Debt Collection Regulation: Areas Ripe for Reform

The Fair Debt Collection Practices Act was enacted in 1978. The FDCPA is a federal law that’s part of the Consumer Credit Protection Act, and it serves to regulate the debt collection industry. While it contains some important protections for consumers, a lot has changed in the three decades since it’s been enacted.If you’ve been the victim of debt collector abuse, you undoubtedly understand the ways in which the law can be improved. Although U.S. Senator Al Franken (D-MN) introduced legislation in September 2010 called “The End Debt Collector Abuse Act,” Congress didn’t consider the bill. Nevertheless, there are many areas of the FDCPA that are ripe for reform. Here are a few:Penalties: If a debt collection agency is taken to court and the judge rules that the debt collector violated the FDCPA, a consumer can be awarded up to $1,000 plus attorney fees. The penalty today is the same as it was in 1978, and isn’t adjusted for inflation. Senator Franken’s legislation would have tied the maximum penalty to the Consumer Price Index. It makes sense to raise the penalty, since a $1,000 fine is little incentive for collectors to stay on the right side of the law.Prohibiting the Collection of Stale Debt: A few months ago, the Federal Trade Commission called upon states to more strongly regulate the debt collection industry, particularly in regards to collecting debt that is past the statute of limitations. Since that time, some states, such as New Mexico, have done so, requiring collectors to notify consumers that the agency can’t take the consumer to court in order to collect. All too often, debt collectors trick consumers into making a payment, thus “resetting the clock” on the debt and making it current again. Each state has a different statute of limitations, but the bottom line is that debt buyers shouldn’t be able to deceive consumers about a debt’s legal status.More Stringent Requirements Regarding Lawsuits: These days, debt collection agencies often bypass the usual collection methods and almost immediately take consumers to court. Consumers often don’t realize they’re being sued or can’t afford legal representation, and so collection agencies win judgments by default. In other words, it’s not an even playing field. Nevertheless, agencies can file hundreds of lawsuits a month, essentially making taxpayers foot the bill (because of the costs associated with the judicial system) for collection activities. Requiring debt collection agencies to furnish validation of the debt prior to filing suit would be a good first step in fighting legal system abuse. Perhaps some kind of arbitration board, similar to the arbitration boards set up by states for enforcement of vehicle lemon laws, might work.Licensing Agencies and Collectors. Many states have licensing requirements for debt collection agencies, but all states should license both agencies and collectors. Time and again, bad collectors or agencies that violate the law lay low for a while, and then pop back up under a different name. To truly clean up the system, collectors should be licensed; if they violate the FDCPA, their licenses should be suspended. If they do it again, their licenses should be revoked, and they should be prohibited from participating in the debt collection industry.

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Success Factors in a Global Network Marketing Business

Success FactorsHow to Discover the Love, Innovation and the Entrepreneurial Fitness Required in a Global Network Marketing BusinessForwardTo everyone that is doubtful of hope – this is for you!Let’s begin. A few short weeks ago, unbeknownst to me, I had the privilege of meeting someone on an airplane bound for Adelaide, Australia; who would lead me onto an exciting path of discovery. We momentarily chatted at the back of the aeroplane on my way back from Nadi, Fiji; in a chance meeting in which I would say ‘yes’, I would like to hear more about the business model that had established her recent financial freedom and success (more to come on this encounter with an interview in the later chapters).Eager to progress my knowledge, I spent the next 4 weeks researching the industry, the organisation, the people behind it and the sequences and processes to their wealth. The learning curve was exponential – and this is my reflection. At this point in time, I was coincidentally completing my final MBA capstone research project in Adelaide, so I took the opportunity to research her discussion with me in depth and convey the message across to my followers from an Australian scholarly point of view. I had no idea about the industry, albeit little rumours here and there to complement my somewhat biased and disappointing initial online research. I found nothing positive but like an underworld that nobody truly knew about – it intrigued me because I felt that something was right.The bastion for wealth had its scent in the air. This could be its last refuge – I thought. I had to form an immediate action drill to advance a pincer movement onto this burgeoning interest. It was now or never. I wasn’t sure if it was the timing or the opportunity – the right thing to do though was to jump first and ask questions later. This is the later part of that quick equation that transpired in my entrepreneurial mind. This educative curiosity from an Australian scholarly perspective is now alive in the words that you will feel and as we go through the journey together; towards health, wealth, a great life with grand relationships and most importantly learning about the chances to glow youthfully throughout the adventure. This enlightenment was my beginning into a new and evolving industry. A new road was carved and you may feel the moments morph around your own personal experiences or fantasies. I dived immediately into the books and into the school library; the search for the golden nugget had begun. Line by line, word for word, dissecting the information and honouring the objections with gratitude. My hope is that this communicated knowledge helps novice beginners similar to myself, take that intriguing next step towards calculated risk taking, growth and most importantly, self-discovery through the facts.I hope that you gain some business value in my research and that this value inspires you to create your own decisions when the time comes for you to approach your own destiny!In Gratitude and Thanks.David.Chapter 1Introduction to Network MarketingNetwork marketing, multi-level marketing, direct sales, referral marketing, pyramid selling etc, the names are endless. For the purpose of simplification we will adhere to this business model simply as network marketing for ease of navigation, and understanding throughout the book. All of these names; simply exemplifies a unique marketing strategy for the sale of products or services where the revenue of the network company is derived from a non-salaried workforce selling the company’s products or services. Pretty simple system – just made complicated to confuse the novice beginner like myself.1.1 History – How Did It Start?By accident to be honest. This is how the story goes and it all starts with an ingenuous idea conceptualised in 1930 by a man called Carl Rehnborg. Carl was an American businessman who lived in China between 1917 to 1927. Carl observed the benefits of using supplements in a diet that could be beneficial to a human beings health. According to Amway publications, Carl’s study became the ‘ample opportunity to observe at close range the effects of an inadequate diet’. With the knowledge he attained in the nutritional literature, he then started to envision a dietary supplement that would assist proper body functioning in any sort of diet. Carl then decided to go back to America to start his own company out of his learnings in China. He founded his company called The California Vitamin Company. In 1939, he renamed the company to Nutrilite. Carl utilised his friends to sell the vitamins but things initially looked disappointing. The vitamins were piling up on the shelves, unused and forgotten. It was heartbreaking for Carl. Until an idea lit up in his mind, to develop a kind of selling by informing people about the product. He shared the vitamins to more of his friends, to the friends of his friends and so on. You can see where this is going right? Alas – network marketing was born!The business model grew further when Jay Van Andel and Rich DeVos became the distributors of Carl’s products. The three noticed a phenomenal increase in sales. KABOOM… !! Network marketing was unleashed into the world. They later set up a competing company (because competition is good in a capitalistic economy) called Amway and they also bought a controlling interest in Nutrilite in 1972. In 1994, Amway took over full ownership and is one of the largest network marketing companies in the world today.1.2 How Do They Get Paid?As the business world innovates and disrupts, network marketing compensation plans evolve to attract new recruits and customers. It is a very simple strategy for expansion to capitalise on the available market share. It is different for every network marketing company just as there are different salaries for different corporations. However the most common is the commission based on the two revenue streams. The first stream of compensation can be paid out from commissions of product sales. The second stream of compensation can be paid out from commissions based on recruiting similar minded distributors. The amount of compensation varies between network marketing companies. I would have to study every single company in the world to understand this – alternatively I can study the success stories because success always leaves hints – in the results.Chapter 2Demographic ExamplesLet’s look at some quick examples of the people who have seen the opportunity and taken the leap. Here we witness the amazing stories of different individuals who have tasted the recent fruit of success in network marketing – becoming phenomenally wealthy.2.1 TeacherSarah Robbins always dreamed to become a teacher. So she became one. She thought she could now have all that she wanted with a limitless appetite for continuous personal growth and development. However, the economy stumped in the US of A, challenging her thoughts on the economy.She had heard of the Rodan & Fields products. She then decided to join so she could earn an extra income and expand her personal development at the same time. Unexpectedly, with her initial goal to earn just a bit of extra income, she earned more than she thought, even more as a teacher. Her career in network marketing grew and she decided to focus on it rather than her teaching career. She was earning six figures at a very young age. She joined the millionaires club and becoming the first distributor to be inducted into the Rodan & Fields Hall of Fame. Sarah continues to educate people on the benefits of network marketing and benefits of its wealth through her unique educational style.2.2 WriterEric Worre, an ordinary writer spent 30 years working in network marketing once he saw the light. He spent most of his 30 years as a distributor and eventually became the president of his own networking company – The People’s Network. He then decided to retire as a distributor and continued his journey in network marketing as a coach and helped network marketing novices, organizing sales presentations. He then wrote ‘Go Pro – 7 Steps to Becoming a Network Marketing Professional’ in 2013, to reach and educate more network marketing aspirants. It has sold more than 1.5 million copies and has been on six best-sellers lists on Amazon.2.3 Single MotherDonna Johnson is an example of a network marketing miracle. A single mum who did not have anything before she started in network marketing. No college degree – just an ordinary swimming coach in a little American town. With her determination to succeed, she now earns more than $1 million per year and is the leader in one of the top network marketing companies, Arbonne. She is now one of the biggest earners in network marketing and has a bed and breakfast business in Jamaica amongst other entrepreneurial ventures.2.4 Government WorkerRebecca Simon is a modest mother who was brought up in one of Adelaide’s toughest suburbs. She recollects how she would travel to work every day and sit at an uninspiring desk job, knowing deep down inside that she was capable of more. Today she is building her own resort on an exotic south pacific Island – just three years after she started in network marketing. More on Rebecca’s inspirational story later on in the book.Chapter 3The Feminine Revolution40 years ago, when the empowerment of women took off, many loved their new found independence and the opportunity to dress in a suit and drive off to a esteemed corner office. Things have changed a lot since the 70s and 80s, today she is just as happy to pull on comfortable yoga pants and skip the travel to the office altogether. Instead of tolerating negative office stigma and glass ceilings, modern women are heading towards the unique opportunity to be their own CEO, have control with no limits on their annual income. Some other reasons why network marketing industry is proving to be amazing for the ladies are:Drum roll…
3.1 Work – Life BalanceBeing burnt out today is no longer the exception, it is the norm. People have to put up with inflation, rising food prices, cost of living, raise families and commute sometimes for hours to get to, and back from work. The amount of work to be taken home is also increasing, teachers working to plan their workloads weeks in advance and project managers working extended hours to launch projects on time. You have heard it before and again, the balance has gone out of whack but some refuse to accept the truth.3.2 EnvironmentMost career women have worked in team environments and enjoy the collaborative and interpersonal communication that goes with it. It is no surprise that the network marketing industry has exactly that and for most women joining the industry, it is this support and collaboration that they miss the most from a usual 9am to 5pm, sit in the corner and do your work routine.3.3 Choice to ChooseNetwork marketing gives women the freedom to choose who they would like to work with as business partners. They choose who they recruit, who they work with and who they would rather not. This choice to choose is empowering and exciting at the same time for women in the industry.3.4 Global Empire at Your FingertipsYou drive around cities and towns nowadays and still see the for lease sign up again at the shop that closed around the corner. You wonder why some businesses prefer the old way of doing businesses in a time where digital disruption is taking stores online. The brilliance of network marketing is that apart from an initial modest start-up fee, there are no overheads, no garages for stock keeping, accountants, legal advisers, etc, you get the idea. The brilliance with network marketing is that most if not all the work can be done from your mobile phone or laptop computer. Your store is online!3.5 Cool Rewards and IncentivesThere are hardly any places left in the world where a large corporation hosts large global events that also reward women for trips, cars, gifts, holidays etc, all whilst developing women business capabilities and personal development. Name a lady who doesn’t like to be pampered from time to time with absolute luxury?3.6 Glass CeilingWith 82 percent of the network marketing industry made up of women, more and more are rising to the top, claiming multi-six- and seven-figure annual incomes. The world is your oyster in this industry for women and those that grasp the opportunity are confirmed with a gift, and if utilised, become extremely wealthy. No glass ceiling in the industry. Effort equals reward!3.7 Freedom of TimeLet’s face it, we all need more freedom, money and time. Where else can you get that? In the industry business partners are told to work at least 2 hours per day to grow their businesses. That’s an average of 8 hours from Monday to Friday. If done correctly this is all one needs to sustain a healthy and wealthy lifestyle from passive income brought in by the industry. Freedom has the allure to pull and no one will ever say no to an opportunity to get more!And, finally, perhaps the most important reason of all…
3.8 AuthenticityThe network marketing business model thrives on the values of femininity such as nurturing support, collaboration, and authenticity – all of which are inherently feminine traits that are easily transferrable into the business model. The more women show up as their natural caring selves, the more successful they become in developing long term substantial relationships in growing their teams and customer base.Chapter 4The Meek Shall Inherit the EarthThe worlds middle class is becoming much larger, the worlds education system is being made more accessible and demographics from the poorest suburbs on the planet have made that extraordinary leap from third world country struggle – to developed world multi-millionaire. Let’s have a look at some examples.4.1 The Gift of AdversityStudies and research have proven time and time again that those from minority, ethnic or migrant backgrounds go that extra mile to achieve their goals in life; if given a small and fair chance to give an opportunity a ago. With that attitude and hunger in network marketing, most if not all, go on to become extraordinary wealthy, becoming multi-millionaires and leaders. There is just something magical, mystical, unknown and empowering about enduring as an underdog from one of those aforementioned backgrounds. Turning adversity and challenges on its head can be the source of generational wealth for years and years to come. Let’s research an example of a network marketing company that is capturing this driven demographic.4.2 KyaniKyani is a global network marketing giant who has successfully positioned itself for global dominance in developing countries to assist the worlds growing middle class. A new starter but safely past the initial 10 year start up survival phase, and rapidly expanding into some 60 plus different countries over the short space of time, Kyani doesn’t limit its sales in developed economies but has strategically given interest to the worlds developing nations such as Honduras, Guatemala, Kazakhstan and Slovakia to name a few. You only have to grab a copy of Kyanis annual network marketing magazine to see proof of the overflow of the minority demographics from countries such as Korea, Turkey, Hungary and the Philippines who are being inducted into the 7 figure salary clubs. Most had disadvantaged starts in life and were from the ordinary occupations such as soldiers, hairdressers and tradesman.Let’s look at some life examples.4.3 Les BrownAfrican American global inspirational speaker, Les Brown didn’t have the best start in life. In fact it was horrible. However, he turned that pain around and become an inspirational example of hope for the world. Les Brown often refers to another historic global icon Ralph Waldo Emerson in his speeches who coined today’s existence as the ‘age of self-reliance’. Les Brown champions unorthodox underdog mental motivation and entrepreneurship – qualities that are found in those that are from minority, migrant and ethnic backgrounds.4.4 Robert KiyosakiFrom a military and Japanese Hawaiian background – Robert Kiyosaki, the award winning Rich Dad, Poor Dad writer; has proven that network marketing success and wealth is not reserved for any demographic. Success can be achieved by anyone, and from any background.Chapter 5Global Icons in Network MarketingNow, let’s look at some well-known global figures who have aligned their businesses with the network marketing industry.5.1 Warren BuffettThe man needs no introduction as a philanthropist and investor and usually sits in the top 3 of the richest people on the planet. He is valued at nearly 70 billion USD and owns Berkshire Hathaway. Berkshire Hathaway owns three network marketing companies, Kirby, World Book and the Pampered Chef. To this day Warren Buffett calls purchasing these network marketing companies – the best purchase he has ever made!5.2 Richard BransonA man that also requires no introduction. One small branch of the Virgin Group that often goes unmentioned is Vie at Home, a network marketing company formerly known as Virgin Vie. Vie at Home made over $60 million of profit in its – first year maiden of existence! Ouch!5.3 Donald TrumpYes, no political affiliations here but when asked on the David Letterman show: What would you do if you lost everything and had to start over from scratch? Trump replied – “I would find a good network marketing company and get to work”.5.4 Bill ClintonIn 1997, Bill Clinton endorsed network marketing in his remarks to the Direct Selling Association. President Clinton stated that ‘You strengthen our country and our economy not just by striving for your own success but by offering opportunity to others… Your industry gives people the chance, after all, to make the most of their own lives and to me that’s the heart of the American dream’.5.5 Jim RohnOne of the worlds pioneers in personal development and network marketing. Today remains one of the founding fathers of the personal and professional development movement and mentored motivational leaders like Tony Robbins. Jim Rohn found the light and opportunity within the network marketing industry and within 6 years – turned his fortunes around to become extraordinarily wealthy, by the age of 32.Chapter 6SummaryWith our brief history and introduction lesson complete, we will go from a beginner to more advanced network marketing challengers and the strategies that will equip the beginner early in the journey. We will unearth deep scholarly research to help structure your leadership for both, the local and the rising global markets.This Australian scholarly research will include vital business concepts that have been proven to increase the chances of success by leveraging both digital and offline mediums. As a bonus and later on in the book; the author personally will outline how his global and MBA experience has helped him in the industry.I sincerely hope that this book adds insurmountable value to your life, those around you and most importantly, your bright future.Thank You.AboutDavd was born in Fiji. At 20 years of age he enlisted into the British Army at Stoke on Trent in England. He served all over the world for a decade as an engineer and team leader. Some of his postings included Germany, Bosnia Herzegovina, Cyprus, Australia and Afghanistan. He moved into civilian life in Australia on May 22, 2012 and rose quickly through the civilian and public service leadership ranks. He graduates in November, 2018 with an MBA degree from Torrens University Australia and lives in Adelaide.

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Are You an Entrepreneur or a Small Business Owner?

Do you want to be an Entrepreneur or a Small Business Owner? Is there a difference, and does it matter?There is a difference, and it’s easy to confuse the two or use the two terms interchangeably. A Small Business Owner owns their own business, but also actively participates in that business. Often the Small Business Owner is critical to the ongoing success of the company. Without him or her, the business either does not exist (i.e. medical, legal, accounting, consulting, freelancing) or would suffer greatly in the owner’s absence for any period of time.We often use the term “Solopreneur” to refer to the individual practitioner who is their own boss but must personally deliver a service or create a product for their business to generate revenue. While this may certainly be better than working for someone else, it’s still about trading time for money – and time is our most limited resource.Whether you are a Solopreneur or a Small Business Owner, you likely own a business that depends primarily on you. Perhaps the business is run by you and a couple of other founders. The point is, only a few people know and can execute on the secret recipe at the foundation of your business. And those key people must be present for the business to operate.An Entrepreneur instead builds a business and supporting systems that are independent from the founder. The founder may well be an integral (or exclusive) part of the businesses initially, but the goal is always to grow the business to the point where the owner does not have to be involved in day-to-day operations. When you build a business that continues to generate revenues in your absence, then you have created a truly leveraged model and can call yourself an Entrepreneur.Many of us start as Small Business Owners, enjoy success, and grow our companies. We may then move on to creating a larger business that does not require us to be present, and we graduate to the level of Entrepreneurship. If we repeat this multiple times, then we may call ourselves Serial Entrepreneurs.”Entrepreneurship is the pursuit of opportunity without regard to resources currently controlled.”
Howard Stevenson, Harvard Business School Professor.
You may not be clear at the start as to which one you want to grow up to be, an Entrepreneur or a Small Business Owner. But by asking yourself a series of hard questions, and honestly assessing your true desires, you are more likely to start a business that suits you best. And it’s certainly acceptable if you want to be Small Business Owner… we are not saying that’s a bad thing. But it’s important for you to begin understanding the difference between the two as it may impact the type of business you build and how you plan to develop it.It’s also important to avoid creating another low-paying harder-working “job”, like the one you may already have! Michael Gerber explains this situation best in his seminal book “The E-Myth”. This book is a must read for small business owners, with one of its major themes being the difference between working “in” your business (you make the pies) versus working “on” your business (others make the pies following your recipe and systems).As you prepare to become your own boss, or if you have already started a small business, it’s important to keep your long-term vision in mind. Doing so will help you determine the type of business you start and build, helping ensure that you achieve your definition of success.Do you want to be an Entrepreneur or a Small Business Owner? Here are some questions to ask to help you determine want you really want:

Do you want to own just one or two locations (i.e. one or two franchise units, or your own practice) or do you want to create something bigger with multiple locations and perhaps grow internationally (i.e. offer franchises and hire others to run the business)?

Do you want to work in the business (i.e. make the donuts) or do you want to have someone else manage the day-to-day operations (i.e. someone else makes the donuts following your instructions)?

Are you looking for a job or are you looking to create a self-managing company (a business that does not rely on your day-to-day presence for success)?

Do you prefer to create or do you enjoy executing?

Do you envision creating multiple different businesses across multiple industries?

Are you able to let go of all of the details, or are you a micro-manager?

Are you the only person who can deliver your service or product, or can you teach others how to do it?

Is your goal to work hard until a certain age and then retire, or continue creating and leading your businesses until you are no longer mentally capable?

Can you sell your business as it currently operates and without you having to continue being part of it?

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Bad Credit Car Loan Vs Guaranteed Auto Financing – Will You Save Money?

You’re in the market to buy a new car and that’s great. Today most everyone buying a new vehicle will need some form of auto financing and if you find your personal finances or credit are less than perfect, you can still get a very affordable car financing if you know how.An informed car buyer is a smart car buyer. When you know your auto financing options and you have your car financing set up and approved before you talk to any sales person, you can walk into a car dealership and negotiate a better deal on your terms without feeling intimidated, regardless of your financial situation.If you know that you have certain credit challenges, you should understand the differences between bad credit car loans and guaranteed auto financing.Bad Credit Car Loans…Bad Credit Car Loans typically have been available through new car dealerships on the purchase of a new car or a pre-owned certified used vehicle. The actual auto loan financing paper-work is handled at the dealership but in general, the bad credit car loan finance contract is sold off to another lender. That lender will maintain and service your loan. Loans typically have a term of 24 months up to 60 months. The downsides to a bad credit car loan are that many franchise car dealerships are not set up to arrange these type loans in-house, interest rates and cost can vary widely and limit your auto purchase choices.Guaranteed Auto Financing…Guaranteed Auto Financing differs from a bad credit car loan primarily in that this type financing is offered directly by smaller or independent auto facilities. Your finance contract is provided by the actual auto wholesale dealer and the loan is paid directly to the auto dealer that sold you the car. In other words, you would be financing your car purchase from the company that owns it and sold you the vehicle. Guaranteed auto financing is used for the purchase of used or pre-owned vehicles and not typically for purchasing a brand new car or truck. Loan terms are shorter than more conventional auto loans and they rarely offer terms over 36 months.The big advantage to guaranteed auto financing is that often no credit check is required to obtain this financing. Payments are normally made weekly and sometimes in person. One disadvantage to this type of auto loan is that many car dealers providing guaranteed auto financing will never report your credit to the credit bureaus. So if you’re making payments regularly and establishing an excellent payment history, this will not be reflected in improving your personal credit profile or your credit score.Your best approach would be to start now and see what financing options are available for you. There are excellent specialized auto financing services available online today that offer a whole range of affordable car loan programs even if you’ve been turned down for financing or you have poor credit, bad credit or other financial considerations, you’ll be surprised at how they can help you to buy a new car.You see now that there are major differences between a bad credit car loan and guaranteed auto financing and there are other financing options besides these. Get approved for the best car loan for you first, then walk into the car dealers and negotiate on your terms.

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Ranking on Google’s Page 1

Here are 10 tips to improve the search ranking of your business. These are practical and proven ideas to help your consultancy business grow online.1. Understanding How Google works
Google ranks content on the web in the same way you can judge the authority of a particular opinion. That means the more times a particular opinion is referred to by others on a topic, and the longer they have been established in their knowledge area, the more relevant that opinion might be to a researcher in that topic.
Despite the changes of its algorithms, your site will rank well if it
o contains good and appropriate content on that topic which is
o frequently and naturally linked to by others
o for a sustained period of time2. Crawling Spiders
Search Engines find pages by sending “spiders” (or robots) to “crawl” the internet. These are programs which move from one page to another, read the text, then follow another link to move on. The spiders bring back the content they have read and add them to the search engine’s index.
The main engines are Google, Yahoo!, MSN and Ask. These control around 90% of the search market and search engines will find and crawl your content successfully if you (1) have at least one link from another site to yours, and submit a list of all your pages (a ‘Site Map’ file) to them.
The most important thing you need to do is ensure the search engine ascribes more weight to your more important pages normally your home page.3. Find Good Phrases
The real prize is to attract internet searchers looking more generally for services that your business offers rather than just get ranked high for your business name (which is quite easy).
The key is to thoroughly research the key words and phrases that people most often use to find what it is you are offering and the number of competing content on Google which also attempt to rank for that phrase. By merging these two data sets, you can identify good phrases where the demand is high but the supply of competing choices relatively low; “holes in the market”.
You can do all this at adwords.google.com/KeywordToolExternal. To find which phrases are more popular requires the use of this and similar online tools.4. Long Tail
Long tail is the term given to keyword phrases that involve several words rather than just one or two. Half of all searches on Google are for phrases containing three or more words. After all, “mens’ hairdresser South London” is a better search term than “barber”. As the number of words increases, so the frequency of searches goes down. However, the likelihood of conversion (of a click-though to a sale) rises. This is because such a phrase is likely to be typed in by someone looking for exactly this. Once found they are more likely to purchase that product or service.
It is much easier to rank well on a longer phrase (or series of phrases) than a short one – and it will deliver improved conversions.5. Set up Your Pages Right
What people often do not realize is that every part of the web page content is read by the spider, including the full address of the page (or “URL”). So you need to have both a keyword-rich domain name and a keyword rich set of sub-page and file names.
The most important blocks of text on your page from a search engine point of view are the page title the full URL, and the page headings (h1, h2). So you need to use these.
The whole page of the content is also crawled by the spiders, as are the other meta-tags, including the meta-description and meta-keyword tags.
There are three key principles for writing good copy; prominence, proximity and density. The first means that text nearer the front of a text block carries more weight. For example, a title of “business coaching from Anderson” will rank better for a search on “business coaching” than the tile “Anderson: We offer Business coaching”.
Proximity refers to how close the keywords are to each other. The spiders see this as being relevant to the search and so will reward it.
Keyword density is the principle most familiar to people. Clearly, “business coaching” has a higher density of keywords than “business coaching and more”. Remove superfluous or redundant words!6. Get Links
No matter how well written your site is, you will struggle to rank on Google without inbound links! Remember there is a principle of “citation” behind the Google algorithm. Other sites that ‘cite’ yours by having links to your site are valuable to you.
Ideally, you need links from other sites in quantity, quality and which contain the keywords or phrases that you want to rank well for. Google judge links that come from long-lasting and popular sites to be more valuable than others. Also, links from sites with similar content to yours are worth more.
In some ways, Google is a democratic domain where the sites with the most votes win the election. Buying votes is not allowed and will be punished so Google have been finding ways to end this once common practice.
Better ways to build in-bound links include directory submissions, forum participation, pay-per-click, article submission, and cross-promoting sites with other webmasters (so called “link building”).7. Paying Campaigns
Some use Google AdWords to pay for ads and positions.. But once you stop the payments, the ads disappear. By contrast, a well-run organic campaign, the investment may be large (particularly in terms of time and energy) but the benefits are quality and continue long into the future.8. Submit to MapsThere are now millions of more sites on the internet and the web is getting ever more local. Make sure you have submitted your site to Google Maps and other local search engines. Over the next few years, many more people will use search engines on their mobile phones to find services more locally. You need to be ready for this.9. Always Tweaking
Make sure you familiarize yourself with Google Analytics and Google Webmaster Tools. With these, you can see how people find your information, how the spiders look at your content, and the number of in-bound links you have. A search engine campaign is something thing you need to work on over a long period of time with constant attention, testing different changes and techniques.10. Play the Long Game
It tends to take around 6 months or more for a new site to start ranking well. To rank really well requires patience and sustained effort and there is no “quick fix”. Any one who offers you a page one ranking overnight is either lying or being unscrupulous in their techniques.

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Keep These 5 Rules in Mind for Successful Commercial Designing

Who doesn’t want an excellent commercial design? Excellent commercial design is important to maintain the reputation and brand image of the company. As it is said, the first impression is the last impression, a good impression always attracts potential customers. It’s obvious no one would ever love to walk in a congested environment with bad lighting.

Bad design and interiors deteriorate the productivity of the employees. It can be a confusing task when planning a commercial designing project for the first time, hiring expert Commercial Architects Melbourne can be the best option to know about the latest trends and perfect matching designs.

This blog is about some basic rules to consider for making the commercial project successful.
Keep structures versatile

When it comes to transforming any commercial space, focusing on convertibility and keeping office interior decor versatile can be the best option. It can be done by implementing a versatile structure to spaces such as cafeterias, offices, and many more. Everyone gives preference to comfort hence, focusing on spatial and versatile design will help to complete commercial designing projects in an optimal way.

Consider the latest technology implementations

Technology plays a supportive role to enhance the commercial designing project. Moving forward with the latest technology is important to execute any business smoothly because technologies make the work much easier and comfortable for the employee as well as organizations. Implementing centralized and decentralized digital control is much needed in any commercial design.

Keep office aesthetics updated

Good aesthetics and interiors impact the overall representation of the office and make the place functional and attractive. Hire a reputed designer for modern d├ęcor and furniture ideas. Hiring a designer reduces half of the project stress and helps to meet the contemporary fashion and latest trends. They can help to choose the perfect theme that blends well with the office decor, atmosphere, and colour.

Provide personalized space to prevent congestion

Majority of customer prefers personalized space such as different seating to seat comfortably and do the personal work. Personalized space is one of the crucial factors for customer-based service offices such as hotels and cafeterias to provide an ambient and comfortable place.

Always keep safety first

Safety is the central feature of every construction and designing project. Hence, it’s the high-priority factor to keep the aesthetic and functional safety at the working place. It can be compromised for interior decoration and design purposes but it’s not at all affordable to compromise for safety purposes.

Following the above useful ideas can easily help in the successful completion of a commercial designing project in a safe and pleasing way. In today’s, modern construction, reliability, and comfort is also an equally important factor.

Final words,

It’s important to hire the experienced Building designer Melbourne to make the commercial designing project worthy. Hope the above rules helped you to scale up your interior designing projects with a better outcome. Follow the above tips for any renovation or remodelling project and surely you will get award-winning and achieve a better office experience.

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How Long Should A Laptop Battery Last And How To Increase the Battery Life

No matter how expensive your laptop is, its battery won’t last more than four years. According to experts, a new laptop battery gives you as many as 1,000 cycles. In other words, you can charge and recharge the battery up to 1000 times. However, many factors play their role to increase or decrease the lifespan of a laptop battery. For instance, the material used for producing the battery substance. So, if you want to ensure that your battery stands the test of time, given below are some of the tips that can help.

1. Install a good battery monitor

If you are looking for an alternative, you can choose from tons of third-party utilities. Basically, the software programs help you monitor your laptop battery. These programs have no compatibility issues with any type of laptop.

Using these tools, you can find out which programs are using most of the battery power. You can then close the unwanted programs to save battery power.

2. Install maintenance apps

You can use some manufacturer-recommended maintenance tools for maintaining your laptop battery. Based on the type of your battery, you will receive different suggestions. Apart from this, your operating system will come with a built-in utility that can help you keep an eye on your battery condition.

3. Maintain your device temperature

You should try your level best to ensure your laptop maintains its temperature. In summer, electronic devices tend to heat up, which negatively impacts the life of the battery packs.

Therefore, you should make sure that there is a little bit of space between the bottom of the device and the table you have placed your device on. Besides, the ventilation system of your device should be working properly. For this purpose, regular cleaning of your device is quite important.

4. Don’t use maximum brightness

When your screen brightness is at maximum level, your device will use the maximum power. So, turning down the brightness is the first thing you can do to save power. Also, it is not a good idea to keep the brightness at max level as it can have a negative impact on your eyesight.

So, by following these simple tips, it will be easier for you to extend the life of your laptop battery.

5. Change the power-saving settings

Before you do anything, go into the power options of your laptop. If you are using Windows operating system, you can go to the control panel to access the power options. The control panel can be accessed from the Start Menu.

Some users have MacOS. If you are one of them, you need to access Energy Saver, which is found in the System Preferences. If these values are set to default, your computer will use the least amount of power.

So, what you need to do is make small changes to the settings so that you achieve a balance between power and performance. For best performance, there is always the choice to connect your device to the AC outlet.

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The Best Ways I’ve Found To Make Money Online From Home

Have you been looking for a way to make money online without having to know much of the internet stuff? Wanting to work at home but don’t know how to do it? Here is the key gem: Between all the tricks on joining the craft beer movement, opening a gallery or being a tour operator, you will find clever advice that anybody can apply to make money online quickly.

The most basic way to make money online is through affiliate marketing. It is really easy. Basically you set up an ad for someone she is selling something and when they click through and buy it, you make money! Simple enough if you have no technical skill at all. Here are some simple tips on how to earn using affiliate marketing:

Drop-shipping is one of the most useful methods. You select a product in which you believe there is a demand and then drop-ship it to your customers in small quantities. You make money from the difference between what the stock costs and what you sell it for. For this method, it is important to note that you may need to make space for your inventory on your premises or perhaps wait until you have a build of an inventory before you can start drop-shipping; but the advantages make it a good choice for those seeking to make money online from their spare time.

Paid surveys are a great way to earn some extra cash. These can be accessed easily and there are many sites where you can get paid from spending your spare time. There is one site, though, which is said to pay $200 a week for twelve weeks straight – you can’t beat that kind of money making potential. With paid surveys, it is important to note that the sites are generally scams, and that you need to do some research to ensure you are making good money making opportunities.

Finally, a passive income generating method that can bring in money on autopilot is eToro’s Forex trading. This works by allowing you to invest on a demo account and earn money from the performance of the currencies being exchanged. The best thing about this system is that it allows you to do virtually anything and still see profits coming in. eToro has an average starting price of less than $50 and can generate an income of five figures in just a few months.

These are the best things I have found for making money online from your home. Though none of them are as good as, say, a paid-online course, they are much more affordable and can provide a valuable education to start earning money immediately online. With just a little research, you should be able to find a legitimate opportunity to get paid to learn the basics of making money in the currency markets. This is a truly remarkable opportunity.

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Finding the Best Business Idea For Your Home Based Business

How many home based business opportunities are available to you? If you want to make money online at home, you really have many options to choose from. The big question is – which one will give you the biggest chance of success? Is there a ‘one size fits all’ answer? The simple truth is that not every opportunity is right for everyone, and not every opportunity will bring you the greatest amount of profit.

So, what are some home business ideas that can make money online for you? The quick and dirty answer is: the one that best suits your particular set of needs. Make a list of your priorities, including a high income; a low-risk schedule; freedom; flexibility; work-life balance; independence; something in your range of skills and expertise; and interesting work that you have an interest in… You can take this list with you and talk to people who are working from home on the same things that you would be considering. Chances are that you will find some great niches that fit your standards and your desires.

But what if you want to get started right away? It’s easy to think that you can jump into a new business idea and be successful immediately, but this often isn’t the case. It takes many different things to make sure that you will be able to get through the hurdles and actually make it to a point where you are seeing profit. If you don’t work at it slowly, you will be setting yourself up for failure. Here’s the lowdown on some different things that you should consider as you create your own business idea:

First, you need to think about what you have to offer. If you don’t have any ideas as to what to do as a freelance writer, a lowdown on finding a niche is very important. Many beginners go into this completely clueless. But if you know that you have a skill that others are desperately seeking, you may be able to provide them with the service they are looking for without having to spend much time building up a website or getting traffic to it.

Another thing to consider is what kinds of products or services would best fit a niche that you would like to get started in. In this case, the lowdown on finding the best business idea for you would include taking a look at what you love to do and what you can offer others. If writing is not your strongest point, but you love to get creative, consider freelance data entry. Freelance data entry does not require a lot of startup capital, but you still need to have the skills that will allow you to be successful in this area. The best lowdown on finding the best business idea for you is to simply start looking at what you like to do and what you can offer others.

There are many other areas of freelance writing that you can explore in order to make the most out of your home based online business. Freelance writers are in high demand online. If you have the skills that are needed to do well in this field, there is no reason that you should not be able to find a great home-based online business that will give you the income that you want.

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Earn Money Writing From Home And Never Run Out of Ideas

Is it your dream to work from home as a writer and earn money from everything you write? That was my dream for years, and 20 years ago it became my reality.

One of the hardest things at first was to come up with ideas of what to write about. I started by doing freelance writing and I also set up my own website and I wanted to write and publish books. It was all a great plan, but it meant coming up with thousands of ideas.

At first I didn’t think it was possible, but it turned out that not only was it possible to come up with endless ideas for writing, but I ended up with notebooks full of ideas because I had more than I could ever use at once.

And I’ll tell you 3 things that helped.

1. I write fast. Once I’m into writing an addictive story or an interesting article – or series of articles, I get into a writing ‘flow’ and can write for hours. I never stop and second-guess myself. I just keep writing because fast writers are mega producers and never have time for writers’ block.

2. The more I write and the faster I write, the more writing ideas I have. Productive writers always get an abundance of ideas as they write. When I’m immersed in my writing, my creative mind goes into hyper-drive. Even if I started with only one or two ideas, once I sit down and start writing the ideas start flowing. And it doesn’t matter what I write. Even if I’m journaling or copying out someone else’s writing by hand (just for practice), it inspires ideas.

3. I love to write. Most days I’m excited and motivated to sit down and write. I hurry through other chores I have to do so that I can get to my desk and write.

At first, being a writer was hard because it’s not easy to work from home with no boss, no set hours and too many distractions. But once I got a writing routine, I found that once I sat my backside in my chair and started writing, it was easy to ignore everything and motivation arrived and kept me going.

So if you find yourself longing to write but stuck for ideas, just sit down and start writing. Write anything even if it’s just nursery rhymes you were taught as a kid, or open a book and start handwriting it out.

And if you’re like me you’ll find that even on days when you think you don’t feel like writing and the ideas just won’t come, sit down and write anyway, and before you know it you’ll be overloaded with ideas.

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