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Archives for January 2018

3 Important Tips on Running Social Media Pages for Small Businesses

By Thomas on January 23, 2018

In this day and age, starting a business does not just mean opening up a brick and mortar shop and putting up posters. It will also include these important marketing efforts:

  • Creating website – which includes making sure you can secure your preferred domain name through a domain lookup to strengthen your online brand, web designing, and search engine optimisation
  • Creating content – which includes blog articles that people can share their feed, videos, and website copy
  • Creating social media pages – which includes opening accounts on Facebook, Twitter, etc.

This article will focus on social media and how you can use it to increase sales or traffic. The problem is some social media managers just cannot get it right. They think incorporating memes in all of their posts will get them the right traction. But if you cannot use trends well, that is just pandering to your audience which feels like you are trying too hard. And then there are who think the way they use their personal account is the same as posting on a business account.

There are factors that need to be considered when pushing efforts on social media, and that is what we are going to explore here.

Creating a social media marketing plan

A social media marketing plan is best created while you are auditing your pages. Look at your analytics and see what kind of posts are getting significant traction and which ones lead to conversion. See if the number of engagement you are getting is proportional to the amount of conversion. Then set objectives and goals that you want to achieve in a specific time frame. So for instance, if engagement vs. conversion is disproportionate, come up with strategies that will allow you to increase both.

Additionally, you may be spread too thin if you are managing too many social media pages and not enough audience for all of it. See which ones are popular to your audience and is giving you more value-added results, then just focus your attention there.

Using the proper voice and tone

For this, you need to consider two things:

  • Characteristics of the target audience
  • Characteristics of the social media pages

What do these mean? People will behave differently depending on the social media channel that they are using. Yes, there will be common traits across all channels, but the words that they use will not be the same on Facebook and on LinkedIn.

So once you have a shortlist of social media pages to retain, observe your users. What kind of language are they using? What kind of posts do they share and engage with more? Usually, channels like Facebook and Twitter would be more open to humour. Which means other than industry related articles, you can put funny posts on your social media calendar. On the other hand, for a channel like LinkedIn, you might need to stick with industry related news, and maybe a sprinkling motivational quotes every now and then.

Paying for sponsored ads

There is a misconception that sponsored ads are expensive. Well, this is only slightly true. The amount you will pay depends on how long you want the ad to run and how many people you want to reach. The most effective strategy for this is to determine the objective of the sponsored ad.

For instance, having a promotion on your page would mean running a sponsored ad until the end of the validity. So if you are offering a 50% discount on room accommodation until the end of the month, you should run the promo until the end of the month. If the purpose of the post is just to get more people to like your page, you can run the ad for at least 3 days to a week.

The great thing about Facebook ads is you have full control over the budget and for how long an ad will run. Don’t worry about spending more than what you can afford because it will stop on the date that you want the sponsored ad to end.

So, when starting up a business remember to consider and include these important marketing efforts.

Golden State Financial Group Advises People on How to Get Accepted for a Home Loan Modification

By Thomas on January 23, 2018

Once upon a time, only the rich and famous were able to buy homes. Then, mortgages and loans changed, and anybody could apply for one and be accepted. But then the Great Recession happened, and people got into real difficulties, facing the prospect of foreclosure. Thankfully, the Obama Administration became aware of this and ensured people could apply for home loan modifications in certain circumstances. Companies like Golden State Financial Group were formed in order to help people get accepted.

Golden State Financial Group on the Aims of Loan Modifications

If you find yourself in a situation where you can no longer afford the monthly payments on your loan, then you are likely to need a modification. There are numerous ways in which a loan can be modified, including:

  • Stopping the interest rate from being adjusted upward.
  • Extending how long you have to repay the loan.
  • Decreasing your outstanding balance.
  • Adding missed payments to the main balance.
  • Eradicating the term of negative amortization.

That said, it isn’t up to you, as a borrower, to determine how your loan will be modified. Your lender has to be willing, for starters, and they will do all they can to make sure that they get their money back. Unfortunately for lenders, the Obama Administration put regulations in place meaning they almost had to accept loan modification, and this meant that they started to reduce the main balance of outstanding loans. The consequence of this, meanwhile, was that overall property values started to decline. And, worryingly, the US Comptroller for the Currency has reported that, in instances where the rate was modified, delinquency increased.

Of course, for you as a borrower, what matters is that you don’t lose your home. What you need to know is how you can apply for a modification and how it can help you. The best way to do this is to work with a company like Golden State Financial Group. They will contact the loss mitigation section with your bank and receive the necessary application form. They will work with you to determine which documents you have to supply, such as hardship letters, tax returns, and bank statements. As a result of this, the lender is likely to contact you asking for a proposal for modification on your part. If you work with a professional agency, you have more chances of this request being sent out. Work on your own, and it is likely that the lender will simply decline your request.

A loan modification system is out there to help you. But you as a borrower must be responsible and see this for what it is: a helping hand. It is not an easy way out, and it is also not guaranteed that you will be granted a modification. Make sure, therefore, that you know what you are doing and what your lender’s criteria are, so that you are more likely to be successful in your application.

Investing In Gold – Myths Vs Facts

By Thomas on January 12, 2018

Most of the first time investors tend to stay away from investing in precious metals like gold. But, it’s not just an option for the wealthier investors. Interestingly, there are many misconceptions out there about gold investing. And, there are plenty of people who just do not have enough knowledge about this in order to make a solid decision. That’s why we’ve put together some of the most common myths and facts so that you can see why investing in gold really is a good option.

Myth: Investing in gold is a high-risk action

Investments based on paper currency valuation or those which are involved in the equity market heavily tend to be much riskier than gold investments. Gold is an in-demand and limited natural resource that is used by various industries that range from dentists to jewellery manufacturers and even the aerospace industry. What’s more, gold offers value as a hedge against some of the riskier investments, such as bonds and stocks.

Myth: You have to be wealthy to invest in gold

The fact is, you can buy gold in small increments, eliminating the need to hold stacks of gold bars or massive bags of bullion cons. You can also conduct easy and fast transactions at City Gold Bullion in Adelaide.

Myth: It’s just hard to invest in gold

This is probably one of the most common misconceptions, but it’s also an easy enough one to accept if we look at its recent history. In the past, gold certainly was not the easiest form of investment. But today, the method of investing in the precious metal and never even touching an ounce of the metal has become a reality. In fact, most storage facilities and gold brokers do all the work for you. So if you ever wanted to invest, it is achievable in life and easier than thought.

Myth: Gold will only increase in value when there’s speculation and fear

While is definitely a good hedge against market uncertainty, but there’s nothing fake about the need for a sceptical eye on the currency. For instance, America as over $19 trillion in debt and the dollar has lost a great deal of purchasing power over the past couple of years.

Myth: Stocks on gold mining is highly likely to do better than investing in gold

There are those mining stocks that have done pretty well over time, but it takes a quick look at the numbers to see just how gold will, as a precious metal, generally outperform the mines. For instance, between the years 2000 and 2014, gold soared in value by almost 40%.

Myth: Banks and governments control the price of gold, so no one can profit.

While there have been cases of banks trying to manipulate the spot metals prices, it has nothing to do with loss or profit. In fact, bullion markets are mostly determined by supply and demand. So, when there are plenty of buyers vying for gold, the price goes up. Both small and large investors have both made profits and endured losses in the gold markets.

Myth: Small investors battle to enter the metals markets

Gold and silver are actually suited to small investors. While there are certainly mark-ups on bullion bars, coins and rounds, anyone who is prepared to buy an ounce or more of gold will only pay a small mark-up over spot prices.

Top 5 Strategies for Achieving Life Goals

By Thomas on January 2, 2018

Goal setting is the process of visualizing and planning things that you need to accomplish. Achieving your goals in life can be difficult. Most people struggle with goals at some point in their lives. Having goals that are not on paper is like making wishes. It is like hoping to win the lottery without playing or, hoping to win money online without checking out the best betting sites. If you didn’t know, writing out your goals brings a sizable difference in your mind. They can’t take shape in instances where they live solely in the abstract. One needs to bring them into the real world by writing them and planning. For you to achieve your life goals, then you need to have some strategies. Below are top 5 Strategies for achieving life goals:

  1. Planning

There is no chance of achieving your life goals without planning. The process requires ample planning to determine the direction you are moving to. This does not necessarily mean that you need to know every step you will take. Simply create a plan that you can stick to and adjust along the way due to different issues that can arise. Do not change the goal but rather you can change the plan depending on the condition to get closer to your goal. In other words, make small goals or steps to reach your overall goal and outcome.

  1. Create a discipline

One can’t achieve a life goal in the absence of a discipline. Even if you put down your goals and set them accordingly, without a discipline, going through becomes very hard. You should create an atmosphere for goal achievement by bringing in the right habits that will foster discipline. You simply need order and organization to achieve discipline which further results in life goal achievement.

  1. Lessen distractions

It’s very easy to get distracted in life. There are many things that pull individuals in numerous directions and thus lessening the likelihood of goal achievement. One must lessen these distractions so that he/she can focus well. Have a look at the source of distraction in your life and work to eliminate it as soon as possible. Some of these distractors can be excessive socializing, social media and channel surfing among others. By removing them, we get time to pursue our goals as expected.

  1. Create milestones

Milestones are very helpful when it comes to goal achievements. Just take your long-term goal and break it into milestones. Simply creating monthly or even weekly milestones will help you stay on track. This is because they are far manageable since one will be able to see the short-term results that will lead to long-term outcomes.

  1. Overcome procrastination

Procrastination is said to be a silent killer and affects almost everyone. Letting procrastination to overcome you yields slow and steady death of your life goal achievement. For those with the tendency of procrastination, they need to have some strategies for bringing back their lives into control.

In conclusion, these are some of the strategies for achieving life goals. You also need to manage your time well. Simply find a good system for time management and implement it. This will help you avoid distractions and focus on your goals. Remember that time lost can never be recovered.

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I’m Thomas Stevens, a financial advisor who has a love for SEO. Anything numbers related excited me, so I started blogging about finances and budgeting. I also help others blog about finance – it’s always good to have a niche! Read More…

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I’m Thomas Stevens, a financial advisor who has a love for SEO.

Anything numbers related excited me, so I started blogging about finances and budgeting. I also help others blog about finance – it’s always good to have a niche!

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