Small Business Online Marketing Considerations | Online marketing

For small business online marketing can hugely powerful and profitable. Many small businesses now recognise the importance of having a synergised cohesive online marketing campaign that can do wonders for their bottom line.Most small businesses now have a website and many small businesses are now using Facebook and Twitter to boost their online presence. There are though some rules of the game (social media) which small business, in fact any business, must be aware of before they embark on a comprehensive online marketing assault. The evolution of online marketing has come a long way so lets take a look at the things to consider:1. How much do you know?The first thing to consider what do you know about the internet. For example, do you know what SEO (search engine optimisation) is? Do you know how Google works? Do you know how to find keywords? Do you know the difference between a head keyword and a long tail keyword and which one is better to get ranked highly by Google and the other search engines such as Yahoo? Determining your level of online marketing knowledge will help you determine what type of online marketing strategies you employ.2. Who is your market?The next thing to consider who is your market? Again this will have an effect on what types of strategies to use. For instance are you selling to older people who may not use Facebook, or are you selling to a younger crowd? Are you selling to students and professionals? This will determine when you use Facebook for your small business and Twitter.3. How much time do you have?Online marketing takes time. There are no free lunches and patience is required. It’s a bit like going to a Financial Planner and hoping they will make you rich overnight. It’s not going to happen. Online marketing is a science rather than a magic act although things are becoming more automating and easier to do. For instance Facebook optimisation is easier now that small business can create stunning landing page which link to their websites. Small businesses using Twitter can now schedule bulk tweets. However you must ask yourself how much time can you invest on your internet marketing campaign, because again this will determine what you use and how often you use it.4. Are you already online?Do you already have a website achieving high SEO? Do you already use social media strategies for your small business? Maybe you all need to tweak around the edges. The fact is online marketing needs a consistent approach. It is all about Trust Marketing and building relationships and you can’t do that if your marketing is static. Again, you can now automate a lot of things like email newsletters and so on but trust marketing still requires a personal touch and social media allows this, don’t neglect it!These are the important factors to consider for the online marketing of your small business. The fact is patience does pay off as long as you have the right ingredients and you are continually mixing them up. There are of course quite a few others factors to consider and really powerful strategies that you can employ to get your website up Google and use social media to increase your bottom line.

Three Steps to Make An Investment Plan | investing

If you invest you need an investment plan. Your chances of reaching your financial goals soar if your investments are based on sound principles and a written plan. Your chances for failure are increased exponentially with every investment planning step you fail to complete.The financial world changes rapidly. Markets go up, they go down. Economies change pace and business cycles fluctuate. Politics, monetary policy, and world events knock your finances off course at a rapid pace.A pilot has a plan before taking off. They run through a pre-flight checklist, make sure they know where they’re going, what to expect from the weather, and what time they need to leave to reach their destination.Can you imagine if your pilot didn’t have a plan? What is your backup if the weather pushes you off course? What if you have a mechanical issue and need to land somewhere else? Every pilot knows ahead of time how to deal with challenges.Investing can be complicated, confusing, and even scary. But a well structured investment plan can take the fear out of investing and keep you on track to reach your goals.Just how do you create an investment plan? Here’s a few short steps to get you well on your way to investing success! These are just a start however and there is much to be learned over time. I recommend reading “Simple Wealth, Inevitable Wealth” by Nick Murray and “The Only Guide To A Winning Investment Strategy You’ll Ever Need” by Larry Swedroe.
Define Your Goals. You need to know where your going to figuring out how to get there. What are you investing for? Retirement? The kids college? A large purchase? Once you define your goals you can calculate how much it will take to achieve them. Vanguard.com has some excellent investment calculators.
Create Your Investment Policy: An Investment Policy Statement (IPS) is a document which defines the parameters for which you’ll invest. It should be in writing and it’s a very important part of your investment plan management. It helps you avoid ad hoc revisions to an otherwise well thought out investment strategy and provides a framework for making wise investing decisions in the future. Your Investment Policy Statement should detail the types of investments you’ll own, how you’ll select the managers for your investments (which mutual funds or ETF’s may be purchase), how you’ll replace those investments when necessary, what percentages of which asset classes will be purchased, when you’ll need to draw income and how much, how you’ll manage and monitor your investments, when you’ll re-balance your portfolio.
Manage, Monitor and Maintain: Finally it’s not enough just to invest your money and forget about it! Investing takes time and you should schedule a portfolio investment review at least annually if not semi-annually.
Each investment review should track your current investment assets against a benchmark of where you should be in order to meet your goals. It should also prompt a fresh round of due diligence and an asset allocation check on your investments. Mutual funds or ETF’s which were once great may have fallen out of favor, and because the world changes so rapidly it’s a certainty that your asset allocation will have changed which may require adjusting.The important thing to remember is that if your investment plan was created properly up front, you should continue to have faith and confidence in it – yet the process will need to be monitored and refined. Make changes and adjustments over time as your financial situation changes, but never make emotional random changes in response to market fluctuations.

Five Common Reasons To Consult An Elder Law Attorney | laws and issues

You may have heard of the term ‘elder law’ and wondered what, exactly, it meant. Simply put, an elder law specialist has taken the time to learn as much as possible about any laws affecting the lives of senior citizens and their families. There are many different issues that fall under the elder law heading, but some of the most common are outlined here.Protecting Seniors From AbuseThis is one of the most distressing examples of why you may want to consult an attorney specializing in concerns of the elderly. If you have an aged parent who is in a nursing home, receiving skilled nursing care, or being cared for by someone else and you suspect that your parent is being neglected or abused, you must consult with a litigation attorney as soon as possible who specializes in cases of elder abuse. They can give you the guidance and support you need while investigating and filing suit against the abuser or abusers. Protecting the dignity and welfare of seniors is one of the most rewarding aspects of handling legal issues for the elderly.Helping With Financial PlanningIf you’re getting ready to retire, an elder law specialist who has experience in financial planning can help you develop a solid, long-term financial plan that will protect your finances while allowing you to live comfortably in your golden years. Estate lawyers can also help you choose an appropriate nursing home or assisted living facility when the time comes and oversee your finances to make sure your bills are paid and your property is handled correctly.Estate PlanningIt’s crucial that a properly executed will is prepared for you in order to make sure your estate is handled properly after your death. Meeting with estate lawyers to discuss your heirs and last wishes is crucial if you have an estate of any size. A will that clearly and concisely states who will inherit what and how your estate is to be distributed can prevent your heirs from squabbling about your estate after you’ve passed away. Writing a will and structuring an estate in order to protect your assets even after your death is one of the most common reasons people consult with elder law attorneys.Social Security DisputesSocial security is a financial safety net for many seniors after retirement. Depending on the monthly checks you receive from social security can be difficult, particularly if you don’t feel you’re receiving appropriate benefits. If you have a dispute over your social security payments, an elder law litigation attorney can represent you and protect your interests, helping you get the social security benefits you deserve.Grandparents’ RightsLitigation attorneys can represent grandparents who have lost contact with their grandchildren through no fault of their own. A divorce or separation is always heart wrenching, but when parents use their children as weapons in an unpleasant divorce, it is often the grandparents who suffer when an unhappy parent won’t let children visit grandparents who are the family of their ex-spouse. Fortunately, there are elder laws that cover such situations, and an experienced litigation attorney can work with family courts to ensure you are able to continue enjoying a relationship with your grandchildren.If you or a loved one is facing an elder law issue, consulting with experienced estate lawyers or getting a litigation attorney who is familiar with legal issues concerning the elderly is your best bet for resolving the issue to your satisfaction.