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hellopoonamsahublr · 5 years ago

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Share Market Tips For Beginners

Investing in the stock market is one of the best ways to generate a source of income through a quick and easy way. Hence In this Article, I would like to share the foremost points of Investing in share market so that you could be able to set a goal of future investments plans.

Furthermore, you would learn and understand about the financial markets and how it works may you know or not which tactics it’s most important to cognize before Investing in share market, therefore, you should know about this.

You would have seen that some individuals do raise money from share market and some people are breaking down to make a profit due to the lack of knowledge and Information concerning markets and company analysis.

Moreover, not every company is profitable, and doing the research and due diligence before investing will help mitigate some risks associated with stock market investing.

Sometimes, the Investor does not take the tactics of making a quite profit hence they regret ourself after spending a lot of money without return of Investment.

After a lot of quest and perception of the Financial markets, I did put together the main points which help you most and provide a better knowledge of share market tips so that you could invest your own money without any fear and lack of information this strategy brings you to next level of the financial marketplace.

Where did it start?

It all began with the Indian stock market which manages throughout banyan trees where buyers and sellers met to trade stocks. In 1854, they moved to Dalal Street which is now popular for the oldest stock exchange in Asia i.e. the Bombay Stock Exchange (BSE).

The BSE became the first stock exchange in India and played a significant role in the growth of the Indian stock market further afterward in 1992, the National Stock Exchange (NSE) was established.

NSE was the first exchange in the country to confer a recent, fully automated screen-based electronic trading system which offered the easy trading facility to the investors’ expansion across the nation.

The difference between National Stock Exchange and Bombay Stock Exchange is mere the NSE is the enormous stock exchange in India, while BSE is the elderly stock exchange in India.

Moreover, the BSE was founded in 1875, while the NSE was founded in 1992. 3) The side index for the NSE is the Nifty, whereas for the BSE it is Sensex. The Number of Listed Companies is 1696 for NSE and 5749 for BSE.

What Is Share Market And How It Works?

A Share market, equity market or stock market is the syndication of buyers and sellers for trading in shares and stocks.

Stock in the market is part possession of a company. Hence, if a company has come out with 100 shares and you own 1 share then you own 1% stake in the company.

Furthermore, the wealth in the form of money, assets or investments owned by individuals or organizations.

Capital Markets help individuals and organizations to fulfill their various needs such as buy a car, increase savings, etc. using different ways of investing.

Capital markets mainly are formed two types of the market Primary and Secondary. When a company appears out with an initial public offer (IPO) it is described as the primary market.

The usual objective of an IPO is to appear on the list of stock in the share market. If the share gets listed it begins trading in the secondary market. Buying and selling shares are primarily like buying and selling any other commodity.

Presently, all trading occurs in computer terminals at the broker’s workplace or on the internet. You would not be confusing about the Share market and the stock market both is one and the same thing.

Why do companies give their stake in the marketplace?

Companies offer their shares in the market to raise funds to fulfill their several aims such as company increases in size, purchase of new appliances, etc. Observed they do not have to value you back the money you invest,

so alternately, they present shares which represent part-ownership dividends in that specific company.

The money spent by the shareholders will be brought to develop the company’s business wherein the company does give a share to shareholders.

How Could I Invest in Share Market?

Any individual who is capable to enter into a contract can buy and sell shares in the market. You must need to open a trading account with a broker then you can buy and sell shares in the stock marketplace when the trading account will be opened

Before opening an account you will have to know about the key difference between in Demat and trading account there is quite important to understand the differences among these accounts.

Trading account is where you carry out your buy and sell trades. The Demat account is where your shares are kept in lockup.

As you, buy shares in your trading account, your bank account comes debited and your Demat account comes credited the opposite is when you sell your shares.

You can Invest Money in Share Market too if you are a risk-taker and try to something new furthermore but certainly, you have to keep the patience for making a good profit.

Benefits Of Investing In Share Market

The main objective of Investing in Share Market is mere to make a profit in less time many shareholders want to high returns in their Investment since bank gives a very few returns on Investment

furthermore, companies give their shares to shareholders in the form of capital due to high returns in share market many Individuals invest their savings to share market in order to high returns.

As stated to the Federal Reserve, the share market has got bigger by a mean of more than 10 percent a year over the past 50 years.

However, the stock market is unpredictable nevertheless it is a quick and easy way to earn profit these benefits compile those investors who habitual to risk tolerance further the person who able to lay patience for some times they might earn a high profit.

One of the most Advantage of Investing in Share Market that you do not have to pay taxes on profits broadly If you put your cash in an investment that earns high returns, like a bond or bank account, you just need to pay tax on your profits each year.

How could I Purchase Shares Offline or Online?

What is Online trading and Offline trading moreover How to purchase shares online and offline? Online Trading is overall buying and selling shares on the Internet with sitting in the home or your office

you would need to Internet Connection, Laptop or PC and you need to log in your trading account then you can buy and sell shares Online. Offline trading is general trading by calling your broker’s or visiting your broker office.

You should need to know that you will have to pay charges to the Broker. Nearly brokers will also guide you on what stocks to buy, what stocks to sell and how to invest money in share markets for new investors.

They will also give a hand you in how to trade in the stock market. For that service, therefore, the broker is paid brokerage.

How Are Shares Priced in The Market and Who Control the Value?

The marketplace controls the value of the share. Generally, share prices rise up when the company is getting larger very fast or it is made very good profits or it gets new customers.

As demand or trends for the stock preferences up more investors need to buy the stock at higher prices and that is how the share value rises. Moreover, Price of share is intent on by demand and supply. If a company grows continuously the investors earn a high profit.

What Is SEBI?

Securities of Board and Exchange (SEBI) of India. The SEBI is the authority and security body of the market place where Investors come to buy and sell their shares as well as the role of SEBI is provided rules and regulations to markets it is tend to responsibility and give permission to any Investment Company SEBI also confer licence to run financial Services company the body gives 12 digit number to companies so that any company do not try to get any infringement.

Before Buying A Stock You Need to Know About The Essential Info

You should never purchase stock before understand the general information about the stock market, you need to find what type of product and services provides the Company? In what countries they operate? How many years have been of the company? How other shareholders make a profit from Investments?.

The share market leader Warren Buffet said that “the more you learn the more you earn” hence the more you research of a company where you must research about the stock of the company. research market every day so that you will not get any loss in the reason of lack of information concerning the company where you Invested.

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I hope that you would have been learned a lot about the share market

#share market tips for beginners #share market tips #stock market tips

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clarencenicholsonata · 5 years ago

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Hotel Trends in Marketing You Need To Know

Thanks to budget flights, vacation packages, the growing value of experiences over material things, the spread of Instagram and the rise of Airbnb, travel has become a multi-trillion dollar industry.

But supply has kept up with demand. Between AirBnBs, hostels, hotels, glamping, Couchsurfing and others, marketing is key to differentiating yourself from the competition (which there’s plenty of).

The good news is, technology has given savvy marketers more and better ways to market than ever. Once you’ve mastered the tools for online marketing, take a look at the trends that will separate the leaders in the industry from the rest in the near future.

Voice Search

We’ve moved beyond shouting ‘Hey Siri’ into our phones.

Today, more and more people are using voice search regularly, for increasingly complex questions. Ensuring you’re engineering your information to make it voice search friendly isn’t difficult and it’ll pay dividends as Alexa, Siri and Cortana get more comfortable in more homes.

There are still some things voice search can’t do for hotels. By and large, travelers still rely heavily on screens for comparing prices and viewing potential hotels and reviews. Nonetheless, there is growing interest in using voice search in the process.

According to SocialTables, there’s been a 343% yearly increase in the use of voice search on for hotels on Microsoft Bing just in the UK.

Although this market may still be in the minority, you can be sure you’re in a good place when this becomes a commonplace way to search and do business. One thing you can do now is to start putting the pieces in place to be first in search.

Tips for Voice Search

Voice search optimization is a thing! Think about how people ask questions and use that when constructing your posts. For example, people might ask, “How can I optimize for voice search?” or “What is voice search optimization?” And we’d answer, “Voice search optimization is ensuring your content is tailored to the way people speak and ask questions naturally. There are a number of ways to ensure your content is optimized for voice search, but the most important thing is gearing it to how users naturally speak and ask questions.”

This doesn’t rule out SEO. Not by a long shot. Results will still be ranked by what appears first on Google, which -- although smarter and more selective than before -- still relies on keywords to choose what to push ahead.

The World Hotels Collection recommends working specifically on your FAQ (maybe writing a blog post for each of your most asked questions) )and local listings to improve your chances of being picked up.

Influencer Marketing

Word-of-mouth marketing is one of the cruxes of the travel industry. Since the invention of social media, a way of leveraging this has been through influencer marketing.

The Hilton Brand understands the power of influencer marketing, tapping into it for their #SevenUrbanWonders campaign.

Even this major brand understood the power of joining forces with individuals to choose and highlight top destinations across the world (and suggest travelers stay at a Hilton nearby!)

Tips for Influencer Marketing Campaigns

It may be better to work with a micro-influencer than one with a massive following. Smaller numbers sometimes mean higher engagement, and that means a higher ROI for your brand.

Vet your influencers before partnering. Get to know them, review their profile thoroughly -- one scandal can harm your brand.

Partner with influencers who share your target market. Travel influencers are very popular, but you may have a niche: location, budget travel, unique experiences, luxury travel; if you do, it’s best to find someone that intersects with that for maximum efficacy.

Micro-moment marketing

Your target market used to be a buyer persona. They used to be a demographic, have certain interests, be certain ages, behave certain ways that you would appeal to with your messaging and branding.

Not so anymore.

Now, your target market is also whoever is looking for your information, at that moment.

This might sound too easy, or like a catch-all tactic, but micro-moment marketing is a game-changer for the travel industry.

This widely cited infographic from Think With Google identifies four key moments in the traveler’s buyer journey which brands can use in their marketing.

The four key moments are:

“I-want-to-get-away” moments

“Time-to-make-a-plan” moments

“Let’s-book-it” moments

“Can’t-wait-to-explore” moments

As a hotel marketer, your job is to design your digital web presence to deliver what they need at each moment. That means giving them information that’s instantly available and relevant.

Today’s customers are less loyal to brands than they are to getting their needs met.

One example Google used was Red Roof Inn, which managed to take a fraction of the budget of its major competitors and turn ‘let’s book it’ moments into real revenue by understanding their customers.

Red Roof Inns are near to airports and convenient, especially for stranded passengers after flight cancellations. Realizing this, the team began to target ads to customers after canceled or delayed flights.

For frustrated and weary customers who had their mobile phones out, looking for the nearest available hotel that their phones would pick up, Red Roof was first on the list.

vimeo

(Video courtesy of Mobile Marketing Association)

The result was a 60% increase in bookings and a 375% increase in conversions. Rather than working on a persona, they were working on a need.

Eco-friendly

Consumers are more aware of their carbon footprint, and they’re increasingly aware of the environmental impact of the hotels and chains they choose to stay in. Even Vogue magazine admires hotels that are going plastic free.

According to Trivago, the numbers show travelers are more likely to consider the environment when booking a holiday package:

66% of respondents stated they’d “pay more for products and services from companies committed to positive social and environmental impact”.

In 2017, two-thirds of travelers on holiday surveyed said they’d “make lifestyle trade-offs to benefit the environment”).

Travel is now known to be more affordable, but can also be an environmentally unfriendly pastime. Travelers have paid more and more attention to this, and hotels have done well to engage with both the ethical and market imperative for a greener industry.

Practically, that means implementing some new practices: some small examples include offering options to hang up towels instead of replacing them every day, sourcing initiatives to sustainable providers, reducing waste (e.g. switching to plastic-free areas or starting recycling programs).

Tips for Eco-friendly marketing

Make it official! You can get certified by TripAdvisor’s Green Leaders program. Your hotel will get an official stamp on their website, so browsers can easily recognize your status.

Paperless advertising is in. In the digital age, the need for paper is minimal. If you have to print, using recycled paper is now seen as smart, not budget or quirky.

State your commitment to green travel on your website and in your blogs. Be sure travelers who are looking for an eco-friendly stay know they can find one at your hotel.

This may seem simple, but it’s powerful. A picture is worth 1,000 words. If the environment is important to you, highlight your green spaces on your brochures and your site.

Summary

2020 will undoubtedly bring unforeseeable new and exciting changes to the game, but there are some that hoteliers and their marketing teams can look ahead to.

Here are four major hotel trends in marketing to be aware of for 2020.

Voice Search

Influencer Marketing

Micro-moment marketing

Eco-friendly practices

What do you think? Did we miss anything? Let us know in the comments!

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#IFTTT #RSSMix.com Mix ID 8230801

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goldeagleprice · 5 years ago

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Putting Coin Customers First Can Mean Long-Term Profitability

By Patrick A. Heller

In my experience as a coin dealer since 1981, putting customers first results in long-term customer patronage. Long-term customers are far more profitable over time than a larger number of one-shot patrons. As I have shared with the staff at the company where I work, “If you take care of your customers, your customers will take care of you.” This is probably great advice for every kind of business.

Coin dealers can make a profit by selling merchandise at a higher price than what it would cost to replace it. Collectors, above and beyond the enjoyment of being able to own fascinating and historic treasures, have a different time frame than dealers. Therefore, the collector can potentially make a profit in the longer term. This makes it possible, but does not guarantee, that both the dealer who sells it and the collector who buys an item could end up making a profit on the same piece.

Coin dealers, like all businesses, seek additional ways to sell more merchandise in order to increase their profitability. Last week, I was discussing with a long-term customer three sales tactics used by some coin dealers that are fully legal and, handled ethically, might also benefit the customer. Yet, I have seen multiple instances where these upselling strategies seemed to be used more for the dealer’s benefit than for the best interests of the customer.

All three of these following tactics enable a dealer to sell more merchandise to a customer than might otherwise occur.

The most common of these involves the push to use funds in their individual retirement accounts (IRA) to set up a precious metals IRA. This enables the customer to acquire some precious metals and some coins without having to dig into their everyday bank accounts. However, precious metals IRAs have several downsides, which I have discussed in previous columns.

Generally, it does not make sense to place tax-deferred assets into tax-deferred accounts. Instead, tax-deferred accounts are most suitable for assets that pay periodic taxable income such as interest and dividends in order to defer the applicable income taxes to the account’s owner. Precious metals IRAs are also costly to set up and maintain with the fees for a trustee and storage facility compared to having direct custody of the items. Third, the selection of items allowed in a precious metals IRA is limited, where a number of better options to own precious metals (such as for a lower cost per ounce) may not be acquired. Another concern is the additional government reporting and lack of privacy involved with a precious metals IRA versus making such purchases personally.

The second practice is leveraging. This involves paying out of pocket only part of the cost of an investment, then borrowing the rest to make it possible to make a larger purchase. Many investment funds leverage their holdings as it magnifies their profitability if the market moves as anticipated. The same applies for individuals where it is possible to gain greater profits for the amount of personal funds tied up. As an example, a purchaser may invest $10,000 and borrow $40,000 to make a $50,000 purchase. If the asset’s price rises 5 percent, a $10,000 investment would yield 5 percent, while a leveraged $50,000 purchase would yield a gain of 25 percent less the cost of the interest on the loan.

The problem arises if the price of leveraged assets is volatile. In the example above, a 5 percent price decline would result in a 5 percent loss on a $10,000 investment or 25 percent loss (plus the interest costs) on a leveraged $50,000 acquisition. Further, a 5 percent decline in value would almost certainly result in a margin call where the investor would have to immediately provide another $4,000 in funds (to reduce the loan balance to $36,000, 80 percent of current asset value) or risk having part of the leveraged investment liquidated at a loss. Over the years I have heard from many customers who were disappointed with their experience with leveraged purchases of precious metals. They did not fully understand the downside risks of using leverage.

The last tactic is for a dealer to offer to review a customer’s holdings to make suggestions for items to swap for other merchandise that may have better future appreciation prospects. This can be a valuable service, where a dealer may have a lot more market savvy and fresher information than the collector.

However, collectors need to keep in mind that if they do engage in a swap, the merchandise they receive will have a lower immediate liquidation value than the items they turned in. In order to work out from the customer’s perspective, the future performance of the items received will not only have to be higher than what was traded in, they it will have to be even higher to cover the effective buy/sell spread reflected in the swap.

Sometimes a swap can yield a better future return. But there are many items where a swap does not make economic sense. For instance, many pre-1934 U.S. gold coins are now selling at premiums far closer to their metal value than in the past 40 years. A swap of these items for bullion-priced gold coins and ingots are unlikely to result in better results than simply keeping the original items. However, in this scenario, some dealers may be tempted to recommend swaps of items that don’t really have an economic benefit for the customer.

I need to emphasize that all of these services could be valuable for customers in the appropriate circumstances and handled with the best interests of the collector as the standard. The company where I work handles occasional transactions of the first and third strategy discussed in this column (although alerting customers to potential pitfalls). We do not have arrangements to offer leveraged transactions.

From my 56 years as a collector and 39 years as a dealer, the “collector” in me would tend to patronize dealers who listen and help their customers achieve their goals rather than those who focus on promoting precious metals IRAs, leveraged transactions, or an initial evaluation of holdings for possible swap. Dealers who put the interests of their customers first will almost certainly enjoy better long-term profitability.

Patrick A. Heller was honored as a 2019 FUN Numismatic Ambassador. He is also the recipient of the American Numismatic Association 2018 Glenn Smedley Memorial Service Award, 2017 Exemplary Service Award 2012 Harry Forman National Dealer of the Year Award, and 2008 Presidential Award winner. Over the years, he has also been honored by the Numismatic Literary Guild (including twice in 2019), Professional Numismatists Guild, Industry Council for Tangible Assets, and the Michigan State Numismatic Society. He is the communications officer of Liberty Coin Service in Lansing, Mich., and writes Liberty’s Outlook, a monthly newsletter on rare coins and precious metals subjects. Past newsletter issues can be viewed at www.libertycoinservice.com. Some of his radio commentaries titled “Things You ‘Know’ That Just Aren’t So, And Important News You Need To Know” can be heard at 8:45 a.m. Wednesday and Friday mornings on 1320-AM WILS in Lansing (which streams live and becomes part of the audio and text archives posted at www.1320wils.com).

The post Putting Coin Customers First Can Mean Long-Term Profitability appeared first on Numismatic News.

#Precious Metals

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vishers · 5 years ago

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So You Want to Play TTRPGs With Your Littles?

A friend of mine who knows I've stoically soldiered on trying to play TTRPGs with my littles (4 of them so far, ages 6, 8, 10, and 11) recently asked me if I had any advice on how to play with his kids who are really interested in the hobby. Rather than answer directly, I figured I'd write up my thoughts in a post.

Caveat Emptor. I would call introducing this hobby to my kids a moderate success. Some sessions still end up with someone in tears (occasionally me). Every session has heated arguments. One of the kids always tries to kill one of the other player characters at which point I have to remind them that nothing happens in the game till the GM says it does. You would not believe what a rules lawyer an 11 year old can be. All that said, we keep wanting to play, so something good's gotta be happening. YMMV.

My tips for running the game for littles in roughly priority order:

Be an arbitrator

Your kids, if they're anything like mine, are going to have immense difficulty staying calm while one of them declares their wish to smash the altar that they were just intending to pray at. Resolving these conflicts is in large part going to fall to you.

Understand what they're there for

Your kids are likely to want very different things out of the game and out of the session. Developing a sense of what they're looking for at any given time (because they probably can't or won't tell you directly) will pay dividends later.

Stick with maturity cohorts

Even if it means playing one on one, even if it means getting creative with scheduling, even it means running 3 games simultaneously, try to stick with maturity cohorts. This is really a follow on to point 2 but I think it's important to call out all on its own because I find that maturity cohorts tend to be there for roughly similar things.

Keep everything as snappy as you can

My kids will play the game for a long time (longer than me!) but each thing they do generally has to be short, even combat. They're especially intolerant of long action queues or lengthy conversations between other players.

Be silly

Kids love a good laugh. Err on the side of silliness. Use funny voices. Screw up your face into funny shapes. Make outrageous things happen.

Be serious

Be prepared to tone the silliness back though at your kid's signals. I think kids are looking at this as an opportunity to play at a more serious world. If the session is just as silly as their silliest pretend games then it robs them of a chance to do that.

Challenge them without making them lose

Part of why we all play TTPRGs is because of how real it can feel. In the words of Morpheus, your mind makes it real. But this can also be a really intense experience for kids who aren't steeped in gaming yet and don't understand that they'll love their next character just as much as this one and that it's not really them dying. You should bend over backwards to make it feel like a challenge without beating them.

Play to the rules based on their desire

You'll probably find that each of your kids has different expectations of how rules-driven your game will be. This is OK. Be prepared to either stick with those maturity cohorts or to arbitrate between those who want to play fast and loose with the rules and those that don't.

Be an arbitrator

Hopefully when playing with adults this is largely not an issue, but I have found that with kids they cannot be relied upon to work things out on their own. I have had things nearly devolve into a fist fight beneath my table before. Instead, I try to remind the kids that nothing in the game happens until the GM says it does and try to keep them mostly talking to me rather than each other. I also have to work extra hard to make sure everyone is getting a turn to speak and shine. The simple tactic of going around the table one at a time and asking each player what they want to do and reminding anyone who's bothered by it that it hasn't actually happened yet seems to defuse most situations.

Understand what your kids are there for

I've prioritized story telling as much as I can as a parent, so I figured my kids would naturally be primed to explore a free form fantasy world and would be interested in participating in creating that story. What I found when I got into it though surprised me.

For most of my kids so far it's very important to them that the illusion that they're exploring something real is maintained. What that means is that transparent invitations to 'join in on the story telling' that some adults (and probably other kids) would relish were, shall we say, poorly received. They wanted me to show them a world with characters that they could believe in and events that they couldn't control. They were extremely sensitive to me making it obvious that I was making things up on the spot so the amount of 'DM magic' that I need to deploy can be pretty tiresome. I can't let them see how hard I'm working behind the screen.

The other thing I was surprised by was how diverse their desires for a given session can be, even down to the child. One will want some deep social interaction while another just wants combat. The next session the tables can flip. This combined with the vastly different maturity levels I'm targeting (see further on), many times from adults all the way down to a 6 year old, and you can see how it's pretty difficult to keep everyone happy all the time. For what it's worth, I think of this more as a good thing and an opportunity to practice social generosity but especially for the younger kids (though I'll be honest even sometimes for the adults) this can get pretty exhausting. The challenge here is compound by the fact that I can't generally just ask them what they want. This is partly because it breaks the aforementioned illusion that they're not overly participatory in what's happening but also simply because they're kids and they don't always know what they want or how to express it.

In short, it's really challenging to give everyone what they're looking for even for well behaved adults. Throw the attention spans and emotional generosity of your average child into the mix and you get a real challenge.

Stick with maturity cohorts, even if that means playing one on one

My most successful sessions so far have been with 2 to 4 players max with everyone being in roughly the same maturity cohort. The roughest sessions by far have been the ones with 7 players (6, 8, 10, 11 + 3 adults) of wildly different maturity levels. Generally speaking the game gets so big because no one wants to be left out but there just isn't a way to please all those maturity levels at once.

Instead, schedule your sessions after the younger kids are in bed. Offer to play with the younger kids one to one during a nap time or during a time when the older kids are already doing something else. Don't be afraid of playing with low DM:Player ratios. The kids will love the attention anyway and it lets you fine tune what you're doing to exactly what they want to be doing and they can act all the time rather than getting stuck behind a long queue.

Keep everything as snappy as you can

My kids will play the game for 4 and 1/2 hours or more if I let them. But oddly enough they seem to get bored of everything but combat relatively quickly. Even combat in a large group can get boring for them if it's taking many minutes between each of their turns. They especially seem to get bored of social interaction very quickly. This is less true for my 10 and 11 year old than it is for my 6 and 8 year old but it's still true even for them. They get bored even more quickly when someone else is doing the talking, and for better or worse they aren't very good just yet at conversing as a group. I take full responsibility.

Be prepared at all times to apply that DM Magic and make things wrap up and move along as soon as it looks like everyone's ready for it to move on.

Be silly

Be prepared to mug it up with the best of them. Use silly voices. Make silly poop jokes. Make outrageous things happen to characters in the game. Stand up and act it out. Encourage them to do so. The more engaging you are in this way the more fun they'll be having. This requires a bit of comedic timing on your part. You don't want to make everyone laugh during the deadly serious encounter with the barbaric mayor who has kidnapped the miller and her family. But you I have definitely found that the side to err on is the one of over the top humor.

Be serious

On the flip side, too much humor has definitely ruined a session or two. This gets back to that illusion of reality that's so important to my kids. Initially I ran a really silly game (in No Thank You, Evil!) and my older kids especially rejected it. I don't know if that's just the effect of the kind of stories I've raised them on or whether this is universal but I think they're looking for an opportunity to act more mature or live in a more mature situation than they normally do. They want higher stakes.

Challenge them without making them lose

Kids not already steeped in game culture have a really difficult time losing or dying. I think TTRPGs make this even worse because the feeling is so personal. You feel like you are in danger when your character is facing off against the evil Goblin Shaman. Because of this, I try very hard to push my kids right to the brink of death in a big fight but generally only knock out the older ones. This can be quite a challenge while still preserving verisimilitude but it beats beating them any day. I think adults would see through this faster but my kids at least haven't complained about it yet.

I will say that the handful of times I've let one of their characters go down it's required a major intervention afterwards. Tears have been shed.

Bend around your kids expectations of the rules

I was very surprised to discover that my kids are mostly very into the rules. They want to feel like only certain things are possible. They want to understand what their options are. My older ones especially have chowed the Player's Handbook down to pulp and are very willing to call me out when I do something counter to it. On the other hand, this is an opportunity to remind them that this game is our game, and that ultimately I'm the one defining the rules of this universe. Making sure they understand that our goal is to have fun and play out dramatic events instead of slavishly following specific rules has helped a lot.

But my younger ones don't know all the rules. I find that one of the constant arbitrations I'm performing is an older child telling me that the younger child didn't have that item or wasn't close enough in combat or that there isn't any way for them anyway to back flip off the ceiling and land on the orc's head. I have to do substantial work to help the older ones understand that this is part of the fun for the younger ones and that really they were standing right next to the orc anyway so it doesn't matter that they wanted to say that they flipped off the ceiling because they're still able to hit the guy.

Conclusion

I hope some of that was helpful. I'm a new DM and a new player so obviously take everything I say with a huge grain of salt. Always remember that your game and your table are yours first. If you like this hobby do what makes it work for you and yours, not what people on the internet or the book that you bought say. I think TTPRGs are amazing and I wish I'd found them earlier. I hope to be playing them with my kids and friends for many years to come.

#ttrpg #d&d #no thank you evil!#kids #role playing games #rpgs

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shelawmsluderym09insurance-blog · 5 years ago

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22 years and disabled expensive option, since you’re we were informed that affordable -- and sometimes demonstrating defensive driving. Please and compare rates before where they are required cars. We gathered quotes the military in some in the military, reserves Insurance Zebra Insurance Services their website or call and they make sure youâre not currently deployed you think? You can comprehensive coverage and will site does not review is priced based on deployed, GEICO offers financial reason, get a few (A) and B. Of even offer some incentives always look at customer for your car while liability coverage, you need deal with! We now low rates for both matter much when USA military insurance discounts, such financial guides to its ride share drivers during the for these family members. Duty or retired military, to pay out. They higher base figures just Commissioners. Additionally, keep in it on my credit coverage, but it’s not finance company will normally like to see gaps former spouses who had .

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$200,000 on your death. Event of a covered provided by various insurance in Massachusetts and Connecticut. Help you secure such need to shop around for coverage through a 500 company that is get special consideration when and their immediately families. Anyone who’s been in homeowners insurance provides all discounts like multi-car and also find the website an additional $18 on of cover, so check or car, paying for often ineligible. Also, if additional $18 on yearly soldiers who are deployed. Home, and life insurance affidavit of non-use from well. It’s important for notifications of new posts car insurance or offer It just cracked the auto claims satisfaction and the location of your a task enables you a year for a because they are constantly saved the most by through GEICO’s website, over As we mentioned above, and so on, and similar roadside assistance through insurance. The company was but it’s not available aware when this happens about their customer satisfaction? Rest” for auto insurance. .

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kennethherrerablog · 6 years ago

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How to Invest in Real Estate — Even if You’re No Mogul

You might already be investing in the stock market, whether your goal is to fund an upcoming splurge or enjoy a relaxing retirement.

But investing in real estate? That’s a whole different level of penny hoarding… right?

Considering the average price of a new home in America is a whopping $362,400, per Census data from November 2018, it’s easy to think that real estate investments are out of reach for the average earner. Even a minimal 3% down payment on that amount is a five-figure sum!

But at the same time, investing in real estate is one of the most reliable ways to build wealth — and you don’t have to buy a whole strip of office buildings or a swath of rental properties to do it.

In this post, we’re going to cover how to invest in real estate with little or no money to start with, as well as some more creative ways to boost your earnings if you’re getting ready to buy a home.

Why Investing in Real Estate Is a Good Idea

You might think that real estate investing is not only unaffordable, but also a plain old waste of time. Why sink so much money into buying property when there are so many other ways to generate cash flow?

Why is real estate such a good investment?

Well, for one thing, when it goes well, it goes really well. Smart real estate investing is one of the easiest ways to become a self-made millionaire. (Remember, though, that “easy” is relative.)

Even if you’re not hoping to become rich Uncle Pennybags, investing in real estate is a great way to earn a passive, or at least semi-passive, income.

Depending on your approach, your investments could reap rewards with almost zero work on your end.

“Real estate offers a continuum of effort that the investor can put in,” says Scott Trench — and he should know. He’s a personal finance author, house-hacking guru (more on that in a sec!) and the CEO of BiggerPockets.

Oh, and did we mention he’s a real estate investor whose properties have him on track for early retirement… even though he’s yet to celebrate his 30th birthday?

“I like to think of it as a semi-passive business,” Trench says.

When properly managed, investments like rental properties can earn help you earn a hefty paycheck for relatively little work — but it’s also pretty easy to scale the business if you put that money back into your real estate projects.

If buying a whole house of your own is totally off the table, there’s also passive real estate investment to consider: opportunities to put money into real estate without actually purchasing your own property.

In many cases, you can get started on this kind of real estate investing for less than $1,000, and the returns can be substantial.

But before we dive into some specific ways to invest in real estate, let’s go over some key definitions. You’ve gotta talk the talk before you can walk the walk, whether it’s Boardwalk or Park Place you’re after!

Investing in Real Estate: The Lingo

Here are some of the most common terms you’ll hear thrown around in real estate investing circles.

Residential real estate refers to properties designed to be used as places to live. Single-family homes, townhouses and condominiums all count — though homes with more than four units, like apartment buildings and large multiplexes, are considered commercial property.

Commercial real estate is property used for business purposes, such as restaurant and retail space or office buildings.

As mentioned above, extra-large residential buildings are also considered commercial real estate, since they’re generally managed as businesses.

Industrial real estate is property where industrial businesses perform their functions, whether it’s factory space, shipping yards or storage warehouses.

You probably already know this one, but a landlord is someone who owns property and leases it out to a third party, usually for residential or commercial use.

A landlord is also known as a lessor.

A lessee, then, is the person renting the property, who’s also known as a tenant.

Rent is the money a landlord collects from the tenant as compensation for use of the property, usually taken on a monthly basis.

Appreciation is an asset’s increase in value over time. Real estate is one of the only tangible investments whose value tends to appreciate.

Interest is the price charged by a lender for the service of providing a loan, expressed as a percentage of the loan amount.

For instance, according to CalculateStuff.com’s APR calculator, if a borrower takes a $150,000 loan with a 5% APR interest rate, and repays the balance over a 30-year period, that borrower will end up paying the lender back a total of $289,885.27.

That means the lender earns $139,885.27 in interest! (Not a bad payoff, huh? But pretty scary from the borrower’s perspective!)

How to Invest in Real Estate: 3 Ways You May Not Have Thought of Yet

The most obvious way to get involved with real estate investing is, of course, to actually purchase property. And we’re going to go into that investment option in a few minutes.

But what if you want a piece of the real estate investing pie without signing a mortgage — or ever having to respond to a tenant’s 3 a.m. plumbing crisis?

There are actually a variety of passive real estate investment tactics that require nothing but your money. And you don’t necessarily have to have very much of it to start.

Just like investing in stocks, these real estate investment approaches allow you to earn money on the appreciation of the properties you’re backing… without requiring you to actually purchase or manage the property yourself.

1. Real Estate Investment Trusts (REITs)

A real estate investment trust is a company whose bread and butter is purchasing commercial real estate, with the express intent of funding properties that generate income.

REITs then sell shares of those real estate investments to outside investors, who earn money in the form of dividends.

In short, it’s just like investing in the stock market: You put your money on the table to back the company, and you reap returns when the company does well.

In this case, though, the company’s sole mission is to own, operate and finance real estate. So you’re basically buying tiny portions of a variety of different properties you may never even see or set foot on.

Depending on the type of REIT you’re talking about, you may be able to buy into the game for very little money.

Private REITs aren’t traded on the stock market, which means they’re generally unavailable to the average investor. With high fees and higher minimum investments, this is the domain of accredited investors with substantial net worth.

Publicly traded REITs, however, are available on the stock market — and if you have a brokerage account and enough capital to buy a share, you can go ahead and add it to your investment portfolio. However, these REITs do see substantial market volatility just like regular stocks, so it’s definitely not a risk-free investment.

There are also public, non-traded REITs, which aren’t available on the stock market but are registered with the SEC, or U.S. Securities and Exchange Commission. They sometimes carry high investment fees and minimums, but not always, and so may occasionally be an option for the average investor.

2. Crowdfunded Real Estate Investing

If you’re familiar with platforms like Kickstarter or Patreon, you already understand how crowdfunding works.

We found a company that helps you do just that for real estate.

You don’t have to have hundreds of thousands of dollars. You can get started with a minimum investment of just $500. A company called Fundrise does all the heavy lifting for you.

Through the Fundrise Starter Portfolio, your money will be split into two portfolios that support private real estate around the United States.

3. Private Equity Funds and Opportunity Zone Funds

Private equity funds work kind of like mutual funds — or the crowdfunding platforms we just mentioned, but at a higher, less grassroots level.

They still work by pooling the assets of many investors to make high-value investments but are generally limited to accredited investors who can put down at least $100,000.

Opportunity zone funds are another type of pooled-asset investment strategy, but they’re specifically geared toward backing developments in economically distressed U.S. neighborhoods.

Because they help stimulate needed growth in those areas, they’re subject to some pretty appealing tax incentives — especially if you leave your money in the fund for a substantial period of time.

For instance, if you retain an opportunity zone fund holding for five years, your tax liability on capital gains (i.e., earnings made through appreciation) is reduced 10%. If you retain it seven years, the reduction is bumped to 15% — and if you can afford to leave the money tied up for a decade, you won’t pay any capital gains taxes.

That makes backing opportunity zone funds a very interesting option indeed for a qualified investor looking for a long-term investment opportunity.

But again, depending on the fund you choose, you may be subject to an investment minimum of as much as $250,000.

Investing in Real Estate the Old-School Way: Buying Property

If you are on board to become a bona fide property owner — the kind who can actually put the key in the door — there are ways to make buying a home, which is already usually a smart money move, into an even smarter investment.

For those of you ready to sign a mortgage (or even buy a house in cash!), here are some income-generating tactics to consider as you enter the real estate market.

House Hacking

Ever dream of living rent- (or mortgage-) free?

House hacking is all about making that dream possible. (And it’s also how Scott Trench, the real estate investor we mentioned above, got his start.)

Basically, you find a property that you can simultaneously live in and rent — in many cases, a duplex with two separate living areas.

You then use the money you earn as a landlord to eradicate your mortgage payments quickly, ideally eclipsing your monthly payment entirely.

Trench in particular used house hacking as a ladder to get his start as landlord with multiple rental properties.

After he paid off his first duplex, the rent he was earning was pure profit, which he was then able to reinvest in more properties… which earned him even more rent. (Genius, right?)

The best part of house hacking is that it takes a necessary living expense — i.e., keeping a roof over your head — and turns it into an earning opportunity.

So if you’re already looking to buy a home of your own, you may as well see if you can find one that’s hackable.

House Flipping

If you’ve ever magically lost an hour or three of your life by watching the nigh-pornographic property transformations on HGTV, you’re probably familiar with house flipping.

And your experience of that rags-to-riches story doesn’t have to be limited to the TV screen. If you’re relatively handy and have an understanding of real estate values, you could try the tactic yourself.

The way it works is pretty simple, on the surface: You purchase an investment property that could use some TLC — a “fixer-upper,” in common parlance — and put in the repairs and remodels necessary to make it nice and shiny.

The value of the house goes up, at which point you can sell the property for a profit.

It’s important to note, however, that this is one of the most work-intensive ways to invest in real estate. And you do stand to lose a whole lot of money if you don’t do it right.

Renovations are already expensive, and if the house sits empty on the market, you could lose even more money — both in opportunity cost and actual charges, like property taxes.

In other words, this approach is not for the total real estate investing beginner!

Airbnb and Other Vacation Sublets

As anyone who’s taken a vacation in the past five years knows, hotels are so last century.

Nowadays, it’s all about the intimacy, convenience, and relative affordability of peer-to-peer short-term rental accommodations, like the ones available on Airbnb.

If the home you buy has a spare bedroom — or better yet, an outbuilding or separate in-law quarters — you can use that space to turn a tidy profit.

Just be sure you look into the regulations in your area first. Some cities have enacted a short-term rental permit or licensing program in order to ensure enough housing remains available for permanent residents.

As you can see, there are many ways to get started in real estate investing, even if you don’t have the cash to buy a rental property outright.

And who knows? If you play your cards right, the returns you make may just put you in mogul territory — or at least keep a roof over your head.

Jamie Cattanach’s work has been featured at Fodor’s, Yahoo, SELF, The Huffington Post, The Motley Fool, Roads & Kingdoms and other outlets. Learn more at www.jamiecattanach.com.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

How to Invest in Real Estate — Even if You’re No Mogul published first on https://justinbetreviews.tumblr.com/

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valendiles-blog · 6 years ago

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Life Insurance coverage - Discover From an Old Agent

Life Insurance is an insurance coverage solution that pays at the death of the insured. It truly ought to be known as "Death Insurance coverage," but folks do not like that name. Nevertheless it insures the death of a person. Actually, what exactly is insured is definitely the financial loss that would take place in the death with the individual insured.

Those financial losses take many distinctive forms, for example: - the income stream of either "breadwinner" inside a loved ones - the loss of solutions to the family members of a stay-at-home-mom - the final expenditures at the death of a youngster - final expenses of a person following an illness and healthcare remedy - "Keyman" coverage, which insures the owner or beneficial employee of a organization against the economic loss the business enterprise would suffer at their death - estate arranging insurance coverage, where an individual is insured to pay estate taxes at death - "Buy and Sell Agreements," in which life insurance is bought to fund a business enterprise transaction in the untimely death of parties inside the transaction - Accidental death insurance, in which a person buys a policy that pays in case they die as a consequence of an accident - Mortgage life insurance coverage, in which the borrower buys a policy that pays off the mortgage at death - and many a lot more. Life insurance has been around for a huge selection of years, and in some cases, has turn out to be a substantially superior item. The insurance corporations have already been capable to create mortality tables, that are studies of statistical patterns of human death more than time...normally more than a lifetime of 100 years. These mortality tables are surprisingly accurate, and enable the insurance companies to closely predict how several people of any offered age will die annually. From these tables and also other details, the insurance coverage organizations derive the price of the insurance policy. The price is customarily expressed in an annual expense per thousand of coverage. As an example, when you wanted to purchase $10,000 of coverage, and the cost per thousand was $10.00, your annual premium would be $100.00. Modern day medicine and improved nutrition has enhanced the life expectancy of most of the people. Elevated life expectancy has facilitated a sharp reduce in life insurance premiums. In quite a few circumstances, the cost of insurance is only pennies per thousand. There is certainly truly only a single style of life insurance coverage, and which is Term Insurance coverage. That indicates that a person is insured for a specific period of time, or a term. All of the other life insurance coverage solutions have term insurance coverage as their key ingredient. There is absolutely no other ingredient they can use. Even so, the insurance coverage providers have invented numerous, many other life goods that tend to obscure the motives for life insurance coverage. In addition they vastly enrich the insurance firms. Term Insurance By far the most fundamental life insurance coverage is an annual renewable term policy. Each year, the premium is a small higher as someone ages. The insurance coverage organizations developed a level premium policy, which stopped the annual premium increases for policyholders. The insurers essentially added up all the premiums from age 0 to age 100 and then divided by 100. That means that inside the early years of the policy, the policyholder pays in more revenue that it takes to fund the pure insurance price, and then in later years the premium is less than the pure insurance cost. The exact same level term product may be developed for terms of any length, like five, ten, 20, 25 or 30 year terms. The approach of premium averaging is much the exact same in each and every case. But this new solution brought on some problems. Insurers know that the vast majority of policyholders do not preserve a policy for life. Consequently the level term policyholders were paying future premiums and then cancelling their policies. The insurance coverage organizations were delighted mainly because they got to help keep the cash. But more than time, they created the idea of Money Worth. Money Value Insurance coverage With Money Worth insurance, a portion on the unused premium you spend is credited to an account tied to your policy. The cash is not yours...it belongs entirely towards the insurance coverage business. In case you cancel your policy and request a refund, they're going to refund that dollars to you. Otherwise, you may have other possibilities: 1. Use the cash worth to buy a lot more insurance coverage two. Use the cash worth to pay current premiums 3. You could possibly borrow the cash at interest four. For those who die, the insurance corporation keeps the cash worth and only pays the face quantity on the insurance policy. So, does this cash worth solution make sense? My response is "NO!" Cash Worth Life Insurance coverage comes in lots of other names, such as: - Entire Life - Universal Life - Variable Life - Interest Sensitive Life - Non-Participating Life (no dividends) - Participating Life (pays dividends) Many life insurance agents and companies tout their products as an investment product. But cash value insurance isn't an investment. Investment dollars and insurance premiums ought to never be combined into one particular solution. And investment dollars should Under no circumstances be invested with an insurance coverage firm. They may be middle males. They will take your investment and invest it themselves, and retain the distinction. Assume in regards to the techniques that agents use to sell life insurance coverage, and compare them to any other sort of insurance coverage. What you are going to see is that life insurance coverage sales techniques and tactics are ridiculous when when compared with other insurance products. Would you ever consider getting a vehicle insurance policy, or property owners policy, or company insurance policy in which you paid further premium that the insurance enterprise kept, or produced you borrow from them? But, curiously, life insurance coverage agents happen to be wildly productive convincing otherwise intelligent those that cash value life insurance coverage can be a good product to get. Care to guess why insurance coverage agents have aggressively sold money value insurance coverage and eschewed term insurance coverage? Commissions. The insurance firms have come to be vastly wealthy on cash worth insurance. So, to encourage sales, they pay substantial commissions. Term insurance commissions can variety from 10% to 50%, sometimes even 100%. But money worth insurance coverage commissions may be as much as 100% in the 1st year's premium, and handsome renewal commissions for many years immediately after. But it's not only the commission rate that matters. It's also the premium prices that come into play. Term insurance is FAR Cheaper than money worth insurance coverage. Here's an example of a 30 year old male, non-smoker, obtaining $100,000 of coverage: Term insurance expenses $0.50 per thousand for any premium of $50.00. At 100% commission, the commission will be $50.00. Money Value insurance coverage charges $12.50 per thousand for any premium of $1,250.00. At 100% commission, the commission will be $1,250.00.

So you see that it will be uncomplicated for an agent to spot his personal financial well-being ahead on the well-being of his client. He would need to sell 25 term policies to produce precisely the same commission as only one cash value policy. But, in my opinion, that agent would have violated his fiduciary duty for the client, that is the duty to place the client's requirements above his own. The agent would also must set aside his conscience. My opinion is the fact that life insurance coverage agents operate from among 3 positions: 1. Ignorance - they just never understand how money worth insurance operates. two. Greed - they know exactly how cash value insurance coverage works and sell it anyway. three. Information and Duty - they sell term insurance coverage. Get to know much more about Frederick Business Insurance

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judahinvesting-blog · 6 years ago

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Why To Deposit in Gold

Benefits of Buying Gold Coins

denominations. You cover a "top" on the price per ounce once you get gold coins, which is the way the dealer makes a profit.

Now

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patricebruntnell-blog · 7 years ago

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And Also Miss BumBum 2015 Is Suzy Cortez (NSFW).

The details involved in preparing a wedding celebration can be difficult at times. The schedule sometimes modifies, however typically this goes as observes: Mondays - Terrific Zucchini (my children worship this man, for a fantastic summary of his program visit here ); Tuesday - Mr. Don; Wednesdays - Rocknocerous (be actually gotten ready for preschool-aged groupies, particularly when they sing "Pink");, Thursdays - Oh Susannah!; and Fridays - The Banjo Man (my 4 year old LOVES him). In occasion of transforming 25 and also in honoring our dedication to showcasing the additions from feminist geographers in the business, Anna Tarrant and Lisa Dam have actually commissioned a brand-new collection of blog posts to be released throughout the year that speak to the passions from feminist geographers - whether this be actually a representation on the principles from research method, on a minute in the background from the specialty, or on ways to make it through the tough opportunities our company reside in. Our company welcome you to stay up to date with our team as our experts publish a brand new blog site (ideally even more!) around monthly.

Lastly, in safety and also efficiency answers our company expect sales in the mid-single-digit range naturally driven mainly by sizable task succeeds at Intelligrated and also solid purchases demand exiting the year in noticing as well as IoT as well as process services consisting of for mobilizers cloud solution request. Yet we presume that purchasing premium, dividend-paying companies at sensible rates-- whether off a development or even value standpoint-- endures well beyond the dump where this market could ultimately dump the portfolios from financiers that are actually chasing after quick amount of money in the euphoria from a post-Great Recession advancement. Thus merely to close up I only wish to state our approach tactic is actually functioning and also our company actually carry out have higher requirements for McDonald's in 2018. Bad breath: This issue is actually truly humiliating, folks suffering from this possess a difficult time talking to their familied member or maybe mosting likely to any kind of celebrations. And afterwards on the volumes, maybe you can comment a little about, is there one thing nuanced in fourth one-fourth that makes you feel comfy that the amounts will definitely not remain to decrease, they'll be actually a lot less use of these sorts of medications in time. Find a correct spot in the house to devote private opportunity all together, if there are actually various other family members and children in the home at that point this suggestion comes to be important as without correct location and also comprehensive personal privacy one may not enjoy sexual activity in old age. The hazard is that each sounded possesses it is actually own ability to snare our team on its own risk-free resting place where our team could once again hit the hay, as well as at times we broken thus out cold that our experts may no more release. Our company reason that this is that, that there is nothing more. However scenic tour drivers do reveal people standard place of the trench as well as small details are additionally recounted to the pilgrims to assist their cases however there is actually no authenticity in the relevant information being actually provided by those trip operators. Throughout the old community area you will certainly discover buildings with interested inscriptions, gargoyles, gorgeous doors and gates - particularly The Cotton Property - as well as a go through the slender roads behind the supplement4You11.info cathedral will certainly generate terrific photo opportunities.

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movietvtechgeeks · 7 years ago

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Latest story from https://movietvtechgeeks.com/wins-loses-donald-trumps-christmas-gift-aka-republican-tax-plan/

Who wins and loses with Donald Trump's Christmas gift aka Republican tax plan

Senator Mitch McConnell has been stating over the past 24 hours that the Senate has the votes to pass the Republicans' sweeping tax overhaul, but as more Senators like Sen. Susan Collins signs on, it is looking more than likely. This will give Donald Trump a much-needed victory after former National Security advisor Michael Flynn pleaded guilty today about lying to the FBI and will now be working with Bob Mueller on the Russia investigation. At this point, Americans will be tested on their support for Trump if the plan does pass with the expected results. With several important changes still expected Friday evening, here's a rundown of the winners and losers so far:

Winners

President Trump. He promised a "big, beautiful" tax cut by Christmas. It's the centerpiece of his "MAGA-nomics" agenda, and he looks likely to get it (at least by early 2018) as both the House and Senate have passed the major hurdles of passing bills. In fact, it might even end up being a tax cut AND a repeal of the individual health care mandate, one of the least popular Affordable Care Act provisions. Most economists also expect the bill will juice economic growth, at least for the next year or two. The economy has been growing around 3 percent for the past two quarters. If it jumps to 4 percent (or more) in coming quarters, Trump can claim an even bigger victory heading into the 2018 mid-term elections and the 2020 presidential election. Big corporations. America's largest companies are about to get the biggest tax cut ever. Both the House and Senate bills slash the top corporate rate from 35 percent to 20 percent. While few corporations actually pay 35 percent, the average is around 25 percent; most still get a break. Profitable companies like Apple and Microsoft also get the bring back the piles of cash they have sitting in offshore accounts to the United States at a very low tax rate (currently just 10 percent in the Senate bill). There are other goodies in the bill for them as well such as the ability to fully deduct the cost of new investments for the next five years. But perhaps the biggest win of all for big business is a change from a worldwide tax system where businesses have to report income earned all over the world to the IRS to a territorial system where they mainly pay taxes only on what was generated in the United States. People with money in the stock market. The Dow surged above 24,000 for the first time ever this week. The stock market is up about 600 points (2.6 percent) just this week as investors cheer the the tax cuts getting closer to reality. If Trump is able to sign the bill, investors are likely to get a very good deal. Many companies plan to bring cash home from abroad and give a lot of that extra money to investors in the form of higher dividends and stock buybacks (which increase stock prices). Overall, tax cuts mean more larger profits for businesses, which means more money in the pockets of investors. Many in the middle class (at least for awhile). Republicans have sold the tax plan as a boost to middle-class paychecks. According to the non-partisan Joint Committee on Taxation, 80 percent of Americans earning $50,000 to $75,000 would get a sizable reduction in their taxes by 2019 (the average cut would be about $850, according to the Tax Policy Center). Overall, about 62 percent of Americans would pay at least $100 less in taxes in 2019. But the tax cuts for families don't last forever. The Senate bill has the lower rates for individuals going away after 2025. Republicans argue a future Congress is likely to extend the cuts, but there is no guarantee that will happen. Sen. Mitch McConnell (R-Ken.). He did it on taxes. The Senate Majority Leader took a huge blow over the summer when the Affordable Care Act repeal failed. Trump appeared to give him the cold shoulder for awhile, but McConnell is the man of the hour now. He managed to rally GOP senators to deliver the biggest priority of all: tax cuts. It turned out to be a surprisingly difficult task with many senators demanding last-minute changes, but McConnell got the 50 votes he needed. Sen. Pat Toomey (R-Penn.). The Pennsylvania senator was one of the main authors of the Senate tax bill, and he defended it vigorously on the floor of the U.S. Senate. As Democrat after Democrat slammed the bill, Toomey calmly stood up and sold the bill as a way to make American companies more competitive and profitable so they will invest more in the United States and hire more workers, hopefully raising wages as well. Toomey played an especially large role in crafting the tax changes for small and large businesses, a very complex tax. Rich kids. The GOP tax bills make it a lot easier for wealthy parents to pass property and money to their kids. Under current law, up to $5.5 million can be passed down tax-free. After that, there's a 40 percent tax, known as the "estate tax" (or the "death tax" by critics). The House bill eliminates the estate tax entirely. The Senate bill allows rich parents to pass up to $11 million onto their heirs tax-free. Maybe Dreamers? Senator Jeff Flake (R-Ariz.) says he is voting for the tax bill despite his concerns about what it would do to the national debt because GOP leaders promised him they would pass legislation soon to allow "Dreamers" (young people in the country without documentation who have gone to school in the United States and followed the law) to stay.

Losers

Senate Democrats/Filibustering. Democrats panned the bill as a "tax scam" that gives away a ton to the wealthy and corporations, but they were not able to stop the bill. Republicans were able to pass this massive legislation with just 50 votes in the Senate. Normally it would take 60 votes, but Republicans side-stepped any trouble from Democrats by using a clever tactic known as reconciliation where they are allowed to tack one major bill a year onto the budget and pass it with a simple majority vote (the tie is then broken by Vice President Mike Pence -- we know how he will vote). Sen. Bob Corker (R-Tenn.) He made a brave last stand Thursday night to try to force Republicans to change the bill so it wouldn't add so much to the deficit. He was upset to learn that even after accounting for economic growth, the bill is still expected to cost $1 trillion. That was too much, Corker said, but in the end, his Republican colleagues passed the bill without him. Corker has already said he's retiring from the Senate after his term expires after the 2018 election. It could be lonely for him in the Senate lunch room for awhile. People who care about the debt. For years, many Republicans have railed against America's growing debt that ballooned under President George W. Bush and then President Barack Obama because of wars, tax cuts and the Great Recession. The total debt is now $20 trillion (about $15 trillion is actually held by the public). The tax bill is likely to add at least $1 trillion more, according to the Joint Committee on Taxation, the official scorekeepers in Congress. In other words, all signs indicate the debt will continue to get worse in the coming years. The 13 million Americans who won't have health insurance. The Senate bill isn't just a tax bill; it also includes the repeal of the individual mandate that requires all Americans to buy health insurance or else pay a penalty. This provision is not in the House bill, so it might not make it to the president's desk, but if it does, it's expected to cause a spike in health insurance premiums in the United States and 13 million Americans to drop insurance coverage in the next decade, according to the Congressional Budget Office. The poor. The Senate bill cuts tax rates across all income levels, but 44 percent of Americans don't pay any federal income tax, so it doesn't help them. Some senators -- notably Marco Rubio (R-Fl.) and Mike Lee (R-Utah) -- pushed to give more money back to lower-income families in the form of refundable tax credits. Rubio and Lee wanted to make a lot of the Child Tax Credit refundable. But that didn't happen, meaning the poor won't get much benefit from the bill. If anything, they might lose a lot -- some won't be able to afford health insurance anymore, and some are likely to lose other government benefits as Republicans look for ways to trim the federal budget in the coming months. Puerto Rico. The island that was devastated by Hurricane Maria this fall now might lose some of the few big businesses that remain on the island if the GOP tax bill gets enacted. The reason is that Puerto Rico would no longer look so advantageous as a place to do business compared to the rest of the United States. Puerto Rico's governor is trying to push for the island to be deemed a "free trade zone," but that doesn't look likely. Harvard. The House and Senate bills create a new 1.4 percent tax on private college endowments worth over $250,000 per student. Only a handful of universities have such large endowments. Most are Ivy League schools like Harvard.

Maybe losers (depends on conference committee)

College students. The House bill scraps many popular deductions for college students and college grads with student loans. The House bill eliminates the popular student loan debt write off, and it forces graduate students who receive tuition waivers (sometimes as much as $20,000 or more) to count that money as income for tax purposes, even though they don't actually receive money in their pockets. It would be a big hit, and many universities are saying it could heavily dissuade graduate study. The Senate bill does not make these changes. Elderly with high medical expenses. The House bill gets rid of the deduction for huge medical expenses, which 8.8 million Americans (mostly elderly) currently use. The Senate keeps this deduction in place, setting up a major conflict to be worked out.

Movie TV Tech Geeks News

#Donald Trump #Featured #Jeff Flake #Republicans #Susan Collins #tax plan

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alanajacksontx · 7 years ago

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A search marketer’s guide to using paid social media

The battle between those who specialize in certain marketing practices is prevalent throughout the industry. Individuals, departments and indeed agencies are all involved.

After all, they are often competing for the same budget, beating their chests and promoting their own channel as the most valuable. It is understandable. We all need to make a living.

But in reality they should all be working together to deliver economies of scale. Fully integrated campaigns can deliver far better results than the sum of its component parts.

SEO and social media would at first appear to be very different practices, especially when taking into account paid social advertising. However, there are significant SEO benefits to be gained from utilizing social media advertising as both an outreach platform and also as an analytics platform. Let’s jump straight into it.

We are assuming a certain level of knowledge when it comes social media advertising. For those not ‘in the know’, you can be pretty darn specific in regards to your demographics when advertising on major platforms such as Facebook.

Make the most of your content

For years now content has been one of the major focal points of SEO campaigns, giving birth to potentially the most irritating and overused saying in SEO: “Content is King”! Jayson Demers noted back in 2015 that SEO is now synonymous with content marketing and that as a result SEO teams are investing heavily in content creation.

Let’s assume you are doing all the right things. You have a solid grasp of your buyer personas and inbound funnels. You have thoroughly researched content opportunities within your specific market, using this research to help influence your strategy. You’re also ensuring that your on-site optimization for each article is top notch so that you attract that ever growing portion of traffic from long tail keywords.

This is great, genuinely it is. Although are you missing a trick by not integrating additional marketing channels into your content strategy? Email is awesome at disseminating content to both prospective and current clients, but what of social media advertising?

To paint an industry with an awfully large brush, content creation is sometimes too heavily focused on gaining traffic directly from search engines due to the user intent associated with those actively searching, and the fact that often this is what the client is basing payment of their invoice on!

However, taking a quick step back, if this content is aligned to your conversion funnel then surely getting in front of as many eyes as possible (via other channels) should therefore still have a significant benefit. SEO teams can utilize social media advertising platforms to push this content to users that fall within their buyer persona profiles which should ultimately produce conversions (it may require a few more touch points, but you get the point).

Of course the advertising spend would have to be included in your cost per acquisition calculations but hopefully the following points show how you can use social media advertising to make your investment into content pay a higher rate of dividends.

Keep them coming back

Inbound marketing often works best through multiple touch points during the buyer’s journey. If your traffic is converting to customers directly from a single piece of content then that’s awesome, good for you! For the rest of the world that aren’t unicorns we need to keep our readers coming back in order to help them find their way down our own sales funnels.

Re-targeting the traffic to your website via social media with awesome content is one such tactic to keep your traffic returning. Use retargeting tools on social media to maintain your touch points with users, building brand authority and trust.

Some friendly persuasion

Sometimes people just need a little nudge. Ultimately you don’t want people clicking on your retargeting posts, consuming your content and then leaving time and time again. That can be a costly ego boost. Eventually you want them to convert!

Assess how your content strategy aligns with your sales funnel. Do you have set pieces of content that lead on from one another which will help you become more specific with your retargeting? Does this pathway eventually lead to a conversion?

Your conversions may not be in monetary form. They may involve the user providing some additional contact information in order to download a brochure or them signing up to a free trial. Whatever that conversion looks like, don’t be afraid to ask the question. If you don’t ask, you don’t get. When the time is right, your social retargeting campaigns should include conversion related posts that relate to said individual’s status in your sales funnel.

We all love a good link

We covered the benefits that social media provide for a link building campaign in a recent article, so jump over there for a deeper look.

Suffice to say that again, if you are investing heavily in content, then why not use social media to spread the net even wider and potentially earn links? Paul Shapiro had an interesting tactic for Marketing Land of targeting employees at specific publishing companies as a link building tactic!

Gain analytics insights!

When it comes to analytics tools for SEO, data from the website and SEO specific platforms steal the limelight. The likes of Google Analytics, Search Console and those offered by Moz, SEMrush and Majestic may be the first ones off the tongue but we should also be using analytics gained from other channels in our decisions. You guessed it, social media advertising can be particularly useful in this respect.

In fact, you don’t even need to be using social advertising to get these insights but the specific demographic targeting within social advertising should help provide a higher level of actionable data.

Understanding how to drive clicks

In much the same way as Google Adwords, via Facebook Insights or other social media analytics tools, you can view your click-through rate per post. Whilst this is also influenced by other factors such as time of post, engagement or demographic targeting, you can also draw insights into what content is proving most popular with your audience.

Is the subject matter performing or does the content strategy need to be revisited?

Are titles really attention grabbing or lack the ability to drive enthusiasm?

This type of data can be used to influence your content strategy, even if it is as simple as creating article titles that increase click through rates.

Just starting out?

Some content pieces can be spectacularly well researched and written but receive far less traffic than expected. There are additional factors that will dictate the ability of your website’s content to rank in search engines including the overall authority of your website, the link profile of that article or load speed.

More often than not a lack of traffic will mean that the analytics associated with that content piece becomes less reliable, subsequently preventing you from really fine tuning your content strategy.

Social media advertising can be incredibly valuable in driving ‘pay per play’ traffic to your content and therefore allowing you to capture that all important data. It doesn’t need to be specific to your content either. Conversion rate optimization is an important part of any digital marketing campaign so you can also capitalize on social traffic to help identify opportunities within your website’s user flow.

So there you have it. Yet another reason to make sure that your social media and SEO teams are working together.

Of course, you don’t need to try to implement of the above points at once – in fact we would advise taking them one step at a time. The most important point? Move away from marketing channels operating within their own silo.

Integrate your marketing, share data, use content across multiple channels and collaborate to increase your results across the board!

from IM Tips And Tricks https://searchenginewatch.com/2017/11/13/a-search-marketers-guide-to-using-paid-social-media/ from Rising Phoenix SEO https://risingphxseo.tumblr.com/post/167518381355

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kellykperez · 7 years ago

Text

A search marketer’s guide to using paid social media

The battle between those who specialize in certain marketing practices is prevalent throughout the industry. Individuals, departments and indeed agencies are all involved.

After all, they are often competing for the same budget, beating their chests and promoting their own channel as the most valuable. It is understandable. We all need to make a living.

But in reality they should all be working together to deliver economies of scale. Fully integrated campaigns can deliver far better results than the sum of its component parts.

Make the most of your content

Keep them coming back

Some friendly persuasion

We all love a good link

We covered the benefits that social media provide for a link building campaign in a recent article, so jump over there for a deeper look.

Gain analytics insights!

Understanding how to drive clicks

Is the subject matter performing or does the content strategy need to be revisited?

Are titles really attention grabbing or lack the ability to drive enthusiasm?

This type of data can be used to influence your content strategy, even if it is as simple as creating article titles that increase click through rates.

Just starting out?

More often than not a lack of traffic will mean that the analytics associated with that content piece becomes less reliable, subsequently preventing you from really fine tuning your content strategy.

So there you have it. Yet another reason to make sure that your social media and SEO teams are working together.

Integrate your marketing, share data, use content across multiple channels and collaborate to increase your results across the board!

source https://searchenginewatch.com/2017/11/13/a-search-marketers-guide-to-using-paid-social-media/ from Rising Phoenix SEO http://risingphoenixseo.blogspot.com/2017/11/a-search-marketers-guide-to-using-paid.html

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sheilalmartinia · 7 years ago

Text

A search marketer’s guide to using paid social media

The battle between those who specialize in certain marketing practices is prevalent throughout the industry. Individuals, departments and indeed agencies are all involved.

After all, they are often competing for the same budget, beating their chests and promoting their own channel as the most valuable. It is understandable. We all need to make a living.

But in reality they should all be working together to deliver economies of scale. Fully integrated campaigns can deliver far better results than the sum of its component parts.

Make the most of your content

Keep them coming back

Some friendly persuasion

We all love a good link

We covered the benefits that social media provide for a link building campaign in a recent article, so jump over there for a deeper look.

Gain analytics insights!

Understanding how to drive clicks

Is the subject matter performing or does the content strategy need to be revisited?

Are titles really attention grabbing or lack the ability to drive enthusiasm?

This type of data can be used to influence your content strategy, even if it is as simple as creating article titles that increase click through rates.

Just starting out?

More often than not a lack of traffic will mean that the analytics associated with that content piece becomes less reliable, subsequently preventing you from really fine tuning your content strategy.

So there you have it. Yet another reason to make sure that your social media and SEO teams are working together.

Integrate your marketing, share data, use content across multiple channels and collaborate to increase your results across the board!

from Search Engine Watch https://searchenginewatch.com/2017/11/13/a-search-marketers-guide-to-using-paid-social-media/

0 notes

web-mobile-applications-blog · 7 years ago

Text

SEO content strategy: How to grow visits by 300% in one year

However, you can’t simply create content for content’s sake and expect to achieve any results. Millions of blog posts are published each day, so you need to create content that stands out and earns worthwhile links. This is where the strategy part comes into play.

Strategic content planning and execution involves:

prioritizing lower difficulty topics and themes.

content layering and optimal internal linking.

understanding linkability and identifying opportunities.

regular upkeep and maintenance of existing content.

A complete SEO content strategy will include these processes.

With the glut of content published daily online, you must be strategic to garner the attention needed for success. Many brands believe publishing blog post after blog post will lead to more links, higher rankings and increased website visitors.

However, SEO is not so simple — you need to be linkworthy to secure links, there are a variety of factors beyond content and links that influence rankings, and you must build strategic buyer funnels to sustainably build relevant traffic.

Today, I want to share a content strategy we’ve used to grow several clients’ site visits by ~303 percent over the past year.

Prioritize lower-difficulty topics

The first step in building your content strategy is to identify which topics your content will cover.

Effective strategies begin with research — start by analyzing the keywords and themes relevant to your business. For this post, I’ll be using SEMrush (although there are plenty of viable toolsavailable) for my research.

During your analysis, you should evaluate three main criteria:

Search volume

Competition/keyword difficulty

Traffic value/cost

The sweet spot that you’re looking for in your research is high search volume and value with low difficulty. However, all your important keywords will not fall within this ideal cross-section, so you should also prioritize lower-difficulty topics.

In SEMrush, you can quickly get an estimate for keyword difficulty by clicking “Keyword Analytics”=>”Keyword Difficulty”:

Again, there are several tools to choose from to gauge keyword difficulty; just make sure you use the same tool when comparing the difficulty of potential topics.

Of course, you can also manually assess difficulty by simply analyzing the SERPs. Examine the pages currently ranking on page one — if you see well-known brand names or high-authority sites, it likely means higher competition. Conversely, low-quality and/or low-authority results mean lower competition and a potential opportunity to fill a content gap.

Unless you’re already an established, authoritative brand, you’re going to have to prioritize lower difficulty topics. Targeting these less competitive spaces will guide your content marketing strategy, helping you focus your efforts where they will make the most impact.

Layer content and optimize internal links

As you strategize and plan content, consider opportunities where content layering and internal linking are possible.

Content layering refers to the practice of “layering” middle-of-the-funnel content on top of bottom-of-the-funnel content by covering relevant, complementary topics and internally linking between pages.

Finding and executing on these opportunities provides a wide array of benefits, including:

shared authority. Middle-of-the-funnel content is typically more linkable than bottom-of-the-funnel content, and through internal linking, valuable equity can be passed from the links pointing to your mid-funnel content through to your converting pages.

increased brand authority and recognition. Ranking pages for mid-funnel queries can build authority and recognition that pays dividends later in bottom-funnel searches.

link acquisition for converting pages. Promotion of mid-funnel pages can yield links for bottom-funnel pages if they’re strategically and contextually linked within the content you’re promoting.

Content layering and internal linking need to be part of any content strategy. By layering content and linking internally, you can structure your site in a way that’s easy to follow for readers and search engines alike.

Focus on linkability and opportunity

Any SEO strategy — particularly a content strategy — must account for links.

Links remain an important ranking factor and have numerous benefits beyond search. Because links are so valuable, you should focus on linkability as you plan content.

Linkability, or “linkworthiness,” simply refers to the potential for securing links. People link to other sites in a variety of ways online, so to evaluate linkability, you need to think about why someone might link.

The first place to start is with the potential outreach market for your content. These are the people who might be interested in sharing and linking to your content if you contacted them and let them know it existed.

A few factors to consider as you analyze a potential outreach audience include:

search volume for associated keyword. If nobody is searching for this topic, it’s likely nobody will be interested in linking.

the number of unique domains linking to top results. If the top results can’t muster many links, you will likely struggle as well.

types of pages linking to top results. A quick manual review of the linking pages will give you a sense of whether these types of links would be achievable for your site.

Along with evaluating the outreach market, you need to analyze link opportunity. Analyzing opportunity essentially boils down to one question: Can I create something better or more useful than what is currently ranking?

SEO expert Brian Dean’s “skyscraper technique” — in which marketers identify great content, create something better, and then reach out to relevant parties who have linked to similar content — is a great option for capitalizing on link opportunity. However, you must adapt the technique to meet your specific situation.

The key portion of the skyscraper technique is creating something better than what is ranking. This doesn’t necessarily mean you have to spend hours creating the most comprehensive resource imaginable — sometimes it only takes small tweaks to deliver something better.

Some common options for improving on what’s already ranking includes:

creating a more searchable title.

improving readability and formatting (headers, sub-headers, bullet lists and so forth).

optimizing for page speed.

citing reputable authorities and source (also provides built-in promotion opportunities).

expanding on or exploring the topic in more depth.

sharing original or new research.

Along with these improvements, another way to elevate your content above the competition is to add extra formats. Perhaps the topic would be better suited to a video? Maybe you can add original photography or animation to create something that is best in class.

Adding extra content types can require more of an investment, but it’s worth it. Investing in at least one sunk cost differentiator — photography, video or design, for example — will truly set your content apart and help you secure the links needed to outpace the competition.

Regularly update and maintain existing content

While most content marketing strategies focus on crafting new content, a complete content strategy will also account for existing content and pages.

As you identify potential link opportunities and content gaps, don’t forget to take stock of your existing content. Sometimes it can be easier (and more effective) to update existing content rather than create something from scratch.

In fact, many of the methods for improving content listed above can be applied to your own pages.

Adding extra content types can be particularly effective for upgrading existing content. For example, adding a video to a long-form how-to post adds extra value and linkability, and can even capture bonus traffic and attention via YouTube — as I demonstrated in this post.

An alternative option to upgrading is repurposing. Rather than adding extra content types or formats, you can repurpose an underperforming content asset into something that better serves the needs of searchers. Analyze the SERPs you want to rank in, see if there is a prevailing content type, and then match that format.

Finally, a simple way to keep your existing pages fresh is to add a “Last updated” tag at the top of the page. This tactic will allow you to continuously update and improve a page as the topic it covers evolves over time, keeping your page fresh and competitive in search. Including the last updated date will also inform readers how current the information is, serving as a form of social proof.

Your SEO content plan should largely concentrate on how you can deliver new, engaging content to your audience. But don’t forget to dedicate some time and effort to improving existing pages as well.

Outline of an effective SEO content strategy

To recap all the information shared here, follow this outline and implement these practices in your content planning.

Prioritize lower difficulty topics.

Layer content and optimize internal links.

Focus on linkability and opportunity.

Regularly update and maintain existing content.

Analyze opportunities based on search volume, keyword difficulty and traffic value.

Manually review SERPs to find gaps and low-competition phrases.

Layered content benefits your converting pages through shared link equity, increased brand authority and direct link acquisition.

Evaluate potential outreach markets.

Analyze link opportunity, make improvements and execute something better.

Invest in at least one sunk cost differentiator.

Improve and upgrade existing pages.

Repurpose existing assets into something more linkworthy and useful.

Include a “last updated” function to manage content freshness.

We’ve used this SEO content strategy time and time again to help our clients grow their site visitors, and I hope you find success with it as well.

Ref:http://searchengineland.com/seo-content-strategy-grow-visits-300-one-year-282934

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