My name is Ann Lloyd and I’m an MBA grad student earning my degree online. In my spare time I'm hard at work on the Student Savings Guide, my blog about living a budget-conscious life. The guide caters to students and recent college grads, but anyone can use these tips to save and succeed.
Eetu Niemi works as an IT consultant in Helsinki, Finland. He is currently a partner at the boutique enterprise architecture consultancy, Coala. With more than 12 years of consulting experience, he has helped his clients reach better informed decisions and make realistic development plans—without resorting to over-optimism and guesswork. He holds a MSc in economics and a PhD for his work on enterprise architecture.

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