Saturday School: What the Heck Is ‘Human Capital’?

In the modern economy, human capital can spell the difference between business success and failure. But what does the term really mean? Watch this short video to find out.

Photo by Monkey Business Images / Shutterstock.com

For many years, business succeeded or failed based on their access to capital: the land, buildings, tools and equipment that made an enterprise productive and competitive.

All of that is still true. But today, we live in the age of “human capital.” What exactly does that mean? Watch this Khan Academy video to learn more about the factors that make up human capital.

Click here to subscribe to our YouTube channel!

How have you increased your “human capital” over the years? Share your tips in the comments below or on our Facebook page.

826 Active Deals

Clearance at Pier 1 Imports: Up to 90% off + free shipping w/ $49

Pier 1 Imports takes up to 90% off its selection of clearance items. (Prices are as marked. Click "Clearance & Sale" to see these offers.) Shipping starts at $5, but orders of $49 or more qualify for free shipping via coupon code "FREESHIP49". (In-store pickup my also be available for a number of items.)

Clearance at Pier 1 Imports: Up to 90% off + free shipping w/ $49

Pier 1 Imports takes up to 90% off its selection of clearance items. (Prices are as marked. Click "Clearance & ... Read more.

Updated: 3 days 22 hr ago

That Daily Deal September Stupid Good Deals for free

That Daily Deal offers access to its September Extreme Stupid Good Deals for free. That's tied with our May mention, a $5 savings, and the best deal we could find. Through September, you'll receive access to exclusive rapid-fire deals, and everything you order during this time will be shipped together. Deal ends September 30.

Note: Although this is a free offer, you will need to enter credit card information to get this deal.

That Daily Deal September Stupid Good Deals for free

That Daily Deal offers access to its September Extreme Stupid Good Deals for free. That's tied with our May mention, ... Read more.

Updated: 4 days 2 hr ago

Stanley 11.5" Wheeled Tool Box for $17 + pickup at Lowe's

With price varying by ZIP code, Lowe's offers the Stanley 11.5" Plastic Lockable Wheeled Tool Box for $17.49. Opt for in-store pickup to avoid the $79 shipping charge. That's the best price we could find by $42. It features two top lid organizers.

Stanley 11.5" Wheeled Tool Box for $17 + pickup at Lowe's

With price varying by ZIP code, Lowe's offers the Stanley 11.5" Plastic Lockable Wheeled Tool Box for $17.49. Opt for ... Read more.

Updated: 5 days 4 hr ago

Google Play offers downloads of the Grace Potter & The Nocturnals MP3 Album for free. That's a savings of $8 for this 14-track album.

Grace Potter & The Nocturnals MP3 Album for free

Google Play offers downloads of the Grace Potter & The Nocturnals MP3 Album for free. That's a savings of $8 ... Read more.

Updated: August 7, 2018

Lacoste Last Chance Semi-Annual Sale:: 30% to 50% off + free shipping w/ $75

Lacoste cuts 30% to 50% off a selection of men's, women's, and kids' items during its Semi-Annual Sale. (Select "Sale" from the menu on the left-hand side to see the deals.) Shipping adds $8 or get free shipping on orders of $75 or more. Some exclusions may apply.

Lacoste Last Chance Semi-Annual Sale:: 30% to 50% off + free shipping w/ $75

Lacoste cuts 30% to 50% off a selection of men's, women's, and kids' items during its Semi-Annual Sale. (Select "Sale" ... Read more.

Updated: August 20, 2018

Nike at Nordstrom Rack: Up to 80% off + free shipping w/ $100

Nordstrom Rack takes up to 80% off a selection of Nike men's, women's, and kids' shoes and apparel. (Prices are as marked.) Shipping starts at $7.95, but orders of $100 or more qualify for free shipping. A couple of best bets:

Nike Kids' Downshifter 7 Sneakers for $18.20 (low by $19)

Nike Men's Air Max Command Sneakers for $77.97 (pictured, $14 off)

Nike at Nordstrom Rack: Up to 80% off + free shipping w/ $100

Nordstrom Rack takes up to 80% off a selection of Nike men's, women's, and kids' shoes and apparel. (Prices are ... Read more.

Updated: August 7, 2018

Apple Announces New iPhone XS and XS Max from $999 to $1,499

Today, Apple announced its brand new iPhone XS and iPhone XS Max Smartphones. Both phones will feature:

A12 Bionic chip — the industry's first 7 nanometer processor

3D Touch and a speed-enhanced Face ID

Super Retina display

IP68 water-resistance rating (it's waterproof up to 6.5 feet for up to 30 minutes)

Dolby Vision and HDR10

Dual 12MP rear cameras with wide and telephoto lenses plus 7MP front-facing camera

Dual SIM card slots

iOS 12

As for their differences, the iPhone XS will have a 5.8" 2436x1125 OLED, while the iPhone XS Max will have a 6.5" 2688x1242 OLED (the largest one ever). Both phones will come in three colors (Gold, Space Grey, and Silver) and three capacities (64GB, 256GB, and 512GB).

Update: Pricing is as follows for unlocked phones:

iPhone XS 64GB for $999

iPhone XS 256GB for $1,149

iPhone XS 512GB for $1,349

iPhone XS Max 64GB for $1,099

iPhone XS Max 256GB for $1,249

iPhone XS Max 512GB for $1,499

Preorders open at 3 am ET on September 15; the phones will be released on September 21.

Also announced today:

Apple iPhone XR

Apple Watch Series 4

Apple Announces New iPhone XS and XS Max from $999 to $1,499

Today, Apple announced its brand new iPhone XS and iPhone XS Max Smartphones. Both phones will feature: A12 Bionic chip ... Read more.

Updated: 1 week 4 days ago

Walmart discounts over 143,000 items as part of its Summer Rollbacks Sale. Opt for in-store pickup to avoid a $5.99 shipping fee, or spend $35 or more for free shipping. A couple of best bets:

Lasko 16" Oscillating Pedestal Stand 3-Speed Fan in White for $18.84 + pickup (low by $7)

Muscle Rack 48" x 24" x 72" 5-Shelf Steel Shelving for $57.87 $55.87 (low by $19)

Walmart Summer Rollbacks

Walmart discounts over 143,000 items as part of its Summer Rollbacks Sale. Opt for in-store pickup to avoid a $5.99 ... Read more.

Updated: August 15, 2018

Proctor & Gamble offers up to four a Charmin Toilet Paper Roll Extender for free when you fill out this short form. That's tied with our mention from two weeks ago. (A similar extender costs $11.50 elsewhere.) They feature extended tabs to hold larger rolls of toilet paper. Expect them to arrive in two to three weeks.

Update: Available quantities are now limited to one per person.

Charmin Toilet Paper Roll Extender for free

Proctor & Gamble offers up to four a Charmin Toilet Paper Roll Extender for free when you fill out this ... Read more.

Updated: August 3, 2018

As a result of a class action settlement, customers who purchased select Babyganics products may be entitled to a full or partial refund. The suit alleges that Babyganics falsely advertised their products as "mineral-based", "natural", "plant-based", "tear-free", and "SPF 50+".

Affected customers must have purchased these items between September 7, 2010 to June 26, 2018. Claims must be filed by October 29. Click here to read more about this settlement.

Babyganics Class Action Settlement

As a result of a class action settlement, customers who purchased select Babyganics products may be entitled to a full ... Read more.

Updated: August 9, 2018

Sorel Online Boot Specials: Up to 70% off + free shipping

Sorel takes up to 70% off a selection of its Sorel men's, women's, and kids' boots via coupon code "SOREL70" during its Online Boot Specials Event. (The discount applies to the item's original price; it doesn't stack with the sale price.) Plus, all orders receive free shipping. Deal ends September 30.

Sorel Online Boot Specials: Up to 70% off + free shipping

Sorel takes up to 70% off a selection of its Sorel men's, women's, and kids' boots via coupon code "SOREL70" ... Read more.

Updated: 4 days 56 min ago

Refurbished Dell OptiPlex 7010 Desktops from $130 + free shipping

Dell Refurbished Store takes 50% off a selection of its refurbished Dell OptiPlex 7010 desktop PCs via coupon code "7010DEAL4U", with prices thereafter starting from $119.50 $129.50. That's the best starting price we've seen on these models. Plus, these items bag free shipping. Deal ends September 25.

Note: Dell refurbished systems are covered by a 100-day Dell warranty.

Refurbished Dell OptiPlex 7010 Desktops from $130 + free shipping

Dell Refurbished Store takes 50% off a selection of its refurbished Dell OptiPlex 7010 desktop PCs via coupon code "7010DEAL4U", ... Read more.

Updated: 3 days 2 hr ago

Walmart Back to College Sale: + free shipping w/ $35

Walmart discounts select laptops, furniture, decor, small appliances, and more during its Back to College Sale. Opt for in-store pickup to avoid the $5.99 shipping fee, or spend $35 or more to receive free shipping. A couple of best bets:

Acer Intel Braswell Celeron 1.6GHz 15.6" Chromebook for $149 (pictured, $50 off)

Sharp 50" 4K HDR LED UHD Smart TV for $279.99 ($120 off)

Walmart Back to College Sale: + free shipping w/ $35

Walmart discounts select laptops, furniture, decor, small appliances, and more during its Back to College Sale. Opt for in-store pickup ... Read more.

Updated: August 21, 2018

Serta Dream Convertible Avanzo Sofa for $507 + free shipping

Hayneedle via Walmart offers the Serta Dream Convertible Avanzo Sofa in Java for $506.91 with free shipping. That's the lowest price we could find by $123. It converts into a bed and has a hidden storage compartment.

Serta Dream Convertible Avanzo Sofa for $507 + free shipping

Hayneedle via Walmart offers the Serta Dream Convertible Avanzo Sofa in Java for $506.91 with free shipping. That's the lowest ... Read more.

Updated: 2 weeks 2 days ago

Refurb Sharp 55" 4K LED HDR Smart TV for $247 + pickup at Walmart

Walmart offers the refurbished Sharp 55" 4K Flat LED HDR Smart Television for $249.99. It falls to $247.47 when you choose in-store pickup. That's the lowest price we could find by $42 and the cheapest Sharp 55" 4K Smart TV we've seen. Features:

3840x2160 resolution

801.11ac wireless

Smart apps

USB, 3 HDMI inputs

Note: A 90-day Walmart warranty applies.

Refurb Sharp 55" 4K LED HDR Smart TV for $247 + pickup at Walmart

Walmart offers the refurbished Sharp 55" 4K Flat LED HDR Smart Television for $249.99. It falls to $247.47 when you ... Read more.

Updated: 2 hr 56 min ago

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Udemy offers the Learn to Code with Ruby Course for $11.99. Coupon code "RUBYONE" makes it free. That's a savings of $200 off list price. It features over 30 hours of coding lectures.

Learn to Code with Ruby for free

Udemy offers the Learn to Code with Ruby Course for $11.99. Coupon code "RUBYONE" makes it free. That's a savings ... Read more.

Updated: 7 hr 16 min ago

Lucky Brand takes up to 75% off select men's and women's styles (Prices are as marked.) Shipping adds $5, although orders of $25 $75 or more get free shipping. Men's and women's jeans start at $19.99, T-shirts start at $9.98, and dresses start at $21.99 $29.98.

Note: Many of these styles are final sale and cannot be exchanged/returned.

Lucky Brand Sale: Up to 75% off + free shipping w/ $75

Lucky Brand takes up to 75% off select men's and women's styles (Prices are as marked.) Shipping adds $5, although ... Read more.

Updated: August 19, 2018

Zara Women's Sale: Up to 80% off + free shipping w/ $50

Zara takes up to 80% off a selection of women's sale styles. (Prices are as marked.) Shipping adds $4.95, or spend $50 or more for free shipping. Some exclusions may apply.

Zara Women's Sale: Up to 80% off + free shipping w/ $50

Zara takes up to 80% off a selection of women's sale styles. (Prices are as marked.) Shipping adds $4.95, or ... Read more.

Updated: September 3, 2018

Sony PlayStation Classic Console preorders for $100 + free shipping

Best Buy is offering preorders of the Sony PlayStation Classic Console for $99.99 with free shipping. It's the only major retailer currently offering this newly-announced console. It will include 20 bundled games, two controllers, and a HDMI cable.

It's due for release on December 3.

Update: Walmart and GameStop now match this preorder price.

Update 2: It's now out of stock at Best Buy, but can still be preordered at GameStop and Walmart for $99.99 with free shipping.

Sony PlayStation Classic Console preorders for $100 + free shipping

Best Buy is offering preorders of the Sony PlayStation Classic Console for $99.99 with free shipping. It's the only major ... Read more.

Updated: 3 hr 32 min ago

Lens Cloth and Cleaner for free + at Walmart stores

Walmart Vision Center offers a Lens Cloth and Cleaner for free when you present this printable coupon. Click here to find the nearest Walmart Vision Center. Offer is good while supplies last.

Lens Cloth and Cleaner for free + at Walmart stores

Walmart Vision Center offers a Lens Cloth and Cleaner for free when you present this printable coupon. Click here to ... Read more.

Updated: August 13, 2018

BaoFeng Dual-Band 2-Way Radio for $20 + free shipping

Gadgettown via eBay offers the BaoFeng UV-5R Dual-Band Walkie Talkie 2-Way Radio for $19.99 with free shipping. That's the lowest price we could find by $4. It features 128 channels for UHF and VHF frequencies and an LED flashlight.

Note: This item ships from China and may take up to two weeks to arrive.

BaoFeng Dual-Band 2-Way Radio for $20 + free shipping

Gadgettown via eBay offers the BaoFeng UV-5R Dual-Band Walkie Talkie 2-Way Radio for $19.99 with free shipping. That's the lowest ... Read more.

Updated: 5 days 18 hr ago

Wet and Forget Shower Cleaner 64-oz. Bottle for $14 + pickup at Walmart

Walmart offers the Wet and Forget Weekly Shower Cleaner 64-oz. Bottle for $13.97. Choose in-store pickup to avoid the $5.99 shipping fee. That's tied with last week's mention and is the lowest price we could find by $4.

Wet and Forget Shower Cleaner 64-oz. Bottle for $14 + pickup at Walmart

Walmart offers the Wet and Forget Weekly Shower Cleaner 64-oz. Bottle for $13.97. Choose in-store pickup to avoid the $5.99 ... Read more.

Updated: August 31, 2018

iPhone XR Announced, Priced From $749 for $749

Today, Apple announced its new Apple iPhone XR Smartphone. A spiritual successor to the iPhone 8, although more similar to the iPhone X, it features:

A12 Bionic chip (shared with the higher-end iPhone XS)

6.1" Liquid Retina 1792x828 LCD display

Advanced Face ID

single-lens, 12MP rear camera with depth control and Smart HDR

7MP front camera with Animoji and Memoji

dual SIM card slots

iOS 12

six color choices, including a (Product) RED version

It's available with three capacity options: a 64GB model for $749, a 128GB model for $799, or a 256GB model for $899. All three will be released on October 26, with preorders launching on October 19.

Also announced today:

Apple iPhone XS and iPhone XS Max

Apple Watch Series 4

iPhone XR Announced, Priced From $749 for $749

Today, Apple announced its new Apple iPhone XR Smartphone. A spiritual successor to the iPhone 8, although more similar to ... Read more.

Updated: 1 week 4 days ago

In select areas, Walmart Grocery takes $10 off orders of $50 or more via coupon code "KINDNESS". That's tied with our mention from July as the best deal we've seen on smaller orders from Walmart Grocery. This service allows customers to have their groceries delivered or ready for pickup depending on ZIP code. Coupon ends October 31.

Walmart Grocery Coupon: $10 off $50

In select areas, Walmart Grocery takes $10 off orders of $50 or more via coupon code "KINDNESS". That's tied with ... Read more.

Updated: 1 week 21 hr ago

Versace Shoes at Nordstrom Rack: 70% off + free shipping

Nordstrom Rack takes 68% to 75% off select Versace sneakers and dress shoes, with prices starting from $175 $179.97. Plus, all orders bag free shipping. A couple of best bets:

Versace Men's Spazzolato Leather Double Monk Strap Shoes for $175 (low by $33)

Versace Collection Men's Cap Toe Shoes for $179.97 (pictured, $445 off)

Versace Shoes at Nordstrom Rack: 70% off + free shipping

Nordstrom Rack takes 68% to 75% off select Versace sneakers and dress shoes, with prices starting from $175 $179.97. Plus, ... Read more.

Updated: 2 weeks 6 days ago

Samsonite Windguard Auto Open Umbrella for $15 + free shipping

Samsonite via eBay offers its Samsonite Windguard Auto Open Umbrella in Blue or Black for $14.99 with free shipping. That's the lowest price we could find by $5. Features include:

Teflon-coated canopy

2-section steel shaft

17" folded length

Samsonite Windguard Auto Open Umbrella for $15 + free shipping

Samsonite via eBay offers its Samsonite Windguard Auto Open Umbrella in Blue or Black for $14.99 with free shipping. That's ... Read more.

Updated: 38 min ago

Apple iPhone XS 64GB 4G Smartphone for Sprint for $0/mo. after trade-in + free shipping

With an eligible trade-in and activation on a Sprint Flex 18-month lease, Sprint offers the Apple iPhone XS 64GB 4G LTE Smartphone for Sprint for $0 per month for 18 months with free shipping. Excluding the trade-in value, that's $540 less than what you'd pay with T-Mobile ($30/mo.) and the best iPhone XS deal we've listed yet. (It costs $999.99 to buy without a contract.) Deal ends September 27.

Note: The price above is subject to credit approval. Additional fees may also apply.

Apple iPhone XS 64GB 4G Smartphone for Sprint for $0/mo. after trade-in + free shipping

With an eligible trade-in and activation on a Sprint Flex 18-month lease, Sprint offers the Apple iPhone XS 64GB 4G ... Read more.

Updated: 3 days 7 hr ago

Columbia Men's Rugged Ridge Long Sleeve Crew for $16 + free shipping

Columbia offers its Columbia Men's Rugged Ridge Long Sleeve Crew in several colors (Deep Rust Heather pictured) for $19.90. Coupon code "COLUMBIA60" drops it to $15.92. Plus, Greater Rewards members receive free shipping. (Not a member? It's free to sign up.) That's the lowest price we could find by $12. It's available in sizes S to XXL. Deal ends October 2.

Columbia Men's Rugged Ridge Long Sleeve Crew for $16 + free shipping

Columbia offers its Columbia Men's Rugged Ridge Long Sleeve Crew in several colors (Deep Rust Heather pictured) for $19.90. Coupon ... Read more.

Updated: 4 hr 6 min ago

LED Grimace Fluorescent Mask for $7 + free s&h from China

TomTop offers this LED Cold Light Flash Grimace Fluorescent Mask in several colors (Pink pictured) for $6.99. With free shipping, that's the lowest price we could find by a buck. Deal ends September 30.

Note: This item ships from China and may take up to four weeks to arrive.

LED Grimace Fluorescent Mask for $7 + free s&h from China

TomTop offers this LED Cold Light Flash Grimace Fluorescent Mask in several colors (Pink pictured) for $6.99. With free shipping, ... Read more.

Updated: 1 week 4 days ago

13 Deals offers 8-Pairs of Name Brand Sunglasses for $12.49 with free shipping. That's $1.56 per pair, $148 off, and tied with last week's mention as the lowest price we could find. They're available in women's or boys' styles and include brands such as Foster Grant, Revlon, ESPN, X Games, and Panama Jack.

8-Pairs of Name Brand Sunglasses for $12 + free shipping

13 Deals offers 8-Pairs of Name Brand Sunglasses for $12.49 with free shipping. That's $1.56 per pair, $148 off, and ... Read more.

Updated: August 20, 2018

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