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**Getty Images**Mark Pincus, chief executive officer and founder of Zynga.

Update: Zynga has confirmed the layoffs via press release, as well as the numbers (520 layoffs or 18 percent of the workforce) reported by AllThingsD.

The company says this was result in $70 million to $80 million in annualized pre-tax savings. Despite those savings, its guidance for its second quarter earnings is a loss between $39 million and $28.5 million.

In a note to employees, CEO Mark Pincus described this as a "proactive" move that will "offer our teams the runway they need to take risks and develop these breakthrough new social experiences" on mobile and touchscreen devices.

My original post, which went up before the company confirmed the news, follows.

It looks like Zynga is in the midst of laying off one-fifth of its workforce.

At the end of last week, we heard that the company would be laying off 20 percent of its worldwide staff today,专业玛瑙手镯零售, and that a number of Zynga's global offices would be affected. A Zynga spokesperson declined to comment, but we've seen the first public sign that the layoffs are underway: A Zynga UI designer just tweeted that Zynga L.A. will be closing,玛瑙手镯批发, with about 55 employees let go.

This isn't the first time Zynga has had significant cuts. Last fall, CEO Mark Pincus said the company would be reducing costs, and it subsequently laid off 5 percent of its staff. The company has also eliminated some of its less successful titles (and even some unreleased ones), though executives have also said that the number of new game launches should pick up again later this year.

As of its last quarter,专业手镯批发，实惠的价格，超赞的品质。, Zynga had 2,902 full-time employees. That's probably slightly off by now, but if the 20 percent number that we've been hearing is accurate, then around 580 employees will be affected.

Zynga's revenue and usage statistics continued to decline in its most recent earnings report, with Pincus describing this as a "transition year" as the company shifts its focus to mobile.

玛瑙手镯零售 Link to less exotic indices

Is there a battle royal brewing in the world of investment funds? Exchange-traded funds are suiting up in the locker room,玛瑙手镯零售, preparing to challenge mutual funds' dominance. A recent report from Deloitte, says that ETFs could in time bulk up with some of the serious monetary muscle we call market share.

ETFs have become popular with investors due to their fee structure, tax efficiency and level of transparency, says Craig Stier, U.S. leader of Deloitte Asset Management Services Practice and author of the paper. They have also made it easier for retail investors to invest in individual commodities like oil and gold. "These are some reasons perhaps why ETFs have weathered the sharp slowdown in markets better than mutual funds," says Stier.

As a result, ETF net assets are nearly $500 billion, and there is a high likelihood that the asset growth slope they have displayed in recent years will return once markets stabilize. Based on current industry trends, Stier foresees the following:

What does all this mean? While ETFs are not expected to surpass open-ended mutual funds' assets under management, they are expected to capture a significant percentage of current and future investment capital. Research suggests that for the typical portfolio, 10% of total assets will shift out of mutual funds, and most of this reallocation is expected to move into ETFs, says Stier.

Why? Several reasons:

While mutual funds have a 69-year head start and are much larger than ETFs,手镯批发, retail and institutional investors and advisors are ensuring that ETFs will be one of the fastest-growing investment products of the future, says Stier. But in order to move from lady in waiting to potential champ, ETFs will have to expand their investor friendly attributes beyond transparency and low costs, he says.

The way Stier sees it, there are tactical moves that could enhance ETFs position. Among the ideas has in mind are:

Link to less exotic indices. "Some of the best performing ETFs are linked to less exotic indices such as commodities and equities," says Stier. The data shows that exotic funds on average have not performed as well as regular ETFs. This is not to say exotic funds have not performed well, but exotic ETFs are difficult for average investors to understand. Simpler is better, and simpler betas are cheaper than their more exotic counterparts.

Think long-term. ETFs should focus on indices with long-term appeal. There are a number of ETFs that have been launched to benefit from a current market situation. Inverse financial sector ETFs, for example, profit from the ailing financial sector. However, most investors recognize that these ETFs have a limited shelf life. Being linked to an index with a long-term appeal is usually more attractive to investors, particularly retail investors.

Go after the 401(k) crowd. One barrier to 401(k) funds investing in ETFs is their higher costs compared to index mutual funds. Given that 401(k) assets will probably reach $7.5 trillion to $8.5 trillion in 2015, ETF sponsors should make themselves 401(k) friendly,玛瑙手镯批发, allowing them to tap into this huge pool of assets, which for now primarily invests in mutual funds.

At some point, Stier says he foresees ETFs possibly crossing over into the hedge fund arena.

With half of all ETFs falling short of the $50 million in minimum assets required to maximize profitability, attracting capital will be key to remaining competitive. For now though, clearly "it's on."

玛瑙手镯批发 net worth

April is , and our goal is to help you raise your money IQ. In this series, we'll tackle key economic concepts -- ones that affect your everyday finances and investments -- to help you make smarter choices with every dollar decision you face.

Today's term: net worth.

In a nutshell, net worth is what you get when you subtract liabilities from assets -- what you owe from what you own. Like many economic and financial terms, net worth can apply in a variety of situations.

If you're evaluating a company for your portfolio,you might glance at its balance sheet to get a handle on its net worth. Balance sheets break out assets (such as cash, inventory, and receivables) and liabilities (such as debt and accounts payable). Subtracting the latter from the former gives you net worth, which is also referred to in this context as shareholders' equity or book value.

Here's an example: As of the end of 2012, IBM's () assets totaled $119 billion, and its liabilities totaled $100 billion. Thus, its net worth, or shareholders' equity, was $19 billion.

Net Worth in Our Lives

Each of us has an individual net worth, too, and it's arrived at in similar fashion.

First, grab a sheet of paper and list all your assets. These would include the contents of your bank accounts, your investments, the equity you have in your home, your retirement accounts, the current value of your car(s), the value of your jewelry, the contents of your wallet or purse,玛瑙手镯批发, and so on. Be thorough -- your sizable board game collection might be worth several thousand dollars,手镯零售, for example.

Next, list all your liabilities, or debts. These would include what you owe on your mortgage or car loan, your , any school loans outstanding, and any other debt, such as a home equity loan.

Finally,纯天然手镯, subtract the liabilities from the assets. What's left is your net worth.

Ideally, your net worth is positive and will grow over time. If your net worth is in negative territory, that's not great, but by saving aggressively, paying down your debts, and being careful in your spending you can .

How Does Your Net Worth Compare?

For the record, a these days is between $100,000 and $200,000.

The aggregate net worth of Americans has risen recently and is finally back to . But much of those gains have gone to wealthy Americans and can be traced to the stock market's recovery.

Middle-class Americans have about two-thirds of their net worth represented by their home equity, and home values have not recovered as much as the stock market at this point. The Dow Jones Industrial Average has more than doubled since its bottom about four years ago, while the national average home price is still some 30 percent below its peak.

Other Reasons You Should Know Your Net Worth

Knowing your net worth has practical value beyond just highlighting what you own and what you owe.

It can also give you an idea of how well you're doing at . (Don't let seemingly large sums fool you -- even a million dollars at retirement .)

Net worth also matters when we engage in , as our estate is essentially our net worth. Deciding how to organize and manage your assets to minimize taxes and make things easy for your loved ones depends to some degree on the size of your estate, or net worth.

So go ahead and calculate your net worth and see where you stand.

Motley Fool contributor Selena Maranjian has no position in any stocks mentioned. The Motley Fool owns shares of International Business Machines. Try any of our newsletter services .

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专业玛瑙手镯零

玛瑙手镯零售 Link to less exotic indices

玛瑙手镯批发 net worth