About Us|Contact Us|Register|Login

[google-translator]

4 Questions to Ask When Choosing A Financial Advisor

4 Questions to Ask When Choosing A Financial Advisor
4 Questions to Ask When Choosing A Financial Advisor Research indicates that many people are intimidated by money and are, therefore, not so great at managing their personal finances. That’s because most people lack personal finance knowledge, according to sources. As a result, only 40% of Americans would be able to cover a $1,000 unexpected expense, Bankrate reveals. That means they’re only one emergency away from bankruptcy. About the Author: Michael Deane has been working in marketing for almost a decade and has worked with a huge range of clients, which has made him knowledgeable on many different subjects. He has recently rediscovered a passion for writing and hopes to make it a daily habit. You can read more of Michael’s work at Qeedle. Not knowing the basics about money management can cost you a lot (much more than what you would pay for the services of a financial expert). If you are one of those confused individuals, turning to a financial advisor seems like a logical choice. But how to choose one? Here are some questions to help you choose the right financial advisor for you.  1. How Will You Help Me Reach My Financial Goals? Let’s start with the basics. You would like to start saving for your retirement or you’re interested in becoming an investor but have no clue how to begin. The first thing you should ask your potential financial advisors is, therefore, this: how will you help me achieve that? In order to answer, the potential financial advisor will have to ask you several questions first. Don’t worry, that’s what they do. In order to help you achieve your financial goals, the advisor must know what your goals are, whether you’re looking for long-term or short-term wealth growth, if you are thinking about early, what is your current financial situation, how much you earn, etc. After receiving this information, the advisor will then recommend the best path for you to follow in order to achieve your goals. Keep in mind that the questions above are crucial for you to know whether to hire said financial advisor. They should not simply give you generic advice before hearing the details about your financial situation. 2. What Qualifications/Credentials Do You Have? Don’t forget to ask the financial advisor you’re talking to about their credentials and qualifications. Why should you hire them? Why is this important? Because there are countless financial advisors out there  and unfortunately, not all of them are equally good at what they do. You want someone you can trust with your finances. As you yourself don’t know much about personal finances, it would be easy for someone to misguide you when it comes to money management. Try to find a way to check their credentials and ask about their previous clients. Perhaps there’s someone you know among them so you can check this information. Speaking of that, if you don’t want to risk it, you should ask a friend or family member to recommend a financial advisor that has helped them before. 3. How Much Do You Charge and How Are You Paid? You have the right to know what this service will cost you so make sure that you don’t forget this question. You should know how much they charge and how they are paid too. Are they paid by commission or is there a flat fee? Some financial advisors charge a percentage for the assets that they manage while others charge an hourly fee. Knowing exactly how much the service will cost you will help you determine which financial advisor to hire. If you can’t afford an expensive advisor, perhaps you should...
read more

Local SEO Guide 2019 for Small Businesses

Local SEO Guide 2019 for Small Businesses
Local SEO Guide 2019: Rank Your Local Business In Google Maps 3 Pack For all types of small businesses, local SEO is considered to be very important. There are approximately 4 out of 5 consumers who use a search engine to get local information. This indicates that if your business is not optimized enough to be part of the local search engine, then you will miss out on almost 80% of the customers online.  To learn how to do SEO with the help of the best local SEO services, this article will act as your comprehensive guide. What is local SEO? The job of the local SEO is to promote the goods and services of a business to local customers and prospects.  To provide the correct information, the local search engine heavily relies on factors such as the links, profile pages, citations, and local content. This helps in delivering the most relevant yet accurate results to the user.      Understanding the local SEO tactics To make your presence known under the local SEO search results, there are three main things you need to do. The things you need to do is optimize your Google My Business profile, improve the on-page SEO through website updates, and try excelling on the World Wide Web.  Although these three tactics might sound a bit overwhelming, you can perform them perfectly, with a little perseverance and patience.  Google My Business The Google my business is the ultimate “crème de la crème” for local SEO search. This is because Google understands and feels very much comfortable in verifying and showing support. Therefore, this is the ultimate tool that will help your business meet all the requirements of Google. Once Google can verify your business, it will initially reward you with a sidebar space in the Local Google search. However, to be ensured that you are optimized under Google My Business tool, take the help of Google post in your account. Try encouraging your customers to leave positive reviews and reply only to the authentic ones. Updating websites Unlike optimizing the account of your Google My Business tool, five website updates will help you to improve the local SEO. The updates are, improve the internal structure of linking, optimize the URL, meta descriptions, title tags, headers, and contents, add location pages, and create top-notch content. Rather than that you also need to make your website user-friendly for all the online consumers. Engaging with the Wild Wild Web and the Directories After you are done with the above-mentioned tactics, it’s time to move to the next level. You now need to use your directories, NAP consistency, and inbound links to take your business near the end of success. If steps are done carefully in the process, then there is no one to stop you to reach the top search results on Google. Author Bio Ravi Sharma Ravi Sharma, CEO of Webomaze is a highly enthusiastic entrepreneur. His love for making every business reach the greatest heights in their industry made him establish his digital marketing company delivering the best local SEO services. He has got a great grip on the idea of effective SEO process and tactics which are vital for virtual exposure. He is a fun-loving person and a keen traveler who always hunts to find adventure in new places. Types of local SEO tools There are numerous types of tools used by the local SEO services, and some of them are mentioned below. They are Whitespark location citation finder. Moz local. Screaming fog. Ahrefs. Buzzstream. BrightLocal. The above-mentioned are widely used in the process of optimizing your local SEO search rankings for business to get noticed....
read more

Small Business Finance

Small Business Finance
Small Business Finance: What You Need To Know   Happy to associate with SeekCapital that provides consulting services and funding procurement to small businesses in a quick and efficient manner. This article originally appeared on seekcapital.com by Jon Zacharias.    Starting and running a small business without having some form of credit is nearly impossible. Many small businesses do not make it simply because they’re under-capitalized. One month where sales and expenses budgets cannot be met could signal the end for business that could otherwise have succeeded. Others find themselves unable to grow their operations owing to insufficient access to the necessary funds. The answer may appear to be simple: get a loan and grow your business. However, getting a small business loan isn’t always easy.   Tips for Super Organized Small Finances   Pic Courtesy: Solopreneurdiaries Getting a Bank Loan Since the recession, the FIDC has ensured that small businesses who apply for loans are subjected to very close scrutiny. The Dodd-Frank act of 2010 has effectively limited the possible sources of funding for small business. Many analysts feel that in doing so, economic recovery was slowed. Whether this is true or not, small businesses in need of additional capital often find themselves unable to secure conventional bank loans. But is a conventional loan best for your business? The convoluted application process takes a great deal of time and effort and few loans are granted. In addition, repayment terms are highly inflexible. Small businesses are increasingly turning towards alternative lenders in order to get the business finance they need quickly, successfully and under less onerous repayment terms than banks allow.   The SBA 7A Program   Pic Courtesy: Fundera   Getting the Small Business Administration to guarantee all or part of a bank loan might sound like a great idea in theory, but the program has been widely criticized for its limitations. Once again the application process is complex and lengthy and not all businesses can afford to wait up to three months to get finance approved — if it’s approved at all. Then too, the SBA isn’t actually offering the finance itself. The small business entrepreneur still has to work through a conventional bank and banks remain reluctant to supply credit to small businesses. By 2011 a Gallup survey found that although 88% of businesses had access to credit, only 29% were lending from banks despite the SBA program.   What Banks Don’t Take Into Account The main problem with getting bank loans is that banks want to see guarantees that you’ll be able to pay back the money. That’s fair enough, but instead of looking at how good your business’ chances of success are, they look at financial history. That makes things difficult for a newer business that doesn’t have the track record banks are looking for.     Remember, banks aren’t investors, they’re lenders. If the business or its owners don’t have the kind of credit history they’re looking for, they won’t issue the loan. Nowadays, financiers can use algorithms to project business income, but banks don’t use these tools when deciding whether you’ll get a loan.   Other Financing Options Getting finance fast, especially startup business loans, can be crucial to the survival and growth of small businesses, especially startup business loans. Since the banking sector isn’t making things easy for them, small business owners are increasingly turning to alternative sources of finance that offer them faster turnaround time, rate their creditworthiness based on the business itself and offer plans with flexible repayment options.   Merchant Cash Advances Businesses that handle a volume of over $5000 in monthly credit card transactions often choose the merchant cash...
read more

How to Choose the Right Digital Marketing Company

How to Choose the Right Digital Marketing Company
Here Is How Small Businesses Should Choose Digital Marketing Company!    Pic Courtesy: Pixabay   Digital marketing costs a fraction of what traditional marketing can cost your business; yet, it has the potential of bringing you big returns. That is a good enough reason to believe that digital marketing is indeed small business friendly. Think about it: An email is virtually free to send and it has one of the highest conversion rate among all digital and traditional marketing channels. Social media marketing has almost similar stats. Traditional marketing options can cost you hundreds and thousands of dollars. You don’t have to spend a lot of money on digital marketing – but you need to spend on a solid strategy. Businesses that spend on digital marketing strategy get bigger returns. For a small business, however, choosing a digital agency isn’t easy. While most won’t cater to your budget, others won’t understand your requirements. One wrong choice can turn your entire digital experience in to a disaster. So, here is a game plan that can help small businesses make the right choice.   1. Look for an Agency that Focuses on Small Business As a small business, the worst mistake you can make is aiming for the big fish. Don’t get it wrong. It is good to have bigger goals, but just because an agency has worked for successful international brands doesn’t mean it will take you to the same height. You need to find an agency that has worked with businesses just as small as yours and helped them evolve in to kind of brand you aim to become. In other words, go for a digital marketing agency that has written a success story for a business just like yours.     Keep in mind that bigger agencies go for bigger stunts and take bigger risks all because their clients i.e. bigger brands can afford it all. Their entire team has a different mindset and they may not be able to fully understand the implications of their ideas on your business. So, be realistic about your own business and find an agency that is a perfect fit for your budget. Ask for referrals and read reviews. Sit down with their team for consultation and ask questions about their clients and previous experience. Go with a team that focuses more on the management than money. Pic Courtesy: Reboot Online Marketing   2. An Agency with a Focus on Quality Would you rather go for an agency that promises every possible digital marketing service for dirt cheap rates or choose an agency that offers a refined set of services for a reasonable rate? For small businesses, it isn’t unusual to fall prey to the quantity over quality dilemma. Of course, you want to try every avenue to maximize your revenue. Don’t act on that impulse. More importantly, don’t choose an agency that feeds that impulse. Instead, try to seek help from professionals who understand what you need at any given time. For instance, it may be too early for your business to invest in paid marketing. May be your business doesn’t needs thousands of tweets before you reach a certain number of followers. And then it is about the quality of tweets and posts. It is better to go for a lower number of high quality posts rather than too many posts with no real value. Too many posts may actually annoy your followers and you will end up being blocked or flagged as spam. So, quality over quantity is more important for small businesses both in terms of digital channels you choose and the frequency of posts/ads. Lower prices per...
read more

Here Are 4 Ways to Pay Your Employees  

Here Are 4 Ways to Pay Your Employees   
Starting a Small Business? Here Are 4 Ways to Pay Your Employees Hiring employees is a major milestone for any business owner who has previously done it alone. Even if the help is quite welcome, some important related decisions will almost always need to be made. This is true even of the most basic issues, such as how workers will be paid. Fortunately, business owners who are armed with a bit of knowledge will always be equipped to choose appropriately. Taking the Next Step Toward Long-Term Success  Sole proprietors who have no workers to worry about, deal with what are generally among the simplest of all possible business arrangements. As soon as employees enter the picture, issues like employment taxes need to be accounted for, lest the government’s wrath descend upon a business owner. Many entrepreneurs find it worthwhile to make use of small business payroll services that virtually rule such problems out. Being able to rely on the expertise of specialists makes potentially costly mistakes a lot less likely and provides a firm foundation for future growth.     Determining the Best Way to Pay Any Company’s Workers  Even with payroll being handled by an expert, though, business owners still face an important choice. Pay can actually be issued in any of at least the following four common ways, each of which comes with certain benefits and drawbacks. Choosing the means most appropriate to a particular company and its workers will always make things easier, in general. The four options that are available to most business owners when it comes to paying workers are: Checks. Bank drafts authorized by means of check are traceable, accessible, and well-established. The paper trail that writing and depositing or cashing a check creates can prove useful if any issues arise later on. On the other hand, not everyone today has access to an account that can be used to convert a check into a balance. Workers who are forced to cash their checks by other means sometimes end up paying a fair amount for the privilege.     Direct deposit. As the more modern relative of the old-fashioned check, direct deposit is an increasingly appealing option. In this case, things are even more restrictive, though, as only employees who have accounts in good standing will be able to make use of this approach. Unfortunately, about 1.7 billion adults worldwide still lack such resources entirely. Prepaid cards. Certain cards associated with networks like those operated by Visa and Mastercard can also be loaded with paychecks on demand. Particularly where some workers might not have checking accounts, this is an increasingly popular choice. Some payroll cards, however, impose maintenance fees and the like, so business owners will always do well to put in plenty of research. Cash. Although it might sometimes seem a bit crude, cash is still very much a valid way to pay wages. Relatively few business owners opt for this approach, though, because of the exposure and hassles it tends to create. The Right Choice is Usually Clear  Business owners who wish to do the most they can for their employees will always put some thought into choosing a means of payment. In many cases, it will even make sense to offer at least a couple of choices, from which each worker can select the most personally appropriate. In practice, it tends to be fairly straight forward to figure out how best to pay any small business’s employees....
read more

« Previous Entries