5 Times You Want To Assess Your Life Insurance

There are times in your life that you need to review your life insurance to make sure you are adequately covered and you have the right policies for your circumstances.

Failing to reevaluate your needs can mean that you will earn money under insurance – something that many American families face, with an average insurance gap of almost $ 320,000.

This is the main event that should trigger reevaluation:

1. Marriage and Divorce
If your spouse will rely on your income for their current standard of living, you may need to increase insurance coverage to meet their expenses and pay off all major debts like your mortgage.

You and your spouse need to take the time to evaluate your life insurance expectations based on your current finances. If one of you already has children, you may need to discuss whether you should be added as a beneficiary of their life insurance policy.

While many people get married in their 20s, the average age for the second marriage is 32.6 for women and 35.2 for men. Life insurance will be different for people in the second marriage, especially if there are children steps to consider. Former spouses should normally be issued as beneficiaries, and you also need to consider child payments and any benefit payments.

If you are divorced, you may want to review your beneficiaries and ensure that any child you have with you will still have adequate support.

2. Expect or Adopt Children
Adding a child to a family is usually one of the biggest triggers for uninsured people to buy life insurance. If you already have a policy, you should update your insurance.

Typically, you need to add to your cover, protecting your children’s financial future. This will ensure that their living and educational costs can be covered if you continue while they are still dependent on you.

3. New House or Job
When you change jobs, you may find that your new employer may offer more or less insurance from your last employer. This means you need to buy additional coverage or reduce your life insurance right now.

If your new job includes a raise, you may also want to increase your life insurance coverage. And if you buy a new home, you usually want to reevaluate your life insurance to cover the mortgage.

This will prevent your spouse or child from selling the house if they no longer have your income.

4. Pension
If your boss gives you life insurance, you’ll need to update coverage when you’re ready to retire. If you already have all life insurance, this can often help you cover pension costs.

If you are worried about the possibility of getting the insured, you can also see life insurance without medical examination. This policy will often be more expensive, because insurance companies are more risky.

5. Every year
Reviewing your life insurance does not take long. Mark one day on your calendar once a year to see your situation and make the necessary adjustments.

You may find that events you have not considered (such as adult children becoming independent or going to college) can mean that you no longer need that much insurance.

Accounting Firm Enjoys Being Ranked Among The Top 100

Accounting Firm Enjoys Being Ranked Among The Top 100

Dublin accounting services
The Dublin branch of a topnotch accounting subsidiary of the highly renowned Ohio accounting firm, Rea & Associates, Inc. enjoys the firm’s inclusion in the Accounting Today 2017 Top 100 Firms list and in the INSIDE Public Accounting (IPA) 2017 Top 100 CPA Firms list. The firm is based in New Philadelphia where it offers a full range of financial consultation and accounting services to individuals and businesses.

 

Joining the company in 1992 after a successful merger between Rea & Associates, Inc and a smaller 2-partner accounting company, the Dublin office of the CPA firm has enjoyed marvelous success since its inception. Today, the company primarily serves Franklin, Union, Delaware, Licking, Fairfield, Pickaway and Madison counties.

In March of this year, the nationally recognized accounting industry publication Accounting Today ranked Rea 98th in its 2017 Top 100 Firms list. The annual publication also observed that the Ohio CPA firm is “the 16th largest firm in the Great Lakes Region, which includes Illinois, Indiana, Michigan and Ohio.” Early last month, Rea was ranked 97 on The Platt Group’s INSIDE Public Accounting (IPA) 2017 Top 100 CPA Firms list. The company was also featured on the IPA 100 Fastest-Growing Firms list, “which identifies the 10 fastest-growing firms based on reported organic growth in net revenue, without the influence of mergers.”

Since Rea established its Dublin office more than 15 years ago, the team has worked fervently to ensure customer satisfaction by providing high quality service and customer care. In 2000, Rea & Associates created and adopted a set of business values called “The Rea Way” which serves to uphold the original vision of the firm’s founder, Richard Rea. Because of their emphasis on ethical business practices and exemplary service delivery, the comprehensive ideals outlined in The Rea Way have earned the corporation a solid reputation in the accounting industry. Anyone wishing to read reviews can do so at

Getting Started As a Virtual Assistant

So, you think being a virtual assistant could be the perfect job for you? If that’s the case, then you should know that there’s no better time to get started with this exciting career path.

The first thing to understand, however, is that no two virtual assistant jobs will be exactly the same; virtual assistants work in a wide range of different capacities. Thus, before you can start applying for jobs and getting your name out there, you have to have a fairly good idea of the line of work you would like to be involved in. You can find out about the different possibilities by browsing through job listings-you might find some positions you didn’t even know existed! You can also sit down and think about what your unique talents are and where your professional interests lie. Knowing your skills is a good way to determine which talents and abilities you can factor over into your professional life and/or to decide which type of virtual assisting is best suited for you.

When you have a better idea of what kind of virtual assistant you would like to be, the next important thing to do is to determine how much you should be getting paid! So many virtual assistants undercharge for the work they do and accept salaries that are less than fair. While this might not be the worst thing when you’re just starting out and need experience from anywhere, you certainly won’t want to make a habit of it in your career. That’s why it’s best, whenever possible, to accept a fair paying position from the start. Knowing what constitutes fair pay takes some research on your part! Learn about the general salaries of virtual assistants in your field (for pricing research – view our newsletter archives on pricing – you can also visit http://www.brennerbooks.com to order pricing comparisons for your industry), how your particular industry is faring in this economy, and what most others with your skill and experience levels are making in the virtual assisting field. Remember, real world (brick and mortar) assisting, office positions, and any other relevant experience do count!

Before you can get hired, you’ll also want to make sure that you have all of the equipment you’ll need to do your job. Invest in a good laptop-something that’s easily portable, modern, and preferably has a long battery life for getting those major projects done on the run! If you are not wanting a portable computer, a good desktop model is sufficient. You must have a reliable way to access the internet, all the basic office and word processing software programs, and all necessary equipment that is specific to the type of virtual assisting in which you plan to work.

Many virtual assistant employers choose to pay via Paypal, so you’ll want to set up an account, which is free, and link it to your credit card and/or bank account. Depending upon how much you plan to earn, how you plan to file your taxes, and whether you actually want to brand yourself as a “business,” you may need or want to set up a business checking account, instead of just a traditional one.

Once you’ve taken all of these steps, then it’s time to get out there and find your dream job. Thanks to the internet, there are many sites listing local, national, and even international positions that are currently available. Apply for any position that matches your skill set and salary demands and that you think you would enjoy doing. As long as you’re consistent and keep trying, you should get hired in no time!

Best Way To Use Equipment Financing For Your Startup

Startups need the right resources to develop from day one. That means having the latest equipment available for your industry.

But what if you lack the capital to finance the equipment you need for success early on?

Luckily, startup founders like you can take full advantage of equipment financing to start your company strongly, regardless of any industry.

What’s your industry?
According to the latest data from the Leasing Equipment and Finance Association, professionals finance the financing tools for the following industries:

The transportation industry receives most of the equipment financing, almost 30% of all equipment financing businesses.
IT and related computer businesses represent 21.3% of all equipment financing.
Construction comes 11.5%
Agricultural business receives slightly more than 9% of all financing.
The medical industry reached 4.7%
The industrial and manufacturing sectors received 3.7%
Energy-related companies represent 2.5% of the equipment financing portion.
Now, for the next question we consider. What is the best way to use your equipment’s financial loan?

How to Use your Equipment Funding
Also included in the same ELFA report are figures for office machines (4.2%) and material handling (2.8%).

Whether your startup is focused on technology or agriculture, office machines are essential for your startup.

For example, you can use a financial loan equipment to purchase the following requirements for your business:

Printer
Scanner
Fotocopy machine
Communication devices such as fax and telephone
Desktop and laptop computers
Paper cutting machine
Server
Router and Internet modem
Lamination machine
However, it is important to note that computers eventually become obsolete over time. Therefore, you may find yourself already in need of an upgrade as soon as you pay off your equipment loan.

That’s why we recommend to consider the financing of office equipment with a longer life cycle.

On the other hand, material handling equipment does not have a short life cycle like a Macbook Pro or Dell laptop.

Material handling equipment is used in all industries, especially in the transportation, construction, agriculture and manufacturing sectors.

This type of equipment usually includes:

Conveyor belt
Silos for farming
Automated Guided Vehicles
Delivery pallet truck
General industrial trucks
Automatic picker
Side loader
Cranes
Other material handling equipment includes storage-related products such as stacking equipment, shelves, drive-in storage racks, and frames.

Material handling equipment is also important for start-up restaurants and other culinary related businesses.

If you are launching a new food startup, you may want to consider using your equipment financing loan to buy refrigerators, commercial freezers, commercial toasters, and ovens for example.

Equipment Financing: Next Steps
What’s great about being a new startup is you can immediately receive your equipment financing to get the ball rolling. In fact, you can even get approval by the end of one business day.

We recommend creating a list of the long laundry equipment you need to start your startup off the ground. It’s also important to get your finances to ensure you do not fall into “negative equity” during the first few years of your business as you repay your loan.

As a new business owner, you can take advantage of low equipment financing rates and pay off your loan over the span of 5 years as you work to generate that initial sale.

What You Can Learn From Adult Ads Marketing

 

The adult entertainment is worth around $ 15 billion The exact number is unknown due to the fact that much of the industry remains under the covers.

It did not get that way by sitting around allowing customers to find it. It worked its assets off. It stayed ahead of the industry, technology, market trends and consumer preferences. It was willing to go where others would not go.

What can you learn from adult ads? Let’s take a closer look.

1. Interact in Real Time
Many businesses treat social media ads and posts as a 1-way form of communication. But that’s like taking the “social” out of social media.

Social media is a 2-way and sometimes a 3-way, 4-way or whichever way communication.

In order to participate, you need to be present. Interact with customers in real time.

In the adult industry, this often includes:

Live video feeds that allow real time messaging
Scheduling 1-1 phone calls with fans
Making ads interactive
Appearing at strip clubs
Sending adult ads based upon behavior not just demographics (remarketing)
Offering live behind the scenes footage with fans commenting and interacting
User-generated content.
2. Get an Intimate Understanding of Your Demographic
We know that we’re supposed to know our target audience and create content around them.

But adult ads show that they know their audience intimately. They think outside the box and really work to connect with people in a meaningful way – no holds barred and everything out on display.

As businesses, we’re often scared to scratch the surface. We do not want to alienate some to connect with others.

But if you do not really understand what your target is and what is the motion of the goggles.

3. Do not Be a One Trick Pony
Ah, the adult industry! They’re always diversifying and exploring new ways to make money.

Are your marketing strategies hyper focused on one product or element of your business? Maybe it’s time to branch out. Take a page from the book of adult ads.

An actress may start may start out a certain type of video. She continues to expand her repertoire. As she continues to brand a product, escorts, appearances, private Skype sessions, exclusive parties, etc.

She leverages her brand awareness to continue the expansion, strengthening her brand through consistency and knowing what her fans want.

4. Embrace Innovation
The adult industry remains on the cutting edge of technology.

When electronic payments first emerged, they were on it. When big data took over marketing, they were ready to go.

If we take a long trip back to the dawn of Internet marketing, they are the first to use pop up ads.

Geo-location software? There’s so there.

And the list goes on. Through it, they’ve flourished online and beyond.

Do not let your marketing campaign get stuck in a rut. Stay current on what’s new and adapt.

Adult Ads Now and into the Future
What will they think of next? How will they continue to keep people coming back for more? We shall see. And you may want to steal a page from their playbook for your own marketing efforts.

Wedding Marketing Content and Top Wedding Website

Wedding Marketing Content and Top Wedding Website

The wedding bell rang.

You should get your content marketing if your wedding website utilizes the bride and groom.

Embracing content marketing will help you reduce noise and connect with your audience.

Ready to rank among top wedding websites? Follow these four tips.

Must Have Suggestions To Rank Among Top Wedding Websites
# 1: Get Your Keywords and SEOs Sequentially

Every business today needs to embrace SEO – the wedding industry is no different.

Start by assessing the most relevant keywords in your field and geographic region. Test these keywords, and learn the best algorithms for success.

Improve the visual quality of your content to make your site more search engine optimized.

For example, making infographics lets you share the five most important points for every wedding. You can enter date, gift registry, and schedule. This information is important for all weddings and guest lists, so it’s easy to share.

Shareable information works well for your SEO.

Working with pro marketing for this issue makes it easier to become one of the top wedding websites.

# 2: Make Your Content Valuable

Creating valuable content should be at the top of your list when you want to improve your website.

Start a blog that discusses wedding information that anyone can learn. Always create content that people want to share, so you can improve your visibility and profile.

The more you offer value to your base, the easier it will be to increase your ROI and revenue.

# 3: Embrace E-Mail Marketing

Developing and using e-mail lists is an increasingly important part of the marketing puzzle.

Think about it. The person planning the wedding starts making reservations and strategies for at least a year. This means that their information search begins well before planning for smaller wedding details.

You can stay on the radar of people by sending valuable content to your e-mail list. This can be a way to direct people to your website to get promotions, discounts. and anything else you’ve done.

For example, people are more likely to take advantage of Unity Sand promotions if they sign up for e-mail lists when making a previous purchase.

The ability to drive and control your site traffic allows you to optimize your website.

You can add more people to your e-mail list by offering free stuff and valuable information that makes them want to sign up.

# 4: Develop a Strong Social Media Presence

If you really want to own one of the top wedding websites, the social media buzz is an absolute necessity.

Web users do not currently spend much time on static websites. People take media on multiple social platforms.

You must embrace every social media platform so that you stay in touch with your audience. Always find new and creative ways to connect back to your site and vice versa.

Working with the Best Professionals

Now that you know the four tips that will catapult you among the top wedding websites, it’s up to you to take action.

Starting Your Own Online Business? Do not Make This Mistake

When starting your online business many people might think that it takes hundreds or even thousands of dollars to get a website up and running. While you can actually pretty much put that much into it, do not! Unless you got the kinda of money that you can throw away and not have to worry about who can, especially these days!

There are also people who will jump in at the next day. Or they move from one opportunity to the next and before they know they have spent an enormous amount of money and not one thing or sale to show for it. Do not make this mistake that so many do. I myself spent a lot of money and countless hours when I first started out thinking this was my get rich fast opportunity. The truth is that you really need a few things to start your own business online and it can be done with a very tiny budget.

The only three things that you really need to spend is a domain name, web hosting and a good autoresponder. Yes believe it or not that’s really it. You can have all three of those too for as little as 90 cents a day. Think you can find 90 cents a day? That’s less than a cup of coffee from your favorite coffee shop!

So you can start your own business. And the big business opportunity deals, forget about them. Just remember the old saying “if it sounds to good to be true” well you know the rest of that line right? To start and grow your own business online do not have to be expensive or drain your savings but it is going to take some time and effort and good old fashion work!

For your website, there are a few options to get started (in my opinion) is WordPress. It is an easy to set up blog site that you can get going in no time at all and it’s really the most common these days. I’m sure all of you have now posted a site or commented on a blog site created with WordPress. The best part is WordPress is completely free. If you want to have a standard website there are free tools and templates that you can get for that type of website as well.

Depending on what you want to do online you can find your site online presence. If you need to accept credit card orders you can use Clickbank or many people use Paypal, since Paypal only charges when you make a sale its the perfect setup for some people and its stars accepted.

So once again do not fall into that website when staring your own online business. Whether it is to set it up or buying into these “business opportunities”. Save your money and once you start making money online then you can invest in it a little for advertising or what you may think you need to grow your online business. After all it’s going to take some time to get things set up, earn some credibility and get visitors to your website. So be patient, keep your money in your wallet and do not bury yourself before you even get started.

5 Top Tips to Help You Become an Online Financial Writer

Investment and finance are complex topics. Most schools do not teach about stocks or compound interest. This lack of financial knowledge has affected all generations.

Most people are responsible for their own financial decisions. But many do not know where and how to start.

Did you know that the average worker has saved just $ 5,000 before retirement?

This knowledge gap is a major opportunity for a financial writer. As a writer, you can provide useful financial content.

Keep reading for 5 useful tips to become a successful financial writer.

1. Writing Relatable Content
Finance and investment are not the most interesting topics to read. As a financial writer, you must find a way to animate this topic.

When writing, make sure your content is reliable. Use real-life stories of real people. This allows readers to understand and connect with information.

To make your content more personal, consider:

Uncover the money challenges you’ve overcome
Talk about your own experience with pension investments
An interview with a source who is willing to share his personal experience.
The key is to not only have the words on the screen. The words you provide need to have an impact.

2. Avoid Financial Jargon
Finance has become a difficult topic. Do not make it any harder by using financial jargon in your content.

This not only makes the content boring, but it makes it more difficult to digest.

Keep it simple! Write your content in the simplest English.

3. Provide Resources
Writing about pension investments or creating a budget is one thing. Increase the usefulness of your content by providing resources to your readers.

Creating a blog about Triple Net? Make sure your content has links to the Triple Net Gateway. This site provides more in-depth information for readers to advance their knowledge.

Want to educate readers about home equity? Include resources that discuss about home equity and home equity loans.

4. Be Knowledge
To become a financial writer, you want to understand a variety of financial topics. But you do not need to be a certified financial planner.

Do not be intimidated by the idea that you are not a financial expert.

As a writer, you can approach a difficult topic from a layman’s perspective. This is a great asset for companies looking for easy-to-understand content.

5. Build your Portfolio
Once you get the experience, now is the time to build your portfolio. This will set you apart from other financial writers.

Your portfolio should include your best work.

Is your content referenced by a reputable financial institution? Has your work been used in other financial content?

The more impressive your portfolio is, the more likely you can tear up the position of high visibility writing.

A Successful Financial Writer Needs Quality Content
As a financial writer, you should drive traffic to the content you create. As a finance teacher, chances are you do not know much about marketing. This is where we can help!

Our experts at ArticleCity know how to drive more traffic to your content. We understand the topics you need to cover to get the results you want.

With our expertise, your content will get the readers it needs.

5 Real Estate Advertising Tools That Can Help You Sell Your Home

5 Real Estate Advertising Tools That Can Help You Sell Your Home

If you think new technology is not quite up to the real estate industry, think again. From drone to social media, there are many fresh and modern ways to help sell your home quickly.

Our latest technological advances have given us the tools to advertise directly to our consumers. So, whether you are a home owner or an agent, you have what you need at your fingertips.

Here are five real estate advertising tools that can help you sell your home faster than you could get a few years ago.

1. Professional photos
Buyers are using laptops and mobile devices to view available homes more than ever. Want to take them past the screen and through your door?

Make sure your listing includes high-quality professional photos from almost every room. That means the iPhone snapshot will not cut it.

Studies show that the list with professional photos sells faster and more money than the listing without.

But if you are dealing with a highly competitive market, consider going beyond professional photography. Read on for more ways to keep your listings separate from the crowd.

2. Drone Photography
Since nine out of ten home buyers are using the internet as a primary research tool, eye-catching content is essential.

High-quality professional photographs are important but increasingly common. Drone photography is a new way to make your list stand out.

Real estate property marketing is not easy. Drone photography can provide your listing with beautiful, dramatic, sweeping shots of your property.

This can also be the best way to display the landscape and the surrounding layout. Both are effective selling points and deserve to be part of your advertising strategy.

3. 3D Immersive Video Tour
Are you a tech nerd? Well, be prepared for this. If professional photos and drones are not enough for you, consider an immersive 3D video tour at your home.

Bigger Equity Site says that we are currently in the seller’s market. But that does not mean you can not be creative with your real estate advertising strategy.

Virtual tour has provided the kind of exposure we used to dream about. With an immersive 3D video tour, anyone in the world can visit your property for as long as they want. From wherever they want.

Investors in China have the opportunity to “get around” your house without flying back and forth. Military wives who travel across the country have a better chance of choosing the right home for their family, with no discomfort.

Good images and videos are very important, but buyers need to find your listing first. Here’s where to view your property.

4. Social Media
Ever thought to post your listing on Facebook, Twitter, or even Pinterest? This site is a great place to share your amazing photos and videos.

Many agents encourage their sellers to share their lists with their friends. And to get friends and family to share your listing with their network.

Social media is not just a place to waste hours in hours. This is a great sales tool you should take advantage of.

5. Do not Forget the Basics of Real Estate Advertising
You can not go wrong with this real estate advertising tool because they have stood the test of time.

Make sure your home is listed on the Multiple Listing Service (MLS) site. Complete with full description and professional photos. This is the first place many buyers and agents will look for available homes.

Which Home Improvements Add the Most Value?

 

Looking to improve your home? Fantastic. Why not make a more comfortable space and capitalize on your investment at once? This list has you covered.
So many things could be done to improve your home. Many times it’s hard to decide what to do and how to do it.

You might even be at your wit’s end trying to figure out how you can add value to your home. That’s ok. You’ve come to the right place.

We’re sharing just the home improvements you need.

Beyond the Cosmetics
Let me guess – you live in a home built prior to 1980?

Ok, well I had an 85% chance of getting that right. And really, that one statistic alone is quite telling. It means that most homes may be something that needs improvement beyond typical cosmetics.

Many homeowners, after they’ve gone through inspections, do not think about the structural or internal issues their house might have. They tend to wait until they see the roof leaking or feel a cold draft through the floorboards until they do something about it.

But I’m telling you that the ROI on fixing these features is pretty high. Plus, you will save yourself a lot of money and headaches when you go to sell your house.

Insulate The Attic
One of the few ways you will get one hundred percent ROI on your remodel and increase the worth of your home is insulation.

Why is this? It does not matter if you live in a cold or hot climate, insulation is key to keeping your house at the right temperature.

Depending on the type of attic you have, you will want a different kind of insulation. When I was younger, we lived in a remodeled barn. The attic was a massive cavern space that needed more insulation than your typical roof.

We used loose-fill insulation and blasted it across the top of the ceiling.

But most homes will do fine with fiberglass batting. And, this will probably be your best investment for time and money.

Hire Kitchen Renovation Contractors
This is where you will get 80% return for investment in your house. The kitchen.

I know that I’ve realized that a lot of kitchens built before the 1980s are just too small for me.

I like to have my space to cook. And so will home buyers. Not only will renovating your kitchen add value to your home, it will make the house more marketable.

You want to remain neutral with this remodel. If you go too trendy, the style might be out by the time you sell your home.

I know what you’re thinking: “I do not want to be too boring.”

But think about shag carpet. Pink shag carpet. Would you want pink shag carpet in your house now? But your grandmother might have thought it was trendy back in the seventies. Just trust me. You do not want to have the “pink shag carpet” kitchen in a few years.

Conclusion: More Than Meets The Eye
You do not always have to go for the obvious renovation to be better value to your home. If you have the money, a great renovation to bring value and extra square footage to your home is an attic bedroom.

It’s time to get started. Bring up the value of your home today.