Who is Hilary Rowland? Buisness Insider labeled her as one of the sexiest CEOs alive, while Wired magazine calls her the sexiest geek. But she is more than just a pretty face. Hilary started out writing a very early form of a blog, and then learned code and web design to create the first women's magazine online. She plans to re-launch the magazine in 2010 as Urbanette Magazine, which she says better describes the focus as "A magazine for the smart, stylish and successful urban woman."

BloggingStocks: What advice would you give to emerging internet entrepreneurs?

Hilary Rowland: I would say that they need a unique idea, and a solid revenue plan. Don't get discouraged. Starting a successful business takes more work than you think but it's doable if you have the will and determination to keep pushing yourself until you've reached your goal. Make sure you have a viable business plan that fills a gap in the market or is an innovative approach. Think everything out thoroughly.

Bloomberg News reports that Brazilian supermodel Gisele Bundchen refuses to be paid in dollars. In addition to landing undefeated (9-0) New England Patriots quarterback Tom Brady -- although that relationship could be on the rocks -- she is one savvy currency trader.

Gisele Bundchen is proving to be a shrewd analyst of the U.S. dollar's weakness. When Bundchen signed a contract in August to represent Pantene hair products for Procter & Gamble Co. (NYSE: PG), she demanded payment in euros. She'll also get euros for the deal she reached last October with Dolce & Gabbana SpA in Milan to promote the Italian designer's new fragrance.

"Contracts starting now are more attractive in euros because we don't know what will happen to the dollar," Patricia Bundchen, the model's twin sister and manager in Brazil, said in a telephone interview in September from Sao Paulo.

Those Bundchens are smart cookies! Too bad I can't say the same for Treasury Secretary Hank Paulson and his strong dollar policy.

Citigroup, Inc. (NYSE: C) saw a 57% drop in its Q3 profit as reported yesterday, which unfortunately should not come as any surprise to long-term watchers of the financial services company. I continue to be amazed that current CEO Chuck Prince, who took over from the legendary Sandy Weil four years ago, has lasted this long with the up-and-down performance levels he led the company to in his tenure.

Peter wrote on this a few weeks back, and it's something I completely agree with. As a shareholder in this company, I'm calling for change. Wait, I did that already (years ago). Perhaps my luck will change after this summer's credit crunch sacked Citi in the gut.

Let's pour some more salt in the wound: after yesterday's quarterly meltdown, the financial services behemoth acknowledged that the risk management models it has in place to prevent the kind of nuttiness bestowed upon it by the subprime lending situation that's still underway failed the company.

This post is part of our Money Face-Offs feature. Let us know who you think comes out ahead in this head-to-head match-up, and check out our other Money Face-Off posts.

As executive producers and hostesses of America's Next Top Model and Project Runway, respectively, Tyra Banks and Heidi Klum have proven that they are much more than just the pretty faces that catapulted them both to fame and fortune on the runway and in the pages of fashion magazines. On the former show, contestants long to hear their mentor, "Miss Tyra," tell them they are "still in the running to become America's Next Top Model." Runway contestants are informed that "You're either in ... or you're out" and cringe if they hear German-born Heidi eulogize: "I'm sorry, you're out ... auf wiedersehen."

The 33-year-old Banks -- featured on Time magazine's list of the world's 100 most influential people in 2006 and 2007 -- certainly keeps busy, hosting her own syndicated daytime eponymous talk show in addition to her efforts on Model, an addictive primetime competitive reality show that airs on The CW network -- a collaboration between CBS Corp. (NYSE: CBS) and Time Warner's (NYSE: TWX) Warner Brothers Entertainment Unit.