The Investment Mistake Otha Anders Made

In 2015, an elderly Louisiana gentleman cashed in at a nearby bank, a truckload of 55-gallon plastic water jugs of pennies that he had collected over the previous 45 years. After the last penny had been counted, Otha Anders received over $5,130 as the total amount for his pennies. That’s over 510,000 pennies. To the general public, this news probably sounded wonderful, but to every American numismatist who collects and buys coins for fun and profit, Anders lost a lot of money.

According to the News-Star of Monroe, La., Anders referred to each of his pennies was a “God-given incentive reminding me to always be thankful.” In Anders case, however, a “penny saved” may be more than “a penny earned.” Many of those that he cashed in to get instant money, would have been worth more money.

Since Anders began his penny hoarding in 1970, he would have picked up many “wheat” pennies that the Mint struck between 1909 to 1958. Even today, there are still many “wheat” cents in penny rolls and circulating change. When he started saving in 1970, he would have found many wheat cents in great condition. Over the last 45 years, most of each of those pennies would become more valuable than one cent.

According to the “Guide Book of United States Coins 2015″ by R.S. Yeoman, wheat cent values ranged from $.10 in “good” condition to several hundred dollars in “almost” uncirculated condition. Also, the guide records a few extremely rare pennies that were worth up to $5,000 in uncirculated conditions. However, it would be impossible to estimate how much the numismatic value of the entire collection might be; each coin would have to have been examined by reputable coin dealers who could have helped him sell his collection, but it’s easy to imagine Anders would have made over $20,000 if he had had the patience to get them evaluated.

In addition to numismatic value, there is a precious metal value for the price of all of the coin’s weight in copper. All American copper coins struck until 1981 contained 95% copper. According to the “InvestmentMine” website, in 2015 the average value of copper was $2.86 per pound. All of Anders’ pennies together weighed over 2,800 pounds. So, if he picked out all of the coins, we’d multiply 2,800 pounds and 2.86 the sum in copper would have been a total of roughly $8,000. However, a conservative estimate of the number of pennies made of copper was 75%, we’d get about $6,000, which is about $900 more than he received.

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How a 529 Account Helps Make Saving For College Easy!

Saving for your child’s higher education is one of the most important investments you can make for their future. To make saving for college easier, the Qualified Tuition Program or the 529 plan was established. The 529 plan is a federal-income-tax-free savings plan to be used exclusively for qualified educational expenses.

Research shows that a college education can lead to increased income and better job prospects. Unfortunately, the rising cost of tuition has become a budgetary issue for many families. Tuition prices have jumped so much that if you want your child to graduate from college debt-free (or close to it) you better start saving now.

The benefit of subsidizing college with a 529 account are varied. Below are a few reasons worth considering:

College is expensive. The earlier you start saving, the more time you have for your savings to work for you. Even saving small amounts will eventually gain larger dividends down the road.

Cover more than tuition. A 529 account can be used to pay for all the costs associated with higher education, including textbooks, computers and other necessary materials.

Use towards technical education. In addition to tuition at public or private colleges, the 529 savings can be used towards trade schools. These types of educational institutions are becoming very popular mainly due to the increasing costs of traditional universities.

Tax benefits. The state of California offer tax-advantaged growth as well as a way to potentially shrink your taxable estate. While contributions to California’s plan are not deductible at the state or federal level, all investment growth is free from state and federal taxes, and the earnings portion of withdrawals for qualified education expenses are income tax free. Additionally, the California 529 plans allow individuals to contribute up to $15,000 per year per account without triggering any federal gift taxes or using any of your lifetime gift tax exclusion amount. The IRS Publication 970, “Tax Benefits for Education”, explains how to calculate the taxable portion of distributions. (Please consult your tax advisor regarding potential tax benefits).

Lower student debt. A 529 savings account can help ease the burden of student loans and lower the amount that is borrowed.

Flexibility. There are two different types of 529 savings accounts. A 529 plan permits you to move money around to different accounts within the plan. Keep in mind that each plan has its own set of rules, so do your homework before making changes that could unfavorably affect your investment.

• Prepaid tuition plans – These plans allow for the pre-purchase of tuition with money to be disbursed when the student enters college. These prepaid tuition plans are usually managed by state organizations or by colleges and universities themselves. Most of the time, the funds in these types of plans cannot be used for room and board.

• Savings plans – Most of these plans invest in mutual funds, certificates of deposit and

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Investing in a Volatile Environment

The volatility that we recently experienced in the market is very troubling to some investors. Unfortunately, those investors who hit the panic button and sold off are recognizing large losses in their portfolios only to turn to investments that are perceived as safer places to invest.

The fact of the matter is that we invest our money to earn long-term rates of return that will exceed the rate of inflation and help us preserve our purchasing power. Historically, cash has been the worst place to invest over the long term.

Losing Investment Capital in a Volatile Market
According to Fidelity Investments, investors who sold their 401(k) holdings while the market was crashing between October 2017 and March 2018, and then stayed on the sidelines, have only seen their account values increase by about 2%, including contributions, through June of 2019. This compares with those who held on and saw account balances bounce back by around 50%. During periods of extreme volatility, wealth managers will often tell clients to stay invested rather than sell and lock in large losses in a seesaw market.

Building confidence in your strategy is a way to keep from making the mistake of buying high and selling low. Having the mental conviction to tell yourself that you have a carefully planned portfolio of high quality investments goes a long way toward getting through the toughest days of market volatility. If you are unsure of how to select high quality investments, consult with an financial manager or registered investment advisor.

The question is; how do you reach that state of mind? It’s not easy if you are the type of person that tends to get knots in your stomach when the market drops. We outline some steps below that might be able to increase your level of confidence.

Conquering the Fear of Volatility
One step you should take to better handle volatility is to make sure you have adequate cash reserves for a financial emergency that might arise. This way you are not depending on your portfolio for unforeseen expenses and your anxiety level will be lower, knowing that you don’t need to sell your investments when they have declined in value.

Make sure you have a mix of investments that fits in to your risk tolerance and time frame. This can be accomplished by considering how you have felt when past market declines have occurred. Your wealth management advisor should be able to provide you with a thought provoking questionnaire that will give you a score when completed. The score on the questionnaire will have a corresponding asset allocation that you can use to determine the split you will have between stocks, bonds and cash.

Once your allocation has been determined, stick with it. It is a good practice to reallocate your assets on a regular basis to keep your risk level the same. This means that a portion of those investments with better performance will be sold (sell high) to purchase in order to purchase shares in those that have not performed as well (buy low).

Other ways to hedge volatility can be through the use of options. Two simple strategies can be applied. One is the sale of covered call options against underlying stock or ETF positions. In this strategy you (the seller of the option) collect money from a speculator (the buyer of the option) in exchange for an agreement to sell your stock only if it reaches a specified price (higher than where it trades at the time of the transaction). The option must hit the price target (strike price) within a predetermined time frame (expiration date). If it does not, the contract expires you keep the money paid and are free to sell more options against that stock position.

The other strategy is to simply buy a put option. This gives you the right to sell your position in a stock or ETF that you own at a predetermined price within a predetermined time frame. For this privilege you will pay money (a premium) to the potential buyer (seller of the put option) of your stock. This strategy should be implemented in periods of low volatility, as the cost of the transaction will rise as markets begin to fall.

Buy With Conviction
Let’s say you’ve owned a stock that has done well over time. The stock has had a history of increasing revenue, profits and dividend increases. It seems like the stock is usually going up when the market goes up, only now there has been a big selloff in the market, and the stock has dropped dramatically due to market conditions. It may be time to do some homework on the company and make sure that the drop is due to just a generally bad market. If it that turns out to be the case, maybe it is time to buy more of the stock. Great companies often go on sale in market declines, only to have dramatic upturns once the market decline is over.

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Image Optimization for SEO – Best Practices

Quality content is the key to SEO success. Content doesn’t just mean your text contents. Images must be an integral part of your content strategy. At times, single images can be far more effective than your 1000 word blog post. It also helps you improve blog post quality and performance.

Images, Infographics, Videos and all other multimedia contents on your web page will help you in increasing the user engagement on your site and makes the visitors stay on your site for longer duration which helps in reducing the bounce rate.

Not just adding images to your contents, you should also optimize those images for better SEO performance. Optimization of images must be the one important aspect of your on-page SEO process.

If you are using images in your content, there are many aspects to be considered related to SEO.

Relevancy

Using images doesn’t mean that you should fill up your content with loads of pictures. You should use it only when it is required and also you should use images that are more relevant to your content.

Placement of your images is an another important aspect. It should be placed at a relevant location in your content according to your text content.

Use original images

Originality always helps in improving your user experience and your authority. Usage of original images will be helpful in improving your SEO performance. You can create original images with a graphic designer or you can take your own photographs with a quality camera. It is the reason top White hat SEO companies employ talented graphic designers for creating quality images.

If you are not able to employ an in-house graphic designer or if you are running out of time, you can always use high quality images from the web. But the important factor to be considered is it should be copyright free.

There are many tools available for getting copyright free images without any cost. The most popular ones are Unsplash, Flicker, Freeimages.

Image Size

Images are the main source for damping your site’s speed. And site speed is a crucial factor in your SEO performance. So, you should be extra cautious in using images without compromising your page speed.

It should not also affect your image quality, you should have a correct balance between. You can achieve this by reducing the file size by compression. You can use tools like Photoshop for compression.

File name

Search engine crawlers are visually impaired, it can even interrupt a 5000 word text content, but it cannot interrupt a single image and what the image is about. It is the reason using a keyword rich file names for your images is an important aspect in image optimization.

Google bots and other search engine crawlers can read your image’s file name and if it is named with your target keyword, it gives a signal to search engines about the image topic and thus helps your SEO performance.

For example, if your image is related to selling sports shoes, rather than using the file name as “IMG_89868″ you can use it as “Black_Tennis_Shoes”.

Alt text

Similar to the file name, search engines can read Alt text of the images. Alt text is known as “Aleternative Text”, is an HTML attribute used to describe the content of images.

You should use Alt text which is relevant to your images and it should be clear and descriptive. You can use your target keywords in the Alt text but be cautious about Keyword stuffing.

If you are not focusing on Image optimization, you are missing a huge opportunity in improving your SEO performance. You can use above mentioned best practices in your on-page optimization process.

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Best Support And Opportunities For All Youth

American youth currently face challenging realities along their way to adulthood. With parents working longer hours and the absence of grandparents and other community adults who used to make up support systems, the intergenerational fabric of community has been frayed. Youth development strategies aim to reweave community fabric in a new way – one that takes the supports and opportunities young people should have, and re-institutes them in the context of young people’s realities today. While many of these realities are harsh ones, we know that young people themselves want to be involved in their communities. The importance of building positive youth/adult partnerships in this process cannot be stressed enough.

The mobilization effort is based on influencing three critical elements: information, attitudes, involvement. The transformation of each of these areas, both in the public and private domains, is a necessary condition for change. For example, in the area of information, the country is currently focused on collecting primarily negative youth information, e.g., teenage births, dropouts, and juvenile arrest rate. Inspiring a 180 degree shift, we need to collect information such as: average number of hours youth participate in after-school activities, computer to youth ratio in non-school hours, and the percentage of youth who hold part-time jobs. The three elements are intertwined, for how information is gathered and communicated impacts attitudes as well as how and if people choose to become involved.

Only through broad community commitment, strong public will, and diverse partnerships can youth development take root, go to scale, and be sustained over time. Ultimately, the mobilization must be supported by partnerships among all of the systems in a community that affect young people (i.e., education, corporations, health care, juvenile justice, religious groups, and recreation). To build these relationships and establish youth development infrastructures to improve developmental paths of adolescents will take at least 10 years.

Localities currently spending their resources on efforts to “fix youth” will need to pool, redirect, and increase their financial commitment to youth development. These additional dollars will ensure all youth equal access to supports and opportunities, especially youth living in economically distressed areas.

Our information on the services young people need, and use, is still hit or miss. Communities do not know what they have or what they need. They usually have no way to tell how well services are being used and what services need to be improved.

Good information is important for youth services for exactly the same reasons it is important for everything else. Accurate, accessible standardized information lets people find the services they need and use them effectively. It lets communities manage, evaluate and improve their services and determine the need for changing them, eliminating them, or developing new ones.

Many national efforts to measure outcomes presently use deficit-driven indicators to assess young people’s condition in society, such as teen pregnancy rates, juvenile crime numbers, and percentages of high school dropouts. Although these measures are important, they do not tell the whole story about young people’s experiences. Measures that reflect positive conditions and experiences of young people are also important.

The accelerated trend of the past decade toward empowering our nation’s young people to succeed has fostered a new awareness and commitment to this most valuable resource. Some basic questions are:

- How much do we currently spend?

- How much should we spend?

Some progress has been made through new initiatives in education finance reform and services integration, providing more effective delivery of social, health and educational services for children and youth from the classroom up to the government. This document establishes an initial framework and formula for assessing the financial resources and mechanisms necessary to move American society closer to this ideal. The following were found to be potential root causes of these trends in spending:

- Devaluation of adolescents.

- Lack of consensus on youth development.

- Lack of adequate and protected funding. Funds are not protected and dedicated in the manner necessary to sustain the long-term, comprehensive process that is youth development.

We can support the move toward the ideal by:

- Seeking new types of information.

- Building on the after-school momentum.

- Making a sustainable public investment.

Youth development is an investment that must be made by each sector of the wider community – public and private. Examination of the federal-state matching, local dedicated taxes an incentives for business and philanthropy could lead to models for providing adequate and sustainable funding for youth development. National intermediaries must work to cultivate this leadership at all levels of government, and at the grassroots, by creating constituencies.

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State Sponsored Retirement Plans Continue to Expand

Several states are taking the lead from California, Oregon and Illinois by offering state-sponsored retirement plans that encourage or require private sector employers to participate.

The plans are referred to as auto-IRAs because eligible workers are automatically enrolled, generally within 30 days of employment. The default contribution rate is typically 3-5% of a paycheck and the employee can stop, restart or transfer plan assets depending on their needs. Referred to as “public-private partnerships” by the Pew Charitable Trust, there is no cost to the employer. Proceeds are managed by a private financial firm management for a pre-determined fee. The plans are subject to the Employee Retirement Income Security Act (ERISA) like other sponsored pension and benefit plans.

This article provides an overview of the states that currently offer savings programs, as well as those that plan to do so in the future.

OregonSaves

Oregon was one of the first states to implement a savings program for employees of small businesses who are not otherwise eligible for a workplace sponsored pension plan. Titled OregonSaves, it is a state retirement program that is available to an employer or an individual planning for the future.

OregonSaves had almost $57 million in assets as of mid-2020. Employee contributions averaged $127 to $135 per month as of that time.

Enrollment is automatic for employees, with contributions being made through payroll deductions. Each employee account is portable and can be moved from one job to another.

All Oregon employers, regardless of employee size, must facilitate the State’s program for their employees if they do not offer an employer-sponsored retirement plan. The plan is working with small employers to make the process as simple as possible.

CalSavers

CalSavers is available to California workers whose employers do not offer a workplace retirement plan, self-employed individuals, and others who want to increase their savings. Plan participants contribute to an Individual Retirement Account (IRA) that belongs to them.

California employers with more than 50 employees must register with CalSavers by June 30, 2021 if they do not already sponsor a retirement plan. Registration is available to all California employers with at least five employees.

The CalSavers program opened statewide in July 2019 and had $4.3 million in assets as of mid-2020. On average, participating employees contribute $105 to $120 monthly. Like the Oregon plan, the default savings rate is 5% of the employee’s pay and employees are automatically enrolled after 30 days of employment. They can stop, restart or transfer plan participation at any time if they change employers.

CalSavers Retirement Savings Program is designed to simplify employer participation with no employer fees, no fiduciary responsibility, and minimal ongoing responsibilities. Employers that fail to offer participation in the plan as required are subject to fines.

In May 2021, a federal appeals court in San Francisco dismissed a legal challenge to the CalSavers plan.

Illinois Secure Choice Retirement Savings Program

Illinois launched its Secure Choice Retirement Savings Program in 2018. It is a state-facilitated retirement program that is open to employees who work for an eligible employer as well as other employees who want to enroll independent of their employer. Approximately 32,000 Illinois employees saved $8.5 million in the first year of the Illinois Secure Choice program, according to state reports.

The Illinois Secure Choice account is a Roth IRA for the employee. The default savings rate is 5% of gross pay. Employees are automatically enrolled through payroll contributions after 30 days of employment. An employee can opt out at any time. Plan participants are charged a fee of 0.75% of assets per year ($0.75 for every $100 saved), which pays for program administration and operating expenses.

The Illinois Secure Choice had 5,544 registered employers as of May 2020. There are no fees for employers to facilitate the program and employers cannot make contributions to their employee accounts. Employers serve a limited role as a facilitator. As of November, 2019, employers with 25 or more employees that have been in business for two years or more are required to participate in the program. Employers that already offer an employer-sponsored retirement plan are exempt from this legislation.

New Jersey Secure Choice Savings

The “New Jersey Secure Choice Savings Act,” was signed into law in March 2019, with a two-year time frame scheduled to take effect in March 2021.

The Act requires employers that have been in business for two years and have 25 or more employees to participate in a retirement savings program administered through automatic payroll deductions. Private sector employees of businesses of any size are able to participate in the retirement savings program. Smaller or newer employers could join voluntarily. Failure to comply will result in fines to the employer.

Employees will be automatically enrolled at the leve of a 3% paycheck contribution. The annual contribution maximum is $6,000 for those under 50 years old, and $7,000 for those 50 or older.

Connecticut Secure Choice Savings Plan

Connecticut employers with five or more employees must offer a retirement plan to employees, and private employers with four or fewer employees may choose to do so. Employees are auto-enrolled within 120 days of employment, and employees must be notified of their rights within 30 days. Employers are not permitted to make contributions to the program.

The Connecticut Retirement Security Authority, a quasi-public agency, was formed in 2016 to oversee the program. The state estimates that as many as 600,000 employees may benefit from the plan.

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How This One Thing Can Destroy a Client Relationship

Tales from the Online Marketing Crypt #18

Why being mindful of clients’ perspectives can keep them supporting your business

We all have them.

Days when everything pisses us off.

In fact, I doubt there’s a human being on this planet who hasn’t been in a bad mood every now and then.

I know I sure have my fair share of them!

And for a variety of reasons too.

But there’s one thing we business owners have an unwritten rule about (well probably it’s written somewhere by someone) is that no matter what, we don’t bring our bad mood with us when communicating with clients.

Would you agree with that fundamental principle?

But how many times have you, as a client or customer, been on the receiving end of someone’s bad mood?

It happened to me recently and that single instance literally destroyed a 30 year working relationship.

I had a hair appointment with the same gal that I’ve been seeing for decades. She works out of her home and lives about 25 minutes away from me.

I know exactly how long it takes for me to get to her place and am typically on time, every time.

Except the last two appointments.

The time previous to this last visit, I had an emergency come up just before heading out the door. It was something I had to take care of or faced dire consequences (as in having a very angry client on my hands!)

It meant I was going to be about 5 minutes late for my appointment. I texted her when I was leaving stating I was hurrying over and will be a few minutes late.

She didn’t reply and never said anything when I got there. We had our usual girl talk that I very much looked forward to.

This recent time I needed to do a quick errand before my appointment. I completely misjudged how much time it would take me to get from that other location to my stylist’s place. Plus… I got lost finding my way there since I was coming from a different direction.

I didn’t want to risk taking any time to stop and text her and honestly thought I was just a minute away… except it was more like 15 minutes before I finally got there.

I’ve never been 15 minutes late for anything and I felt terrible. I apologized profusely but unfortunately, she wouldn’t hear any of it.

She was pissed.

So angry in fact, she first lectured me on “always” being late, citing my text from the previous appointment, and that she was sick and tired of constantly hearing, “sorry I’m late” as if I’m the only one that says that every time I walk into her room.

Disclaimer: I’m a Canadian. We apologize for everything, even if we’re 1 minute late!

Stunned at how mad she was, especially knowing I was the last appointment of the day, I apologized again and tried to explain why I was late and even offered to leave with my hair wet to make up for the lateness so we would still end in time.

I didn’t know what else to do to rectify my error.

She was so angry, she gave me the silent treatment and only grunted her “hold your head here” and “move to the sink” commands throughout the entire time there.

I did leave with wet hair, 15 minutes earlier than what our appointment time would have ended at had I been on time, vowing to never return again.

I fully realize I was the catalyst that set off her anger, and I also realize she had to have been having one helluva a bad day before I arrived, and I got the brunt of her wrath.

I get it.

But as a customer, a loyal one for 30 years at that, there’s no excuse whatsoever to be treated like that.

Never.

When I have bad days like what she must have experienced, I set aside whatever is going on and treat anyone who I speak with that day, whether it’s one of our team members, a client, a lead or even chatting on social media, with the utmost respect and kindness.

Even if they are the reason for my having a bad day.

It serves no purpose whatsoever to make the other person feel worse than what I am feeling.

I found this experience to be so distressing, I posted about it on Facebook.

I received a variety of responses, ranging from my owing her an apology (which I did) to justifying why she blew up, right over to demanding I fire her on the spot (which I ended up doing).

These kinds of responses go to show how we are all human and all look at experiences from our own lens and past history.

For me, I was taken straight back to elementary school when I was the victim of bullying quite a bit. A feeling I never want to experience again!

For others, they empathized with her where time is very important to them and get angry themselves when someone disrespects it. (I’m actually the same way – being punctual is a huge deal for me.)

One thing I have done as a result of this experience is to find the lesson behind it all. For one, I will definitely plan my time better and ensure I give myself enough time to do what needs to be done in time!

I also learned just how fragile our relationships can be.

She lost a client of 30 years – and I lost any further opportunities to visit with someone I’ve known a long time to get some of the much valued girl time I look forward to with each visit.

It doesn’t take much to destroy a 30 year working relationship.

Yes I realize I could reach out and try to mend the fences but I am choosing not to. At least not right now.

At the end of the day, this lesson goes to show how important it is for us all to keep our anger in check. To realize our anger is being received by the other person, and be aware of how they are receiving it with their own personal response. They won’t always understand where you are coming from because they’re looking at things from a different perspective.

So what do we do when we’re having a bad day and business must go on?

If you ever find yourself feeling angry, whether justified or not, here’s eight tips on what you can do to avoid creating irreparable situations with your clients:

Exercise. Go for a walk, head to the gym, box with a punching bag. Whatever works for you to do some venting.
Meditate. Or just sit quietly and practice deep breathing.
Yoga. Nothing is better at centering our emotions and getting back in touch with our bodies than practicing yoga.
Watch a funny show or listen to a positive podcast. It’s amazing how quickly your anger can turn around when you’re laughing or receiving positive energy from someone else!
Use the anger as motivation. If you can control the scenario that’s causing your anger, then you can do something about it!
Focus on something more positive. A great thing to do here is think of something you are grateful for and focus on why you’re so grateful about it. Putting yourself in a state of gratefulness will trigger those happy endorphins and will get you out of that pissy mood fast.
Get productive. Feeling on purpose can be quite energizing. If you have something that’s calling your name, get busy and shift your attention to that.
Write in a journal. A great way to release that negative vibe from your body is to write it out. Keep writing until you’ve vented everything that comes to mind. Even if it’s not the same thing that got you angry in the first place – just let it all out!

I’m curious if you have ever experienced someone either getting angry with you in a business relationship or did you lose your cool and get angry with a client or service provider? How did it turn out? What lesson did you learn? And do you have any other tips on how to let go of anger to share?

To your business success,

Susan

RECOMMENDED RESOURCES:

READ: Learn effective communication principles from an expert. This book from communications specialist Yvonne Douma is a must-read. It will be available on June 8th but you can get yourself on her notification list and grab some great bonuses if you purchase on launch day: REFRAME: How to Change Your Conversations to Resolve Those Messy Conflicts.
WATCH: Have you ever been frustrated by the lack of customer service from another company and vowed to never do business with them again? And most certainly never told anyone else about them? This is why customer service is so vital to business success as I explain in this eTip episode on why it’s the primary reason we have such a high referral rate: How Great Customer Service Gets You Business Referrals (on our website)
READ: I guess all of us have been on the receiving end of a situation where we are not satisfied with customer service. But how do you respond? Read this great piece from Kindi Gill who shares excellent insights on managing difficult client situations: Five Tips for Managing Customer Complaints (on our website)

Susan Friesen, founder of the award-winning web development and digital marketing firm eVision Media, is a Web Specialist, Business & Marketing Consultant, and Social Media Advisor. She works with entrepreneurs who struggle with having the lack of knowledge, skill and support needed to create their online business presence.

As a result of working with Susan and her team, clients feel confident and relieved knowing their online marketing is in trustworthy and caring hands so they can focus on building their business with peace of mind at having a perfect support system in place to guide them every step of the way.

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Custom CMS Development Services With Amazing Features

An impressive, informative, user-friendly and search-Engine friendly website is the key to success in today’s competitive world. You need to focus on each and every part of website design or web development – mainly the right one that you can manage easily without any assistance from professionals. If you are looking for such development platforms, where you can upload image or content without any command over specific language or technology, custom CMS development is the right platform for you – designed and developed on WordPress to provide you seamless web design experience.

Because of having endless possibilities for integrating Plugins, add-ons and custom features for your website or apps, WordPress is counted as the right custom CMS development platform. However, Drupal, Joomla and Sitecore are other options to choose – mainly to get optimized workflow.

WordPress CMS Development Services by Experienced Professionals

WP CMS development services are offered by experts from a recognized web application and software development company. It is based on innovations, adding new frameworks, Plugins and customizing themes to transform your web presence. Professionals use this platform to make necessary changes, adding real time information pop-ups, Live Twitter Feed and updating module. They deliver high-performance web solutions that you need for a better standing. They help you with a seamless CMS installation and configuration; while you will get a gamut of solutions – from installation to configuration like:

WordPress Design & Development
WordPress Websites & Blog Setup
Free & Paid WordPress Theme Configurations
Web Forms, Email Notification and different automation

You will get complete solutions from WordPress theme development to WordPress Plugin Development and WordPress Migration and Maintenance Services. They also provide you with API Integration and module management.

Custom CMS Development Services with Customizable Features and Modules

Because of endless possibilities of integrating Plugins, add-ons and custom features for your website applications, custom CMS development services have become the most vital need amid developers and programmers to develop websites with amazing customizable features. Professionals, who are offering you such services, help you integrate your CMS by following a few simple steps. Professional developers, who are offering you custom CMS development services, implement customizable features, modules, plugins and extensions within existing CMS platform like WordPress, Drupal, Joomla and Sitecore to optimize workflow.

Racketail Offers Custom CMS Development Services

If you are looking for custom CMS development services, you will get precise solutions from Racketail – offering cutting-edge enterprise CMS development and Open-Source solutions – developed from scratch and implemented within your existing workflows through custom feature integrations. Racketail’s custom CMS solutions are SEO-friendly and success-driven that is designed to incorporate with existing content management system – mainly to enhance and lift up your website, application, social media network and e-commerce store or blog.

From experts at Racketail, you will get flexible and customizable CMS solution with integrated features, modules, themes, plugins and extensions. Their service process will help you to enhance existing solutions and to create a brand new custom-tailored system – enabling effective content and workflow management. Racketail offers you enterprise CMS solutions and Secure CMS solutions too.

Experienced professionals at this leading web and app Development Company can develop new Open-Source CMS solutions like WordPress, Drupal or Joomla; while integrating customizable features and modifications within your existing platform – mainly to provide you with added functionality, interoperability and workflow efficiency.

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What a Rank Tracker Can Do for You

If you can find a tracker that can be customized, the better. You may need to track your position ranking globally or even locally so as to make some decisions. You can also monitor universal listings and map listings, and even the rank of your competitors very easily. You would be better placed when you choose a tracker that gives you unlimited access.

Geo-specific kind of rankings

There are trackers that can give you Geo-specific rankings even if not in the area you reside in. A tool, which is able to track the positions accurately regardless of what you choose, is, ideal, as it will give you so much more than bargained for.

The keyword tools

The best trackers make it possible to have all research tools in the same place. When the sources are used together, they can come up with the wide range of keywords that you may not have been able to find anywhere else. When new keyword ideas come up, they are automatically grouped according to the topics. You can analyze and to target whole keyword groups without the need to go through all the terms.

Reinvention of keyword analysis

Apart from finding many keywords that you can use, you will be able to pick the very best ones and give them the priority they need for the targeted audience. A rank tracker can also calculate the difficulty of a keyword. All SEO strengths are assessed and compared to your competitors. This helps you pick keywords that stand out and definitely attract traffic.

Custom reports

The best trackers have customizable reports and they are designed to support different devices. Sharing such reports should be easy and they should be easy to upload. You can even automate some trackers where you set up some tasks for a scheduled time and the tracker will come up with reports and have them delivered to the clients as an attachment or a direct link.

Why you should use trackers

Keyword trackers are important in today’s marketing which is mainly done online. A good tracker is able to give the most accurate ranking information as well as intelligence. This means that you will receive some very clean reports that are very easy to customize including the data which is relevant to every client.

You should choose a fast rank tracker. It is always so frustrating to have to wait for a long time for the tracker to load and give results from different search engines.

What to do after you get the ranking results

After you have done the keyword research successfully and you have a list of the best keywords in hand, you should start tracking the site’s rankings. Even though it seems easy, some preparations need to be done so as to ensure that you do not track the correct things and in the correct manner.

You need to select the target search engines, specify the location, choose landing pages, set up the tracking for universal results, add competitors, and the preferences. When this is done, rank tracking becomes very easy.

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Detailed Insight of Online Trading

Introduction:

Online trading has become very popular nowadays. Millions of people worldwide are engaged in this form of trading. It usually meant trading off stocks. It has become as common as doing shopping. There are three things that one needs to start doing this trading:

A device (mobile or computer)
A stable internet connection
A banking application
Enough funds and balance in a bank’s account

If someone has sound knowledge about the stock market and related formation, they can make amazing profits from it.

The functions of a broker:

An important part of online trading is a broker. He is someone who buys and sells things (assets) on behalf of others. Due to the advancement of technology, online brokerage has come into the picture. Online brokers are similar to normal brokers. They too buy and sell assets and do transactions between a buyer and a seller, but just on the internet.

A broker is an intermediary between the two individuals (buyers and sellers). A brokerage can be broadly classified into three types: Online brokerage, discount brokerage, and full-service brokerage. A discount brokerage usually helps to buy and sell assets but at a reduced commissioned rate. The third type is the full-service brokerage provides detailed information and assistance regarding online trading and the stock market, and everything else related to it. A broker has various functions to perform. Following is the list of functions of a broker explained in detail.

The primary function of a broker is to do something for an individual on his or her behalf on the financial side. It mostly includes buying and selling assets and looking after other transactions. There are other functions too, like providing information regarding trading.

Advantages of an online trading platform:

There are various advantages of this trading. It is usually simple and does not cost a lot of money. One has complete control over what they want to do on the platform. It is quick and convenient. Chances of errors are pretty less when it comes to online trading and using online trade apps. The user has the option to keep a check on the investment at all times. One of the most significant advantages of trading on online platforms is that users can get notifications regarding prices and other information via emails or messages. There are lots of trustworthy online trading platforms. Some of the popular ones are eToro, Upstox Pro, Zerodha KITE, Fidelity, and many more.

Some safety measures while doing trading:

One must not make a transaction using a public device or sitting in a cybercafé. One should log out every time after the job is done. Personal computers and mobile phones need to be secured from viruses by anti-virus software. Online trading can be very convenient, quick, and lucrative only if done properly, keeping in mind all the safety measures and being very careful during the transactions. Otherwise, one might end up losing a lot of money or funds in it.

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