time class="article-time ng-binding">4 months ago</time> </span> </h6> <a href="https://www.forbes.com/advisor/business/software/how-much-property-managers-charge/" aria-label="How Much Do Property Managers Charge In 2024?"> <h2 class="fs-h2 article-headline ng-isolate-scope"> <span class="brand-voice-name ng-scope"> <span class="ng-binding">How Much Do Property Managers Charge In 2024?</span> </span> </h2> </a> <div class="stream-article-desc"> Hiring a property management company can significantly ease the burden of managing your rental properties. 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Mortgage CRM software refers to specialized platforms designed to help mortgage professionals manage client relationships, streamline communication, track leads and follow up with prospects. 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Or perhaps you've found these checks stuffed into an envelope that arrived with promotional materials from your credit card company.... </div> <div class="article-footer"> <div class="csf-sharing csf-block-sharing csf-block-sharing-small clearfix ng-isolate-scope"> <ul class="csf-sharing-list hide-icons"> <li class="fs-icon-share"> <button class="button" aria-label="Share"> <i class="icon icon-share"></i> </button> </li> <li class="facebook expandable"> <button class="button" aria-label="Share Facebook" onclick="(function(){window.open('https://www.facebook.com/sharer.php?u=https://www.forbes.com/advisor/credit-cards/convenience-checks-for-credit-cards/','_blank');})()"> <i class="icon icon-facebook"></i> </button> </li> <li class="twitter expandable"> <button class="button" aria-label="Share Twitter" onclick="(function(){window.open('https://twitter.com/intent/tweet?url=https://www.forbes.com/advisor/credit-cards/convenience-checks-for-credit-cards/&text=What Are Convenience Checks For Credit Cards?','_blank');})()"> <i class="icon icon-twitter"></i> </button> </li> <li class="linkedin expandable"> <button class="button" aria-label="Share Linkedin" onclick="(function(){window.open('https://www.linkedin.com/shareArticle?mini=true&url=https://www.forbes.com/advisor/credit-cards/convenience-checks-for-credit-cards/&title=What Are Convenience Checks For Credit Cards?');})()"> <i class="icon icon-linkedin"></i> </button> </li> <li class="mobile email expandable"> <button class="button" onclick="(function(){window.open('mailto:?subject=What Are Convenience Checks For Credit Cards? - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/credit-cards/convenience-checks-for-credit-cards/%0A%0AWhat Are Convenience Checks For Credit Cards? - Forbes','_blank');})()"> <a aria-label="Share Email"> <i class="icon icon-email"></i> </a> </button> </li> <li class="desktop email"> <button class="button" aria-label="Share Email" onclick="(function(){window.open('mailto:?subject=What Are Convenience Checks For Credit Cards? - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/credit-cards/convenience-checks-for-credit-cards/%0A%0AWhat Are Convenience Checks For Credit Cards? - Forbes','_blank');})()"> <i class="icon icon-email"></i> </button> </li> </ul> </div> </div> </div> <div class="stream-article-thumbnail ng-scope"> <a class="fs-bg-image article-image ratio16x9" href="https://www.forbes.com/advisor/credit-cards/convenience-checks-for-credit-cards/" aria-label="What Are Convenience Checks For Credit Cards?"> <img loading="lazy" class="object-cover object-center fs-image w-full h-full" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2023/11/image1-49-340x190.png" alt="What Are Convenience Checks For Credit Cards?" /> <i class="icon icon-gallery"></i> </a> </div> </div> </div> </div> </li> <li class="stream-article et-promoblock-removeable-item et-promoblock-star-item ng-scope hide"> <div class="ng-scope"> <div class="ng-scope"> <div class="stream-article-wrapper ng-scope"> <div class="stream-article-text"> <h6 class="article-meta"> <span class="ng-scope"> <time class="article-time ng-binding">1 year ago</time> </span> </h6> <a href="https://www.forbes.com/advisor/business/software/best-vpn-streaming/" aria-label="Best VPNs For Streaming Of 2024"> <h2 class="fs-h2 article-headline ng-isolate-scope"> <span class="brand-voice-name ng-scope"> <span class="ng-binding">Best VPNs For Streaming Of 2024</span> </span> </h2> </a> <div class="stream-article-desc"> In today's interconnected world, streaming the latest television show, movie or sporting event has become an integral part of our entertainment landscape. 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To truly unlock Roku鈥檚 power, however, television-lovers can use a virtual private network... </div> <div class="article-footer"> <div class="csf-sharing csf-block-sharing csf-block-sharing-small clearfix ng-isolate-scope"> <ul class="csf-sharing-list hide-icons"> <li class="fs-icon-share"> <button class="button" aria-label="Share"> <i class="icon icon-share"></i> </button> </li> <li class="facebook expandable"> <button class="button" aria-label="Share Facebook" onclick="(function(){window.open('https://www.facebook.com/sharer.php?u=https://www.forbes.com/advisor/business/software/best-vpn-roku/','_blank');})()"> <i class="icon icon-facebook"></i> </button> </li> <li class="twitter expandable"> <button class="button" aria-label="Share Twitter" onclick="(function(){window.open('https://twitter.com/intent/tweet?url=https://www.forbes.com/advisor/business/software/best-vpn-roku/&text=Best Roku VPN Of 2024','_blank');})()"> <i class="icon icon-twitter"></i> </button> </li> <li class="linkedin expandable"> <button class="button" aria-label="Share Linkedin" onclick="(function(){window.open('https://www.linkedin.com/shareArticle?mini=true&url=https://www.forbes.com/advisor/business/software/best-vpn-roku/&title=Best Roku VPN Of 2024');})()"> <i class="icon icon-linkedin"></i> </button> </li> <li class="mobile email expandable"> <button class="button" onclick="(function(){window.open('mailto:?subject=Best Roku VPN Of 2024 - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/business/software/best-vpn-roku/%0A%0ABest Roku VPN Of 2024 - Forbes','_blank');})()"> <a aria-label="Share Email"> <i class="icon icon-email"></i> </a> </button> </li> <li class="desktop email"> <button class="button" aria-label="Share Email" onclick="(function(){window.open('mailto:?subject=Best Roku VPN Of 2024 - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/business/software/best-vpn-roku/%0A%0ABest Roku VPN Of 2024 - Forbes','_blank');})()"> <i class="icon icon-email"></i> </button> </li> </ul> </div> </div> </div> <div class="stream-article-thumbnail ng-scope"> <a class="fs-bg-image article-image ratio16x9" href="https://www.forbes.com/advisor/business/software/best-vpn-roku/" aria-label="Best Roku VPN Of 2024"> <img loading="lazy" class="object-cover object-center fs-image w-full h-full" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2023/10/Best-Roku-VPN-Of-2023-340x190.png" alt="Best Roku VPN Of 2024" /> <i class="icon icon-gallery"></i> </a> </div> </div> </div> </div> </li> <li class="stream-article et-promoblock-removeable-item et-promoblock-star-item ng-scope hide"> <div class="ng-scope"> <div class="ng-scope"> <div class="stream-article-wrapper ng-scope"> <div class="stream-article-text"> <h6 class="article-meta"> <span class="ng-scope"> <time class="article-time ng-binding">1 year ago</time> </span> </h6> <a href="https://www.forbes.com/advisor/business/software/best-erm-software/" aria-label="Best ERM Software Of 2024"> <h2 class="fs-h2 article-headline ng-isolate-scope"> <span class="brand-voice-name ng-scope"> <span class="ng-binding">Best ERM Software Of 2024</span> </span> </h2> </a> <div class="stream-article-desc"> Enterprise risk management (ERM) software has emerged as an indispensable tool for organizations looking to shield themselves from potential risks. As businesses confront an array of challenges, from cybersecurity to digital threats to evolving regulations, ERM software is able to... </div> <div class="article-footer"> <div class="csf-sharing csf-block-sharing csf-block-sharing-small clearfix ng-isolate-scope"> <ul class="csf-sharing-list hide-icons"> <li class="fs-icon-share"> <button class="button" aria-label="Share"> <i class="icon icon-share"></i> </button> </li> <li class="facebook expandable"> <button class="button" aria-label="Share Facebook" onclick="(function(){window.open('https://www.facebook.com/sharer.php?u=https://www.forbes.com/advisor/business/software/best-erm-software/','_blank');})()"> <i class="icon icon-facebook"></i> </button> </li> <li class="twitter expandable"> <button class="button" aria-label="Share Twitter" onclick="(function(){window.open('https://twitter.com/intent/tweet?url=https://www.forbes.com/advisor/business/software/best-erm-software/&text=Best ERM Software Of 2024','_blank');})()"> <i class="icon icon-twitter"></i> </button> </li> <li class="linkedin expandable"> <button class="button" aria-label="Share Linkedin" onclick="(function(){window.open('https://www.linkedin.com/shareArticle?mini=true&url=https://www.forbes.com/advisor/business/software/best-erm-software/&title=Best ERM Software Of 2024');})()"> <i class="icon icon-linkedin"></i> </button> </li> <li class="mobile email expandable"> <button class="button" onclick="(function(){window.open('mailto:?subject=Best ERM Software Of 2024 - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/business/software/best-erm-software/%0A%0ABest ERM Software Of 2024 - Forbes','_blank');})()"> <a aria-label="Share Email"> <i class="icon icon-email"></i> </a> </button> </li> <li class="desktop email"> <button class="button" aria-label="Share Email" onclick="(function(){window.open('mailto:?subject=Best ERM Software Of 2024 - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/business/software/best-erm-software/%0A%0ABest ERM Software Of 2024 - Forbes','_blank');})()"> <i class="icon icon-email"></i> </button> </li> </ul> </div> </div> </div> <div class="stream-article-thumbnail ng-scope"> <a class="fs-bg-image article-image ratio16x9" href="https://www.forbes.com/advisor/business/software/best-erm-software/" aria-label="Best ERM Software Of 2024"> <img loading="lazy" class="object-cover object-center fs-image w-full h-full" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2023/10/erm-340x190.png" alt="Best ERM Software Of 2024" /> <i class="icon icon-gallery"></i> </a> </div> </div> </div> </div> </li> <li class="stream-article et-promoblock-removeable-item et-promoblock-star-item ng-scope hide"> <div class="ng-scope"> <div class="ng-scope"> <div class="stream-article-wrapper ng-scope"> <div class="stream-article-text"> <h6 class="article-meta"> <span class="ng-scope"> <time class="article-time ng-binding">1 year ago</time> </span> </h6> <a href="https://www.forbes.com/advisor/business/software/protonvpn-vs-nordvpn/" aria-label="Proton VPN Vs. 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attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='December' data-year='2023' > <span class="accordion-tab-text pointer-events-none"> December 2023 (1)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='November' data-year='2023' > <span class="accordion-tab-text pointer-events-none"> November 2023 (2)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='October' data-year='2023' > <span class="accordion-tab-text pointer-events-none"> October 2023 (6)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='September' data-year='2023' > <span class="accordion-tab-text pointer-events-none"> September 2023 (2)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='August' data-year='2023' > <span class="accordion-tab-text pointer-events-none"> August 2023 (1)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='July' data-year='2023' > <span class="accordion-tab-text pointer-events-none"> July 2023 (2)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='May' data-year='2023' > <span class="accordion-tab-text pointer-events-none"> May 2023 (1)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='April' data-year='2023' > <span class="accordion-tab-text pointer-events-none"> April 2023 (2)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='March' data-year='2023' > <span class="accordion-tab-text pointer-events-none"> March 2023 (3)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='January' data-year='2023' > <span class="accordion-tab-text pointer-events-none"> January 2023 (1)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='December' data-year='2022' > <span class="accordion-tab-text pointer-events-none"> December 2022 (3)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='November' data-year='2022' > <span class="accordion-tab-text pointer-events-none"> November 2022 (2)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='October' data-year='2022' > <span class="accordion-tab-text pointer-events-none"> October 2022 (2)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='September' data-year='2022' > <span class="accordion-tab-text pointer-events-none"> September 2022 (3)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='August' data-year='2022' > <span class="accordion-tab-text pointer-events-none"> August 2022 (10)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='July' data-year='2022' > <span class="accordion-tab-text pointer-events-none"> July 2022 (7)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='June' data-year='2022' > <span class="accordion-tab-text pointer-events-none"> June 2022 (4)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='May' data-year='2022' > <span class="accordion-tab-text pointer-events-none"> May 2022 (2)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='April' data-year='2022' > <span class="accordion-tab-text pointer-events-none"> April 2022 (6)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate 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attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> </div> </div> </div> </div> <div class="right-wrap flex-shrink-0" id="right-rail"> <div class="hide-mobile"> <div class="about-author"> <p class="about-author__heading">About</p> <p class="about-author__content"> Jennifer Simonson draws on two decades as a journalist covering everything from local economic developement to small business marketing. Beyond writing, she tested entrepreneurial waters by launching a mobile massage service, a content marketing firm and an e-commerce venture. These experiences enriched her understanding of small business management and marketing strategies. 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Memory Leak } function removeEvent(elem, type, eventHandle) { if (elem.removeEventListener) { elem.removeEventListener(type, eventHandle); } else if (elem.detachEvent) { elem.detachEvent('on' + type, eventHandle); } elem = null; } return { addEvent: addEvent, removeEvent: removeEvent, }; })(); var hintUtil = (function (util) { function injectHostNameHint(hint, hostname) { if (util.isStringSet(hostname)) { try { var link = document.createElement("link"); link.rel = hint; link.href = hostname; var headElement = document.head || document.getElementsByTagName("head")[0]; headElement.appendChild(link); } catch (e) { } } } function isHintSupported(hint) { try { return document.createElement('link').relList.supports(hint); } catch (e) { } return false; } return { injectHostNameHint: injectHostNameHint, isHintSupported: isHintSupported }; })(util); var domUtil = (function (util) { function getHostnameFromUrl(url) { var urlParts; if (url.indexOf("//") > -1) { urlParts = url.split('/'); url = urlParts[0] + "//" + urlParts[2]; return url; } } /** * Extract hostname from the anchor element * @param element * @returns {string|*} */ function getHostnameOfAnchorElement(element) { if (util.isSet(element.origin)) { return element.origin; } else if (util.isSet(element.protocol) && util.isSet(element.hostname)) { return element.protocol + "//" + element.hostname; } else if (util.isSet(element.href)) { return getHostnameFromUrl(element.href); } } return { getHostnameOfAnchorElement: getHostnameOfAnchorElement }; })(util); var preconnectHandler = (function (hintUtil, eventLib, domUtil) { var preconnectedHostsList = {}; function injectSerpPreconnectHint(hostname) { hintUtil.injectHostNameHint("preconnect", hostname); addHostnameToPreconnectedList(hostname); } /** * Inject Serp Pre-connect hint for hostname's not pre-connected * Adds hostname to the list of pre-connected hostname's * Removes hostname from the list of pre-connected hostname's after timeout * @param event */ function preconnectEventHandler(event, element, preconnectEvent) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isPreconnectedHostname(hostname)) { injectSerpPreconnectHint(hostname); eventLib.removeEvent(element, "mouseover", preconnectEvent); eventLib.removeEvent(element, "touchstart", preconnectEvent); setTimeout(function () { removeHostnameFromPreconnectedList(hostname); attachHoverListener(element); }, 10000); } } /** * Add event to the element if the element's hostname is not pre-connected * @param element */ function attachHoverListener(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } function sanitizeCookieValue(value) { return encodeURIComponent(value).replace(/[^a-zA-Z0-9%]/g, ''); } /* * Read a cookie value * */ function get(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); if (end === -1) { end = document.cookie.length; } var cookieVal = document.cookie.substring(len, end); cookieVal = sanitizeCookieValue(cookieVal); return cookieVal; } /* * Create a cookie for forbes.com dommain * */ function set(name, value, expireInDays) { var today = new Date(), path = '/', domain = '.' + getSubDomain(); today.setTime(today.getTime()); if (expireInDays) { expireInDays = expireInDays * 1000 * 60 * 60 * 24; } var expireDate = new Date(today.getTime() + (expireInDays)); document.cookie = name + "=" + escape(value) + ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; var COOKIE_MKTP_CLIENT_ID = 'mktp_clientId'; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; function getNanoId(length = 20) { const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ"; length = Math.min(length, a.length); let result = ""; const randomValues = crypto.getRandomValues(new Uint8Array(length)); for (let i = 0; i < length; i++) { result += a[randomValues[i] % a.length]; } return result; } /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { return getNanoId(12); suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; var mktpClientId = __cookie.get(COOKIE_MKTP_CLIENT_ID); if(mktpClientId){ userid = mktpClientId; }else{ var prefix = (typeof mktpBase !== 'undefined' && mktpBase?.tidPrefix) ? mktpBase.tidPrefix : "FA"; userid = prefix + getNanoId(20); __cookie.set(COOKIE_MKTP_CLIENT_ID, userid, 365); } return userid; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var DAYS = { TWENTY_YEARS: 365 * 20, THIRTY: 30, ZERO: 0 }; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, DAYS.TWENTY_YEARS ); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, DAYS.ZERO); } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount = isNaN(userVisitCount) ? 1 : (userVisitCount + 1); //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, DAYS.ZERO) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || 'body a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST || hostName === LINKSYNERGY_HOST)) { if( hostName !== POLICYGENIUS_HOST ) { __prefetch.init(link); } //Generate Tracking ID var idsObj = getTrackingIdHash(); //append tracking id url = appendTrackingId(url, hostName, idsObj.tid); //set tracking attributes link = setAttributesToLink(link, { "href": url, "rel": "nofollow noopener", "target": "_blank", "data-uid": USER_ID_HASH, "data-cid": idsObj.uid, "data-tid": idsObj.tid, }); } } } } return { setCookie: setCookie, setTrackingId: setTrackingId, getUserIdHash: getUserIdHash, USER_ID_HASH: USER_ID_HASH, getUniqueId: getUniqueId, getTrackingIdHash: getTrackingIdHash } 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{ sizeArray: sizeArray, slotId: slotId, placeholderId: placeholderId, index: index, articleIndex: articleIndex, pageIndex: pageIndex, unitPath: unitPath, batch: articleIndex + "" + rowIndex }; slotMetaDataArray.push(slotMetaDetails); } } }); } } //send slots to dfp for each row if (slotMetaDataArray.length != 0) { defineDFPSlotBatches(slotMetaDataArray); } }); //send max 4 slots to dfp // while (slotMetaDataArray.length > 0) { // var chunkArray = slotMetaDataArray.splice(0,4); // defineDFPSlotBatches(chunkArray); // } } window.allSlots = {}; function defineDFPSlotBatches(slotMetaDataArray) { if (!!window.dfpdbg) { console.log('slotMetaDataArray', slotMetaDataArray); } var firstSlotMeta = slotMetaDataArray[0]; var batch = firstSlotMeta.batch; var placementMap = []; window.allSlots[batch] = []; slotMetaDataArray.forEach(function (meta) { placementMap.push({slotID: meta.slotId, sizes: meta.sizeArray}); defineSlot(meta); }); if (placementMap.length !== 0) { // callAmazon(placementMap, batch); // callApsOnError(batch); callGPT(placementMap, batch); } } //DFP Slot logic start window.defineSlotMap = {}; function defineSlot(slotMeta) { googletag.cmd.push(function () { var slotId = slotMeta.slotId; var slot = googletag.defineSlot(slotMeta.unitPath, slotMeta.sizeArray, slotId) .addService(googletag.pubads()) .setTargeting('pos', slotMeta.placeholderId) .setTargeting('slotId', slotId); // .setTargeting(slotMeta.placeholderId, slotMeta.index + '') // .setTargeting('pageIndex', slotMeta.pageIndex); googletag.display(slotId); window.allSlots[slotMeta.batch].push(slot); window.defineSlotMap[slotId] = true; }); } // function callApsOnError(batch) { // if (apsErrorLoading) { // googletag.cmd.push(function () { // googletag.pubads().refresh(window.allSlots[batch]); // }); // } // } // function callAmazon(placementMap, batch) { // apstag.fetchBids({ // slots: placementMap // }, function (bids) { // googletag.cmd.push(function () { // apstag.setDisplayBids(); // googletag.pubads().refresh(window.allSlots[batch]); // }); // }); // } function callGPT(placementMap, batch) { googletag.cmd.push(function () { googletag.pubads().refresh(window.allSlots[batch]); }); } var sections = document.getElementsByClassName('article-row'); function initDFPScrollhandler(callback, destroySlots) { _maddEventHandler(window, 'scroll', debounce(function () { var scrollTop = window.pageYOffset || document.documentElement.scrollTop; var direction = (scrollTop > previousScrollTop) ? 1 : -1; //downward scroll var large = 0; var largestVisibleElement = 0; for (var s = 0; s < sections.length; s++) { var section = sections[s]; var percentage = getVisibilityForElement(section); if (percentage > 99) { large = percentage; largestVisibleElement = section; break; } if (large < percentage) { large = percentage; largestVisibleElement = section; } } // console.log('lll ', largestVisibleElement, large, sections.length); if (largestVisibleElement) { var currentRowIndex = largestVisibleElement.getAttribute('data-index'); var dataPageIndex = largestVisibleElement.getAttribute('data-page'); var isDFPCalled = largestVisibleElement.getAttribute('data-dfp') || false; // Destroy old slots if (destroySlots === true) { destroyOldSlots(currentRowIndex, dataPageIndex); } if (!!isDFPCalled) { return; } if (callback && typeof (callback) === "function") { callback(direction, currentRowIndex, dataPageIndex); } largestVisibleElement.setAttribute("data-dfp", true); } previousScrollTop = scrollTop <= 0 ? 0 : scrollTop; }, 250)); } function destroyOldSlots(currentRowIndex, dataPageIndex) { var deleteOffset = 3; var articleIndex = dataPageIndex; var deleteRowIndex = currentRowIndex - deleteOffset; // To handle slides for previous article if (deleteRowIndex < 0 && articleIndex > 0) { // while(deleteRowIndex < 0 && articleIndex >= 0){} articleIndex = articleIndex - 1; if (slidesCountMap[articleIndex] >= 0) { deleteRowIndex = slidesCountMap[articleIndex] + deleteRowIndex; } } if (deleteRowIndex < 0) { return; } var batchNumber = articleIndex + "" + deleteRowIndex; //01 if (allSlots[batchNumber] && allSlots[batchNumber].length != 0) { // console.log('-- Destroy --'); // console.log('Row Index: ', deleteRowIndex); // console.log('BatchNumber -> ', batchNumber); googletag.cmd.push(function () { googletag.destroySlots(allSlots[batchNumber]); }); allSlots[batchNumber] = []; var slotIndexMap = placeholderIndexMap[batchNumber]; for (placeholderId in slotIndexMap) { // Eg: placeholderId = rec if (slotIndexMap.hasOwnProperty(placeholderId)) { var indexArray = slotIndexMap[placeholderId]; //Eg: [1,2] indexArray.forEach(function (index) { var slotId = placeholderId + "-" + articleIndex + "-" + index; // eg: rec-0-1 defineSlotMap[slotId] = false; // console.log('slotId -> ', slotId); }); } } var articleWrapper = document.getElementsByClassName('spa-article')[articleIndex]; if (!!articleWrapper) { var articleRow = articleWrapper.getElementsByClassName('article-row')[deleteRowIndex]; if (!!articleRow) { articleRow.removeAttribute('data-dfp'); } } // console.log('-- Destroy --'); } } function loadSingleUnit(posArray, articleIndex, parentID) { var slotMetaDataArray = []; var parentEle = null; if (parentID) { parentEle = document.getElementById(parentID); } else { parentEle = document; } posArray.forEach(function (pos) { var placeholderClass = getcssClass(pos); var parentDiv = parentEle.getElementsByClassName(placeholderClass); if (!!parentDiv.length != 0) { //create div var placeholder = document.createElement("div"); var slotId = pos + "-" + articleIndex; //rec-0 placeholder.id = slotId; placeholder.className = 'placeholder'; window.placeHolderMap[slotId] = true; parentDiv[0].appendChild(placeholder); var sizeArray = getSizeArray(pos); var meta = { sizeArray: sizeArray, slotId: slotId, placeholderId: pos, index: 1, articleIndex: articleIndex, pageIndex: 1, unitPath: unitPath, batch: articleIndex + "w" }; slotMetaDataArray.push(meta); } else { console.error('placeholder not found', placeholderClass); } }); if (slotMetaDataArray.length !== 0) { defineDFPSlotBatches(slotMetaDataArray); } } function refreshSlots(slots) { if (slots.length !== 0) { googletag.cmd.push(function () { googletag.pubads().refresh(slots); }); } } </script> <script> document.addEventListener('DOMContentLoaded', () => { document.querySelectorAll('.article-text a').forEach(item => { var linkValue = item.getAttribute('href'); if (linkValue) { var gaTrackingValue = "ExternalLink:" + linkValue; item.setAttribute('ga-data-track', gaTrackingValue) } }) }); </script><script> var deviceType = getDeviceTypeInNumber(window.deviceType); var posData = { rightRail: { placeholder: 'rail-ed-placeholder', sizes: [[300, 250], [300, 600], [1, 1], ['fluid']] }, editorialStream: { placeholder: 'editorialstream-ed-placeholder', sizes: [[820, 236], [620, 529], [300, 250], [620, 236], ['fluid']] }, afterBio: { placeholder: 'afterbio-ed-placeholder', sizes: [[300, 250], [300, 251], [300, 50], [320, 50], [1, 1], ['fluid']] }, afterContent: { placeholder: 'aftercontent-ed-placeholder', sizes: [[300, 250], [300, 50], [320, 50], [1, 1], ['fluid']] }, afterBottomBlock: { placeholder: 'afterbottomblock-ed-placeholder', sizes: [[300, 250], [1, 1], ['fluid']] } }; var selectors = { rightRail: '#right-rail', editorialStream: '#editorial-stream .edittools-stream', authorBioMobile: '#author-bio-mobile', mainContent: '#main-content', mostPopular: '#after-content', }; /** * This function will generate placeholders */ function generatePlaceholdersAfterElement(selector, elClassName) { var targetElement = $qs(selector); if (!!targetElement) { var el = createElement('div', { class: elClassName }); insertAfter(el, targetElement); } } function generatePlaceholdersInsideElement(selector, elClassName) { var targetElement = $qs(selector); if (!!targetElement) { var el = createElement('div', { class: elClassName }); targetElement.appendChild(el); } } /** * This function will generate placeholders */ function generateIncontentPlaceholders() { var articles = $qsa(selectors.editorialStream + '>li'); var totalArticles = articles.length; var articleRowIndex = 0; if (totalArticles > 0) { for (var i = 0; i < totalArticles; i++) { if ((i + 1) % 5 === 0) { var target = articles[i]; var parentWrapper = createElement('li', { id: 'stream-' + articleRowIndex, }); var wrapper = createElement('div', { class: posData.editorialStream.placeholder, style: 'text-align:center;' }); parentWrapper.appendChild(wrapper); insertAfter(parentWrapper, target); articleRowIndex++; } } } } /** * This function will generate placehoders for template based on device */ function generateTemplatePlaceHolders() { if (deviceType !== 3) { generatePlaceholdersInsideElement(selectors.rightRail, posData.rightRail.placeholder); // generateIncontentPlaceholders(); } else { generatePlaceholdersAfterElement(selectors.authorBioMobile, posData.afterBio.placeholder); generatePlaceholdersAfterElement(selectors.mainContent, posData.afterContent.placeholder); generatePlaceholdersAfterElement(selectors.mostPopular, posData.afterBottomBlock.placeholder); } } generateTemplatePlaceHolders(); //dfp setup window.dfpConfig = { 1: { 'recx': { 'size': posData.rightRail.sizes, 'cssClass': posData.rightRail.placeholder }, 'rec': { 'size': posData.editorialStream.sizes, 'cssClass': posData.editorialStream.placeholder }, }, 2: { 'recx': { 'size': posData.rightRail.sizes, 'cssClass': posData.rightRail.placeholder }, 'rec': { 'size': posData.editorialStream.sizes, 'cssClass': posData.editorialStream.placeholder }, }, 3: { 'mobilerec': { 'size': posData.afterBio.sizes, 'cssClass': posData.afterBio.placeholder }, 'mobilex': { 'size': posData.afterContent.sizes, 'cssClass': posData.afterContent.placeholder }, 'rec': { 'size': posData.afterBottomBlock.sizes, 'cssClass': posData.afterBottomBlock.placeholder }, } }; 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