5 Practical Business Marketing Tips

Growing a business can be difficult especially if your enterprise belongs to a very competitive field or industry. With that said, you have to set aside a significant amount of your time and resources to be used for marketing purposes. Fortunately, in this age of the internet, you can reach a lot of potential customers with a very minimal budget. In fact, you can even launch full marketing campaigns without spending a dime because of the availability of free tools and resources online. To help you out, below are some practical business marketing tips that you can follow to jump-start growth for your business.

Practical Tips for Business Marketing

1) Take your business online. Getting a functional business website or blog these days is not that expensive. You can have a website running with complete features for under $50 a month. It doesn’t matter whether you are selling your products and services online or offline, a website can help a lot in attracting new customers. As you should already know by now, many consumers these days go online to search information about products and services before they purchase them. If you have an optimized website, people will be able to find you online.

2) Be active on social media. Some of the biggest websites today are social networking sites like Facebook, Twitter, Instagram, and YouTube. Millions of people from all corners of the world are actively using these sites on a daily basis. Because of the immense popularity if these sites, most businesses these days now using them to promote their products and services. You should do the same. The best part about social media is that they are free to use. You can reach thousands or even millions of potential customers within a short period of time. That’s the kind of power you wield if you learn how to effectively use social media to market your business.

3) Attend trade fairs. Many business owners seem to take this old and traditional marketing method for granted. The biggest advantage of trade fairs is that you get the chance to make connections with other business owners who might be interested in partnering with you. You could enter into ventures wherein you promote the other party’s products and they’ll do the same for you in return. It’s a win-win situation for both parties.

4) Sponsor contests and support relevant causes. This is an old marketing trick but it’s very effective. It’s even more effective if you use it online because of the possibility of your contest going viral. You can generate hundreds of new customers with just a single contest if you do it right.

5) Ramp up the quality of your customer service. Assisting your customers when they have problems and inquiries is very important. At first glance, this doesn’t seem like a marketing technique. But the truth is if you value the needs of your existing customers, they’ll be loyal to you and they’ll even recommend you to people they know.

6) Here are a few examples of startups that are doing well right from the start. domainnamesez.com, Not the manufacturer, but a site aimed at providing reviews and up to date information about Bionaire products.  Another review site that has only been up and running for a year or so. And finally tracfone promotion codes If you look through the site you will really only see four, really well written pages that are really ranking well for a site that does not have any backlinks.

Following these simple business marketing tips can help a lot on growing your business and profits. So take note and implement them whenever you can.

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Retirement Tips 2017

Possible Danger Signs on Retirement Tips 2017 You Must Know About

Many businesses that are little are not able to pay for the high price tag of TV and media advertisements. Look out for unnecessary features and add-on services you don’t require If you don’t drive to and from work each and every day, see whether you can decrease your car insurance premiums.

retirement tips 2017

Today you are going to need to locate an internet retirement calculator and determine just how much you will want at retirement, and how much to save to achieve your objective. Your new job is to make sure that you enjoy your retirement. Your contribution total is a huge part in figuring out just how much money you’ll need in your 401k account at retirement.

Illness is individual. In fact it is a whole lot more complex than it seems in case you ought to make certain you will have sufficient income to appreciate. Retirement is far more probable for this demographic.

Definitions of Retirement Tips 2017

Locate a means to conserve both resources as folks are living longer after retirement than they have. If you’re reading this article, you not one of those handful of individuals. For example there is a specific space for writing aJr.a.

The Honest to Goodness Truth on Retirement Tips 2017

The more debt equals a greater degree of slavery. A lot of people discover that after as few as 2 decades of doing this, they are in a position to get qualified for a fresh loan. A life is their degree of education.

Also, if you opt to leave the nation you can achieve this to get much less ( in spite of the fact that you may need to deal with different elements I’d encourage you to study ). As an example, your healthcare expenses and entertainment and travel expenditures may rise. It would be well worth it to learn beforehand how your tax obligation will be impacted by changing your state residency.

Many 401k programs enable your contribution to modify . You’ll be amazed at how much you’ve gotten. Assess the website of your school or call its Registrar’s Office in order to make certain that you comprehend these creates of residency requirements.

Life After Retirement Tips 2017

You will always save a part of your funds for retirement whilst letting yourself have cash for some things by following this approach. Pay off the entire amount before you start using it. It is true, Free cash can be received by you the moment the company matches whatever you place in.

Growing a vegetable garden is far than even purchasing fresh veggies from a 20, healthier is, but also it really relaxing function for the large part and it will have a massive chunk out of your meals expenditure. What’s more, you have the advantage of time to enable your savings to chemical. You will not save money, you will also save some time and precious energy.

A Secret Weapon for Retirement Tips 2017

Another variable you may require to take into account in trying to find a farm is proximity to markets. So, in a couple of minutes time, with equity and retirement info accessible, your life is going to be divided in a court room in only a couple of minutes. The reality is an RV and it’s a depreciating asset.

Retirement Tips 2017

This is around the trip of an person who discovers what retirement means. Saving the child out of their own mistakes means that you don’t expect them to look after the situation. Cash isn’t disappearing.

What Is So Fascinating About Retirement Tips 2017?

Retirement communities like The Villages in central Florida can give a healthful lifestyle for seniors who require to stay active. You could be able to prevent foreclosure on your own residence by working with your lender. Your home might be compensated for.

It’s precisely the same idea with your financial wellbeing. It’s never too late to begin thinking and planning for retirement, just be sure you include a wholesome lifestyle to enhance your plan. It’s this secret that they hold that brings the possibility of a large collection of acts forward.

On the flip side, some kinds of debt are poor. Bad types of debt are usually used to obtain services and goods that do not have any cost that was lasting. As opposed to using your first profits to purchase exactly what you would like, reinvest it back into your small business venture that is new.

Two kinds of retirement plans that lots of associations offer will be the defined benefit program and the defined contribution retirement program. Write down your financial objectives when you receive a good understanding of your budget situation. A great deal of people always feel they have to produce their participation.

Rather than walking away from the home, it’s a great idea to speak to a lender when you begin to have difficulty. One of the ways would be to have a close look. It’s time to manage the way you’re going to stay busy.

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Qubec mosque shooting: five reportedly killed in Canada gun attack

Two arrests made but one suspect may still be on run after fatal shooting during evening prayers on Sunday

Five people have reportedly been killed and several injured in a gun attack at a mosque in Qubec City.

Witnesses said the shooting was carried out by three attackers and happened during evening prayers at about 8pm on Sunday.

Two arrests have been made, a police spokesman said. Local newspaper Le Soleil said police told them a third suspect could still be on the run. Details of the death toll have not been released, however, the mosques president, Mohamed Yangui, said five people were killed.

One of the suspects was carrying an AK-47 assault rifle and one was aged 27, Le Soleil reported.

At the time of the attack, about 40 people were thought to be in the two-storey building the Qubec City Islamic cultural center, also called the Grande Mosque de Qubec, on Sainte-Foy Street.

Yangui, who was not inside the mosque when the shooting occurred, said he got frantic calls from people at evening prayers. He did not know how many were injured, saying they had been taken to different hospitals across Quebec City.

Why is this happening here? This is barbaric, he said.

The citys police said the site has been secured and all occupants evacuated. A large security cordon has been set up around the site. Witnesses reported seeing heavily armed police entering the mosque after the shooting.

Prime minister Justin Trudeau offered his condolences to those affected by the cowardly attack.

Justin Trudeau (@JustinTrudeau)

Tonight, Canadians grieve for those killed in a cowardly attack on a mosque in Quebec City. My thoughts are with victims & their families.

January 30, 2017

The premier of Qubec, Philippe Couillard, said the government was taking action to keep people safe and stood in solidarity with the citys Muslim population. he tweeted: #Qubec rejects categorically this barbaric violence. All our solidarity to the families of the victims, the injured and their families.

Canadas publics safety minister, Ralph Goodale, said he was deeply saddened by the deaths.

Local politician Manon Mass said: We know little at the moment, but one or two people have assumed the right to kill our fellow Muslim Qubec citizens. When intolerance goes from debate to murder, solidarity is essential.

The mosque has been targeted before. In June, during the holy month of Ramadan, a pigs head was left there.

Police officers stand guard near a mosque after a shooting in Qubec City on Sunday. Photograph: Mathieu Belanger/Reuters

Read more: https://www.theguardian.com/world/2017/jan/30/quebec-mosque-shooting-canada-deaths

Tech billionaires donate $20m to fund set up to protect society from AI

Reid Hoffman and Pierre Omidyar are donating $10m each to the Ethics and Governance of Artificial Intelligence Fund, to help tackle ethical problems of AI


The founders of LinkedIn and eBay are donating a combined $20m (16.4m) to fund academic research aimed at ensuring the safety of artificial intelligences.

LinkedIns founder Reid Hoffman and the Omidyar network, the philanthropic investment firm set up by eBay founder Pierre Omidyar, are donating $10m each to the Ethics and Governance of Artificial Intelligence Fund, which will distribute money to researchers working on the tough ethical problems raised by AI.

Theres an urgency to ensure that AI benefits society and minimises harm, said Hoffman. AI decision-making can influence many aspects of our world education, transportation, healthcare, criminal justice and the economy yet data and code behind those decisions can be largely invisible.

The specific research areas the fund will focus on arent fixed, but the possibilities include ethical design how do we build and design technologies that consider ethical frameworks and moral values as central features of technological innovation? and accountability in AI what kinds of controls do we need to minimise AIs potential harm to society and maximise its benefits?

The Knight Foundation is also contributing $5m to the fund, and the William and Flora Hewlett Foundation and Raptor Group founder Jim Pallotta are giving $1m each. The founding academic institutions for the initiative will be the MIT Media Lab and Harvard Universitys Berkman Klein Center for Internet & Society.

Alberto Ibargen, president of Knight Foundation, said: artificial intelligence agents will impact our lives in every society on Earth. Technology and commerce will see to that. Since even algorithms have parents and those parents have values that they instil in their algorithmic progeny, we want to influence the outcome by ensuring ethical behaviour, and governance that includes the interests of the diverse communities that will be affected.

The fund is one of many new bodies aimed at shaping the future of AI in a positive or, at least, thoughtful direction. The Partnership on AI, a collaborative effort involving Google, Facebook, Amazon, IBM and Microsoft, was launched in September 2016 to establish AI best practices but has yet to do anything publicly other than announce its own creation; the Elon Musk-backed OpenAI project, announced in December 2015, was more directly aimed at advancing digital intelligence in the way that is most likely to benefit humanity as a whole. It has published research to that effect fairly consistently in the year since it was established.

Read more: https://www.theguardian.com/technology/2017/jan/11/linkedin-ebay-founders-reid-hoffman-pierre-omidyar-donate-research-ai-safety

The future of American jobs lies with the tech industry

When Donald Trump won the election, many in Silicon Valley were flummoxed: How could a bigoted billionaire with no government experience and a twitchy Twitter trigger finger win the U.S. presidential election? they asked themselves.

Liberal outlets have tried to make sense of the massive divide between our (upper-class liberals working in tech) vision of the country and their (blue-collar workers) vision of the country. We are facing a collective identity crisis, living in a post-truth world, utterly perplexed as to how a person so at odds with our Bay Area politics could win the most important democratically elected seat in the country.

Its quite simple: Trump won precisely because Silicon Valley is so disconnected from the Rust Belt. He won because of machination, because of outsourcing, because of the definitive end to The Industrial Age. Trump won because, for all of our innovation, we have not been giving jobs to them.

Where did the jobs go?

In 1960,1 in 4 Americans had a job in manufacturing; today, its fewer than 1 in 10. The industrial age is over U.S. coal mining has declined 25 percent since 2008, which resulted in 50,000 jobs being lost over a four-year period. The mining industry, in general, has lost more than191,000 jobs since 2014.

This is not particularly new, however. In the late-20th century, we entered the Information Age, a period of time characterized by the economic shift from a dependence on traditional industry to a dependence on computers and digital information. In addition to outsourcing, middle-class workers now had a new beast with which to contend: automation. It is this phenomenon on which Donald Trump based his campaign: Americas middle class is declining, and blue-collar workers are out of work.

However, Trump interpreted the reality of American job loss into an illogical solution: that we need to bring back mining, that we should travel back in time, pre information-age and make America great again. He has said that We will put our coal miners and steelworkers back to work, and that it will be American hands that rebuild this country.

We need to focus on our new, innovative industries that will put us ahead of our global competition.

While the goal is an extremely valid one, the means by which he intends to accomplish it do not make sense. Trump blames outsourcing and government policy for the decline of mining and the coal industry, when in fact it is market shifts that are to blame. Natural gas and renewable energy sources have become increasingly affordable, and in many instances even cost-competitive with coal.

In fact, these industries have been growing in tandem with the coal industrys decline: The solar industry has been growing at a rate of 20 percent annually, and a study found that most coal employees could be easily retrained for similar jobs in the solar industry. We dont need to rebuild the coal industry; we need to focus on our new, innovative industries that will put us ahead of our global competition.

Automation is bringing jobs back stateside

For us in Silicon Valley, this seems patently obvious: The tech industry currently employs 6.7 million people, and over the last 25 years, practically all new private sector jobs have been created by businesses less than five years old.

In fact, between 1988 and 2011, companies more than five years old destroyed more jobs than they created in all but eight of those years, wrote Jason Wiens and Chris Jackson of the Kauffman Foundation.

Its worth noting that emerging markets offer more employment opportunities than staid ones (like the coal industry). Furthermore, if history is any indication of the future, increased automation will result in an infusion of jobs across existing industries.

For instance, as James Bessen of The Atlantic noted, we have recently seen a large portion of paralegal work become automated with electronic discovery software. However, instead of throwing lawyers and paralegals out of work, jobs in this sector have actually grown faster than the labor force as a whole. In fact, on average since 1980, occupations with above-average computer use have grown substantially faster (0.9 percent per year) than those with average or below-average computer use.

The reason why is quite simple: When demand increases enough in response to lower prices, employment goes up with automation, not down. In other words, automation increases productivity, which lowers prices, which increases demand.

As demand goes up, so does the need for new employees. These employees are much more likely to be American because a) the company can now afford it and b) the workers will need to be more skilled than their (probably outsourced) counterparts who were previously doing the work that machines now do.

The tech industry can (and should) cut down on American outsourcing

As an entrepreneur in the customer service industry, both outsourcing and automation (the two main culprits of job loss) hit close to home. In this election, I have seen the politics of job outsourcing reflected in the micro-economy of customer service an industry that is notorious for outsourcing.

For years, economic logic drove customer service jobs overseas to India or the Philippines. The global contact center spend stands at $300-350 billion, of which third-party outsourcing accounts for 20-25 percent.

When call centers ruled the customer service industry, quality dropped, because customers were interacting with overseas employees without a firm grasp of the language or proper training. We are at a turning point now. Consumer preference for efficient modes of communication, such as chat and email, have reduced the industrys dependence on labor-intensive phone contact centers, which also decreases customer service costs.

The era of smartphones, apps and connected devices (like an internet-connected car or a thermostat) generate so much data about a customer and their usage history that interactions are now highly efficient, which allows us the financial wriggle room to bring customer service jobs back stateside. Technology has allowed customer service to be so efficient that companies no longer need to hire as many people. Instead of 500 foreigners, you can hire 40 Americans.

Automation and technology are cutting our dependence on outsourcing.

Around 2012, when customer service automation was taking off, customer service jobs began returning to the U.S. As one article noted, customer service jobs fit a niche in the economy that is more and more underserved. Customer service jobs certainly are not no-skill one needs good communication skills along with basic phone and computer abilities. But they do not require a college diploma, and the training can be done on the job. There were more than 2.1 million of these customer service jobs in 2010 and the Bureau of Labor Statistics expects that number to grow 15 percent over the next decade.

In other words, automation and technology are cutting our dependence on outsourcing. The tech industry has the ability to streamline and automate processes to the extent that costs are cut enough to stop outsourcing. Its not just in customer service; its in energy, car manufacturing and new industries like the shared economy.

Silicon Valley can make America great again

Studies have shown that consumers actually love buying products that are made in America. Just as Ive found that people seeking customer support prefer instant messaging with an American employee to talking on the phone with someone in India. We all want the same thing: American jobs, American products and American customer support.

The only real issue is cost. And thats why Silicon Valley has a duty to the country to use automation to bring jobs back to the United States. We dont need coal; we need customer service, we need solar energy, we need self-driving cars.

Silicon Valley does not need to be removed from the Rust Belt. We are not in a bubble. We are both a part of the problem and a possible solution. The innovation that we see here is an economic opportunity for the entire country, not just because its a win for the economy, but because its a win for companies. Automation can bring back American jobs, which begets higher quality work and a new age of American greatness one that speaks to what we have always been known for: innovation.

Read more: https://techcrunch.com/2017/01/27/the-future-of-american-jobs-lies-with-the-tech-industry/

retirement planning tips

5 Retirement Myths — Debunked!

There are many myths about retirement that people often believe, and only by learning the hard way do many of those people realize the mistakes they’ve made in their retirement planning. By knowing about these myths before you retire, you can take action before it’s too late to do anything about it. In particular, these five common misconceptions about retirement trip up many near-retirees, and it’s important to get the facts so you can plan for retirement correctly.

Myth 1: Stocks aren’t good investments for retirees

Most retirees understand that the older you get, the less time you have to invest for the long run, and it therefore makes sense to reduce the amount of risk you take with your investment portfolio. In the process of making your investments more conservative, however, it’s important not to make the mistake of going too far and getting rid of all your exposure to the stock market. Stocks are volatile, but they also provide greater growth opportunities than most other investments. Especially in the early years of your retirement, having some growth in your nest egg is crucial to set the stage for a retirement that could easily last 20 to 30 years. By emphasizing high-quality stocks Opens a New Window. that pay income and have good prospects for solid, dependable growth, even retirees can benefit from investing in the stock market.

Myth 2: There’s no need to worry about healthcare because of Medicare

It’s true that Medicare kicks in at age 65 for most Americans, providing valuable access to healthcare services that in many ways is more flexible than the insurance coverage most workers have during their careers. Medicare lets you use a wide array of providers without the geographical restrictions that most private plans impose. Yet Medicare comes with costs, including monthly premiums, deductibles, and copayments. Moreover, one key aspect about Medicare is that it doesn’t put a cap on your out-of-pocket expenses, so you’ll have to get either Medicare supplemental insurance or use a Medicare Advantage plan to put an upper limit on your theoretical liability for healthcare costs. Understanding your Medicare options Opens a New Window. is important to make the most of the program, and that requires some up-front advance research as well as ongoing monitoring.

Myth 3: Your tax bill will disappear in retirement

It’s natural to think that once your paycheck goes away, your tax bill will disappear as well. Yet retirees often find that they are even more aware of taxes they pay than they were during their careers. Without the payroll withholding that typically takes care of tax liability for workers, retirees who take taxable distributions from IRAs, 401(k)s, or other retirement accounts often find that they have to make quarterly estimated payments in order to avoid IRS penalties. Moreover, with required minimum distributions kicking in for many accounts at age 70-1/2, those who were successful in accumulating extensive savings often find that their tax bracket doesn’t go down in retirement. By using Roth IRAs and Roth 401(k) accounts during your career rather than relying solely on traditional retirement accounts, you can help to ease the tax burden after you retire and keep more of your retirement assets for yourself.

More on retirement…

  • One More Reason to Consider a Retirement Advisor
  • How to Prepare Your Money for a Trump Presidency
  • Sorry, Baby Boomers: You’re Never Going to Retire

Myth 4: Annuities are never a good choice for retirees

Many investors have negative attitudes about annuities, and in some cases, it’s for good reason. Some annuities come with high ongoing costs and tough restrictions that can lock you into contracts for years or else face paying large surrender charges. However, some annuities are good choices for retirees. Specifically, for those who need a constant stream of dependable income, immediate annuities or advanced life deferred annuities guarantee monthly payments that start either immediately or at a specified point in the future, and will last for the rest of your life. You shouldn’t use your whole nest egg on such an annuity, but making it part of your retirement arsenal can be a good move.

Myth 5: Social Security will replace my work income

Most retirees rely heavily on Social Security for the money they need to pay living expenses. Yet Social Security was never intended to replace all or even most of your salary. For most people, Social Security replaces around 40% of pre-retirement income, with those who earned more during their careers getting an even lower percentage. If you want to be financially secure, it’s important to go beyond Social Security to get other sources of income in retirement, whether it’s from investments, part-time work, or other employee benefits you earned during your career.

Myths about retirement can trip you up at the worst time possible. By being aware of these myths now, you can take steps to avoid them and have a better retirement.

The $15,834 Social Security bonus most retirees completely overlook
If you’re like most Americans, you’re a few years (or more) behind on your retirement savings. But a handful of little-known “Social Security secrets” could help ensure a boost in your retirement income. For example: one easy trick could pay you as much as $15,834 more… each year! Once you learn how to maximize your Social Security benefits, we think you could retire confidently with the peace of mind we’re all after.Simply click here to discover how to learn more about these strategies Opens a New Window. .

Read more: http://www.foxbusiness.com/markets/2017/01/20/5-retirement-myths-debunked.html

Getting a New Business Noticed Online

Taking a further look after our last discussion, your site needs unique and enlightening substance. By composing unique articles, something that is valuable, enlightening, clever, free, gainful or accommodating, for occurrence, you’ll urge individuals to connection to what you’ve made. Connections to your site, particularly from destinations that are more settled than your own, will support the imperceptibility of yours in web crawlers. It is helpful to put your catchphrases in your pages titles at whatever point you can. Catchphrases that are in an alternate arrangement, length or words contained within the title, G00gle will award a larger weighting to them. In the event that your site has pictures it is unquestionably worth your time to extend the file-names to incorporate watchwords, and in addition placing them in the ALT labels. You could likewise compose a depiction of the picture additionally while installing the picture in your site. All SEO methods begin with great substance creation.