Author: Daniel Agnew
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Tags: Web Designers , Web Developers , Website Hosting Services , SEO , Advertising , Websites
As an IT Professional and a website designer I talk with many companies and small businesses about the importance of advertising and marketing on the internet. It is still to my surprise how many businesses are weary of spending the money on creating a website for online advertising. Before we move any further lets be clear about one thing. Online advertising is an incredibly low cost, low maintenance option that businesses have available. It is shocking to me how much businesses will spend monthly to be listed in multiple phone books for the same circulation area. I have several customers that have admitted to me that they spend at least $300 per month per phone book for a small two inch square space. These businesses are listed in three phone books and are spending about $900 dollars a month in phone book advertising that in todays society most people just throw away. However, after the initial setup of the website which can cost from $500 and up (for a good design), the monthly maintenance cost is extremely low in comparison. For domain registration and website hosting you should expect to pay between $50 and $100 per year in addition to any monthly maintenance or updating fee you may pay to a web design or SEO company. With the advances in todays technology phone books are becoming less of research tool and more of a paper weight while the internet increasingly becomes a point of reference for information for people. Now please be aware I am not advocating pulling all of your advertising out of phone books and investing solely in the internet, just carefully consider weighing the options. You might find that you can reduce your print advertising a very small portion and be able to afford a low maintenance website. In
Imagine the structure of your house: there’s a foundation, a frame, a roof and the siding. What would happen to your home if one of those major pieces was missing? Now imagine your financial situation as also being comprised of equally important parts. These parts can be more generally broken down into your assets and liabilities, your protection from risk, your investments, and your tax situation.
Together, these parts reinforce your financial foundation so that you can be more prepared to protect and preserve your wealth in tough economies and volatile market conditions. But, without one of these important parts, your financial foundation is less stable and could be exposed to challenges that may arise in the future. These vulnerabilities in your financial situation can wreak havoc on your long-term objectives, your family, and your lifestyle.
By taking into account your current financial situation including your assets and liabilities, your protection needs, your investments, and your tax situation, while exploring options on solidifying your financial core, you can protect yourself from setbacks along the way and pursue your future goals more confidently.
Let’s start with the basics – assets and liabilities
Your income is central to pursuing all your goals. Basic financial principles dictate that what you bring in must exceed what you send out. All the excess income should be applied toward your investment goals and simultaneously to build and emergency cash reserve, and pay down debt such as your mortgage and credit cards.
Build your cash reserve You must have cash available when you need it for emergency situations. So when something unexpected happens such as a job loss, you can pay your day-to-day expenses without tapping into your assets that are set aside for your long-term financial goals. That’s why it is critical to have a systematic savings strategy to build an emergency cash fund of at least 6 months. This way you will be able to cover short- and long-term emergencies.
Your short-term reserve will cover frequent minor emergencies such as a leaky roof or car repairs. Your long-term cash reserve is for more significant changes such as a job loss or
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Internet Marketing refers to the promotion of products and services over the internet. There are many who opt for online marketing for promotion of their business. Web has introduced many advantages to marketing. Few of them are lower cost and ability to have access to wider client base. Along with benefits, the medium that is interactive in nature brings various challenges.
There are many challenges to confront and surpass in the web business. The main area of concern is to market the products or services. There are numerous ways on the internet. Pay per click advertisements refer to a commercial media for which a marketer pays to promote himself. A person should have complete knowledge of the medium. There is a tendency to loose maximum amount of money if one uses it without knowledge. You should do a research and find out if it is beneficial for the business and you are able to reach target audiences. There are offline advertisements, which mean publicizing by distributing flyer, announcements, brochure, local newspaper, etc. In these printed materials, one should always mention his online site. However, simply talking about the company and providing the online site might not help. The content and the presentation of these advertisements should be fresh and crisp. It should entice a customer to know more about the organization or the product. Email Marketing is also an effective way to reach the potential customers. In this method, a marketer is able to communicate to new clients and retain the previous ones. An advertiser gets relevant queries and has a greater chance to have immediate sales. However, you should take care that the campaign sent to valid and relevant addresses. If this point is not kept in mind then you might be rated as a Spammer. Posting articles on number of websites is another way to promote a company or product or service. However, many fake links and sites claim to make an article writer rich. A person should be careful of such links. If a businessperson wants to make his website, he can do so. Website can
In these financially unsettling times, wouldnt it be nice to know you can still send your children to college, retire at 65 and be able to mail postcards from exotic locations to your future grandchildren? Its not only possible, its probable when your finances are in the right hands. While you may be skilled at handling certain money matters, chances are you dont even realize youre inept at others. To be safe, it might be time you considered the benefits of personal financial planners. Even if you feel you can perform several of the functions of a financial planner yourself, putting them all together into a cohesive strategy that produces solid, long-term returns is no easy feat. A financial planner can make that happen. When considering how to choose a financial advisor, youll want to sit down and really evaluate your needs. This depends, at least in part, on your stage in life, your goals and what you expect to receive in return. Are you a new college graduate with $50,000 in debt, $30,000 in income with a brand-new 401(k)? Or are you a 60-year-old trying to prepare for retirement? Once you figure out what youre looking for, its easier to determine how much help you need and where to look. How to Choose a Financial Planner Financial planners deal with everything from estate and tax planning to insurance and debt management to college savings and retirement funds. When figuring out how to find a financial planner, make sure to look for one who has experience working with others in situations similar to yours. As with any professional service, youll want to start by asking for suggestions from people whose judgment you trust. Ask acquaintances who have needs similar to yours, since a planner focused on the needs of young families may not be a good choice for recent retirees. Questions to Ask a Financial Planner Before selecting a financial advisor, youll want to do your research. Ask the following questions (created by the National Association of Personal Financial Advisors) to ensure they have the expertise and qualifications necessary to