Cathy Ellwood has been around long enough to know that technology innovations are not for everyone. Still, ignoring tools such as those available under the heading of social media can be perilous.

Ellwood, senior director, at Nationwide Insurance, will speak at a breakout session: "Social Networking and Personal Branding" at 9:45 a.m. this morning.

"The reality is when people first start using any type of technology it depends on what it does for you and what you are trying to do," says Ellwood. "In today's environment of increased competition and trying to get your name out there, trying to get jobs, and trying to build an image, you have to use every resource available."

Social media is not just for the young. Ellwood believes it is "generation neutral" thanks to the Internet.

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